Tashkent, Uzbekistan (UzDaily.uz) — Uzbekistan’s banking system had a total loan portfolio of 659.1 trillion soums as of 1 October 2026, while deposits stood at 501 trillion soums.
Regions outside Tashkent accounted for 361.6 trillion soums, or 54.9%, of the total loan portfolio, according to the Central Bank of Uzbekistan.
Loans to individuals accounted for a significant share of regional lending. Nationwide, outstanding loans to individuals totalled 248.4 trillion soums, of which 175.1 trillion soums, or 70.5%, were concentrated in regions outside the capital. Loans to legal entities amounted to 410.7 trillion soums.
Fergana Region had the largest regional loan portfolio, at 38.7 trillion soums. It was followed by Samarkand Region at 34.5 trillion soums, Tashkent Region at 31.4 trillion soums, Andijan Region at 31.2 trillion soums and Kashkadarya Region at 31 trillion soums. Together, these five regions accounted for nearly 46% of the loan portfolio outside the capital.
The smallest loan portfolios were recorded in Jizzakh Region, at 21.2 trillion soums; Syrdarya Region, at 21.3 trillion soums; and Navoi Region, at 21.6 trillion soums. In Karakalpakstan, the loan portfolio stood at 22.6 trillion soums.
Among the regions, Samarkand had the largest volume of loans to individuals, at 18.4 trillion soums. The figure was 17.8 trillion soums in Fergana, 16.6 trillion soums in Andijan and 16.2 trillion soums in Kashkadarya. Syrdarya had the smallest volume, at 5.8 trillion soums.
In Tashkent, the loan portfolio totalled 297.5 trillion soums, including 224.3 trillion soums in loans to legal entities and 73.2 trillion soums in loans to individuals.
Deposits in regions outside Tashkent amounted to 118.1 trillion soums. Individuals accounted for 84.5 trillion soums, or 71.6%, of that total. The Central Bank noted that household savings play an important role in building the deposit base in the regions.
Samarkand Region had the largest deposit balance among the regions, at 14.7 trillion soums, followed by Bukhara Region at 13.9 trillion soums and Khorezm Region at 13 trillion soums. In Bukhara and Khorezm, household deposits accounted for more than 80% of the total. The smallest deposit balances were recorded in Syrdarya Region, at 2.3 trillion soums, and Jizzakh Region, at 3.9 trillion soums.
Most deposits were concentrated in Tashkent, where the total reached 383 trillion soums. Of this amount, 275.8 trillion soums belonged to legal entities and 107.1 trillion soums to individuals. Nationwide, deposits held by individuals totalled 191.6 trillion soums, while deposits from legal entities amounted to 309.4 trillion soums.
According to the Central Bank, the regional figures show that a substantial share of Uzbekistan’s bank lending takes place outside the capital, with loans to individuals and household deposits forming important components of regional banking activity.
