17.09.2025
Remote Audit of Non-Performing Loans of Commercial Banks
The Chamber of Accounts (COA) conducted a remote audit of commercial banks' efforts to reduce non-performing loan debt (NPL).

For reference: As of August 1, 2025, commercial bank assets totaled 852.4 trillion soums, of which 553.1 trillion soums (65%) were held by 9 state-owned banks and 299.2 trillion soums (35%) by other banks. The commercial bank loan portfolio totaled 576.2 trillion soums, of which 392.5 trillion soums (68%) were held by state-owned banks. Over the first seven months of this year, bank assets increased by 83.1 trillion soums (+10.8%), and the loan portfolio by 43.1 trillion soums (+8%).
During the audit, were identified shortcomings in the banks' efforts to collect problem loans. For example:
– The volume of problem loans increased in the first seven months of this year at state-owned banks: Uzsanoatskurilishbank, Mikrokreditbank, Milliybank, Alokabank, and Asakabank;
– As this August 1, the largest share of problem loans in the loan portfolio of state-owned banks was: 6.5% at Mikrokreditbank, 6.1% at Business Development Bank, and 4.8% at Asakabank;
– Some problem loans were reduced by transferring them to off-balance sheet accounts using bank funds without repayment;
– As of this August, 6 state-owned commercial banks had not created sufficient reserves to cover potential loan losses;
– Conflicts of interest were identified in loans granted to bank employees and related parties, resulting in overdue debt;
– Despite the borrower's employment and source of income, collection efforts for problematic and off-balance sheet debt were inadequate.
Following the audit, the COA issued recommendations for further improving the banks' performance in reducing problematic debt.



More news
![[object Object]](https://back.ach.gov.uz/media/view/file_5968d0bda533283d4c577372.jpg)
President Shavkat Mirziyoyev: 2026 to become fundamental in developing all spheres
2698
25.12.2025
![[object Object]](https://back.ach.gov.uz/media/view/file_af47320b0a0a27b80d826ef9.jpg)
Current activities of “Situation Centre” under Ministry of Culture
953
03.08.2025
Delegation of the Supreme Audit Chamber of the Republic of Kazakhstan Visits the Chamber of Accounts
36
04.03.2026
![[object Object]](https://back.ach.gov.uz/media/view/file_b802463fa079e7fe3e4fc61c.jpg)
Foundations of the Organization of Supreme Audit Institutions of Turkic-speaking States (TURKSAI)
1277
23.11.2025
![[object Object]](https://back.ach.gov.uz/media/view/file_6fce33862eb98f56d2363cab.jpg)
The COA took part in the meeting of Heads of the SAIs of the SCO member states
900
14.04.2025