{"id":5897,"date":"2026-02-03T13:45:32","date_gmt":"2026-02-03T08:45:32","guid":{"rendered":"https:\/\/invexi.org\/?p=5897"},"modified":"2026-02-03T13:45:52","modified_gmt":"2026-02-03T08:45:52","slug":"central-bank-of-uzbekistan-2025-outcomes-7-7-economic-growth-with-inflation-easing-to-7-3","status":"publish","type":"post","link":"https:\/\/invexi.org\/uz\/press\/central-bank-of-uzbekistan-2025-outcomes-7-7-economic-growth-with-inflation-easing-to-7-3\/","title":{"rendered":"O\u2018zbekiston Markaziy banki: 2025-yil yakunlari \u2013 inflatsiya 7,3 foizgacha pasaygan holda iqtisodiyotning 7,7 foizga o\u2018sishi"},"content":{"rendered":"<p><\/p>\n<p data-path-to-node=\"3\"><em><strong>Markaziy bankning 2025-yilgi statistik byulleteniga ko\u2018ra, O\u2018zbekiston iqtisodiyoti 7,7 foiz darajasida barqaror o\u2018sishni namoyish etdi, yillik inflatsiya esa 9,8 foizdan 7,3 foizgacha sekinlashdi. Bu regulyatorning pul-kredit siyosati samaradorligidan dalolat beradi.<\/strong><\/em><\/p>\n<p data-path-to-node=\"4\"><strong>O\u2018zbekiston Respublikasi Markaziy banki 2025-yil uchun statistik byulletenni e\u2019lon qildi. Unda mamlakat iqtisodiyoti, pul-kredit sohasi, bank tizimi, moliya va to\u2018lov tizimlarining holati kompleks tahlil qilingan. Hujjat oltita asosiy yo\u2018nalishni qamrab oladi: makroiqtisodiy ko\u2018rsatkichlar, pul-kredit indikatorlari, Markaziy bankning monetar siyosati vositalari, moliya bozorlari, kredit tashkilotlari faoliyati va to\u2018lov tizimlari ko\u2018rsatkichlari.<\/strong><\/p>\n<h3 data-path-to-node=\"5\">I. Makroiqtisodiy ko\u2018rsatkichlar: iqtisodiyotning barqaror o\u2018sishi<\/h3>\n<p data-path-to-node=\"6\"><b data-path-to-node=\"6\" data-index-in-node=\"0\">YaIM o\u2018sishi va tarmoqlar tarkibi<\/b> Milliy statistika qo\u2018mitasining dastlabki ma\u2019lumotlariga ko\u2018ra, 2025-yilda O\u2018zbekiston yalpi ichki mahsuloti (YaIM) 2024-yilning mos davriga nisbatan real ifodada 7,7 foizga o\u2018sdi (o\u2018shanda o\u2018sish sur\u2019ati 7,3 foizni tashkil etgan edi). Bu ijobiy dinamika va makroiqtisodiy barqarorlik saqlanib qolayotganini ko\u2018rsatadi. 2025-yil yakunlari bo\u2018yicha iqtisodiyot tarkibi quyidagi ko\u2018rsatkichlar bilan xarakterlanadi:<\/p>\n<ul data-path-to-node=\"7\">\n<li>\n<p data-path-to-node=\"7,0,0\"><b data-path-to-node=\"7,0,0\" data-index-in-node=\"0\">Xizmat ko\u2018rsatish sohasi:<\/b> YaIMning 46,5 foizi (2024-yilda \u2013 46,3%)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,0\"><b data-path-to-node=\"7,1,0\" data-index-in-node=\"0\">Sanoat:<\/b> YaIMning 25,6 foizi (2024-yilda \u2013 25,0%)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,2,0\"><b data-path-to-node=\"7,2,0\" data-index-in-node=\"0\">Qishloq xo\u2018jaligi:<\/b> YaIMning 17,7 foizi (2024-yilda \u2013 16,6%)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,3,0\"><b data-path-to-node=\"7,3,0\" data-index-in-node=\"0\">Qurilish:<\/b> YaIMning 7,0 foizi (o\u2018zgarishsiz)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,4,0\"><b data-path-to-node=\"7,4,0\" data-index-in-node=\"0\">Mahsulotlarga sof soliqlar:<\/b> YaIMning 4,4 foizi (2024-yilda \u2013 3,9%) YaIM o\u2018sishiga eng katta hissani xizmat ko\u2018rsatish sohasi (taxminan 4,0 foiz bandi) va sanoat (taxminan 1,7 f.b.) qo\u2018shdi, bu esa iqtisodiyotning asta-sekin xizmat ko\u2018rsatish va qayta ishlash sohalari tomon siljishini aks ettiradi.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"8\"><b data-path-to-node=\"8\" data-index-in-node=\"0\">Inflatsiya jarayonlari: maqsadli ko\u2018rsatkichlarga erishish<\/b> Iste\u2019mol narxlari indeksi (INI) 2025-yil dekabr yakunlari bo\u2018yicha yillik ifodada 7,3 foizni tashkil etdi. Bu 2024-yil dekabriga (9,8%) nisbatan inflatsiya jarayonlarining sezilarli darajada sekinlashganini ko\u2018rsatadi. Mazkur holat Markaziy bank tomonidan yuritilayotgan antiinflatsion siyosatning natijasidir. 2025-yil davomida INI dinamikasi:<\/p>\n<ul data-path-to-node=\"9\">\n<li>\n<p data-path-to-node=\"9,0,0\"><b data-path-to-node=\"9,0,0\" data-index-in-node=\"0\">2025-yil yanvar:<\/b> 9,9% (yilga nisbatan)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,1,0\"><b data-path-to-node=\"9,1,0\" data-index-in-node=\"0\">2025-yil mart:<\/b> 10,3%<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,2,0\"><b data-path-to-node=\"9,2,0\" data-index-in-node=\"0\">2025-yil iyun:<\/b> 8,7%<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,3,0\"><b data-path-to-node=\"9,3,0\" data-index-in-node=\"0\">2025-yil sentyabr:<\/b> 8,0%<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,4,0\"><b data-path-to-node=\"9,4,0\" data-index-in-node=\"0\">2025-yil noyabr:<\/b> 7,5%<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,5,0\"><b data-path-to-node=\"9,5,0\" data-index-in-node=\"0\">2025-yil dekabr:<\/b> 7,3% Inflatsiyaning sekinlashishi barcha asosiy komponentlarda kuzatildi, bu esa dezinflatsiya jarayonlarining barqarorligini tasdiqlaydi. Baza inflatsiya ham (ma\u2019muriy tartibga solinadigan narxlar va o\u2018zgaruvchan komponentlarni istisno qilganda) yil davomida pasayish tendensiyasini namoyish etdi.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">Xalqaro rezervlar va to\u2018lov balansi<\/b> Markaziy bank valyuta barqarorligini ta\u2019minlash va mamlakatning tashqi majburiyatlarini bajarish uchun yetarli darajada xalqaro rezervlarni saqlab kelmoqda. To\u2018lov balansi O\u2018zbekistonning xalqaro savdodagi faol ishtirokini va xorijiy investitsiyalar jalb qilinishini aks ettiradi.<\/p>\n<h3 data-path-to-node=\"11\">II. Pul-kredit ko\u2018rsatkichlari: pul massasining sezilarli kengayishi<\/h3>\n<p data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">Pul agregatlari<\/b> Keng ma\u2019nodagi pul massasi (M2) 2026-yil 1-yanvar holatiga ko\u2018ra 378 579,7 mlrd so\u2018mni (1 AQSH dollari uchun 12 574,55 so\u2018m o\u2018rtacha kurs bo\u2018yicha 30,1 mlrd dollar) tashkil etdi. Bu 2025-yil boshiga (277 064,6 mlrd so\u2018m \/ 22,0 mlrd dollar) nisbatan 36,6 foizga ko\u2018pdir. Pul massasining o\u2018sishi, Markaziy bank nazorati saqlangan holda, o\u2018sib borayotgan iqtisodiyot ehtiyojlariga mos keldi. M2 pul agregati tarkibiga quyidagilar kiradi:<\/p>\n<ul data-path-to-node=\"13\">\n<li>\n<p data-path-to-node=\"13,0,0\">Muomaladagi naqd pullar (M0)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"13,1,0\">Milliy valyutadagi talab qilib olinguncha depozitlar<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"13,2,0\">Milliy valyutadagi muddatli depozitlar<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"13,3,0\">Chet el valyutasidagi depozitlar Depozit tashkilotlari (bank tizimi) sharhi moliyaviy vositachilikning mustahkamlanishi va moliyaviy barqarorlik saqlangan holda kredit faolligining kengayishidan dalolat beradi.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"14\">III. Markaziy bankning pul-kredit siyosati: izchil qat\u2019iylashtirish<\/h3>\n<p data-path-to-node=\"15\"><b data-path-to-node=\"15\" data-index-in-node=\"0\">Asosiy foiz stavkasi<\/b> 2025-yil 24-martdan boshlab Markaziy bank asosiy stavkani yillik 14,0 foiz darajasida belgiladi va uni avvalgi 13,5 foizdan oshirdi. Ushbu qaror inflatsiyaviy bosimni jilovlash va inflatsiyani maqsadli ko\u2018rsatkichga qaytarish maqsadida qabul qilindi. Asosiy stavka tijorat banklari uchun qarz mablag\u2018lari qiymatini belgilovchi va mos ravishda iqtisodiyotdagi foiz stavkalariga ta\u2019sir ko\u2018rsatuvchi pul-kredit siyosatining asosiy vositasidir.<\/p>\n<p data-path-to-node=\"16\"><b data-path-to-node=\"16\" data-index-in-node=\"0\">Majburiy rezervlar<\/b> Markaziy bank jalb qilingan mablag\u2018lar turi va valyutasiga qarab, 2025-yil 1-apreldan kuchga kirgan tabaqalashtirilgan majburiy rezervlar me\u2019yorlarini qo\u2018llamoqda. Majburiy rezervlar tizimi bank tizimi likvidligini tartibga solish vositasi bo\u2018lib xizmat qiladi.<\/p>\n<p data-path-to-node=\"17\"><b data-path-to-node=\"17\" data-index-in-node=\"0\">Ochiq bozordagi operatsiyalar<\/b> Markaziy bank likvidlikni boshqarish vositalaridan faol foydalandi. 2025-yilda yillik 14,0 foiz o\u2018rtacha tortilgan stavka bilan 488,5 trln so\u2018mlik (38,8 mlrd dollar) Markaziy bank obligatsiyalari joylashtirildi. Joylashtirishning eng katta hajmi yilning oxirgi choragiga to\u2018g\u2018ri keldi. Tijorat banklari ortiqcha likvidlikni Markaziy bankka ouyernayt (overnight) depozitlar orqali faol joylashtirdilar. Markaziy bank bank tizimidagi ortiqcha likvidlikni sterillash maqsadida muntazam ravishda 7 kunlik depozit auksionlarini o\u2018tkazib, foiz stavkalarini asosiy stavka atrofida saqlab turdi.<\/p>\n<h3 data-path-to-node=\"18\">IV. Moliya bozorlari: infratuzilmani rivojlantirish<\/h3>\n<p data-path-to-node=\"19\"><b data-path-to-node=\"19\" data-index-in-node=\"0\">Banklararo pul bozori<\/b> Milliy valyutadagi banklararo operatsiyalar barqaror rivojlanishni ko\u2018rsatdi. Banklararo depozitlar va REPO bitimlari hajmi bank tizimi ishtirokchilari o\u2018rtasida likvidlikning samarali qayta taqsimlanishini aks ettiradi.<\/p>\n<p data-path-to-node=\"20\"><b data-path-to-node=\"20\" data-index-in-node=\"0\">Valyuta bozori<\/b> O\u2018zbekiston Respublika valyuta birjasida savdolarning sezilarli hajmi kuzatildi. Tijorat banklari aholi va biznesning konversiya operatsiyalariga bo\u2018lgan ehtiyojlarini ta\u2019minlab, valyuta bozorining likvidligini qo\u2018llab-quvvatladilar.<\/p>\n<h3 data-path-to-node=\"21\">V. Bank tizimi: faoliyat ko\u2018lamining o\u2018sishi va barqarorlikning mustahkamlanishi<\/h3>\n<p data-path-to-node=\"22\"><b data-path-to-node=\"22\" data-index-in-node=\"0\">Bank sektori tarkibi<\/b> 2026-yil boshiga ko\u2018ra, O\u2018zbekistonda iqtisodiyot va aholi ehtiyojlariga xizmat ko\u2018rsatuvchi, rivojlangan filiallar tarmog\u2018iga ega 35 ta tijorat banki faoliyat ko\u2018rsatdi.<\/p>\n<p data-path-to-node=\"23\"><b data-path-to-node=\"23\" data-index-in-node=\"0\">Bank tizimi aktivlari<\/b> Tijorat banklarining jami aktivlari 2026-yil 1-yanvar holatiga ko\u2018ra 924 763,1 mlrd so\u2018mga ($73,5 mlrd) yetdi va bir yil davomida 20,2 foizga (2025-yil 1-yanvarda 769 330,4 mlrd so\u2018m \/ $61,2 mlrd bo\u2018lgan) o\u2018sdi. Aktivlar tarkibi (2026-yil 1-yanvar holatiga):<\/p>\n<ul data-path-to-node=\"24\">\n<li>\n<p data-path-to-node=\"24,0,0\"><b data-path-to-node=\"24,0,0\" data-index-in-node=\"0\">Kredit qo\u2018yilmalari (netto):<\/b> 587 038,9 mlrd so\u2018m (aktivlarning 63,5 foizi) \u2013 $46,7 mlrd<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,1,0\"><b data-path-to-node=\"24,1,0\" data-index-in-node=\"0\">Investitsiyalar va qimmatli qog\u2018ozlar:<\/b> 102 978,8 mlrd so\u2018m (11,1%) \u2013 $8,2 mlrd<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,2,0\"><b data-path-to-node=\"24,2,0\" data-index-in-node=\"0\">Boshqa norezident banklardagi mablag\u2018lar:<\/b> 51 737,6 mlrd so\u2018m (5,6%) \u2013 $4,1 mlrd<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,3,0\"><b data-path-to-node=\"24,3,0\" data-index-in-node=\"0\">Markaziy bankdagi mablag\u2018lar:<\/b> 43 925,0 mlrd so\u2018m (4,7%) \u2013 $3,5 mlrd<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,4,0\"><b data-path-to-node=\"24,4,0\" data-index-in-node=\"0\">Asosiy vositalar:<\/b> 29 894,0 mlrd so\u2018m (3,2%) \u2013 $2,4 mlrd<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,5,0\"><b data-path-to-node=\"24,5,0\" data-index-in-node=\"0\">Boshqa aktivlar:<\/b> 108 189,8 mlrd so\u2018m (11,7%) \u2013 $8,6 mlrd<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"25\"><b data-path-to-node=\"25\" data-index-in-node=\"0\">Kredit portfeli<\/b> Banklarning jami kredit portfeli (netto) 2026-yil 1-yanvar holatiga ko\u2018ra 587 038,9 mlrd so\u2018mni ($46,7 mlrd) tashkil etib, yil davomida 14,1 foizga (514 692,6 mlrd so\u2018mdan) oshdi. Uzoq muddatli kreditlar portfelning asosiy qismini tashkil etadi, bu esa bank moliyalashtirishi investitsiya loyihalarini qo\u2018llab-quvvatlashga yo\u2018naltirilganligidan dalolat beradi.<\/p>\n<p data-path-to-node=\"26\"><b data-path-to-node=\"26\" data-index-in-node=\"0\">Jalb qilingan mablag\u2018lar (depozitlar)<\/b> Bank tizimidagi mijozlar depozitlari 2026-yil 1-yanvar holatiga ko\u2018ra 417 258,2 mlrd so\u2018mni ($33,2 mlrd) tashkil etib, yil davomida 35,2 foizga (308 692,3 mlrd so\u2018mdan) o\u2018sdi. Depozitlar o\u2018sishi aholi va biznesning bank tizimiga ishonchi ortganini, shuningdek, jozibador foiz stavkalari sharoitida jamg\u2018arish jarayonlari faollashganini ko\u2018rsatadi.<\/p>\n<p data-path-to-node=\"27\"><b data-path-to-node=\"27\" data-index-in-node=\"0\">Banklar kapitali<\/b> Bank tizimining jami kapitali 2026-yil 1-yanvar holatiga ko\u2018ra 135 339,1 mlrd so\u2018mga ($10,8 mlrd) yetdi va yil davomida 17,9 foizga (114 792,4 mlrd so\u2018mdan) oshdi. Kapital tarkibi (2026-yil 1-yanvar holatiga):<\/p>\n<ul data-path-to-node=\"28\">\n<li>\n<p data-path-to-node=\"28,0,0\"><b data-path-to-node=\"28,0,0\" data-index-in-node=\"0\">Ustav kapitali:<\/b> 94 403,6 mlrd so\u2018m (69,8%)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"28,1,0\"><b data-path-to-node=\"28,1,0\" data-index-in-node=\"0\">Taqsimlanmagan foyda:<\/b> 24 628,9 mlrd so\u2018m (18,2%)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"28,2,0\"><b data-path-to-node=\"28,2,0\" data-index-in-node=\"0\">Rezerv kapitali:<\/b> 14 842,8 mlrd so\u2018m (11,0%)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"28,3,0\"><b data-path-to-node=\"28,3,0\" data-index-in-node=\"0\">Qo\u2018shimcha kapital:<\/b> 1 463,7 mlrd so\u2018m (1,1%)<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"29\"><b data-path-to-node=\"29\" data-index-in-node=\"0\">Moliyaviy barqarorlik ko\u2018rsatkichlari<\/b> Bank tizimi 2025-yil davomida moliyaviy barqarorlikning yuqori ko\u2018rsatkichlarini namoyish etdi: <i data-path-to-node=\"29\" data-index-in-node=\"134\">Kapital monandligi (2025-yil dekabr holatiga):<\/i><\/p>\n<ul data-path-to-node=\"30\">\n<li>\n<p data-path-to-node=\"30,0,0\">Regulyativ kapitalning xavfga tortilgan aktivlarga nisbati me\u2019yori: 18,3% (minimal 12% bo\u2018lganda)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,1,0\">Birinchi darajali kapitalning xavfga tortilgan aktivlarga nisbati me\u2019yori: 15,2% (minimal 8% bo\u2018lganda)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,2,0\">Birinchi darajali bazaviy kapital me\u2019yori: 14,7% (minimal 6% bo\u2018lganda) <i data-path-to-node=\"30,2,0\" data-index-in-node=\"72\">Aktivlar sifati:<\/i><\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,3,0\">Muammoli kreditlar (NPL) ulushi jami kredit portfelida: 2025-yil dekabrda 4,1% (2025-yil yanvardagi 4,4% dan pasayish) <i data-path-to-node=\"30,3,0\" data-index-in-node=\"119\">Rentabellik:<\/i><\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,4,0\">Aktivlar rentabelligi (ROA) 2026-yil 1-yanvar holatiga: yillik 2,2%<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,5,0\">Kapital rentabelligi (ROE): yillik 12,4%<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"30,6,0\">Aktivlarga nisbatan sof foizli marja: 4,1%<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"31\"><b data-path-to-node=\"31\" data-index-in-node=\"0\">Foiz stavkalari<\/b> Milliy valyutadagi kreditlar bo\u2018yicha o\u2018rtacha tortilgan foiz stavkalari (2025-yil dekabr):<\/p>\n<ul data-path-to-node=\"32\">\n<li>\n<p data-path-to-node=\"32,0,0\">Tadbirkorlik subyektlariga kreditlar: yillik 23,2%<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"32,1,0\">Aholiga kreditlar: yillik 22,5% Milliy valyutadagi depozitlar bo\u2018yicha o\u2018rtacha tortilgan foiz stavkalari (2025-yil dekabr):<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"32,2,0\">Jismoniy shaxslarning muddatli depozitlari: yillik 20,6%<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"32,3,0\">Yuridik shaxslarning muddatli depozitlari: yillik 16,4% Chet el valyutasidagi operatsiyalar bo\u2018yicha foiz stavkalari milliy valyutadagiga qaraganda sezilarli darajada past bo\u2018lib qoldi, bu inflatsiya kutilmalari va valyuta xatarlaridagi farqlarni aks ettiradi.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"33\"><b data-path-to-node=\"33\" data-index-in-node=\"0\">Ustuvor segmentlarni kreditlash<\/b> Banklar kichik va o\u2018rta biznes, oilaviy tadbirkorlik va aholini faol kreditladilar. Kichik va o\u2018rta tadbirkorlik subyektlariga, shuningdek, aholiga tadbirkorlik faoliyatini amalga oshirish uchun berilgan kreditlar barqaror o\u2018sishni ko\u2018rsatdi. Aholini ipoteka bilan ta\u2019minlash jadal sur\u2019atlarda rivojlandi. Davlat kafolatlari ostida kreditlar taqdim etish orqali davlat tomonidan qo\u2018llab-quvvatlash dasturlari biznesning moliyalashtirishdan foydalanish imkoniyatini kengaytirdi.<\/p>\n<p data-path-to-node=\"34\"><b data-path-to-node=\"34\" data-index-in-node=\"0\">Mikromoliya tashkilotlari va lombardlar<\/b> Mikromoliya tashkilotlari va lombardlar, ayniqsa banklar ishtiroki cheklangan hududlarda mikrokreditlar va aholi uchun moliyaviy xizmatlar ochiqligini ta\u2019minlashda muhim rol o\u2018ynashda davom etdi.<\/p>\n<h3 data-path-to-node=\"35\">VI. To\u2018lov tizimlari: raqamlashtirish va naqd pulsiz operatsiyalar o\u2018sishi<\/h3>\n<p data-path-to-node=\"36\"><b data-path-to-node=\"36\" data-index-in-node=\"0\">Banklararo to\u2018lov tizimi<\/b> 2025-yilda banklararo to\u2018lov tizimi orqali hisob-kitoblar hajmi 11 374,8 mlrd so\u2018mni ($904 mlrd) tashkil etdi, bu 2024-yil ko\u2018rsatkichidan (7 279,1 mlrd so\u2018m \/ $579 mlrd) 56,3 foizga ko\u2018pdir. Operatsiyalar soni: 2025-yilda 47,2 mln tranzaksiya (2024-yildagi 49,2 mln tranzaksiyaga nisbatan).<\/p>\n<p data-path-to-node=\"37\"><b data-path-to-node=\"37\" data-index-in-node=\"0\">Markaziy bankning kliring tizimi<\/b> Markaziy bankning hisob-kitob kliring tizimi orqali 2025-yilda quyidagilar qayta ishlandi:<\/p>\n<ul data-path-to-node=\"38\">\n<li>\n<p data-path-to-node=\"38,0,0\">143,5 mln tranzaksiya (2024-yildagi 123,2 mlndan 16,6 foizga o\u2018sish)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"38,1,0\">Operatsiyalar summasi: 126,4 mlrd so\u2018m ($10,1 mlrd), 2024-yildagi 100,3 mlrd so\u2018mdan ($8,0 mlrd) 26,1 foizga o\u2018sish.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"39\"><b data-path-to-node=\"39\" data-index-in-node=\"0\">Tezkor to\u2018lovlar tizimi<\/b> Markaziy bankning tezkor to\u2018lovlar tizimi jadal rivojlanib, jismoniy shaxslarning hisobvaraqlari o\u2018rtasida 24\/7 rejimida oniy o\u2018tkazmalarni ta\u2019minladi.<\/p>\n<p data-path-to-node=\"40\"><b data-path-to-node=\"40\" data-index-in-node=\"0\">Naqd pulsiz to\u2018lov vositalari<\/b> Naqd pulsiz to\u2018lovlar infratuzilmasi rivojlanishda davom etdi. Muomalaga chiqarilgan bank to\u2018lov kartalari soni oshdi, to\u2018lov terminallari va bankomatlar tarmog\u2018i kengaydi, to\u2018lov terminallari orqali amalga oshirilgan operatsiyalar hajmi ko\u2018paydi.<\/p>\n<p data-path-to-node=\"41\"><b data-path-to-node=\"41\" data-index-in-node=\"0\">Masofaviy bank xizmatlari<\/b> Masofaviy bank xizmatlaridan (mobil ilovalar va internet-banking) foydalanuvchilar soni o\u2018sishda davom etdi, bu mijozlarning onlayn kanallarga bo\u2018lgan qiziqishi ortganini aks ettiradi.<\/p>\n<p data-path-to-node=\"42\"><b data-path-to-node=\"42\" data-index-in-node=\"0\">To\u2018lov infratuzilmasini tartibga solish<\/b> Markaziy bank to\u2018lov tizimlari operatorlari, to\u2018lov tashkilotlari va elektron pullar tizimlarining dolzarb reestrlarini yuritib, mamlakat to\u2018lov infratuzilmasining shaffofligi, xavfsizligi va samarali nazoratini ta\u2019minlamoqda.<\/p>\n<h3 data-path-to-node=\"43\">Yakun<\/h3>\n<p data-path-to-node=\"44\">Markaziy bankning 2025-yil uchun statistik byulleteni O\u2018zbekiston moliya sektorining barqaror iqtisodiy o\u2018sish fonida ijobiy rivojlanish dinamikasini namoyish etadi:<\/p>\n<ul>\n<li data-path-to-node=\"44\">Iqtisodiyot <b data-path-to-node=\"44\" data-index-in-node=\"180\">7,7 foizga<\/b> o\u2018sib, yuqori rivojlanish sur\u2019atlarini saqlab qoldi<\/li>\n<li data-path-to-node=\"44\">Inflatsiya <b data-path-to-node=\"44\" data-index-in-node=\"256\">7,3 foizgacha<\/b> sekinlashib, maqsadli ko\u2018rsatkichlarga yaqinlashdi<\/li>\n<li data-path-to-node=\"44\">M2 pul massasi <b data-path-to-node=\"44\" data-index-in-node=\"338\">36,6 foizga<\/b>, ya\u2019ni <b data-path-to-node=\"44\" data-index-in-node=\"357\">378,6 trln so\u2018mga<\/b> ($30,1 mlrd) o\u2018sdi<\/li>\n<li data-path-to-node=\"44\">Bank tizimi aktivlari <b data-path-to-node=\"44\" data-index-in-node=\"418\">20,2 foizga<\/b>, <b data-path-to-node=\"44\" data-index-in-node=\"431\">924,8 trln so\u2018mga<\/b> ($73,5 mlrd) oshdi<\/li>\n<li data-path-to-node=\"44\">Kredit portfeli <b data-path-to-node=\"44\" data-index-in-node=\"486\">14,1 foizga<\/b>, <b data-path-to-node=\"44\" data-index-in-node=\"499\">587,0 trln so\u2018mga<\/b> ($46,7 mlrd) o\u2018sdi<\/li>\n<li data-path-to-node=\"44\">Depozitlar <b data-path-to-node=\"44\" data-index-in-node=\"549\">35,2 foizga<\/b>, <b data-path-to-node=\"44\" data-index-in-node=\"562\">417,3 trln so\u2018mga<\/b> ($33,2 mlrd) ko\u2018paydi<\/li>\n<li data-path-to-node=\"44\">Banklar kapitali <b data-path-to-node=\"44\" data-index-in-node=\"621\">17,9 foizga<\/b>, <b data-path-to-node=\"44\" data-index-in-node=\"634\">135,3 trln so\u2018mga<\/b> ($10,8 mlrd) o\u2018sdi<\/li>\n<li data-path-to-node=\"44\">Banklar kapitalining monandlik ko\u2018rsatkichlari yuqori darajada (<b data-path-to-node=\"44\" data-index-in-node=\"737\">18,3%<\/b>) saqlanib qolmoqda<\/li>\n<li data-path-to-node=\"44\">To\u2018lov tizimlari <b data-path-to-node=\"44\" data-index-in-node=\"781\">56,3 foizga<\/b> ko\u2018proq operatsiyalarni qayta ishladi.<\/li>\n<\/ul>\n<p data-path-to-node=\"45\"><strong>Markaziy bank tomonidan yuritilayotgan pul-kredit siyosati iqtisodiy o\u2018sishni qo\u2018llab-quvvatlash va inflatsiyani jilovlash o\u2018rtasidagi muvozanatni ta\u2019minladi. Bank tizimi o\u2018z pozitsiyalarini mustahkamlab, moliyaviy barqarorlikning yuqori standartlarini saqlagan holda faoliyat ko\u2018lamini kengaytirdi. To\u2018lov infratuzilmasining rivojlanishi moliyaviy xizmatlarni raqamlashtirish va moliyaviy ommaboplikni oshirishga xizmat qildi.<\/strong><\/p>\n<hr \/>\n<p data-path-to-node=\"46\"><b data-path-to-node=\"46\" data-index-in-node=\"0\">Eslatma:<\/b> <em>Barcha AQSH dollaridagi ekvivalentlar 1 dollar uchun 12 574,55 so\u2018m kursi bo\u2018yicha hisoblangan bo\u2018lib, bu Markaziy bankning 2025-yildagi rasmiy kurslarining o\u2018rtacha qiymatidir.<\/em><\/p>\n<p data-path-to-node=\"47\"><b data-path-to-node=\"47\" data-index-in-node=\"0\">Manba:<\/b> <a href=\"https:\/\/cbu.uz\/upload\/medialibrary\/b2f\/3yi0t46xn18o2xhigpjfveku2jscf702\/MB-Statistik-byulleteni-_-2025-yil.pdf\" target=\"_blank\" rel=\"noopener\">O\u2018zbekiston Respublikasi Markaziy banki, 2025-yil uchun statistik byulleten<\/a><\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Markaziy bankning 2025-yilgi statistik byulleteniga ko\u2018ra, O\u2018zbekiston iqtisodiyoti 7,7 foiz darajasida barqaror o\u2018sishni namoyish etdi, yillik inflatsiya esa 9,8 foizdan 7,3 foizgacha sekinlashdi. Bu regulyatorning pul-kredit siyosati samaradorligidan dalolat beradi.<\/p>\n","protected":false},"author":1,"featured_media":5901,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-5897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/5897","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/comments?post=5897"}],"version-history":[{"count":7,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/5897\/revisions"}],"predecessor-version":[{"id":5905,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/5897\/revisions\/5905"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/media\/5901"}],"wp:attachment":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/media?parent=5897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/categories?post=5897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/tags?post=5897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}