Issues Of Optimizing The Resource Base In Private Commercial Banks

Abstract

This article examines the theoretical and practical aspects of optimizing the resource base in private commercial banks. The structure and quality of the resource base are of great importance in ensuring the stable operation of banks, maintaining their liquidity level, and expanding their lending capacity. The study analyzes the sources of resource base formation in private commercial banks, the share of deposit funds, bank capital, attracted funds, and their maturity balance. In addition, the article highlights the role of interest rate policy, diversification of deposit products, expansion of the customer base, and the use of digital banking services in optimizing the resource base. As a result of the study, scientific and practical proposals are developed for attracting stable and long-term resources in private commercial banks, ensuring consistency between assets and liabilities, and using resources efficiently.