Large MFIs in Uzbekistan account for 99 percent of the sector's assets
As of October 1, 2026, 142 MFOs operated in Uzbekistan. Nearly 99 percent of the sector's assets of 21.75 trillion soums belonged to large organizations.
Large MFIs in Uzbekistan account for 99 percent of the sector's assets
As of October 1, 2026, 142 microfinance institutions (MFIs) operated in Uzbekistan with total assets of 21.75 trillion soums. Nearly 99 percent of these funds belong to 86 large market participants, each holding assets of more than 10 billion soums. This was reported by the Central Bank of Uzbekistan.
The assets of the large organizations amounted to 21.54 trillion soums. The remaining 56 MFIs have total assets of slightly over 216 billion soums. 39 organizations with assets up to 5 billion soums hold 96.5 billion soums, while another 17 organizations with assets ranging from 5 billion to 10 billion soums hold 119.6 billion soums.
A similar situation is observed in the lending sector. Out of the 19.47 trillion soums issued in the form of loans and microleasing, 19.35 trillion soums belong to large MFIs. The loan portfolio of organizations with assets up to 5 billion soums amounts to 49.2 billion soums, while that of organizations in the medium group stands at 74.9 billion soums.
The total capital of the microfinance sector reached 4.49 trillion soums, of which 4.33 trillion soums belongs to large organizations. Their charter capital amounts to 2.03 trillion soums, while the overall figure for the sector is 2.18 trillion soums. The capital of small MFIs equals 80.4 billion soums, and that of organizations in the medium group stands at 74.1 billion soums.
Liabilities are also mainly concentrated in large companies. Out of the sector's total liabilities of 17.27 trillion soums, 17.20 trillion soums belong to 86 large organizations. The loans, borrowings, and leasing funds they attracted accounted for 13.67 trillion soums of the total market indicator of 13.72 trillion soums. The liabilities of small MFIs do not exceed 16.1 billion soums, and those of organizations in the medium group do not exceed 45.5 billion soums.
According to the Central Bank's assessment, despite a relatively large number of market participants, the main volume of financial activity is concentrated in organizations with assets exceeding 10 billion soums. The regulator noted that this data reflects both the scale and the structure of the microfinance services market.