{"id":7888,"date":"2025-08-26T14:29:03","date_gmt":"2025-08-26T09:29:03","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekistonda-muammoli-kreditlar-ulushi-davlat-banklari-hisobiga-39-foizgacha-oshdi\/"},"modified":"2025-08-26T14:29:03","modified_gmt":"2025-08-26T09:29:03","slug":"ozbekistonda-muammoli-kreditlar-ulushi-davlat-banklari-hisobiga-39-foizgacha-oshdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-muammoli-kreditlar-ulushi-davlat-banklari-hisobiga-39-foizgacha-oshdi\/","title":{"rendered":"O\u2018zbekistonda muammoli kreditlar ulushi davlat banklari hisobiga 3,9 foizgacha oshdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>NPLning o\u2018sishi moliyaviy tizimdagi xatarlardan darak beradi. Davlat banklari uchun bu kredit portfelining barqarorligi va sifati ko\u2018rsatkichi bo\u2018lib, biznes va aholi uchun kreditlarning mavjudligi va narxiga bevosita ta\u2019sir qiladi. <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>Banklarning umumiy kredit portfeli <strong>576,2 trln so\u2018mdan<\/strong> <a href=\"https:\/\/cbu.uz\/ru\/statistics\/bankstats\/2735901\/\">oshdi<\/a> (bir oyda +0,1%);<\/li>\n<li>Sektorlar kesimida NPL ulushi \u2014 <strong>3,9%<\/strong> (davlat banklari \u2014 4,0%, xususiy banklar \u2014 3,8%);<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Muammoli kreditlar ulushining eng yuqori o\u2018sishi quyidagilarda qayd etildi:<\/span><\/p>\n<ul>\n<li><strong>Poytaxt bank<\/strong> \u2014 3,2% dan 5,7% gacha;<\/li>\n<li><strong>Yangi bank<\/strong> \u2014 8,3% dan 9,8% gacha;<\/li>\n<li><strong>Garant bank<\/strong> ko\u2018rsatkichni 16,7 foizdan 14,7 foizga tushirdi, ammo NPL bo\u2018yicha yetakchi bo\u2018lib qoldi;<\/li>\n<li>NPLning pasayishi <strong>Kapital bank<\/strong> (5,5 foizdan 4,9 foizga) va <strong>Saderat bank<\/strong> (6,3 foizdan 4,3 foizga) tomonidan qayd etildi.<\/li>\n<\/ul>\n<p><strong>Nima deyildi<\/strong><\/p>\n<p>Ekspertlar davlat banklarida NPLning o\u2018sishini davlat loyihalarini faol kreditlash va xatarlarni boshqarishning zaifligi bilan bog\u2018lamoqda. Xususiy banklar esa, aksincha, yanada konservativ kredit siyosati orqali portfel sifatining yaxshilanishini ko\u2018rsatmoqda. <\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>O\u2018zbekiston Markaziy banki muammoli qarzlar ustidan nazoratni kuchaytirmoqda: 2023-yildan boshlab banklarga NPL bo\u2018yicha qat\u2019iyroq zaxiralarni shakllantirish talabi joriy etildi. Shu bilan birga, mamlakatda muammoli kreditlarning umumiy darajasi nisbatan pastligicha qolmoqda \u2014 taqqoslash uchun, Qozog\u2018istonda bu ko\u2018rsatkich 4,5 foiz atrofida, Qirg\u2018izistonda 6 foizdan yuqori. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Iyul oyida O\u2018zbekiston bank sektorida muammoli kreditlar ulushining o\u2018sishi davlat banklari hissasiga to\u2018g\u2018ri kelgan bo\u2018lsa, xususiy banklarda pasayish kuzatilmoqda.<\/p>\n","protected":false},"author":4,"featured_media":6905,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":[],"_sharing_image_fieldset":[],"pin_until":"","footnotes":""},"categories":[622],"tags":[1007,628,760,2030,880],"class_list":["post-7888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-kreditlar","tag-mb","tag-finansy-uz","tag-muammoli-kreditlar","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 ulushi davlat banklari hisobiga 3,9 foizgacha oshdi &#8212; 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