The outstanding balance of loans issued by banks to individuals in Uzbekistan exceeded UZS 243.6 trillion ($20.5bn) as of September 1, 2026, up 10.6% from the beginning of the year, according to the Central Bank.
Household loan balances stood at UZS 220.3 trillion ($18.5bn) at the start of 2026, increasing by UZS 23.3 trillion ($2bn) over eight months.
Mortgage loans accounted for the largest share of outstanding household debt, reaching UZS 89.7 trillion ($7.5bn), an increase of 12.9% since the beginning of the year.
Microloans totalled UZS 51.3 trillion ($4.3bn), up 5%, while another loan category listed in the Central Bank's statistics reached UZS 48.2 trillion ($4.1bn), an increase of 19.1%. Car loans amounted to UZS 41 trillion ($3.4bn), rising by 3.2%.
Outstanding educational loans declined by 1.1% to UZS 6.85 trillion ($575.6mn). Consumer loans totalled UZS 502bn ($42.2mn), up 2.1%, while other loans, including credit cards and overdrafts, increased by 38.1% to UZS 6.1 trillion ($512.6mn).
State-owned banks accounted for UZS 130.8 trillion ($11bn) of outstanding household loans, compared with UZS 112.8 trillion ($9.5bn) at private banks.
Among state-owned lenders, Xalq Bank had UZS 26.1 trillion ($2.2bn) in outstanding loans to individuals, followed by NBU with UZS 24 trillion ($2bn) and Agrobank with UZS 22.5 trillion ($1.9bn). Among private lenders, Ipoteka Bank recorded the largest balance, at UZS 30.3 trillion ($2.5bn).
Previously, it was reported that 29% of people who borrowed from banks in Uzbekistan had more than one loan, with borrowers holding an average of 1.7 loans each. The report also found that 20% of the adult population had an active bank loan account, while another 7% had an active loan account with a regulated microfinance organization.