Array ( [0] => Array ( [TEXT] => Вклады:uz:Omonatlar [LINK] => /deposits [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 0 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_DEPOSIT ) [CHAIN] => Array ( [0] => Вклады:uz:Omonatlar ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [1] => Array ( [TEXT] => Сумовые вклады:uz:So'm omonatlari [LINK] => /deposits/sumovye-vklady [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 1 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Сумовые вклады:uz:So'm omonatlari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [2] => Array ( [TEXT] => Валютные вклады:uz:Valyuta omonatlari [LINK] => /deposits/valyutnye-vklady [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 2 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Валютные вклады:uz:Valyuta omonatlari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) ) ) [3] => Array ( [TEXT] => Кредиты:uz:Kreditlar [LINK] => /credits [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 3 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_CREDIT ) [CHAIN] => Array ( [0] => Кредиты:uz:Kreditlar ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [4] => Array ( [TEXT] => Автокредит:uz:Avto kredit [LINK] => /credits/avtokredit [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 4 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Автокредит:uz:Avto kredit ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [5] => Array ( [TEXT] => Микрозаймы:uz:Mikroqarz [LINK] => /credits/mikrozaymy [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 5 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Микрозаймы:uz:Mikroqarz ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [6] => Array ( [TEXT] => Образовательный кредит:uz:Ta'lim krediti [LINK] => /credits/obrazovatelnyy-kredit [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 6 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Образовательный кредит:uz:Ta'lim krediti ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [7] => Array ( [TEXT] => Овердрафт:uz:Overdraft [LINK] => /credits/overdraft [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 7 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Овердрафт:uz:Overdraft ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [8] => Array ( [TEXT] => Потребительский кредит:uz:Iste'mol krediti [LINK] => /credits/potrebitelskiy-kredit [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 8 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Потребительский кредит:uz:Iste'mol krediti ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [9] => Array ( [TEXT] => Автокредит для вторичного рынка:uz:Ikkilamchi bozor uchun avtomobil krediti [LINK] => /credits/tags/avtokredit-vtorichka [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 9 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Автокредит для вторичного рынка:uz:Ikkilamchi bozor uchun avtomobil krediti ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) ) ) [10] => Array ( [TEXT] => Ипотека:uz:Ipoteka [LINK] => /ipoteka [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 10 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_IPOTEKA ) [CHAIN] => Array ( [0] => Ипотека:uz:Ipoteka ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [11] => Array ( [TEXT] => Новостройки:uz:Yangi qurilgan uylar [LINK] => /ipoteka/novostroyki [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 11 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Новостройки:uz:Yangi qurilgan uylar ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [12] => Array ( [TEXT] => Вторичный рынок:uz:Ikkilamchi bozor [LINK] => /ipoteka/vtorichnyy-rynok [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 12 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Вторичный рынок:uz:Ikkilamchi bozor ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) ) ) [13] => Array ( [TEXT] => Карты:uz:Kartalar [LINK] => /cards [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 13 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_CARDS ) [CHAIN] => Array ( [0] => Карты:uz:Kartalar ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [14] => Array ( [TEXT] => Сумовые карты:uz:So'm kartalari [LINK] => /cards/sumovye-karty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 14 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Сумовые карты:uz:So'm kartalari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [15] => Array ( [TEXT] => Валютные карты:uz:Valyuta kartalari [LINK] => /cards/valyutnye-karty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 15 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Валютные карты:uz:Valyuta kartalari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [16] => Array ( [TEXT] => Дебетовые карты:uz:Debet kartalar [LINK] => /cards/debetovye-karty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 16 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Дебетовые карты:uz:Debet kartalar ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [17] => Array ( [TEXT] => Кредитные карты:uz:Kredit kartalar [LINK] => /cards/kreditnye-karty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 17 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Кредитные карты:uz:Kredit kartalar ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) ) ) [18] => Array ( [TEXT] => Рассрочка [LINK] => /rassrochka [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 18 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 1 [ADV] => MENU_BRANCHES ) [CHAIN] => Array ( [0] => Рассрочка ) [DEPTH_LEVEL] => 1 [IS_PARENT] => ) [19] => Array ( [TEXT] => Страхование [LINK] => /insurance [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 19 [PARAMS] => Array ( [max_depth] => 2 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_INSURANCE ) [CHAIN] => Array ( [0] => Страхование ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [20] => Array ( [TEXT] => Физическим лицам:uz:Jismoniy shaxslar uchun [LINK] => /insurance/fizicheskim-litsa [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 20 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Физическим лицам:uz:Jismoniy shaxslar uchun ) [DEPTH_LEVEL] => 2 [IS_PARENT] => [child] => Array ( [21] => Array ( [TEXT] => Автострахование:uz:Avtosug'urta [LINK] => /insurance/avtostrakhovanie [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 21 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Автострахование:uz:Avtosug'urta ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [22] => Array ( [TEXT] => Путешествие:uz:Sayohatchilar sug'urtasi [LINK] => /insurance/puteshestvie [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 22 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Путешествие:uz:Sayohatchilar sug'urtasi ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [23] => Array ( [TEXT] => Имущество:uz:Mulk [LINK] => /insurance/imushchestvo [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 23 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Имущество:uz:Mulk ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [24] => Array ( [TEXT] => Здоровье:uz:Sog'liq [LINK] => /insurance/zdorove [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 24 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Здоровье:uz:Sog'liq ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) [25] => Array ( [TEXT] => Юридическим лицам:uz:Yuridik shaxslar uchun [LINK] => /insurance/yuridicheskim-litsam [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 25 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Юридическим лицам:uz:Yuridik shaxslar uchun ) [DEPTH_LEVEL] => 2 [IS_PARENT] => [child] => Array ( [26] => Array ( [TEXT] => Автострахование:uz:Avtosug'urta [LINK] => /insurance/avtostrakhovanie-yur [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 26 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Автострахование:uz:Avtosug'urta ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [27] => Array ( [TEXT] => Грузоперевозки:uz:Yuk tashish [LINK] => /insurance/gruzoperevozki [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 27 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Грузоперевозки:uz:Yuk tashish ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [28] => Array ( [TEXT] => ОПО:uz:Xavfli ishlab chiqarish ob'ektlarini sug'urtalash [LINK] => /insurance/opo [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 28 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => ОПО:uz:Xavfli ishlab chiqarish ob'ektlarini sug'urtalash ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [29] => Array ( [TEXT] => Путешествие:uz:Sayohat [LINK] => /insurance/puteshestvie-yur [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 29 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Путешествие:uz:Sayohat ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [30] => Array ( [TEXT] => СМР:uz:Qurilish-montaj qaltisliklaridan sug'urta [LINK] => /insurance/smr [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 30 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => СМР:uz:Qurilish-montaj qaltisliklaridan sug'urta ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) ) ) [31] => Array ( [TEXT] => Рейтинг приложений [LINK] => /app_rating/ [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => D [ITEM_INDEX] => 31 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 1 [CLASS] => top_apps ) [CHAIN] => Array ( [0] => Рейтинг приложений ) [DEPTH_LEVEL] => 1 [IS_PARENT] => ) [32] => Array ( [TEXT] => Ещё [LINK] => javascript:void(0) [SELECTED] => [PERMISSION] => Z [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 32 [PARAMS] => Array ( [max_depth] => 2 [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [CLASS] => more_menu ) [CHAIN] => Array ( [0] => Ещё ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [33] => Array ( [TEXT] => Организации [LINK] => javascript:void(0) [SELECTED] => [PERMISSION] => Z [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 33 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Организации ) [DEPTH_LEVEL] => 2 [IS_PARENT] => 1 [child] => Array ( [34] => Array ( [TEXT] => Банки:uz:Banklar [LINK] => /orgs/banks [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 34 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Банки:uz:Banklar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [35] => Array ( [TEXT] => Микрокредитные организации:uz:Mikrokredit tashkilotlari [LINK] => /orgs/mikrokreditnye-organizatsii [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 35 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Микрокредитные организации:uz:Mikrokredit tashkilotlari ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [36] => Array ( [TEXT] => Лизинг:uz:Lizing [LINK] => /orgs/lizing [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 36 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Лизинг:uz:Lizing ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [37] => Array ( [TEXT] => [LINK] => [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 37 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 3 [title] => Y ) [CHAIN] => Array ( [0] => ) [DEPTH_LEVEL] => 3 [IS_PARENT] => 1 ) [38] => Array ( [TEXT] => Ломбарды:uz:Lombardlar [LINK] => /orgs/lombardy [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 38 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Ломбарды:uz:Lombardlar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [39] => Array ( [TEXT] => Страховые компании:uz:Sug'urta kompaniyalari [LINK] => /orgs/strahovye-kompanii [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 39 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Страховые компании:uz:Sug'urta kompaniyalari ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) [40] => Array ( [TEXT] => Денежные переводы:uz:Pul o'tkazmalari [LINK] => /money-transfers [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 40 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 2 [ADV] => MENU_MONEYTRANSFER [CLASS] => inside_head [title] => Y [tt] => Y ) [CHAIN] => Array ( [0] => Денежные переводы:uz:Pul o'tkazmalari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => 1 [child] => Array ( [41] => Array ( [TEXT] => Филиалы и Банкоматы [LINK] => javascript:void(0) [SELECTED] => [PERMISSION] => Z [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 41 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 [pt] => Y ) [CHAIN] => Array ( [0] => Филиалы и Банкоматы ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [42] => Array ( [TEXT] => Филиалы:uz:Filiallar [LINK] => /branches_atms/filialy [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 42 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Филиалы:uz:Filiallar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [43] => Array ( [TEXT] => Банкоматы:uz:Bankomatlar [LINK] => /branches_atms/bankomaty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 43 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Банкоматы:uz:Bankomatlar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) [44] => Array ( [TEXT] => Курсы валют [LINK] => javascript:void(0) [SELECTED] => [PERMISSION] => Z [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 44 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 2 [SHF] => 1 ) [CHAIN] => Array ( [0] => Курсы валют ) [DEPTH_LEVEL] => 2 [IS_PARENT] => 1 [child] => Array ( [45] => Array ( [TEXT] => Текущие курсы валют [LINK] => /currency [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 45 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Текущие курсы валют ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [46] => Array ( [TEXT] => Архив курсов валют [LINK] => /currency/archive [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 46 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Архив курсов валют ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) ) ) [39] => Array ( [TEXT] => Страховые компании:uz:Sug'urta kompaniyalari [LINK] => /orgs/strahovye-kompanii [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 39 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Страховые компании:uz:Sug'urta kompaniyalari ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) 1
Как минимум 59 клиентов кредитного учреждения после заявки о возврате средств узнали о том, что они не подпадают под гарантии Фонда страхования вкладов. Сумма средств пострадавших вкладчиков составляет не менее 57 млрд сумов.
Банк оформлял деньги по вкладу «Мустахкам химоя» как субординированные займы. Их доходность превышала среднюю для депозитов (27% годовых для вклада в сумах, 7,5% для валютных).
Со слов пострадавших, сотрудники банка «Туркистон» и его юристы неоднократно заявляли, что эти вклады гарантируются государством. Однако их слова опровергли в Центробанке.
Для составления договора субординированного займа требуется нотариус — но, как отметили вкладчики, при оформлении об этом даже не упоминали. Пострадавшие уже обратились с заявлением в правоохранительные органы, а также к президенту.
Экономист Отабек Бакиров отметил, что «Туркистон» начал принимать «субординированные займы» с повышенной доходностью из-за отсутствия вкладчиков. Для привлечения средств банк пошёл на откровенный обман, называя их вкладами, отметил он.
«Здравомыслящие, обладающие хотя бы базовой финансовой грамотностью люди не попали в эту ловушку», — добавил Бакиров.
При этом закон на стороне юристов Центробанка, указал эксперт — объектом гарантии считаются именно вклады, а не займы. Согласно положению ЦБ, обязательства по субординарным займам по очерёдности погашения идут после вкладчиков и кредиторов банка.
Бакиров призвал прокуратуру разобраться со сложившейся ситуацией. Однако пострадавшие должны обратить внимание в первую очередь на руководство банка вместо требования денег у государства, считает он.
ЦБ отозвал лицензии у банка Turkiston и Hi-Tech Bank 7 октября. Глава регулятора Мамаризо Нурмуратов обещал в течение двух месяцев начать возврат вкладчикам денег — по его данным, речь идёт примерно о 373 млрд сумов.
Ранее Spot писал, что сумма банковских вкладов населения за сентябрь сократилась на 700 млрд сумов — при этом в частных банках денег на депозитах стало больше.
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Банк «Туркистон» оформлял часть вкладов как субординированные займы