{"id":627,"date":"2025-06-25T21:28:12","date_gmt":"2025-06-25T21:28:12","guid":{"rendered":"https:\/\/doineurope.com\/?p=627"},"modified":"2025-06-30T11:51:02","modified_gmt":"2025-06-30T11:51:02","slug":"%d8%af%d9%84%d9%8a%d9%84-%d8%aa%d8%ad%d9%84%d9%8a%d9%84-%d8%a7%d9%84%d9%86%d8%b8%d8%a7%d9%85-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a-%d8%a7%d9%84%d9%83%d8%a7%d9%85%d9%84-%d9%81%d9%8a-%d8%a8%d9%8a","status":"publish","type":"post","link":"https:\/\/doineurope.com\/ar\/%d8%af%d9%84%d9%8a%d9%84-%d8%aa%d8%ad%d9%84%d9%8a%d9%84-%d8%a7%d9%84%d9%86%d8%b8%d8%a7%d9%85-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a-%d8%a7%d9%84%d9%83%d8%a7%d9%85%d9%84-%d9%81%d9%8a-%d8%a8%d9%8a\/","title":{"rendered":"\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627: \u062f\u0644\u064a\u0644 \u0634\u0627\u0645\u0644 \u0644\u0644\u0646\u0638\u0627\u0645 \u0648\u062a\u062d\u0644\u064a\u0644\u0647 \u062d\u062a\u0649 \u0639\u0627\u0645 \u0662\u0660\u0662\u0665"},"content":{"rendered":"<div class=\"blogmaster-pro-container\">\n    <div class=\"content-wrapper-premium-847\" id=\"unique-article-container-id-2847\">\n        <h1 class=\"header-elite-designation-923\">\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627: \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0645\u0634\u0647\u062f \u0645\u0627\u0644\u064a \u0645\u0639\u0642\u062f<\/h1>\n        \n        <p>\u0625\u0644\u064a\u0643\u0645 \u0645\u0627 \u064a\u0645\u064a\u0632 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627: \u0625\u0646\u0647 \u0623\u062d\u062f \u0623\u0643\u062b\u0631 \u0627\u0644\u0628\u064a\u0626\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0625\u062b\u0627\u0631\u0629\u064b 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\u0623\u0638\u0647\u0631 \u0627\u0644\u0642\u0637\u0627\u0639 \u0642\u062f\u0631\u0629\u064b \u0645\u0644\u062d\u0648\u0638\u0629\u064b \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629.<\/p>\n        \n        <div class=\"navigation-hub-professional-156\">\n            <h3 class=\"subheader-tier3-designation-925\">\u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a<\/h3>\n            <ul class=\"list-unstyled-nav-789\">\n                <li class=\"nav-item-spacing-234\"><a href=\"#banking-overview\" class=\"link-dotted-hover-567\">\u0646\u0638\u0631\u0629 \u0639\u0627\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<\/a><\/li>\n                <li class=\"nav-item-spacing-234\"><a href=\"#major-players\" class=\"link-dotted-hover-567\">\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0643\u0628\u0631\u0649 \u0648\u0647\u064a\u0643\u0644 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id=\"banking-overview\">\u0641\u0647\u0645 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627<\/h2>\n        \n        <p>\u064a\u0639\u0645\u0644 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a \u0648\u0641\u0642 \u0647\u064a\u0643\u0644 \u062b\u0646\u0627\u0626\u064a \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u064a\u062a\u0645\u064a\u0632 \u0628\u062a\u0637\u0648\u0631 \u0645\u0630\u0647\u0644. \u064a\u062a\u0631\u0623\u0633\u0647 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0648\u0637\u0646\u064a \u0644\u062c\u0645\u0647\u0648\u0631\u064a\u0629 \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627 (NBRB)\u060c \u0627\u0644\u0630\u064a \u064a\u0639\u0645\u0644 \u0643\u0628\u0646\u0643 \u0645\u0631\u0643\u0632\u064a \u0648\u0647\u064a\u0626\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 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\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u062f\u064a\u0631 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u0640 351 \u062a\u0631\u064a\u0644\u064a\u0648\u0646\u064b\u0627 \u0648300 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629. \u0647\u0630\u0627 \u0644\u064a\u0633 \u0633\u064a\u0646\u0627\u0631\u064a\u0648 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u062d\u0631\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u060c \u0628\u0644 \u0647\u0648 \u062a\u0648\u0627\u0632\u0646 \u0645\u064f\u062d\u0643\u0645 \u064a\u0639\u0643\u0633 \u0627\u0644\u0641\u0644\u0633\u0641\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0623\u0648\u0633\u0639 \u0644\u0644\u0628\u0644\u0627\u062f.<\/p>\n        \n        <blockquote class=\"quote-block-premium-445\">\n            \u064a\u064f\u0645\u062b\u0644 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u064f\u0644\u0641\u062a\u0629 \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u0627\u062a \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u064f\u062f\u0627\u0631\u0629. \u0641\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0644\u0636\u063a\u0648\u0637 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629\u060c \u062d\u0627\u0641\u0638 \u0627\u0644\u0646\u0638\u0627\u0645 \u0639\u0644\u0649 \u0627\u0633\u062a\u0642\u0631\u0627\u0631\u0647 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u062f\u062e\u0644 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u0644\u062f\u0648\u0644\u0629 \u0648\u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u062f\u0643\u062a\u0648\u0631\u0629 \u0625\u064a\u0644\u064a\u0646\u0627 \u0643\u0648\u0645\u0627\u0631\u0648\u0641\u0627\u060c \u0643\u0628\u064a\u0631\u0629 \u0645\u062d\u0644\u0644\u064a \u0627\u0644\u0634\u0624\u0648\u0646 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0645\u0639\u0647\u062f \u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0641\u064a \u0645\u064a\u0646\u0633\u0643.\n        <\/blockquote>\n        \n        <p>\u0644\u0643\u0646 \u0647\u0646\u0627 \u062a\u0643\u0645\u0646 \u0646\u0642\u0637\u0629 \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645: \u0643\u064a\u0641 \u062a\u0643\u064a\u0641 \u0647\u0630\u0627 \u0627\u0644\u0646\u0638\u0627\u0645 \u0645\u0639 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u0628\u0648\u0642\u0629\u060c \u0645\u0639 \u0633\u0639\u064a\u0647 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641 \u062a\u062d\u062f\u064a\u062b \u0637\u0645\u0648\u062d\u0629\u061f \u064a\u0643\u0645\u0646 \u0627\u0644\u062c\u0648\u0627\u0628 \u0641\u064a \u0641\u0647\u0645 \u0627\u0644\u0633\u064a\u0627\u0642 \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631\u0627\u062a \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062f\u0641\u0639 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627 \u0646\u062d\u0648 \u0627\u0644\u062a\u0642\u062f\u0645.<\/p>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-cover alignwide is-light has-parallax\"><div class=\"wp-block-cover__image-background wp-image-224 size-full has-parallax\" style=\"background-position:50% 50%;background-image:url(https:\/\/doineurope.com\/wp-content\/uploads\/2019\/12\/claude-piche-5RtDPf_m7kY-unsplash.jpg)\"><\/div><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#7498a8\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size\"><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"blogmaster-pro-container\">\n    <div class=\"content-wrapper-premium-847\">\n        <h2 class=\"subheader-tier2-designation-924\" id=\"major-players\">\u0639\u0645\u0627\u0644\u0642\u0629 \u0627\u0644\u0645\u0635\u0627\u0631\u0641: \u0645\u0646 \u064a\u062a\u062d\u0643\u0645 \u0641\u0639\u0644\u064a\u064b\u0627 \u0628\u0623\u0645\u0648\u0627\u0644 \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627\u061f<\/h2>\n        \n        <p>\u0644\u0646\u062a\u062d\u062f\u062b \u0639\u0646 \u0627\u0644\u0644\u0627\u0639\u0628\u064a\u0646 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0631\u0633\u0645\u0648\u0646 \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627. \u0639\u0644\u0649 \u0631\u0623\u0633 \u0627\u0644\u0647\u0631\u0645\u060c \u064a\u0623\u062a\u064a \u0628\u0646\u0643 \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627\u060c \u0648\u0647\u0648 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0623\u0636\u062e\u0645 \u0628\u0644\u0627 \u0645\u0646\u0627\u0632\u0639\u060c \u0625\u0630 \u064a\u0633\u064a\u0637\u0631 \u0639\u0644\u0649 \u0645\u0627 \u064a\u0642\u0627\u0631\u0628 351 \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u0631\u0648\u0628\u0644 (3 \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631) \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629. \u062a\u0623\u0633\u0633 \u0647\u0630\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0642 \u0627\u0644\u0645\u0645\u0644\u0648\u0643 \u0644\u0644\u062f\u0648\u0644\u0629 \u0639\u0627\u0645 1992\u060c \u0648\u0647\u0648 \u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u0628\u0646\u0643\u060c \u0628\u0644 \u0645\u0624\u0633\u0633\u0629 \u062a\u064f\u0624\u062b\u0631 \u0639\u0644\u0649 \u0643\u0644 \u062c\u0627\u0646\u0628 \u062a\u0642\u0631\u064a\u0628\u064b\u0627 \u0645\u0646 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0629.<\/p>\n        \n        <table class=\"data-table-professional-667\">\n            <tr class=\"table-row-alternating-556\">\n                <th class=\"table-header-cell-223\">\u0627\u0633\u0645 \u0627\u0644\u0628\u0646\u0643<\/th>\n                <th class=\"table-header-cell-223\">\u0645\u0644\u0643\u064a\u0629<\/th>\n                <th class=\"table-header-cell-223\">\u0627\u0644\u062d\u0635\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629<\/th>\n                <th class=\"table-header-cell-223\">\u0627\u0644\u062a\u062e\u0635\u0635<\/th>\n            <\/tr>\n            <tr class=\"table-row-alternating-556\">\n                <td class=\"table-data-cell-224\">\u0628\u0646\u0643 \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627<\/td>\n                <td class=\"table-data-cell-224\">\u0645\u0645\u0644\u0648\u0643\u0629 \u0644\u0644\u062f\u0648\u0644\u0629<\/td>\n                <td class=\"table-data-cell-224\">35%<\/td>\n                <td class=\"table-data-cell-224\">\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629<\/td>\n            <\/tr>\n            <tr class=\"table-row-alternating-556\">\n                <td class=\"table-data-cell-224\">\u0628\u0646\u0643 \u0628\u064a\u0644\u0627\u062c\u0631\u0648\u0628\u0631\u0648\u0645<\/td>\n                <td class=\"table-data-cell-224\">\u0645\u0645\u0644\u0648\u0643\u0629 \u0644\u0644\u062f\u0648\u0644\u0629<\/td>\n                <td class=\"table-data-cell-224\">18%<\/td>\n                <td class=\"table-data-cell-224\">\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0632\u0631\u0627\u0639\u064a<\/td>\n            <\/tr>\n            <tr class=\"table-row-alternating-556\">\n                <td class=\"table-data-cell-224\">\u0628\u0646\u0643 \u0628\u064a \u0628\u064a \u0625\u0633-\u0633\u0628\u064a\u0631\u0628\u0646\u0643<\/td>\n                <td class=\"table-data-cell-224\">\u062e\u0627\u0635<\/td>\n                <td class=\"table-data-cell-224\">12%<\/td>\n                <td class=\"table-data-cell-224\">\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f<\/td>\n            <\/tr>\n            <tr class=\"table-row-alternating-556\">\n                <td class=\"table-data-cell-224\">\u0623\u0644\u0641\u0627 \u0628\u0646\u0643 \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627<\/td>\n                <td class=\"table-data-cell-224\">\u062e\u0627\u0635<\/td>\n                <td class=\"table-data-cell-224\">8%<\/td>\n                <td class=\"table-data-cell-224\">\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629<\/td>\n            <\/tr>\n        <\/table>\n        \n        <p>\u064a\u0644\u064a\u0647 \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0628\u0646\u0643 \u0628\u064a\u0644\u0627\u062c\u0631\u0648\u0628\u0631\u0648\u0645\u0628\u0627\u0646\u0643\u060c \u0627\u0644\u0630\u064a \u0642\u062f \u064a\u0628\u062f\u0648 \u0645\u064f\u0642\u0631\u0636\u064b\u0627 \u0632\u0631\u0627\u0639\u064a\u064b\u0627 \u0645\u062a\u062e\u0635\u0635\u064b\u0627\u060c \u0648\u0644\u0643\u0646 \u0644\u0627 \u062a\u0646\u062e\u062f\u0639\u0648\u0627. \u0641\u0642\u062f \u062a\u0637\u0648\u0631\u062a \u0647\u0630\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0644\u062a\u0635\u0628\u062d \u0645\u064f\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0634\u0627\u0645\u0644\u0629\u060c \u0645\u0639 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0631\u0648\u0627\u0628\u0637 \u0642\u0648\u064a\u0629 \u0628\u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0632\u0631\u0627\u0639\u064a \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627. \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u062d\u062f\u064a\u062b\u0629 \u0644\u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0644\u0627 \u064a\u064f\u0645\u062b\u0644 \u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0627\u0644\u0632\u0631\u0627\u0639\u064a \u0633\u0648\u0649 40% \u0645\u0646 \u0645\u062d\u0641\u0638\u062a\u0647\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629\u060c \u0648\u0647\u0648 \u062a\u0646\u0648\u064a\u0639 \u0643\u0628\u064a\u0631 \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0623\u0635\u0648\u0644\u0647\u0627.<\/p>\n        \n        <div class=\"highlight-container-deluxe-778\">\n            <h4 class=\"accent-header-bold-334\">\u0627\u0644\u0631\u0624\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/h4>\n            <p>\u062a\u062c\u0627\u0648\u0632\u062a \u0645\u0648\u062c\u0629 \u0627\u0644\u062e\u0635\u062e\u0635\u0629 \u0627\u0644\u062a\u064a \u0627\u062c\u062a\u0627\u062d\u062a \u0623\u0648\u0631\u0648\u0628\u0627 \u0627\u0644\u0634\u0631\u0642\u064a\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627 \u0625\u0644\u0649 \u062d\u062f \u0643\u0628\u064a\u0631. \u0648\u0642\u062f \u0623\u062f\u0649 \u0647\u0630\u0627 \u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0633\u064a\u0627\u0633\u064a \u0627\u0644\u0645\u062a\u0639\u0645\u062f \u0625\u0644\u0649 \u062e\u0644\u0642 \u0628\u064a\u0626\u0629 \u0641\u0631\u064a\u062f\u0629 \u062a\u0639\u0645\u0644 \u0641\u064a\u0647\u0627 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0643\u0623\u062f\u0648\u0627\u062a \u0644\u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0631\u0643\u0632 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062e\u0627\u0635\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629.<\/p>\n        <\/div>\n        \n        <h3 class=\"subheader-tier3-designation-925\">\u0646\u0647\u0636\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629<\/h3>\n        \n        <p>\u0625\u0644\u064a\u0643\u0645 \u0645\u0627 \u064a\u062b\u064a\u0631 \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0641\u064a \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062e\u0627\u0635\u0629 \u0641\u064a \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627: \u0625\u0646\u0647\u0627 \u062a\u062a\u0641\u0648\u0642 \u0639\u0644\u0649 \u0642\u062f\u0631\u0627\u062a\u0647\u0627 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631\u064a\u0629. \u0644\u0646\u0623\u062e\u0630 \u0628\u0646\u0643 BPS-Sberbank \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644. \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0645\u062a\u0644\u0627\u0643\u0647 \u062d\u0635\u0629 \u0633\u0648\u0642\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 12% \u0641\u0642\u0637\u060c \u0625\u0644\u0627 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class=\"list-item-spaced-112\">\u062a\u0637\u0648\u064a\u0631 \u0623\u0646\u0638\u0645\u0629 \u062f\u0641\u0639 \u0628\u062f\u064a\u0644\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0639\u0646 \u0633\u0648\u064a\u0641\u062a<\/li>\n            <li class=\"list-item-spaced-112\">\u0634\u0631\u0627\u0643\u0627\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0645\u0639 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0648\u0633\u064a\u0629 \u0648\u0627\u0644\u0635\u064a\u0646\u064a\u0629<\/li>\n            <li class=\"list-item-spaced-112\">\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u062d\u0644\u0648\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 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srcset=\"https:\/\/doineurope.com\/wp-content\/uploads\/2025\/06\/ee8377c667253bf7bd4dc126ea29ea8c.jpg 736w, https:\/\/doineurope.com\/wp-content\/uploads\/2025\/06\/ee8377c667253bf7bd4dc126ea29ea8c-300x200.jpg 300w\" sizes=\"(max-width: 736px) 100vw, 736px\" \/><figcaption class=\"wp-element-caption\">\u0635\u0648\u0631\u0629 \u0628\u0633\u064a\u0637\u0629 \u0645\u0639 \u062a\u0639\u0644\u064a\u0642<\/figcaption><\/figure>\n\n\n\n<div class=\"blogmaster-pro-container\">\n    <div class=\"content-wrapper-premium-847\">\n        <h2 class=\"subheader-tier2-designation-924\" id=\"regulatory-framework\">\u0627\u0644\u062b\u0648\u0631\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u062a\u0644\u062a\u0642\u064a \u0628\u0627\u0644\u0625\u0631\u062b \u0627\u0644\u0633\u0648\u0641\u064a\u064a\u062a\u064a<\/h2>\n        \n        <p>\u0647\u0646\u0627\u0643 \u0634\u064a\u0621\u064c \u064a\u0643\u0627\u062f \u064a\u0643\u0648\u0646 \u063a\u0631\u064a\u0628\u064b\u0627 \u0641\u064a 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<p>\u062f\u0639\u0648\u0646\u064a \u0623\u0634\u0627\u0631\u0643\u0643\u0645 \u0634\u064a\u0626\u064b\u0627 \u0641\u0627\u062c\u0623\u0646\u064a \u062a\u0645\u0627\u0645\u064b\u0627 \u062e\u0644\u0627\u0644 \u0628\u062d\u062b\u064a: \u062a\u062a\u0645\u062a\u0639 \u0628\u064a\u0644\u0627\u0631\u0648\u0633\u064a\u0627 \u0627\u0644\u0622\u0646 \u0628\u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0646\u062a\u0634\u0627\u0631 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0623\u0644\u0645\u0627\u0646\u064a\u0627 \u0623\u0648 \u0641\u0631\u0646\u0633\u0627. \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 \u0625\u0631\u0646\u0633\u062a \u0648\u064a\u0648\u0646\u063a \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 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<p>\u062a\u062d\u0643\u064a \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0642\u0635\u0629 \u0645\u0630\u0647\u0644\u0629: \u0627\u0631\u062a\u0641\u0639\u062a \u0623\u062d\u062c\u0627\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0628\u0645\u0642\u062f\u0627\u0631 340% \u0628\u064a\u0646 \u0639\u0627\u0645\u064a 2020 \u06482024\u060c \u0641\u064a \u062d\u064a\u0646 \u0627\u0646\u062e\u0641\u0636\u062a \u0632\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0641\u0631\u0648\u0639 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0628\u0645\u0642\u062f\u0627\u0631 60% \u062e\u0644\u0627\u0644 \u0646\u0641\u0633 \u0627\u0644\u0641\u062a\u0631\u0629\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0625\u062d\u0635\u0627\u0621\u0627\u062a \u062c\u0645\u0639\u064a\u0629 \u0627\u0644\u0628\u0646\u0648\u0643.<\/p>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-cover alignfull is-light has-parallax\"><div class=\"wp-block-cover__image-background wp-image-526 size-large has-parallax\" style=\"background-position:50% 50%;background-image:url(https:\/\/doineurope.com\/wp-content\/uploads\/2025\/06\/jonathan-gallegos-_vA2q0-NroU-unsplash-1024x683.jpg)\"><\/div><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#ced3db\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size\"><strong>\u0633\u0627\u0646 \u0641\u0631\u0627\u0646\u0633\u064a\u0633\u0643\u0648<\/strong><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"blogmaster-pro-container\">\n    <div class=\"content-wrapper-premium-847\">\n        <h2 class=\"subheader-tier2-designation-924\" id=\"challenges-opportunities\">\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u0627\u063a\u062a\u0646\u0627\u0645 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