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O'zbekiston banklarining aktivlari 29,540 trln. so'mdan oshdi

25.04.2012 2921

Respublika Markaziy bankida bank tizimining 2012 yilning I choragidagi faoliyati yakunlari muhokamasiga bag'ishlangan kengaytirilgan Boshqaruv majlisi bo'lib o'tdi.
Majlisni O'zbekiston Respublikasi Markaziy banki raisi F.Mullajonov boshqardi.
Qayd etildiki, hisobot davrida Markaziy bankning Pul-kredit siyosati 2012 yil uchun mo'ljallangan makroiqtisodiy ko'rsatkichlarning bajarilishiga, O'zbekiston Respublikasi Prezidentining bank tizimini yanada isloh qilish, barqarorligini oshirish hamda yuqori xalqaro reyting ko'rsatkichlariga erishishga qaratilgan farmon va qarorlari, shuningdek 2009-2012 yillarga mo'ljallangan Inqirozga qarshi choralar dasturida belgilangan vazifalarning so'zsiz bajarilishini ta'minlashga qaratildi.
2012 yilning I choragida mamlakatimiz bank tizimining likvidligini yanada mustahkamlash, uning barqarorligini kuchaytirish borasida katta ishlar amalga oshirildi.
Natijada, tijorat banklarining jami kapitali 2011 yilning shu davriga nisbatan 24,4 foiz oshib, 2012 yilning 1 aprel holatiga ko'ra 5 trln. 632 mlrd. so'mga etdi.
Banklarning kapitallashuvi darajasini yanada oshirish borasida amalga oshirilgan chora-tadbirlar natijasida bank tizimi kapitalining etarlilik darajasi koeffitsenti xalqaro qabul qilingan standartga nisbatan ancha yuqori bo'lishi ta'minlandi.
Bank aktivlari 2011 yilning shu davriga nisbatan 29 foiz o'sib, 29 trln. 540 mlrd. so'mdan oshib ketdi.
Yuqori xalqaro reyting ko'rsatkichlariga erishish borasida olib borilgan chora-tadbirlar natijasida 'Fitch Ratings', 'Moody's' va 'Standard & Poor's' kabi etakchi xalqaro reyting agentliklarining 'barqaror' reyting baholarini olgan tijorat banklarining soni 23 taga etdi.
Hisobot davrida banklar tomonidan 2012 yil uchun ustuvor vazifa qilib belgilangan mamlakatimiz iqtisodiyotining raqobatbardoshligini oshirish, yuqori texnologiyalarga asoslangan yangi korxona va ishlab chiqarish tarmoqlarini jadal rivojlanishini ta'minlashga qaratilgan keng ko'lamli chora-tadbirlar amalga oshirildi.
Xususan, 2012 yilning I choragida iqtisodiyotning real sektoriga yo'naltirilgan kreditlarning umumiy hajmi 32 foiz ko'payib, bugungi kunda ularning miqdori 17 trln. 102 mlrd. so'mga etdi.
Banklarning investitsiya maqsadlariga ajratilgan investitsion kreditlari miqdori ham o'tgan yilning shu davriga nisbatan 1,5 barobar oshib, joriy yilning 1 aprel holatiga ko'ra ularning miqdori 1 trln. 427 mlrd. so'mdan oshib ketdi.
'Mustahkam oila yili' Davlat dasturida belgilangan vazifalarning ijrosini ta'minlash borasida amalga oshirilgan keng ko'lamli chora-tadbirlar natijasida kichik biznes subektlariga ajratilgan kreditlar hajmi o'tgan yilning shu davriga nisbatan 1,4 barobar oshib, joriy yilning 1 aprel holatiga ko'ra 1 trln. 185 mlrd. so'mni tashkil etdi.
Jumladan, mikrokreditlar hajmi 238 mlrd. so'mni tashkil qilib, bu ko'rsatkich ham 2011 yilning I choragiga nisbatan 1,5 barobar ko'paydi.
Tijorat banklarining kapitallashuv darajasini yanada oshirish, ushbu sohaga xususiy kapitalni keng jalb qilish, resurs bazasini ko'paytirish borasida amalga oshirilayotgan ishlar natijasida banklarning jami depozitlari miqdori yildan yilga oshib bormoqda. Xususan, ushbu ko'rsatkich o'tgan yilning shu davriga nisbatan 30,5 foiz o'sib, bugungi kunda ularning miqdori 18 trln. 863 mlrd. so'mdan oshdi.
Aholi va xo'jalik subyektlarining bo'sh pul mablag'larini kredit tashkilotlarining depozitlariga jalb qilishni rag'batlantirish choralari ko'rilayotgani, qulay omonat turlari taklif etilayotgani, ularning banklardagi jamg'armalari qonun bilan kafolatlangani va o'z vaqtida qaytarilayotgani omonatlar miqdorining 2011 yilning shu davriga nisbatan 30,1 foiz oshib, hozirga kunda 6 trln. 264 mlrd. so'mga etishiga puxta zamin yaratdi. Bu fuqarolarimizning bank tizimiga bo'lgan yuksak ishonchidan dalolat beradi.
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 2012 yilning I yarim yilligida amalga oshirilishi lozim bo'lgan ustuvor vazifalar:
Xususan, banklarning kapitallashuv darajasini yanada oshirish, aholi va chet ellik investorlarning bank tizimiga bo'lgan ishonchini yanada mustahkamlash, iqtisodiyotdagi uzoq muddatli kredit qo'yilmalari ulushini yanada oshirish, etakchi xalqaro reyting kompaniyalari tomonidan qabul qilingan xalqaro me'yorlar, mezonlar va standartlarga asoslangan holda bank tizimini baholash ko'rsatkichlarining zamonaviy tizimini joriy etish borasida amalga oshirilishi lozim bo'lgan muhim vazifalar belgilab olindi.
Shuningdek, majlisda barcha tijorat banklari rahbarlari zimmasiga 'Mustahkam oila yili' Davlat dasturida belgilangan, kichik biznesni rivojlantirish uchun yanada qulay ishchan muhitni yaratish, birinchi navbatda, investitsiya maqsadlari uchun ajratilayotgan kreditlar hajmini oshirish, boshlang'ich kapitalni shakllantirish, mikrokreditlar ko'lamini kengaytirish borasidagi ishlarni faol davom ettirish vazifalari ham yuklatildi.
Majlisda muhokama etilgan barcha masalalar yuzasidan tegishli qarorlari qabul qilindi.




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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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