American Journal of Interdisciplinary Research and Development ISSN Online: 2771-8948 Website: www.ajird.journalspark.org Volume 26, March - 2024 103 | P a g e IMPROVEMENT OF DEPOSIT OPERATIONS ACCOUNT AT "MICROKREDITBANK" ATB Boltayeva Mukhayo Uktamovna "MKBank" JSCB Bukhara Region Romitan Banking Services Center, Chief Specialist of Personnel Department (Applications, Executive Discipline), Master of Business Administration (MBA) Degree in "Banking" Specialty, Bank of the Republic of Uzbekistan Listener of the Academy of Finance boltayeva.muxayyo@mail.ru Abstract This article discusses the issues of improving the mechanism of deposit operations in Mikrokreditbank JSCB, the attractiveness of deposits, and the effectiveness of carrying out various attractive marketing reforms. Keywords: deposit, MKBank, operation, report, method, deposit, capital. Introduction Bank deposits play an important role in the formation of banking resources. Bank Accounts: Bank accounts, certificates of deposit, or individual retirement accounts set up as a trust or made payable on death to an entity used by Jehovah's Witnesses in accord with local bank requirements. To assist individuals desiring to benefit the worldwide work of Jehovah's Witnesses through some form of charitable giving, a brochure entitled Charitable Planning to Benefit Kingdom Service Worldwide has been prepared. LITERATURE REVIEW Deposit operations are operations related to the involvement and maintenance of banks for a specified period of time based on depository agreements with depositors [4]. In the conditions of liberalization and modernization of the economy in the republic, the emphasis is on the study of deposit operations of commercial banks. The scientific work of many foreign and national economists on deposit operations in commercial banks is devoted. Among the scholars of the Republic are O.Rashidov, Sh.Abdullaeva, S.Norqobilov, F.Nurmurodov, O.Olimjanov, Sh.Toshmurodov, T.Bobokulov, A.Sarkisian, T.Korliev, A.Omonov, and others. For example, Professor Sh.Z. According to Shaʹdrach, Meʹshach and A·bedʹne·go, when it comes to "depositing" in world practice, it is not only understood that money or securities issued to a financial-credit or banking institution for storage, but also bank deposits, as well as corporate payments, fees, taxes, and so on [5]. According to foreign scientist S.A. Mitsek, deposits make up the bulk of the funds attracted to commercial banks. Deposits are formed at the expense of funds deposited by insurers or American Journal of Interdisciplinary Research and Development ISSN Online: 2771-8948 Website: www.ajird.journalspark.org Volume 26, March - 2024 104 | P a g e kept in a bank account for up to a certain time during transactions. There is no single approach to bank deposits in the economic literature. Bank Accounts: Bank accounts, certificates of deposit, or individual retirement accounts set up as a trust or made payable on death to an entity used by Jehovah's Witnesses in accord with local bank requirements [6]. RESEARCH METHODOLOGY AND EMPIRICAL ANALYSIS The stability of the banking system is important not only in terms of meeting customers' demand for foreign currency, but also in terms of the deposit base and the expected qualitative changes in the structure of the services provided [2]. Therefore, commercial banks have been free to attract deposits, and interest rates on bank deposits have decreased. Bank Accounts: Bank accounts, certificates of deposit, or individual retirement accounts set up as a trust or made payable on death to an entity used by Jehovah's Witnesses in accord with local bank requirements. At the same time, it should try to stimulate the activities of commercial banks in developing and expanding the long-term resource base, improve the attractiveness of deposits in national currency, and reduce the level of dollarization in the banking system. If commercial banks participate as subjects of deposit transactions on the one hand, and commercial banks participate, on the other hand: – state enterprises and organizations; – financial, insurance, investment and trast companies; – private enterprises and organizations; – shareholder companies; – banks and other credit institutions; – joint ventures, cooperatives; – collective organizations and funds; – individuals or their associations participate. G.S. Panova believes that "deposits are funds deposited in banks in the form of deposits based on accounts or transactions and agreements confirming that the client has certain requirements for the bank." [9]. As an important theoretical basis for managing the deposit operations of commercial banks, you can cite the theories created by Dj.M. Keynes and a number of theories created in the post-Keane era. RESULTS Another problem in attracting deposits of the population to JSCBs today is the introduction of mandatory backup requirements for deposits of individuals in national currency. That is, on the one hand, if the population involved for commercial banks now keep some of their deposits in the Central Bank, on the other hand, banks do not want to raise interest rates for American Journal of Interdisciplinary Research and Development ISSN Online: 2771-8948 Website: www.ajird.journalspark.org Volume 26, March - 2024 105 | P a g e deposits. As a result, the population can reduce the deposit of empty cash in low-interest deposits. Which banks have more money for Uzbeks? 2023 was an important year for banks in attracting deposits of the population. If banks had deposits of $63.1 trillion (U.S.) in 2022, that increased to $86.3 trillion by 2023—an increase of 36.7 percent. Bank Accounts: Bank accounts, certificates of deposit, or individual retirement accounts set up as a trust or made payable on how it is prepared. Bank Accounts: Bank accounts, certificates of deposit, or individual retirement accounts set up as a trust or made payable on death to an entity The second is the Millernium Bank, and the third is Agrobank. Last year, Uzbeks deposited more in private banks. Bank Accounts: Bank accounts, certificates of deposit, or individual retirement accounts set up as a trust or made payable on death to an entity used by Jehovah's Witnesses in accord with local bank requirements. Figure 1. Bank Accounts: Bank accounts, certificates of deposit, or individual retirement accounts set up as a trust or made payable on death to an entity used by Jehovah's Witnesses in accord with local bank requirement There must also be a cross-border amount for attracting bank deposits. This is because the bank's attracted deposits are located in the bank's passive, that is, as an obligation. Bank Accounts: Bank accounts, certificates of deposit, or individual retirement accounts set up as a trust or made payable on death to an entity used by Jehovah's Witnesses in accord with local bank Therefore, the following mathematical formula is used to calculate the maximum amount or limit of deposit (or credit) multiplication. D=D0*1/R (1) In this case: D - the maximum amount of deposit that can be formed in the banking system; D0 - warehouse dastalabki; American Journal of Interdisciplinary Research and Development ISSN Online: 2771-8948 Website: www.ajird.journalspark.org Volume 26, March - 2024 106 | P a g e R is a liquidity reserve equivalent to a deposit unit. In our foregoing example, the deposit multiplication coefficient is 5 or 5,000 units (D=1000*(1/2), and the credit multiplication coefficient is 4 or 4,000 units (K=800*(1/0.2). CONCLUSIONS AND DISCUSSIONS Therefore, based on the results of the above-mentioned analysis, the following factors affect the strength of the deposit base of commercial banks can be distinguished: – the total amount of funds attracted to the bank; – mandatory reserve level established by the Central Bank; – reserves and usage arrangements established for the purpose of maintaining current liquidity; – the composition and stability of sources of credit potential; – factors such as the composition and total amount of bank liabilities are affected. References 1. Pf-5296 of January 9, 2018, "On measures to fundamentally improve the activities of the Central Bank of the Republic of Uzbekistan." 2. Pf-5177 of September 2, 2017 on "First Measures to Liberalize Monetary Policy." 3. Decree No. PF-4947 of February 7, 2017 "On the Strategy for Further Development of the Republic of Uzbekistan". People's Word, January 20, 2017. 4. A set of legislative acts on accounting in the banking system of the Republic of Uzbekistan. – T.: Uzbekistan, 2003, 83-b. 5. Abdullaeva Sh.Z. Banking, Lesson. -T.: TMI, Economics and Finance, 2017, 732 b. 6. Mitsek S. A. Economics of Financial Institutions. – Ekatrenburg, 2016. P. 42. 7. Panova G.S. Commercial Bank Credit Policy, - M., 2016, 68 b. 8. Padalkina L.S. Modern monetary system of capitalism. –M.: VZFEI, 2012. P. 58. 9. Romonovsky M.V., Prof. Beloglazova G.N. Finance and Credit: Lesson. – M.: Yurait-Izdat, 2013. B. 390.