Ushbu maqolada ATB «Xalq banki» kredit portfelida muammoli kreditlar (NPL - Non-Performing Loans) ulushining 2020–2024-yillardagi dinamikasi, bank moliyaviy barqarorligiga ta’siri hamda ularni kamaytirishning institutsional va raqamli mexanizmlari tadqiq etildi. Tadqiqotda Markaziy bank statistik ma’lumotlari, bank moliyaviy hisobotlari va ilmiy adabiyotlar asosida trend tahlili, CAMELS modeli, qiyosiy tahlil, Basel III va IFRS 9 yondashuvlaridan foydalanildi. Natijalar 2022-yilda NPL ulushi 19,7 foizga yetib, ROA, CAR, NIM va CIR ko‘rsatkichlariga salbiy ta’sir ko‘rsatganini, 2023–2024-yillarda esa sog‘lomlashtirish choralari natijasida NPL ulushi 7,6 foizgacha pasayganini ko‘rsatdi. Maqolada AI-skoring, real vaqt monitoringi, erta ogohlantirish tizimi, portfel diversifikatsiyasi va aktivlarni boshqarish kompaniyasi modeliga asoslangan amaliy takliflar ishlab chiqildi.

This article examines the role of youth in addressing climate change and promoting environmental sustainability. Young people have become increasingly active in environmental advocacy, participating in initiatives such as tree planting, recycling programs, and climate awareness campaigns. Engaging youth in sustainable practices fosters leadership, critical thinking, and community involvement, while also raising global awareness about environmental challenges. The study highlights barriers to youth participation, including limited access to resources, lack of guidance, and socio-economic constraints. Recommendations include integrating environmental education into school curricula, supporting youth-led initiatives, and leveraging digital platforms to enhance participation and advocacy. Encouraging active youth engagement in sustainability efforts contributes to a healthier planet and cultivates responsible future leaders.

Mazkur maqolada Navoiy viloyatida qimmatbaho metallarni qazib olish va qayta ishlash loyihalarida ekologik barqarorlikni ta’minlash hamda texnika xavfsizligini oshirish masalalari tahlil qilingan. Hududdagi konchilik faoliyatining atmosfera havosi, suv resurslari, yer maydonlari, biologik xilma-xillik va aholi salomatligiga ta’sir etuvchi asosiy omillari ko‘rib chiqilgan. Shuningdek, ochiq va yer osti kon ishlarida portlatish, katta hajmdagi transport vositalaridan foydalanish, chiqindi omborlarini boshqarish, kimyoviy reagentlar bilan ishlash hamda yuqori harorat sharoitida mehnat qilish bilan bog‘liq xavflar baholangan. “Navoiy kon-metallurgiya kombinati” AJning 2022–2024-yillardagi barqaror rivojlanish ko‘rsatkichlari asosida ishlab chiqarish hajmi, energiya samaradorligi, qayta tiklanuvchi energiya manbalari, ko‘kalamzorlashtirish va ishlab chiqarishdagi jarohatlanish holatlari tahlil qilingan. Tadqiqot natijasida suvdan takroriy foydalanish, chang-gaz chiqindilarini raqamli monitoring qilish, chiqindi omborlari xavfsizligini xalqaro standartlar asosida boshqarish, kon transportini avtomatik nazorat qilish va xavfsizlik madaniyatini rivojlantirish bo‘yicha amaliy takliflar ishlab chiqilgan.

Ushbu maqolada Surxondaryo viloyatining tarixiy yodgorliklaridan biri hisoblangan Makedon ko‘prigining tarixi, me’moriy xususiyatlari va madaniy meros sifatidagi ahamiyati yoritilgan. Ko‘prikning qurilish davri, uning nomlanishi bilan bog‘liq tarixiy ma’lumotlar hamda xalq orasida saqlanib qolgan rivoyatlar tahlil qilingan. Shuningdek, ushbu yodgorlikning bugungi kundagi holati va turizm rivojidagi o‘rni haqida ma’lumotlar keltirilgan.

Antimicrobial resistance (AMR) has become one of the most serious global public health threats of the twenty-first century. The increasing ability of pathogenic microorganisms to develop resistance against antibacterial agents significantly complicates the treatment of infectious diseases and contributes to increased morbidity, mortality, and healthcare expenditures worldwide. This review article analyzes the major mechanisms of antibiotic resistance, epidemiological trends, clinically significant resistant pathogens, and the impact of antimicrobial resistance on healthcare systems. Scientific publications indexed in PubMed, Scopus, Google Scholar, and WHO databases between 2020 and 2025 were reviewed using a narrative literature review approach. The findings demonstrate a global increase in multidrug-resistant organisms, including methicillin-resistant Staphylococcus aureus (MRSA), carbapenem-resistant Klebsiella pneumoniae, Pseudomonas aeruginosa, and Acinetobacter baumanni. Irrational antibiotic prescribing, self-medication, excessive antibiotic use in agriculture, and insufficient infection-control measures remain the primary contributors to resistance development. The article emphasizes the importance of antimicrobial stewardship programs, early laboratory diagnostics, rational antibiotic use, and public health education in combating antimicrobial resistance. [3,5]