{"id":14562,"date":"2025-06-05T08:59:27","date_gmt":"2025-06-05T07:59:27","guid":{"rendered":"https:\/\/thndr.horizondm.com\/blog\/?p=14562"},"modified":"2025-06-05T08:59:29","modified_gmt":"2025-06-05T07:59:29","slug":"%d8%a7%d9%84%d8%b9%d8%ab%d9%88%d8%b1-%d8%b9%d9%84%d9%89-%d8%a7%d9%84%d9%82%d9%8a%d9%85%d8%a9-%d9%81%d9%8a-%d9%81%d8%a7%d9%84%d9%8a%d9%88","status":"publish","type":"post","link":"https:\/\/thndr.horizondm.com\/blogpost\/ar\/%d8%a7%d9%84%d8%b9%d8%ab%d9%88%d8%b1-%d8%b9%d9%84%d9%89-%d8%a7%d9%84%d9%82%d9%8a%d9%85%d8%a9-%d9%81%d9%8a-%d9%81%d8%a7%d9%84%d9%8a%d9%88\/","title":{"rendered":"\u0627\u0644\u0639\u062b\u0648\u0631 \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0645\u0629 \u0641\u064a \u0641\u0627\u0644\u064a\u0648"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0639\u0631\u0641\u062a\u0647 \u0642\u0628\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0623\u0633\u0647\u0645 VALU.<br><\/h2>\n\n\n\n<p>\u0639\u0645\u0631\u0648 \u0627\u0644\u0627\u0644\u0641\u064a \u0648\u0645\u062d\u0645\u062f \u062d\u0633\u0646\u064a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0627\u062a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0641\u0627\u0644\u064a\u0648 \u0647\u064a \u0634\u0631\u0643\u0629 \u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 &#8220;\u0627\u0634\u062a\u0631 \u0627\u0644\u0622\u0646\u060c \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b&#8221;\u060c \u0645\u062a\u0641\u0648\u0642\u0629 \u0641\u064a \u0646\u0645\u0648\u0647\u0627 \u0639\u0644\u0649 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a<\/li>\n\n\n\n<li>\u0623\u062f\u0649 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0645\u062a\u0646\u0648\u0639 \u0644\u0634\u0631\u0643\u0629 \u0641\u0627\u0644\u064a\u0648 \u0625\u0644\u0649 \u0646\u0645\u0648 \u0647\u0627\u0626\u0644 \u0641\u064a \u062d\u0635\u062a\u0647\u0627 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0646\u0643\u0645\u0634<\/li>\n\n\n\n<li>\u0627\u0646\u0639\u0643\u0633 \u0646\u0645\u0648 \u0641\u0627\u0644\u064a\u0648 \u0641\u064a \u0646\u0633\u0628 \u0627\u0644\u0631\u0628\u062d\u064a\u0629\u060c \u0648\u062e\u0627\u0635\u0629 \u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629<\/li>\n\n\n\n<li>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f\u060c \u0645\u0639 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0645\u0644\u0641 \u0645\u062e\u0627\u0637\u0631 \u0642\u0648\u064a<\/li>\n\n\n\n<li>\u0643\u064a\u0627\u0646 \u0631\u0627\u0626\u062f \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639\u0631\u0648\u0641 \u0628\u0633\u0645\u0639\u062a\u0647 \u0627\u0644\u0637\u064a\u0628\u0629 \u0648\u0639\u0644\u0627\u0645\u062a\u0647 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0642\u0648\u064a\u0629 \u0645\u0633\u062a\u0641\u064a\u062f\u0627\u064b \u0645\u0646 \u0645\u064a\u0632\u0629 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0629<\/li>\n\n\n\n<li>\u0645\u0633\u062a\u0641\u064a\u062f \u0645\u0646 \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0634\u0628\u0643\u0629\u060c \u0645\u062f\u0641\u0648\u0639\u0627\u064b \u0628\u0631\u064a\u0627\u062f\u062a\u0647 \u0641\u064a \u062d\u062c\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a<\/li>\n\n\n\n<li>\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629<\/li>\n\n\n\n<li>\u0633\u062c\u0644 \u062d\u0627\u0641\u0644 \u0645\u0646 \u0627\u0644\u0646\u062c\u0627\u062d\u0627\u062a \u0644\u0641\u0631\u064a\u0642 \u0625\u062f\u0627\u0631\u0629 \u0634\u0627\u0628 \u0645\u0628\u062a\u0643\u0631 \u064a\u0639\u0645\u0644 \u0639\u0644\u0649 \u0625\u062d\u062f\u0627\u062b \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u062c\u0630\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0633\u0644\u0628\u064a\u0627\u062a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0633\u0648\u0642 \u0630\u0648 \u062d\u0648\u0627\u062c\u0632 \u062f\u062e\u0648\u0644 \u0645\u0646\u062e\u0641\u0636\u0629 \u0645\u0639 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0645\u0646 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u064a\u0646 \u0627\u0644\u062c\u062f\u062f<\/li>\n\n\n\n<li>\u0644\u0627 \u062a\u0648\u062c\u062f \u062e\u0637\u0637 \u0644\u062a\u0648\u0632\u064a\u0639 \u0623\u0631\u0628\u0627\u062d \u0646\u0642\u062f\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0642\u0631\u064a\u0628<\/li>\n\n\n\n<li>\u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0623\u0633\u0647\u0645 \u062d\u0631\u0629 \u0627\u0644\u062a\u062f\u0627\u0648\u0644 \u0645\u062d\u062f\u0648\u062f\u0629<\/li>\n\n\n\n<li>\u0645\u062e\u0627\u0637\u0631 \u0628\u064a\u0639 \u0623\u064a \u0645\u0646 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646 \u0627\u0644\u062d\u0627\u0644\u064a\u064a\u0646 \u0642\u0628\u0644 \u0627\u0644\u0635\u0641\u0642\u0629<\/li>\n\n\n\n<li>\u0625\u0630\u0627 \u0627\u0646\u0639\u0643\u0633 \u0627\u062a\u062c\u0627\u0647 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0625\u0644\u0649 \u0627\u0644\u0623\u0639\u0644\u0649 \u0623\u0648 \u062c\u0627\u0621 \u062e\u0641\u0636 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0628\u0634\u0643\u0644 \u0623\u0628\u0637\u0623 \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639<\/li>\n\n\n\n<li>\u0625\u0630\u0627 \u0627\u0642\u062a\u0631\u0628\u062a \u0641\u0627\u0644\u064a\u0648 \u0645\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/li>\n\n\n\n<li>\u0625\u0630\u0627 \u062a\u0631\u0627\u062c\u0639 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0631\u064a\u0642<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0645\u062d\u0641\u0632\u0627\u062a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a \u0643\u062f\u0627\u0641\u0639 \u0644\u0644\u0646\u0645\u0648<\/li>\n\n\n\n<li>\u0627\u0646\u062e\u0641\u0627\u0636 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0641\u064a \u0645\u0635\u0631 \u064a\u062e\u0641\u0636 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644<\/li>\n\n\n\n<li>\u0627\u0646\u062e\u0641\u0627\u0636 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u062a\u0636\u062e\u0645 \u0641\u064a \u0645\u0635\u0631 \u0633\u064a\u0639\u0632\u0632 \u0627\u0644\u0637\u0644\u0628<\/li>\n\n\n\n<li>\u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062d \u0645\u0646 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u064a \u0644\u062f\u0639\u0645 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0646\u0645\u0648<\/li>\n\n\n\n<li>\u0623\u064a \u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0645\u062d\u062a\u0645\u0644 \u0639\u0644\u0649 \u0641\u0627\u0644\u064a\u0648 \u0642\u062f \u064a\u062f\u0641\u0639 \u0627\u0644\u0646\u0645\u0648 \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0645\u0642\u0627\u064a\u064a\u0633 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0633\u062a\u0634\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0644: 15.59 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 (7.4 \u062c\u0646\u064a\u0647\/\u0633\u0647\u0645)<\/li>\n\n\n\n<li>\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062f\u0641\u062a\u0631\u064a\u0629 2024 \/ \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 2025: 1.64 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 (0.777 \u062c\u0646\u064a\u0647\/\u0633\u0647\u0645) \/ 1.76 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 (0.836\/\u0633\u0647\u0645)<\/li>\n\n\n\n<li>\u0645\u0636\u0627\u0639\u0641 \u0627\u0644\u0631\u0628\u062d\u064a\u0629\u00a0 2024 \/ 2025\u0645: 36.9 \u0645\u0631\u0629 \/ 23.9 \u0645\u0631\u0629\u00a0<\/li>\n\n\n\n<li>\u0645\u0636\u0627\u0639\u0641 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062f\u0641\u062a\u0631\u064a\u0629 2024 \/ 2025\u0645: 9.5 \u0645\u0631\u0629 \/ 6.8 \u0645\u0631\u0629<\/li>\n\n\n\n<li>\u0645\u0636\u0627\u0639\u0641 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062f\u0641\u062a\u0631\u064a\u0629 \u0627\u0644\u0645\u0644\u0645\u0648\u0633\u0629 2024 \/ 2025\u0645: 13.4 \u0645\u0631\u0629 \/ 8.5 \u0645\u0631\u0629<\/li>\n\n\n\n<li>\u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646 2024 \/ 2025\u0645: 30% \/ 33%<\/li>\n\n\n\n<li>\u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646 \u0627\u0644\u0645\u0644\u0645\u0648\u0633 2024 \/ 2025\u0645: 45% \/ 43%<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0642\u0635\u0629<\/h2>\n\n\n\n<p><strong>\u0641\u0627\u0644\u064a\u0648 [VALU] <\/strong>(\u0627\u0644\u0645\u0639\u0631\u0648\u0641\u0629 \u0631\u0633\u064a\u0645\u0627\u064b \u0628\u0627\u0633\u0645 <strong>\u064a\u0648 <\/strong>\u0644<strong>\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a<\/strong>) \u0647\u064a \u0645\u0646\u0635\u0629 \u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u060c \u062a\u0642\u062f\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a. \u0645\u0646\u0630 \u0625\u0637\u0644\u0627\u0642\u0647\u0627 \u0641\u064a \u0639\u0627\u0645 2017\u060c \u0648\u0627\u0635\u0644\u062a \u0641\u0627\u0644\u064a\u0648 \u062a\u0642\u062f\u064a\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a.<\/p>\n\n\n\n<p>\u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647\u0627 \u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u062d\u0644\u0648\u0644 BNPL (\u0627\u0634\u062a\u0631 \u0627\u0644\u0622\u0646\u060c \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b)\u060c \u062a\u0639\u062f \u0641\u0627\u0644\u064a\u0648 \u0627\u0644\u0644\u0627\u0639\u0628 \u0631\u0642\u0645 1 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u0645\u0646 \u0627\u0644\u0633\u0648\u0642\u060c \u062d\u064a\u062b \u062a\u0642\u062f\u0645 \u062e\u0637\u0637 \u062a\u0645\u0648\u064a\u0644 \u0644\u0645\u062f\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 60 \u0634\u0647\u0631\u0627\u064b \u0639\u0628\u0631 \u0623\u0643\u062b\u0631 \u0645\u0646 6000 \u0646\u0642\u0637\u0629 \u0628\u064a\u0639 \u0648\u0623\u0643\u062b\u0631 \u0645\u0646 1500 \u0645\u062a\u062c\u0631 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0648\u062a\u063a\u0637\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0641\u0626\u0627\u062a.<\/p>\n\n\n\n<p>\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0648\u0627\u0644\u062f\u0641\u0639\u060c \u062a\u0642\u062f\u0645 \u0641\u0627\u0644\u064a\u0648 \u0623\u064a\u0636\u064b\u0627 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629\u060c \u0648\u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a \u0641\u0648\u0631\u064a\u060c \u0648\u062d\u0644\u0648\u0644 \u0627\u062f\u062e\u0627\u0631\u060c \u0648\u062d\u0644 \u062a\u0645\u0648\u064a\u0644\u064a \u0644\u062a\u0633\u0647\u064a\u0644 \u0634\u0631\u0627\u0621 \u0633\u0644\u0639 \u0643\u0628\u064a\u0631\u0629 \u062a\u0635\u0644 \u0642\u064a\u0645\u062a\u0647\u0627 \u0625\u0644\u0649 15 \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647.<\/p>\n\n\n\n<p>\u0641\u064a \u0639\u0627\u0645 2024\u060c \u0623\u0635\u062f\u0631\u062a \u0634\u0631\u0643\u0629 \u0641\u0627\u0644\u064a\u0648 \u0642\u0631\u0648\u0636\u0627\u064b \u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0628\u0642\u064a\u0645\u0629 14.8 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647\u060c \u0644\u062a\u0645\u0648\u064a\u0644 \u062c\u0632\u0621 \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0628\u0627\u0644\u063a\u0629 16.5 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647 \u0645\u0646 \u062e\u0644\u0627\u0644 4.1 \u0645\u0644\u064a\u0648\u0646 \u0645\u0639\u0627\u0645\u0644\u0629. \u0641\u064a \u0639\u0627\u0645 2025 \u062d\u062a\u0649 \u0627\u0644\u0622\u0646\u060c \u0628\u0644\u063a\u062a \u0627\u0644\u062d\u0635\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0644\u0641\u0627\u0644\u064a\u0648 \u062d\u0648\u0627\u0644\u064a 25%. \u0648\u0625\u0630\u0627 \u0627\u0633\u062a\u062b\u0646\u064a\u0646\u0627 \u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u062a\u0631\u062a\u0641\u0639 \u0647\u0630\u0647 \u0627\u0644\u062d\u0635\u0629 \u0625\u0644\u0649 \u062d\u0648\u0627\u0644\u064a 27%. \u0648\u0645\u0624\u062e\u0631\u0627\u064b\u060c \u0627\u062a\u062c\u0647\u062a \u0641\u0627\u0644\u064a\u0648 \u0646\u062d\u0648 \u0642\u0637\u0627\u0639 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0633\u0628\u0642\u060c \u0644\u062a\u062d\u062a\u0644 \u0627\u0644\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0645\u0646 \u062d\u064a\u062b \u0646\u0645\u0648 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0625\u062f\u0631\u0627\u062c<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">\u0645\u0627\u0630\u0627 \u0633\u064a\u062d\u062f\u062b\u061f<\/h4>\n\n\n\n<p>\u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0637\u0631\u062d \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0623\u0648\u0644\u064a \u0627\u0644\u0630\u064a \u062a\u0644\u062c\u0623 \u0625\u0644\u064a\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0627\u062f\u0629\u064b\u060c \u0633\u064a\u062a\u0645 \u062a\u062f\u0627\u0648\u0644 \u0623\u0633\u0647\u0645 \u0634\u0631\u0643\u0629 \u0641\u0627\u0644\u064a\u0648 \u0641\u064a \u0627\u0644\u0628\u0648\u0631\u0635\u0629 \u0627\u0644\u0645\u0635\u0631\u064a\u0629 \u0628\u0639\u062f \u0625\u062f\u0631\u0627\u062c\u0647\u0627 \u0627\u0644\u0645\u0628\u0627\u0634\u0631.<br>\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0641\u0625\u0646 \u0627\u0644\u0625\u062f\u0631\u0627\u062c \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0648\u062d\u062f\u0647 \u0644\u0627 \u064a\u062c\u0639\u0644 \u0627\u0644\u0633\u0647\u0645 \u0642\u0627\u0628\u0644\u0627\u064b \u0644\u0644\u062a\u062f\u0627\u0648\u0644\u060c \u0648\u0647\u0630\u0627 \u0647\u0648 \u0627\u0644\u0633\u0628\u0628 \u0623\u0646 <strong>\u0645\u062c\u0645\u0648\u0639\u0629 \u0625\u064a \u0625\u0641 \u062c\u064a \u0627\u0644\u0642\u0627\u0628\u0636\u0629 [HRHO] <\/strong>\u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0623\u0645 \u0644\u0641\u0627\u0644\u064a\u0648 \u0648\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0627\u0644\u0631\u0627\u0626\u062f \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629\u060c \u0642\u0631\u0631\u062a \u062a\u0648\u0632\u064a\u0639 \u062c\u0632\u0621 \u0645\u0646 \u0623\u0631\u0628\u0627\u062d\u0647\u0627 \u0639\u0644\u0649 \u0645\u0633\u0627\u0647\u0645\u064a\u0647\u0627 \u0643\u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0639\u064a\u0646\u064a\u0629 \u0643\u062c\u0632\u0621 \u0645\u0646 \u0623\u0633\u0647\u0645 \u0641\u0627\u0644\u064a\u0648 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0646\u0642\u062f\u064a. \u0648\u064a\u0645\u062b\u0644 \u0647\u0630\u0627 \u0645\u062d\u0637\u0629 \u0647\u0627\u0645\u0629 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0645\u0635\u0631\u064a\u0629\u060c \u0648\u064a\u0641\u062a\u062d \u0627\u0644\u0628\u0627\u0628 \u0623\u0645\u0627\u0645 \u0634\u0631\u0643\u0627\u062a \u0623\u062e\u0631\u0649 \u0645\u062f\u0631\u062c\u0629 \u0641\u064a \u0627\u0644\u0628\u0648\u0631\u0635\u0629 \u0627\u0644\u0645\u0635\u0631\u064a\u0629 \u0644\u0627\u062a\u0628\u0627\u0639 \u0646\u0641\u0633 \u0627\u0644\u0646\u0647\u062c\u060c \u0645\u0645\u0627 \u0633\u064a\u062e\u0644\u0642 \u0633\u064a\u0648\u0644\u0629 \u062a\u062f\u0627\u0648\u0644 \u0641\u0648\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u062f\u0631\u062c\u0629 \u062d\u062f\u064a\u062b\u0627\u064b.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong><em>\u0648\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644:<\/em><\/strong><br><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0641\u064a \u0627\u062c\u062a\u0645\u0627\u0639 \u0627\u0644\u062c\u0645\u0639\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u0646\u0639\u0642\u062f \u0628\u062a\u0627\u0631\u064a\u062e 24 \u0645\u0627\u064a\u0648 2025\u060c \u0648\u0627\u0641\u0642 \u0645\u0633\u0627\u0647\u0645\u0648 HRHO \u0639\u0644\u0649 \u062a\u0648\u0632\u064a\u0639 \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0645\u062d\u062a\u062c\u0632\u0629 \u0644\u0644\u0634\u0631\u0643\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2024 \u0628\u0645\u0628\u0644\u063a 335,322,346 \u062c\u0646\u064a\u0647 \u0628\u0648\u0627\u0642\u0639 0.2335 \u062c\u0646\u064a\u0647 \u0644\u0643\u0644 \u0633\u0647\u0645 \u0645\u0646 \u0623\u0633\u0647\u0645 HRHO.<\/li>\n\n\n\n<li>\u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u062a\u0648\u0632\u064a\u0639 \u0623\u0631\u0628\u0627\u062d \u0646\u0642\u062f\u064a\u0629\u060c \u0633\u064a\u062a\u0645 \u062a\u0648\u0632\u064a\u0639 \u0645\u0627 \u0647\u0648 \u0625\u062c\u0645\u0627\u0644\u064a <strong>431,546,918 \u0633\u0647\u0645\u064b\u0627 \u0645\u0646 \u0623\u0633\u0647\u0645 VALU<\/strong> (\u064a\u0645\u062b\u0644 <strong>20.488% \u0645\u0646 \u0641\u0627\u0644\u064a\u0648<\/strong>) \u0639\u0644\u0649 \u0645\u0633\u0627\u0647\u0645\u064a HRHO.<\/li>\n\n\n\n<li>\u0633\u064a\u062a\u0645 \u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062f\u0641\u062a\u0631\u064a\u0629 \u0644\u0634\u0631\u0643\u0629 \u0641\u0627\u0644\u064a\u0648 \u0627\u0644\u0628\u0627\u0644\u063a\u0629 <strong>0.777 \u062c\u0646\u064a\u0647 \/ \u0633\u0647\u0645 VALU <\/strong>\u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2024.\n<ul class=\"wp-block-list\">\n<li>\u064a\u0623\u062a\u064a \u0630\u0644\u0643 \u0641\u064a \u0623\u0639\u0642\u0627\u0628 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u062c\u0645\u0639\u064a\u0627\u062a \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0644\u0634\u0631\u0643\u0629 \u0641\u0627\u0644\u064a\u0648 \u0627\u0644\u0645\u0646\u0639\u0642\u062f\u0629 \u0641\u064a 16 \u0641\u0628\u0631\u0627\u064a\u0631 2025 \u064818 \u0645\u0627\u064a\u0648 2025 \u0628\u062a\u0642\u0633\u064a\u0645 \u0627\u0644\u0633\u0647\u0645 \u0648\u0632\u064a\u0627\u062f\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u064f\u0635\u062f\u0631 \u0625\u0644\u0649 <strong>2,106,356,523 \u0633\u0647\u0645\u0627\u064b <\/strong>\u0628\u0642\u064a\u0645\u0629 \u0627\u0633\u0645\u064a\u0629 0.10 \u062c\u0646\u064a\u0647 \u0644\u0644\u0633\u0647\u0645 \u0627\u0644\u0648\u0627\u062d\u062f.<\/li>\n\n\n\n<li><strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u062d\u0642 \u0641\u064a <\/strong>\u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0639\u064a\u0646\u064a: <strong>12 \u064a\u0648\u0646\u064a\u0648 2025<\/strong>.<\/li>\n\n\n\n<li><strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0623\u0631\u0628\u0627\u062d <\/strong>\u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0639\u064a\u0646\u064a: <strong>15 \u064a\u0648\u0646\u064a\u0648 2025<\/strong>.<\/li>\n\n\n\n<li>\u064a\u062a\u0645 \u0627\u0644\u062a\u062e\u0635\u064a\u0635 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:\n<ul class=\"wp-block-list\">\n<li><strong>3.3273 \u0633\u0647\u0645 HRHO \u0644\u0643\u0644 \u0633\u0647\u0645 VALU<\/strong>\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u064a\u0636\u0627\u064b<\/li>\n\n\n\n<li><strong>0.3005 \u0633\u0647\u0645 VALU \u0644\u0643\u0644 \u0633\u0647\u0645 HRHO<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0628\u062f\u0623 \u0627\u0644\u062a\u062f\u0627\u0648\u0644 \u0639\u0644\u0649 \u0633\u0647\u0645 VALU \u062e\u0644\u0627\u0644 <strong>\u0627\u0644\u0623\u0633\u0628\u0648\u0639 \u0627\u0644\u0630\u064a \u064a\u0628\u062f\u0623 \u0641\u064a 22 \u064a\u0648\u0646\u064a\u0648 2025<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u0645\u0627\u0630\u0627 \u064a\u0639\u0646\u064a \u0647\u0630\u0627 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0645\u0633\u0627\u0647\u0645\u064a HRHO\u061f<\/h4>\n\n\n\n<p>\u0628\u0625\u062a\u0645\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0635\u0641\u0642\u0629\u060c \u0633\u064a\u0645\u062a\u0644\u0643 \u0643\u0644 \u0645\u0633\u0627\u0647\u0645 \u0641\u064a HRHO \u062d\u0635\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0641\u064a VALU. \u0633\u064a\u0624\u062f\u064a \u0647\u0630\u0627 \u0639\u0645\u0644\u064ahW \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0644\u0640 HRHO\u060c \u0631\u0627\u0628\u0639 \u0623\u0643\u0628\u0631 \u0645\u064f\u0643\u0648\u0651\u0646 \u0641\u064a \u0645\u0624\u0634\u0631 EGX 30.<\/p>\n\n\n\n<p>\u0628\u0639\u0628\u0627\u0631\u0629 \u0623\u062e\u0631\u0649\u060c \u0641\u0643\u0631 \u0641\u064a \u0627\u0644\u0623\u0645\u0631 \u0639\u0644\u0649 \u0623\u0646\u0647 \u0627\u0642\u062a\u0637\u0627\u0639 20.5% \u0645\u0646 VALU \u0645\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0644\u0634\u0631\u0643\u0629 HRHO\u060c \u0645\u0639 \u0627\u062d\u062a\u0641\u0627\u0638 HRHO \u0645\u0646 \u062e\u0644\u0627\u0644 \u0643\u064a\u0627\u0646\u0647\u0627 \u0627\u0644\u0645\u0645\u0644\u0648\u0643 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 <strong>\u0625\u064a \u0625\u0641 \u062c\u064a \u0641\u0627\u064a\u0646\u0627\u0646\u0633 \u0627\u0644\u0642\u0627\u0628\u0636\u0629 <\/strong>\u0628\u0640 67% \u0645\u0646 VALU \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644.<\/p>\n\n\n\n<p>\u0648\u0628\u062d\u0633\u0628 \u062d\u0633\u0627\u0628\u0627\u062a\u0646\u0627\u060c \u0641\u0625\u0646\u0646\u0627 \u0646\u0642\u062f\u0631 \u0623\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0623\u0633\u0647\u0645 \u062d\u0631\u0629 \u0627\u0644\u062a\u062f\u0627\u0648\u0644 \u0641\u064a VALU \u0633\u062a\u0635\u0644 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641 \u0625\u0644\u0649 12%.<br>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0647\u0648<strong>\u0647\u064a\u0643\u0644 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646 \u0641\u064a VALU \u0642\u0628\u0644 \u0648\u0628\u0639\u062f \u0627\u0644\u0635\u0641\u0642\u0629<\/strong>\u060c \u062d\u0633\u0628 \u062a\u0642\u062f\u064a\u0631\u0627\u062a\u0646\u0627.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1017\" height=\"591\" src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/01-Ar.png\" alt=\"\" class=\"wp-image-14563\" style=\"width:715px;height:auto\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/01-Ar.png 1017w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/01-Ar-300x174.png 300w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/01-Ar-768x446.png 768w\" sizes=\"(max-width: 1017px) 100vw, 1017px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: <\/strong>\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0634\u0631\u0643\u0629\u060c \u0628\u062d\u0648\u062b \u0631\u0627\u0645\u0628\u0644<br><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"has-small-font-size\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0641\u064a \u0645\u0635\u0631<\/h2>\n\n\n\n<p>\u0627\u0631\u062a\u0641\u0639 \u062d\u062c\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0645\u0635\u0631 \u0628\u0646\u0633\u0628\u0629 2% \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0633\u0646\u0648\u064a \u0641\u064a \u0639\u0627\u0645 2024 \u0644\u064a\u0635\u0644 \u0625\u0644\u0649 911.5 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u064a\u0634\u0647\u062f \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0646\u0645\u0648\u0627\u064b \u0645\u0637\u0631\u062f\u0627\u064b \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629. \u0641\u064a \u0639\u0627\u0645 2024\u060c \u0633\u062c\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0646\u0645\u0648\u0627\u064b \u0633\u0646\u0648\u064a\u0627\u064b \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0646\u0633\u0628\u0629 29.6%. \u0643\u0645\u0627 \u0627\u0631\u062a\u0641\u0639\u062a \u062d\u0635\u062a\u0647 \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0633\u0648\u0642 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0645\u0646 5.3% \u0641\u064a \u0639\u0627\u0645 2023 \u0625\u0644\u0649 6.7% \u0641\u064a \u0639\u0627\u0645 2024.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629<\/strong>(\u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647)<\/td><td><strong>2023<\/strong><\/td><td><strong>2024<\/strong><\/td><td><strong>\u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0633\u0646\u0648\u064a<\/strong><\/td><\/tr><tr><td>\u0633\u0648\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644<\/td><td>601.7<\/td><td>535.5<\/td><td>-11.0%<\/td><\/tr><tr><td>\u0627\u0644\u062a\u0623\u062c\u064a\u0631 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u064a<\/td><td>117.5<\/td><td>118.9<\/td><td>1.2%<\/td><\/tr><tr><td>\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631 \u0648\u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629<\/td><td>72.6<\/td><td>95.8<\/td><td>32.0%<\/td><\/tr><tr><td>\u0627\u0644\u062a\u062e\u0635\u064a\u0645<\/td><td>44<\/td><td>74.6<\/td><td>69.5%<\/td><\/tr><tr><td><strong>\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a<\/strong><\/td><td><strong>47.3<\/strong><\/td><td><strong>61.3<\/strong><\/td><td><strong>29.6%<\/strong><\/td><\/tr><tr><td>\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a<\/td><td>10.4<\/td><td>25.5<\/td><td>145.2%<\/td><\/tr><tr><td><strong>\u0627\u0644\u0645\u062c\u0645\u0648\u0639<\/strong><\/td><td><strong>893.5<\/strong><\/td><td><strong>911.5<\/strong><\/td><td><strong>2.0%<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: <\/strong>\u062d\u0635\u0627\u062f \u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 2024<\/figcaption><\/figure>\n\n\n\n<p class=\"has-small-font-size\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"600\" height=\"371\" src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/03-\u0646\u0633\u0628\u0629-\u0645\u0633\u0627\u0647\u0645\u0629-\u0643\u0644-\u0642\u0637\u0627\u0639-\u0645\u0646-\u0627\u0644\u0623\u0646\u0634\u0637\u0629-\u0627\u0644\u0645\u0627\u0644\u064a\u0629-\u063a\u064a\u0631-\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629-2023-2024.png\" alt=\"\" class=\"wp-image-14565\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/03-\u0646\u0633\u0628\u0629-\u0645\u0633\u0627\u0647\u0645\u0629-\u0643\u0644-\u0642\u0637\u0627\u0639-\u0645\u0646-\u0627\u0644\u0623\u0646\u0634\u0637\u0629-\u0627\u0644\u0645\u0627\u0644\u064a\u0629-\u063a\u064a\u0631-\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629-2023-2024.png 600w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/03-\u0646\u0633\u0628\u0629-\u0645\u0633\u0627\u0647\u0645\u0629-\u0643\u0644-\u0642\u0637\u0627\u0639-\u0645\u0646-\u0627\u0644\u0623\u0646\u0634\u0637\u0629-\u0627\u0644\u0645\u0627\u0644\u064a\u0629-\u063a\u064a\u0631-\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629-2023-2024-300x186.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: <\/strong>\u062d\u0635\u0627\u062f \u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 2024<br><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"has-small-font-size\"><\/p>\n\n\n\n<p>\u0627\u0631\u062a\u0641\u0639 \u0639\u062f\u062f \u0639\u0645\u0644\u0627\u0621 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0641\u064a \u0645\u0635\u0631 \u0628\u0646\u062d\u0648 \u0633\u062a\u0629 \u0639\u0634\u0631 \u0636\u0639\u0641\u064b\u0627 \u0628\u064a\u0646 \u0639\u0627\u0645\u064a 2020 \u06482024\u060c \u062d\u064a\u062b \u0627\u0631\u062a\u0641\u0639 \u0639\u062f\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 250 \u0623\u0644\u0641 \u0639\u0645\u064a\u0644 \u0625\u0644\u0649 \u0623\u0643\u062b\u0631 \u0645\u0646 4 \u0645\u0644\u064a\u0648\u0646 \u0639\u0645\u064a\u0644. \u0648\u064a\u0639\u0632\u0649 \u0647\u0630\u0627 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0633\u0631\u064a\u0639 \u0625\u0644\u0649 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0641\u064a \u0638\u0644 \u062a\u0646\u0627\u0645\u064a \u0627\u0644\u0648\u0639\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0641\u064a \u0638\u0644 \u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u062a\u0636\u062e\u0645 \u0627\u0644\u0630\u064a \u0623\u062b\u0631 \u0633\u0644\u0628\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u0634\u0631\u0627\u0626\u064a\u0629 \u0644\u0644\u0645\u0635\u0631\u064a\u064a\u0646. \u0648\u0646\u062a\u064a\u062c\u0629\u064b \u0644\u0630\u0644\u0643\u060c \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u062d\u0633\u0627\u0628\u0627\u062a\u0646\u0627\u060c \u0627\u0631\u062a\u0641\u0639 \u0645\u0639\u062f\u0644 \u0627\u062e\u062a\u0631\u0627\u0642 \u0627\u0644\u0633\u0648\u0642 &#8211; \u0627\u0644\u0630\u064a \u064a\u064f\u0642\u0627\u0633 \u0628\u0639\u062f\u062f \u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0646\u0633\u0628\u0629\u064b \u0625\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0633\u0643\u0627\u0646 &#8211; \u0628\u0634\u0643\u0644 \u0645\u0644\u062d\u0648\u0638 \u0645\u0646 0.3% \u0641\u064a \u0639\u0627\u0645 2020 \u0625\u0644\u0649 3.9% \u0641\u064a \u0639\u0627\u0645 2024.<br><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"600\" height=\"371\" src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/04-\u0645\u0639\u062f\u0644-\u0627\u062e\u062a\u0631\u0627\u0642-\u0633\u0648\u0642-\u0627\u0644\u062a\u0645\u0648\u064a\u0644-\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a.png\" alt=\"\" class=\"wp-image-14566\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/04-\u0645\u0639\u062f\u0644-\u0627\u062e\u062a\u0631\u0627\u0642-\u0633\u0648\u0642-\u0627\u0644\u062a\u0645\u0648\u064a\u0644-\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a.png 600w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/04-\u0645\u0639\u062f\u0644-\u0627\u062e\u062a\u0631\u0627\u0642-\u0633\u0648\u0642-\u0627\u0644\u062a\u0645\u0648\u064a\u0644-\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a-300x186.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631:<\/strong> \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0644\u0644\u062a\u0639\u0628\u0626\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0648\u0627\u0644\u0625\u062d\u0635\u0627\u0621\u060c \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0633\u0646\u0648\u064a \u0644\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0628\u062d\u0648\u062b \u0631\u0627\u0645\u0628\u0644<br><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"has-small-font-size\"><\/p>\n\n\n\n<p>\u064a\u0648\u062c\u062f \u062d\u0627\u0644\u064a\u064b\u0627 45 \u0634\u0631\u0643\u0629 \u0645\u0631\u062e\u0635\u0629 \u0644\u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0641\u064a \u0645\u0635\u0631. \u0648\u0648\u0641\u0642\u0627\u064b \u0644\u0623\u062d\u062f\u062b \u062a\u0642\u0631\u064a\u0631 \u0634\u0647\u0631\u064a \u0635\u0627\u062f\u0631 \u0639\u0646 \u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u064a\u0633\u0639\u0649 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u0648\u0646 \u0628\u0634\u0643\u0644 \u0631\u0626\u064a\u0633\u064a \u0625\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u062b\u0644\u0627\u062b \u0641\u0626\u0627\u062a \u0631\u0626\u064a\u0633\u064a\u0629: \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0648\u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0627\u062a\u060c \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u0646\u0632\u0644\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u064f\u0645\u062b\u0644 \u0645\u062c\u062a\u0645\u0639\u0629\u064b \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 \u0646\u0635\u0641 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a.<br><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"371\" src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/05-\u062a\u0635\u0646\u064a\u0641-\u0627\u0644\u062a\u0645\u0648\u064a\u0644-\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a-\u0648\u0641\u0642\u0627\u064b-\u0644\u0646\u0648\u0639-\u0627\u0644\u0633\u0644\u0639-\u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a-\u0627\u0644\u0631\u0628\u0639-\u0627\u0644\u0623\u0648\u0644-2025.png\" alt=\"\" class=\"wp-image-14567\" style=\"width:600px;height:auto\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/05-\u062a\u0635\u0646\u064a\u0641-\u0627\u0644\u062a\u0645\u0648\u064a\u0644-\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a-\u0648\u0641\u0642\u0627\u064b-\u0644\u0646\u0648\u0639-\u0627\u0644\u0633\u0644\u0639-\u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a-\u0627\u0644\u0631\u0628\u0639-\u0627\u0644\u0623\u0648\u0644-2025.png 600w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/05-\u062a\u0635\u0646\u064a\u0641-\u0627\u0644\u062a\u0645\u0648\u064a\u0644-\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a-\u0648\u0641\u0642\u0627\u064b-\u0644\u0646\u0648\u0639-\u0627\u0644\u0633\u0644\u0639-\u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a-\u0627\u0644\u0631\u0628\u0639-\u0627\u0644\u0623\u0648\u0644-2025-300x186.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631:<\/strong> \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0634\u0647\u0631\u064a \u0644\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 &#8211; \u0645\u0627\u0631\u0633 2025<br><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"has-small-font-size\"><\/p>\n\n\n\n<p>\u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2025\u060c \u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0646\u0645\u0648\u0627\u064b \u0645\u0644\u062d\u0648\u0638\u0627\u064b\u060c \u062d\u064a\u062b \u0627\u0631\u062a\u0641\u0639 \u0639\u062f\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0646\u0633\u0628\u0629 188% \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0633\u0646\u0648\u064a \u0644\u064a\u0635\u0644 \u0625\u0644\u0649 2.3 \u0645\u0644\u064a\u0648\u0646 \u0639\u0645\u064a\u0644 (\u0631\u0642\u0645 \u0631\u0628\u0639 \u0633\u0646\u0648\u064a). \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647\u060c \u0627\u0631\u062a\u0641\u0639\u062a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0646\u062d\u0648 45%\u060c \u0644\u062a\u0635\u0644 \u0625\u0644\u0649 17.5 \u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647\u060c \u0639\u0644\u0645\u064b\u0627 \u0628\u0623\u0646 \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 2025 \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u0623\u0642\u0644 \u0628\u064a\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0631\u0628\u0627\u0639.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a<\/strong><\/td><td><strong>\u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 2024<\/strong><\/td><td><strong>\u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 2025<\/strong><\/td><td><strong>\u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0633\u0646\u0648\u064a<\/strong><\/td><\/tr><tr><td>\u0639\u062f\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (\u0645\u0644\u064a\u0648\u0646)<\/td><td>0.8<\/td><td>2.3<\/td><td>188%<\/td><\/tr><tr><td>\u0625\u062c\u0645\u0627\u0644\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 (\u0645\u0644\u064a\u0627\u0631 \u062c\u0646\u064a\u0647)<\/td><td>12.1<\/td><td>17.5<\/td><td>45%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631:<\/strong> \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0634\u0647\u0631\u064a \u0644\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 &#8211; \u0645\u0627\u0631\u0633 2025<\/figcaption><\/figure>\n\n\n\n<p class=\"has-small-font-size\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0643\u064a\u0641 \u062a\u062d\u0642\u0642 \u0641\u0627\u0644\u064a\u0648 \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u00a0\u061f<\/h2>\n\n\n\n<p>\u0628\u0635\u0641\u062a\u0647\u0627 \u0634\u0631\u0643\u0629\u064b \u062a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u060c \u062a\u064f\u062d\u0642\u0650\u0651\u0642 \u0641\u0627\u0644\u064a\u0648 \u0623\u0631\u0628\u0627\u062d\u0647\u0627 \u0628\u0634\u0643\u0644\u064d \u0631\u0626\u064a\u0633\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a. \u0648\u062a\u0634\u0645\u0644 \u0645\u0635\u0627\u062f\u0631 \u062f\u062e\u0644\u0647\u0627 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0645\u0646 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0645\u0643\u0627\u0633\u0628 \u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u062a\u0648\u0631\u064a\u0642\u2014\u0633\u0648\u0627\u0621\u064b \u0639\u0644\u0649 \u0634\u0643\u0644 \u0623\u0631\u0628\u0627\u062d\u064d \u0645\u064f\u0642\u062f\u064e\u0651\u0645\u0629 \u0623\u0648 \u0641\u0648\u0627\u0626\u0636\u064d \u0645\u062a\u0628\u0642\u064a\u0629.<\/p>\n\n\n\n<p>\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u062a\u0633\u062a\u0641\u064a\u062f \u0641\u0627\u0644\u064a\u0648 \u0645\u0646 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0643\u062a\u0633\u0628\u0629 \u0648\u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a 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src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/06-\u062e\u0644\u064a\u0637-\u0623\u0631\u0628\u0627\u062d-\u0641\u0627\u0644\u064a\u0648-\u0644\u0639\u0627\u0645-2024-3.06-\u0645\u0644\u064a\u0627\u0631-\u062c\u0646\u064a\u0647.png\" alt=\"\" class=\"wp-image-14568\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/06-\u062e\u0644\u064a\u0637-\u0623\u0631\u0628\u0627\u062d-\u0641\u0627\u0644\u064a\u0648-\u0644\u0639\u0627\u0645-2024-3.06-\u0645\u0644\u064a\u0627\u0631-\u062c\u0646\u064a\u0647.png 546w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/06-\u062e\u0644\u064a\u0637-\u0623\u0631\u0628\u0627\u062d-\u0641\u0627\u0644\u064a\u0648-\u0644\u0639\u0627\u0645-2024-3.06-\u0645\u0644\u064a\u0627\u0631-\u062c\u0646\u064a\u0647-300x204.png 300w\" sizes=\"(max-width: 546px) 100vw, 546px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0645\u0644\u062d\u0648\u0638\u0629:<\/strong> \u062a\u0634\u0645\u0644 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u064a\u0631\u060c \u0648\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0643\u0631\u060c \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629 \u0645\u0633\u0628\u0642\u0627\u064b.<br><strong>\u0627\u0644\u0645\u0635\u062f\u0631:<\/strong> \u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0634\u0631\u0643\u0629<br><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"has-small-font-size\"><\/p>\n\n\n\n<p>\u0623\u062f\u062a \u0637\u0628\u064a\u0639\u0629 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 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https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/07-\u0639\u062f\u062f-\u0645\u0639\u0627\u0645\u0644\u0627\u062a-\u0641\u0627\u0644\u064a\u0648-\u0628\u0627\u0644\u0623\u0644\u0641-300x186.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: <\/strong>\u0639\u0631\u0636 \u062a\u0642\u062f\u064a\u0645\u064a \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0645\u0646 \u0641\u0627\u0644\u064a\u0648<br><\/figcaption><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"371\" src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/08-\u0625\u062c\u0645\u0627\u0644\u064a-\u0642\u064a\u0645\u0629-\u0627\u0644\u0628\u0636\u0627\u0626\u0639-\u0648\u0625\u0635\u062f\u0627\u0631\u0627\u062a-\u0627\u0644\u0642\u0631\u0648\u0636-\u0644\u0641\u0627\u0644\u064a\u0648-\u0645\u0644\u064a\u0627\u0631-\u062c\u0646\u064a\u0647.png\" alt=\"\" class=\"wp-image-14570\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/08-\u0625\u062c\u0645\u0627\u0644\u064a-\u0642\u064a\u0645\u0629-\u0627\u0644\u0628\u0636\u0627\u0626\u0639-\u0648\u0625\u0635\u062f\u0627\u0631\u0627\u062a-\u0627\u0644\u0642\u0631\u0648\u0636-\u0644\u0641\u0627\u0644\u064a\u0648-\u0645\u0644\u064a\u0627\u0631-\u062c\u0646\u064a\u0647.png 600w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/08-\u0625\u062c\u0645\u0627\u0644\u064a-\u0642\u064a\u0645\u0629-\u0627\u0644\u0628\u0636\u0627\u0626\u0639-\u0648\u0625\u0635\u062f\u0627\u0631\u0627\u062a-\u0627\u0644\u0642\u0631\u0648\u0636-\u0644\u0641\u0627\u0644\u064a\u0648-\u0645\u0644\u064a\u0627\u0631-\u062c\u0646\u064a\u0647-300x186.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: <\/strong>\u0639\u0631\u0636 \u062a\u0642\u062f\u064a\u0645\u064a \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0645\u0646 \u0641\u0627\u0644\u064a\u0648<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"has-small-font-size\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0627\u062a<\/h2>\n\n\n\n<p><strong>\u0641\u0627\u0644\u064a\u0648 \u0647\u064a \u0634\u0631\u0643\u0629 \u0631\u0627\u0626\u062f\u0629 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sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: <\/strong>\u0639\u0631\u0636 \u062a\u0642\u062f\u064a\u0645\u064a \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0645\u0646 \u0641\u0627\u0644\u064a\u0648\u060c \u0628\u062d\u0648\u062b \u0631\u0627\u0645\u0628\u0644<br><\/figcaption><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"371\" src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/10-2020-2024-\u0645\u0639\u062f\u0644-\u0627\u0644\u0646\u0645\u0648-\u0627\u0644\u0633\u0646\u0648\u064a-\u0627\u0644\u0645\u0631\u0643\u0628.png\" alt=\"\" class=\"wp-image-14572\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/10-2020-2024-\u0645\u0639\u062f\u0644-\u0627\u0644\u0646\u0645\u0648-\u0627\u0644\u0633\u0646\u0648\u064a-\u0627\u0644\u0645\u0631\u0643\u0628.png 600w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/10-2020-2024-\u0645\u0639\u062f\u0644-\u0627\u0644\u0646\u0645\u0648-\u0627\u0644\u0633\u0646\u0648\u064a-\u0627\u0644\u0645\u0631\u0643\u0628-300x186.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: <\/strong>\u0639\u0631\u0636 \u062a\u0642\u062f\u064a\u0645\u064a \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0645\u0646 \u0641\u0627\u0644\u064a\u0648\u060c \u0628\u062d\u0648\u062b \u0631\u0627\u0645\u0628\u0644<br><\/figcaption><\/figure>\n<\/div>\n\n\n<p><strong>\u0623\u062f\u0649 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0645\u062a\u0646\u0648\u0639 \u0644\u0634\u0631\u0643\u0629 \u0641\u0627\u0644\u064a\u0648 \u0625\u0644\u0649 \u0646\u0645\u0648 \u0647\u0627\u0626\u0644 \u0641\u064a \u062d\u0635\u062a\u0647\u0627 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0646\u0643\u0645\u0634<\/strong><\/p>\n\n\n\n<p>\u062f\u062e\u0644\u062a \u0641\u0627\u0644\u064a\u0648 \u0623\u0633\u0648\u0627\u0642\u0627\u064b \u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a\u060c \u0645\u0633\u062a\u062d\u0648\u0630\u0629\u064b \u0639\u0644\u0649 \u062d\u0635\u0629 \u0633\u0648\u0642\u064a\u0629 \u0643\u0628\u064a\u0631\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u062a\u0645\u0648\u064a\u0644 \u0648\u062f\u0641\u0639 \u0633\u0647\u0644\u0629 \u0648\u0645\u0644\u0627\u0626\u0645\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643. \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2025\u060c \u0627\u0633\u062a\u062d\u0648\u0630\u062a VALU \u0639\u0644\u0649 \u062d\u0635\u0629 \u0633\u0648\u0642\u064a\u0629 \u0628\u0644\u063a\u062a 37.5% \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0645\u0633\u0628\u0642\u0629 \u0627\u0644\u062f\u0641\u0639\u060c \u064815.2% \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a (\u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0640 2.4% \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2024).<\/p>\n\n\n\n<p><strong>\u0627\u0646\u0639\u0643\u0633 \u0646\u0645\u0648 \u0641\u0627\u0644\u064a\u0648 \u0641\u064a \u0646\u0633\u0628 \u0627\u0644\u0631\u0628\u062d\u064a\u0629\u060c \u0648\u062e\u0627\u0635\u0629 \u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629<\/strong><\/p>\n\n\n\n<p>\u0633\u0627\u0647\u0645 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0641\u064a \u0645\u0624\u0634\u0631\u0627\u062a \u0641\u0627\u0644\u064a\u0648\u060c \u0645\u062b\u0644 \u062d\u062c\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u0648\u0625\u062c\u0645\u0627\u0644\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 (GMV)\u060c \u0648\u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u0648\u0639\u062f\u062f \u0627\u0644\u062a\u062c\u0627\u0631\u060c \u0641\u064a \u0632\u064a\u0627\u062f\u0629 \u0639\u0627\u0626\u062f \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0644\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0630\u064a \u0646\u0645\u0627 \u0628\u0623\u0643\u062b\u0631 \u0645\u0646 \u062e\u0645\u0633\u0629 \u0623\u0636\u0639\u0627\u0641\u060c \u0645\u0646 5% \u0641\u064a 2020 \u0625\u0644\u0649 25.8% \u0641\u064a 2024.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"371\" src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/11-\u0627\u0644\u0639\u0627\u0626\u062f-\u0639\u0644\u0649-\u062d\u0642\u0648\u0642-\u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646-\u0644\u0641\u0627\u0644\u064a\u0648.png\" alt=\"\" class=\"wp-image-14573\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/11-\u0627\u0644\u0639\u0627\u0626\u062f-\u0639\u0644\u0649-\u062d\u0642\u0648\u0642-\u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646-\u0644\u0641\u0627\u0644\u064a\u0648.png 600w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/11-\u0627\u0644\u0639\u0627\u0626\u062f-\u0639\u0644\u0649-\u062d\u0642\u0648\u0642-\u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646-\u0644\u0641\u0627\u0644\u064a\u0648-300x186.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631:<\/strong> \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u062d\u062a\u0649 2022 \u0645\u0623\u062e\u0648\u0630\u0629 \u0645\u0646 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0645\u062c\u0645\u0648\u0639\u0629 \u0625\u064a \u0625\u0641 \u062c\u064a \u0627\u0644\u0642\u0627\u0628\u0636\u0629. \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u0623\u062e\u0631\u0649 \u0645\u0623\u062e\u0648\u0630\u0629 \u0645\u0646 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0634\u0631\u0643\u0629 \u0641\u0627\u0644\u064a\u0648.<br><\/figcaption><\/figure>\n<\/div>\n\n\n<p><strong>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f\u060c \u0645\u0639 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0645\u0644\u0641 \u0645\u062e\u0627\u0637\u0631 \u0642\u0648\u064a<\/strong><\/p>\n\n\n\n<p>\u062a\u0633\u062a\u0637\u064a\u0639 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062a\u062d\u0644\u064a\u0644 \u0643\u0645\u064a\u0627\u062a \u0647\u0627\u0626\u0644\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0645\u0645\u0627 \u064a\u064f\u062d\u0633\u0651\u0646 \u062a\u0642\u064a\u064a\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u064a\u0643\u0634\u0641 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644. \u064a\u0633\u0627\u0639\u062f \u0647\u0630\u0627 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0627\u0633\u062a\u0628\u0627\u0642\u064a \u0634\u0631\u0643\u0629 \u0641\u0627\u0644\u064a\u0648 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0648\u0627\u0644\u062d\u062f \u0645\u0646\u0647\u0627\u060c \u0645\u0645\u0627 \u064a\u064f\u0642\u0644\u0644 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f\u060c \u0648\u064a\u064f\u062d\u0633\u0651\u0646 \u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645.<\/p>\n\n\n\n<p>\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0646\u0645\u0648\u0647\u0627 \u0639\u0644\u0649 \u062c\u0628\u0647\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629\u060c \u062a\u062a\u0645\u062a\u0639 \u0642\u0627\u0644\u064a\u0648 \u0628\u0633\u062c\u0644 \u0645\u062e\u0627\u0637\u0631 \u0642\u0648\u064a\u060c \u0625\u0630 \u062a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0646\u0633\u0628\u0629 \u0642\u0631\u0648\u0636\u0647\u0627 \u0627\u0644\u0645\u062a\u0639\u062b\u0631\u0629 (NPL) \u0627\u0644\u062a\u064a \u062a\u0632\u064a\u062f \u0639\u0646 90% \u062f\u0648\u0646 1%. \u0643\u0645\u0627 \u064a\u0628\u0644\u063a \u0645\u0639\u062f\u0644 \u0627\u0644\u062f\u064a\u0646 \u0625\u0644\u0649 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 4.7 \u0645\u0631\u0629 (\u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0628\u0627\u0644\u063a 9 \u0645\u0631\u0627\u062a \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0645\u0635\u0631\u064a\u0629).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"371\" src=\"https:\/\/thndr.horizondm.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/06\/12-\u0627\u0644\u062f\u064a\u0648\u0646-\u063a\u064a\u0631-\u0627\u0644\u0645\u0646\u062a\u0638\u0645\u0629-\u0644\u0623\u0643\u062b\u0631-\u0645\u0646-90-\u064a\u0648\u0645-\u0644\u0641\u0627\u0644\u064a\u0648.png\" alt=\"\" class=\"wp-image-14574\" srcset=\"https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/12-\u0627\u0644\u062f\u064a\u0648\u0646-\u063a\u064a\u0631-\u0627\u0644\u0645\u0646\u062a\u0638\u0645\u0629-\u0644\u0623\u0643\u062b\u0631-\u0645\u0646-90-\u064a\u0648\u0645-\u0644\u0641\u0627\u0644\u064a\u0648.png 600w, https:\/\/thndr.horizondm.com\/blogpost\/wp-content\/uploads\/sites\/2\/2025\/06\/12-\u0627\u0644\u062f\u064a\u0648\u0646-\u063a\u064a\u0631-\u0627\u0644\u0645\u0646\u062a\u0638\u0645\u0629-\u0644\u0623\u0643\u062b\u0631-\u0645\u0646-90-\u064a\u0648\u0645-\u0644\u0641\u0627\u0644\u064a\u0648-300x186.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-element-caption\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: <\/strong>\u0639\u0631\u0636 \u062a\u0642\u062f\u064a\u0645\u064a \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0645\u0646 \u0641\u0627\u0644\u064a\u0648<\/figcaption><\/figure>\n<\/div>\n\n\n<p><strong>\u0643\u064a\u0627\u0646 \u0631\u0627\u0626\u062f \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639\u0631\u0648\u0641 \u0628\u0633\u0645\u0639\u062a\u0647 \u0627\u0644\u0637\u064a\u0628\u0629 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