Телеграм канал «O'zbekiston Respublikasi Markaziy banki»

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In English
Has your bank card been blocked?
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🫥 How does InfoCards work, and where should you go for the necessary information?
Watch the video for details.

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2026-yil 14-sentabr holatiga banklar kesimida aholiga ajratilgan mikroqarz va avtokreditlar, ipoteka kreditlari, yuridik shaxslarga asosiy vositalar xaridi va aylanma mablag'larni to'ldirish uchun ajratilgan kreditlar boʻyicha oʻrtacha foiz stavkalari

Batafsil
#foiz_stavkalar


In english:

Average interest rates by bank as of 14 September 2026 on microloans and car loans and mortgage loans extended to individuals, and on loans extended to legal entities for the purchase of fixed assets and for replenishing working capital

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Moliya sohasi ekspertlarining iqtisodiy kutilmalari

2026-yilning avgust oyida o'tkazilgan so'rov natijalari moliya bozori ekspertlarining inflyatsiya bo'yicha kutilmalari barqarorlashganini va maqsadli ko‘rsatkichga erishishga bo‘lgan ishonchi mustahkamlanayotganini ko‘rsatmoqda.
 
Asosiy natijalar:
🟣Inflyatsion kutilmalar barqarorlashmoqda. Kelgusi 12 oy uchun inflyatsion kutilmalar - 6,6% (iyulda 6,6%), kelgusi 3 yil uchun kutilmalar - 5,2% (iyulda 5,2%) darajasida o‘tgan oyga nisbatan o‘zgarishsiz saqlanib qolib, maqsadli ko‘rsatkichga (5%) yaqin darajada shakllanmoqda.
🟣Maqsadli ko‘rsatkichga erishishga bo‘lgan ishonch ortmoqda. Ekspertlarning 51% inflyatsiyaning 5%lik maqsadli ko'rsatkichiga 2027-2028-yillarda erishilishini kutmoqda (iyulda 51%). Shuningdek, maqsadli ko'rsatkichga 2027-yilda erishilishini qayd etgan ekspertlar ulushi iyul oyida 20%dan avgust oyida 24%gacha ko‘paydi.
🟣Asosiy stavka bo‘yicha kutilmalar barqaror shakllanmoqda. Ekspertlarning 80% kelgusi boshqaruv yig'ilishidan so'ng asosiy stavka 14,0% darajasida o'zgarishsiz saqlanib qolishini kutmoqda (iyulda 76%). Kelgusi 12 oydan so'ng esa 13,1% atrofida bo'lishi prognoz qilinmoqda (iyulda 13,0%).
🟣Iqtisodiy o'sish bo‘yicha kutilmalar ijobiy shakllanmoqda.  Real YaIM o'sishi bo'yicha kutilmalar joriy yilda 6,9% (iyulda 6,7%), kelgusi yilda 6,6% (iyulda 6,5%) darajasida shakllandi. Nominal ish haqi o'sishi joriy yilda 13,5% (iyulda 13,5%), kelgusi yilda 13,3% (iyulda 13,1%) bo'lishi prognoz qilinmoqda.
✔️Umuman olganda, avgust oyi natijalari moliya sohasida faoliyat olib borayotgan ekspertlar baholarida inflyatsion kutilmalarning bosqichma-bosqich pasayib, past darajada barqarorlashib borayotgani, pul-kredit siyosatida barqarorlik va iqtisodiy o‘sish bo‘yicha kutilmalarning mustahkamlashib borayotgani namoyon bo‘lmoqda.

In english:
Economic Expectations of Financial Sector Experts

The results of the survey conducted in August 2026 show that financial market experts' inflation expectations have stabilized and that their confidence in achieving the target is strengthening.

Key findings:
🟣Inflation expectations are stabilizing. Expectations for the next 12 months stand at 6.6% (6.6% in July) and for the next 3 years at 5.2% (5.2% in July), remaining unchanged from the previous month and forming close to the 5% target.
🟣Confidence in achieving the target is growing. 51% of experts expect the 5% inflation target to be reached in 2027–2028 (51% in July). At the same time, the share of experts anticipating that the target will be met in 2027 rose from 20% in July to 24% in August.
🟣Policy rate expectations remain stable. 80% of experts expect the policy rate to be kept unchanged at 14.0% following the next Board meeting (76% in July). In 12 months' time, the rate is projected to stand at around 13.1% (13.0% in July).
🟣Expectations for economic growth are positive. Real GDP growth is expected at 6.9% this year (6.7% in July) and 6.6% next year (6.5% in July). Nominal wage growth is projected at 13.5% this year (13.5% in July) and 13.3% next year (13.1% in July).
✔️Overall, the August results indicate that, in the assessments of experts working in the financial sector, inflation expectations are gradually declining and stabilizing at a low level, while expectations of monetary policy stability and economic growth continue to strengthen.

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Chapga suring
Banklarda antifrod va antivirus tizimlari: 2026-yilning 6 oylik natijalari
O‘zbekiston Respublikasi Prezidentining PQ-381-son qaroriga muvofiq, tijorat banklarida mijozlar mablag‘lari va mobil qurilmalarini turli raqamli xavflardan himoya qilishga qaratilgan Session antifrod hamda antivirus tizimlari joriy etilgan.
Session antifrod tizimi bank operatsiyalarini xavf darajasi bo‘yicha tahlil qiladi. Tizim tomonidan yuqori xavf darajasida baholangan operatsiyalar cheklanadi, bu esa shubhali operatsiyalar bo‘yicha mablag‘larning chiqib ketishi xavfini kamaytirishga xizmat qiladi.
🔘Infografikada cheklangan operatsiyalardagi mablag‘lar miqdori va holatlar soni bo‘yicha TOP-10 tijorat banki ko‘rsatilgan.
Shu bilan birga, tijorat banklarining mobil ilovalarida zararli dasturlarni aniqlovchi antivirus tizimlari joriy etilgan. Ular qurilmalardagi zararli .apk fayllar va dasturlarni aniqlash orqali bank ilovalaridan xavfsiz foydalanishga yordam beradi.
🔘Ikkinchi infografikada zararli dastur aniqlanishi sabab cheklangan hamda zararli dasturdan tozalangan qurilmalar soni bo‘yicha TOP-10 tijorat banki keltirilgan.
🔐Mazkur himoya mexanizmlari firibgarlik xavfini erta aniqlash, shubhali operatsiyalarni o‘z vaqtida cheklash hamda bank xizmatlaridan foydalanuvchilarning mablag‘lari va qurilmalarini himoya qilishga xizmat qiladi.
In English
Antifraud and Antivirus Systems in Banks: Results for the First Half of 2026
In accordance with Resolution No. RP-381 of the President of the Republic of Uzbekistan, commercial banks have implemented Session Antifraud and antivirus systems designed to protect customers’ funds and mobile devices against various digital threats.
The Session Antifraud system analyzes banking transactions based on their level of risk. Transactions identified by the system as high-risk are restricted, helping to reduce the risk of funds being transferred through suspicious transactions.
The infographic presents the TOP 10 commercial banks by the value and number of restricted transactions.
At the same time, commercial banks have introduced antivirus systems in their mobile applications to detect malicious software. By identifying malicious .apk files and applications on users’ devices, these systems help ensure the secure use of mobile banking applications.
The second infographic presents the TOP 10 commercial banks by the number of devices on which access was restricted due to detected malware, as well as devices from which malicious software was removed.
These protection mechanisms help identify fraud risks at an early stage, promptly restrict suspicious transactions, and safeguard the funds and devices of banking service users.
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Markaziy bank statistikasi — endi interaktiv formatda
https://cbuss.cbu.uz/
Inflyatsiya, kreditlar, depozitlar, pul-kredit ko‘rsatkichlari va boshqa muhim iqtisodiy ma’lumotlarni CBUSS — Markaziy bank statistik tizimi orqali kuzatib boring.
CBUSS statistik ma’lumotlarni yagona platformada jamlab, ularni tezkor topish, davrlar bo‘yicha taqqoslash, dinamikasini tahlil qilish va vizual ko‘rinishda o‘rganish imkonini beradi.
Platformada:
— ma’lumotlarni interaktiv grafik va jadvallarda ko‘rish;
— ko‘rsatkichlarni davrlar kesimida taqqoslash;
— kerakli ma’lumotlarni filtrlash;
— natijalarni Excel va CSV formatlarida yuklab olish mumkin.
Bu jurnalistlar, tahlilchilar, tadqiqotchilar, biznes vakillari va iqtisodiy jarayonlarni kuzatib boruvchi barcha foydalanuvchilar uchun ishonchli rasmiy ma’lumotlar bilan ishlashni yanada qulay va tezkor qilishga xizmat qiladi.
Muhim: platforma hozircha sinov rejimida ishga tushirilgan. Uni yanada qulay va foydali qilish uchun fikr va takliflaringizni stat@cbu.uz manziliga yuborishingiz mumkin. Platformani birgalikda takomillashtiramiz.
Hurmatli OAV vakillari!
CBUSS platformasining maxsus taqdimotida ishtirok etish va uning imkoniyatlari bilan batafsil tanishish uchun @formedia13 orqali ro‘yxatdan o‘tishingiz mumkin.
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*Sayt test rejimida ishlamoqda

Markaziy bank boshqaruvi 16-sentyabrdagi yig‘ilishida asosiy stavkani yillik 14% darajasida saqlab qolish to‘g‘risida qaror qabul qildi.
Inflyatsiya pasayishda davom etmoqda:
• avgust oyida umumiy inflyatsiya – 6,2%;
• bazaviy inflyatsiya – 5,5%.
Iqtisodiyotda ayrim muvozanatlashuv belgilari kuzatilayotgan bo‘lsa-da, inflyatsion bosimlar hamon saqlanib qolmoqda. Xususan,
• inflyatsion kutilmalarning pasayishi umumiy inflyatsiyaga nisbatan sekinroq kechmoqda;
• jahon xomashyo, oziq-ovqat va energiya narxlarining yuqori darajasi hamda tartibga solinadigan narxlarni liberallashtirish jarayoni asosiy inflyatsion xatarlar sifatida baholanmoqda.
Ijobiy real foiz stavkalari aholining jamgʻarishga boʻlgan moyilligini qoʻllab-quvvatlamoqda.
Markaziy bank inflyatsiyani 2027-yil yakuniga qadar 5% maqsadli ko‘rsatkichiga tushirish uchun zarur pul-kredit sharoitlarini ta’minlashda davom etadi.
Asosiy stavkani ko‘rib chiqish bo‘yicha navbatdagi yigʻilishi 2026-yil 28-oktyabr kuniga belgilangan.

Press-relizning to‘liq versiyasi bilan Markaziy bankning rasmiy veb-sahifasida tanishishingiz mumkin.

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Qoraqalpog‘iston Respublikasi va Xorazm viloyatida biznes kayfiyati yaxshilandi

🟣Markaziy bankning biznes kayfiyati so‘rovi natijalariga ko‘ra, 2026-yil II choragida Qoraqalpog‘iston Respublikasi va Xorazm viloyatida tadbirkorlik muhitiga berilgan baholar ijobiy tomonga o‘zgardi. Respondentlarning 65 foizi biznes sharoitlari yaxshilanganini qayd etdi.
🟣Ushbu hududlarda iqtisodiy faollikning asosiy ko‘rsatkichlari bo‘yicha ham ijobiy dinamika kuzatildi. Buyurtmalar hajmi oshganini bildirganlar ulushi 55 foizni (+4 foiz band), ishlab chiqarish hajmi oshganini qayd etganlar ulushi esa 54 foizni (+7 foiz band) tashkil etdi. Qo‘shimcha ishchi kuchiga talab oshganini bildirganlar ulushi 49 foizni (+4 foiz band) tashkil etdi.
☑️Yetkazib berish hajmi oshganini bildirgan tadbirkorlar ulushi 49 foizni (+4 foiz band), yonilg‘i va energiya iste’moli oshganini qayd etganlar ulushi esa 59 foizni (+6 foiz band) tashkil etdi.
☑️Kelgusi davrga oid kutilmalar ham ijobiy shakllandi. Kelgusi chorakda ishlab chiqarish hajmi oshishini kutayotgan tadbirkorlar ulushi 55 foizni (+3 foiz band), buyurtmalar hajmi bo‘yicha 56 foizni (+3 foiz band), yonilg‘i va energiya iste’moli bo‘yicha esa 60 foizni (+8 foiz band) tashkil etdi. Qo‘shimcha ishchi kuchiga talabning oshishi bo‘yicha ham ijobiy kutilmalar saqlanib qolmoqda. Umuman olganda, kelgusi chorakda iqtisodiy faollikning asosiy ko‘rsatkichlari bo‘yicha o‘rtacha 66 foizdan yuqori o‘sish kutilmoqda.
Shuningdek, tadbirkorlarning 81 foizi kelgusi uch yilda iqtisodiyot va biznes muhiti yanada yaxshilanishiga ishonch bildirdi.

In English

Business sentiment improves in the Republic of Karakalpakstan and Khorezm region

🟣According to the results of the Central Bank’s Business Sentiment Survey, assessments of the business environment in the Republic of Karakalpakstan and Khorezm region improved in the second quarter of 2026. 65% of respondents reported an improvement in business conditions.

🟣Positive dynamics were also observed across key indicators of economic activity in these regions. The share of respondents reporting an increase in orders reached 55% (+4 percentage points), while 54% (+7 percentage points) reported higher production volumes. Meanwhile, 49% (+4 percentage points) indicated an increase in demand for additional labour.

The share of businesses reporting higher delivery volumes stood at 49% (+4 percentage points), while 59% (+6 percentage points) reported an increase in fuel and energy consumption.

☑️ Expectations for the coming period also remained positive. The share of businesses expecting production volumes to increase in the next quarter reached 55% (+3 percentage points), while 56% (+3 percentage points) anticipated an increase in orders and 60% (+8 percentage points) expected higher fuel and energy consumption. Expectations regarding demand for additional labour also remained positive. Overall, more than 54% of respondents, on average, expect an increase across key indicators of economic activity in the next quarter.

In addition, 81% of businesses expressed confidence that economic and business conditions will improve further over the next three years.
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