September 21, 10:30UzDaily

Non-performing loan share in Uzbekistan banks reached 3.7% as of August 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.

State-owned banks

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%.

Other banks

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.

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uzdaily.uzSeptember 19, 12:30

Uzbekistan Banks Issued Mortgage Loans totaling 18.3 Trillion Uzbek Sums

The Central Bank of Uzbekistan reported that commercial banks in Uzbekistan provided mortgage loans for housing purchases totaling 18.3 trillion Uzbek sums to nearly 59,200 citizens between January and August 2026. This figure exceeds the volume issued during the same period last year by 4.9 trillion Uzbek sums.

Average interest rates on the issued mortgage loans ranged from 16.9% to 21.6%, depending on the source of financing.

Distribution of Mortgage Loans by Market

Approximately 74% of all mortgage loans, amounting to 13.6 trillion Uzbek sums, were directed to the primary housing market, serving 43,757 borrowers. The secondary housing market received 26% of the loans, or 4.7 trillion Uzbek sums, covering 15,422 people.

Among borrowers, men accounted for 53%, and women for 47%. By age group, the largest share—64%, or 37,980 people—was comprised of citizens aged 31 to 50 years. The 18–30 age group provided 26% of borrowers (15,224 people), while 10% (5,975 borrowers) were over 51 years old.

Geography and Leaders of the Banking Sector

The largest volume of mortgage lending was registered in Tashkent, amounting to 5.592 trillion Uzbek sums. This is followed by the Andijan region with 1.591 trillion Uzbek sums and the Fergana region with 1.264 trillion Uzbek sums.

Among the banks leading in issuance volume, Halk Bank ranked first with 2.845 trillion Uzbek sums. Following them are Agrobank (2.771 trillion Uzbek sums), National Bank (2.212 trillion Uzbek sums), and Ipoteka-bank (2.167 trillion Uzbek sums).

It is also noted that over the past five years, the volume of issued mortgage loans has almost doubled: it grew from 9.8 trillion Uzbek sums in 2021 to 21.2 trillion Uzbek sums by the end of 2025.