Tashkent, Uzbekistan (UzDaily.uz) — Deposits in Uzbekistan’s banks reached 482.7 trillion soums as of 1 August 2026, increasing by 33.9% year-on-year. The banking sector’s loan portfolio grew by 11.9% over the same period to 644.6 trillion soums, meaning deposits grew nearly three times faster than loans, the Central Bank of Uzbekistan said.
The ratio of loans to deposits in the banking system declined over the year from 159.9% to 133.6%. At banks with state ownership, the ratio fell from 211.5% to 170%, while at other banks it decreased from 105.1% to 95%.
Short-term deposits with maturities of up to one year recorded the fastest growth, rising by 45.8% to 175.7 trillion soums.
Demand deposits increased by 33% to 142 trillion soums, while long-term deposits with maturities of more than one year rose by 24% to 164.9 trillion soums. As a result, the share of short-term deposits in total deposits increased from 33.4% to 36.4%, while the share of long-term deposits declined from 36.9% to 34.2%. Demand deposits accounted for 29.4%.
Deposits held by legal entities amounted to 297.5 trillion soums, while deposits of individuals stood at 185.2 trillion soums.
Deposits denominated in the national currency increased by 42.6% to 390 trillion soums, while foreign-currency deposits grew by 6.6% to 92.7 trillion soums.
The largest deposit bases were held by UzNatsBank at 58.4 trillion soums, Kapitalbank at 48.9 trillion soums and Agrobank at 43 trillion soums.
Liquidity indicators for the banking sector improved over the year. High-quality liquid assets increased by 52.8% to 222.8 trillion soums, while their share of total assets rose from 17.8% to 22.7%.
The liquidity coverage ratio increased from 206% to 265.4%, while the net stable funding ratio rose from 117% to 133.1%. The minimum requirement for both ratios is 100%. The immediate liquidity ratio declined from 121.8% to 98.7%, against a minimum requirement of 25%.
The banking sector’s capital adequacy ratio increased from 17.5% to 18.4%, while Tier 1 capital adequacy rose from 14.6% to 15.4%.
Regulatory capital increased from 140.3 trillion to 168.3 trillion soums.
