{"id":11684,"date":"2025-10-24T07:33:54","date_gmt":"2025-10-24T02:33:54","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/"},"modified":"2025-10-24T07:33:54","modified_gmt":"2025-10-24T02:33:54","slug":"garant-bank-leads-in-problem-loans-with-a-share-of-9-9","status":"publish","type":"post","link":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/","title":{"rendered":"Garant bank leads in problem loans with a share of 9.9%"},"content":{"rendered":"

Why is this important<\/strong><\/p>\n

A high proportion of problem loans indicates a weak quality of the loan portfolio and risks to the financial stability of banks. The average NPL level for the system is 3.7%, while for state-owned banks, it is 3.7%, making the anti-rating leaders’ indicators critically high. <\/p>\n

Top 10 Banks with Worst NPL Performance<\/strong><\/p>\n

    \n
  1. Garant bank<\/strong> \u2014 9,9%<\/li>\n
  2. AVO Bank<\/strong> \u2014 8,8%<\/li>\n
  3. Yangi bank<\/strong> \u2014 7,4%<\/li>\n
  4. Ipoteka bank \u2014 6,3%<\/li>\n
  5. Biznesni rivojlantirish banki \u2014 5,9%<\/li>\n
  6. Poytaxt bank \u2014 5,6%<\/li>\n
  7. Mikrokreditbank<\/strong> \u2014 4,9%<\/li>\n
  8. Asaka bank\u2014 4,7%<\/li>\n
  9. TBC bank<\/strong> \u2014 4,5%<\/li>\n
  10. Kapital bank<\/strong> \u2014 4,4%<\/li>\n<\/ol>\n

    System context<\/strong><\/p>\n

    The total loan portfolio of the banking system amounted to 582.2 trillion soums, of which 21.3 trillion (3.7%) were non-performing loans. State-owned banks also hold a 3.7% NPL share (14.6 trillion out of a 394.9 trillion portfolio). <\/p>\n

    Top scores:<\/strong><\/p>\n

      \n
    • UzKDB Bank, Octobank, Uzum bank \u2014 0,0%<\/li>\n
    • Apex bank \u2014 0,1%<\/li>\n
    • Madad Invest bank, Open bank \u2014 0,3%<\/li>\n<\/ul>\n

      What does this mean<\/strong><\/p>\n

      Garant bank’s high NPL (almost 10%) is an alarm signal that requires increased reserves and possibly additional capitalization. AVO Bank and Yangi bank are also in the risk zone with indicators above 7%. <\/p>\n

      Mortgage Bank with 6.3% NPL is experiencing problems. Business Development Banks with 5.9% NPL may face difficulties due to working with the risky segment of SMEs. <\/p>\n

      The largest banks – the National Bank (3.3%), Agrobank (3.4%), Uzsanoatqurilishbank (3.4%) \u2014 have significantly lower indicators, indicating a more conservative lending policy.<\/p>\n","protected":false},"excerpt":{"rendered":"

      According to data as of October 1, the worst quality of the loan portfolio was recorded at Garant bank. The top 10 banks with high NPL also included AVO Bank, Yangi bank, and Ipoteka Bank. <\/p>\n","protected":false},"author":4,"featured_media":11611,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68fb7394d0ef5.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11611,"YlB8HH34jIzY":"Garant bank leads in problem loans with a share of 9.9%"},"pin_until":"","footnotes":""},"categories":[2061],"tags":[2212,2079,2960,2961,2290],"class_list":["post-11684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","tag-banks","tag-finance","tag-npl-en","tag-problem-loans","tag-rating"],"yoast_head":"\nGarant bank leads in problem loans with a share of 9.9% — Frank.uz<\/title>\n<meta name=\"description\" content=\"According to data as of October 1, the worst quality of the loan portfolio was recorded at Garant bank. The top 10 banks with high NPL also included AVO Bank, Yangi bank, and Ipoteka Bank.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Garant bank leads in problem loans with a share of 9.9%\" \/>\n<meta property=\"og:description\" content=\"According to data as of October 1, the worst quality of the loan portfolio was recorded at Garant bank. The top 10 banks with high NPL also included AVO Bank, Yangi bank, and Ipoteka Bank.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/\" \/>\n<meta property=\"og:site_name\" content=\"Frank.uz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FrankUzbekistan\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-24T02:33:54+00:00\" \/>\n<meta name=\"author\" content=\"Azamat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:site\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Azamat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/\",\"url\":\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/\",\"name\":\"Garant bank leads in problem loans with a share of 9.9% — Frank.uz\",\"isPartOf\":{\"@id\":\"https:\/\/frank.uz\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/13_12_2024_01_49_47_photo_2024-12-13_18-49-35.jpg\",\"datePublished\":\"2025-10-24T02:33:54+00:00\",\"author\":{\"@id\":\"https:\/\/frank.uz\/en\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\"},\"description\":\"According to data as of October 1, the worst quality of the loan portfolio was recorded at Garant bank. The top 10 banks with high NPL also included AVO Bank, Yangi bank, and Ipoteka Bank.\",\"breadcrumb\":{\"@id\":\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#primaryimage\",\"url\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/13_12_2024_01_49_47_photo_2024-12-13_18-49-35.jpg\",\"contentUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/13_12_2024_01_49_47_photo_2024-12-13_18-49-35.jpg\",\"width\":1200,\"height\":800,\"caption\":\"Garant bank\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/frank.uz\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Garant bank leads in problem loans with a share of 9.9%\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/frank.uz\/en\/#website\",\"url\":\"https:\/\/frank.uz\/en\/\",\"name\":\"Frank.uz\",\"description\":\"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.\",\"alternateName\":\"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/frank.uz\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/frank.uz\/en\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\",\"name\":\"Azamat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/frank.uz\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"caption\":\"Azamat\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Garant bank leads in problem loans with a share of 9.9% — Frank.uz","description":"According to data as of October 1, the worst quality of the loan portfolio was recorded at Garant bank. The top 10 banks with high NPL also included AVO Bank, Yangi bank, and Ipoteka Bank.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/","og_locale":"en_US","og_type":"article","og_title":"Garant bank leads in problem loans with a share of 9.9%","og_description":"According to data as of October 1, the worst quality of the loan portfolio was recorded at Garant bank. The top 10 banks with high NPL also included AVO Bank, Yangi bank, and Ipoteka Bank.","og_url":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/","og_site_name":"Frank.uz","article_publisher":"https:\/\/www.facebook.com\/FrankUzbekistan","article_published_time":"2025-10-24T02:33:54+00:00","author":"Azamat","twitter_card":"summary_large_image","twitter_creator":"@frank_uzb","twitter_site":"@frank_uzb","twitter_misc":{"Written by":"Azamat","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/","url":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/","name":"Garant bank leads in problem loans with a share of 9.9% — Frank.uz","isPartOf":{"@id":"https:\/\/frank.uz\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#primaryimage"},"image":{"@id":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#primaryimage"},"thumbnailUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/13_12_2024_01_49_47_photo_2024-12-13_18-49-35.jpg","datePublished":"2025-10-24T02:33:54+00:00","author":{"@id":"https:\/\/frank.uz\/en\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67"},"description":"According to data as of October 1, the worst quality of the loan portfolio was recorded at Garant bank. The top 10 banks with high NPL also included AVO Bank, Yangi bank, and Ipoteka Bank.","breadcrumb":{"@id":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#primaryimage","url":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/13_12_2024_01_49_47_photo_2024-12-13_18-49-35.jpg","contentUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/13_12_2024_01_49_47_photo_2024-12-13_18-49-35.jpg","width":1200,"height":800,"caption":"Garant bank"},{"@type":"BreadcrumbList","@id":"https:\/\/frank.uz\/en\/news-en\/garant-bank-leads-in-problem-loans-with-a-share-of-9-9\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/frank.uz\/en\/"},{"@type":"ListItem","position":2,"name":"Garant bank leads in problem loans with a share of 9.9%"}]},{"@type":"WebSite","@id":"https:\/\/frank.uz\/en\/#website","url":"https:\/\/frank.uz\/en\/","name":"Frank.uz","description":"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.","alternateName":"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/frank.uz\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/frank.uz\/en\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67","name":"Azamat","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/frank.uz\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","caption":"Azamat"}}]}},"_links":{"self":[{"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/posts\/11684","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/comments?post=11684"}],"version-history":[{"count":0,"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/posts\/11684\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/media\/11611"}],"wp:attachment":[{"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/media?parent=11684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/categories?post=11684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/frank.uz\/en\/wp-json\/wp\/v2\/tags?post=11684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}