{"id":7089,"date":"2025-08-08T14:33:01","date_gmt":"2025-08-08T09:33:01","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/tbc-uzbekistan-daromadi-ikki-baravarga-foydasi-esa-30-foizga-oshdi\/"},"modified":"2025-08-08T14:33:01","modified_gmt":"2025-08-08T09:33:01","slug":"tbc-uzbekistan-daromadi-ikki-baravarga-foydasi-esa-30-foizga-oshdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/tbc-uzbekistan-daromadi-ikki-baravarga-foydasi-esa-30-foizga-oshdi\/","title":{"rendered":"TBC Uzbekistan daromadi ikki baravarga, foydasi esa 30 foizga oshdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Bank kredit portfeli va mijozlar bazasini oshirish orqali chakana bank xizmatlari segmentidagi mavqeini mustahkamlamoqda. O\u2018zbekiston bo\u2018linmasi allaqachon TBC Bank butun guruhi daromadlarining beshdan bir qismini bermoqda. <\/p>\n<p><strong>Asosiy faktlar<\/strong><\/p>\n<ul>\n<li><strong>Kredit portfeli:<\/strong> 11,44 trln so\u2018m (+113%), jismoniy shaxslarni kreditlash umumiy bozorining 5 foizi, 16,5% \u2014 ta\u2019minlanmagan kreditlar segmenti.<\/li>\n<li><strong>Depozitlar:<\/strong> 6,23 trln so\u2018m (+93 foiz), bu mamlakatdagi barcha aholi omonatlarining qariyb 4 foizini tashkil etadi.<br \/>\n<strong>Guruhdagi ulush:<\/strong> 21% daromad, 8% foyda TBC Bank Group; O\u2018zbekiston guruh depozitlarining 13 foizini va iste\u2019mol kreditlarining 50 foizdan ortig\u2018ini ta\u2019minlaydi.<br \/>\n<strong>Mijozlar bazasi: <\/strong>20,8 million noyob foydalanuvchilar (+33%), ulardan 5,7 million nafari oylik faol foydalanuvchilar (+19%).<br \/>\n<strong>Kartalar: <\/strong>516 ming. Salom Card (depozit portfelining 1,9%), 69 ming so\u2018m. Osmon Card (kredit portfelining 3,7%).<\/li>\n<\/ul>\n<p><strong>Nima deyildi<\/strong><\/p>\n<p>TBC Uzbekistan bosh direktori Nika Kurdiani:<\/p>\n<blockquote><p>\u201cKredit va depozit portfellari ikki barobarga o\u2018sdi, chakana bank xizmatlari bozoridagi ulush o\u2018sishda davom etmoqda. Biz ekotizimni tizimli ravishda rivojlantirmoqdamiz, mahsulotlar qatorini kengaytirmoqdamiz va strategik bitimlar tuzmoqdamiz\u201d.<\/p><\/blockquote>\n<p><strong>Mohiyat<\/strong><\/p>\n<ul>\n<li>2024-yilda TBC Uzbekistan xuddi shunday tendensiyani ko\u2018rsatdi, ammo o\u2018sish sur\u2019atlari pastroq bo\u2018ldi: kredit portfeli 60-70 foizga, foyda esa 20-25 foizga o\u2018sdi.<\/li>\n<li>TBC guruhi O\u2018zbekistonda ekotizim modelidan foydalangan holda fintech yo\u2018nalishlarini (Payme, Payme Nasiya, TBC Sug\u2018urta) faol rivojlantirmoqda.<\/li>\n<li>Mamlakatda garovsiz kreditlar va raqamli bank xizmatlariga bo\u2018lgan yuqori talab saqlanib qolmoqda, bu esa onlayn banklar ulushining o\u2018sishini rag\u2018batlantirmoqda.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>TBC Uzbekistan 2025-yilning yanvar-iyun oylarida operatsion daromadini 1,54 trln so\u2018mgacha 2 barobarga, sof foydasini esa 254 mlrd so\u2018mgacha 30 foizga oshirdi.<\/p>\n","protected":false},"author":4,"featured_media":7079,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":[],"_sharing_image_fieldset":[],"pin_until":"","footnotes":""},"categories":[622],"tags":[634,640,1665,1664,1033],"class_list":["post-7089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-biznes","tag-nika-kurdiani-uz","tag-tbc-bank-group-uz","tag-tbc-uzbekistan-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>TBC Uzbekistan daromadi ikki baravarga, foydasi esa 30 foizga oshdi &#8212; 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