Tashkent, Uzbekistan (UzDaily.com) — As of July 2025, the loan portfolio of Uzbekistan’s banking sector increased by 0.1%, exceeding 576.2 trillion soums ($45.4 billion), while the share of non-performing loans (NPLs) in the sector rose from 3.8% to 3.9%.

In state-owned banks, the NPL ratio increased from 3.8% to 4.0%, whereas in private banks, the share of problem loans declined from 3.9% to 3.8%. Among banks with the largest reductions in NPLs were Garant Bank (from 16.7% to 14.7%), Saderat Bank (from 6.3% to 4.3%), AVO Bank (from 11.1% to 9.8%), and Madad Invest Bank (from 5.5% to 4.6%).

Banks that experienced an increase in the share of problem loans included Poytakht Bank (from 3.2% to 5.7%), Yangi Bank (from 8.3% to 9.8%), Tenge Bank (from 2.5% to 3.6%), Hayot Bank (from 0.9% to 1.7%), and Uznatsbank (from 2.9% to 3.6%). NPL growth was also observed in TBC Bank, Microcredit Bank, Anor Bank, Asaka Bank, and Davr Bank.