Central Bank says Uzbekistan's banks maintained strong financial stability in 2025

The regulator said financial stress across the banking system fell to a historic low, indicating reduced pressure on the sector as well as adequate levels of capital and liquidity.

According to the report, the total regulatory capital adequacy ratio stood at 18.3%, while the Tier 1 capital adequacy ratio reached 14.7%. The liquidity coverage ratio (LCR) was 208%, and the net stable funding ratio (NSFR) stood at 120%.

The share of non-performing loans in the banking sector remained at 3%. Return on assets (ROA) reached 2.2%, while return on equity (ROE) stood at 12.4%.

The Central Bank said these indicators show that commercial banks have sufficient capital buffers to absorb unexpected losses, can withstand short-term liquidity outflows, and continue operating on the basis of stable funding sources.

At the same time, the regulator noted that the growing share of retail lending, the quality of microloans, and exchange rate volatility remain key risks requiring continuous monitoring.