{"id":11647,"date":"2025-10-24T07:33:54","date_gmt":"2025-10-24T02:33:54","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/muammoli-kreditlar-boyicha-garant-bank-99-ulush-bilan-yetakchilik-qilmoqda\/"},"modified":"2025-10-24T07:33:54","modified_gmt":"2025-10-24T02:33:54","slug":"muammoli-kreditlar-boyicha-garant-bank-99-ulush-bilan-yetakchilik-qilmoqda","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/muammoli-kreditlar-boyicha-garant-bank-99-ulush-bilan-yetakchilik-qilmoqda\/","title":{"rendered":"Muammoli kreditlar bo\u2018yicha Garant bank 9,9% ulush bilan yetakchilik qilmoqda."},"content":{"rendered":"

Nega bu muhim<\/strong><\/p>\n

Muammoli kreditlar ulushining yuqoriligi kredit portfeli sifatining zaifligi va banklarning moliyaviy barqarorligi uchun xatarlardan dalolat beradi. Tizim bo\u2018yicha NPLning o\u2018rtacha darajasi 3,7 foizni, davlat banklarida esa 3,7 foizni tashkil etadi, bu esa antireyting yetakchilarining ko\u2018rsatkichlarini juda yuqori qiladi. <\/p>\n

NPL ko\u2018rsatkichlari eng yomon bo\u2018lgan top 10 bank<\/strong><\/p>\n

    \n
  1. Garant bank<\/strong> \u2014 9,9%<\/li>\n
  2. AVO Bank<\/strong> \u2014 8,8%<\/li>\n
  3. Yangi bank<\/strong> \u2014 7,4%<\/li>\n
  4. Ipoteka bank<\/strong> \u2014 6,3%<\/li>\n
  5. Biznesni rivojlantirish banki<\/strong> \u2014 5,9%<\/li>\n
  6. Poytaxt Bank<\/strong> \u2014 5,6%<\/li>\n
  7. Mikrokreditbank<\/strong> \u2014 4,9%<\/li>\n
  8. Asaka bank<\/strong> \u2014 4,7%<\/li>\n
  9. TBC bank<\/strong> \u2014 4,5%<\/li>\n
  10. Kapitalbank<\/strong> \u2014 4,4%<\/li>\n<\/ol>\n

    Tizim bo\u2018yicha kontekst<\/strong><\/p>\n

    Bank tizimi kredit portfelining umumiy hajmi 582,2 trln so\u2018mni, shundan muammoli kreditlar 21,3 trln so\u2018mni (3,7%) tashkil etdi. Davlat banklarining NPL ulushi ham 3,7 foizni tashkil etadi (394,9 trln portfeldan 14,6 trln). <\/p>\n

    Eng yaxshi natijalar:<\/strong><\/p>\n

      \n
    • UzKDB Bank, Octobank, Uzum bank \u2014 0,0%<\/li>\n
    • Apex bank \u2014 0,1%<\/li>\n
    • Madad Invest Bank, Open bank \u2014 0,3%<\/li>\n<\/ul>\n

      Bu nimani anglatadi<\/strong><\/p>\n

      Garant bankdagi yuqori NPL (deyarli 10%) \u2014 bu zaxiralarni kuchaytirish va ehtimol qo\u2018shimcha kapitallashuvni talab qiladigan ogohlantiruvchi signaldir. AVO Bank va Yangi bank ham 7 foizdan yuqori ko\u2018rsatkichlar bilan xavf ostida. <\/p>\n

      Ipoteka Bank 6,3% NPL bilan muammolarga duch kelmoqda. Biznesni rivojlantirish banki 5,9% NPL bilan kichik va o\u2018rta biznesning xatarli segmenti bilan ishlashda qiyinchiliklarga duch kelishi mumkin. <\/p>\n

      Eng yirik banklar \u2014 O\u2018zmilliybank (3,3%), Agrobank (3,4%), O\u2018zsanoatqurilishbank (3,4%) ko\u2018rsatkichlari ancha past bo\u2018lib, bu ularning kredit siyosati ancha konservativ ekanligini ko\u2018rsatadi.<\/p>\n","protected":false},"excerpt":{"rendered":"

      1-oktyabr holatiga ko\u2018ra, kredit portfelining eng yomon sifati Garant bankda qayd etilgan. NPL yuqori bo\u2018lgan top-10 banklar qatoriga AVO Bank, Yangi bank va Ipoteka bank ham kirdi. <\/p>\n","protected":false},"author":4,"featured_media":11612,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68fb1b1bcfc03.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11612,"YlB8HH34jIzY":"Muammoli kreditlar bo\u2018yicha Garant bank 9,9% ulush bilan yetakchilik qilmoqda."},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,760,2030,880,862],"class_list":["post-11647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-finansy-uz","tag-muammoli-kreditlar","tag-npl-uz","tag-reyting"],"yoast_head":"\nMuammoli kreditlar bo\u2018yicha Garant bank 9,9% ulush bilan yetakchilik qilmoqda. — Frank.uz<\/title>\n<meta name=\"description\" content=\"1-oktyabr holatiga ko\u2018ra, kredit portfelining eng yomon sifati Garant bankda qayd etilgan. 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