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Abstract
This article analyzes modern approaches to improving deposit policy in commercial banks, attracting free funds from the population and business entities into the banking system, and increasing the attractiveness of deposit services. The study examines the importance of deposits in forming the bank's resource base, the development of deposit services based on digital technologies, the optimization of interest rate policy, the expansion of an individual approach to clients, and the introduction of innovative banking products. It also highlights priority areas for ensuring the stability of the deposit portfolio and strengthening trust in banks based on international experience.
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Copyright (c) 2026 Ruzimuratov, O., Keldiyorov, S.K. (Muallif)