{"id":11759,"date":"2025-10-25T13:36:55","date_gmt":"2025-10-25T08:36:55","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekiston-banklari-9-oyda-109-trln-som-daromad-oldi\/"},"modified":"2025-10-25T13:36:55","modified_gmt":"2025-10-25T08:36:55","slug":"ozbekiston-banklari-9-oyda-109-trln-som-daromad-oldi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekiston-banklari-9-oyda-109-trln-som-daromad-oldi\/","title":{"rendered":"O\u2018zbekiston banklari 9 oyda 10,9 trln so\u2018m daromad oldi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Foydaning 35 foizga o\u2018sishi iqtisodiy o\u2018sish (9 oyda 7,6 foiz) fonida bank sektorining barqaror rivojlanayotganini ko\u2018rsatadi. Yuqori rentabellik kreditlashning kengayishi, so\u2018mning mustahkamlanishi va dollarlashuvning pasayishi bilan bog\u2018liq. Yangi banklarning yo\u2018qotishlari ishga tushirish bosqichida normal holat.  <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>Banklar 9 oyda 10,9 trln so\u2018m sof foyda <a href=\"https:\/\/bankers.uz\/news\/2816\">ko\u2018rdi<\/a> (+34,5%);<\/li>\n<li>To\u2018rtta bank 1 trln so\u2018mlik to\u2018siqni yengib o\u2018tdi: NBU (1,45 trln), SQB (1,39 trln), Hamkorbank (1,27 trln), Kapitalbank (1,16 trln);<\/li>\n<li>Top-10 banklar butun tizim foydasining 72 foizini ta\u2019minlagan;<\/li>\n<li>Ikkita bank \u2014 Yangi Bank (-95,4 mlrd) va Apex Bank (-52,2 mlrd) zarar ko\u2018rishda davom etmoqda.<\/li>\n<\/ul>\n<p><strong>Foyda bo\u2018yicha top-10 banklar<\/strong><\/p>\n<ol>\n<li><strong>NBU<\/strong> \u2014 1,45 trln so\u2018m (+67,8 mlrd);<\/li>\n<li><strong>SQB<\/strong> \u2014 1,39 trln (+584,3 mlrd);<\/li>\n<li><strong>Hamkorbank<\/strong> \u2014 1,27 trln (+226,7 mlrd);<\/li>\n<li><strong>Kapitalbank<\/strong> \u2014 1,16 trln (+234,8 mlrd);<\/li>\n<li><strong>Orient Finans Bank<\/strong> \u2014 793,5 mlrd (+104,8 mlrd);<\/li>\n<li><strong>Ipak Yo\u2018li banki<\/strong> \u2014 752,5 mlrd (+70,2 mlrd);<\/li>\n<li><strong>Trastbank<\/strong> \u2014 616,9 mlrd (+62,5 mlrd);<\/li>\n<li><strong>KDB Bank Uzbekistan<\/strong> \u2014 493,2 mlrd (+100,3 mlrd);<\/li>\n<li><strong>Davr bank<\/strong> \u2014 465,1 mlrd (+178,8 mlrd);<\/li>\n<li>BRB \u2014 386,5 mlrd (zarardan chiqdi, +666 mlrd).<\/li>\n<\/ol>\n<p><strong>Kuchli o\u2018sish<\/strong><\/p>\n<p>Foydaning eng katta o\u2018sishini BRB (+666 mlrd dan zarardan chiqdi), O\u2018zsanoatqurilishbank (+584,3 mlrd), Kapitalbank (+234,8 mlrd), Hamkorbank (+226,7 mlrd) va Davr bank (+178,8 mlrd) ko\u2018rsatdi.<\/p>\n<p><strong>Foydaning kamayishi<\/strong><\/p>\n<p>To\u2018rtta bankda pasayish qayd etildi: TBC Bank Uzbekistan (-244,1 mlrd), Ipoteka bank (-86,8 mlrd), Ziraat bank (-11,3 mlrd), Turonbank (-13,1 mlrd).<\/p>\n<p><strong>Zarar<\/strong><\/p>\n<p>Ikkita yangi bank zarar ko\u2018rishda davom etmoqda: Yangi Bank (-95,4 mlrd) va Apex Bank (-52,2 mlrd). AVO Bank bir yil avval 83,4 mlrd so\u2018m zarar ko\u2018rganidan so\u2018ng foydaga chiqdi. <\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Bank sektori foydasining 35 foizga o\u2018sishi bir nechta omillar bilan bog\u2018liq: kreditlashning kengayishi (portfel 9 oy ichida 22 foizga o\u2018sdi), so\u2018mning 6,4 foizga mustahkamlanishi (valyuta aktivlarining so\u2018mdagi qiymatini oshiradi), dollarlashuvning pasayishi (valyuta depozitlarining ulushi 26 foizdan 23 foizga tushdi).<\/p>\n<p>Foydaning yuqori konsentratsiyasi: eng yaxshi 10 ta bank tizim foydasining 72 foizini ta\u2019minladi. Bu yirik o\u2018yinchilarning ustunligi, o\u2018rta va kichik banklarning mijozlar uchun raqobatda qiyinchiliklarga duch kelishidan dalolat beradi. <\/p>\n<p>BRB davlatning qo\u2018llab-quvvatlashi va kichik va o\u2018rta biznesni kreditlashga e\u2019tibor qaratishi tufayli zarar ko\u2018rishdan qutuldi. TBC Bank foydasining pasayishi (-244 mlrd) mijozlarning chiqib ketishi (sentyabr oyida baza 12 foizga kamaydi) yoki muammoli kreditlar uchun zaxiralash bilan bog\u2018liq bo\u2018lishi mumkin. <\/p>\n<p>Yangi banklarning (Yangi Bank, Apex Bank) yo\u2018qotishlari vaqtinchalik hodisadir. Barqaror rentabellikka erishish uchun ularga mijozlar bazasi va kredit portfelini ko\u2018paytirish uchun 2-3 yil kerak bo\u2018ladi. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>To\u2018rtta bank 1 trln so\u2018mlik foyda to\u2018sig\u2018idan o\u2018tdi. Ikkita yangi bank \u2014 Yangi Bank va Apex Bank zarar ko\u2018rishda davom etmoqda. <\/p>\n","protected":false},"author":4,"featured_media":11723,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68fcb977666a4.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11723,"YlB8HH34jIzY":"O\u2018zbekiston banklari 9 oyda 10,9 trln so\u2018m daromad oldi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,964,628,760],"class_list":["post-11759","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-foyda","tag-mb","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>O\u2018zbekiston banklari 9 oyda 10,9 trln so\u2018m daromad oldi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"To\u2018rtta bank 1 trln so\u2018mlik foyda to\u2018sig\u2018idan o\u2018tdi. 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