MOLIYAVIY HISOBOTLAR ASOSIDA TIJORAT BANKLARIDA KREDIT RISKINI BAHOLASH VA BOSHQARISH (“KAPITALBANK” ATB MISOLIDA)
Jild 5 son 13 (2026) 144-147
Annotatsiya
Bank tizimida kreditlash operatsiyalari eng daromadli, lekin eng riskli faoliyat yo‘nalishlaridan biri hisoblanadi. Kredit riski qarz oluvchining kredit shartnomasida belgilangan majburiyatlarni o‘z vaqtida va to‘liq bajarmasligi natijasida bank zarar ko‘rishi ehtimolini anglatadi. Shu sababli banklar kredit ajratishdan oldin mijozning moliyaviy holatini, pul oqimini, qarz yukini, ta’minot sifatini va kredit tarixini chuqur o‘rganishi zarur.
Iqtiboslar
“Kapitalbank” ATB. Kapitalbank released its financial report for the year of 2024. 12.03.2025.
“Kapitalbank” ATB. Kapitalbank Summarizes Its 2025 Results: Asset Growth, Record Deposits, and a Strengthened Role in the Economy. 02.03.2026.
“Kapitalbank” ATB. Ratings. Fitch Ratings “B/Positive”, S&P “BB-/Stable”, Moody’s “B1/Positive”.
IFRS Foundation. IFRS 7 Financial Instruments: Disclosures.
Basel Committee on Banking Supervision. Guidance on credit risk and accounting for expected credit losses. Bank for International Settlements, 2015.
Bank for International Settlements. IFRS 9 and expected loss provisioning — Executive Summary.
Nguyen, H. Credit Risk and Financial Performance of Commercial Banks: Evidence from Vietnam. 2023.
Ong, L. L., Schmieder, C., & Wei, M. Insights into Credit Loss Rates: A Global Database. SUERF Policy Brief, 2023.
O‘zbekiston Respublikasi Markaziy banki. Annual Report 2024.
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