Kontent original yozilgan. Quyidagi ochiq manbalar mavzu chegarasi va faktlarni tekshirish uchun ishlatilgan:- Basel Committee on Banking Supervision (2024), Core Principles for effective banking supervision https://www.bis.org/bcbs/publ/d573.htm- EU/OECD (2022), Financial competence framework for adults https://doi.org/10.1787/510f133c-en- OECD, PISA 2018 Financial Literacy Framework https://www.oecd.org/en/publications/pisa-2018-assessment-and-analytical-framework_b25efab8-en/full-report/component-6.html- Microsoft Support, Excel formulas and functions https://support.microsoft.com/excelMualliflik huquqi © 2026 Proto‘plami UZ. Bir xaridor uchun shaxsiy/ichki foydalanish litsenziyasi. Qayta sotish, ommaviy tarqatish, internetga joylash, boshqa mahsulot tarkibiga qo‘shish taqiqlanadi. Mahalliy qonun bilan berilgan majburiy huquqlar saqlanadi.