Why is this important
The share of non-performing loans reflects the quality of bank portfolios and the stability of the financial system. Growth in NPLs directly affects banks’ liquidity and their ability to lend to the economy. The distribution of such loans across banks shows where the main risks are concentrated. For the regulator, this is a key indicator when making supervisory and policy decisions.
What happened
- The Central Bank published data on non-performing loans of commercial banks in Uzbekistan as of April 1, 2026.
- The statistics show the total volume of loans and the share of non-performing loans in the banking system.
- The main part of the loan portfolio is concentrated in banks with state participation.
- At the same time, the level of non-performing loans varies across individual banks.
Numbers and facts
- The total volume of loans in the banking system amounted to 623,286.1 billion soums, of which non-performing loans accounted for 19,861.3 billion soums, bringing the NPL share to about 3.19%.
- In banks with state participation, the loan portfolio reached 415,580.7 billion soums, while non-performing loans totaled 14,295.8 billion soums, corresponding to a share of about 3.44%.
- The largest volumes of non-performing loans were recorded at O‘zMilliyBank — 3,070 billion soums, Agrobank — 2,694 billion soums, and O‘zsanoatqurilishbank — 2,022 billion soums.
- Among banks with the lowest figures are Orient Finance Bank — 21 billion soums, Hamkorbank — 197 billion soums, and Ipak Yo‘li Bank — 205 billion soums.
- The list also includes Asaka Bank — 1,670 billion soums, Biznesni Rivojlantirish Banki — 1,100 billion soums, Mikrokreditbank — 1,003 billion soums, and Kapital Bank — 1,008 billion soums.
- Additionally: Xalq Banki — 1,026 billion soums, Aloqa Bank — 640 billion soums, Turon Bank — 522 billion soums, TBC Bank — 605 billion soums, Anor Bank — 498 billion soums, and Davr Bank — 279 billion soums.
Context
- For banks, this is a signal to strengthen control over the quality of loan portfolios and improve risk management.
- Businesses may face stricter lending conditions amid tighter oversight of NPLs.
- For the regulator, it is important to keep the indicator at a manageable level to avoid pressure on the system.
- Overall, the current level indicates moderate risks while maintaining sector stability.
