Tashkent, Uzbekistan (UzDaily.uz) — The combined capital of Uzbekistan's commercial banks reached 152.9 trillion soums as of 1 October 2026, an increase of 17.3% year on year, according to the Central Bank of Uzbekistan. A year earlier, the figure stood at 130.4 trillion soums.
Regulatory capital in the banking sector rose by 17.6% to 169.4 trillion soums. As assets grew at a comparable pace, the capital adequacy ratio remained virtually unchanged at 18.18%, compared with 18.19% a year earlier.
Tier 1 capital adequacy indicators edged down. The Tier 1 capital adequacy ratio stood at 14.99%, compared with 15.06%, while the Common Equity Tier 1 ratio fell to 14.61% from 15.02%.
Tier 1 capital increased by 17.6% to 140.3 trillion soums, accounting for 82.8% of regulatory capital. Common Equity Tier 1 capital rose by 14.4% to 136.2 trillion soums. Additional Tier 1 capital increased nearly elevenfold, from 0.38 trillion to 4.1 trillion soums.
Tier 2 capital grew by 20% to 29.7 trillion soums.
Profit was the main source of growth in banks' own funds. Retained earnings increased by 55.4% year on year to 34.6 trillion soums, while their share of banks' total capital rose from 17.1% to 22.6%.
Share capital increased by 9.6% to 101.2 trillion soums, while reserve capital rose by 10.6% to 15.9 trillion soums.
Four banks had capital exceeding 10 trillion soums: the National Bank of Uzbekistan, with 21.2 trillion soums; Agrobank, with 13.9 trillion soums; Uzpromstroybank, with 13.1 trillion soums; and People's Bank, with 11.5 trillion soums. Together, they accounted for 39% of the banking system's total capital, down from 42% a year earlier.
Seven banks had capital ranging from 5 trillion to 10 trillion soums, accounting for 33.8% of the total. Another eight banks held between 2 trillion and 5 trillion soums, representing 18%.
Five banks had capital of between 1 trillion and 2 trillion soums, while ten held between 500 billion and 1 trillion soums. Only one bank had capital below 500 billion soums, compared with four a year earlier.
Smaller banks had the highest capital buffers. The capital adequacy ratio stood at 27.2% among six banks with assets of up to 3 trillion soums and at 20.8% among six banks with assets ranging from 3 trillion to 10 trillion soums.
Among the 12 largest banks, each with assets exceeding 30 trillion soums, the ratio stood at 17.6%.
