Today, on August 7, Mikrokreditbank held a regular press conference at the National Press Center on the topic "Accelerating reforms of the banking system and increasing the volume of the services market."
The event was attended by Deputy Chairman of the Board of the bank Ikram Djumaniyazov, directors of relevant departments, as well as media representatives, journalists, and bloggers.
It is noted that by the end of 2025, bank assets increased by 30.6% to 30.7 trillion soums, the loan portfolio increased by 16.7% to 20.3 trillion soums, capital increased by 60.6% to 5.7 trillion soums, and deposits increased by 24.4% to 9.7 trillion soums. Additionally, $263 million in foreign credit lines were attracted.
In the first half of 2026, a total of 6.8 trillion soums in bank loans were allocated. In particular, 5.3 trillion soums were allocated to support small and medium-sized businesses, of which:
303 billion soums within the framework of supporting small business entities;
1.1 trillion soums under the family entrepreneurship program;
321.1 billion soums within the framework of the "first step into business";
902.6 billion soums under the "My Mahalla" program;
2.8 trillion soums within the framework of the investment program;
338.7 billion soums were allocated for large projects (with a turnover of more than 100 billion soums).
As a result, through bank loans, more than 51 projects were launched in the first half of the year, and about 100,000 new jobs were created. Of these, 14 thousand people were employed permanently, and about 86 thousand people were involved in entrepreneurship.
In the mahallas assigned to Microcreditbank, mahalla bankers and auxiliary agents opened 6,800 plastic cards in January-June, attracted 37.2 billion soums in deposits from 333 residents, and assisted 7,133 residents in allocating 335.4 billion soums in loans.
During the event, it was also noted that due to the processes of bank transformation, correspondent accounts were opened in large and prestigious banks around the world, including BNY Mellon (USA), Aktif Bank (Turkey), ODDO BHF (Germany), Xinjiang (China) and Bank of China.
Furthermore, international agencies continue to give high marks to the bank's stability. In particular, Fitch Ratings successfully raised the bank's rating from BB-"Positive" to BB-"Positive." At the same time, the bank maintains a stable Moody's rating of Va3 "Positive."
Bank programmers have also developed an artificial intelligence platform that generates a ready-made business plan. The main goal of this platform is to analyze the economic potential of districts and mahallas, identify priority business areas, and provide users with practical recommendations using artificial intelligence.
On the implementation of the CRM system and credit conveyor
The CRM system has been further improved to provide prompt service for individuals. As a result, in 2025, 60,098 clients were allocated loans totaling 2,137 billion soums through a fully automated system.
Retail services for the population
Today, the bank has launched the allocation of mortgage loans starting from 21.55 percent for the purchase of housing on the secondary market. This is one of the lowest interest rates offered by commercial banks for the secondary market. Also, the interest rate on mortgage loans for the purchase of housing in the primary market has been reduced to 17 percent.
Within the framework of the "Premium Car Loan" product for the purchase of cars, 2 billion UZS will be allocated for the purchase of Mercedes-Benz, BMW, Toyota, Nissan, Porsche, and other premium cars. Auto loans of up to 60 million soums have been allocated. Auto loans starting from 0 percent are also offered for KIA, Chery, Haval, Changan, and a number of UzAuto Motors vehicles.
About projects in the bank's strategy
The main goal of Microcreditbank's development over the next 3 years (2026-2028) is to transform from a traditional banking system into a fully digital, customer-oriented, and financially highly stable ecosystem. To this end, the implementation of 38 major transformation projects has begun within the framework of the strategy.
Including:
The first is a project to introduce Islamic financing services, which are in great demand in the market today. The project will be fully implemented in stages by the end of 2027.
The second strategic project is "Junior Banking," a digital banking system for children and adolescents designed for the future generation. This project is a mechanism for creating the bank's future customer base.
Application of "AI Scoring" practice in lending
In its strategy, the bank plans to implement a scoring system based on artificial intelligence into lending processes. This solution makes it possible to more accurately assess the creditworthiness of clients, increase the speed of decision-making, reduce errors related to the human factor, and effectively manage credit risks.
On the integration of Face ID technology
The project of the Face ID system is aimed at rapid identification of clients visiting the bank, improving the quality of service by processing information about them, and ensuring a high level of security during banking operations.
During the press conference, bank officials provided detailed answers to questions from media representatives.
Bank Information Service
See also
MKBANK rahbariyati “Dolzarb 40 kunlik” doirasida mahallalarni o‘rgandi
Aniqlangan masalalarni hal etishda bankning hududiy bo‘linmalari hamda “mahalla yettiligi” bilan hamkorlikni yanada kuchaytirish bo‘yicha tegishli vazifalar belgilandi.
“MUSTAQILLIK VA MEN” — RASMLAR TANLOVIGA MARHAMAT!
Tanlovda 6–11 yoshdagi bank xodimlarining farzandlari ishtirok etishi mumkin.
