Uzbekistan Sets New Bank Capital Requirements

Tashkent, Uzbekistan (UzDaily.com) — Uzbekistan has introduced new requirements for bank capital adequacy. The resolution “On Bank Capital Adequacy Requirements” was registered with the Ministry of Justice under number 3697 on 28 October 2025.

The regulation applies to all banks, including microfinance organizations, and establishes mandatory standards for capital formation.

For banks operating for less than three years, Tier 1 capital must not be less than 70 percent of the minimum authorized capital.

Tier 1 capital includes additional paid-in capital — the amount paid over the nominal value when issuing common shares — as well as retained earnings, uncovered losses from previous years, and losses for the current year.

The resolution also clarifies the methodology for calculating credit risks, which are assessed both on bank assets and off-balance-sheet accounts, including derivative financial instruments.

The new rules are aimed at strengthening the financial stability of the banking system and enhancing the protection of depositors’ interests.