{"title":"\u0623\u0641\u0636\u0644 \u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0645\u0635\u0631 2025: \u0645\u0642\u0627\u0631\u0646\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0646\u0627\u0633\u0628","content":"<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-testid=\"conversation-turn-34\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"b318f28d-48bf-445b-ba2c-7e5650eb0a10\" data-message-model-slug=\"gpt-4o\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<p data-start=\"0\" data-end=\"341\">\u0647\u0644 \u062a\u0633\u0627\u0621\u0644\u062a \u064a\u0648\u0645\u064b\u0627 \u0625\u0646 \u0643\u0627\u0646 \u0627\u0644\u0637\u0631\u064a\u0642 \u0625\u0644\u0649 \u0627\u0645\u062a\u0644\u0627\u0643 \u0645\u0646\u0632\u0644\u0643 \u0627\u0644\u062c\u062f\u064a\u062f \u064a\u0628\u062f\u0623 \u0628\u062e\u0637\u0648\u0629 \u0645\u0627\u0644\u064a\u0629 \u0630\u0643\u064a\u0629 \u0648\u0644\u064a\u0633 \u0641\u0642\u0637 \u0628\u062c\u0648\u0644\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a\u061f \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639\u060c \u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u064a\u0646 \u064a\u0636\u0639\u0648\u0646 \u0643\u0644 \u062a\u0631\u0643\u064a\u0632\u0647\u0645 \u0639\u0644\u0649 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0648\u062d\u062f\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0645\u0648\u0642\u0639\u060c \u0627\u0644\u0645\u0633\u0627\u062d\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0634\u0637\u064a\u0628\u0627\u062a\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u062a\u063a\u0627\u0641\u0644\u0648\u0646 \u0639\u0646 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class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062c\u062f\u0648\u0644<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" 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>\u0645\u0627 \u0647\u064a \u0623\u0628\u0631\u0632 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0645\u0635\u0631\u061f<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogs.realestate.gov.eg\/ar\/best-banks-for-real-estate-loans-in-egypt\/#1_%D8%A8%D9%86%D9%83_%D9%85%D8%B5%D8%B1_%E2%80%93_%D8%AE%D9%8A%D8%A7%D8%B1_%D9%85%D9%88%D8%AB%D9%88%D9%82_%D9%84%D8%B0%D9%88%D9%8A_%D8%A7%D9%84%D8%AF%D8%AE%D9%84_%D8%A7%D9%84%D9%85%D8%AD%D8%AF%D9%88%D8%AF_%D9%88%D8%A7%D9%84%D9%85%D8%AA%D9%88%D8%B3%D8%B7\" >1. \u0628\u0646\u0643 \u0645\u0635\u0631 \u2013 \u062e\u064a\u0627\u0631 \u0645\u0648\u062b\u0648\u0642 \u0644\u0630\u0648\u064a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u062d\u062f\u0648\u062f 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href=\"https:\/\/blogs.realestate.gov.eg\/ar\/best-banks-for-real-estate-loans-in-egypt\/#%D8%A7%D9%84%D8%A8%D9%86%D9%83_%D8%A7%D9%84%D8%A3%D9%87%D9%84%D9%8A_%D8%A7%D9%84%D9%85%D8%B5%D8%B1%D9%8A\" >\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0623\u0647\u0644\u064a \u0627\u0644\u0645\u0635\u0631\u064a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogs.realestate.gov.eg\/ar\/best-banks-for-real-estate-loans-in-egypt\/#%D8%A8%D9%86%D9%83_%D8%A7%D9%84%D9%82%D8%A7%D9%87%D8%B1%D8%A9\" >\u0628\u0646\u0643 \u0627\u0644\u0642\u0627\u0647\u0631\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogs.realestate.gov.eg\/ar\/best-banks-for-real-estate-loans-in-egypt\/#%D8%A8%D9%86%D9%83_%D8%A7%D9%84%D8%A5%D8%B3%D9%83%D8%A7%D9%86_%D9%88%D8%A7%D9%84%D8%AA%D8%B9%D9%85%D9%8A%D8%B1\" >\u0628\u0646\u0643 \u0627\u0644\u0625\u0633\u0643\u0627\u0646 \u0648\u0627\u0644\u062a\u0639\u0645\u064a\u0631<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogs.realestate.gov.eg\/ar\/best-banks-for-real-estate-loans-in-egypt\/#QNB_%D8%A7%D9%84%D8%A3%D9%87%D9%84%D9%8A\" >QNB \u0627\u0644\u0623\u0647\u0644\u064a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogs.realestate.gov.eg\/ar\/best-banks-for-real-estate-loans-in-egypt\/#CIB_%E2%80%93_%D8%A7%D9%84%D8%A8%D9%86%D9%83_%D8%A7%D9%84%D8%AA%D8%AC%D8%A7%D8%B1%D9%8A_%D8%A7%D9%84%D8%AF%D9%88%D9%84%D9%8A\" >CIB \u2013 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u062f\u0648\u0644\u064a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blogs.realestate.gov.eg\/ar\/best-banks-for-real-estate-loans-in-egypt\/#%D8%A8%D9%86%D9%83_%D8%A3%D8%A8%D9%88_%D8%B8%D8%A8%D9%8A_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A_ADIB\" >\u0628\u0646\u0643 \u0623\u0628\u0648 \u0638\u0628\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a (ADIB)<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3 data-start=\"1064\" data-end=\"1127\"><span class=\"ez-toc-section\" id=\"%D9%85%D8%A7_%D9%87%D9%8A_%D8%A3%D8%A8%D8%B1%D8%B2_%D8%A7%D9%84%D8%A8%D9%86%D9%88%D9%83_%D8%A7%D9%84%D9%85%D9%88%D8%B5%D9%89_%D8%A8%D9%87%D8%A7_%D9%84%D9%84%D8%AD%D8%B5%D9%88%D9%84_%D8%B9%D9%84%D9%89_%D8%AA%D9%85%D9%88%D9%8A%D9%84_%D8%B9%D9%82%D8%A7%D8%B1%D9%8A_%D9%81%D9%8A_%D9%85%D8%B5%D8%B1%D8%9F\"><\/span>\u0645\u0627 \u0647\u064a \u0623\u0628\u0631\u0632 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0645\u0635\u0631\u061f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1129\" data-end=\"1305\">\u0644\u0646 \u0646\u0633\u062a\u0639\u0631\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0634\u0647\u0631\u062a\u0647\u0627 \u0641\u0642\u0637\u060c \u0628\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0639\u0627\u064a\u064a\u0631 \u0645\u0648\u0636\u0648\u0639\u064a\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u0645\u062f\u0649 \u0645\u0644\u0627\u0621\u0645\u062a\u0647\u0627 \u0644\u0634\u0631\u0627\u0626\u062d \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0627\u0633\u062a\u0646\u0627\u062f\u064b\u0627 \u0625\u0644\u0649 \u0628\u0631\u0627\u0645\u062c\u0647\u0627 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629\u060c \u0648\u0634\u0631\u0648\u0637\u0647\u0627\u060c \u0648\u0633\u0631\u0639\u0629 \u0625\u062c\u0631\u0627\u0621\u0627\u062a\u0647\u0627:<\/p>\n<h4 data-start=\"1307\" data-end=\"1369\"><span class=\"ez-toc-section\" id=\"1_%D8%A8%D9%86%D9%83_%D9%85%D8%B5%D8%B1_%E2%80%93_%D8%AE%D9%8A%D8%A7%D8%B1_%D9%85%D9%88%D8%AB%D9%88%D9%82_%D9%84%D8%B0%D9%88%D9%8A_%D8%A7%D9%84%D8%AF%D8%AE%D9%84_%D8%A7%D9%84%D9%85%D8%AD%D8%AF%D9%88%D8%AF_%D9%88%D8%A7%D9%84%D9%85%D8%AA%D9%88%D8%B3%D8%B7\"><\/span>1. <strong data-start=\"1315\" data-end=\"1326\">\u0628\u0646\u0643 \u0645\u0635\u0631<\/strong> \u2013 \u062e\u064a\u0627\u0631 \u0645\u0648\u062b\u0648\u0642 \u0644\u0630\u0648\u064a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u062d\u062f\u0648\u062f \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p data-start=\"1370\" data-end=\"1521\">\u064a\u064f\u0639\u062f \u0628\u0646\u0643 \u0645\u0635\u0631 \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0636\u0645\u0646 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u060c \u0644\u0627 \u0633\u064a\u0645\u0627 \u0645\u0628\u0627\u062f\u0631\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0644\u0645\u062d\u062f\u0648\u062f\u064a \u0648\u0645\u062a\u0648\u0633\u0637\u064a \u0627\u0644\u062f\u062e\u0644. \u062a\u0634\u0645\u0644 \u0645\u0632\u0627\u064a\u0627\u0647:<\/p>\n<ul data-start=\"1522\" data-end=\"1937\">\n<li data-start=\"1522\" data-end=\"1587\">\n<p data-start=\"1524\" data-end=\"1587\"><strong data-start=\"1524\" data-end=\"1541\">\u0641\u0627\u0626\u062f\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629<\/strong> \u062a\u0628\u062f\u0623 \u0645\u0646 3% \u0625\u0644\u0649 8% \u0645\u062a\u0646\u0627\u0642\u0635\u0629 \u062d\u0633\u0628 \u0646\u0648\u0639 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0629.<\/p>\n<\/li>\n<li data-start=\"1588\" data-end=\"1690\">\n<p data-start=\"1590\" data-end=\"1690\"><strong data-start=\"1590\" data-end=\"1608\">\u0641\u062a\u0631\u0629 \u0633\u062f\u0627\u062f \u0645\u0631\u0646\u0629<\/strong> \u062a\u0635\u0644 \u0625\u0644\u0649 30 \u0639\u0627\u0645\u064b\u0627\u060c \u0645\u0627 \u064a\u062a\u064a\u062d \u062a\u0642\u0633\u064a\u0637 \u0627\u0644\u0642\u0631\u0636 \u0639\u0644\u0649 \u0645\u062f\u0649 \u0637\u0648\u064a\u0644 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u062a\u062e\u0641\u064a\u0641 \u0627\u0644\u0639\u0628\u0621 \u0627\u0644\u0634\u0647\u0631\u064a.<\/p>\n<\/li>\n<li data-start=\"1691\" data-end=\"1778\">\n<p data-start=\"1693\" data-end=\"1778\"><strong data-start=\"1693\" data-end=\"1730\">\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0648\u062d\u062f\u0627\u062a \u062a\u062d\u062a \u0627\u0644\u0625\u0646\u0634\u0627\u0621<\/strong> \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0636\u0645\u0646 \u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0645\u0639\u062a\u0645\u062f\u0629 \u0623\u0648 \u0628\u0636\u0645\u0627\u0646\u0627\u062a \u0645\u0639\u064a\u0646\u0629.<\/p>\n<\/li>\n<li data-start=\"1779\" data-end=\"1869\">\n<p data-start=\"1781\" data-end=\"1869\"><strong data-start=\"1781\" data-end=\"1800\">\u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a<\/strong>\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u0642\u0628\u0648\u0644 \u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u062f\u062e\u0644 \u063a\u064a\u0631 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0644\u0628\u0639\u0636 \u0627\u0644\u062d\u0631\u0641 \u0648\u0627\u0644\u0645\u0647\u0646 \u0627\u0644\u062d\u0631\u0629.<\/p>\n<\/li>\n<li data-start=\"1870\" data-end=\"1937\">\n<p data-start=\"1872\" data-end=\"1937\"><strong data-start=\"1872\" data-end=\"1893\">\u0634\u0631\u0648\u0637 \u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0644\u0623\u0633\u0631<\/strong> \u0627\u0644\u062a\u064a \u062a\u0633\u0639\u0649 \u0625\u0644\u0649 \u0634\u0631\u0627\u0621 \u0633\u0643\u0646 \u0623\u0633\u0627\u0633\u064a \u0648\u0644\u064a\u0633 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1939\" data-end=\"2097\">\u0627\u0644\u0628\u0646\u0643 \u064a\u0642\u062f\u0645 \u0623\u064a\u0636\u064b\u0627 \u0642\u0631\u0648\u0636\u064b\u0627 \u0639\u0642\u0627\u0631\u064a\u0629 \u062e\u0627\u0631\u062c \u0625\u0637\u0627\u0631 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0629 \u0628\u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629 \u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0644\u0645\u0646 \u0644\u0627 \u062a\u0646\u0637\u0628\u0642 \u0639\u0644\u064a\u0647\u0645 \u0634\u0631\u0648\u0637 \u0627\u0644\u062f\u0639\u0645 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647 \u062e\u064a\u0627\u0631\u064b\u0627 \u0645\u0631\u0646\u064b\u0627 \u0644\u0645\u062c\u0645\u0648\u0639\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/p>\n<h3 data-start=\"2099\" data-end=\"2150\"><span class=\"ez-toc-section\" id=\"%D9%83%D9%8A%D9%81_%D8%AA%D9%82%D8%A7%D8%B1%D9%86_%D8%A8%D9%8A%D9%86_%D8%A7%D9%84%D8%A8%D9%86%D9%88%D9%83%D8%9F_%D9%88%D9%85%D8%A7_%D8%A7%D9%84%D8%B0%D9%8A_%D9%8A%D8%AC%D8%A8_%D8%A3%D9%86_%D8%AA%D8%B3%D8%A3%D9%84_%D8%B9%D9%86%D9%87%D8%9F\"><\/span>\u0643\u064a\u0641 \u062a\u0642\u0627\u0631\u0646 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643\u061f \u0648\u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0623\u0646 \u062a\u0633\u0623\u0644 \u0639\u0646\u0647\u061f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2152\" data-end=\"2229\">\u0639\u0646\u062f \u0645\u0642\u0627\u0631\u0646\u0629 \u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u064a\u0629\u060c \u0644\u0627 \u062a\u0643\u062a\u0641\u0650 \u0628\u0627\u0644\u0633\u0624\u0627\u0644 \u0639\u0646 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0641\u0642\u0637\u060c \u0628\u0644 \u0627\u0633\u0623\u0644 \u0639\u0646:<\/p>\n<ul data-start=\"2230\" data-end=\"2555\">\n<li data-start=\"2230\" data-end=\"2293\">\n<p data-start=\"2232\" data-end=\"2293\">\u0625\u062c\u0645\u0627\u0644\u064a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646).<\/p>\n<\/li>\n<li data-start=\"2294\" data-end=\"2343\">\n<p data-start=\"2296\" data-end=\"2343\">\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0643\u0631 \u0648\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0639\u0644\u064a\u0647 \u063a\u0631\u0627\u0645\u0627\u062a.<\/p>\n<\/li>\n<li data-start=\"2344\" data-end=\"2429\">\n<p data-start=\"2346\" data-end=\"2429\">\u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u062a\u0645\u0648\u064a\u0644\u0647\u0627 (\u062f\u0627\u062e\u0644 \u0627\u0644\u0643\u0645\u0628\u0648\u0646\u062f\u060c \u0641\u064a \u0627\u0644\u0642\u0631\u0649\u060c \u0648\u062d\u062f\u0627\u062a \u0646\u0635\u0641 \u062a\u0634\u0637\u064a\u0628&#8230; \u0625\u0644\u062e).<\/p>\n<\/li>\n<li data-start=\"2430\" data-end=\"2488\">\n<p data-start=\"2432\" data-end=\"2488\">\u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u062a\u064a \u064a\u0633\u062a\u063a\u0631\u0642\u0647\u0627 \u0627\u0644\u0628\u0646\u0643 \u0644\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0644\u0628 \u0648\u0635\u0631\u0641 \u0627\u0644\u0642\u0631\u0636.<\/p>\n<\/li>\n<li data-start=\"2489\" data-end=\"2555\">\n<p data-start=\"2491\" data-end=\"2555\">\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0628\u0627\u0644\u0642\u0637\u0627\u0639 \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a \u0623\u0648 \u062e\u0627\u0631\u062c \u0627\u0644\u0628\u0644\u0627\u062f.<\/p>\n<\/li>\n<\/ul>\n<div class=\"flex basis-auto flex-col -mb-(--composer-overlap-px) [--composer-overlap-px:55px] grow overflow-hidden\">\n<div class=\"relative h-full\">\n<div class=\"flex h-full flex-col overflow-y-auto [scrollbar-gutter:stable_both-edges] @[84rem]\/thread:pt-(--header-height)\">\n<div class=\"@thread-xl\/thread:pt-header-height flex flex-col text-sm pb-25\">\n<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-testid=\"conversation-turn-38\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"8845e400-8d94-48b7-a0f3-26e42f7b552f\" data-message-model-slug=\"gpt-4o\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"streaming-animation markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<h4 data-start=\"262\" data-end=\"295\"><span class=\"ez-toc-section\" id=\"%D8%A7%D9%84%D8%A8%D9%86%D9%83_%D8%A7%D9%84%D8%A3%D9%87%D9%84%D9%8A_%D8%A7%D9%84%D9%85%D8%B5%D8%B1%D9%8A\"><\/span><strong data-start=\"270\" data-end=\"293\">\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0623\u0647\u0644\u064a \u0627\u0644\u0645\u0635\u0631\u064a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p data-start=\"296\" data-end=\"899\">\u064a\u064f\u0639\u062f \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0623\u0647\u0644\u064a \u0627\u0644\u0645\u0635\u0631\u064a \u0627\u0644\u0631\u0643\u064a\u0632\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u062d\u0643\u0648\u0645\u064a \u0641\u064a \u0645\u0635\u0631\u060c \u0648\u064a\u0645\u062b\u0644 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\u062d\u0631\u0629.<br data-start=\"571\" data-end=\"574\" \/>\u064a\u0648\u0641\u0631 \u0627\u0644\u0628\u0646\u0643 \u062a\u0645\u0648\u064a\u0644\u0627\u062a \u0639\u0642\u0627\u0631\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 <strong data-start=\"608\" data-end=\"638\">90% \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0648\u062d\u062f\u0629 \u0627\u0644\u0633\u0643\u0646\u064a\u0629<\/strong>\u060c \u0648\u0647\u064a \u0646\u0633\u0628\u0629 \u0645\u0631\u062a\u0641\u0639\u0629 \u0646\u0633\u0628\u064a\u064b\u0627 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649. \u064a\u0634\u0645\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u062d\u062f\u0627\u062a \u062f\u0627\u062e\u0644 \u0648\u062e\u0627\u0631\u062c \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u060c \u0648\u064a\u064f\u0639\u0631\u0641 \u0628\u0633\u0631\u0639\u0629 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\u0627\u0644\u0642\u0627\u0647\u0631\u0629<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p data-start=\"927\" data-end=\"1464\">\u062f\u062e\u0644 \u0628\u0646\u0643 \u0627\u0644\u0642\u0627\u0647\u0631\u0629 \u0628\u0642\u0648\u0629 \u0625\u0644\u0649 \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0636\u064a\u0629\u060c \u0645\u0633\u062a\u0647\u062f\u0641\u064b\u0627 \u0641\u0626\u0627\u062a \u0645\u062a\u0646\u0648\u0639\u0629 \u062a\u0634\u0645\u0644 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u062f\u062e\u0648\u0644 \u0627\u0644\u0645\u062d\u062f\u0648\u062f\u0629\u060c \u0648\u0627\u0644\u0645\u0647\u0646\u064a\u064a\u0646\u060c \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629. \u0645\u0646 \u0623\u0628\u0631\u0632 \u0645\u0645\u064a\u0632\u0627\u062a\u0647 <strong data-start=\"1097\" data-end=\"1145\">\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0627\u0644\u0645\u0631\u0646 \u0645\u0639 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong>\u060c \u062e\u0627\u0635\u0629 \u0641\u064a \u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0639\u0645\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u062a\u0638\u0645 \u0623\u0648 \u063a\u064a\u0631 \u0627\u0644\u0645\u062b\u0628\u062a \u0628\u0627\u0644\u0643\u0627\u0645\u0644.<br data-start=\"1201\" data-end=\"1204\" \/>\u0643\u0645\u0627 \u064a\u062a\u064a\u062d \u0627\u0644\u0628\u0646\u0643 \u062a\u0645\u0648\u064a\u0644 \u0648\u062d\u062f\u0627\u062a \u062f\u0627\u062e\u0644 \u0627\u0644\u0645\u062f\u0646 \u0648\u062e\u0627\u0631\u062c\u0647\u0627\u060c \u0628\u0634\u0631\u0637 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0633\u062c\u0644\u0629 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data-start=\"1466\" data-end=\"1500\"><span class=\"ez-toc-section\" id=\"%D8%A8%D9%86%D9%83_%D8%A7%D9%84%D8%A5%D8%B3%D9%83%D8%A7%D9%86_%D9%88%D8%A7%D9%84%D8%AA%D8%B9%D9%85%D9%8A%D8%B1\"><\/span><strong data-start=\"1474\" data-end=\"1498\">\u0628\u0646\u0643 \u0627\u0644\u0625\u0633\u0643\u0627\u0646 \u0648\u0627\u0644\u062a\u0639\u0645\u064a\u0631<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p data-start=\"1501\" data-end=\"2041\">\u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0644\u062d\u062f\u064a\u062b \u0639\u0646 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0645\u0635\u0631 \u062f\u0648\u0646 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0628\u0646\u0643 \u0627\u0644\u0625\u0633\u0643\u0627\u0646 \u0648\u0627\u0644\u062a\u0639\u0645\u064a\u0631\u060c \u0627\u0644\u0630\u064a \u0643\u0627\u0646 \u0644\u0647 \u062f\u0648\u0631 \u0631\u064a\u0627\u062f\u064a \u0641\u064a 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\u0648\u062b\u064a\u0642 \u0645\u0639 <strong data-start=\"1795\" data-end=\"1831\">\u0647\u064a\u0626\u0629 \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u0627\u062a \u0627\u0644\u0639\u0645\u0631\u0627\u0646\u064a\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629<\/strong>\u060c \u0645\u0627 \u064a\u0645\u0646\u062d\u0647 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0648\u062d\u062f\u0627\u062a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a\u0647\u0627. \u064a\u0634\u062a\u0631\u0637 \u0627\u0644\u0628\u0646\u0643 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631 \u0623\u0648 \u0648\u062c\u0648\u062f \u0623\u0648\u0631\u0627\u0642 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0633\u0644\u064a\u0645\u0629\u060c \u0648\u064a\u0648\u0641\u0631 \u062a\u0645\u0648\u064a\u0644\u0627\u062a \u0628\u0641\u062a\u0631\u0627\u062a \u0633\u062f\u0627\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 25 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a\u060c \u0628\u0641\u0627\u0626\u062f\u0629 \u0645\u062f\u0639\u0645\u0629 \u0636\u0645\u0646 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629.<\/p>\n<h4 data-start=\"2043\" data-end=\"2067\"><span class=\"ez-toc-section\" id=\"QNB_%D8%A7%D9%84%D8%A3%D9%87%D9%84%D9%8A\"><\/span><strong data-start=\"2051\" data-end=\"2065\">QNB \u0627\u0644\u0623\u0647\u0644\u064a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p data-start=\"2068\" data-end=\"2617\">\u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u062d\u0644\u0648\u0644 \u062a\u0645\u0648\u064a\u0644 \u0639\u0642\u0627\u0631\u064a \u0645\u0631\u0646\u0629 \u0648\u062d\u062f\u064a\u062b\u0629\u060c \u0648\u062a\u064f\u0646\u0627\u0633\u0628 \u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0628\u0627\u062d\u062b\u064a\u0646 \u0639\u0646 \u0648\u062d\u062f\u0627\u062a \u0633\u0643\u0646\u064a\u0629 \u0645\u062a\u0648\u0633\u0637\u0629 \u0623\u0648 \u0641\u0627\u062e\u0631\u0629. \u064a\u0642\u062f\u0645 QNB \u062a\u0645\u0648\u064a\u0644\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 <strong data-start=\"2211\" data-end=\"2233\">15 \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0645\u0635\u0631\u064a<\/strong>\u060c \u0648\u0647\u0648 \u0633\u0642\u0641 \u0645\u0631\u062a\u0641\u0639 \u064a\u064f\u063a\u0637\u064a \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0634\u0631\u064a\u062d\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0646 \u062e\u0627\u0635\u0629 \u0641\u064a \u0627\u0644\u0645\u062f\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0627\u0644\u0645\u062c\u062a\u0645\u0639\u0627\u062a \u0627\u0644\u0639\u0645\u0631\u0627\u0646\u064a\u0629 \u0627\u0644\u0631\u0627\u0642\u064a\u0629.<br data-start=\"2339\" data-end=\"2342\" \/>\u0645\u0646 \u0646\u0642\u0627\u0637 \u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u0628\u0646\u0643: \u0627\u0644\u0633\u0631\u0639\u0629 \u0641\u064a \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a\u060c \u0648\u062a\u0648\u0641\u064a\u0631 \u0645\u0646\u0635\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u0645\u062a\u0627\u0628\u0639\u0629 \u0627\u0644\u0623\u0642\u0633\u0627\u0637\u060c \u0648\u0627\u0644\u0625\u0634\u0639\u0627\u0631\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0645\u0648\u064a\u0644. \u0643\u0645\u0627 \u064a\u0642\u0628\u0644 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0648\u062d\u062f\u0627\u062a \u062a\u062d\u062a \u0627\u0644\u0625\u0646\u0634\u0627\u0621\u060c \u0628\u0634\u0631\u0637 \u062a\u0648\u0627\u0641\u0631 \u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0627\u0636\u062d\u0629\u060c \u0645\u0627 \u064a\u062c\u0639\u0644\u0647 \u062e\u064a\u0627\u0631\u064b\u0627 \u062c\u0630\u0627\u0628\u064b\u0627 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u064a\u0646 \u0648\u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0646 \u0627\u0644\u0645\u062e\u0637\u0637\u064a\u0646 \u0644\u0644\u0645\u0633\u062a\u0642\u0628\u0644.<\/p>\n<h4 data-start=\"2619\" data-end=\"2659\"><span class=\"ez-toc-section\" id=\"CIB_%E2%80%93_%D8%A7%D9%84%D8%A8%D9%86%D9%83_%D8%A7%D9%84%D8%AA%D8%AC%D8%A7%D8%B1%D9%8A_%D8%A7%D9%84%D8%AF%D9%88%D9%84%D9%8A\"><\/span><strong data-start=\"2627\" data-end=\"2657\">CIB \u2013 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u062f\u0648\u0644\u064a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p data-start=\"2660\" data-end=\"3216\">\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0628\u062d\u062b \u0639\u0646 \u062a\u062c\u0631\u0628\u0629 \u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u062a\u0645\u064a\u0632\u0629 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0633\u0647\u0648\u0644\u0629 \u0627\u0644\u0648\u0635\u0648\u0644\u060c \u0641\u0625\u0646 CIB \u064a\u064f\u0639\u062f \u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062e\u0627\u0635\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u062c\u0627\u0646\u0628. \u064a\u064f\u0648\u0641\u0631 \u062a\u0645\u0648\u064a\u0644\u0627\u062a \u0639\u0642\u0627\u0631\u064a\u0629 \u0628\u0641\u062a\u0631\u0627\u062a \u0633\u062f\u0627\u062f \u0645\u0631\u0646\u0629 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