Akrom Omonov,
Doctor of Economic Science, professor of the Department
of Banking, Tashkent Financial Institute, Tashkent, Uzbekistan.
Email: akromomonov66@gmail.com
OBRCID: 0000-0001-7302-8627
Abstract. The article studied and analyzed the theoretical and practical aspects of liquidity management in commercial banks of Uzbekistan. In particular, a corresponding conclusion was formed that in the conditions of the geo-economic situation in the economies of many countries of the world and in practice the approach to the economic content of the liquidity of commercial banks and its provision is changing. The low share of total deposits in the resources of commercial banks has a negative impact on their liquidity. In particular, the fact that the share of long-term deposits in the total volume of deposits tends to decrease, as well as a weak volume of savings deposits are considered pressing issues of liquidity management in commercial banks of our country. The importance of deposits in international banking practice is very high, especially the share of time and savings deposits is several times higher than the share of demand deposits. The next problem affecting the liquidity of commercial banks is the low share of investments and the high share of loans in the asset structure. It can be seen that the diversification of assets of commercial banks is also in a negative state, and this process is still relevant in ensuring the liquidity of banks. The results of the analysis show that commercial banks sufficiently fulfill the requirements for the liquidity ratio which established by the Central Bank. The main problem here is that the bulk of the liquid funds of commercial banks are demand deposits, and this situation causes problems in fulfilling the obligations of commercial banks. Current issues in the field of ensuring liquidity of commercial banks of Uzbekistan have been identified and appropriate recommendations have been developed to strengthen them.
Keywords. Commercial banks, bank liquidity, liquid funds, deposits, time deposits, bank income.