Problem Loans in Uzbek Banks Exceed 25 Trillion Soms
As of October 1, 2026, the volume of non-performing loans (NPL) in the banking sector amounted to 3.8% of the total credit portfolio
The total volume of loans issued by banks reached 659.09 trillion soms. Meanwhile, the quality of the portfolio traditionally varies depending on the form of ownership of financial institutions.
State-owned banks: the credit portfolio amounted to 425.82 trillion soms. Problem loans accounted for 16.94 trillion soms, with the average NPL share reaching 4%.
Other banks (private and with foreign capital): the total portfolio is 233.27 trillion soms, with NPL volume at 8.1 trillion soms, or 3.5%.
Madad Invest Bank holds the anti-record for the proportion of problem debts: with a portfolio of 587 billion soms, NPLs account for 43.4% (255 billion soms).
Banks with a high share of overdue debt also include: Poytaxt Bank — 13.8% (103 billion soms); TBC Bank — 13.4% (1.04 trillion soms); Mikrokreditbank (leader in NPL among state-owned banks) — 11.4% (2.74 trillion soms with a portfolio of 24.04 trillion); Anorbank — 9%; AVO Bank — 6.9%; Garant Bank — 6.1%; Business Development Bank — 5.8%.
Among the largest state-owned banks, Asakabank and Xalq Bank have an NPL share of 4.1% each.
The leaders in the volume of loans issued in the country remain UzNatsBank (NBU) with a portfolio of 104.08 trillion soms and Agrobank with 95.89 trillion soms. They are followed by Uzsanoatqurilishbank (59.32 trillion), Kapitalbank (39.89 trillion), and Asakabank (39.31 trillion soms).
Due to the scale of their business, UzNatsBank and Agrobank also top the list in absolute volume of problem debts — 3.11 trillion and 3.18 trillion soms, respectively.
According to the regulator's statistics, problem loans are completely absent (0% NPL) in three financial institutions: KDB Bank Uzbekistan (portfolio of 4.04 trillion soms), Octobank (833 billion), and Uzum Bank (450 billion soms).
