{"id":5597,"date":"2025-07-17T10:52:27","date_gmt":"2025-07-17T05:52:27","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ipoteka-bank-yarim-yil-ichida-rekord-darajada-zarar-kordi\/"},"modified":"2025-07-17T10:52:27","modified_gmt":"2025-07-17T05:52:27","slug":"ipoteka-bank-yarim-yil-ichida-rekord-darajada-zarar-kordi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ipoteka-bank-yarim-yil-ichida-rekord-darajada-zarar-kordi\/","title":{"rendered":"Ipoteka bank yarim yil ichida rekord darajada zarar ko\u2018rdi"},"content":{"rendered":"<p><strong>Bu nega muhim:<\/strong> Eng yirik banklardan birining 6 oylik zarari kredit portfelining umumiy zaifligini aks ettiradi. Ilgari regulyator eng katta muammolarni \u201ckreditlarni qayta baholash va zaxiralar yaratish\u201d bilan izohlagan. <\/p>\n<p><strong>Nima bo&#8217;ldi:<\/strong><\/p>\n<ul>\n<li>Sof zarar bir yil oldingi +191,8 mlrd so\u2018m foydaga nisbatan 392,5 mlrd so\u2018mni tashkil etdi.<\/li>\n<li>I chorakda muammoli aktivlarning 10,2 foizgacha (3,5 trln so\u2018m) o\u2018sishi tufayli 30,7 mlrd so\u2018m zarar qayd etildi.<\/li>\n<li>2024-yil yakunlariga ko\u2018ra, bank yilni 240,2 mlrd so\u2018m sof zarar bilan yakunladi, shuningdek, muammoli qarzdorlik ikki barobarga oshib, 10,2 foizga yetdi.<\/li>\n<li>2023-yilda OTP Bank sotib olgunga qadar Ipoteka bank mamlakat bo\u2018yicha daromadlilik jihatidan yetakchi o\u2018rinda turgan edi.<\/li>\n<\/ul>\n<p><strong>Nima deyishdi:<\/strong><\/p>\n<ul>\n<li>Regulyator avvalroq foyda tushishi kreditlarni qayta baholash va zaxiralarni shakllantirish zarurati bilan bog\u2018liqligini ta\u2019kidlagandi.<\/li>\n<li>Muammoli kreditlar ulushining 5-6 foizdan 10 foizdan oshishi tizimli xatarlardan darak beradi.<\/li>\n<\/ul>\n<p><strong>Mohiyat:<\/strong><\/p>\n<ul>\n<li>OTP Bank 2023-yil iyun oyida Ipoteka bankning 73,7 foiz aksiyalarini sotib oldi va xususiylashtirishning birinchi bosqichini yakunladi.<\/li>\n<li>2023-yil oxirida bank o\u2018z mavqeini mustahkamlash uchun qariyb 70 million dollar miqdorida qo\u2018shimcha mablag\u2018 oldi.<\/li>\n<li>Biroq 2024-yildan boshlab kredit portfelining pasayishi (yillik 5,6 foiz) va zaxiralarning o\u2018sishi kuzatilmoqda.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>2025-yilning birinchi yarmida Ipoteka bank 392,5 milliard so\u2018m sof zarar ko\u2018rdi, 2024-yilning shu davrida esa 191,8 milliard so\u2018m foyda ko\u2018rgan.<\/p>\n","protected":false},"author":4,"featured_media":5594,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":[],"_sharing_image_fieldset":[],"pin_until":"","footnotes":""},"categories":[622],"tags":[634,1053,627,965,628,1054],"class_list":["post-5597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-ipoteka-bank","tag-iqtisodiyot","tag-kredit-portfeli","tag-mb","tag-otp-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>Ipoteka bank yarim yil ichida rekord darajada zarar ko\u2018rdi &#8212; 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