The share of non-performing loans in Uzbekistan's banks stood at 3.8%
As of October 1, 2026, non-performing loans in Uzbekistan's banks totaled 25 trillion soums, with the highest NPL ratio recorded at Madad Invest Bank.
Share of non-performing loans in Uzbekistan's banks reaches 3.8%
As of October 1, 2026, the volume of non-performing loans (NPL) in Uzbekistan's commercial banks amounted to 25.04 trillion soums, which corresponds to 3.8% of the total loan portfolio of 659.1 trillion soums.
In state-owned banks, non-performing loans reached 16.9 trillion soums, or 3.98% of the portfolio. In other banks, NPL accounted for 8.1 trillion soums, or 3.47% of issued loans.
The largest volume of non-performing debt is concentrated in the largest state-owned banks. At Agrobank, it amounted to 3.18 trillion soums (3.3% of the portfolio), and at NBU (Uznatbank) — 3.11 trillion soums (3%).
In third place is Microcreditbank with 2.74 trillion soums, which represents 11.4% of its loans.
Next in terms of NPL volume are Uzpromstroybank (1.79 trillion soums, 3%), Asaka Bank (1.61 trillion, 4.1%), Xalq Bank (People's Bank) (1.59 trillion, 4.1%), and Business Development Bank (1.53 trillion soums, 5.8%).
At Ipoteka Bank, non-performing loans amounted to 1.24 trillion soums (3.3%), at Anorbank — 1.18 trillion (9%), and at Kapitalbank — 1.11 trillion soums (2.8%).
The highest share of non-performing loans was recorded at Madad Invest Bank: 254.8 billion soums out of 586.8 billion, or 43.4% of the portfolio.
A double-digit figure was also noted at Poytaxt Bank (13.8%), TBC Bank (13.4%), and Microcreditbank (11.4%). Around 9% of NPL belongs to Anorbank, 6.9% — to AVO Bank, and 6.1% — to Garant Bank.
UzKDB Bank and Octobank have no non-performing loans. NPL is less than 1% at Uzum Bank, Apex Bank, Open Bank, and Tayanch Microfin Bank.
Among large and medium-sized banks, the lowest level of non-performing debt is at Hamkorbank (1.5%), Ipak Yuli Bank (1.7%), and Invest Finance Bank (2.3%).
In the banks' income and expense report, the estimation of possible losses on loans and leasing as of October 1, 2026, amounted to 24.9 trillion soums compared to 18.6 trillion a year earlier, an increase of 34%.