Ushbu maqolada bank kapitalining mazmun-mohiyati, uning tarkibiy tuzilishi va boshqaruv tizimining asosiy jihatlari chuqur tahlil qilinadi. Xususan, kapitalning asosiy va qo‘shimcha qismlari, ularning funksional vazifalari hamda zamonaviy bank faoliyatidagi o‘rni yoritib berilgan. Tadqiqot davomida Basel III xalqaro standartlari asosida kapital yetarliligi, xavfga asoslangan yondashuvlar va ichki kapital baholash tizimlari (ICAAP)ning ahamiyati o‘rganilgan. Shuningdek, O‘zbekiston tijorat banklarining kapital strukturasidagi muammolar, ularni optimallashtirish yo‘llari va kapitalni jalb qilishning muqobil manbalari tahlil etilgan. Muallif tomonidan bank kapitali boshqaruvini takomillashtirish bo‘yicha amaliy tavsiyalar ishlab chiqilgan bo‘lib, ushbu maqola milliy bank tizimining barqarorligini oshirish va raqobatbardoshligini ta'minlashda muhim ilmiy-amaliy ahamiyatga ega.

Mamlakatda bank tizimining barqaror rivojlanishi ko‘p jihatdan tijorat banklarining moliyaviy risklarni, ayniqsa valyuta risklarini samarali boshqara olishiga bog‘liqdir. Global iqtisodiy integratsiya jarayonlari, transchegaraviy moliyaviy operatsiyalar va xorijiy investitsiyalarning oshib borayotgani fonida O‘zbekiston bank tizimi uchun valyuta risklari dolzarb masalaga aylangan. Ushbu maqolada tijorat banklarida yuzaga keluvchi valyuta risklarining turlari, ularning vujudga kelish sabablari va moliyaviy barqarorlikka ta’siri keng yoritiladi. Tadqiqot “Kapitalbank” ATB misolida olib borilib, 2020–2024 yillar oralig‘ida xorijiy valyutadagi aktiv va majburiyatlar strukturasidagi o‘zgarishlar asosida valyuta risklarining darajasi tahlil qilinadi. Maqolada bankning ochiq valyuta pozitsiyasi, uning o‘zgarish dinamikasi va bu pozitsiyaning kurs farqidan kelib chiqadigan foyda yoki zarar ko‘rinishidagi moliyaviy oqibatlari baholanadi. Shuningdek, “Kapitalbank” ATB tomonidan qo‘llanilayotgan valyuta riskini kamaytirish usullari – xedjing strategiyalari, risklarni limitlash, portfel diversifikatsiyasi hamda ichki nazorat mexanizmlari ko‘rib chiqiladi. Xalqaro amaliyotdagi ilg‘or tajribalar bilan solishtirma tahlil asosida O‘zbekiston tijorat banklarida valyuta risklarini boshqarish samaradorligini oshirish bo‘yicha tavsiyalar ishlab chiqiladi. Ushbu tadqiqot natijalari tijorat banklarining valyuta riskiga nisbatan barqarorligini oshirish, risklarni oldindan aniqlash va ularning salbiy oqibatlarini minimallashtirishda amaliy ahamiyatga ega.

prepare future teachers to pedagogical activity of the joint – is one of the critical functions of the modern education system. Collective work, cooperative learning, and the application of methods of the formation of teachers ' professional skills to solve problems together kompetensiya service will improve. In this article the concept of the pedagogical activity, collaboration, and the mechanisms of its formation in the process of preparing future teachers to the practice of the methods used will be covered.

In the next five years as the education system in the country, paid particular attention to all areas. New uzbekistan-new outlook in the period of “education law”on the new accepted taxriri t’the education system is updated. Developed in the study of the process of modern education technology education in foreign countries of the country, paid particular attention to the further development of the education system.

the formation of skills to work on the text Readers, is one of the most important directions of the education process. Through effective work with text, readers not only develops reading skills and comprehension, but also in their analysis, meditation, meditate, and also consistent with the skills to express their opinion is formed. The effectiveness of the method on the text to work in educational institutions, teachers and readers of this approach of the learning process technologies serves to effectively solve qo'llanayotgan direction.