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O’zmilliybank: 2020 yil natijalari va 2021 yilga Istiqbolli rejalar

16.01.2021 2519

“O’zmilliybank” AJ Boshqaruvining joriy yil 16 yanvarda o’tkazilgan kengaytirilgan yig’ilishida 2020 yil natijalari va 2021 yil uchun belgilangan istiqbolli rejalar muhokama qilindi.

Yig’ilishda dastlab O’zbekiston Respublikasi Prezidentining 2020 yil 29 dekabrdagi Oliy Majlisga Murojaatnomasida keltirib o’tilgan barcha vazifalarga to’xtab o’tilib, bank faoliyatida ular ijrosini ta'minlash borasida ish rejalari tasdiqlanganligi va unga muvofiq tegishli ishlar olib borilishi qayd qilib o’tildi.

Shu bilan birga, yig’ilish davomida O’zbekiston Respublikasi Markaziy bankida joriy yil 11-16 yanvar kunlari “Mahallabay” ishlash tizimini tashkil etish yuzasidan o’tkazilgan o’quv-amaliy seminar natijalari, unda olingan bilim va tajribalarni  bankning barcha filiallari xodimlariga yetkazish, hududlarda shu kabi o’rganishlarni o’tkazishda berilgan tavsiyalarga to’liq amal qilish vazifalari berildi.

2020 yil yakunlari bilan bank aktivlari 79,8 trln. so’mni tashkil etib, kredit portfeli 65,6 trln. so’mni, jami depozitlar 17,2 trln. so’mni shundan, yuridik mijozlar depozitlari 12,7 trln. so’mni tashkil qildi.

Pandemiya oqibatlarini yumshatish va bartaraf etish uchun aylanma mablag’ tanqisligiga duch kelgan tadbirkorlik sub'ektlarini moliyaviy qo’llab-quvvatlash maqsadida aylanma mablag’larni to’ldirish uchun 5,3 trln. so’m miqdorida kreditlar ajratildi va 210 ming ta mijozning 5,1 trln. so’m asosiy qarzi hamda 560,0 mlrd. so’m foiz to’lovlari muddatlari uzaytib berildi.

Hisobot yilida bank faoliyatining barcha yo’nalishlari tahlil qilinib tegishli hisobotlar eshitildi, bajarilgan ishlar taqdimotlari o’tkazildi.

2020 yil davomida bank tomonidan jami 885 ta loyihalar, shundan, hududlarni rivojlantirish dasturlariga muvofiq 514 ta hamda 25 ta yirik loyihalar moliyalashtirildi. Jumladan, Toshkent shahrida “Texnopark” MChJda maishiy uy-ro’zg’or texnikalari (muzlatkichlar, kondisionerlar, kir yuvish mashinalari, suv nasoslari va gaz xisoblagichlar) ishlab chiqarish yo’lga qo’yildi.




Navoiy viloyati G’ozg’on shahrida 37 gektar yer maydonida tabiiy toshlarni qazish va qayta ishlashga ixtisoslashgan “Marmarobod” yirik klaster loyihasi ishga tushirildi.





Qoraqalpog’iston Respublikasi Shumanay tumanida yillik quvvati 6800 tn bo’lgan “Shomanay Eco Teks” MChJ hamda Jizzax viloyati Zomin tumanida yillik quvvati 5000 tn bo’lgan “Ostex Jizzakh” MChJ QK yirik zamonaviy ip-yigiruv korxonalari ishga tushirildi.







"O’zbekiston Temir yo’llari" aksiyadorlik jamiyatining Toshkent shaxrida yer usti halqa metro liniyasining birinchi bosqichi bo’lgan «Do’stlik-2 – Qo’yliq» yo’nalishi qurib bitkazildi. Metroning ushbu uchastkasida 7 ta bekat barpo etilgan. Yangi yo’nalishning uzunligi 11,5 kilometr.




Sirdaryo viloyati Oqoltin tumanida “Sub-dry” jamiyatining qishloq xo’jalik mahsulotlarini sublimasiya yo’li bilan quritishni tashkil qilish loyihasi.




Yig’ilishda bankni 2021 yilda strategik rivojlantirish bo’yicha belgilangan istiqbolli rejalarga alohida to’xtalib o’tildi.

2021 yil uchun belgilab olingan rejalarga muvofiq yil yakuniga qadar “O’zmilliybank” AJning umumiy aktivlari hajmini 91,7 trln. so’mga va bankning kredit portfelini 77,1 trln. so’mga hamda jami yuridik va jismoniy shaxslarning depozitlari qoldig’i 17,8 trln. so’mga yetkaziladi.

Iqtisodiyotni rivojlantirish, tadbirkorlikni qo’llab quvvatlash, samarali loyihalarni moliyalashtirish maqsadida, 2021 yilda bank tomonidan jami 540 ta loyihaga 16,5 trln. so’m kreditlar ajratiladi.

Bunda, 27 ta yirik loyihaga – 8,8 trln. so’m, hududlarni rivojlantirish dasturlaridagi 371 ta loyihaga – 6,5 trln. so’m va boshqa yo’nalishlardagi 142 ta loyihaga – 1,2 trln. so’m bank kreditlari ajratiladi. Jumladan,

Aholi punktlariga aloqa xizmatlarini yetkazish va ijtimoiy ob'ektlarni global internet xizmatlari bilan ta'minlash maqsadida “Universal Mobile Sistem” jamiyati loyihasi;

Termiz halqaro aeroportini rekonstruksiya qilish loyihasi;

Jizzax viloyati Forish tumanida qo’rg’oshin va sink zahiralariga ega “Uch quloch” ruda konini o’zlashtirish loyihasi;

Nurafshon shaxrida “Nurafshon maxsus texnika” jamiyatida maxsus va xalq xo’jaligi uchun maxsus texnikalarni ishlab chiqarish loyihasi;

“Oxangaronsement” jamiyati tarkibida qurilish materiallari ishlab chiqarish bo’yicha sanoat klasterini yaratish loyihasi va boshqalar.

Yig’ilishda Bankning respublika apparatidagi tarkibiy tuzilmalari rahbarlariga filiallar xodimlari malakasini oshirish, yosh kadrlarni qayta tayyorlash, “maxallabay” o’rganishlarni olib borish tartiblarini o’rgatish maqsadida, o’quv uslubiy seminarlari, vebinarlar o’tkazish reja grafiklarini ishlab chiqish hamda ularni sifatli tashkil qilish topshiriqlari berildi.

Bank filiallari boshqaruvchilari va Bosh ofisdagi tarkibiy tuzilmalari rahbarlariga 2021 yil uchun belgilab olingan vazifalar ijrosini ta'minlash, mijozlarga sifatli bank xizmatlarini taqdim qilish ishlarini amaldagi qonunchilik hujjatlariga to’liq rioya qilgan holda olib borish bo’yicha ko’rsatmalar berildi.





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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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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • 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
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
  • NBFAUZ2X
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- 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.
Penalty-free early repayment of the loan is permitted
The period of registration of the company at the time of filing the application must be more than 6 months.
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.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
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.
Penalty-free early repayment of the loan is permitted
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.
The period of registration of the company must exceed 1 year
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- 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.

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