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\u0623\u062d\u0645\u062f \u0631\u0633\u062a\u0645\u060c \u0648\u0632\u064a\u0631 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0648\u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629\u060c \u0641\u064a \u062a\u0635\u0631\u064a\u062d\u0627\u062a \u0635\u062d\u0641\u064a\u0629 \u0645\u0624\u062e\u0631\u064b\u0627\u060c \u0625\u0646 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0633\u062c\u0644 \u0628\u0634\u0643\u0644 \u0645\u0628\u062f\u0626\u064a 5% \u062e\u0644\u0627\u0644 \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u062b\u0627\u0644\u062b\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u06404.8% \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0646\u0641\u0633\u0647\u0627 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0633\u0627\u0628\u0642.<\/p>\n<p>\u0623\u0636\u0627\u0641 \u0631\u0633\u062a\u0645 \u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u0623\u062f\u0627\u0621 \u062c\u0627\u0621 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0644\u0623\u0632\u0645\u0629 \u0627\u0644\u0631\u0627\u0647\u0646\u0629 \u0648\u0627\u0644\u062a\u0648\u062a\u0631\u0627\u062a \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629\u060c \u0625\u0630 \u0643\u0627\u0646 \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u062a\u0631\u0627\u062c\u0639 \u0627\u0644\u0646\u0645\u0648 \u0625\u0644\u0649 4.6% \u0646\u062a\u064a\u062c\u0629 \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u062c\u064a\u0648\u0633\u064a\u0627\u0633\u064a\u0629 \u0639\u0644\u0649 \u0633\u0644\u0627\u0633\u0644 \u0627\u0644\u0625\u0645\u062f\u0627\u062f \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0646\u0641\u0637.<\/p>\n<h4><strong>\u0645\u0639\u062f\u0644 \u0627\u0644\u0646\u0645\u0648 \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u062b\u0627\u0644\u062b \u0645\u0646 2025\/ 2026 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a \u0631\u063a\u0645 \u0627\u0644\u062a\u0648\u062a\u0631\u0627\u062a \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629<\/strong><\/h4>\n<p>\u0648\u0623\u0634\u0627\u0631 \u0631\u0633\u062a\u0645 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u062b\u0627\u0644\u062b \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u0627\u0631\u064a \u0634\u0647\u062f \u0646\u0645\u0648\u064b\u0627 \u0645\u0644\u062d\u0648\u0638\u064b\u0627 \u0641\u064a \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u063a\u064a\u0631 \u0627\u0644\u0628\u062a\u0631\u0648\u0644\u064a\u0629\u060c \u062d\u064a\u062b \u0627\u0631\u062a\u0641\u0639 \u0645\u0639\u062f\u0644 \u0627\u0644\u0646\u0645\u0648 \u0641\u064a \u0642\u0646\u0627\u0629 \u0627\u0644\u0633\u0648\u064a\u0633 \u0628\u0646\u0633\u0628\u0629 23.6%\u060c \u0648\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0637\u0627\u0639\u0645 \u0648\u0627\u0644\u0641\u0646\u0627\u062f\u0642 \u0628\u0646\u0633\u0628\u0629 8.3%\u060c \u0641\u0636\u0644\u064b\u0627 \u0639\u0646 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0634\u064a\u064a\u062f \u0648\u0627\u0644\u0628\u0646\u0627\u0621 \u0627\u0644\u0630\u064a \u062d\u0642\u0642 \u0646\u0645\u0648\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 5.6%.<\/p>\n<p>\u0648\u0630\u0643\u0631 \u0623\u0646 \u0642\u0646\u0627\u0629 \u0627\u0644\u0633\u0648\u064a\u0633 \u0634\u0647\u062f\u062a \u062a\u0639\u0627\u0641\u064a\u0651\u064b\u0627 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\u0625\u0644\u0649 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u062a\u062d\u0642\u064a\u0642 \u0646\u0634\u0627\u0637 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u063a\u064a\u0631 \u0627\u0644\u0628\u062a\u0631\u0648\u0644\u064a\u0629 \u0646\u0645\u0648\u064b\u0627 \u0625\u064a\u062c\u0627\u0628\u064a\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 2.1%\u060c \u0645\u0648\u0636\u062d\u064b\u0627 \u0623\u0646 \u0627\u0644\u0631\u0642\u0645 \u0627\u0644\u0642\u064a\u0627\u0633\u064a \u0644\u0644\u0635\u0646\u0627\u0639\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u064a\u0629 \u0633\u062c\u0644 \u0627\u0631\u062a\u0641\u0627\u0639\u064b\u0627 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0635\u0646\u0627\u0639\u0627\u062a \u0627\u0644\u0641\u0631\u0639\u064a\u0629\u060c \u062d\u064a\u062b \u062d\u0642\u0642\u062a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0623\u062e\u0634\u0627\u0628 \u0646\u0645\u0648\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 60%\u060c \u0648\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0645\u062d\u0631\u0643\u0627\u062a \u0628\u0646\u0633\u0628\u0629 27%\u060c \u0628\u064a\u0646\u0645\u0627 \u0633\u062c\u0644\u062a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0643\u064a\u0645\u0627\u0648\u064a\u0629 \u0646\u0645\u0648\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 10%\u060c \u0648\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0645\u0633\u062a\u062d\u0636\u0631\u0627\u062a \u0627\u0644\u0635\u064a\u062f\u0644\u0627\u0646\u064a\u0629 8%\u060c \u0648\u0642\u0637\u0627\u0639\u0627 \u0627\u0644\u0648\u0631\u0642 \u0648\u0627\u0644\u0635\u0646\u0627\u0639\u0627\u062a \u0627\u0644\u063a\u0630\u0627\u0626\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 4%.<\/p>\n<p>\u0648\u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0634\u064a\u064a\u062f \u0648\u0627\u0644\u0628\u0646\u0627\u0621\u060c \u0644\u0641\u062a <a href=\"https:\/\/hapijournal.com\/2026\/05\/24\/%d9%88%d8%b2%d9%8a%d8%b1-%d8%a7%d9%84%d8%aa%d8%ae%d8%b7%d9%8a%d8%b7-%d9%8a%d8%a8%d8%af%d8%a3-%d8%b2%d9%8a%d8%a7%d8%b1%d8%a9-%d9%84%d9%85%d8%ad%d8%a7%d9%81%d8%b8%d8%a9-%d8%a7%d9%84%d9%85%d9%86%d9%88\/\">\u0631\u0633\u062a\u0645<\/a> \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0646\u0634\u0627\u0637 \u0633\u062c\u0644 \u0646\u0645\u0648\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 5.6% \u062e\u0644\u0627\u0644 \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u062b\u0627\u0644\u062b\u060c \u0628\u0639\u062f \u0623\u0646 \u0643\u0627\u0646 \u0642\u062f \u0633\u062c\u0644 \u0627\u0646\u0643\u0645\u0627\u0634\u064b\u0627 \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0633\u0627\u0628\u0642\u060c \u0645\u062f\u0639\u0648\u0645\u064b\u0627 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u062a\u0646\u0641\u064a\u0630 \u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0648\u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0639\u0645\u0631\u0627\u0646\u064a\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0627\u0631\u062a\u0641\u0627\u0639 \u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062f \u0648\u0627\u0644\u0623\u0633\u0645\u0646\u062a \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0641\u062a\u0631\u0629 \u0646\u0641\u0633\u0647\u0627 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0633\u0627\u0628\u0642.<\/p>\n<h4><strong>\u0641\u064a\u062a\u0634 \u062a\u062a\u0648\u0642\u0639 \u062a\u0628\u0627\u0637\u0624 \u0627\u0644\u0646\u0645\u0648 \u0625\u0644\u0649 4.4% \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644 \u0646\u062a\u064a\u062c\u0629 \u0636\u0639\u0641 \u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0645\u062d\u0644\u064a<\/strong><\/h4>\n<p>\u0648\u0623\u0634\u0627\u0631 \u0627\u0644\u0648\u0632\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 \u062a\u0648\u0642\u0639\u0627\u062a \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u062a\u0639\u0632\u0632 \u0627\u0644\u0646\u0638\u0631\u0629 \u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0629 \u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0634\u064a\u064a\u062f \u0648\u0627\u0644\u0628\u0646\u0627\u0621\u060c \u0625\u0630 \u062a\u062a\u0648\u0642\u0639 \u0648\u0643\u0627\u0644\u0629 \u201c<a href=\"https:\/\/translate.google.com\/translate?u=https:\/\/www.fitchratings.com\/&amp;hl=ar&amp;sl=en&amp;tl=ar&amp;client=srp\">\u0641\u064a\u062a\u0634<\/a>\u201d \u0627\u0631\u062a\u0641\u0627\u0639 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0627\u0644\u0642\u0637\u0627\u0639 \u0645\u0646 4.1% \u0641\u064a \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a 2024\/2025 \u0625\u0644\u0649 5.6% \u0641\u064a 2026\/2027\u060c \u062b\u0645 \u0625\u0644\u0649 6.6% \u0641\u064a 2027\/2028\u060c \u0645\u062f\u0641\u0648\u0639\u064b\u0627 \u0628\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0641\u064a \u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0637\u0627\u0642\u0629\u060c \u0648\u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0634\u0628\u0643\u0629 \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0626\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u0648\u0633\u0639 \u0641\u064a \u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062a\u062c\u062f\u062f\u0629\u060c \u0641\u0636\u0644\u064b\u0627 \u0639\u0646 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649 \u0641\u064a \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u062d\u0636\u0631\u064a\u0629.<\/p>\n<p>\u0648\u0641\u064a \u0633\u064a\u0627\u0642 \u0645\u062a\u0635\u0644\u060c \u0623\u0643\u062f \u0631\u0633\u062a\u0645 \u062a\u0631\u0627\u062c\u0639 \u0648\u062a\u064a\u0631\u0629 \u0627\u0646\u0643\u0645\u0627\u0634 \u0642\u0637\u0627\u0639 \u0627\u0644\u0627\u0633\u062a\u062e\u0631\u0627\u062c\u0627\u062a\u060c \u0646\u062a\u064a\u062c\u0629 \u062a\u0643\u062b\u064a\u0641 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062d\u0641\u0631 \u0648\u0627\u0644\u0627\u0633\u062a\u0643\u0634\u0627\u0641 \u0627\u0644\u062a\u064a \u0623\u0633\u0641\u0631\u062a \u0639\u0646 \u0632\u064a\u0627\u062f\u0629 \u0625\u0646\u062a\u0627\u062c \u0627\u0644\u0628\u062a\u0631\u0648\u0644 \u0648\u0627\u0644\u063a\u0627\u0632 \u062e\u0644\u0627\u0644 \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u0623\u062e\u064a\u0631\u0629\u060c \u0645\u0634\u064a\u0631\u064b\u0627 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0648\u0641\u0631\u062a \u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u062f\u0639\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u0621 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0648\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u0645\u062f\u0627\u062f\u0627\u062a\u060c \u0643\u0645\u0627 \u0646\u062c\u062d\u062a \u0641\u064a \u062e\u0641\u0636 \u0645\u0633\u062a\u062d\u0642\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u0621 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u0645\u0646 6.1 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u064a\u0648\u0646\u064a\u0648 2024 \u0625\u0644\u0649 \u0646\u062d\u0648 700 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u062d\u0627\u0644\u064a\u064b\u0627\u060c \u0645\u0639 \u0627\u0633\u062a\u0647\u062f\u0627\u0641 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0635\u0641\u0631 \u0645\u062f\u064a\u0648\u0646\u064a\u0629 \u0628\u0646\u0647\u0627\u064a\u0629 \u064a\u0648\u0646\u064a\u0648 \u0627\u0644\u0645\u0642\u0628\u0644.<\/p>\n<p>\u0623\u0636\u0627\u0641 \u0625\u0646 \u0627\u0644\u0625\u0639\u0644\u0627\u0646 \u0639\u0646 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0627\u0643\u062a\u0634\u0627\u0641\u0627\u062a \u0627\u0644\u0628\u062a\u0631\u0648\u0644\u064a\u0629 \u0648\u062d\u0642\u0648\u0644 \u0627\u0644\u063a\u0627\u0632 \u062e\u0644\u0627\u0644 \u0634\u0647\u0631\u064a \u0645\u0627\u0631\u0633 \u0648\u0623\u0628\u0631\u064a\u0644 \u0627\u0644\u0645\u0627\u0636\u064a\u064a\u0646 \u0645\u0646 \u0634\u0623\u0646\u0647 \u0623\u0646 \u064a\u0633\u0647\u0645 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u060c \u0648\u0645\u0646 \u062b\u0645 \u0627\u0646\u0639\u0643\u0627\u0633\u0647 \u0639\u0644\u0649 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0646\u0634\u0627\u0637 \u062e\u0644\u0627\u0644 \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0631\u0627\u0628\u0639 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u0627\u0631\u064a.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-399855 size-full\" src=\"https:\/\/hapijournal.com\/wp-content\/uploads\/2026\/05\/22-8.png.webp\" alt=\"\" width=\"298\" height=\"195\" srcset=\"https:\/\/hapijournal.com\/wp-content\/uploads\/2026\/05\/22-8.png.webp 298w, https:\/\/hapijournal.com\/wp-content\/uploads\/2026\/05\/22-8-210x136.png.webp 210w\" sizes=\"auto, (max-width: 298px) 100vw, 298px\"\/><\/p>\n<h4><strong>\u062e\u0637\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0644\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644 \u062a\u0633\u062a\u0647\u062f\u0641 \u062a\u062d\u0642\u064a\u0642 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0628\u064a\u0646 5.2% \u06485.4%<\/strong><\/h4>\n<p>\u0648\u0641\u064a \u062a\u0635\u0631\u064a\u062d\u0627\u062a \u0635\u062d\u0641\u064a\u0629 \u0645\u0646\u062a\u0635\u0641 \u0645\u0627\u064a\u0648 \u0627\u0644\u062c\u0627\u0631\u064a\u060c \u0642\u0627\u0644 \u0648\u0632\u064a\u0631 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0648\u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0625\u0646 \u062e\u0637\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0644\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644 2026\/2027 \u062a\u0633\u062a\u0647\u062f\u0641 \u062a\u062d\u0642\u064a\u0642 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u064a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 5.2% \u06485.4%.<\/p>\n<p>\u0623\u0636\u0627\u0641 \u0625\u0646 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u062a\u0624\u0643\u062f \u0627\u0644\u0627\u0646\u0639\u0643\u0627\u0633 \u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a \u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0639\u0644\u0649 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u064a\u0629\u060c \u0645\u0648\u0636\u062d\u064b\u0627 \u0623\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u062a\u0633\u062a\u0647\u062f\u0641 \u0632\u064a\u0627\u062f\u0629 \u0645\u0633\u0627\u0647\u0645\u0629 \u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u0641\u064a \u0627\u0644\u0646\u0645\u0648 \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644\u060c \u0628\u062d\u064a\u062b \u062a\u0633\u062a\u062d\u0648\u0630 \u062e\u0645\u0633\u0629 \u0642\u0637\u0627\u0639\u0627\u062a \u0639\u0644\u0649 64% \u0645\u0646 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u060c \u062a\u062a\u0635\u062f\u0631\u0647\u0627 \u0627\u0644\u0635\u0646\u0627\u0639\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 29%\u060c \u064a\u0644\u064a\u0647\u0627 \u0642\u0637\u0627\u0639 \u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062c\u0645\u0644\u0629 \u0648\u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0628\u0646\u0633\u0628\u0629 11.3%\u060c \u062b\u0645 \u0627\u0644\u0633\u064a\u0627\u062d\u0629 \u0628\u0646\u0633\u0628\u0629 9.3%\u060c \u0648\u0627\u0644\u062a\u0634\u064a\u064a\u062f \u0648\u0627\u0644\u0628\u0646\u0627\u0621 \u0628\u0646\u0633\u0628\u0629 7.2%\u060c \u0648\u0627\u0644\u0632\u0631\u0627\u0639\u0629 \u0628\u0646\u0633\u0628\u0629 7%.<\/p>\n<p>\u0643\u0627\u0646 \u0631\u0633\u062a\u0645 \u0642\u062f \u0623\u0634\u0627\u0631 \u0641\u064a \u062a\u0635\u0631\u064a\u062d\u0627\u062a \u0633\u0627\u0628\u0642\u0629 \u0623\u0648\u0627\u062e\u0631 \u0645\u0627\u0631\u0633 \u0627\u0644\u0645\u0627\u0636\u064a\u060c \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u062e\u0637\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629 \u0644\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644 \u062a\u0645 \u0625\u0639\u062f\u0627\u062f\u0647\u0627 \u0641\u064a \u0638\u0644 \u0638\u0631\u0648\u0641 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0639\u0627\u0644\u0645\u064a\u0629 \u0645\u0636\u0637\u0631\u0628\u0629\u060c \u062e\u0627\u0635\u0629 \u0645\u0639 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0627\u0644\u0636\u063a\u0648\u0637 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0627\u0631\u062a\u0641\u0627\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0637\u0627\u0642\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u0627\u0646\u0639\u0643\u0633 \u0639\u0644\u0649 \u0635\u064a\u0627\u063a\u0629 \u0645\u0633\u062a\u0647\u062f\u0641\u0627\u062a \u0623\u0643\u062b\u0631 \u0645\u0631\u0648\u0646\u0629.<\/p>\n<h4><strong>\u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u062a\u0633\u062a\u0647\u062f\u0641 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0632\u062e\u0645 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0639\u0628\u0631 \u062d\u0632\u0645\u0629 \u0645\u0646 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062f\u0627\u0639\u0645\u0629 \u0644\u0644\u0625\u0646\u062a\u0627\u062c \u0627\u0644\u0635\u0646\u0627\u0639\u064a<\/strong><\/h4>\n<p>\u0648\u0623\u0643\u062f \u0623\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u062a\u0633\u062a\u0647\u062f\u0641 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0632\u062e\u0645 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0639\u0628\u0631 \u062d\u0632\u0645\u0629 \u0645\u0646 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062f\u0627\u0639\u0645\u0629 \u0644\u0644\u0625\u0646\u062a\u0627\u062c \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u060c \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0627\u0644\u0646\u0645\u0648 \u0648\u062a\u062d\u0641\u064a\u0632 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629.<\/p>\n<p>\u0648\u0641\u064a \u0627\u0644\u0633\u064a\u0627\u0642 \u0646\u0641\u0633\u0647\u060c \u0642\u0627\u0644\u062a \u0648\u0643\u0627\u0644\u0629 \u201c\u0641\u064a\u062a\u0634\u201d \u0644\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0641\u064a \u062a\u0642\u0631\u064a\u0631 \u062d\u062f\u064a\u062b\u060c \u0625\u0646 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0645\u0635\u0631\u064a \u0633\u062c\u0644 \u0646\u0645\u0648\u064b\u0627 \u0642\u0648\u064a\u064b\u0627 \u0628\u0644\u063a 5% \u062e\u0644\u0627\u0644 \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u062b\u0627\u0644\u062b \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u0627\u0631\u064a\u060c \u0648\u0645\u062a\u0648\u0633\u0637 5.2% \u062e\u0644\u0627\u0644 \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u062a\u0633\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0644\u0643\u0646\u0647\u0627 \u062a\u0648\u0642\u0639\u062a \u062a\u0628\u0627\u0637\u0624 \u0627\u0644\u0646\u0645\u0648 \u0625\u0644\u0649 4.4% \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644 \u0646\u062a\u064a\u062c\u0629 \u0636\u0639\u0641 \u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0645\u062d\u0644\u064a.<\/p>\n<h4><strong>\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a \u0623\u0628\u0642\u0649 \u0639\u0644\u0649 \u062a\u0648\u0642\u0639\u0627\u062a\u0647 \u0628\u0634\u0623\u0646 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0645\u0635\u0631 \u0639\u0646\u062f 4.3% \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u0627\u0631\u064a<\/strong><\/h4>\n<p>\u0648\u0641\u064a \u0630\u0627\u062a \u0627\u0644\u0633\u064a\u0627\u0642\u060c \u0643\u0627\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a \u0642\u062f \u0623\u0628\u0642\u0649 \u0639\u0644\u0649 \u062a\u0648\u0642\u0639\u0627\u062a\u0647 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0641\u064a \u0623\u0628\u0631\u064a\u0644 2026 \u0628\u0634\u0623\u0646 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0645\u0635\u0631 \u0639\u0646\u062f \u0646\u062d\u0648 4.3% \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u0627\u0631\u064a 2025\/2026\u060c \u0645\u0642\u0627\u0628\u0644 4.4% \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0627\u0636\u064a\u060c \u062f\u0648\u0646 \u062a\u063a\u064a\u064a\u0631 \u0639\u0646 \u062a\u0648\u0642\u0639\u0627\u062a\u0647 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0641\u064a \u064a\u0646\u0627\u064a\u0631 \u0627\u0644\u0645\u0627\u0636\u064a.<\/p>\n<p>\u0648\u0623\u0634\u0627\u0631 \u0627\u0644\u0628\u0646\u0643 \u0625\u0644\u0649 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a \u062a\u0633\u062a\u0646\u062f \u0625\u0644\u0649 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0642\u0648\u064a \u0627\u0644\u0630\u064a \u0634\u0647\u062f\u0647 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0645\u0635\u0631\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0646\u0635\u0641 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u0627\u0631\u064a\u060c \u0648\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0642\u0648\u0629 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0627\u0644\u062e\u0627\u0635\u060c \u0648\u0646\u0645\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u062a\u0628\u0627\u0637\u0624 \u0648\u062a\u064a\u0631\u0629 \u0627\u0644\u062a\u0636\u062e\u0645 \u0631\u063a\u0645 \u062a\u062f\u0627\u0639\u064a\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0639 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637.<\/p>\n<p>\u0643\u0645\u0627 \u062a\u0648\u0642\u0639 \u0627\u0644\u0628\u0646\u0643 \u0623\u0646 \u064a\u062a\u0628\u0627\u0637\u0623 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0646\u0627\u0645\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0631\u062f\u0629 \u0644\u0644\u0646\u0641\u0637 \u0628\u0634\u0643\u0644 \u0637\u0641\u064a\u0641\u060c \u0645\u0646 3.8% \u0641\u064a \u0639\u0627\u0645 2025 \u0625\u0644\u0649 3.7% \u0641\u064a \u0639\u0627\u0645 2026\u060c \u0646\u062a\u064a\u062c\u0629 \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u062a\u0648\u062a\u0631\u0627\u062a \u0627\u0644\u062c\u064a\u0648\u0633\u064a\u0627\u0633\u064a\u0629 \u0639\u0644\u0649 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0637\u0627\u0642\u0629 \u0648\u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629.<\/p>\n<h4><strong>\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u064a\u062a\u0648\u0642\u0639 \u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0646\u0645\u0648 \u0625\u0644\u0649 4.8% \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644.. \u0648\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u062a\u0648\u062a\u0631\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0645\u062d\u062f\u0648\u062f<\/strong><\/h4>\n<p>\u0623\u0645\u0627 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a \u0641\u062a\u0648\u0642\u0639 \u0641\u064a \u0634\u0647\u0631 \u0623\u0628\u0631\u064a\u0644 \u0627\u0644\u0645\u0627\u0636\u064a \u0623\u0646 \u064a\u062a\u0628\u0627\u0637\u0623 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0645\u0635\u0631\u064a \u0625\u0644\u0649 4.2% \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u0627\u0631\u064a 2025\/2026\u060c \u0645\u0642\u0627\u0628\u0644 4.4% \u0641\u064a \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0627\u0636\u064a 2024\/2025\u060c \u0642\u0628\u0644 \u0623\u0646 \u064a\u0639\u0627\u0648\u062f \u0627\u0644\u0627\u0631\u062a\u0641\u0627\u0639 \u0625\u0644\u0649 4.8% \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644 2026\/2027.<\/p>\n<p>\u0648\u0643\u0627\u0646\u062a \u0647\u0630\u0647 \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a \u0623\u0642\u0644 \u0645\u0646 \u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0641\u064a \u0634\u0647\u0631 \u064a\u0646\u0627\u064a\u0631 \u0627\u0644\u0645\u0627\u0636\u064a\u060c \u0648\u0627\u0644\u062a\u064a \u0643\u0627\u0646\u062a \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0646\u0645\u0648 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0645\u0635\u0631\u064a \u0628\u0646\u0633\u0628\u0629 4.7% \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u0627\u0631\u064a\u060c \u06485.4% \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0642\u0628\u0644\u060c \u0648\u0647\u0648 \u0645\u0627 \u0623\u0631\u062c\u0639\u0647 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0625\u0644\u0649 \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u062a\u0648\u062a\u0631\u0627\u062a \u0627\u0644\u062c\u064a\u0648\u0633\u064a\u0627\u0633\u064a\u0629 \u0628\u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0639\u0644\u0649 \u0627\u0642\u062a\u0635\u0627\u062f\u0627\u062a \u0627\u0644\u0645\u0646\u0637\u0642\u0629.<\/p>\n<p>\u0648\u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 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