{"id":6318,"date":"2025-07-27T14:33:49","date_gmt":"2025-07-27T09:33:49","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekistonda-muammoli-kreditlar-38-foizgacha-kamaydi-ipotekabank-eng-kop-zarar-kordi\/"},"modified":"2025-07-27T14:33:49","modified_gmt":"2025-07-27T09:33:49","slug":"ozbekistonda-muammoli-kreditlar-38-foizgacha-kamaydi-ipotekabank-eng-kop-zarar-kordi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-muammoli-kreditlar-38-foizgacha-kamaydi-ipotekabank-eng-kop-zarar-kordi\/","title":{"rendered":"O\u2018zbekistonda muammoli kreditlar 3,8 foizgacha kamaydi \u2014 Ipotekabank eng ko\u2018p zarar ko\u2018rdi"},"content":{"rendered":"<p><strong>Nima uchun bu muhim:<\/strong><\/p>\n<p>NPLning pasayishi bank sektorining barqarorlashuvi, qarz oluvchilar intizomining yaxshilanishi va xatarlarni boshqarish samaradorligining belgisidir. Bu, shuningdek, xalqaro investorlar va regulyatorlar uchun asosiy ishonch ko\u2018rsatkichidir. <\/p>\n<p><strong>Nima bo&#8217;ldi:<\/strong><\/p>\n<ul>\n<li>Muammoli kreditlarning umumiy hajmi: 21,87 trln so\u2018m (iyun oyida \u2014 1,65 trln);<\/li>\n<li>NPLning kredit portfelidagi ulushi \u2014 3,8% (bir oy oldingi 4,1%ga nisbatan);<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Qisqarish bo\u2018yicha yetakchilar:<\/span><\/p>\n<ul>\n<li>Ipotekabank: -1 trln so\u2018m, NPLning joriy darajasi \u2014 2,31 trln (portfelga nisbatan 6,6%);<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Muammoli kreditlarning eng yuqori ulushi:<\/span><\/p>\n<ul>\n<li>Garant bank \u2014 16,7%;<\/li>\n<li>AVO bank \u2014 11,1%;<\/li>\n<li>Yangibank \u2014 8,3%.<\/li>\n<li>4 ta bankda (jumladan, KDB, Apex va Uzum bank) NPL nolga teng.<\/li>\n<\/ul>\n<p>Davlat ulushi bo\u2018lgan banklarda NPLning o\u2018rtacha ulushi: 3,8%; xususiy banklarda \u2014 3,9%.<\/p>\n<p><strong>Nima deyishdi:<\/strong><\/p>\n<p>Ipotekabankda NPLning pasayishi portfelning qayta tuzilishi va yanada konservativ kredit siyosatiga o\u2018tish bilan bog\u2018liq bo\u2018lishi mumkin. Tahlilchilar tizimning sog\u2018lomlashtirilishini ijobiy signal deb atashmoqda, biroq bir qator banklarda ko\u2018rsatkichlar kritik darajada yuqoriligicha qolayotganini ta\u2019kidlashmoqda. <\/p>\n<p><strong>Mohiyat:<\/strong><\/p>\n<ul>\n<li>2023-2024-yillarda O\u2018zbekiston Markaziy banki aktivlar sifati ustidan nazoratni kuchaytirdi va risklarni boshqarish bo\u2018yicha yangi me\u2019yorlarni joriy qildi;<\/li>\n<li>Davlat sektorini xususiylashtirishning milliy strategiyasi yirik banklarni sog\u2018lomlashtirishga ham ta\u2019sir ko\u2018rsatadi;<\/li>\n<li>Barcha banklarning umumiy kredit portfeli 575,2 trln so\u2018mni tashkil etdi.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>2025-yil 1-iyul holatiga ko\u2018ra, O\u2018zbekiston banklaridagi muammoli kreditlar (NPL) hajmi 21,87 trillion so\u2018mni tashkil etdi \u2014 oyiga minus 1,65 trillion so\u2018m. Umumiy portfeldagi NPL ulushi 4,1 foizdan 3,8 foizga kamaydi. <\/p>\n","protected":false},"author":4,"featured_media":6310,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":[],"_sharing_image_fieldset":[],"pin_until":"","footnotes":""},"categories":[622],"tags":[634,628,760,880],"class_list":["post-6318","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-mb","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>O\u2018zbekistonda muammoli kreditlar 3,8 foizgacha kamaydi \u2014 Ipotekabank eng ko\u2018p zarar ko\u2018rdi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"2025-yil 1-iyul holatiga ko\u2018ra, O\u2018zbekiston banklaridagi muammoli kreditlar (NPL) hajmi 21,87 trillion so\u2018mni tashkil etdi \u2014 oyiga minus 1,65 trillion so\u2018m. 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