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Three state-linked lenders have channelled the overwhelming share of Uzbekistan’s family-support credit programme, with Narodny Bank, Agrobank and Microcreditbank together accounting for virtually all of the 316.9 billion soums disbursed under the scheme by 1 October 2026, according to figures released by the Central Bank of Uzbekistan.
Narodny Bank led the field by a wide margin, issuing loans worth 149.5 billion soums. Agrobank ranked second with 93.7 billion soums extended over the first nine months of the year. Microcreditbank placed third, having approved more than 3,800 individual loans totalling 73.7 billion soums. Across all participating institutions, the programme generated 16,300 loans in total.
Southern and eastern regions draw the most credit
Kashkadarya received the largest share of family-support funds among Uzbekistan’s regions, with banks directing more than 42.2 billion soums there. Fergana came second at 35.3 billion soums, followed by Surkhandarya at 31 billion soums. Samarkand region recorded 27.9 billion soums, Khorezm 25.2 billion soums and Tashkent region 24.1 billion soums. Andijan accounted for 23.4 billion soums.
The concentration of lending in Kashkadarya, Fergana and Surkhandarya — three of Uzbekistan’s most populous and agriculturally active provinces — reflects both the demographic weight of those regions and the programme’s stated focus on households outside the capital.
Broader lending picture
The family-support figures sit within a much larger credit expansion. Uzbekistan’s banks issued loans worth a combined 659.1 trillion soums in the nine months to 1 October 2026. Of that total, 73.2 trillion soums went to individual borrowers and 224.3 trillion soums to legal entities, with the remainder distributed across other categories.
Tashkent city dominated the geographic breakdown of overall lending, absorbing 297.5 trillion soums — nearly half the national total. Fergana region ranked second at 38.7 trillion soums, and Samarkand third at 34.5 trillion soums. The capital’s outsized share underscores the persistent concentration of corporate and commercial borrowing in Tashkent even as targeted social programmes push retail credit toward the provinces.