Tashkent, Uzbekistan (UzDaily.com) — The Central Bank of Uzbekistan has launched the experimental publication of data on average interest rates for various types of loans across commercial banks.

This initiative aims to enhance transparency in the financial market and provide citizens with better tools to compare and select the most favorable loan conditions.

According to the regulator, the availability of open information will make it easier for consumers to compare lending terms offered by different banks, reduce informational uncertainty, and foster a more competitive environment.

The data is compiled based on the State Credit Information Register of the Central Bank, and the mechanism is currently operating in test mode. It is planned to be gradually improved based on feedback and suggestions received.

As of July 1, 2025, the average interest rate for auto loans stood at 24.1%, while microloans carried an average rate of 34.9%. For individuals (excluding microloans), the rate averaged 23.7%, and for legal entities — 23%.

The most affordable auto loans are currently offered by Ipoteka Bank (21.1%), Orient Finans Bank (21.3%), and the National Bank (23.5%). On the higher end are Hamkorbank with 29%, as well as Madad Invest Bank and InfinBank, both at 28%.

In the microloan segment, the lowest rates were recorded at Aloqabank (21.4%), InfinBank (25.6%), and the National Bank (25.9%). The highest rates were observed at Apexbank (40%), TBC Bank (39.1%), and Tenge Bank (39%).