3.57% of the loan book across the system — under the 5% line, though seven individual banks are above it.
Under 5% is the conventional line for a low level of bad debt, 5-10% is the band usually described as elevated, and above 10% is high. That is the scale, published so you can see exactly what a comparison is claiming; it is not a rating of any bank, and a high figure often reflects what a bank lends against rather than how it is run — consumer lenders sit higher than corporate ones almost everywhere. (Central Bank of Uzbekistan, 1 July 2026 ↗)
Each bank publishes its own figure and the Central Bank collects them quarterly, so this is one of the few places where you can compare Uzbek banks on a like-for-like number. (Central Bank of Uzbekistan, 1 July 2026 ↗)
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Part of the answer bank — 195 questions, each cited to the article it rests on.