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O'zbekiston bank tizimining aktivlari 27,5 trln. so'mga yetdi

25.01.2012 3217

   Respublika Markaziy bankida bank tizimining 2011 yildagi faoliyati yakunlari hamda mamlakatimiz Prezidenti I.Karimov tomonidan Vazirlar Mahkamasining shu yil 19 yanvardagi majlisida belgilab berilgan 2012 yilda O'zbekistonni ijtimoiy-iqtisodiy rivojlantirishning ustuvor yo'nalishlarini so'zsiz amalga oshirilishini ta'minlashga doir vazifalarning ijrosiga bag'ishlangan kengaytirilgan Boshqaruv majlisi bo'lib o'tdi.
     Majlisni O'zbekiston Respublikasi Markaziy banki raisi Fayzulla Mullajonov boshqardi.
Qayd etildiki, 2011 yilda mamlakatimiz bank tizimini isloh qilishni yanada chuqurlashtirish, uning barqarorligi va likvidliligini mustahkamlashga qaratilgan aniq maqsadli chora-tadbirlar amalga oshirildi.
    Natijada oxirgi besh yil davomida mamlakatimiz bank sektori kapitalining etarlilik darajasi bank nazorati bo'yicha Bazel qo'mitasi tomonidan 8 foiz etib belgilangan xalqaro me'yordan 3 barobar ko'p bo'lgan darajani tashkil etdi.
Hisobot yilida tijorat banklarining jami kapitali o'tgan yilga nisbatan 30 foiz oshib, 2012 yilning 1 yanvar holatiga ko'ra 5,3 trln. so'mni tashkil etdi.
    Bank aktivlari 2010 yilga nisbatan 32,4 foiz o'sib, 27,5 trln. so'mga etdi.
   Bugungi kunda, mamlakatimiz bank tizimi xalqaro standartlarga to'liq javob beradigan eng barqaror tizim bo'lib qolmoqda.
   Buni 'Standard & Poor's', 'Moody's', 'Fitch ratings' kabi xalqaro reyting agentliklari tomonidan ikki yildan buyon O'zbekiston bank tizimiga muttasil ravishda 'barqaror' reyting darajasini bergani ham tasdiqlab turibdi.
Banklarning kredit portfeli tarkibi sifat jihatdan tubdan o'zgardi. Agar 2000 yilda kredit portfelining 54 foizi tashqi qarzlardan tarkib topgan bo'lsa, 2011 yilda uning 85,3 foizi ichki manbalar, ya'ni yuridik va jismoniy shaxslarning depozitlari hisobidan shakllantirildi.
   Tijorat banklarining investitsion faoliyati yildan-yilga ortmoqda. Ularning qo'yilmalarining 75 foizdan ortig'ini uch yildan ziyod bo'lgan uzoq muddatli investitsiya kreditlari tashkil etadi. Umuman, so'nggi o'n yilda tijorat banklari tomonidan iqtisodiyotning real sektorini kreditlash hajmi 7 barobardan oshdi.
   Xususan, 2011 yilda iqtisodiyotning real sektoriga yo'naltirilgan kreditlarning umumiy hajmi 35,6 foiz oshib, bugungi kunda ularning miqdori 15,6 trln. so'mga etdi.
   2011 yilda iqtisodiy nochor korxonalarni moliyaviy sog'lomlashtirish va boshqarish mexanizmlarini takomillashtirish borasida noan'anaviy yondashuvning amalga oshirilishi natijasida tijorat banklari balansiga qabul qilingan 164 ta iqtisodiy nochor korxonalarning 156 tasida ishlab chiqarish to'liq qayta tiklandi va ularning 110 tasi yangi strategik investorlarga sotildi. Bunday korxonalarni texnik qayta jihozlash va modernizatsiya qilish ishlariga tijorat banklari tomonidan 275 mlrd. so'm miqdorida investitsiya kiritildi, natijada 22 mingdan ziyod ish o'rinlari yaratildi.
Mazkur korxonalar tomonidan jami 1 trln. so'mdan ortiq mahsulotlar ishlab chiqarildi, shundan 320 mln. dollaridan ortig'i eksport qilindi.
   'Kichik biznes va xususiy tadbirkorlik yili' Davlat dasturi doirasida amalga oshirilgan keng ko'lamli chora-tadbirlar natijasida kichik biznes subektlariga ajratilgan kreditlar hajmi 2010 yilga nisbatan 1,5 barobar oshib, 2012 yilning 1 yanvar holatiga ko'ra 4,1 trln. so'mni tashkil etdi.
   Jumladan, mikrokreditlar hajmi 752,3 mlrd. so'mni tashkil qilib, bu ko'rsatkich ham o'tgan yilga nisbatan 1,5 barobar ko'pdir.
   Tijorat banklari tomonidan o'tgan yili xalqaro moliya institutlarining 143,4 mln. AQSH dollari miqdoridagi kredit liniyalari o'zlashtirildi. Ushbu ko'rsatkich ham o'tgan yilning shu davriga nisbatan 1,4 barobar oshdi.
Mazkur sohaga ajratilgan kreditlar hisobiga hududlarda 291 mingdan ortiq yangi ish o'rinlari yaratildi.
   Tijorat banklarining kapitallashuv darajasini yanada oshirish, ushbu sohaga xususiy kapitalni keng jalb qilish, resurs bazasini ko'paytirish borasida amalga oshirilayotgan ishlar banklarning jami depozitlari miqdori yildan yilga oshib borishini ta'minlamoqda. Xususan, ushbu ko'rsatkich o'tgan yilga nisbatan 36,3 foiz o'sib, bugungi kunda ularning miqdori 18 trln. so'mdan oshdi.
   Aholining bank tizimiga bo'lgan ishonchining tobora ortib borayotganligi, ularning banklardagi jamg'armalarining qonun bilan to'liq kafolatlanganligi va o'z vaqtida qaytarilayotgani omonatlar miqdorining o'tgan yilga nisbatan 38,8 foiz oshib, bugungi kunga kelib uning miqdorini 6,2 trln. so'mga etishiga puxta zamin yaratdi.
   Qishloq joylarda xususiy uy-joylar qurish bo'yicha keng ko'lamli dasturning hayotga tadbiq etilishi natijasida so'nggi ikki yil davomida 15 mingdan ziyod oila har tomonlama qulay yangi uy-joylarga ega bo'ldilar.
   'Qishloq qurilish bank'ning o'z mablag'lari va Osiyo taraqqiyot bankining zayom mablag'lari hisobidan namunaviy loyihalar asosida yakka tartibdagi uy-joylarni qurish uchun kreditlar qishloq aholisiga imtiyozli shartlarda, 15 yil muddatga yillik 7 foizli stavka bo'yicha berilmoqda. Bu esa, tijorat banklarining ipoteka kreditlari stavkasidan qariyb 2 barobar pastdir.
   Shu bilan birga, majlisda banklar tomonidan mijozlarga ko'rsatilayotgan xizmatlar ko'lamini kengaytirish va mijozlar ishonchini yanada oshirish borasidagi mavjud ichki imkoniyatlardan to'liq foydalanilmayotgan ayrim tijorat banklari faoliyati tanqid qilindi.
   Majlisda joriy yilda bank tizimida amalga oshirilishi lozim bo'lgan ustuvor vazifalar belgilab olindi.
Xususan, tijorat banklari rahbarlari zimmasiga mamlakatimiz Prezidenti tomonidan belgilab berilgan ustvor vazifalar, ya'ni banklarning kapitallashuv darajasini yanada oshirish, investitsion faolligini kuchaytirish, aholi va chet ellik investorlarning bank tizimiga bo'lgan ishonchini yanada mustahkamlash, etakchi xalqaro reyting kompaniyalari tomonidan qabul qilingan xalqaro me'yorlar, mezonlar va standartlarga asoslangan holda bank tizimini baholash ko'rsatkichlarining zamonaviy tizimini joriy etish borasidagi ishlarni og'ishmay davom ettirish vazifasi topshirildi.
   Shuningdek, barcha tijorat banklari rahbarlari zimmasiga 2012 yil - 'Mustahkam oila yili' munosabati bilan qabul qilinadigan Davlat Dasturida belgilangan vazifalarning og'ishmay bajarilishini ta'minlash vazifasi yuklatildi.
   Majlisda muhokama etilgan barcha masalalar yuzasidan tegishli qarorlar qabul qilindi.

UzReport 25.01.2012

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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
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  • 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.
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  • 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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