This article analyzes the composition and dynamics of deposits within the deposit policy of commercial banks. The study focuses on two banks in Uzbekistan – Turonbank JSCB and Trustbank JSC – and examines the structure of their deposit portfolios, segmented by customer type and term, during the period from 2020 to 2024. The article provides a comparative analysis of the share of deposits from individuals versus legal entities, the proportion of term versus demand deposits, and the currency composition of funds, offering an assessment of the stability of the resource base. Additionally, the paper explores how interest rate policy, marketing strategies, and the introduction of innovative deposit products influence customer trust and deposit growth. Based on the findings, the article emphasizes that diversifying the deposit structure and increasing long-term deposits should be considered strategic priorities for commercial banks. The outcomes offer practical recommendations for bank management, financial analysts, and stakeholders in the banking sector.