Intiqoli Mablagho dar Bonk: MALUMOTNOMAI TAHLILI

Ba Raisi Rayosati
JSP «SomonBonk»
muhtaram Somonov S.S.

MALUMOTNOMAI TAHLILI

Mudiriyati jambasti-tahlilii Rayosati ittilooti-tahlili tibqi suporishi SHumo, oid ba tahlili natijai faoliyati JSK «SomonBonk» dar samti intiqoli mablaghoro zeri ijroish qaror doda az natijaash chunin malumot medihad.

Bo maqsadi ijroishi suporish, nishondihandahoi asosii Bonk vobasta ba intiqoli mablagho dar 4-mohi avvali soli 2012 zeri tahlil qaror doda shudand. Majmui mablaghoi intiqolshuda az jonibi JSK «SomonBonk» Dar davomi 4-mohi soli 2012 (be kushodani surathisobho)

Asor	Mablagi intiqoli voridshudai pardokhtgardida	Mablagi intiqoli irsolshuda	Daromad az intiqol
Dollari IMA	90 289 388	23 719 250
Rubli rusi	3 770 316 877	919 779 151
Evro	220 154	123 989
Somoni	84613	0
Hamagi bo somoni	1 044 566 431	263 304 948	7 713 375

CHi tavre, ki az jadvali bolo barmeoyad, mablaghoi intiqolshavanda asosan bo rubli rusi ba amal barovarda meshavand, ki in az nisf ziyodi hajmi mablaghoi intiqolshavandaro tashkil medihad. Mablaghoi irsolshavanda nazar ba mablaghoi pardokhtshavanda 25%-ro tashkil dodaast. Dar majmu boshad, davomi in davra bo muodil ba mablagi 271 mln. dollari IMA mablagho intiqol doda shudand, ki az on 216 mln. dollari IMA pardokht gardidaast, 55 mln. dollari IMA irsol karda shudaast.

Daromad az in amaliyot mablagi 7,7 mln. somoni buda 4%-i majmui daromadhoi bonkro tashkil medihad.
Garchande, ki daromad az intiqoli mablagho dar majmu 4%-i daromadi nizomi JSK «SomonBonk»-ro dar davrai tahlilshavanda tashkil medihad, lekin dar filialho in tanosub shakli digar dorad.

Masalan chunin daromad dar tavozuni filiali bonki n. Hisor-15%, Jirgatol-29%, SHahritus-28%, Ayni-27%, Gonchi-24%, Ishkoshim-20%, Farkhor-14%, Rushon-14%, Rogun-5%, Hamadoni-11% va Vose-2%-i hissai umumii daromadhoi onhoro tashkil medihad.

Soli 2011 hissai JSK «SomonBonk» dar bozori intiqoli mablaghoi jumhuri 31%-ro tashkil kard va ba mablagi 913 mln. dollari IMA barobar bud. Dar kishvar boshad, in nishondihanda ba okhiri soli 2011 mablagi 2,96 mlrd. dollari IMA-ro tashkil dod, ki ba 45,4%-i Majmui mahsuloti dokhilii Tojikiston barobar meboshad.

Ba hisobi miyona JSK «SomonBonk» az faoliyati intiqoli mablagho bo arzishi 0,54%-i solona daromad girifta boshad, az on 0,33% kharojotu andoz va boqimonda 0,21% foidai sofi Bonk ba shumor meravad. Vazni miyonai yak intiqol ba hisobi miyona bo muodil ba 670-dollari IMA barobar ast.

Dar soli 2010 boshad hissai JSK «SomonBonk» dar bozori intiqoli mablaghoi kishvar 39%, soli 2009 ba andozai 40%, va soli 2008 dar hajmi 38,2% qaror girifta bud va guvohi az on medod, ki solhoi qabli mavqei Bonk dar in bakhsh nisbatan beshtar bud. Albata boyad ba nazar girift, ki tuli solhoi okhir binobar sababi ziyod shudani markazhoi khizmatrasonii digar bonkho, mavqei JSK «SomonBonk» nisbatan kohish yoftaast, vale az digar taraf, sarivaqt tamin nashudani sokhtorhoi amaliyoti bo vositahoi puli, quvvai barq, aloqa va digar omilho boisi past shudani hajmi intiqoli mablagho gashtaast.

Hajmi mablaghoi intiqolshuDa bo nizomho (bo Dollari IMA)

№	Nizomi pardokht	Mablagi intiqoli voridshudai pardokhtgardida	Mablagi intiqoli irsolshuda	SHumorai Amaliyot dar barnomai SFT
1	Anelik	6 930 001	138 893	25 612
2	ZOLOTAYA KORONA	126 145 041	20 715 057	23 782
3	CONTACT	24 450 714	540 897	12 788
4	UNISTREAM	25 966 220	1 892 608	12 039
5	MIGOM	7 848 233	7 255 902	9 136
6	Western Union	6 831 704	1 266 811	9 095
7	Blizko	4 763 954	17 487	5 953
8	Lider	5 431 765	14 100 416	5 322
9	Inter Express	1 943 862	2 095	4 545
10	Private Money	2 969 021	13 231	2 873
11	Money Gram	1 789 086	266 969	2 254
12	Bistraya pochta	1 008 531	115 894	1 775
13	SWIFT	112 337	8558 134	650
14	Allur	46 219	0	7
15	Avers	9 295	0	3
Hamagi		216 245 983	54 617 583	115 834

Az nishondihandahoi jadval barmeoyad ki az hama mablagi ziyod asosan tavassuti nizomi Zolotaya korona, badan UNISTREAM va savvumin tariqi CONTACT intiqol shudaast. Az hama kamtar boshad, tavassuti nizomi intiqolii Avers intiqol gardidaast. Bo nizomi Allur boshad, binobar sababi nochiz budani hajmi amaliyot, shartnomai hamkori qat karda shudaast.

Az jihati shumorai amaliyotho boshad, az hama ziyodtar tavassuti nizomi Anelik, badan Zolotaya korona mablagho intiqol doda meshavand.

Intiqoli pardokhtshuda mablagho dar davomi solhoi 2008-2012 (bo nominali . asor)

Asor	Soli 2008	Soli 2009	Soli 2010	Soli 2011	30.04.2012
RUR	6 193 541 868	7 683 201 112	12 347 136 722	14 489 096 399	3 770 316 877
USD	703 402 788	473 046 398	450 377 991	413 127 186	90 286 388
EURO	3 278 926	2 479 699	2 451 944	1 856 879	220 154
Hamagi bo $	956 481 887	723 060 651	862 772 990	913 524 691	216 245 983
SHumorai amaliyot	937 170	802 505	825 111	464 161	105 135

Baroi tashkili amaliyothoi intiqoli, JSK «SomonBonk» 138 sokhtori khudro, az jumla 62-filial, 55-nuqtahoi intiqoli mablagho, 15-MHB, 3-MABH, 2-Direksiya va 1-shubai amaliyoti, ki dar on 224 nafar kormand safarbar karda shudaand, jalb namudaast.

Faoliyati intiqoli mablagho dar sokhtorhoi amaliyotii Bonk ba sanai 30.04.2012

Nomgui sokhtor	Mablagi intiqol bo $	Foidai sof	SHumorai kormandon	Sarbori ba yak kormand (dar 1 ruz)
Saridora
Rayosati amaliyotii №1	38 628 348	338 663	13	35
Rayosati amaliyotii №2	1 785 196	6 596	2	14
MHB-1	5 235 187	62 426	2	32
MHB-2	756 526	-21 488	3	7
MAHB-3	4 485 382	48 685	3	19
MHB-4(qat karda shud)	901 563	8 810	1	15
MAHB-5	6 680 590	91 851	2	47
MAHB-7	2 896 986	43 771	1	45
MAHB-8	13 525 027	135 131	6	17
Giprozem (SHA)	5 442 397	88 896	2	40
Dushanbe
n. Firdavsi	7 765 981	124 976	3	38
I. Somoni	3 222 074	9 162	5	9
n. SHokhmansur	7 495 226	83 121	5	18
mah. SHokhmansur	965 235	7 754	1	14
Filial Sino	9 920 617	92 528	2	45
NTM (RRP)
n. Rasht	1 900 536	12 880	1	15
Vahdat	1 860 082	109 229	4	25
Varzob	93 833	-11 970	2	1

 

Nurobod	734 033	3 692	2	7
Rogun	1 061 868	2 262	1	7
Rudaki	737 522	23 798	2	14
Tursunzoda	3 309 915	71 454	4	17
Tojikobod	955 047	13 665	1	16
Fayzobod	1 009 896	10 132	2	7
SHahrinav	900 302	35 971	3	14
Ilkhom (Hissor)	9 51 878	47 181	2	23
Filial YOvon	372 195	45 434	2	21
n. Hisor	2 486 315	77 897	3	24
n. Jirgatol	11 664 737	20 757	1	21
Dar n. Sugd
sh. Hujand	10 857 839	54 502	10	13
Sugd (sarfilial)	5 753 949	19 953	9	12
n. Ayni	605 662	1 254	1	10
n. Asht	3 166 373	34 898	5	9
n. Zafarobod	2 146 807	28 218	2	17
n.Isfara	2 113 067	11 812	5	8
n.Istravshan	3 834 613	73 757	3	26
n. Konibodom	5 667 925	92 004	3	28
n.Mastchoh (Buston)	352 440	5 411	1	9
n. Panjakent	11 597 354	131 023	13	13
n. Spitamen	3 408 455	53 979	2	26
n. SHahriston	748 475	4 053	2	6
n. Gafurov	3 239 864	15 307	4	12
n. Gonchi	6 037 774	76 815	4	20
n. J. Rasulov	1 329 558	19 455	2	12
m. Qurgonteppa
n. Panj	1 730 960	26 333	1	26
Sarf. Qurgonteppa	13 454 547	123 018	17	12
n. Huroson	1 743 012	18 098	2	13
n. SHahrituz	8 594 089	111 039	7	16
n. Qubodiyon	4 614 881	78 072	2	42
n. Qumsangir	1 544 333	13 660	2	44
n. J. Rumi	2 963 566	43 030	2	22
n. Jilikul	3 410 361	48 167	2	25
Bokhtar	641 441	14 754	1	19
Vakhsh	1 352 282	15 589	2	10
n. Dangara	1 403 933	12 171	2	11

 

Jomi	2 872 440	44 560	2	21
Mintaqai Kulob
sh. Kulob	8 886 531	99 386	10	12
n. Vose	714 345	1 059	1	7
n. Muminobod	333 311	-9 411	2	1
n. Temurmalik	867 614	4 573	2	7
n. Farkhor	4 584 000	74 717	3	23
n. Hovaling	291 116	-126	1	6
n. SHurobod	512 835	2 299	2	4
n. Hamadoni (Moskva)	3 249 631	49 781	2	24
VMKB:
sh. Horug	3 900 998	67 545	4	17
n. Vanj	482 183	3 818	1	8
Qalai Hum	354 722	-906	1	6
n. Ishkoshim	406 137	1 442	1	7
n. Murgob	223 160	-15 754	2	2
n. Roshqala	350 874	536	1	6
n. Rushon	908 468	15 107	1	20
Sagirdasht	84 560	-8 267	1	1
Hamagi	271 730 889	3 049 361	229	miyona-17

Tibqi jadvali mazkur muayyan meshavad, ki az 138-sokhtori Bonk, 12-adad bo zarar dar samti intiqoli mablagho faoliyat kardand (6 filial va 6 shubahoi amaliyoti). Az jumla, filiali Bonk dar d. Sagirdasht, Qalai Hum, Murgob, Muminobod, Hovaling, Varzob va SHubahoi amaliyoi dar dehai Baljuvon, Dahana (sh.Kulob), Inom (SHahrituz), Lohuti 7/4 (f. Ismoili Somoni), Almos va Madina (sh.Hujand) inchunin Markazi Hizmatrasonii Bonkii №2.

Digar masalai muhime, ki jolibi diqqat ast in sarborii kormandoni intiqolii sokhtorhoi amaliyoti meboshad. Mutassifona, binobar sababi mavjud nabudani raqamhoi daqiq vobasta ba shumorai intiqolgirandagon (guzarish az RS Bank ba SFT) zarur shumoridem, ki raqamhoi taqribii tahliliro hisob karda muqoisa namoem.

Muayyan shud, ki qismi ziyodi kormandoni intiqoli mablagho vaqti izofa baroi khizmatrasoni kardani digar mahsulothoi bonkro dorand.

Masalan, agar dar 1-soat yak kormand 2 mizoji intiqolgirandaro haddi aqal khizmatrasoni namoyad, pas dar davomi yak ruzi kori barobari 16-mizoj meshavad. Lekin tahlilho nishon medihand, ki dar nizomi JSK «SomonBonk» az in nishondihanda kamtar, kormandoni 21-sokhtor az jumla: filiali Bonk dar n. Varzob, Fayzobod, Muminobod, Temurmalik, SHurobod, Vanj, Murgob va digaron sarbori kamtar dorand, dar hole, ki dar basti koriashon 2 va ziyoda kormandi intiqoli mablagho dorand. Binobar in, peshnihod menamoem, ki yake az kormandi khudro ba sohahoi digari faoliyati sudmandi bonki ravona gardonand yo hamzamon digar korhoi tijoratii bonkro amali namoyand.

Dar majmu boshad, ba hisobi miyona (tahlili), mablagi vositahoi asosie, ki Bonk dar samti intiqoli mablagho ravona kardaast 13,6 mln. somoniro tashkil medihad, ki in asosan, binoi kori, mizi korii kormandon, kompyuter va ba monandi inho buda 9,4%-i majmui vositahoi asosii Bonkro tashkil medihad.

Muvofiqi hisobu tahlilhoi guzaronidashuda, dar chor mohi soli jori az amaliyai tijorati zikrshuda 7 713 375 somoni daromad girifta shuda boshad, pas kharojot mablagi 4 663 814 somoniro tashkil dodaast. Dar natija, hisobhoi tahlili nishon dodand, ki Bonk dar davrai zikrshuda az in amaliyot 3 049 561 somoni foidai sof giriftaast.

Hangomi tahlil khamchunin muayyan gardid, ki bahisobgirii daromadu kharojotho dar har sokhtor gunogunrang meboshad. Agar dar yak filial kharojothoi dakhldor ba sokhtori khudash ba qayd nagirifta boshad, pas dar digarash inguna kharojotho ba digar hisobho burda shudaand va yo umuman inikos nagardidaand. In holat dar ravandi tahlilkuni dushvori ba miyon ovard va moro vodor kard, ki dar baze holatho, raqamhoi voqei ne, balki raqamhoi takhminii ba haqiqat nisbatan muvofiqbudaro hisob namoem (masalan, kharojothoi inkasatsioni, bekhatari, kharojotho to barqarorshavaii intikol va gayra).

Ba khotiri tafsiri in holat, ruykhat va hajmi kharojothoe, ki vobasta ba intiqoli mablagho aloqamand meboshad dar jadvali zerin ovarda shudaand.

№	Nomgui kharojot	Hajmi kharojot
1	Maosh	708 556
2	Mukofotpuli	396 470
3	Istehlok (amortizatsiya)*	290 843
4	Kuvvai barq*	74 005
5	Aloqa (telefon va internet)*	196 038
6	Inkasatsiya	168 665
7	Bekhatari*	221 627
8	Ijorai bino*	204 867
9	Harojothoi konselyari	100 563
10	Fondi hifzi ijtimoii aholi (FSZN)	276 307
11	Andozi minimali (1%)	77 134
12	Andozi fondi roh (2%)	112 937
13	Andoz az daromad (25%)	964 258
14	Haridani asori khoriji az bonkhoi sharik	105 544
15	Aznavbahodihii asori khoriji	0
16	Istifodai zakhirahoi jalbshavanda (pasandozho) to barqarorshavii intiqol	586 000
17	Digar kharojothoi gayri mustaqim	180 000
Hamagi bo somoni		4 663 814

Ezoh: Zeri kharojothoi gayrimustaqim asosan, qismi maoshi kormandoni aloqamande, ki ba in kor vobasta budand, masalan rohbaroni sokhtorho, khazinadoron va gayra mahsub meshavand.

* Usuli hisob kardani istehlok tariqi mablagi umumii istehloki har yak filial ba shumorai umumii kormandonashon taqsim shuda ba shumorai umumii kormandone, ki mahz ba intiqoli mablagho dar onho mashguland zarb zada hisob karda shudaast. Hamchunin digar kharojothoi marbuta ba chunin usul hisob karda shudaast.

Boyad qayd kard, ki mahz intiqoli mablagho baroi beshtar giriftani daromad az amaliyot bo asori khoriji, sababgor gashtaast. Mutobiqan dar davrai tahlilshavanda Bonk az amaliyot bo asori khoriji ba mablagi 11,4 mln. somoni daromadi sof dida boshad az on na kam az 4,9 mln. somoni yo 43%-i onro mahz az hisobi furushi rubli rusi ba dast omadaast. Agar daromad az hisobi furushi dollari IMA-ro ba nazar girem, pas in raqam az 5 mln. somoni ziyod metavon bud.

Guftahoi bolo shahodat az on medihand, ki mahz Saridorai bonk az sokhtorhoi amaliyotii khud dollari IMA-ro bo narkhi nisbatan arzon dastras menamoyad va asosan in asorhoe meboshand, ki sokhtorho az hisobi mubodilai intiqoli mablaghoi muhojiron ba dast ovardaand. YAne mahz intiqoli mablagho sababgori ziyod gardidani daromadi JSK «SomonBonk» va tamin shudan bo asori khoriji meboshad, ki dar holathoi mukhtalif Bonk talabothoi asorii khudro az in sarchashmaho qone gardonida istodaast. Baroi misol, Bonk dar davrai tahlilshavanda 3 mlrd. 770 mln. rubli rusii mablaghoi intiqoliro pardokht karda 919 mln. rublro ba khorij irsol namudaast. Hamzamon mablagi 368 mln. rublro az bonkhoi shariki dokhili dastras karda, boqimonda 2,5 mlrd. rublro az bozor kharidori karda ba mizojon furukhtaast. In tanho ba misoli rubli rusi meboshad, vale nisbati dollari IMA va Evro, bo nazradoshti mavjud budani sababhoi malum, tarzi hisbu kitob kardani on nihoyat dushvor meboshad va vaqti beandozaro talab menamoyad.

Raqamhoi inikosgardida hamchunin daleli onand, ki Bonk mablagi ziyodi asorii qonekunandai khudro az hisobi bozor tamin menamoyad. Albata, malum ast, ki dar samti tamin bo dollari IMA chandon dushvori mavjud nest, chunki filialho dollarro az bozor va yo az saridora dastras menamoyand. Vale mushkilot asosan bo rubli rusi mavjud ast va tamini on dar baze holatho az digar bonkho, az jumla BMT, Oriyonbonk va Kazkomersbank bo kharojothoi ilovagi dastras karda meshavand.

Dar davrai tahlilshavanda JSK «SomonBonk» hamagi ba mablagi 32,3 mln. somoni vositahoi puliyu moliro baroi peshburdii tijorati intiqoli mablagho ravona kardaast, ki az on vositahoi asosi ba mablagi 13,6 mln. somoni, naqdina taqriban 14 mln. somoni va kharojothoi istehsolii tagyiryobanada, az qabili maosh, andozho va gayraho mablagi 4,7 mln. somoniro tashkil dodand. Dar holati ba takhir aftodani mablagi barqarorshavanda az tarafi bonkhoi sharik (nizomhoi intiqoli), Bonk majbur meshavad, ki az hisobi zakhirahoi jalbshavandai digar onro muvaqqatan pushonad. Dar in holat, ba hisobi miyona: 14 mln. somoni kh 15,5%* – qimmati miyonai solonai zakhiraho bo hamai asorho /100 = 2,14 mln. somoni / 360 ruz = 6027 somoni dar yak ruz kharojoti ilovagi doshta boshad.

Agar Bonk in hajmi mablaghoro dar yagon tashkiloti moliyavi hamchun pasandoz bo arzishi 14%-i solona meguzosht, pas foidai sof ba hisobi miyona mablagi na kamtar az 1,5 mln. somoniro dar davomi 4 moh tashkil menamud. Dar asl boshad, foidai sof az in amaliyot mablagi 3 049 561 somoniro tashkil karda istodaast. Az in malum megardad, ki JSK «SomonBonk» az amaliyot bo intiqoli mablagho nisbat ba on, ki ba digar samthoi alternativii faoliyati moliyavi ravona namoyad, beshtar foida girifta istodaast!

Nomgui sababhoe, ki boisi kam shudani daromadi Bonk az amaliyothoi intiqoli mablagho meshavand va saddi rohi rushdi on megardand:

1. Joygirshavii sokhtori khizmatrason chandon dar joyi seraholi yo obod maskan nadorad. Hususan filialhoe, ki dar nohiyahoi kuhi meboshand;
2. Dushvori bo tamini quvvai barq dar faslhoi sard, khususan dar holathoi favquloda;
3. Bazan bo naqdina sarivaqt tamin nashudani sokhtorhoi amaliyoti;
4. Raqobati shadid dar bayni tashkilothoi moliyavi dar mintaqahoi kishvar;
5. Harojothoi istehsoli nisbatan garon meboshand. Makhsusan baroi davrai sarmo ba tamomi filialho baroi kharidani suzishvori (baroi dvijok) zarur ast;
6. Tamini nomutadil bo aloqa va interenet;
7. Muomilai durusht yo nodurust bo mizojon;
8. Mablaghoi barqarorshavanda az 2-ruz ziyodtar mavjudand;
9. Mavqei kushodai asori dar baze holatho boisi zarari gayrichashmdosht shuda metavonad.

HULOSA:

1. Baroi JSK «SomonBonk» faliyati tijorati dar samti intiqoli mablagho dar davrai zikrshavanda foidanok buda daromadnokii on 65% (rentabelnost) va nishondihandai CIR-29,4% meboshad, ki in az nishondihandahoi bozori va talabothoi qabulshuda qarib du marotiba behtar ast;
2. Alhol ba hisobi miyona JSK «SomonBonk» az nizomhoi intiqolii mablagho bo arzishi 0,54%-i solona daromad girifta istodaast va nuqtai bezarar (tochka bezubitochnosti) az in amaliyot, dar holati komissiya khizmatrasonii sofi ba dushi JSK «SomonBonk», 0,33% boqi mondan ba shumor meravad. Nuqtai daromadnokii nihoi baroi tavsiya na kamtar az 0,47% peshkash megardad;
3. Az tarafi digar boyad qayd kard, ki dar yak ruz ba hisobi miyona Bonk 3,3 mln. dollari IMA-ro intiqol medihad, ki az on 36 haz. somoni foidai sof megirad. Vale agar dar yak ruz az 2,2 mln. dollari IMA kamtar intiqol shavad, pas allakay faoliyati mazkur kamdaromad hisobida meshavad. Dar holati az 1,53 mln. dollari IMA kamtar dar yak ruz intiqol dodan, bonk az in amaliyot zarar mebinad;
4. Tibqi tahlilho agar nuqtai intiqoli mablagho dar yak moh, ba hisobi miyona, muodil bo dollari IMA az 50 haz. kamtar intiqol namoyad, pas alakay in sokhtor zararnok hisobida meshavad;
5. Az bemasuliyati yo in, ki beahmiyatii front va bek ofishoi kormandoni bo mablaghoi intiqoli saru kordoshta barmeoyad, ki yak qismi mablaghoe pardokht shudavu vale sari vakt barqaror nashuda vujud dorand. Az in lihoz, Bonk majbur ast, ki nisbati in mablaghoi barqarornashuda zakhira tashakkul dihad. CHunin holat metavonad kharojoti ilovagii digarro talab namoyad. Az rui tahlilhoi qismati Direksiya moliyavi ba kholati 01.06.2012s., mablaghoi barkarornashuda dar: Saridora – 301 410 dollari IMA, Sokhtorhoi bo barnomai SFT kor mekarda – 2 241 552 rubli rusi va 150 256 dollari IMA, mintaqai Qurgonteppa – 302 640 rubli rusi va 55 708 dollari IMA meboshad. In mablagho asosan tuli solhoi qabli tashakkul yoftaand;
6. Zaruriyati rushd dodani hajmu sifati intiqoli mablagho va beshtar kardani sahmi Bonk dar in bozor boisi ziyod shudani daromadnoki gardida metavonad;
7. Sokhtorhoi dakhldor vobasta ba kambudihoi zikrshuda chorahoi zaruriro andeshida har moh az natijai ijroishi on ba azoyoni rayosati Bonk akhborot manzur namoyand;
8. Sokhtorhoe, ki az amaliyoti intiqoli mablagho zarar dida istodaand, chorahoi rahoi az in holatro juyand.

Nishondihandahoi ovardashuda tanho ba amaliyothoi intiqolie, ki be kushodani surathisob ba amal barovarda meshavand aloqamand hastand. Agar nishondihandahoi intiqoli mablaghoe, ki bo kushodani surathisob aloqmand meboshand ba nazar girem, pas foidai sof az in amaliyot ba mablagi taqriban 1 mln. somoni beshtar meshavad.

Dar intiho qayd kardan ba mavrid ast, ki dar holati sifatan behtar shudani samaranokii kori sokhtorhoi amaliyoti dar samti intiqoli mablagho va to andozae barataraf namudani kambudihoi mavjuda, ehtimoliyati beshtar giriftani daromad imkonpazir ast.

Rohbari Rayosati

ittilooti-tahlili                                                 Saidov R.L.