{"id":11570,"date":"2025-10-23T13:36:16","date_gmt":"2025-10-23T08:36:16","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/biznes-finans-yillik-28-daromadlilik-bilan-25-mlrd-somlik-obligatsiyalarni-joylashtirmoqda\/"},"modified":"2025-10-23T13:36:16","modified_gmt":"2025-10-23T08:36:16","slug":"biznes-finans-yillik-28-daromadlilik-bilan-25-mlrd-somlik-obligatsiyalarni-joylashtirmoqda","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/biznes-finans-yillik-28-daromadlilik-bilan-25-mlrd-somlik-obligatsiyalarni-joylashtirmoqda\/","title":{"rendered":"Biznes Finans yillik 28% daromadlilik bilan 25 mlrd so\u2018mlik obligatsiyalarni joylashtirmoqda"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Obligatsiyalarning yuqori daromadliligi (28%) mikromoliyalash sektorining yuqori risklarini aks ettiradi, ammo bank stavkalarining pasayishi sharoitida investorlarni jalb qiladi. Yil davomida kredit portfelining 71 foizga o\u2018sishi kompaniyaning agressiv kengayishini ko\u2018rsatadi, ammo muammoli kreditlar ulushi minimal darajada qolmoqda. <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>25 mlrd so\u2018mlik obligatsiyalarning to\u2018rtinchi chiqarilishi 21-oktyabrda davlat ro\u2018yxatidan o\u2018tkazildi;<\/li>\n<li>Kuponli daromadlilik \u2014 har oylik to\u2018lovlar bilan yillik 28%;<\/li>\n<li>Bitta obligatsiyaning nominal qiymati \u2014 100 000 so\u2018m, muomala muddati \u2014 3 yil;<\/li>\n<li>Joylashtirish 2025-yil 5-noyabrda boshlanadi;<\/li>\n<li>Birinchi yarim yillikda sof foyda 57,3 foizga o\u2018sib, 23,6 mlrd so\u2018mni tashkil etdi.<\/li>\n<\/ul>\n<p><strong>Moliyaviy ko\u2018rsatkichlar<\/strong><\/p>\n<p>2025-yil 1-iyul holatiga ko\u2018ra, Biznes Finans kredit portfeli 163,2 milliard so\u2018mni tashkil etdi \u2014 yillik o\u2018sish 71,1 foizni tashkil etdi. Muammoli kreditlar ulushi 0,8 foizdan 0,9 foizgacha biroz oshdi va past darajada qolmoqda. <\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Biznes Finans kredit portfelining o\u2018sishini moliyalashtirish uchun obligatsiya zayomlari orqali mablag\u2018larni faol jalb qilmoqda. Obligatsiyalarning yuqori daromadliligi (28%) investorlarga mikromoliya sektorining yuqori risklarini qoplaydi, bu yerda mijozlar bazasi bank sektoriga qaraganda kamroq barqaror. <\/p>\n<p>To\u2018rtinchi nashr rejalari haqida kompaniya 2025-yil iyul oyida e\u2019lon qilgan edi. NPL ulushining barqaror pastligi (0,9%) biznesning jadal kengayishiga qaramay, xatarlarni samarali boshqarishni ko\u2018rsatadi. Obligatsiyalarning uch yillik muomala muddati kompaniyaga operatsiyalarni rivojlantirish uchun o\u2018rta muddatli moliyalashtirish olish imkonini beradi.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Biznes Finans mikromoliya tashkiloti 21-oktyabr kuni 25 mlrd so\u2018mlik obligatsiyalarning to\u2018rtinchi chiqarilishini ro\u2018yxatdan o\u2018tkazdi. Joylashtirish 5-noyabrdan yillik 28% kupon stavkasi va oylik to\u2018lovlar bilan boshlanadi. <\/p>\n","protected":false},"author":4,"featured_media":11513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68fa225317d02.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11513,"YlB8HH34jIzY":"Biznes Finans yillik 28% daromadlilik bilan 25 mlrd so\u2018mlik obligatsiyalarni joylashtirmoqda"},"pin_until":"","footnotes":""},"categories":[622],"tags":[3393,2259,760,1129],"class_list":["post-11570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-biznes-finans-uz","tag-mikromoliyalash","tag-finansy-uz","tag-obligatsiyalar"],"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>Biznes Finans yillik 28% daromadlilik bilan 25 mlrd so\u2018mlik obligatsiyalarni joylashtirmoqda &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Biznes Finans mikromoliya tashkiloti 21-oktyabr kuni 25 mlrd so\u2018mlik obligatsiyalarning to\u2018rtinchi chiqarilishini ro\u2018yxatdan o\u2018tkazdi. 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