{"id":19741,"date":"2026-04-24T10:15:37","date_gmt":"2026-04-24T05:15:37","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/mb-bank-tizimidagi-muammoli-kreditlar-statistikasini-elon-qildi\/"},"modified":"2026-04-24T10:15:37","modified_gmt":"2026-04-24T05:15:37","slug":"mb-bank-tizimidagi-muammoli-kreditlar-statistikasini-elon-qildi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-tizimidagi-muammoli-kreditlar-statistikasini-elon-qildi\/","title":{"rendered":"MB bank tizimidagi muammoli kreditlar statistikasini e\u2019lon qildi"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>Muammoli kreditlar ulushi bank portfellari sifati va moliyaviy tizim barqarorligini aks ettiradi. NPL o\u2018sishi banklar likvidligiga va ularning iqtisodiyotni kreditlash imkoniyatlariga bevosita ta\u2019sir ko\u2018rsatadi. Bunday kreditlarning banklar kesimida taqsimlanishi asosiy risklar qayerda jamlanganini ko\u2018rsatadi. Regulyator uchun bu nazorat va siyosat bo\u2018yicha qarorlar qabul qilishda muhim ko\u2018rsatkich hisoblanadi.   <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>Markaziy bank 2026-yil 1-aprel holatiga ko\u2018ra O\u2018zbekiston tijorat banklaridagi muammoli kreditlar bo\u2018yicha ma\u2019lumotlarni <a href=\"https:\/\/cbu.uz\/uz\/statistics\/bankstats\/3791161\/\">e\u2019lon qildi<\/a>.<\/li>\n<li>Statistika bank tizimidagi umumiy kreditlar hajmi va muammoli kreditlar ulushini ko\u2018rsatadi.<\/li>\n<li>Kredit portfelining asosiy qismi davlat ulushi mavjud banklarda jamlangan.<\/li>\n<li>Shu bilan birga, muammoli kreditlar darajasi banklar kesimida farqlanadi.<\/li>\n<\/ul>\n<h3>Raqamlar va faktlar<\/h3>\n<ul>\n<li>Bank tizimidagi umumiy kreditlar hajmi 623 286,1 mlrd so\u2018mni tashkil etdi, shundan muammoli kreditlar \u2014 19 861,3 mlrd so\u2018m, muammoli kreditlar ulushi taxminan 3,19%ni tashkil etdi.<\/li>\n<li>Davlat ulushi mavjud banklarda kreditlar hajmi 415 580,7 mlrd so\u2018mga yetdi, muammoli kreditlar esa 14 295,8 mlrd so\u2018mni tashkil etib, ulushi taxminan 3,44% bo\u2018ldi.<\/li>\n<li>Eng katta muammoli kreditlar hajmi O\u2018zMilliyBank \u2014 3 070 mlrd so\u2018m, Agrobank \u2014 2 694 mlrd so\u2018m va O\u2018zsanoatqurilishbank \u2014 2 022 mlrd so\u2018mda qayd etildi.<\/li>\n<li>Eng past ko\u2018rsatkichlar Orient Finance Bank \u2014 21 mlrd so\u2018m, Hamkorbank \u2014 197 mlrd so\u2018m va Ipak yo\u2018li Bank \u2014 205 mlrd so\u2018mda kuzatildi.<\/li>\n<li>Ro\u2018yxatda, shuningdek, Asaka Bank \u2014 1 670 mlrd so\u2018m, Biznesni rivojlantirish banki \u2014 1 100 mlrd so\u2018m, Mikrokreditbank \u2014 1 003 mlrd so\u2018m va Kapital Bank \u2014 1 008 mlrd so\u2018m ham bor.<\/li>\n<li>Qo\u2018shimcha ravishda: Xalq banki \u2014 1 026 mlrd so\u2018m, Aloqa Bank \u2014 640 mlrd so\u2018m, Turon Bank \u2014 522 mlrd so\u2018m, TBC bank \u2014 605 mlrd so\u2018m, Anor Bank \u2014 498 mlrd so\u2018m va Davr Bank \u2014 279 mlrd so\u2018m.<\/li>\n<\/ul>\n<h3>Mohiyat<\/h3>\n<ul>\n<li>Banklar uchun bu kredit portfeli sifati ustidan nazoratni kuchaytirish va risklarni boshqarishni takomillashtirish zarurligini anglatadi.<\/li>\n<li>Biznes esa NPL ustidan nazorat kuchayishi fonida kreditlash shartlarining qat\u2019iylashishiga duch kelishi mumkin.<\/li>\n<li>Regulyator uchun ko\u2018rsatkichni boshqariladigan darajada ushlab turish tizimga bosimning oldini olish uchun muhimdir.<\/li>\n<li>Umuman olganda, joriy daraja sektor barqarorligi saqlanib qolgan holda o\u2018rtacha risklar mavjudligini ko\u2018rsatadi.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Umumiy hajm 19,8 trln so\u2018mdan oshdi, banklar o\u2018rtasidagi tafovutlar sezilarli darajada saqlanib qolmoqda.<\/p>\n","protected":false},"author":7,"featured_media":15764,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2026\/04\/69eb02c5b68fc.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":15764,"YlB8HH34jIzY":"MB bank tizimidagi muammoli kreditlar statistikasini e\u2019lon qildi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,1007,2478],"class_list":["post-19741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-kreditlar","tag-markaziy-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>MB bank tizimidagi muammoli kreditlar statistikasini e\u2019lon qildi &#8212; 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