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
13 июля 2015 г. международное рейтинговое агентство Мoody’s опубликовало «Прогноз развития банковской системы Узбекистана». Прогноз отражает оценку развития кредитоспособности банковской системы Узбекистана на следующие 12-18 месяцев. В своем обзоре агентство Мoody’s шестой год подряд подтверждает прогноз «стабильный».
Макроэкономическая ситуация в Узбекистане стабильная. Узбекистан демонстрирует высокие темпы экономического роста благодаря диверсифицированной структуре экспорта и направлению доходов от экспорта на финансирование государственных инвестиций.
Устойчивая и диверсифицированная экономика страны, прочные капитальные инвестиции обеспечивают стабильную операционную среду для банков.
Агентство Мoody’s отмечает стабильную динамику качества активов узбекских банков и прогнозирует, что качество активов останется на хорошем уровне.
По мнению агентства Мoody’s в течение прогнозного периода прибыльность узбекских банков останется на стабильном уровне, как и в предыдущие года. Показатель операционной прибыли узбекских банков один из самых высоких среди стран СНГ. Агентство отмечает, что высокие доходы узбекских банков обеспечивают ресурсы для роста части кредитования.
В соответствии с базовым сценарием агентства Мoody’s, рост кредитования в рейтингуемых банках составит 20 % в год. Для сохранения текущего уровня достаточности капитала в условиях высокого роста объема кредитования в прогнозном периоде будут необходимы меры по увеличению совокупного капитала банков.
Вместе с тем, в 2015 г. предусматривается увеличение совокупного капитала коммерческих банков на 25 %.
Мoody’s ожидает, что показатели ликвидности узбекских банков в течение прогнозного периода также останутся на стабильном уровне благодаря банковским депозитам.
В 2014 г. совокупные активы банков Узбекистана выросли на 28,2 %, совокупный кредитный портфель – на 31,2 %, совокупный банковский капитал – на 24,8 %.
По итогам 2014 г. уровень достаточности капитала составил 23,8 %, что в три раза превышает общепринятые мировые стандарты, а текущая ликвидность банковской системы составила 64,6 %, что в два раза выше установленных требований.
Также, согласно недавно проведенному исследованию МВФ, Узбекистан по числу банковских учреждений на 100 тыс. человек взрослого населения лидирует среди стран СНГ. Уровень доступности банковских услуг составляет 49,8 банковских учреждений на 100 тыс. человек взрослого населения, а количество банковских счетов, открытых физическими лицами, составляет 1 102 единиц на 1 000 человек взрослого населения.
Необходимо отметить, что согласно информации агентства Мoody’s, по итогам 2014 г. банковская система Узбекистана является единственной среди стран СНГ, которая имеет прогноз развития «стабильный».
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Moody’s: Cтабильная операционная среда и качество активов поддерживают узбекские банки