Strengthening the Deposit Base in Commercial Banks: Problems and Ways to Overcome Them

This article analyzes the issues of strengthening the deposit base in commercial banks from scientific-theoretical and practical perspectives. The study reveals the role of the deposit base in ensuring the financial stability of banks and identifies key problems such as the predominance of short-term deposits, low savings activity of the population, insufficient trust in the banking system, and the limited range of deposit products. In order to address these challenges, the article develops scientific and practical recommendations aimed at encouraging long-term deposits, diversifying deposit products, developing digital banking services, and improving financial literacy. The research findings have practical significance for improving deposit policyand stabilizing the resource base of commercial banks.

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