Tashkent, Uzbekistan (UzDaily.uz) — As of 1 October 2026, Tashkent accounted for 297.5 trillion soums in bank loans, or 45.1% of the national total, and 383 trillion soums in deposits, representing 76.4% of all funds held by banks in Uzbekistan, according to the Central Bank of Uzbekistan.
The concentration of corporate funds in the capital is particularly high. Tashkent held 275.8 trillion soums in deposits from legal entities, accounting for 89.1% of the national total. Loans to businesses in the capital reached 224.3 trillion soums, while loans to individuals amounted to 73.2 trillion soums.
Tashkent remains the only region where deposits exceed loans. The capital’s loan-to-deposit ratio stands at 0.78.
The situation is reversed in the other 13 regions. Combined lending there totalled 361.6 trillion soums, while deposits amounted to 118.1 trillion soums, meaning loans were approximately three times higher than deposits.
The largest gap was recorded in Syrdarya Region, where loans were 9.1 times higher than deposits. The ratio stood at 5.4 in Jizzakh Region and 4.8 in Namangan Region.
Among the regions, Ferghana Region ranked first in lending volume, with 38.7 trillion soums. It was followed by Samarkand Region with 34.5 trillion soums, Tashkent Region with 31.4 trillion soums, Andijan Region with 31.2 trillion soums and Kashkadarya Region with 31 trillion soums.
The lowest lending volumes 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.
Samarkand Region led the regions in deposits, with 14.7 trillion soums. Bukhara Region followed with 13.9 trillion soums, while Khorezm Region held 13 trillion soums.
The smallest deposit volumes were recorded in Syrdarya Region, at 2.3 trillion soums, Jizzakh Region, at 3.9 trillion soums, and Namangan Region, at 5.2 trillion soums.
In six regions, loans to individuals exceeded lending to businesses: the Republic of Karakalpakstan, Andijan, Kashkadarya, Navoi, Samarkand and Surkhandarya regions. The largest difference was recorded in Navoi Region, where loans to individuals totalled 13.2 trillion soums, compared with 8.4 trillion soums in loans to legal entities.
Household deposits exceeded corporate deposits in 12 of the country’s 14 regions, with Tashkent and Andijan Region being the exceptions. In Bukhara Region, individuals held 11.6 trillion soums in bank deposits, while in Khorezm Region the figure was 11.4 trillion soums.
