According to the Central Bank, the total volume of loans issued by commercial banks in Uzbekistan amounted to 636 trillion soms as of June 1, 2026.
According to the Central Bank, the total volume of loans issued by commercial banks in Uzbekistan amounted to 636 trillion soms as of June 1, 2026.
State-owned banks provided 420.4 trillion soms, which accounts for 66.1 percent of the total credit portfolio of the banking sector. The remaining commercial banks provided 215.5 trillion soms, or 33.9 percent.
The National Bank of Uzbekistan leads in loan issuance volume, providing 107.5 trillion soms, which corresponds to 16.9 percent of all loans in the banking system. It is followed by Agrobank with an amount of 90.9 trillion soms (14.3 percent), Uzpromstroybank with 61.2 trillion soms (9.6 percent), Asaka Bank with 40.2 trillion soms (6.3 percent), and Kapital Bank with 37.9 trillion soms (6 percent).
The smallest credit portfolio was recorded at Saderat Bank, amounting to 9.2 billion soms. Small lending volumes were also noted at Uzum Bank (241.5 billion soms), Poytaht Bank (370.5 billion soms), Madad Invest Bank (593.4 billion soms), and Octobank (606.9 billion soms).
According to the Central Bank, the aggregate capital of commercial banks in Uzbekistan as of June 1, 2026, amounted to 145.5 trillion soms.
State-owned banks accumulate 85.4 trillion soms, which accounts for 58.7 percent of the total capital in the banking sector. The remaining commercial banks have capital amounting to 60.1 trillion soms, or 41.3 percent.
The National Bank of Uzbekistan holds the largest volume of capital in the country, owning 20.8 trillion soms, equivalent to 14.3 percent of the total national amount. It is followed by Agrobank with capital of 13.8 trillion soms (9.5 percent), Uzpromstroybank with 12.8 trillion soms (8.8 percent), Xalq Bank (People's Bank) with 11.1 trillion soms (7.7 percent), and Asaka Bank with 9.5 trillion soms (6.5 percent).
Among the country's financial institutions, the smallest capital volume was recorded at Open Bank, which reached 514.5 billion soms. Similar low figures were noted for Madad Invest Bank (530.2 billion soms), AVO Bank (546.3 billion soms), Saderat Bank (555.4 billion soms), and Garant Bank (572.1 billion soms).
As of June 1, 2026, the total loan portfolio of the banking system of Uzbekistan reached 636.0 trillion soms, which is 5.3% higher compared to the beginning of the current year.
The highest growth rates were recorded in the segments of credit cards and overdrafts, but mortgage loans still hold the largest share in retail lending. The volume of loans issued to individuals amounted to 232.9 trillion soms, exceeding the figure at the beginning of the year by 5.7%.
Mortgage lending continued to occupy a leading position in the structure of the retail portfolio, reaching a volume of 85.2 trillion soms, demonstrating a growth of 7.3%. Additionally, there was an expansion in demand for microfinance instruments: the volume of microloans increased by 11%, amounting to 44.9 trillion soms, and microcredits grew by 2.6% to 50.2 trillion soms.
In the consumer lending segment, credit cards and overdrafts showed the fastest dynamics, increasing by a total of 24.3% since the beginning of the year. This reflects the growing need of the population for short-term liquidity tools.
Meanwhile, the volume of loans provided to legal entities reached 403.1 trillion soms, representing an increase of 5.1%. The corporate sector continues to constitute the main part of the overall loan portfolio of the banking system. Among financial instruments for corporations, leasing and factoring operations demonstrated the most noticeable expansion, growing by 19.7%. Interbank lending also significantly increased by 43.2%, indicating an increase in financing opportunities both in the banking sector and for corporate clients.
The overall structure of the loan portfolio indicates the maintenance of high business activity in both the retail and corporate segments. Mortgages, small business financing, and short-term liquidity instruments remain the most stable and resilient demand.
The banking system of the Republic of Uzbekistan demonstrates significant volumes of fund attraction and distribution, with key indicators pointing to a high concentration of capital in the capital region.
According to official data from the Central Bank, as of June 1, 2026, the total outstanding balance of loans issued by domestic commercial banks reached 636 trillion sums. Concurrently, the total outstanding balance of deposits attracted from legal entities and private individuals amounted to 460.6 trillion sums.
The internal structure of both the credit and deposit portfolios of the country's financial institutions is predominantly based on the corporate sector. In the segment of active banking operations, the main share of financing is directed to legal entities, whose outstanding obligations totaled 403.1 trillion sums, while retail lending to individuals reached 232.9 trillion sums. A similar trend is observed in the liability base: organizations and enterprises hold 282.1 trillion sums in bank accounts, whereas citizens' savings amounted to 178.5 trillion sums.
The distribution of banking resources across the republic reflects a deep imbalance between the capital and other administrative units. The city of Tashkent is the absolute leader in credit activity. The main economic entities and residents of the capital provide 292.3 trillion sums, which is equivalent to almost 46 percent of the total volume of loans issued in the country.
When analyzing by region, Fergana Region shows relatively high lending figures with a result of 36.9 trillion sums, Samarkand Region with an outstanding balance of 32.8 trillion sums, Tashkent Region with 30.0 trillion sums, and Kashkadarya Region with 29.8 trillion sums.
An even more pronounced dominance of Tashkent is evident in the statistics of accumulated savings. Capital accounts and deposits in the capital amount to 351.6 trillion sums, which exceeds 76 percent of the total deposit base of the entire banking system of Uzbekistan. Among the other territories, the leaders in attracted funds are Samarkand Region, where 13.3 trillion sums have been accumulated, Bukhara Region with 12.6 trillion sums, and Khorezm Region, where the outstanding balance of deposits reached 12.3 trillion sums.
