THE RATIO OF CREDIT INVESTMENTS TO DEPOSITS IN COMMERCIAL BANKS: ANALYSIS AND IMPORTANCE
Keywords:
Credit-to-Deposit Ratio (CDR), liquidity management, financial stability, banking risk, monetary policy, credit allocation, deposit growth, loan portfolio, economic growth, banking regulations, digital banking, Fintech, interest rates.Abstract
This article examines the significance of the credit-to-deposit ratio in commercial banks, highlighting its role in liquidity management, financial stability, and economic growth. It discusses key factors influencing this ratio, such as monetary policy, economic conditions, and technological advancements. Additionally, the article explores global trends, optimal ratio considerations, and strategies to maintain a balanced approach to lending and deposit management. The insights provided serve as a valuable resource for banking professionals, policymakers, and financial analysts seeking to understand and optimize credit allocation practices.
References
Basel Committee on Banking Supervision. (2019). Liquidity Risk Management and Credit Allocation Policies. Bank for International Settlements.
Mishkin, F. S. (2021). The Economics of Money, Banking, and Financial Markets (13th ed.). Pearson.
Central Bank of Uzbekistan. (2022). Annual Banking Sector Report: Credit and Deposit Trends.
World Bank. (2021). Financial Development and Banking Sector Stability: A Global Perspective.
McKinsey & Company. (2022). The Future of Banking: Trends in Credit and Deposit Management.
Reserve Bank of India. (2020). Credit-to-Deposit Ratio: Implications for Liquidity and Economic Growth.
International Monetary Fund (IMF). (2021). Monetary Policy and Banking Liquidity in Emerging Markets.
