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CB: Aggregate capital of Uzbek banks reach 7.4 trillion soums

22.10.2015 2319

The Central Bank held an enlarged Board session on the results of banking system activity for nine months of 2015, the implementation of the basic directions of the economic program and priorities for the current year defined by the President of our country at the session of the Cabinet of Ministers on January 16 of the current year, as well as the discussion of the tasks set before the banking system at a government meeting on October 19, 2015.

The session was presided by the Chairman of the Central Bank Fayzulla Mullajanov.

As was noted at the event, in the reporting period, the monetary policy of the Central Bank was aimed at achieving macroeconomic forecast indicators for 2015, complying with presidential regulations and decrees to further reform and improve the stability of the banking system and achievement of high international rating indicators.

A number of measures to improve the level of capitalization of banks, strengthening its liquidity and stability have been implemented in the first nine months of 2015.

As a result of these measures, indicators of the banking system not only meet generally accepted international standards, but also exceed them in some parameters.

In particular, today the capital adequacy of the banking system is 23.9%, which is 3 times higher than the required by the Basel Committee on banking supervision (8%). Total capital of banks as of October 1, 2015 amounted to over 7.4 trillion soums.

The current liquidity level for several years exceeds 64%, which is 2 times higher than the minimum standards adopted in the world practice. Total assets of banks compared with the same period last year increased by 27.4% and amounted to more than 62.1 trillion soums.

 

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License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
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  • No, you don't. The online deposit can be closed through the app.
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- Passports of founders, director, chief accountant;
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- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
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It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.

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