{"id":6551,"date":"2026-07-29T03:01:51","date_gmt":"2026-07-29T03:01:51","guid":{"rendered":"https:\/\/www.sutyo.com\/ozbekistan-bankacilik-sektoru-net-karda-ucte-iki-oraninda-artis-kaydetti\/"},"modified":"2026-07-29T03:01:51","modified_gmt":"2026-07-29T03:01:51","slug":"ozbekistan-bankacilik-sektoru-net-karda-ucte-iki-oraninda-artis-kaydetti","status":"publish","type":"post","link":"https:\/\/www.sutyo.com\/tr\/ozbekistan-bankacilik-sektoru-net-karda-ucte-iki-oraninda-artis-kaydetti\/","title":{"rendered":"\u00d6zbekistan Bankac\u0131l\u0131k Sekt\u00f6r\u00fc Net K\u00e2rda \u00dc\u00e7te \u0130ki Oran\u0131nda Art\u0131\u015f Kaydetti"},"content":{"rendered":"
\n

\u00d6zbekistan bankac\u0131l\u0131k sekt\u00f6r\u00fc, 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011finde k\u00e2rl\u0131l\u0131\u011f\u0131nda keskin bir art\u0131\u015f kaydetti ve net k\u00e2r, bir \u00f6nceki y\u0131la g\u00f6re yakla\u015f\u0131k \u00fc\u00e7te iki oran\u0131nda artarak 8,5 trilyon UZS’ye ula\u015ft\u0131.<\/p>\n

Bu bulgular, \u00d6zbekistan’da faaliyet g\u00f6steren 34 bankan\u0131n 1 Haziran itibariyle performans\u0131n\u0131 de\u011ferlendiren Ekonomik Ara\u015ft\u0131rma ve Reform Merkezi’nin (CERR) 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011fine ili\u015fkin Bankac\u0131l\u0131k Faaliyet Endeksi’nde yay\u0131nland\u0131.<\/p>\n

Rapor, kredi verenleri b\u00fcy\u00fck ve k\u00fc\u00e7\u00fck bankalar olarak ikiye ay\u0131r\u0131yor. CERR’in metodolojisine g\u00f6re, b\u00fcy\u00fck banka, varl\u0131klar\u0131n\u0131n bankac\u0131l\u0131k sisteminin toplam varl\u0131klar\u0131n\u0131n en az %1’ini olu\u015fturan ve \u00d6zbekistan’\u0131n b\u00f6lgelerinin en az \u00fc\u00e7te birinde \u015fube veya bankac\u0131l\u0131k hizmet ofisi i\u015fleten bankad\u0131r.<\/p>\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn varl\u0131klar\u0131, bir \u00f6nceki y\u0131la g\u00f6re %19 ve bir \u00f6nceki \u00e7eyre\u011fe g\u00f6re %5,6 artarak 984,4 trilyon som’a ula\u015ft\u0131. Y\u00fck\u00fcml\u00fcl\u00fckler ise y\u0131ll\u0131k bazda %18,4 ve Mart ay\u0131na g\u00f6re %5,65 artarak 838,8 trilyon som’a y\u00fckseldi. Devlet bankalar\u0131, sekt\u00f6r\u00fcn toplam varl\u0131klar\u0131n\u0131n %62,7’sini ve \u00fclkenin kredi portf\u00f6y\u00fcn\u00fcn %66,1’ini olu\u015fturuyor.<\/p>\n

Mevduat art\u0131\u015f\u0131, kredi art\u0131\u015f\u0131n\u0131 geride b\u0131rakmaya devam etti; mevduatlar %33 artarken, kredilerde sadece %12’lik bir art\u0131\u015f g\u00f6r\u00fcld\u00fc. Bu durum, bankac\u0131l\u0131k sisteminin y\u00fcksek likiditeye sahip oldu\u011funu g\u00f6steriyor. \u00d6zel bankalarda, her 100 som krediye kar\u015f\u0131l\u0131k 103 som mevduat bulunurken, devlet bankalar\u0131nda bu oran 57 som oldu.<\/p>\n

Takipteki kredilerin (NPL) oran\u0131 ge\u00e7en y\u0131l %4,1’den %3,7’ye geriledi. Bu durum, varl\u0131k kalitesinde genel bir iyile\u015fmeye i\u015faret etse de, raporda baz\u0131 devlet ve \u00f6zel bankalar\u0131n nispeten y\u00fcksek NPL oranlar\u0131 bildirmeye devam etti\u011fi belirtiliyor.<\/p>\n

Sekt\u00f6r ayr\u0131ca d\u00f6vize olan ba\u011f\u0131ml\u0131l\u0131\u011f\u0131n\u0131 azaltmaya devam etti. D\u00f6viz kredilerinin pay\u0131 %41’den %39’a, d\u00f6viz mevduatlar\u0131n\u0131n pay\u0131 ise %24’ten %19’a d\u00fc\u015ft\u00fc.<\/p>\n

CERR’ye g\u00f6re, net k\u00e2r art\u0131\u015f\u0131 esas olarak faiz d\u0131\u015f\u0131 gelirlerin artmas\u0131ndan kaynakland\u0131 ve sekt\u00f6r\u00fcn faiz d\u0131\u015f\u0131 marj\u0131 15,8 trilyon som’a ula\u015ft\u0131. Varl\u0131k karl\u0131l\u0131\u011f\u0131 (ROA) %2,4’e y\u00fckselirken, \u00f6z sermaye karl\u0131l\u0131\u011f\u0131 (ROE) %14,5’e ula\u015ft\u0131.<\/p>\n

\u00a0<\/p>\n

Kapitalbank, b\u00fcy\u00fck bankalar aras\u0131nda zirvedeki yerini korudu.<\/strong><\/p>\n

\u00a0<\/p>\n

B\u00fcy\u00fck bankalar aras\u0131nda ilk \u00fc\u00e7 s\u0131radaki s\u0131ralama bir \u00f6nceki \u00e7eyre\u011fe g\u00f6re de\u011fi\u015fmedi; Kapitalbank, Hamkorbank ve Asia Alliance Bank s\u0131ralamada liderli\u011fini s\u00fcrd\u00fcrd\u00fc.<\/p>\n

Trastbank, y\u00f6netim kalitesi ve sermaye yeterlili\u011fi g\u00f6stergelerini iyile\u015ftirdikten sonra bir s\u0131ra y\u00fckselerek d\u00f6rd\u00fcnc\u00fc s\u0131raya yerle\u015fti. Davr Bank, daha g\u00fc\u00e7l\u00fc sermaye yeterlili\u011fi, varl\u0131k kalitesi, karl\u0131l\u0131k ve eri\u015filebilirlik sayesinde b\u00fcy\u00fck banka kategorisine kat\u0131ld\u0131\u011f\u0131ndan beri ilk kez ilk be\u015fe girdi.<\/p>\n

Infinbank \u00fc\u00e7 s\u0131ra y\u00fckselerek alt\u0131nc\u0131 s\u0131raya yerle\u015firken, Ipoteka Bank, daha g\u00fc\u00e7l\u00fc varl\u0131k kalitesi, y\u00f6netim, sermaye yeterlili\u011fi ve karl\u0131l\u0131k sayesinde segmentte en b\u00fcy\u00fck iyile\u015fmeyi kaydederek yedinci s\u0131raya y\u00fckseldi.<\/p>\n

Buna kar\u015f\u0131l\u0131k, Ipak Yuli Bank, finansal arac\u0131l\u0131k ve likiditedeki zay\u0131f performans\u0131 nedeniyle d\u00f6rt s\u0131ra gerileyerek sekizinci s\u0131raya d\u00fc\u015ft\u00fc. Anorbank ve Xalq Banki, her biri \u00fc\u00e7 s\u0131ra gerileyerek ilk 10’u tamamlad\u0131.<\/p>\n

S\u0131ralaman\u0131n alt yar\u0131s\u0131nda yer alan bankalar aras\u0131nda Orient Finance Bank, Asakabank ve Turonbank pozisyonlar\u0131n\u0131 iyile\u015ftirirken, Tenge Bank \u00fc\u00e7 s\u0131ra gerileyerek 13. s\u0131raya d\u00fc\u015ft\u00fc. Mikrokreditbank ise b\u00fcy\u00fck bankalar s\u0131ralamas\u0131n\u0131n en alt\u0131nda kald\u0131.<\/p>\n

\u00a0<\/p>\n

TBC Bank \u00d6zbekistan, k\u00fc\u00e7\u00fck bankalar s\u0131ralamas\u0131nda liderli\u011fini korudu.<\/strong><\/p>\n

\u00a0<\/p>\n

K\u00fc\u00e7\u00fck bankalar aras\u0131nda ilk \u00fc\u00e7 s\u0131ra de\u011fi\u015fmedi; TBC Bank \u00d6zbekistan birincili\u011fi korurken, onu Universalbank ve AVO Bank takip etti.<\/p>\n

Hayot Bank, sermaye yeterlili\u011fi ve finansal arac\u0131l\u0131k g\u00f6stergelerini iyile\u015ftirdikten sonra d\u00f6rd\u00fcnc\u00fc s\u0131raya y\u00fckseldi.<\/p>\n

Octobank, \u00f6nceki \u00e7eyrekteki sert d\u00fc\u015f\u00fc\u015f\u00fcn ard\u0131ndan alt\u0131nc\u0131 s\u0131raya y\u00fckselerek segmentte en g\u00fc\u00e7l\u00fc iyile\u015fmeyi kaydetti. Banka, sermaye yeterlili\u011fi a\u00e7\u0131s\u0131ndan ilk \u00fc\u00e7e girdi ve ayr\u0131ca y\u00f6netim verimlili\u011fi ve karl\u0131l\u0131k g\u00f6stergelerini de g\u00fc\u00e7lendirdi.<\/p>\n

UzKDB Bank, ge\u00e7en y\u0131ldan bu yana ilk kez yedinci s\u0131raya geri d\u00f6nerken, Poytaxtbank dokuzuncu s\u0131raya d\u00fc\u015ft\u00fc. Garant Bank ise k\u00fc\u00e7\u00fck bankalar aras\u0131nda sonuncu s\u0131rada yer ald\u0131. (Kun.uz)<\/strong><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

\u00d6zbekistan bankac\u0131l\u0131k sekt\u00f6r\u00fc, 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011finde k\u00e2rl\u0131l\u0131\u011f\u0131nda keskin bir art\u0131\u015f kaydetti ve net k\u00e2r, bir \u00f6nceki y\u0131la g\u00f6re yakla\u015f\u0131k \u00fc\u00e7te iki oran\u0131nda artarak 8,5 trilyon UZS’ye ula\u015ft\u0131. Bu bulgular, \u00d6zbekistan’da faaliyet g\u00f6steren 34 bankan\u0131n 1 Haziran itibariyle performans\u0131n\u0131 de\u011ferlendiren Ekonomik Ara\u015ft\u0131rma ve Reform Merkezi’nin (CERR) 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011fine ili\u015fkin Bankac\u0131l\u0131k Faaliyet Endeksi’nde yay\u0131nland\u0131. … Okumaya devam et “\u00d6zbekistan Bankac\u0131l\u0131k Sekt\u00f6r\u00fc Net K\u00e2rda \u00dc\u00e7te \u0130ki Oran\u0131nda Art\u0131\u015f Kaydetti”<\/span><\/a><\/p>","protected":false},"author":1271,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[393],"tags":[],"class_list":["post-6551","post","type-post","status-publish","format-standard","hentry","category-hayvancilik"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/posts\/6551","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/users\/1271"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/comments?post=6551"}],"version-history":[{"count":0,"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/posts\/6551\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/media?parent=6551"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/categories?post=6551"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sutyo.com\/tr\/wp-json\/wp\/v2\/tags?post=6551"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}