{"id":10196,"date":"2025-09-29T18:24:26","date_gmt":"2025-09-29T13:24:26","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekiston-banklaridagi-muammoli-kreditlar-700-mlrd-somga-kamaydi\/"},"modified":"2025-09-30T11:56:23","modified_gmt":"2025-09-30T06:56:23","slug":"ozbekiston-banklaridagi-muammoli-kreditlar-700-mlrd-somga-kamaydi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekiston-banklaridagi-muammoli-kreditlar-700-mlrd-somga-kamaydi\/","title":{"rendered":"O\u2018zbekiston banklaridagi muammoli kreditlar 700 mlrd so\u2018mga kamaydi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>NPL (non-performing loans) ulushining kamayishi \u2014 bank sektorini sog\u2018lomlashtirish va aktivlar sifatini yaxshilash indikatori. Bu banklarning kredit reytingi va moliyalashtirish imkoniyatiga ta\u2019sir qilishi mumkin. <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>Markaziy bank ma\u2019lumotlariga ko\u2018ra, muammoli kreditlar hajmi <strong>22,5 trln so\u2018mdan 21,8 trln so\u2018mga<\/strong> kamaygan;<\/li>\n<li>Eng katta pasayish <strong>NBUda<\/strong> kuzatildi \u2014 <strong>3,76 trln so\u2018mdan 3,1 trln so\u2018mgacha<\/strong> (-674 mlrd).<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Boshqa davlat banklarida NPL darajasi yuqoriligicha qolmoqda:<\/span><\/p>\n<ul>\n<li><strong>Agrobank<\/strong> \u2014 2,6 trillion so\u2018m<\/li>\n<li><strong>SQb<\/strong> \u2014 2,4 trillion<\/li>\n<li><strong>Asakabank<\/strong> \u2014 taxminan 1,9 trln<\/li>\n<li><strong>Ipotekabank&#8217;da<\/strong> sezilarli yaxshilanish \u2014 yanvar oyidagi <strong>3,6 trln so\u2018mdan 1-sentyabrga kelib 2,2 trln so\u2018mga <\/strong>yetdi.<\/li>\n<\/ul>\n<p><strong>Nima deyildi<\/strong><\/p>\n<p>Moliyachilarning ta\u2019kidlashicha, NPLning keskin qisqarishi to\u2018lovlar va restrukturizatsiyalar, shuningdek, yirik banklar balansidan umidsiz qarzlarni faol hisobdan chiqarish orqali mumkin.<\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Muammoli kreditlar \u2014 bank tizimining zaif nuqtasi, ayniqsa tajovuzkor kreditlash tarixiga ega davlat banklarida. Markaziy bank aktivlar sifati ustidan nazoratni kuchaytirmoqda va banklardan yomon qarzlarni shaffofroq hisobga olishni talab qilmoqda. Avvalroq Ipotekabank NPLning bir qismini hisobdan chiqarishi va risklarni boshqarish uchun tashqi ekspertiza jalb qilishi haqida xabar bergan edi.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank bank tizimida qaytarilmaydigan kreditlar hajmining sezilarli darajada pasayganini qayd etdi. Avgust oyida bu ko\u2018rsatkich 21,8 trln so\u2018mga tushdi. <\/p>\n","protected":false},"author":4,"featured_media":8756,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/09\/68db7f17361a1.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":8756,"YlB8HH34jIzY":"O\u2018zbekiston banklaridagi muammoli kreditlar 700 mlrd so\u2018mga kamaydi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,1007,628,760,2030,880],"class_list":["post-10196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-kreditlar","tag-mb","tag-finansy-uz","tag-muammoli-kreditlar","tag-npl-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>O\u2018zbekiston banklaridagi muammoli kreditlar 700 mlrd so\u2018mga kamaydi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Markaziy bank bank tizimida qaytarilmaydigan kreditlar hajmining sezilarli darajada pasayganini qayd etdi. 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