id	sid	tid	token	lemma	pos
egc-394	1	1	eglobal	eglobal	PROPN
egc-394	1	2	congress	congress	PROPN
egc-394	1	3	hosted	host	VERB
egc-394	1	4	online	online	ADV
egc-394	1	5	from	from	ADP
egc-394	1	6	dubai	dubai	PROPN
egc-394	1	7	,	,	PUNCT
egc-394	1	8	u.	u.	PROPN
egc-394	1	9	a.	a.	PROPN
egc-394	1	10	e.	e.	PROPN
egc-394	1	11	,	,	PUNCT
egc-394	1	12	e	e	PROPN
egc-394	1	13	conference	conference	NOUN
egc-394	1	14	.	.	PUNCT
egc-394	2	1	date	date	NOUN
egc-394	2	2	:	:	PUNCT
egc-394	2	3	30th	30th	ADJ
egc-394	2	4	october	october	PROPN
egc-394	2	5	2025	2025	NUM
egc-394	2	6	website	website	NOUN
egc-394	2	7	:	:	PUNCT
egc-394	2	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-394	2	9	issn	issn	PROPN
egc-394	2	10	(	(	PUNCT
egc-394	2	11	e	e	NOUN
egc-394	2	12	):	):	PUNCT
egc-394	2	13	2836	2836	NUM
egc-394	2	14	-	-	SYM
egc-394	2	15	3612	3612	NUM
egc-394	2	16	9	9	NUM
egc-394	2	17	|	|	ADV
egc-394	2	18	p	p	X
egc-394	2	19	a	a	DET
egc-394	2	20	g	g	NOUN
egc-394	2	21	e	e	NOUN
egc-394	2	22	the	the	DET
egc-394	2	23	growth	growth	NOUN
egc-394	2	24	of	of	ADP
egc-394	2	25	loans	loan	NOUN
egc-394	2	26	granted	grant	VERB
egc-394	2	27	to	to	ADP
egc-394	2	28	individuals	individual	NOUN
egc-394	2	29	in	in	ADP
egc-394	2	30	uzbekistan	uzbekistan	PROPN
egc-394	2	31	and	and	CCONJ
egc-394	2	32	its	its	PRON
egc-394	2	33	underlying	underlie	VERB
egc-394	2	34	reasons	reason	NOUN
egc-394	2	35	tupatillaeva	tupatillaeva	VERB
egc-394	2	36	gulnoza	gulnoza	PROPN
egc-394	2	37	tashkent	tashkent	PROPN
egc-394	2	38	state	state	PROPN
egc-394	2	39	university	university	PROPN
egc-394	2	40	of	of	ADP
egc-394	2	41	economics	economic	NOUN
egc-394	2	42	cabinet	cabinet	NOUN
egc-394	2	43	manager	manager	NOUN
egc-394	2	44	of	of	ADP
egc-394	2	45	the	the	DET
egc-394	2	46	department	department	PROPN
egc-394	2	47	of	of	ADP
egc-394	2	48	bank	bank	PROPN
egc-394	2	49	accounting	accounting	NOUN
egc-394	2	50	and	and	CCONJ
egc-394	2	51	audit	audit	NOUN
egc-394	2	52	nowadays	nowadays	ADV
egc-394	2	53	,	,	PUNCT
egc-394	2	54	the	the	DET
egc-394	2	55	stable	stable	ADJ
egc-394	2	56	and	and	CCONJ
egc-394	2	57	sustainable	sustainable	ADJ
egc-394	2	58	development	development	NOUN
egc-394	2	59	of	of	ADP
egc-394	2	60	the	the	DET
egc-394	2	61	economy	economy	NOUN
egc-394	2	62	is	be	AUX
egc-394	2	63	directly	directly	ADV
egc-394	2	64	linked	link	VERB
egc-394	2	65	to	to	ADP
egc-394	2	66	the	the	DET
egc-394	2	67	effective	effective	ADJ
egc-394	2	68	and	and	CCONJ
egc-394	2	69	balanced	balanced	ADJ
egc-394	2	70	functioning	functioning	NOUN
egc-394	2	71	of	of	ADP
egc-394	2	72	the	the	DET
egc-394	2	73	country	country	NOUN
egc-394	2	74	’s	’s	PART
egc-394	2	75	financial	financial	ADJ
egc-394	2	76	system	system	NOUN
egc-394	2	77	.	.	PUNCT
egc-394	3	1	in	in	ADP
egc-394	3	2	particular	particular	ADJ
egc-394	3	3	,	,	PUNCT
egc-394	3	4	the	the	DET
egc-394	3	5	growth	growth	NOUN
egc-394	3	6	in	in	ADP
egc-394	3	7	both	both	CCONJ
egc-394	3	8	the	the	DET
egc-394	3	9	volume	volume	NOUN
egc-394	3	10	and	and	CCONJ
egc-394	3	11	quality	quality	NOUN
egc-394	3	12	of	of	ADP
egc-394	3	13	loans	loan	NOUN
egc-394	3	14	issued	issue	VERB
egc-394	3	15	by	by	ADP
egc-394	3	16	commercial	commercial	ADJ
egc-394	3	17	banks	bank	NOUN
egc-394	3	18	is	be	AUX
egc-394	3	19	a	a	DET
egc-394	3	20	crucial	crucial	ADJ
egc-394	3	21	factor	factor	NOUN
egc-394	3	22	for	for	ADP
egc-394	3	23	the	the	DET
egc-394	3	24	qualitative	qualitative	ADJ
egc-394	3	25	improvement	improvement	NOUN
egc-394	3	26	of	of	ADP
egc-394	3	27	economic	economic	ADJ
egc-394	3	28	processes	process	NOUN
egc-394	3	29	,	,	PUNCT
egc-394	3	30	and	and	CCONJ
egc-394	3	31	the	the	DET
egc-394	3	32	expansion	expansion	NOUN
egc-394	3	33	of	of	ADP
egc-394	3	34	production	production	NOUN
egc-394	3	35	and	and	CCONJ
egc-394	3	36	consumption	consumption	NOUN
egc-394	3	37	sectors	sector	NOUN
egc-394	3	38	.	.	PUNCT
egc-394	4	1	the	the	DET
egc-394	4	2	growing	grow	VERB
egc-394	4	3	share	share	NOUN
egc-394	4	4	of	of	ADP
egc-394	4	5	loans	loan	NOUN
egc-394	4	6	granted	grant	VERB
egc-394	4	7	to	to	ADP
egc-394	4	8	individuals	individual	NOUN
egc-394	4	9	within	within	ADP
egc-394	4	10	the	the	DET
egc-394	4	11	credit	credit	NOUN
egc-394	4	12	portfolio	portfolio	NOUN
egc-394	4	13	indicates	indicate	VERB
egc-394	4	14	that	that	SCONJ
egc-394	4	15	the	the	DET
egc-394	4	16	population	population	NOUN
egc-394	4	17	is	be	AUX
egc-394	4	18	actively	actively	ADV
egc-394	4	19	using	use	VERB
egc-394	4	20	financial	financial	ADJ
egc-394	4	21	services	service	NOUN
egc-394	4	22	,	,	PUNCT
egc-394	4	23	reflecting	reflect	VERB
egc-394	4	24	the	the	DET
egc-394	4	25	expansion	expansion	NOUN
egc-394	4	26	of	of	ADP
egc-394	4	27	their	their	PRON
egc-394	4	28	financial	financial	ADJ
egc-394	4	29	needs	need	NOUN
egc-394	4	30	and	and	CCONJ
egc-394	4	31	capabilities	capability	NOUN
egc-394	4	32	.	.	PUNCT
egc-394	5	1	this	this	PRON
egc-394	5	2	,	,	PUNCT
egc-394	5	3	in	in	ADP
egc-394	5	4	turn	turn	NOUN
egc-394	5	5	,	,	PUNCT
egc-394	5	6	is	be	AUX
egc-394	5	7	associated	associate	VERB
egc-394	5	8	with	with	ADP
egc-394	5	9	growing	grow	VERB
egc-394	5	10	public	public	ADJ
egc-394	5	11	trust	trust	NOUN
egc-394	5	12	in	in	ADP
egc-394	5	13	the	the	DET
egc-394	5	14	banking	banking	NOUN
egc-394	5	15	system	system	NOUN
egc-394	5	16	and	and	CCONJ
egc-394	5	17	the	the	DET
egc-394	5	18	implementation	implementation	NOUN
egc-394	5	19	of	of	ADP
egc-394	5	20	modern	modern	ADJ
egc-394	5	21	methods	method	NOUN
egc-394	5	22	of	of	ADP
egc-394	5	23	digitalization	digitalization	NOUN
egc-394	5	24	and	and	CCONJ
egc-394	5	25	service	service	NOUN
egc-394	5	26	delivery	delivery	NOUN
egc-394	5	27	.	.	PUNCT
egc-394	6	1	this	this	DET
egc-394	6	2	scientific	scientific	ADJ
egc-394	6	3	thesis	thesis	NOUN
egc-394	6	4	provides	provide	VERB
egc-394	6	5	an	an	DET
egc-394	6	6	in	in	ADP
egc-394	6	7	-	-	PUNCT
egc-394	6	8	depth	depth	NOUN
egc-394	6	9	analysis	analysis	NOUN
egc-394	6	10	of	of	ADP
egc-394	6	11	the	the	DET
egc-394	6	12	growth	growth	NOUN
egc-394	6	13	trend	trend	NOUN
egc-394	6	14	in	in	ADP
egc-394	6	15	the	the	DET
egc-394	6	16	share	share	NOUN
egc-394	6	17	and	and	CCONJ
egc-394	6	18	volume	volume	NOUN
egc-394	6	19	of	of	ADP
egc-394	6	20	loans	loan	NOUN
egc-394	6	21	to	to	ADP
egc-394	6	22	individuals	individual	NOUN
egc-394	6	23	within	within	ADP
egc-394	6	24	the	the	DET
egc-394	6	25	credit	credit	NOUN
egc-394	6	26	investments	investment	NOUN
egc-394	6	27	of	of	ADP
egc-394	6	28	commercial	commercial	ADJ
egc-394	6	29	banks	bank	NOUN
egc-394	6	30	.	.	PUNCT
egc-394	7	1	it	it	PRON
egc-394	7	2	highlights	highlight	VERB
egc-394	7	3	the	the	DET
egc-394	7	4	main	main	ADJ
egc-394	7	5	causes	cause	NOUN
egc-394	7	6	and	and	CCONJ
egc-394	7	7	factors	factor	NOUN
egc-394	7	8	influencing	influence	VERB
egc-394	7	9	this	this	DET
egc-394	7	10	process	process	NOUN
egc-394	7	11	—	—	PUNCT
egc-394	7	12	particularly	particularly	ADV
egc-394	7	13	economic	economic	ADJ
egc-394	7	14	,	,	PUNCT
egc-394	7	15	social	social	ADJ
egc-394	7	16	,	,	PUNCT
egc-394	7	17	and	and	CCONJ
egc-394	7	18	financial	financial	ADJ
egc-394	7	19	factors	factor	NOUN
egc-394	7	20	.	.	PUNCT
egc-394	8	1	the	the	DET
egc-394	8	2	study	study	NOUN
egc-394	8	3	is	be	AUX
egc-394	8	4	based	base	VERB
egc-394	8	5	on	on	ADP
egc-394	8	6	data	datum	NOUN
egc-394	8	7	regarding	regard	VERB
egc-394	8	8	the	the	DET
egc-394	8	9	sectoral	sectoral	ADJ
egc-394	8	10	distribution	distribution	NOUN
egc-394	8	11	of	of	ADP
egc-394	8	12	credit	credit	NOUN
egc-394	8	13	investments	investment	NOUN
egc-394	8	14	of	of	ADP
egc-394	8	15	commercial	commercial	ADJ
egc-394	8	16	banks	bank	NOUN
egc-394	8	17	in	in	ADP
egc-394	8	18	uzbekistan	uzbekistan	PROPN
egc-394	8	19	as	as	ADP
egc-394	8	20	of	of	ADP
egc-394	8	21	september	september	PROPN
egc-394	8	22	1	1	NUM
egc-394	8	23	,	,	PUNCT
egc-394	8	24	2024	2024	NUM
egc-394	8	25	,	,	PUNCT
egc-394	8	26	and	and	CCONJ
egc-394	8	27	september	september	PROPN
egc-394	8	28	1	1	NUM
egc-394	8	29	,	,	PUNCT
egc-394	8	30	2025	2025	NUM
egc-394	8	31	.	.	PUNCT
egc-394	9	1	changes	change	NOUN
egc-394	9	2	observed	observe	VERB
egc-394	9	3	during	during	ADP
egc-394	9	4	this	this	DET
egc-394	9	5	period	period	NOUN
egc-394	9	6	,	,	PUNCT
egc-394	9	7	as	as	ADV
egc-394	9	8	well	well	ADV
egc-394	9	9	as	as	ADP
egc-394	9	10	the	the	DET
egc-394	9	11	growth	growth	NOUN
egc-394	9	12	rate	rate	NOUN
egc-394	9	13	of	of	ADP
egc-394	9	14	lending	lending	NOUN
egc-394	9	15	in	in	ADP
egc-394	9	16	the	the	DET
egc-394	9	17	individual	individual	ADJ
egc-394	9	18	segment	segment	NOUN
egc-394	9	19	and	and	CCONJ
egc-394	9	20	the	the	DET
egc-394	9	21	internal	internal	ADJ
egc-394	9	22	and	and	CCONJ
egc-394	9	23	external	external	ADJ
egc-394	9	24	factors	factor	NOUN
egc-394	9	25	affecting	affect	VERB
egc-394	9	26	this	this	DET
egc-394	9	27	process	process	NOUN
egc-394	9	28	,	,	PUNCT
egc-394	9	29	are	be	AUX
egc-394	9	30	analyzed	analyze	VERB
egc-394	9	31	in	in	ADP
egc-394	9	32	detail.the	detail.the	DET
egc-394	9	33	sectoral	sectoral	ADJ
egc-394	9	34	distribution	distribution	NOUN
egc-394	9	35	of	of	ADP
egc-394	9	36	credit	credit	NOUN
egc-394	9	37	allocations	allocation	NOUN
egc-394	9	38	by	by	ADP
egc-394	9	39	commercial	commercial	ADJ
egc-394	9	40	banks	bank	NOUN
egc-394	9	41	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-394	9	42	eglobal	eglobal	PROPN
egc-394	9	43	congress	congress	PROPN
egc-394	9	44	hosted	host	VERB
egc-394	9	45	online	online	ADV
egc-394	9	46	from	from	ADP
egc-394	9	47	dubai	dubai	PROPN
egc-394	9	48	,	,	PUNCT
egc-394	9	49	u.	u.	PROPN
egc-394	9	50	a.	a.	PROPN
egc-394	9	51	e.	e.	PROPN
egc-394	9	52	,	,	PUNCT
egc-394	9	53	e	e	PROPN
egc-394	9	54	conference	conference	NOUN
egc-394	9	55	.	.	PUNCT
egc-394	10	1	date	date	NOUN
egc-394	10	2	:	:	PUNCT
egc-394	10	3	30th	30th	ADJ
egc-394	10	4	october	october	PROPN
egc-394	10	5	2025	2025	NUM
egc-394	10	6	website	website	NOUN
egc-394	10	7	:	:	PUNCT
egc-394	10	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-394	10	9	issn	issn	PROPN
egc-394	10	10	(	(	PUNCT
egc-394	10	11	e	e	NOUN
egc-394	10	12	):	):	PUNCT
egc-394	10	13	2836	2836	NUM
egc-394	10	14	-	-	SYM
egc-394	10	15	3612	3612	NUM
egc-394	10	16	10	10	NUM
egc-394	11	1	|	|	ADV
egc-394	11	2	p	p	ADP
egc-394	11	3	a	a	DET
egc-394	11	4	g	g	NOUN
egc-394	11	5	e	e	NOUN
egc-394	11	6	table	table	NOUN
egc-394	11	7	11	11	NUM
egc-394	11	8	indicator	indicator	NOUN
egc-394	11	9	name	name	NOUN
egc-394	11	10	september	september	PROPN
egc-394	11	11	1	1	NUM
egc-394	11	12	,	,	PUNCT
egc-394	11	13	2024	2024	NUM
egc-394	11	14	september	september	PROPN
egc-394	11	15	1	1	NUM
egc-394	11	16	,	,	PUNCT
egc-394	11	17	2025	2025	NUM
egc-394	11	18	change	change	NOUN
egc-394	11	19	,	,	PUNCT
egc-394	11	20	in	in	ADP
egc-394	11	21	percentage	percentage	NOUN
egc-394	11	22	billion	billion	NUM
egc-394	11	23	uzs	uzs	NOUN
egc-394	11	24	share	share	NOUN
egc-394	11	25	,	,	PUNCT
egc-394	11	26	in	in	ADP
egc-394	11	27	percentage	percentage	NOUN
egc-394	11	28	billion	billion	NUM
egc-394	11	29	uzs	uzs	NOUN
egc-394	11	30	share	share	NOUN
egc-394	11	31	,	,	PUNCT
egc-394	11	32	in	in	ADP
egc-394	11	33	percentage	percentage	NOUN
egc-394	11	34	total	total	ADJ
egc-394	11	35	loans	loan	NOUN
egc-394	11	36	509	509	NUM
egc-394	11	37	676	676	NUM
egc-394	11	38	100	100	NUM
egc-394	11	39	%	%	NOUN
egc-394	11	40	581	581	NUM
egc-394	11	41	057	057	NUM
egc-394	11	42	100	100	NUM
egc-394	11	43	%	%	NOUN
egc-394	11	44	14	14	NUM
egc-394	11	45	%	%	NOUN
egc-394	11	46	industry	industry	NOUN
egc-394	11	47	145	145	NUM
egc-394	11	48	220	220	NUM
egc-394	11	49	28	28	NUM
egc-394	11	50	%	%	NOUN
egc-394	11	51	148	148	NUM
egc-394	11	52	544	544	NUM
egc-394	11	53	26	26	NUM
egc-394	11	54	%	%	NOUN
egc-394	11	55	2	2	NUM
egc-394	11	56	%	%	NOUN
egc-394	11	57	agriculture	agriculture	NOUN
egc-394	11	58	51	51	NUM
egc-394	11	59	418	418	NUM
egc-394	11	60	10	10	NUM
egc-394	11	61	%	%	NOUN
egc-394	11	62	58	58	NUM
egc-394	11	63	195	195	NUM
egc-394	11	64	10	10	NUM
egc-394	11	65	%	%	NOUN
egc-394	11	66	13	13	NUM
egc-394	11	67	%	%	NOUN
egc-394	11	68	construction	construction	NOUN
egc-394	11	69	sector	sector	NOUN
egc-394	11	70	12	12	NUM
egc-394	11	71	906	906	NUM
egc-394	11	72	3	3	NUM
egc-394	11	73	%	%	NOUN
egc-394	11	74	16	16	NUM
egc-394	11	75	587	587	NUM
egc-394	11	76	3	3	NUM
egc-394	11	77	%	%	NOUN
egc-394	11	78	29	29	NUM
egc-394	11	79	%	%	NOUN
egc-394	11	80	trade	trade	NOUN
egc-394	11	81	and	and	CCONJ
egc-394	11	82	public	public	ADJ
egc-394	11	83	services	service	NOUN
egc-394	11	84	36	36	NUM
egc-394	11	85	053	053	NUM
egc-394	11	86	7	7	NUM
egc-394	11	87	%	%	NOUN
egc-394	11	88	41	41	NUM
egc-394	11	89	297	297	NUM
egc-394	11	90	7	7	NUM
egc-394	11	91	%	%	NOUN
egc-394	11	92	15	15	NUM
egc-394	11	93	%	%	NOUN
egc-394	11	94	transport	transport	NOUN
egc-394	11	95	and	and	CCONJ
egc-394	11	96	communication	communication	NOUN
egc-394	11	97	34	34	NUM
egc-394	11	98	665	665	NUM
egc-394	11	99	7	7	NUM
egc-394	11	100	%	%	NOUN
egc-394	11	101	33	33	NUM
egc-394	11	102	696	696	NUM
egc-394	11	103	6	6	NUM
egc-394	11	104	%	%	NOUN
egc-394	11	105	-3	-3	INTJ
egc-394	11	106	%	%	NOUN
egc-394	11	107	material	material	NOUN
egc-394	11	108	and	and	CCONJ
egc-394	11	109	technical	technical	ADJ
egc-394	11	110	support	support	NOUN
egc-394	11	111	development	development	NOUN
egc-394	11	112	3	3	NUM
egc-394	11	113	564	564	NUM
egc-394	11	114	0,7	0,7	NUM
egc-394	11	115	%	%	NOUN
egc-394	11	116	4	4	NUM
egc-394	11	117	123	123	NUM
egc-394	11	118	0,7	0,7	NUM
egc-394	11	119	%	%	NOUN
egc-394	11	120	16	16	NUM
egc-394	11	121	%	%	NOUN
egc-394	11	122	housing	housing	NOUN
egc-394	11	123	and	and	CCONJ
egc-394	11	124	communal	communal	ADJ
egc-394	11	125	services	service	NOUN
egc-394	11	126	1	1	NUM
egc-394	11	127	797	797	NUM
egc-394	11	128	0,4	0,4	NUM
egc-394	11	129	%	%	NOUN
egc-394	11	130	1	1	NUM
egc-394	11	131	869	869	NUM
egc-394	11	132	0,3	0,3	NUM
egc-394	11	133	%	%	NOUN
egc-394	11	134	4	4	NUM
egc-394	11	135	%	%	NOUN
egc-394	11	136	individuals	individual	NOUN
egc-394	11	137	166	166	NUM
egc-394	11	138	906	906	NUM
egc-394	11	139	33	33	NUM
egc-394	11	140	%	%	NOUN
egc-394	11	141	205	205	NUM
egc-394	11	142	474	474	NUM
egc-394	11	143	35	35	NUM
egc-394	11	144	%	%	NOUN
egc-394	11	145	23	23	NUM
egc-394	11	146	%	%	NOUN
egc-394	11	147	other	other	ADJ
egc-394	11	148	sectors	sector	NOUN
egc-394	11	149	57	57	NUM
egc-394	11	150	147	147	NUM
egc-394	11	151	11	11	NUM
egc-394	11	152	%	%	NOUN
egc-394	11	153	71	71	NUM
egc-394	11	154	272	272	NUM
egc-394	11	155	12	12	NUM
egc-394	11	156	%	%	NOUN
egc-394	11	157	25	25	NUM
egc-394	11	158	%	%	NOUN
egc-394	11	159	based	base	VERB
egc-394	11	160	on	on	ADP
egc-394	11	161	the	the	DET
egc-394	11	162	analysis	analysis	NOUN
egc-394	11	163	of	of	ADP
egc-394	11	164	the	the	DET
egc-394	11	165	table	table	NOUN
egc-394	11	166	data	datum	NOUN
egc-394	11	167	,	,	PUNCT
egc-394	11	168	a	a	DET
egc-394	11	169	significant	significant	ADJ
egc-394	11	170	increase	increase	NOUN
egc-394	11	171	in	in	ADP
egc-394	11	172	the	the	DET
egc-394	11	173	volume	volume	NOUN
egc-394	11	174	of	of	ADP
egc-394	11	175	loans	loan	NOUN
egc-394	11	176	allocated	allocate	VERB
egc-394	11	177	by	by	ADP
egc-394	11	178	commercial	commercial	ADJ
egc-394	11	179	banks	bank	NOUN
egc-394	11	180	to	to	ADP
egc-394	11	181	individuals	individual	NOUN
egc-394	11	182	was	be	AUX
egc-394	11	183	observed	observe	VERB
egc-394	11	184	in	in	ADP
egc-394	11	185	the	the	DET
egc-394	11	186	same	same	ADJ
egc-394	11	187	period	period	NOUN
egc-394	11	188	of	of	ADP
egc-394	11	189	2025	2025	NUM
egc-394	11	190	compared	compare	VERB
egc-394	11	191	to	to	ADP
egc-394	11	192	september	september	PROPN
egc-394	11	193	1	1	NUM
egc-394	11	194	,	,	PUNCT
egc-394	11	195	2024	2024	NUM
egc-394	11	196	.	.	PUNCT
egc-394	12	1	specifically	specifically	ADV
egc-394	12	2	,	,	PUNCT
egc-394	12	3	this	this	DET
egc-394	12	4	indicator	indicator	NOUN
egc-394	12	5	grew	grow	VERB
egc-394	12	6	by	by	ADP
egc-394	12	7	23	23	NUM
egc-394	12	8	%	%	NOUN
egc-394	12	9	,	,	PUNCT
egc-394	12	10	with	with	ADP
egc-394	12	11	the	the	DET
egc-394	12	12	share	share	NOUN
egc-394	12	13	of	of	ADP
egc-394	12	14	individuals	individual	NOUN
egc-394	12	15	in	in	ADP
egc-394	12	16	the	the	DET
egc-394	12	17	total	total	ADJ
egc-394	12	18	credit	credit	NOUN
egc-394	12	19	portfolio	portfolio	NOUN
egc-394	12	20	rising	rise	VERB
egc-394	12	21	from	from	ADP
egc-394	12	22	33	33	NUM
egc-394	12	23	%	%	NOUN
egc-394	12	24	to	to	PART
egc-394	12	25	35	35	NUM
egc-394	12	26	%	%	NOUN
egc-394	12	27	.	.	PUNCT
egc-394	13	1	this	this	PRON
egc-394	13	2	means	mean	VERB
egc-394	13	3	that	that	SCONJ
egc-394	13	4	the	the	DET
egc-394	13	5	growth	growth	NOUN
egc-394	13	6	rate	rate	NOUN
egc-394	13	7	of	of	ADP
egc-394	13	8	the	the	DET
egc-394	13	9	individual	individual	ADJ
egc-394	13	10	segment	segment	NOUN
egc-394	13	11	within	within	ADP
egc-394	13	12	banks	bank	NOUN
egc-394	13	13	’	'	PUNCT
egc-394	13	14	credit	credit	NOUN
egc-394	13	15	portfolios	portfolio	NOUN
egc-394	13	16	exceeded	exceed	VERB
egc-394	13	17	the	the	DET
egc-394	13	18	overall	overall	ADJ
egc-394	13	19	credit	credit	NOUN
egc-394	13	20	growth	growth	NOUN
egc-394	13	21	,	,	PUNCT
egc-394	13	22	indicating	indicate	VERB
egc-394	13	23	an	an	DET
egc-394	13	24	increase	increase	NOUN
egc-394	13	25	in	in	ADP
egc-394	13	26	their	their	PRON
egc-394	13	27	economic	economic	ADJ
egc-394	13	28	activity	activity	NOUN
egc-394	13	29	and	and	CCONJ
egc-394	13	30	demand	demand	NOUN
egc-394	13	31	for	for	ADP
egc-394	13	32	financial	financial	ADJ
egc-394	13	33	services	service	NOUN
egc-394	13	34	.	.	PUNCT
egc-394	14	1	this	this	DET
egc-394	14	2	situation	situation	NOUN
egc-394	14	3	can	can	AUX
egc-394	14	4	be	be	AUX
egc-394	14	5	explained	explain	VERB
egc-394	14	6	by	by	ADP
egc-394	14	7	improvements	improvement	NOUN
egc-394	14	8	in	in	ADP
egc-394	14	9	the	the	DET
egc-394	14	10	population	population	NOUN
egc-394	14	11	’s	’s	PART
egc-394	14	12	living	living	NOUN
egc-394	14	13	standards	standard	NOUN
egc-394	14	14	,	,	PUNCT
egc-394	14	15	expanded	expand	VERB
egc-394	14	16	opportunities	opportunity	NOUN
egc-394	14	17	for	for	ADP
egc-394	14	18	obtaining	obtain	VERB
egc-394	14	19	loans	loan	NOUN
egc-394	14	20	,	,	PUNCT
egc-394	14	21	and	and	CCONJ
egc-394	14	22	increased	increase	VERB
egc-394	14	23	trust	trust	NOUN
egc-394	14	24	in	in	ADP
egc-394	14	25	financial	financial	ADJ
egc-394	14	26	services	service	NOUN
egc-394	14	27	.	.	PUNCT
egc-394	15	1	as	as	ADP
egc-394	15	2	a	a	DET
egc-394	15	3	result	result	NOUN
egc-394	15	4	,	,	PUNCT
egc-394	15	5	banks	bank	NOUN
egc-394	15	6	prefer	prefer	VERB
egc-394	15	7	to	to	PART
egc-394	15	8	increase	increase	VERB
egc-394	15	9	the	the	DET
egc-394	15	10	volume	volume	NOUN
egc-394	15	11	of	of	ADP
egc-394	15	12	loans	loan	NOUN
egc-394	15	13	granted	grant	VERB
egc-394	15	14	to	to	ADP
egc-394	15	15	individuals	individual	NOUN
egc-394	15	16	in	in	ADP
egc-394	15	17	their	their	PRON
egc-394	15	18	credit	credit	NOUN
egc-394	15	19	policies	policy	NOUN
egc-394	15	20	.	.	PUNCT
egc-394	16	1	this	this	DET
egc-394	16	2	process	process	NOUN
egc-394	16	3	plays	play	VERB
egc-394	16	4	a	a	DET
egc-394	16	5	crucial	crucial	ADJ
egc-394	16	6	role	role	NOUN
egc-394	16	7	in	in	ADP
egc-394	16	8	stimulating	stimulate	VERB
egc-394	16	9	domestic	domestic	ADJ
egc-394	16	10	demand	demand	NOUN
egc-394	16	11	in	in	ADP
egc-394	16	12	the	the	DET
egc-394	16	13	economy	economy	NOUN
egc-394	16	14	and	and	CCONJ
egc-394	16	15	increasing	increase	VERB
egc-394	16	16	investments	investment	NOUN
egc-394	16	17	in	in	ADP
egc-394	16	18	the	the	DET
egc-394	16	19	consumption	consumption	NOUN
egc-394	16	20	and	and	CCONJ
egc-394	16	21	production	production	NOUN
egc-394	16	22	sectors	sector	NOUN
egc-394	16	23	.	.	PUNCT
egc-394	17	1	1	1	NUM
egc-394	17	2	official	official	ADJ
egc-394	17	3	website	website	NOUN
egc-394	17	4	of	of	ADP
egc-394	17	5	the	the	DET
egc-394	17	6	central	central	ADJ
egc-394	17	7	bank	bank	NOUN
egc-394	17	8	of	of	ADP
egc-394	17	9	the	the	DET
egc-394	17	10	republic	republic	NOUN
egc-394	17	11	of	of	ADP
egc-394	17	12	uzbekistan	uzbekistan	PROPN
egc-394	17	13	:	:	PUNCT
egc-394	17	14	https://www.cbu.uz	https://www.cbu.uz	PUNCT
egc-394	17	15	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-394	17	16	eglobal	eglobal	PROPN
egc-394	17	17	congress	congress	PROPN
egc-394	17	18	hosted	host	VERB
egc-394	17	19	online	online	ADV
egc-394	17	20	from	from	ADP
egc-394	17	21	dubai	dubai	PROPN
egc-394	17	22	,	,	PUNCT
egc-394	17	23	u.	u.	PROPN
egc-394	17	24	a.	a.	PROPN
egc-394	17	25	e.	e.	PROPN
egc-394	17	26	,	,	PUNCT
egc-394	17	27	e	e	PROPN
egc-394	17	28	conference	conference	NOUN
egc-394	17	29	.	.	PUNCT
egc-394	18	1	date	date	NOUN
egc-394	18	2	:	:	PUNCT
egc-394	18	3	30th	30th	ADJ
egc-394	18	4	october	october	PROPN
egc-394	18	5	2025	2025	NUM
egc-394	18	6	website	website	NOUN
egc-394	18	7	:	:	PUNCT
egc-394	18	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-394	18	9	issn	issn	PROPN
egc-394	18	10	(	(	PUNCT
egc-394	18	11	e	e	NOUN
egc-394	18	12	):	):	PUNCT
egc-394	18	13	2836	2836	NUM
egc-394	18	14	-	-	SYM
egc-394	18	15	3612	3612	NUM
egc-394	18	16	11	11	NUM
egc-394	19	1	|	|	ADV
egc-394	19	2	p	p	NOUN
egc-394	19	3	a	a	DET
egc-394	19	4	g	g	NOUN
egc-394	19	5	e	e	NOUN
egc-394	19	6	analysis	analysis	NOUN
egc-394	19	7	of	of	ADP
egc-394	19	8	the	the	DET
egc-394	19	9	reasons	reason	NOUN
egc-394	19	10	for	for	ADP
egc-394	19	11	the	the	DET
egc-394	19	12	growth	growth	NOUN
egc-394	19	13	of	of	ADP
egc-394	19	14	loans	loan	NOUN
egc-394	19	15	to	to	ADP
egc-394	19	16	individuals	individual	NOUN
egc-394	19	17	the	the	DET
egc-394	19	18	expansion	expansion	NOUN
egc-394	19	19	of	of	ADP
egc-394	19	20	the	the	DET
egc-394	19	21	credit	credit	NOUN
egc-394	19	22	portfolio	portfolio	NOUN
egc-394	19	23	in	in	ADP
egc-394	19	24	the	the	DET
egc-394	19	25	individual	individual	ADJ
egc-394	19	26	segment	segment	NOUN
egc-394	19	27	is	be	AUX
egc-394	19	28	driven	drive	VERB
egc-394	19	29	by	by	ADP
egc-394	19	30	a	a	DET
egc-394	19	31	combination	combination	NOUN
egc-394	19	32	of	of	ADP
egc-394	19	33	key	key	ADJ
egc-394	19	34	factors	factor	NOUN
egc-394	19	35	,	,	PUNCT
egc-394	19	36	rooted	root	VERB
egc-394	19	37	in	in	ADP
egc-394	19	38	the	the	DET
egc-394	19	39	intersection	intersection	NOUN
egc-394	19	40	of	of	ADP
egc-394	19	41	economic	economic	ADJ
egc-394	19	42	,	,	PUNCT
egc-394	19	43	technological	technological	ADJ
egc-394	19	44	and	and	CCONJ
egc-394	19	45	social	social	ADJ
egc-394	19	46	developments	development	NOUN
egc-394	19	47	.	.	PUNCT
egc-394	20	1	firstly	firstly	ADV
egc-394	20	2	,	,	PUNCT
egc-394	20	3	the	the	DET
egc-394	20	4	digitalization	digitalization	NOUN
egc-394	20	5	and	and	CCONJ
egc-394	20	6	increased	increase	VERB
egc-394	20	7	accessibility	accessibility	NOUN
egc-394	20	8	of	of	ADP
egc-394	20	9	financial	financial	ADJ
egc-394	20	10	services	service	NOUN
egc-394	20	11	have	have	AUX
egc-394	20	12	substantially	substantially	ADV
egc-394	20	13	streamlined	streamline	VERB
egc-394	20	14	the	the	DET
egc-394	20	15	loan	loan	NOUN
egc-394	20	16	acquisition	acquisition	NOUN
egc-394	20	17	process	process	NOUN
egc-394	20	18	.	.	PUNCT
egc-394	21	1	the	the	DET
egc-394	21	2	widespread	widespread	ADJ
egc-394	21	3	adoption	adoption	NOUN
egc-394	21	4	of	of	ADP
egc-394	21	5	innovative	innovative	ADJ
egc-394	21	6	banking	banking	NOUN
egc-394	21	7	technologies	technology	NOUN
egc-394	21	8	and	and	CCONJ
egc-394	21	9	the	the	DET
egc-394	21	10	availability	availability	NOUN
egc-394	21	11	of	of	ADP
egc-394	21	12	online	online	ADJ
egc-394	21	13	platforms	platform	NOUN
egc-394	21	14	for	for	ADP
egc-394	21	15	rapid	rapid	ADJ
egc-394	21	16	and	and	CCONJ
egc-394	21	17	user	user	NOUN
egc-394	21	18	-	-	PUNCT
egc-394	21	19	friendly	friendly	ADJ
egc-394	21	20	loan	loan	NOUN
egc-394	21	21	application	application	NOUN
egc-394	21	22	processing	processing	NOUN
egc-394	21	23	have	have	AUX
egc-394	21	24	significantly	significantly	ADV
egc-394	21	25	enhanced	enhance	VERB
egc-394	21	26	public	public	ADJ
egc-394	21	27	trust	trust	NOUN
egc-394	21	28	in	in	ADP
egc-394	21	29	the	the	DET
egc-394	21	30	banking	banking	NOUN
egc-394	21	31	system	system	NOUN
egc-394	21	32	.	.	PUNCT
egc-394	22	1	this	this	PRON
egc-394	22	2	has	have	AUX
egc-394	22	3	,	,	PUNCT
egc-394	22	4	in	in	ADP
egc-394	22	5	turn	turn	NOUN
egc-394	22	6	,	,	PUNCT
egc-394	22	7	served	serve	VERB
egc-394	22	8	as	as	ADP
egc-394	22	9	a	a	DET
egc-394	22	10	catalyst	catalyst	NOUN
egc-394	22	11	for	for	ADP
egc-394	22	12	the	the	DET
egc-394	22	13	expansion	expansion	NOUN
egc-394	22	14	of	of	ADP
egc-394	22	15	the	the	DET
egc-394	22	16	consumer	consumer	NOUN
egc-394	22	17	credit	credit	NOUN
egc-394	22	18	market	market	NOUN
egc-394	22	19	.	.	PUNCT
egc-394	23	1	secondly	secondly	ADV
egc-394	23	2	,	,	PUNCT
egc-394	23	3	rising	rise	VERB
egc-394	23	4	household	household	NOUN
egc-394	23	5	incomes	income	NOUN
egc-394	23	6	and	and	CCONJ
egc-394	23	7	improvements	improvement	NOUN
egc-394	23	8	in	in	ADP
egc-394	23	9	living	living	NOUN
egc-394	23	10	standards	standard	NOUN
egc-394	23	11	have	have	AUX
egc-394	23	12	led	lead	VERB
egc-394	23	13	to	to	ADP
egc-394	23	14	an	an	DET
egc-394	23	15	increase	increase	NOUN
egc-394	23	16	in	in	ADP
egc-394	23	17	consumer	consumer	NOUN
egc-394	23	18	demand	demand	NOUN
egc-394	23	19	.	.	PUNCT
egc-394	24	1	the	the	DET
egc-394	24	2	demand	demand	NOUN
egc-394	24	3	for	for	ADP
egc-394	24	4	housing	housing	NOUN
egc-394	24	5	,	,	PUNCT
egc-394	24	6	education	education	NOUN
egc-394	24	7	,	,	PUNCT
egc-394	24	8	healthcare	healthcare	PROPN
egc-394	24	9	services	service	NOUN
egc-394	24	10	,	,	PUNCT
egc-394	24	11	and	and	CCONJ
egc-394	24	12	household	household	NOUN
egc-394	24	13	appliances	appliance	NOUN
egc-394	24	14	has	have	AUX
egc-394	24	15	increased	increase	VERB
egc-394	24	16	,	,	PUNCT
egc-394	24	17	making	make	VERB
egc-394	24	18	loans	loan	NOUN
egc-394	24	19	an	an	DET
egc-394	24	20	important	important	ADJ
egc-394	24	21	financial	financial	ADJ
egc-394	24	22	tool	tool	NOUN
egc-394	24	23	in	in	ADP
egc-394	24	24	people	people	NOUN
egc-394	24	25	’s	’s	PART
egc-394	24	26	everyday	everyday	ADJ
egc-394	24	27	lives	life	NOUN
egc-394	24	28	.	.	PUNCT
egc-394	25	1	thirdly	thirdly	ADV
egc-394	25	2	,	,	PUNCT
egc-394	25	3	the	the	DET
egc-394	25	4	increase	increase	NOUN
egc-394	25	5	in	in	ADP
egc-394	25	6	officially	officially	ADV
egc-394	25	7	reported	report	VERB
egc-394	25	8	incomes	income	NOUN
egc-394	25	9	among	among	ADP
egc-394	25	10	economically	economically	ADV
egc-394	25	11	active	active	ADJ
egc-394	25	12	populations	population	NOUN
egc-394	25	13	,	,	PUNCT
egc-394	25	14	alongside	alongside	ADP
egc-394	25	15	improvements	improvement	NOUN
egc-394	25	16	in	in	ADP
egc-394	25	17	financial	financial	ADJ
egc-394	25	18	inclusion	inclusion	NOUN
egc-394	25	19	,	,	PUNCT
egc-394	25	20	has	have	AUX
egc-394	25	21	expanded	expand	VERB
egc-394	25	22	access	access	NOUN
egc-394	25	23	to	to	ADP
egc-394	25	24	credit	credit	NOUN
egc-394	25	25	.	.	PUNCT
egc-394	26	1	the	the	DET
egc-394	26	2	formalization	formalization	NOUN
egc-394	26	3	of	of	ADP
egc-394	26	4	income	income	NOUN
egc-394	26	5	through	through	ADP
egc-394	26	6	banking	banking	NOUN
egc-394	26	7	channels	channel	NOUN
egc-394	26	8	has	have	AUX
egc-394	26	9	contributed	contribute	VERB
egc-394	26	10	to	to	ADP
egc-394	26	11	greater	great	ADJ
egc-394	26	12	transparency	transparency	NOUN
egc-394	26	13	in	in	ADP
egc-394	26	14	the	the	DET
egc-394	26	15	financial	financial	ADJ
egc-394	26	16	system	system	NOUN
egc-394	26	17	,	,	PUNCT
egc-394	26	18	mitigated	mitigate	VERB
egc-394	26	19	credit	credit	NOUN
egc-394	26	20	-	-	PUNCT
egc-394	26	21	related	relate	VERB
egc-394	26	22	risks	risk	NOUN
egc-394	26	23	,	,	PUNCT
egc-394	26	24	and	and	CCONJ
egc-394	26	25	fostered	foster	VERB
egc-394	26	26	stable	stable	ADJ
egc-394	26	27	growth	growth	NOUN
egc-394	26	28	within	within	ADP
egc-394	26	29	the	the	DET
egc-394	26	30	individual	individual	ADJ
egc-394	26	31	loan	loan	NOUN
egc-394	26	32	portfolio	portfolio	NOUN
egc-394	26	33	.	.	PUNCT
egc-394	27	1	fourthly	fourthly	ADV
egc-394	27	2	,	,	PUNCT
egc-394	27	3	government	government	NOUN
egc-394	27	4	-	-	PUNCT
egc-394	27	5	supported	support	VERB
egc-394	27	6	credit	credit	NOUN
egc-394	27	7	initiatives	initiative	NOUN
egc-394	27	8	—	—	PUNCT
egc-394	27	9	including	include	VERB
egc-394	27	10	mortgage	mortgage	NOUN
egc-394	27	11	loans	loan	NOUN
egc-394	27	12	,	,	PUNCT
egc-394	27	13	student	student	NOUN
egc-394	27	14	financing	financing	NOUN
egc-394	27	15	,	,	PUNCT
egc-394	27	16	and	and	CCONJ
egc-394	27	17	subsidized	subsidized	ADJ
egc-394	27	18	lending	lending	NOUN
egc-394	27	19	programs	program	NOUN
egc-394	27	20	—	—	PUNCT
egc-394	27	21	have	have	AUX
egc-394	27	22	significantly	significantly	ADV
egc-394	27	23	enhanced	enhance	VERB
egc-394	27	24	individuals	individual	NOUN
egc-394	27	25	’	'	PUNCT
egc-394	27	26	access	access	NOUN
egc-394	27	27	to	to	ADP
egc-394	27	28	credit	credit	NOUN
egc-394	27	29	and	and	CCONJ
egc-394	27	30	stimulated	stimulate	VERB
egc-394	27	31	demand	demand	NOUN
egc-394	27	32	across	across	ADP
egc-394	27	33	the	the	DET
egc-394	27	34	market	market	NOUN
egc-394	27	35	.	.	PUNCT
egc-394	28	1	these	these	DET
egc-394	28	2	programs	program	NOUN
egc-394	28	3	play	play	VERB
egc-394	28	4	a	a	DET
egc-394	28	5	critical	critical	ADJ
egc-394	28	6	role	role	NOUN
egc-394	28	7	in	in	ADP
egc-394	28	8	reinforcing	reinforce	VERB
egc-394	28	9	financial	financial	ADJ
egc-394	28	10	stability	stability	NOUN
egc-394	28	11	,	,	PUNCT
egc-394	28	12	strengthening	strengthen	VERB
egc-394	28	13	the	the	DET
egc-394	28	14	social	social	ADJ
egc-394	28	15	protection	protection	NOUN
egc-394	28	16	framework	framework	NOUN
egc-394	28	17	,	,	PUNCT
egc-394	28	18	and	and	CCONJ
egc-394	28	19	improving	improve	VERB
egc-394	28	20	overall	overall	ADJ
egc-394	28	21	living	living	NOUN
egc-394	28	22	standards	standard	NOUN
egc-394	28	23	.	.	PUNCT
egc-394	29	1	thus	thus	ADV
egc-394	29	2	,	,	PUNCT
egc-394	29	3	the	the	DET
egc-394	29	4	growth	growth	NOUN
egc-394	29	5	of	of	ADP
egc-394	29	6	the	the	DET
egc-394	29	7	loan	loan	NOUN
egc-394	29	8	portfolio	portfolio	NOUN
egc-394	29	9	in	in	ADP
egc-394	29	10	the	the	DET
egc-394	29	11	individual	individual	ADJ
egc-394	29	12	segment	segment	NOUN
egc-394	29	13	results	result	NOUN
egc-394	29	14	from	from	ADP
egc-394	29	15	the	the	DET
egc-394	29	16	combined	combine	VERB
egc-394	29	17	effects	effect	NOUN
egc-394	29	18	of	of	ADP
egc-394	29	19	the	the	DET
egc-394	29	20	modernization	modernization	NOUN
egc-394	29	21	of	of	ADP
egc-394	29	22	financial	financial	ADJ
egc-394	29	23	services	service	NOUN
egc-394	29	24	,	,	PUNCT
egc-394	29	25	the	the	DET
egc-394	29	26	increasing	increase	VERB
egc-394	29	27	financial	financial	ADJ
egc-394	29	28	needs	need	NOUN
egc-394	29	29	of	of	ADP
egc-394	29	30	the	the	DET
egc-394	29	31	population	population	NOUN
egc-394	29	32	,	,	PUNCT
egc-394	29	33	the	the	DET
egc-394	29	34	rise	rise	NOUN
egc-394	29	35	in	in	ADP
egc-394	29	36	formal	formal	ADJ
egc-394	29	37	incomes	income	NOUN
egc-394	29	38	and	and	CCONJ
egc-394	29	39	supportive	supportive	ADJ
egc-394	29	40	government	government	NOUN
egc-394	29	41	policies	policy	NOUN
egc-394	29	42	.	.	PUNCT
egc-394	30	1	the	the	DET
egc-394	30	2	expansion	expansion	NOUN
egc-394	30	3	of	of	ADP
egc-394	30	4	loans	loan	NOUN
egc-394	30	5	to	to	ADP
egc-394	30	6	individuals	individual	NOUN
egc-394	30	7	strengthens	strengthen	VERB
egc-394	30	8	domestic	domestic	ADJ
egc-394	30	9	demand	demand	NOUN
egc-394	30	10	within	within	ADP
egc-394	30	11	the	the	DET
egc-394	30	12	economy	economy	NOUN
egc-394	30	13	and	and	CCONJ
egc-394	30	14	stimulates	stimulate	VERB
egc-394	30	15	demand	demand	NOUN
egc-394	30	16	across	across	ADP
egc-394	30	17	production	production	NOUN
egc-394	30	18	and	and	CCONJ
egc-394	30	19	service	service	NOUN
egc-394	30	20	sectors	sector	NOUN
egc-394	30	21	.	.	PUNCT
egc-394	31	1	simultaneously	simultaneously	ADV
egc-394	31	2	,	,	PUNCT
egc-394	31	3	the	the	DET
egc-394	31	4	development	development	NOUN
egc-394	31	5	of	of	ADP
egc-394	31	6	lending	lending	NOUN
egc-394	31	7	mechanisms	mechanism	NOUN
egc-394	31	8	contributes	contribute	VERB
egc-394	31	9	to	to	ADP
egc-394	31	10	enhancing	enhance	VERB
egc-394	31	11	the	the	DET
egc-394	31	12	stability	stability	NOUN
egc-394	31	13	of	of	ADP
egc-394	31	14	the	the	DET
egc-394	31	15	banking	banking	NOUN
egc-394	31	16	system	system	NOUN
egc-394	31	17	.	.	PUNCT
egc-394	32	1	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-394	32	2	eglobal	eglobal	PROPN
egc-394	32	3	congress	congress	PROPN
egc-394	32	4	hosted	host	VERB
egc-394	32	5	online	online	ADV
egc-394	32	6	from	from	ADP
egc-394	32	7	dubai	dubai	PROPN
egc-394	32	8	,	,	PUNCT
egc-394	32	9	u.	u.	PROPN
egc-394	32	10	a.	a.	PROPN
egc-394	32	11	e.	e.	PROPN
egc-394	32	12	,	,	PUNCT
egc-394	32	13	e	e	PROPN
egc-394	32	14	conference	conference	NOUN
egc-394	32	15	.	.	PUNCT
egc-394	33	1	date	date	NOUN
egc-394	33	2	:	:	PUNCT
egc-394	33	3	30th	30th	ADJ
egc-394	33	4	october	october	PROPN
egc-394	33	5	2025	2025	NUM
egc-394	33	6	website	website	NOUN
egc-394	33	7	:	:	PUNCT
egc-394	33	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-394	33	9	issn	issn	PROPN
egc-394	33	10	(	(	PUNCT
egc-394	33	11	e	e	NOUN
egc-394	33	12	):	):	PUNCT
egc-394	33	13	2836	2836	NUM
egc-394	33	14	-	-	SYM
egc-394	33	15	3612	3612	NUM
egc-394	33	16	12	12	NUM
egc-394	33	17	|	|	ADV
egc-394	33	18	p	p	NOUN
egc-394	33	19	a	a	DET
egc-394	33	20	g	g	NOUN
egc-394	33	21	e	e	NOUN
egc-394	33	22	the	the	DET
egc-394	33	23	share	share	NOUN
egc-394	33	24	of	of	ADP
egc-394	33	25	loans	loan	NOUN
egc-394	33	26	to	to	ADP
egc-394	33	27	individuals	individual	NOUN
egc-394	33	28	in	in	ADP
egc-394	33	29	the	the	DET
egc-394	33	30	credit	credit	NOUN
egc-394	33	31	portfolios	portfolio	NOUN
egc-394	33	32	of	of	ADP
egc-394	33	33	commercial	commercial	ADJ
egc-394	33	34	banks	bank	NOUN
egc-394	33	35	in	in	ADP
egc-394	33	36	uzbekistan	uzbekistan	PROPN
egc-394	33	37	increased	increase	VERB
egc-394	33	38	from	from	ADP
egc-394	33	39	33	33	NUM
egc-394	33	40	%	%	NOUN
egc-394	33	41	to	to	PART
egc-394	33	42	35	35	NUM
egc-394	33	43	%	%	NOUN
egc-394	33	44	between	between	ADP
egc-394	33	45	2024	2024	NUM
egc-394	33	46	and	and	CCONJ
egc-394	33	47	2025	2025	NUM
egc-394	33	48	,	,	PUNCT
egc-394	33	49	while	while	SCONJ
egc-394	33	50	the	the	DET
egc-394	33	51	overall	overall	ADJ
egc-394	33	52	loan	loan	NOUN
egc-394	33	53	volume	volume	NOUN
egc-394	33	54	grew	grow	VERB
egc-394	33	55	by	by	ADP
egc-394	33	56	23	23	NUM
egc-394	33	57	%	%	NOUN
egc-394	33	58	.	.	PUNCT
egc-394	34	1	this	this	DET
egc-394	34	2	growth	growth	NOUN
egc-394	34	3	is	be	AUX
egc-394	34	4	associated	associate	VERB
egc-394	34	5	with	with	ADP
egc-394	34	6	the	the	DET
egc-394	34	7	widespread	widespread	ADJ
egc-394	34	8	adoption	adoption	NOUN
egc-394	34	9	of	of	ADP
egc-394	34	10	financial	financial	ADJ
egc-394	34	11	services	service	NOUN
egc-394	34	12	,	,	PUNCT
egc-394	34	13	rising	rise	VERB
egc-394	34	14	incomes	income	NOUN
egc-394	34	15	and	and	CCONJ
egc-394	34	16	consumer	consumer	NOUN
egc-394	34	17	needs	need	NOUN
egc-394	34	18	,	,	PUNCT
egc-394	34	19	increases	increase	NOUN
egc-394	34	20	in	in	ADP
egc-394	34	21	formal	formal	ADJ
egc-394	34	22	income	income	NOUN
egc-394	34	23	declarations	declaration	NOUN
egc-394	34	24	and	and	CCONJ
egc-394	34	25	the	the	DET
egc-394	34	26	impact	impact	NOUN
egc-394	34	27	of	of	ADP
egc-394	34	28	government	government	NOUN
egc-394	34	29	support	support	NOUN
egc-394	34	30	programs	program	NOUN
egc-394	34	31	.	.	PUNCT
egc-394	35	1	to	to	PART
egc-394	35	2	support	support	VERB
egc-394	35	3	and	and	CCONJ
egc-394	35	4	further	far	ADV
egc-394	35	5	develop	develop	VERB
egc-394	35	6	these	these	DET
egc-394	35	7	processes	process	NOUN
egc-394	35	8	,	,	PUNCT
egc-394	35	9	it	it	PRON
egc-394	35	10	is	be	AUX
egc-394	35	11	essential	essential	ADJ
egc-394	35	12	to	to	PART
egc-394	35	13	enhance	enhance	VERB
egc-394	35	14	financial	financial	ADJ
egc-394	35	15	literacy	literacy	NOUN
egc-394	35	16	,	,	PUNCT
egc-394	35	17	improve	improve	VERB
egc-394	35	18	credit	credit	NOUN
egc-394	35	19	risk	risk	NOUN
egc-394	35	20	management	management	NOUN
egc-394	35	21	and	and	CCONJ
egc-394	35	22	advance	advance	VERB
egc-394	35	23	digital	digital	ADJ
egc-394	35	24	financial	financial	ADJ
egc-394	35	25	services	service	NOUN
egc-394	35	26	.	.	PUNCT
egc-394	36	1	in	in	ADP
egc-394	36	2	conclusion	conclusion	NOUN
egc-394	36	3	,	,	PUNCT
egc-394	36	4	the	the	DET
egc-394	36	5	volume	volume	NOUN
egc-394	36	6	and	and	CCONJ
egc-394	36	7	share	share	NOUN
egc-394	36	8	of	of	ADP
egc-394	36	9	loans	loan	NOUN
egc-394	36	10	allocated	allocate	VERB
egc-394	36	11	to	to	ADP
egc-394	36	12	individuals	individual	NOUN
egc-394	36	13	by	by	ADP
egc-394	36	14	commercial	commercial	ADJ
egc-394	36	15	banks	bank	NOUN
egc-394	36	16	in	in	ADP
egc-394	36	17	uzbekistan	uzbekistan	PROPN
egc-394	36	18	saw	see	VERB
egc-394	36	19	significant	significant	ADJ
egc-394	36	20	growth	growth	NOUN
egc-394	36	21	during	during	ADP
egc-394	36	22	2024–2025	2024–2025	NUM
egc-394	36	23	.	.	PUNCT
egc-394	37	1	the	the	DET
egc-394	37	2	primary	primary	ADJ
egc-394	37	3	drivers	driver	NOUN
egc-394	37	4	of	of	ADP
egc-394	37	5	this	this	DET
egc-394	37	6	increase	increase	NOUN
egc-394	37	7	include	include	VERB
egc-394	37	8	the	the	DET
egc-394	37	9	digitalization	digitalization	NOUN
egc-394	37	10	of	of	ADP
egc-394	37	11	financial	financial	ADJ
egc-394	37	12	services	service	NOUN
egc-394	37	13	,	,	PUNCT
egc-394	37	14	expanding	expand	VERB
egc-394	37	15	consumer	consumer	NOUN
egc-394	37	16	demand	demand	NOUN
egc-394	37	17	,	,	PUNCT
egc-394	37	18	growing	grow	VERB
egc-394	37	19	formal	formal	ADJ
egc-394	37	20	incomes	income	NOUN
egc-394	37	21	and	and	CCONJ
egc-394	37	22	the	the	DET
egc-394	37	23	presence	presence	NOUN
egc-394	37	24	of	of	ADP
egc-394	37	25	state	state	NOUN
egc-394	37	26	-	-	PUNCT
egc-394	37	27	supported	support	VERB
egc-394	37	28	credit	credit	NOUN
egc-394	37	29	programs	program	NOUN
egc-394	37	30	.	.	PUNCT
egc-394	38	1	these	these	DET
egc-394	38	2	factors	factor	NOUN
egc-394	38	3	have	have	AUX
egc-394	38	4	collectively	collectively	ADV
egc-394	38	5	contributed	contribute	VERB
egc-394	38	6	to	to	ADP
egc-394	38	7	the	the	DET
egc-394	38	8	expansion	expansion	NOUN
egc-394	38	9	of	of	ADP
egc-394	38	10	lending	lending	NOUN
egc-394	38	11	within	within	ADP
egc-394	38	12	the	the	DET
egc-394	38	13	individual	individual	ADJ
egc-394	38	14	segment	segment	NOUN
egc-394	38	15	,	,	PUNCT
egc-394	38	16	thereby	thereby	ADV
egc-394	38	17	fostering	foster	VERB
egc-394	38	18	stable	stable	ADJ
egc-394	38	19	growth	growth	NOUN
egc-394	38	20	in	in	ADP
egc-394	38	21	banks	bank	NOUN
egc-394	38	22	’	’	PART
egc-394	38	23	credit	credit	NOUN
egc-394	38	24	portfolios	portfolio	NOUN
egc-394	38	25	.	.	PUNCT
egc-394	39	1	references	reference	NOUN
egc-394	39	2	1	1	NUM
egc-394	39	3	.	.	PUNCT
egc-394	39	4	abdullaev	abdullaev	PROPN
egc-394	39	5	a.	a.	PROPN
egc-394	39	6	,	,	PUNCT
egc-394	39	7	karimov	karimov	PROPN
egc-394	39	8	b.	b.	PROPN
egc-394	39	9	banking	banking	NOUN
egc-394	39	10	system	system	NOUN
egc-394	39	11	and	and	CCONJ
egc-394	39	12	lending	lending	NOUN
egc-394	39	13	:	:	PUNCT
egc-394	39	14	theory	theory	NOUN
egc-394	39	15	and	and	CCONJ
egc-394	39	16	practice	practice	NOUN
egc-394	39	17	.	.	PUNCT
egc-394	40	1	tashkent	tashkent	PROPN
egc-394	40	2	,	,	PUNCT
egc-394	40	3	economics	economics	NOUN
egc-394	40	4	publishing	publishing	NOUN
egc-394	40	5	,	,	PUNCT
egc-394	40	6	2022	2022	NUM
egc-394	40	7	.	.	PUNCT
egc-394	41	1	2	2	X
egc-394	41	2	.	.	X
egc-394	41	3	national	national	PROPN
egc-394	41	4	statistics	statistics	PROPN
egc-394	41	5	committee	committee	PROPN
egc-394	41	6	.	.	PUNCT
egc-394	42	1	yearbook	yearbook	NOUN
egc-394	42	2	of	of	ADP
egc-394	42	3	economic	economic	ADJ
egc-394	42	4	indicators	indicator	NOUN
egc-394	42	5	of	of	ADP
egc-394	42	6	uzbekistan	uzbekistan	PROPN
egc-394	42	7	,	,	PUNCT
egc-394	42	8	2024	2024	NUM
egc-394	42	9	.	.	PUNCT
egc-394	43	1	3	3	X
egc-394	43	2	.	.	X
egc-394	43	3	central	central	ADJ
egc-394	43	4	bank	bank	PROPN
egc-394	43	5	of	of	ADP
egc-394	43	6	the	the	DET
egc-394	43	7	republic	republic	NOUN
egc-394	43	8	of	of	ADP
egc-394	43	9	uzbekistan	uzbekistan	PROPN
egc-394	43	10	official	official	ADJ
egc-394	43	11	website	website	NOUN
egc-394	43	12	:	:	PUNCT
egc-394	43	13	https://www.cbu.uz	https://www.cbu.uz	NUM
egc-394	43	14	4	4	NUM
egc-394	43	15	.	.	NOUN
egc-394	43	16	uzdaily.uz	uzdaily.uz	NUM
egc-394	43	17	,	,	PUNCT
egc-394	43	18	“	"	PUNCT
egc-394	43	19	bank	bank	NOUN
egc-394	43	20	credit	credit	NOUN
egc-394	43	21	portfolio	portfolio	NOUN
egc-394	43	22	results	result	VERB
egc-394	43	23	for	for	ADP
egc-394	43	24	2024	2024	NUM
egc-394	43	25	,	,	PUNCT
egc-394	43	26	”	"	PUNCT
egc-394	43	27	2025	2025	NUM
egc-394	43	28	.	.	PUNCT
egc-394	44	1	5	5	NUM
egc-394	44	2	.	.	X
egc-394	44	3	association	association	NOUN
egc-394	44	4	of	of	ADP
egc-394	44	5	banks	bank	NOUN
egc-394	44	6	of	of	ADP
egc-394	44	7	uzbekistan	uzbekistan	PROPN
egc-394	44	8	official	official	ADJ
egc-394	44	9	website	website	NOUN
egc-394	44	10	:	:	PUNCT
egc-394	44	11	https://uba.uz	https://uba.uz	NUM
egc-394	44	12	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-394	44	13	https://uba.uz/	https://uba.uz/	NOUN