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"SCIENCE AND EDUCATION IN THE MODERN WORLD:
CHALLENGES OF THE XXI CENTURY" 
NUR-SULTAN, KAZAKHSTAN, JULY 2019
 
323 
M.M.Rasulova, teacher in Andijan State University 
Abstract: this article is about today‘s changes of banking system in the republic of 
Uzbekistan. Today banks have established a strong relationship with entrepreneurs not only 
as a close partner. Besides a banking system of Uzbekistan could provide a wide range of 
financial services, that would gain gain public confidence. the requirements for the capital 
adequacy of commercial banks have been increased, additional liquidity requirements have 
been introduced, the quality of bank assets and risk management systems have been further 
improved. 
 Key words: banking, system changes, commercial banks, National bank, servives. 
 
During the years of independence, radical changes aimed at the development of the banking 
system in our country have made significant progress. Today, banks have established a strong 
relationship with entrepreneurs not only as a client, but also as a close partner. Banks are 
helping businessmen who want to drive their businesses. In short, a banking system that could 
provide a wide range of financial services, that would gain public confidence was created. 
At present, 854 branches of 26 commercial banks functioning in the country, and 4292 
mini-banks and retail service providers strengthen their positive results. These results are 
reflected in increasingly expanding banking services and products, improving the business 
environment and increasing the amount of loans issued by banks. 
Today customers have an opportunity to manage their account lists directly from real-
time using mobile and electronic communication. Although it has not been so long since these 
services bacame available, they have become very popular. In recent years, the number of 
clients using these services has grown almost 90 percent, or more than 1.3 million today. The 
possibility of using plastic cards is expanding, and the volume of payments made through 
terminals has increased 5 times. With the introduction of new advanced information 
technologies in the banking system, the speed, quality and reliability of services rendered by 
commercial banks are increasing. 
The activities, conducted in the framework of organizing commercial bank activities on 
the basis of international criteria and standards, coordinating book-keeping and financial reports 
of banks to the generally accepted requirements, were the first among CIS countries to make 
conditions in implementation of new recommendations (Basel 3) of the international Basel 
Committee for bank control into the bank system. According to them, the requirements for the 
capital adequacy of commercial banks have been increased, additional liquidity requirements 
have been introduced, the quality of bank assets and risk management systems have been 
further improved. 
The commercial banks' ability to withstand the financial instability and the drastic 
changes in the economy is largely dependent on the size of their capital and the level of 
capitalization. 
The steady increase in banks' capital has created conditions for mitigating the impact of 
global economic crises on the national economy in recent years, and efforts in that direction 
will continue uninterrupted. 
In particular, with the decisions of the President of the country, negotiations with 
international financial institutions for sale to foreign investors of not less than 15% of all 
authorized capital of all commercial banks are conducted. 
It should be noted that these measures started the next stage of privatization of banks. 
This process will lead to a further boom in governance and quality of management in banks, 
increased shareholding and responsibility of the bank, and improve service quality. 
In particular, the National Bank for Foreign Economic Activity of the Republic of 
Uzbekistan continues to fulfill its obligations to its customers and the culture of service is 
gaining public confidence. This is evidenced by the fact that when the bank emphasizes deposit 
operations in the formation and development of its resource base, currently the population's free 
funds can be attracted to deposits and this figure can grow at a rate of 3.2 times over the years. 

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