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
Seminar on improving the efficiency of Situation centres
2884
28.08.2025
![[object Object]](https://back.ach.gov.uz/media/view/file_21b102bf268798ed41c5cdfb.jpg)
President’s Congratulations to the people of Uzbekistan on Ramadan
357
17.02.2026
![[object Object]](https://back.ach.gov.uz/media/view/3b8500b8-2324-1f8c-9477-f91fd4905391.jpg)
Presentation on executive discipline
961
17.01.2025
![[object Object]](https://back.ach.gov.uz/media/view/file_4a97b8c7aa2570bf83ff5c4a.jpg)
Shavkat Mirziyoyev: Every success of our youth increases our strength
2140
29.06.2025
![[object Object]](https://back.ach.gov.uz/media/view/file_917e73b3b80a3f68bc1183f9.jpg)
COA strengthens cooperation with the INTOSAI Development Initiative
2007
28.09.2025