{"id":42151,"date":"2024-09-21T05:48:55","date_gmt":"2024-09-21T05:48:55","guid":{"rendered":"https:\/\/althaeeralarabe.com\/?p=42151"},"modified":"2024-09-21T05:49:12","modified_gmt":"2024-09-21T05:49:12","slug":"%d8%a8%d9%86%d9%83-%d9%85%d8%b5%d8%b1-%d9%8a%d8%ad%d9%82%d9%82-%d8%b7%d9%81%d8%b1%d8%a9-%d9%87%d8%a7%d8%a6%d9%84%d8%a9-%d9%81%d9%8a-%d9%85%d8%b9%d8%af%d9%84%d8%a7%d8%aa-%d9%86%d9%85%d9%88-%d8%ac-2","status":"publish","type":"post","link":"https:\/\/althaeeralarabe.net\/?p=42151","title":{"rendered":"\u0628\u0646\u0643 \u0645\u0635\u0631 \u064a\u062d\u0642\u0642 \u0637\u0641\u0631\u0629 \u0647\u0627\u0626\u0644\u0629 \u0641\u064a \u0645\u0639\u062f\u0644\u0627\u062a \u0646\u0645\u0648 \u062c\u0645\u064a\u0639 \u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0628\u0646\u0647\u0627\u064a\u0629 \u062f\u064a\u0633\u0645\u0628\u0631 2023 \u0648\u064a\u0642\u0641\u0632 \u0628\u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0631\u0628\u0627\u062d\u0647 \u0642\u0628\u0644 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0625\u0644\u064980.9 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0645\u0635\u0631\u064a \u0645\u062a\u0636\u0645\u0646\u0629 \u0645\u0628\u0644\u063a 28 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0645\u0635\u0631\u064a \u0644\u0644\u0636\u0631\u0627\u0626\u0628 \u0644\u064a\u0635\u0644 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2023 \u0625\u0644\u0649 52.9 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0645\u0635\u0631\u064a\u0648\u064a\u062d\u0635\u062f 90 \u062c\u0627\u0626\u0632\u0629 \u0648\u0645\u0631\u0643\u0632\u0627\u064b \u0645\u062a\u0642\u062f\u0645\u0627\u064b \u0645\u0646 \u0643\u0628\u0631\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0639\u0646 \u0639\u0627\u0645 2023"},"content":{"rendered":"

\"\"\u0627\u0639\u062a\u0645\u062f\u062a \u0627\u0644\u062c\u0645\u0639\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0628\u0646\u0643 \u0645\u0635\u0631 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 <\/span><\/span>\u0644\u0644\u0633\u0646\u0629<\/span><\/span>\u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 <\/span><\/span>\u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2023<\/span><\/span>\u060c<\/span><\/span> \u0648 \u0642\u062f <\/span><\/span>\u0623\u0638\u0647\u0631\u062a \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 <\/span><\/span>\u0644\u0623\u062f\u0627\u0621<\/span><\/span> \u0623\u0639\u0645\u0627\u0644 \u0627\u0644<\/span><\/span>\u0628\u0646\u0643 <\/span><\/span>\u062a\u062d\u0642\u064a\u0642 \u0637\u0641\u0631\u0629 \u0641\u064a \u0645\u0639\u062f\u0644\u0627\u062a \u0646\u0645\u0648 \u062c\u0645\u064a\u0639 \u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u061b \u0641\u0642\u062f \u0628\u0644\u063a \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u0645\u0627\u0644\u064a \u0646\u062d\u0648 <\/span><\/span>2<\/span><\/span>.<\/span><\/span>6<\/span><\/span> \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0628\u0646\u0647\u0627\u064a\u0629 \u062f\u064a\u0633\u0645\u0628\u0631 202<\/span><\/span>3<\/span><\/span> \u0645\u0642\u0627\u0628\u0644 <\/span><\/span>2.2<\/span><\/span> \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0641\u064a <\/span><\/span>\u062f\u064a\u0633\u0645\u0628\u0631<\/span><\/span>202<\/span><\/span>2<\/span><\/span> \u0628\u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0642\u0627\u0631\u0628 <\/span><\/span>14.9<\/span><\/span> %\u060c \u0648\u0642\u0641\u0632 \u0631\u0635\u064a\u062f \u0635\u0627\u0641\u064a \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0646\u0633\u0628\u0629 <\/span><\/span>32.9<\/span><\/span> % \u0644\u064a\u0635\u0644 \u0625\u0644\u0649 <\/span><\/span>911.9<\/span><\/span> \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0645\u0642\u0627\u0628\u0644 <\/span><\/span>686.3<\/span><\/span> \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0641\u064a <\/span><\/span>\u062f\u064a\u0633\u0645\u0628\u0631<\/span><\/span> 202<\/span><\/span>2<\/span><\/span> \u0646\u062a\u064a\u062c\u0629 \u0644\u0646\u0645\u0648 <\/span><\/span>\u0625<\/span><\/span>\u062c\u0645\u0627\u0644\u064a <\/span><\/span>\u0642\u0631\u0648\u0636 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0628\u0646\u0633\u0628\u0629 <\/span><\/span>20.9<\/span><\/span> % \u0648\u0646\u0645\u0648 <\/span><\/span>\u0625\u062c\u0645\u0627\u0644\u064a <\/span><\/span>\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0628\u0646\u0633\u0628\u0629 <\/span><\/span>36.6<\/span><\/span> %\u060c \u0643\u0645\u0627 \u0634\u0647\u062f \u0631\u0635\u064a\u062f \u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0646\u0645\u0648\u0627\u064b \u0628\u0646\u0633\u0628\u0629 <\/span><\/span>8.6<\/span><\/span>% \u0644\u064a\u0635\u0644 \u0631\u0635\u064a\u062f\u0647\u0627 \u0625\u0644\u0649 <\/span><\/span>1.9<\/span><\/span> \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0645\u0642\u0627\u0628\u0644 <\/span><\/span>1.7<\/span><\/span> \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0641\u064a <\/span><\/span>\u062f\u064a\u0633\u0645\u0628\u0631<\/span><\/span> 202<\/span><\/span>2<\/span><\/span>.<\/span><\/span><\/p>\n

\u0647\u0630\u0627 \u0648\u0642\u062f \u0642\u0641\u0632 \u0627\u0644\u0628\u0646\u0643 \u0628\u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0631\u0628\u0627\u062d\u0647 \u0642\u0628\u0644 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0625\u0644\u0649 <\/span><\/span>80.9<\/span><\/span>\u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 <\/span><\/span>\u0645\u062a\u0636\u0645\u0646\u0629 \u0645\u0628\u0644\u063a <\/span><\/span>28<\/span><\/span> \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0644\u0644\u0636\u0631\u0627\u0626\u0628 \u0644\u064a\u0635\u0644 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0639\u0646 <\/span><\/span>\u0627\u0644\u0633\u0646\u0629<\/span><\/span> \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 202<\/span><\/span>3<\/span><\/span>\u0625\u0644\u0649 <\/span><\/span>52.9<\/span><\/span> \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647<\/span><\/span>.<\/span><\/span><\/p>\n

\u0648\u0642\u062f \u0628\u0644\u063a\u062a \u0646\u0633\u0628\u0629 \u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u0645\u062a\u0648\u0633\u0637 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629<\/span><\/span> ROAE <\/span><\/span>\u0646\u062d\u0648 31.2<\/span><\/span>3<\/span><\/span>% \u0645\u0642\u0627\u0628\u0644 \u0646\u062d\u0648 19.25% \u0641\u064a \u062f\u064a\u0633\u0645\u0628\u0631 2022\u060c \u0648\u0646\u0633\u0628\u0629 \u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0623\u0635\u0648\u0644 <\/span><\/span>ROAA<\/span><\/span> \u0646\u062d\u0648 2.1<\/span><\/span>4<\/span><\/span> % \u0645\u0642\u0627\u0628\u0644 1.3<\/span><\/span>4<\/span><\/span> % \u0641\u064a \u062f\u064a\u0633\u0645\u0628\u0631 2022\u060c \u0645\u0639\u062f\u0644 \u0635\u0627\u0641\u064a \u0627\u0644\u0639\u0627\u0626\u062f <\/span><\/span>NIM<\/span><\/span> \u0646\u062d\u0648 5.05% \u0645\u0642\u0627\u0628\u0644 3.23 % \u0641\u064a \u062f\u064a\u0633\u0645\u0628\u0631 2022\u060c \u0648\u0646\u0633\u0628\u0629 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0625\u0644\u0649 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a <\/span><\/span>CIR<\/span><\/span>\u0646\u062d\u0648 23.01% \u0645\u0642\u0627\u0628\u0644 32.75% \u0641\u064a \u062f\u064a\u0633\u0645\u0628\u0631 2022.<\/span><\/span><\/p>\n

<\/a>\u0648\u0645\u0646 \u0627\u0644\u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0630\u0643\u0631 \u0632\u064a\u0627\u062f\u0629 \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u062a\u062c\u0632\u0626\u0640\u0640\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0628\u0645\u0639\u062f\u0644<\/span><\/span> \u0646\u0645\u0648 <\/span><\/span>20.9<\/span><\/span> % \u0639\u0646 \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0628\u0646\u0647\u0627\u064a\u0629 \u062f\u064a\u0633\u0645\u0628\u0631 <\/span><\/span>2022<\/span><\/span>\u060c <\/span><\/span>\u0643\u0645\u0627 \u062a\u062e\u0637\u0649 \u0639\u062f\u062f \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0635\u062f\u0631\u0629 <\/span><\/span>\u00a0<\/span><\/span>16.05<\/span><\/span>\u0645\u0644\u064a\u0648\u0646 \u0628\u0637\u0627\u0642\u0629 \u062a\u0639\u0645\u0644 \u0623\u063a\u0644\u0628\u0647\u0627 \u0628\u0646\u0638\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u062d\u0629 \u0627\u0644\u0630\u0643\u064a\u0629<\/span><\/span> Smart Chip <\/span><\/span>\u0644\u064a\u0635\u0628\u062d \u0628\u0646\u0643 \u0645\u0635\u0631 \u0641\u064a \u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u062b\u0627\u0646\u064a \u0641\u064a \u0639\u062f\u062f \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0635\u0631\u064a\u0629\u060c <\/span><\/span>\u0648\u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0627\u0646 \u0628\u0646\u0643 \u0645\u0635\u0631<\/span><\/span> \u062d\u0642\u0642 \u0646\u0633\u0628 \u0646\u0645\u0648 \u062e\u0644\u0627\u0644 2023 \u0628\u0644\u063a\u062a <\/span><\/span>%<\/span><\/span>95<\/span><\/span> \u0645\u0646 <\/span><\/span>\u0625<\/span><\/span>\u062c\u0645\u0627\u0644\u064a \u0642\u064a\u0645 \u0645\u062d\u0641\u0638\u0629 \u0642\u0628\u0648\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629<\/span><\/span> (\u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 \u0628\u0646\u0633\u0628\u0629 <\/span><\/span>53<\/span><\/span> %<\/span><\/span> \u0648\u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 300%<\/span><\/span> \u0648\u0631\u0645\u0632 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0627\u0644\u0633\u0631\u064a\u0639 \u0628\u0646\u0633\u0628\u0629 120%) \u0628<\/span><\/span>\u0625<\/span><\/span>\u062c\u0645\u0627\u0644\u064a \u0639\u062f\u062f <\/span><\/span>640<\/span><\/span> \u0623\u0644\u0641 <\/span><\/span>\u0646\u0642\u0637\u0629<\/span><\/span>\u0628\u064a\u0639 \u0648\u0623\u0643\u062b\u0631 \u0645\u0646 <\/span><\/span>6000<\/span><\/span> \u0645\u0648\u0642\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648<\/span><\/span> 1.6 \u0645\u0644\u064a\u0648\u0646 \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0643\u062a\u0631\u0648\u0646<\/span><\/span>\u064a\u0629\u060c \u0648\u064a\u0648\u0641\u0631<\/span><\/span> \u0627\u0644\u0628\u0646\u0643 \u0628\u062a\u0644\u0643 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0623\u062d\u062f\u062b \u0622\u0644\u0627\u062a \u0627\u0644\u0640<\/span><\/span> POS <\/span><\/span>\u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062f\u0648\u0644\u064a\u0629<\/span><\/span> \u00a0<\/span><\/span>\u00a0(PCI DSS)<\/span><\/span> \u0648\u0630\u0644\u0643 \u0628\u0625\u0635\u062f\u0627\u0631\u0647\u0627 \u0627\u0644\u0623\u062d\u062f\u062b 3.2.1 \u0637\u0628\u0642\u0627\u064b \u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629<\/span><\/span>.<\/span><\/span><\/p>\n

\u0647\u0630\u0627 \u0648\u064a\u0648\u0644\u064a \u0628\u0646\u0643 \u0645\u0635\u0631 \u0627\u0647\u062a\u0645\u0627\u0645\u0627\u064b \u0643\u0628\u064a\u0631\u0627\u064b \u0628\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u064a\u0639\u0645\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0639\u062f\u0629 \u0645\u062d\u0627\u0648\u0631 \u062a\u0645\u0627\u0634\u064a\u0627\u064b \u0645\u0639 \u062e\u0637\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0644\u062a\u0639\u0632\u064a\u0632 \u062c\u0647\u0648\u062f \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0646 \u0623\u0647\u0645\u0647\u0627\u061b \u0627\u0644\u062a\u062d\u0648\u0644 \u0645\u0646 \u0627\u0644\u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u0646\u0642\u062f\u064a \u0625\u0644\u0649 \u0627\u0644\u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u0644\u0627\u0646\u0642\u062f\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u062f\u0639\u0645 \u0648\u062a\u062d\u0641\u064a\u0632 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0630\u0644\u0643 \u062a\u0645\u0627\u0634\u064a\u0627\u064b \u0645\u0639 \u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u0642\u0648\u0645\u064a \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0628\u0631\u0626\u0627\u0633\u0629 \u0631\u0626\u064a\u0633 \u0627\u0644\u062c\u0645\u0647\u0648\u0631\u064a\u0629\u060c \u0628\u0647\u062f\u0641 \u062e\u0641\u0636 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0646\u0642\u062f \u062e\u0627\u0631\u062c \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0648\u062f\u0639\u0645 \u0648\u062a\u062d\u0641\u064a\u0632 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0648\u0633\u0627\u0626\u0644 \u0648\u0627\u0644\u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u062f\u0641\u0639 \u0628\u062f\u0644\u0627\u064b \u0639\u0646\u0647<\/span><\/span>\u060c<\/span><\/span>\u0648\u0641\u064a \u0633\u0628\u064a\u0644 \u0630\u0644\u0643 \u0648\u062d\u0631\u0635\u0627\u064b \u0639\u0644\u0649 \u062a\u0644\u0628\u064a\u0629 \u0643\u0627\u0641\u0629 \u0631\u063a\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0641\u0642\u062f \u0642\u0627\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u0645\u062e\u062a\u0644\u0641\u0629 \u0644\u0645\u064a\u0643\u0646\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0627\u062a \u0645\u0648\u062c\u0647\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u0642\u0637\u0627\u0639 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0648\u0627\u0644\u062e\u0627\u0635 \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u0642\u062f\u064a\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0645\u0646\u062a\u062c\u0627\u062a \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u062a\u0628\u0627\u062a (\u0628\u0637\u0627\u0642\u0627\u062a \u0645\u0631\u062a\u0628\u0627\u062a – \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0631\u062a\u0628\u0627\u062a) \u062d\u064a\u062b \u0628\u0644\u063a \u0639\u062f\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0627\u0642\u062f\u0629 \u0645\u0639 \u0627\u0644\u0628\u0646\u0643\u00a0<\/span><\/span>4327<\/span><\/span> \u0634\u0631\u0643\u0629 \u0628\u0639\u062f\u062f \u0628\u0637\u0627\u0642\u0627\u062a <\/span><\/span>2.246<\/span><\/span> \u0645\u0644\u064a\u0648\u0646 \u0628\u0637\u0627\u0642\u0629 \u0648\u0643\u0630\u0644\u0643 \u0645\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 <\/span><\/span>297<\/span><\/span> \u0623\u0644\u0641 \u062d\u0633\u0627\u0628<\/span><\/span>\u060c<\/span><\/span> \u0648\u0630\u0644\u0643 \u0628\u062e\u0644\u0627\u0641 \u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u0644\u0636\u0631\u0627\u0626\u0628 \u0648\u0627\u0644\u062c\u0645\u0627\u0631\u0643<\/span><\/span>.<\/span><\/span> \u0648\u0639\u0644\u0649 \u0635\u0639\u064a\u062f \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0641\u0642\u062f \u0639\u0645\u0644 \u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0633\u0639 \u0641\u064a \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0628\u0646\u0643 \u0645\u0635\u0631 <\/span><\/span>BM Wallet<\/span><\/span> \u0648\u0627\u0644\u062a\u064a \u0628\u0644\u063a\u062a \u0646\u062d\u0648<\/span><\/span>1.6<\/span><\/span>\u0645\u0644\u064a\u0648\u0646 \u0645\u062d\u0641\u0638\u0629 <\/span><\/span>\u0644\u0644\u0628\u0646\u0643 <\/span><\/span>\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u064a<\/span><\/span> 1.047 \u0645\u0644\u064a\u0648\u0646 \u0645\u062d\u0641\u0638\u0629 \u062a\u0627\u0628\u0639\u064a\u0646 \u0644\u062e\u062f\u0645\u0629 <\/span><\/span>WE Pay<\/span><\/span> \u0641\u064a <\/span><\/span>\u062f\u064a\u0633\u0645\u0628\u0631<\/span><\/span>2023<\/span><\/span>\u060c \u0648\u0630\u0644\u0643 \u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u0628\u0646\u0643\u060c \u0645\u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0639\u062a\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0645\u0646\u062a\u062c \u0641\u064a \u062a\u0646\u0641\u064a\u0630 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0648\u0633\u062f\u0627\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629.<\/span><\/span><\/p>\n

\u0648\u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0630\u0643\u0631 \u0623\u0646 \u0628\u0646\u0643 \u0645\u0635\u0631 \u064a\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u0623\u0648\u0644 \u0644\u0644\u0639\u0627\u0645 <\/span><\/span>\u0627\u0644\u062b\u0627\u0645\u0646<\/span><\/span>\u0639\u0634\u0631 \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0627\u0644\u064a \u0645\u0646\u0630 \u0628\u062f\u0621 \u0645\u0646\u0638\u0648\u0645\u0629 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0645\u064a\u0643\u0646\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0627\u062a \u0641\u064a 2005\u060c \u0648\u0630\u0644\u0643 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0638\u0648\u0645\u0629 \u0628\u062d\u0635\u0629 \u0633\u0648\u0642\u064a\u0629 \u0628\u0644\u063a\u062a 48 % \u0648\u0628\u0639\u062f\u062f \u0628\u0637\u0627\u0642\u0627\u062a \u0628\u0644\u063a <\/span><\/span>2.304<\/span><\/span> \u0645\u0644\u064a\u0648\u0646 \u0628\u0637\u0627\u0642\u0629 \u062a\u062e\u0635 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0627\u0642\u062f\u0629 \u0645\u0639 \u0627\u0644\u0628\u0646\u0643 \u0648\u0639\u062f\u062f\u0647\u0627 <\/span><\/span>1126<\/span><\/span> \u062c\u0647\u0629\u060c \u0643\u0645\u0627 \u0628\u0644\u063a\u062a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0627\u062a \u0644\u0643\u0644\u0627 \u0627\u0644\u0642\u0637\u0627\u0639\u064a\u0646 \u0627\u0644\u0639\u0627\u0645 \u0648\u0627\u0644\u062e\u0627\u0635 \u0645\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 <\/span><\/span>187.3<\/span><\/span> \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0633\u0646\u0648\u064a\u0627\u064b \u064a\u062a\u0645 \u062a\u062d\u0648\u064a\u0644\u0647\u0627 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0628\u0646\u0643<\/span><\/span>.<\/span><\/span><\/p>\n

\u0648\u0641\u064a \u0625\u0637\u0627\u0631 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u064a\u062d\u0631\u0635 \u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u0625\u062a\u0627\u062d\u0629 <\/span><\/span>\ufe8d\ufedf\ufea8\ufeaa\ufee3\ufe8e\ufe95<\/span><\/span> \ufe8d\ufedf\ufee4\ufe8e\ufedf\ufef4\ufe94<\/span><\/span> \ufedf\ufee4\ufea8\ufe98\ufee0\ufed2<\/span><\/span>\ufed3\ufe8c\ufe8e\ufe95<\/span><\/span> \ufe8d\ufedf\ufee4\ufea0\ufe98\ufee4\ufeca<\/span><\/span> \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u061b \u0644\u0630\u0627 \u064a\u0639\u0645\u0644 \u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u0627\u0646\u062a\u0634\u0627\u0631 \u0641\u0631\u0648\u0639\u0647 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062c\u0645\u0647\u0648\u0631\u064a\u0629 \u0644\u064a\u0635\u0628\u062d \u0628\u0646\u0643 \u0645\u0635\u0631 \u0627\u0644\u0623\u0642\u0631\u0628 \u0644\u0639\u0645\u0644\u0627\u0626\u0647 \u0623\u064a\u0646\u0645\u0627 \u0648\u062c\u062f\u0648\u0627\u060c \u0647\u0630\u0627 \u0648\u0642\u062f \u062a\u0645 \u0627\u0641\u062a\u062a\u0627\u062d \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0641\u0631\u0648\u0639 \u0644\u064a\u0635\u0628\u062d \u0628\u0630\u0644\u0643 \u0628\u0646\u0643 \u0645\u0635\u0631 \u0635\u0627\u062d\u0628 \u0623\u0643\u0628\u0631 \u0634\u0628\u0643\u0629 \u0641\u0631\u0648\u0639 \u0628\u0646\u062d\u0648 <\/span><\/span>852<\/span><\/span>\u00a0 \u0641\u0631\u0639\u0627\u064b \u0648\u0648\u062d\u062f\u0629 \u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u0646\u062a\u0634\u0631\u0629 \u0628\u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u062c\u0645\u0647\u0648\u0631\u064a\u0629 \u0628\u0646\u0647\u0627\u064a\u0629 <\/span><\/span>\u064a\u0648\u0644\u064a\u0648<\/span><\/span> 2024<\/span><\/span>\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u062a\u0648\u0627\u062c\u062f\u0647 \u0625\u0642\u0644\u064a\u0645\u064a\u0627\u064b \u0648\u0639\u0627\u0644\u0645\u064a\u0627\u064b \u0628\u0641\u0631\u0648\u0639 \u0641\u064a \u0643\u0644\u0627 \u0645\u0646 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0648\u0641\u0631\u0646\u0633\u0627\u060c \u0648\u0628\u0646\u0648\u0643 \u062a\u0627\u0628\u0639\u0629 \u0641\u064a \u0643\u0644\u0627 \u0645\u0646\u00a0 \u0644\u0628\u0646\u0627\u0646 \u0648\u0623\u0644\u0645\u0627\u0646\u064a\u0627\u060c \u0648\u0643\u0630\u0644\u0643 \u0645\u0643\u0627\u062a\u0628 \u062a\u0645\u062b\u064a\u0644 \u0641\u064a \u0627\u0644\u0635\u064a\u0646 (<\/span><\/span>\u0643\u0648\u0627\u0646\u0632\u0648<\/span><\/span>)\u060c \u0631\u0648\u0633\u064a\u0627 (\u0645\u0648\u0633\u0643\u0648)\u060c \u0643\u0648\u0631\u064a\u0627 \u0627\u0644\u062c\u0646\u0648\u0628\u064a\u0629 (\u0633\u064a\u0648\u0644)\u060c \u0625\u064a\u0637\u0627\u0644\u064a\u0627 (\u0645\u064a\u0644\u0627\u0646\u0648)\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0645\u0643\u062a\u0628 \u062a\u0645\u062b\u064a\u0644 \u0641\u064a \u0643\u064a\u0646\u064a\u0627 (\u0646\u064a\u0631\u0648\u0628\u064a). \u0647\u0630\u0627 \u0648\u064a\u0633\u062a\u0647\u062f\u0641 \u0628\u0646\u0643 \u0645\u0635\u0631\u00a0\u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629\u00a0\u0627\u0644\u0642\u0627\u062f\u0645\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0641\u064a \u0642\u0627\u0631\u0629 \u0625\u0641\u0631\u064a\u0642\u064a\u0627\u060c \u0648\u0643\u0630\u0644\u0643 \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0646\u0641\u064a\u0630 \u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0644\u0644\u062a\u0648\u0627\u062c\u062f \u0628\u0641\u0631\u0648\u0639 \u062e\u0627\u0631\u062c\u064a\u0629 \u0641\u064a \u0643\u0644<\/span><\/span>\u0627<\/span><\/span> \u0645\u0646 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0648\u0627\u0644\u0635\u0648\u0645\u0627\u0644\u060c \u0648\u062a\u0623\u0633\u064a\u0633 \u0628\u0646\u0643 \u062a\u0627\u0628\u0639 \u0641\u064a \u062c\u064a\u0628\u0648\u062a\u064a\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u062a\u062d\u0648\u064a\u0644 \u0645\u0643\u062a\u0628 \u062a\u0645\u062b\u064a\u0644 \u0643\u064a\u0646\u064a\u0627 \u0625\u0644\u0649 \u0641\u0631\u0639 \u062e\u0644\u0627\u0644 \u062b\u0644\u0627\u062b \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u0643\u062a\u0628\u060c \u0648\u0643\u0630\u0644\u0643 \u062a\u0623\u0633\u064a\u0633 \u0628\u0646\u0643 \u062a\u0627\u0628\u0639 \u0644\u0628\u0646\u0643 \u0645\u0635\u0631 \u0641\u064a \u0633\u0648\u0642 \u0623\u0628\u0648 \u0638\u0628\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a<\/span><\/span>\u060c <\/span><\/span>\u0647\u0630\u0627 \u0628\u062c\u0627\u0646\u0628 \u0634\u0628\u0643\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u064a\u0646 \u062a\u063a\u0637\u064a \u062c\u0645\u064a\u0639 \u0628\u0644\u062f\u0627\u0646 \u0627\u0644\u0639\u0627\u0644\u0645.<\/span><\/span><\/p>\n

\u0643\u0645\u0627 \u0623\u0646 \u0644\u0628\u0646\u0643 \u0645\u0635\u0631 \u0627\u0644\u0633\u0628\u0642 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0627\u0633\u0644\u0627\u0645\u064a\u0629\u061b \u0644\u0643\u0648\u0646\u0647 \u0623\u0648\u0644 \u0628\u0646\u0643 \u0645\u0646 \u0628\u0646\u0648\u0643 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0639\u0627\u0645 \u064a\u0646\u0634\u0626 \u0641\u0631\u0648\u0639\u0627\u064b \u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 (\u0643\u0646\u0627\u0646\u0629)\u060c <\/span><\/span>\u0648\u0642\u062f \u0628\u0644\u063a \u0639\u062f\u062f\u0647\u0627 57 \u0641\u0631\u0639\u0627\u064b \u0645\u0646\u062a\u0634\u0631\u0629 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u062c\u0645\u0647\u0648\u0631\u064a\u0629 \u0645\u0635\u0631 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0628\u0646\u0647\u0627\u064a\u0629 <\/span><\/span>\u064a\u0648\u0644\u064a\u0648<\/span><\/span> 2024<\/span><\/span>.<\/span><\/span><\/p>\n

\u0647\u0630\u0627 \u0648\u064a\u0645\u062a\u0644\u0643 \u0627\u0644\u0628\u0646\u0643 \u0634\u0628\u0643\u0629 \u0645\u062a\u0637\u0648\u0631\u0629 \u0645\u0646 \u0622\u0644\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a<\/span><\/span> ATM<\/span><\/span>\u062a\u0635\u0644 \u0625\u0644\u0649 \u0645\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 <\/span><\/span>5500<\/span><\/span> \u0622\u0644\u0629 \u0635\u0631\u0627\u0641 \u0622\u0644\u064a \u0628\u0646\u0647\u0627\u064a\u0629 \u062f\u064a\u0633\u0645\u0628\u0631 <\/span><\/span>2023<\/span><\/span>\u060c \u0645\u062c\u0647\u0632\u0629 \u0648\u0645\u0632\u0648\u062f\u0629 \u0628\u0623\u062d\u062f\u062b \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/span><\/span> \u0648<\/span><\/span>\u062a\u0642\u062f\u0645 <\/span><\/span>\u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644<\/span><\/span>\u062e\u062f\u0645\u0627\u062a<\/span><\/span> \u0645\u0646\u0647\u0627\u061b<\/span><\/span> \u0627\u0644\u0633\u062d\u0628 \u0648\u0627\u0644\u0625\u064a\u062f\u0627\u0639\u060c \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u062a\u060c \u0648\u0633\u062f\u0627\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631\u060c \u0648\u0627\u0644\u062a\u0628\u0631\u0639\u0627\u062a\u060c \u0648\u0643\u0630\u0627 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0646\u0642\u062f\u064a\u060c \u0643\u0645\u0627 \u064a\u0642\u062f\u0645 \u0627\u0644\u0628\u0646\u0643 \u062e\u062f\u0645\u0627\u062a \u0623\u062e\u0631\u0649 \u0645\u0633\u062a\u062d\u062f\u062b\u0629\u061b \u062d\u064a\u062b \u064a\u0639\u062f \u0628\u0646\u0643 \u0645\u0635\u0631 \u0623\u0648\u0644 \u0628\u0646\u0643 \u064a\u0648\u0641\u0631 \u062e\u062f\u0645\u0629 \u0627\u0644\u0633\u062d\u0628 \u0648\u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0634\u0628\u0643\u0629 \u0645\u0627\u0643\u064a\u0646\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647<\/span><\/span>.<\/span><\/span><\/p>\n

\u0648\u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0630\u0643\u0631 \u0623\u0646 \u0628\u0646\u0643 \u0645\u0635\u0631 \u0642\u0627\u0645 \u0628\u0627\u062a\u062e\u0627\u0630 \u062e\u0637\u0648\u0627\u062a \u0639\u062f\u0629 \u0646\u062d\u0648 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0645\u0646\u0647\u0627 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u061b \u062a\u062d\u062f\u064a\u062b \u0648\u062a\u0637\u0648\u064a\u0631 \u062e\u062f\u0645\u0629 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0628\u0646\u0643\u064a<\/span><\/span> BM Online<\/span><\/span>\u060c \u0628\u0625\u062a\u0627\u062d\u0629 \u0628\u0627\u0642\u0629 \u062c\u062f\u064a\u062f\u0629 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062e\u062f\u0645\u0629 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u060c \u0647\u0630\u0627 \u0643\u0645\u0627 \u0623\u0637\u0644\u0642 \u0627\u0644\u0628\u0646\u0643 \u0644\u0639\u0645\u0644\u0627\u0626\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0645\u0648\u0628\u0627\u064a\u0644 \u0627\u0644\u0628\u0646\u0643\u064a\u060c \u0648\u064a\u064f\u0639\u062f \u0627\u0644\u0628\u0646\u0643 \u0645\u0646 \u0623\u0648\u0627\u0626\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0637\u0628\u064a\u0642 \u0645\u062d\u0641\u0638\u0629 \u0628\u0646\u0643 \u0645\u0635\u0631<\/span><\/span>“BM Wallet”<\/span><\/span> \u060c<\/span><\/span> \u0643\u0645\u0627 \u0642\u0627\u0645 \u0628\u0646\u0643 \u0645\u0635\u0631 \u0648\u0644\u0623\u0648\u0644 \u0645\u0631\u0629 \u0641\u064a \u0645\u0635\u0631 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/span><\/span> \u0644\u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0629<\/span><\/span> \u00a0 <\/span><\/span>Chat Bot”<\/span><\/span>\u0627\u0644\u0645\u0633\u0627\u0639\u062f \u0627\u0644\u0622\u0644\u064a” <\/span><\/span>\u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0648\u0642\u0639\u0647 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u0630\u0644\u0643 \u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0627\u0644\u0633\u0627\u0639\u0629<\/span><\/span>.<\/span><\/span> \u0643\u0645\u0627 \u064a\u0639\u062f \u0628\u0646\u0643 \u0645\u0635\u0631 \u0623\u0648\u0644 \u0628\u0646\u0643 \u064a\u0648\u0641\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0634\u0631\u0627\u0621 \u0645\u0646 \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0628\u0631\u0645\u0632 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0627\u0644\u0633\u0631\u064a\u0639<\/span><\/span> QR Code<\/span><\/span> \u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u060c \u0648\u0643\u0630\u0644\u0643 \u0642\u0627\u0645 \u0627\u0644\u0628\u0646\u0643 \u0644\u0623\u0648\u0644 \u0645\u0631\u0629 \u0641\u064a \u0645\u0635\u0631 \u0628\u0645\u064a\u0643\u0646\u0629 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631 \u0645\u0646 \u0628\u0646\u0643 \u0645\u0635\u0631 \u0644\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u0641\u0648\u0631\u064a\u0627\u064b<\/span><\/span>.<\/span><\/span><\/p>\n

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\u0643\u0645\u0627 \u064a\u0642\u0648\u0645 \u0628\u0646\u0643 \u0645\u0635\u0631 \u0628\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0648\u0627\u0644\u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0641\u0631\u0648\u0639\u0647 \u0627\u0644\u0645\u0646\u062a\u0634\u0631\u0629 \u0628\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u062d\u0627\u0641\u0638\u0627\u062a \u0648\u0630\u0644\u0643 \u0628\u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u0632\u0631\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u064a\u0629<\/span><\/span>\u060c <\/span><\/span>\u0648\u0642\u062f \u0628\u0644\u063a\u062a \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629<\/span><\/span> \u0648\u0627\u0644\u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631 \u0646\u062d\u0648 <\/span><\/span>54.1<\/span><\/span> \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0628\u0646\u0647\u0627\u064a\u0629 \u062f\u064a\u0633\u0645\u0628\u0631 2023<\/span><\/span>\u060c<\/span><\/span> \u0648\u0628\u0644\u063a <\/span><\/span>\u0639\u062f\u062f \u0639\u0645\u0644\u0627\u0621 \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0645\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 143 \u0623\u0644\u0641 \u0639\u0645\u064a\u0644<\/span><\/span>.<\/span><\/span><\/p>\n

\u0647\u0630\u0627 \u0648\u064a\u062d\u0631\u0635 \u0628\u0646\u0643 \u0645\u0635\u0631 \u062f\u0627\u0626\u0645\u0627\u064b \u0639\u0644\u0649 \u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0644\u0643\u0627\u0641\u0629 \u0634\u0631\u0627\u0626\u062d \u0627\u0644\u0645\u062c\u062a\u0645\u0639 \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0648\u0630\u0644\u0643 \u0628\u0645\u062d\u0627\u0631\u0628\u0629 \u0627\u0644\u0628\u0637\u0627\u0644\u0629 \u0648\u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a \u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u060c \u0648\u0639\u0644\u064a\u0647 \u0641\u0642\u062f \u0627\u0634\u062a\u0631\u0643 \u0628\u0646\u0643 \u0645\u0635\u0631 \u0645\u0639 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0641\u064a \u0628\u0631\u0646\u0627\u0645\u062c “\u0645\u0634\u0631\u0648\u0639\u0643” \u0628\u0647\u062f\u0641 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631 \u0648\u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0634\u0628\u0627\u0643 \u0627\u0644\u0648\u0627\u062d\u062f \u0628\u0627\u0644\u0648\u062d\u062f\u0627\u062a \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0627\u0644\u0645\u0646\u062a\u0634\u0631\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062c\u0645\u0647\u0648\u0631\u064a\u0629\u060c \u0648\u0642\u062f \u0628\u0644\u063a\u062a \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0648\u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631 \u0646\u062d\u0648 <\/span><\/span>7.2<\/span><\/span> \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0628\u0646\u0647\u0627\u064a\u0629 \u062f\u064a\u0633\u0645\u0628\u0631<\/span><\/span>2023.<\/span><\/span><\/p>\n

\u0648\u0642\u062f \u0628\u0644\u063a\u062a \u0642\u064a\u0645\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0645\u0646\u0648\u062d\u0629 <\/span><\/span>\u0645\u0646 \u062e\u0644\u0627\u0644<\/span><\/span> \u0645\u0646\u062a\u062c \u0627\u0643\u0633\u0628\u0631\u064a\u0633<\/span><\/span> \u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629<\/span><\/span> – <\/span><\/span>\u0646\u0645\u0637\u064a<\/span><\/span>–<\/span><\/span> \u0644\u0623<\/span><\/span>\u0643\u062b\u0631 \u0645\u0646 26 \u0623\u0644\u0641 \u0639\u0645\u064a\u0644 <\/span><\/span>\u0645\u0628\u0644\u063a <\/span><\/span>34.8<\/span><\/span>\u00a0<\/span><\/span>\u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2023\u060c \u0628\u064a\u0646\u0645\u0627 \u0628\u0644\u063a\u062a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0627\u062a \u0644\u0645\u0646\u062a\u062c \u0627\u0643\u0633\u0628\u0631\u064a\u0633 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 <\/span><\/span>2023<\/span><\/span>\u0625\u0644\u0649<\/span><\/span>\u00a0<\/span><\/span>4.4<\/span><\/span> \u0645\u0644\u064a\u0627\u0631<\/span><\/span>\u00a0<\/span><\/span>\u062c\u0646\u064a\u0647 \u0645\u0645\u0646\u0648\u062d\u0629<\/span><\/span>\u00a0<\/span><\/span>\u0644\u0646\u062d\u0648<\/span><\/span>\u00a0<\/span><\/span>3485<\/span><\/span>\u00a0<\/span><\/span>\u0639\u0645\u064a\u0644<\/span><\/span>.<\/span><\/span><\/p>\n

\u0648\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0625\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649 \u064a\u0639\u062f \u0628\u0646\u0643 \u0645\u0635\u0631 \u0645\u0646 \u0623\u0643\u0628\u0631 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0643\u0627\u0641\u0629 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0628\u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a\u060c <\/span><\/span>\u0641<\/span><\/span>\u0642\u062f \u0627\u0631\u062a\u0641\u0639 \u062d\u062c\u0645 \u0645\u062d\u0641\u0638\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0628\u0645\u0639\u062f\u0644 \u0646\u0645\u0648 33 % \u0639\u0646 \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0628\u0646\u0647\u0627\u064a\u0629 \u062f\u064a\u0633\u0645\u0628\u0631 <\/span><\/span>2022\u060c<\/span><\/span>\u0643\u0645\u0627 \u0627\u0631\u062a\u0641\u0639 \u062d\u062c\u0645 \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0628\u0645\u0639\u062f\u0644 \u0646\u0645\u0648 27.9 % \u0639\u0646 \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0628\u0646\u0647\u0627\u064a\u0629 \u062f\u064a\u0633\u0645\u0628\u0631 <\/span><\/span>2022<\/span><\/span> \u0643\u0645\u0627<\/span><\/span> \u0628\u0644\u063a\u062a \u0627\u0644\u062d\u0635\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649 \u0648\u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0628\u0646\u0647\u0627\u064a\u0629 \u0639\u0627\u0645 2023 \u0646\u062d\u0648 18.6 % \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u062a\u0645\u0648\u064a\u0644\u0627\u062a \u0642\u0637\u0627\u0639 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0628\u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a.<\/span><\/span><\/p>\n

\u0648\u0642\u062f \u0627\u0633\u062a\u0637\u0627\u0639 \u0628\u0646\u0643 \u0645\u0635\u0631 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 01\/01\/2023 \u0648\u062d\u062a\u0649 31\/12\/2023 \u0627\u0644\u0627\u0646\u062a\u0647\u0627\u0621 \u0645\u0646 \u062a\u0631\u062a\u064a\u0628 \u0648\u062a\u0645\u0648\u064a\u0644 \u0648\u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a\u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 (26) \u0639\u0645\u0644\u064a\u0629 \u062a\u0645\u0648\u064a\u0644\u064a\u0629\u00a0\u0628\u0625\u062c\u0645\u0627\u0644\u064a \u062d\u062c\u0645 \u062a\u0645\u0648\u064a\u0644 \u064a\u0635\u0644 \u0625\u0644\u0649 246.7 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0648\u062a\u0628\u0644\u063a \u062d\u0635\u0629 <\/span><\/span>\u0628\u0646\u0643 \u0645\u0635\u0631<\/span><\/span> \u0641\u064a \u062a\u0644\u0643 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a 115.8 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0648\u0630\u0644\u0643 \u0641\u064a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0645\u062b\u0644<\/span><\/span> (\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u0627\u0644\u0628\u062a\u0631\u0648\u0644 \u0648\u0627\u0644\u063a\u0627\u0632 \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u060c \u0627\u0644\u0633\u064a\u0627\u062d\u0629\u060c \u0627\u0644\u0646\u0642\u0644\u060c \u0627\u0644<\/span><\/span>\u0623<\/span><\/span>\u0639\u0644\u0627\u0641 \u0648\u0627\u0644\u062f\u0648\u0627\u062c\u0646\u060c \u0627\u0644\u0623\u0633\u0645\u062f\u0629\u060c \u0627\u0644\u0628\u062a\u0631\u0648\u0643\u064a\u0645\u0627\u0648\u064a\u0627\u062a\u060c \u0627\u0644\u063a\u0632\u0644 \u0648\u0627\u0644\u0646\u0633\u064a\u062c\u060c \u0627\u0644\u0645\u0642\u0627\u0648\u0644\u0627\u062a\u060c \u0627\u0644\u0643\u0627\u0628\u0644\u0627\u062a).<\/span><\/span><\/p>\n

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