{"id":11083,"date":"2025-10-16T11:52:30","date_gmt":"2025-10-16T06:52:30","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/"},"modified":"2025-10-16T11:52:30","modified_gmt":"2025-10-16T06:52:30","slug":"fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/","title":{"rendered":"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Fitch reytingi investorlar va regulyatorlar uchun, ayniqsa, yuqori raqobat va bank sektori ustidan nazorat kuchayib borayotgan sharoitda asosiy yo\u2018nalishdir.<\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>IDR Universal Bank <strong>\u201cB-\u201d<\/strong> darajasida, Viability Rating \u2014 <strong>\u201cb-\u201d<\/strong> darajasida tasdiqlandi.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Fitch ogohlantiradi:<\/span><\/p>\n<ul>\n<li>bank <strong>aktivlar sifatining yomonlashuviga<\/strong> sezgir,<\/li>\n<li><strong>2 yil ichida kechikishlar 4%<\/strong> gacha o\u2018sishi mumkin,<\/li>\n<li><strong>Portfelning 10 foizi \u2014 affillangan shaxslarga kreditlar<\/strong>, bu esa ekspozitsiyani yetarlicha baholamaslik xavfini tug\u2018diradi,<\/li>\n<li><strong>Core Capital<\/strong> <strong>16,8% gacha<\/strong> pasayib, tartibga soluvchi minimumdan yuqori bo\u2018lib qoldi.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Ijobiy tomonlari:<\/span><\/p>\n<ul>\n<li>Mo\u2018tadil kechikish darajasi \u2014 <strong>2% (3-bosqich)<\/strong>, qoplash \u2014 <strong>100%<\/strong>.<\/li>\n<li>ROAE \u2014 yuqori: <strong>27%<\/strong>, <strong>komission daromadlar<\/strong> (57%) ulushi tufayli.<\/li>\n<li>Portfelning mo\u2018tadil dollarlashuvi \u2014<strong> 18% sektor bo\u2018yicha 42% ga<\/strong> nisbatan.<\/li>\n<li>Likvidlik yuqori \u2014 likvid vositalardagi aktivlarning <strong>30%<\/strong>, depozitlarning <strong>50%<\/strong> ini qoplaydi.<\/li>\n<\/ul>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Universal Bank \u2014 <strong>kichik o\u2018yinchi<\/strong>, bozor ulushi 1% dan kam. <strong>Kichik va o\u2018rta biznes va chakana savdoga e\u2019tibor<\/strong> qaratilmoqda, shu bilan birga <strong>xavflarning yuqori konsentratsiyasi <\/strong>saqlanib qolmoqda. <\/p>\n<p>Reytingni yaxshilash imkoniyati mavjud, ammo <strong>shaffoflikni oshirish<\/strong> va <strong>affillangan kreditlar<\/strong> ulushini kamaytirish bilan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fitch Ratings agentligi Universal Bank reytingini \u201cB-\u201d darajasida barqaror prognoz bilan tasdiqlab, kredit portfeli va mulkchilik tuzilmasi bilan bog\u2018liq xatarlar saqlanib qolayotganini ma\u2019lum qildi.<\/p>\n","protected":false},"author":4,"featured_media":11075,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68f09951e3d8d.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11075,"YlB8HH34jIzY":"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,816,760,862,3252],"class_list":["post-11083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-fitch-uz","tag-finansy-uz","tag-reyting","tag-universal-bank-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: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Fitch Ratings agentligi Universal Bank reytingini \u201cB-\u201d darajasida barqaror prognoz bilan tasdiqlab, kredit portfeli va mulkchilik tuzilmasi bilan bog\u2018liq xatarlar saqlanib qolayotganini ma\u2019lum qildi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda\" \/>\n<meta property=\"og:description\" content=\"Fitch Ratings agentligi Universal Bank reytingini \u201cB-\u201d darajasida barqaror prognoz bilan tasdiqlab, kredit portfeli va mulkchilik tuzilmasi bilan bog\u2018liq xatarlar saqlanib qolayotganini ma\u2019lum qildi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/\" \/>\n<meta property=\"og:site_name\" content=\"Frank.uz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FrankUzbekistan\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-16T06:52:30+00:00\" \/>\n<meta name=\"author\" content=\"Azamat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:site\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Azamat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/\",\"url\":\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/\",\"name\":\"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda &#8212; Frank.uz\",\"isPartOf\":{\"@id\":\"https:\/\/frank.uz\/uz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/juxyvo16055246280237_l.jpg\",\"datePublished\":\"2025-10-16T06:52:30+00:00\",\"author\":{\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\"},\"description\":\"Fitch Ratings agentligi Universal Bank reytingini \u201cB-\u201d darajasida barqaror prognoz bilan tasdiqlab, kredit portfeli va mulkchilik tuzilmasi bilan bog\u2018liq xatarlar saqlanib qolayotganini ma\u2019lum qildi.\",\"breadcrumb\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#breadcrumb\"},\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#primaryimage\",\"url\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/juxyvo16055246280237_l.jpg\",\"contentUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/juxyvo16055246280237_l.jpg\",\"width\":1200,\"height\":800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/frank.uz\/uz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/frank.uz\/uz\/#website\",\"url\":\"https:\/\/frank.uz\/uz\/\",\"name\":\"Frank.uz\",\"description\":\"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.\",\"alternateName\":\"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/frank.uz\/uz\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"uz-UZ\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\",\"name\":\"Azamat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"caption\":\"Azamat\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda &#8212; Frank.uz","description":"Fitch Ratings agentligi Universal Bank reytingini \u201cB-\u201d darajasida barqaror prognoz bilan tasdiqlab, kredit portfeli va mulkchilik tuzilmasi bilan bog\u2018liq xatarlar saqlanib qolayotganini ma\u2019lum qildi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/","og_locale":"uz_UZ","og_type":"article","og_title":"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda","og_description":"Fitch Ratings agentligi Universal Bank reytingini \u201cB-\u201d darajasida barqaror prognoz bilan tasdiqlab, kredit portfeli va mulkchilik tuzilmasi bilan bog\u2018liq xatarlar saqlanib qolayotganini ma\u2019lum qildi.","og_url":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/","og_site_name":"Frank.uz","article_publisher":"https:\/\/www.facebook.com\/FrankUzbekistan","article_published_time":"2025-10-16T06:52:30+00:00","author":"Azamat","twitter_card":"summary_large_image","twitter_creator":"@frank_uzb","twitter_site":"@frank_uzb","twitter_misc":{"Written by":"Azamat","Est. reading time":"1 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/","url":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/","name":"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda &#8212; Frank.uz","isPartOf":{"@id":"https:\/\/frank.uz\/uz\/#website"},"primaryImageOfPage":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#primaryimage"},"image":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#primaryimage"},"thumbnailUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/juxyvo16055246280237_l.jpg","datePublished":"2025-10-16T06:52:30+00:00","author":{"@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67"},"description":"Fitch Ratings agentligi Universal Bank reytingini \u201cB-\u201d darajasida barqaror prognoz bilan tasdiqlab, kredit portfeli va mulkchilik tuzilmasi bilan bog\u2018liq xatarlar saqlanib qolayotganini ma\u2019lum qildi.","breadcrumb":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#breadcrumb"},"inLanguage":"uz-UZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/"]}]},{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#primaryimage","url":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/juxyvo16055246280237_l.jpg","contentUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/juxyvo16055246280237_l.jpg","width":1200,"height":800},{"@type":"BreadcrumbList","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/fitch-universal-bank-reytingi-xavflar-bosimi-ostida-ammo-b-darajasida-qolmoqda\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/frank.uz\/uz\/"},{"@type":"ListItem","position":2,"name":"Fitch: Universal Bank reytingi xavflar bosimi ostida, ammo \u201cB-\u201d darajasida qolmoqda"}]},{"@type":"WebSite","@id":"https:\/\/frank.uz\/uz\/#website","url":"https:\/\/frank.uz\/uz\/","name":"Frank.uz","description":"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.","alternateName":"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/frank.uz\/uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"uz-UZ"},{"@type":"Person","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67","name":"Azamat","image":{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","caption":"Azamat"}}]}},"_links":{"self":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/11083","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/comments?post=11083"}],"version-history":[{"count":0,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/11083\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media\/11075"}],"wp:attachment":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media?parent=11083"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/categories?post=11083"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/tags?post=11083"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}