According to data from the Central Bank of the Republic of Uzbekistan, the share of non-performing loans (NPL) in the total loan portfolio of commercial banks in Uzbekistan reached 3.71% as of August 1, 2026.
According to data from the Central Bank of the Republic of Uzbekistan, the share of non-performing loans (NPL) in the total loan portfolio of commercial banks in Uzbekistan reached 3.71% as of August 1, 2026.
The total volume of the country's banking loan portfolio amounted to 644,637.2 billion soms, of which 23,928.6 billion soms were classified as non-performing loans.
In the segment of state-owned banks, the total loan portfolio reached 421,937.2 billion soms, and the amount of non-performing loans was 16,801.7 billion soms, corresponding to a share of 3.98%. Among these banks, Microcreditbank showed the highest NPL share at 9.87% with a loan portfolio of 23,124.2 billion soms.
Other state-owned banks demonstrated the following indicators: Business Development Bank — 5.84%, Asaka Bank — 4.48%, and Halk Bank — 4.09%. The lowest share in this group was recorded by UzNatsBank, which was 3.03%.
Among other banks, TBC Bank had the largest share of non-performing loans with an indicator of 13.07% on a loan portfolio of 7,937.7 billion soms. Indicators for other banks in this category: Poytaxt Bank — 10.54%, Anor Bank — 7.64%, Garant Bank — 7.15%, and AVO Bank — 6.61%.
The lowest non-performing loan ratios among all banks were registered by Uzum Bank (0.0093%), Apex Bank (0.055%), and Open Bank (0.45%). As of the reporting date, UzKDB Bank and Octobank had no non-performing loans.
The total volume of deposits in the banking system of Uzbekistan showed significant growth over the past year, increasing by almost 34%. The deposit amount grew from approximately 360 trillion soms to 482.7 trillion soms, which represents an increase of more than 122 trillion soms.
According to information provided by the Central Bank, 142 trillion soms, accounting for 29% of the total amount, was placed as demand deposits. Additionally, 36% of all deposits, or 175.7 trillion soms, were placed for a term not exceeding one year.
Long-term deposits, which have a term of more than one year, accumulate 164.9 trillion soms, corresponding to 34% of the total volume. It is worth noting that a year earlier, the share of such long-term deposits was 37%, while the share of deposits for up to one year reached 33%.
It was also announced that the methodology for calculating the official currency exchange rate has changed. Starting from September 15, the formation of this rate will be based on data not only from the foreign exchange market but also from the interbank over-the-counter market.
According to data on outstanding loans by category, the total outstanding loan balance issued to individuals and legal entities in Uzbekistan amounted to 644.6 trillion sums as of August 1, 2026. This figure showed an increase of 6.7% compared to the beginning of the current year.
In the segment of loans to individuals, the outstanding balance reached 239.8 trillion sums, which is an increase of 8.9% since the beginning of the year. This segment became the fastest-growing among the main categories of the credit portfolio.
Mortgage loans accounted for the largest share in the retail portfolio, with their outstanding balance increasing by 11% to reach 88.1 trillion sums. The balance of microloans grew by 4.7% to 51.1 trillion sums, and the balance of microcredits increased by 15.5% to 46.7 trillion sums. Auto loans grew by 2% to 40.5 trillion sums.
The only retail lending category that showed a decrease was educational loans, whose outstanding balance decreased by 1.3% to 6.8 trillion sums. Consumer loans increased by 3.3% to 508 billion sums. The most significant growth among all individual loan categories was recorded for other loans, including credit cards and overdrafts, whose balance grew by 33.5% to 5.9 trillion sums.
Regarding loans to legal entities, their outstanding balance as of August 1 was 404.8 trillion sums, which is 5.5% higher than at the beginning of the year. The main part of this segment is comprised of loans to legal entities that are not credit institutions, and their balance increased by 4.9% to 377.5 trillion sums.
Interbank loans showed the fastest growth among corporate credit categories, increasing by 58.2% to 1 trillion sums, although this category remains relatively small in absolute terms. Leasing and factoring balances grew by 27.5% to 4.9 trillion sums, and microcredits for legal entities increased by 22.1% to 17.9 trillion sums. Syndicated loans were the only category to record a significant reduction, with their outstanding balance decreasing by 26.1% to 3.5 trillion sums.
