{"id":10017,"date":"2025-09-26T12:19:05","date_gmt":"2025-09-26T07:19:05","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/fitch-zaif-kapitallashuv-tufayli-anor-bank-reyting-prognozini-pasaytirdi\/"},"modified":"2025-09-26T12:19:05","modified_gmt":"2025-09-26T07:19:05","slug":"fitch-zaif-kapitallashuv-tufayli-anor-bank-reyting-prognozini-pasaytirdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-zaif-kapitallashuv-tufayli-anor-bank-reyting-prognozini-pasaytirdi\/","title":{"rendered":"Fitch zaif kapitallashuv tufayli Anor Bank reyting prognozini pasaytirdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Prognozning pasayishi bankning barqarorligi uchun xavflarni aks ettiradi va uning moliyalashtirishni jalb qilish qobiliyatiga ta\u2019sir qilishi mumkin. Bu beqaror kapital bazasi fonida investorlar va omonatchilar uchun ogohlantiruvchi signaldir. <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>Emitentning milliy va xorijiy valyutadagi defolt reytingi (IDR) prognozi \u201cSalbiy\u201d darajaga tushirildi, reytinglarning o\u2018zi B\u2010 darajasida tasdiqlandi.<\/li>\n<li>Yashovchanlik reytingi (VR) \u2014 b- ham tasdiqlandi, bu esa bazaviy kapitallashuvning zaifligini aks ettiradi.<\/li>\n<li>Fitchning asosiy kapital koeffitsiyenti (FCC) 2025-yilning birinchi yarmi oxirida 4,3 foizga tushdi (2023-yilda: 5,1 foiz) \u2014 bu juda past darajadir.<\/li>\n<li>Fitch\u2019ning ta\u2019kidlashicha, bank egasidan kapital kiritmasa, bu ko\u2018rsatkichlarni ham saqlab qololmasligi mumkin.<\/li>\n<li>Agentlik ikki yil oralig\u2018ida FCCning 5-6 foizgacha o\u2018sishini kutmoqda, bunda yillik kapital qo\u2018yilmalar RWAning ~2 foizini tashkil etadi.<\/li>\n<li>Anor passivlarining 90 foizdan ortig\u2018i mijozlarning muddatli depozitlari \u2014 bo\u2018lingan va stavkaga sezgir depozitlar hisobiga shakllanadi.<\/li>\n<li>Likvid aktivlar 2025-yilning I yarim yilligi yakuni bo\u2018yicha jami aktivlarning 18 foizini tashkil etdi \u2014 bu adekvat darajadir.<\/li>\n<\/ul>\n<p><strong>Nima deyildi<\/strong><\/p>\n<blockquote><p>Kapitalning zaifligi va balansning agressiv o\u2018sishi bankning barqarorligini shubha ostiga qo\u2018yadi. Sezilarli infuziyalarsiz yoki o\u2018sish sur\u2019atlarining sekinlashuvisiz reytinglar pasaytirilishi mumkin, \u2014 deya ta\u2019kidlaydi Fitch.<\/p><\/blockquote>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Anor Bank O\u2018zbekistondagi jadal rivojlanayotgan xususiy banklardan biri bo\u2018lib, kredit portfelini faol ravishda kengaytirmoqda. 2023-2025-yillarda bank mahsulot qatorini kengaytirdi, raqamli xizmatlarni ishga tushirdi va chakana depozitlar segmentida faol raqobatlashdi. <\/p>\n<p>2022-yilda Fitch Anor aktivlarining kapital o\u2018sishisiz yuqori o\u2018sishidan xavotir bildirgan edi. 2025-yilda regulyator tez o\u2018sib borayotgan banklarning kapitallashuvi ustidan nazoratni kuchaytirdi, bu esa Anor pozitsiyasini yanada zaiflashtirdi. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fitch Ratings Anor Bank reytinglari bo\u2018yicha prognozni \u201cBarqaror\u201ddan \u201cSalbiy\u201dga o\u2018zgartirib, IDR darajasini B-darajasida tasdiqladi. Sababi \u2014 kreditlashning agressiv o\u2018sishi fonida bazaviy kapitalizatsiyaning barqaror pasayishi. <\/p>\n","protected":false},"author":4,"featured_media":9949,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/09\/68d67727c942b.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":9949,"YlB8HH34jIzY":"Fitch zaif kapitallashuv tufayli Anor Bank reyting prognozini pasaytirdi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[1733,634,816,2946,760],"class_list":["post-10017","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-anor-bank-uz","tag-banklar","tag-fitch-uz","tag-kapitalizatsiya","tag-finansy-uz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fitch zaif kapitallashuv tufayli Anor Bank reyting prognozini pasaytirdi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Fitch Ratings Anor Bank reytinglari bo\u2018yicha prognozni \u201cBarqaror\u201ddan \u201cSalbiy\u201dga o\u2018zgartirib, IDR darajasini B-darajasida tasdiqladi. 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