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Work Results of JSC "NBU" on the First Quarter of 2020

03.04.2020 2247

As of 1 January 2020, the Bank’s assets made UZS 66,6 trillion. The Bank’s loan portfolio amounted to UZS 55,0 trillion. The Bank’s capital adequacy level was 31,5% (minimum requirement set up by the Central Bank of the Republic of Uzbekistan is 13%).

During the first quarter of 2020, the world economy has been already depressed due to the COVID-19 coronavirus pandemic, which led to significant fluctuations in world currencies, instability in international stock and commodity markets.

Despite all the fluctuations in the global economy, as of April 1, 2020 the Bank's total assets amounted to UZS 69,8 trillion, compared with the beginning of the year, this amount increased by UZS 3,2 trillion. or 105%. The Bank's loan portfolio was registered in the amount of UZS 56,2 trillion, compared with the beginning of the year, this amount increased by UZS 1,3 trillion or 103%. At the same time, the Bank's capital adequacy level amounted to 31%.

According to the Decree of the President of the Republic of Uzbekistan No. PF-5969 dated March 19, 2020 on Priority Measures to Mitigate the Negative Impact of the Coronavirus Pandemic on the Economy and Global Crisis Phenomena and instructions of the Central Bank of the Republic of Uzbekistan, as well as to support enterprises of various sectors of the economy during the crisis, the Bank made a decision to prolong the terms of loans totaling UZS 2.8 trillion (which makes 4% of all bank assets) for a period of 6 months.

The repayment terms for all loans granted by the bank to individuals were prolonged for the quarantine period and no additional documents are required to be submitted in this case. So, no fines for late payment of interest will be collected.

Additionally, JSC "National Bank of Uzbekistan" conducted stress-testing in several scenarios for the development of global crisis associated with COVID-19 Coronavirus Pandemic, the forecast for deposits decrease, the growth of distressed assets.

The test results for all scenarios confirm that the bank's indicators comply with the requirements of banking regulator (Central Bank of the Republic of Uzbekistan), so the bank has enough liquid funds to timely fulfill its obligations to depositors and foreign creditors in full.



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Latest site update date: 06/14/2024 09:43:00 am

License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.

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