{"id":5274,"date":"2025-07-11T17:34:00","date_gmt":"2025-07-11T12:34:00","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/kapitalbank-sof-foydani-15-foizga-qisqartirdi\/"},"modified":"2025-07-11T17:34:00","modified_gmt":"2025-07-11T12:34:00","slug":"kapitalbank-sof-foydani-15-foizga-qisqartirdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/kapitalbank-sof-foydani-15-foizga-qisqartirdi\/","title":{"rendered":"Kapitalbank sof foydani 15 foizga qisqartirdi"},"content":{"rendered":"<p>Foizli daromadlar 34,3 foizga kamayib, 3,6 trillion dollarni tashkil etdi, foizsiz daromadlar esa 58,1 foizga o\u2018sib, 2,4 trillion dollarga yetdi. Kredit portfeli 17,3 foizga o\u2018sib, 33,9 trln so\u2018mni tashkil etdi, biroq muammoli kreditlar ulushi ikki barobarga oshib, 5,3 foizga yetdi. <\/p>\n<p><strong>Nima uchun bu muhim:<\/strong><\/p>\n<ol>\n<li><strong>Daromadlarning kamayishi:<\/strong> foiz marjasining sezilarli darajada pasayishi (-34%) an\u2019anaviy kredit operatsiyalari rentabelligining pasayishidan dalolat beradi.<\/li>\n<li><strong>Daromadlar modelining o\u2018zgarishi:<\/strong> xizmatlardan olinadigan to\u2018lovlarning keskin o\u2018sishi yangi foyda manbalariga moslashishni ko\u2018rsatmoqda.<\/li>\n<li><strong>Xatarlarning ortishi:<\/strong> NPL ulushining 5,3 foizgacha ikki baravar oshishi bankning moliyaviy barqarorligini yomonlashtirishi va zaxiralarning ko\u2018payishiga olib kelishi mumkin.<\/li>\n<\/ol>\n<p><strong>Nima bo&#8217;ldi:<\/strong><\/p>\n<ul>\n<li><strong>Sof foyda:<\/strong> 602,4 mlrd so\u2018m (-15,4 foiz).<\/li>\n<li><strong>Foiz daromadlari:<\/strong> 3,6 trln (-34,3 foiz).<\/li>\n<li><strong>Foizsiz daromadlar:<\/strong> 2,4 trln (+58,1 foiz).<\/li>\n<li><strong>Kredit portfeli:<\/strong> 33,9 trln (+17,3 foiz).<\/li>\n<li><strong>NPL:<\/strong> 2,7 foizdan 5,3 foizgacha o\u2018sdi.<\/li>\n<\/ul>\n<p><strong>Nima deyishdi:<\/strong><\/p>\n<p>Hozircha rahbariyatdan rasmiy izohlar yo\u2018q, ammo dinamika shuni ko\u2018rsatadiki, bank foiz tushumlarining pasayishini qoplash uchun komissiya yo\u2018nalishini faollashtirmoqda.<\/p>\n<p><strong>Kontekst:<\/strong><\/p>\n<ul>\n<li>2024-yilda Kapitalbank I yarim yillikda 775 milliard so\u2018m foyda ko\u2018rgan va o\u2018sha hisobotda barqarorlik va yetakchilikni ta\u2019kidlagan. Joriy natijalar ko\u2018rsatkichlarning o\u2018zgarishi va kredit risklarining kuchayishini ko\u2018rsatmoqda. <\/li>\n<li>NPLning o\u2018sishi iqtisodiy tebranishlar fonida kreditlar sifati yomonlashgan bozordagi umumiy tendensiyani aks ettiradi.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kapitalbank\u2019ning sof foydasi 2025-yilning birinchi yarmida 602,4 mlrd so\u2018mgacha kamaydi.<\/p>\n","protected":false},"author":4,"featured_media":5251,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":[],"_sharing_image_fieldset":[],"pin_until":"","footnotes":""},"categories":[622],"tags":[634,879,760,880],"class_list":["post-5274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-daromadlar","tag-finansy-uz","tag-npl-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>Kapitalbank sof foydani 15 foizga qisqartirdi &#8212; 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