Tashkent, Uzbekistan (UzDaily.uz) — Uzbekistan’s commercial bank loan portfolio reached 648.9 trillion soums as of 1 September 2026, increasing by 11.7%, or 67.9 trillion soums, year on year, according to the Central Bank of the Republic of Uzbekistan.
Loans to individuals rose by 18.6% to 243.6 trillion soums, increasing their share of the total portfolio to 37.5%.
Lending to industry declined by 10.9% over the year to 132.4 trillion soums, with its share of the portfolio falling from 25.6% to 20.4%. Loans to agriculture increased by 14.6% to 66.7 trillion soums, while lending to trade and public catering services rose by 23.5% to 51 trillion soums. Loans to the construction sector grew by 35.5% to 22.5 trillion soums. Lending to transport and communications decreased by 2.4% to 32.9 trillion soums.
Since the beginning of 2026, the total loan portfolio has expanded by 7.4%. Mortgage lending increased by 12.9% over this period to 89.7 trillion soums, while microloans to individuals rose by 19.1% to 48.2 trillion soums.
Microloans increased by 5% to 51.3 trillion soums, and car loans grew by 3.2% to 41 trillion soums. Credit card and overdraft balances rose by 38.1% to 6.1 trillion soums, while education loans declined by 1.1% to 6.9 trillion soums. Loans to legal entities increased by 5.6% since the start of the year to 405.3 trillion soums.
Foreign-currency loans totalled 248.1 trillion soums, with their share of the overall portfolio decreasing from 40.3% to 38.2%. Long-term loans accounted for 571.8 trillion soums, or 88.1% of the total.
The loan portfolio of banks with state ownership grew by 6.7% to 421.5 trillion soums, while that of other banks increased by 22.2% to 227.5 trillion soums.
The National Bank of Uzbekistan had the largest loan portfolio, at 104 trillion soums, followed by Agrobank with 94.7 trillion soums and Uzpromstroybank with 59.1 trillion soums.
Tashkent accounted for 293.7 trillion soums in loans, representing 45.3% of the national portfolio. Among the regions, Ferghana Region recorded the largest volume of lending, at 38 trillion soums, followed by Samarkand Region with 33.8 trillion soums.
Non-performing loans totalled 24 trillion soums as of 1 September 2026, equivalent to 3.7% of the overall loan portfolio. The ratio stood at 3.9% for banks with state ownership and 3.3% for other banks.
