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Securities

Even during the current global economic crisis, banks of Uzbekistan are improving their banking services and are actively working on restructuring assets being focused on various types of banking operations related to the support of real economy enterprises. Currently, commercial banks are focused on mitigation of risks while obtaining a stable/high income from their active operations. The domestic stock market is one of the priority areas in the development of the modern financial market.

Banks can actively participate in the stock market because there are all favorable conditions for the banks in the securities market. For example, legislative and regulatory acts regulating the work of banks do not contain restrictions on any functions in the securities market: issuers, investors, investment institutions. Financial solvency of banks and high profitability from banking operations gives the banks opportunity to divert significant resources to operations with securities. Reducing profit from traditional banking operations forces banks to work more actively with other alternative sources of income. Having extensive database about the financial and economic activities of clients, banks act not only as large issuers, but also as large investors. Actively using their potential, banks become very important members in the securities market which act not only as a direct participant, but also as an important subsidiary institution of the stock market that forms favorable conditions for the development of securities trading in general. Banks' need to attract additional resources to their share and circulating funds by issuing their own securities is one of the factors that activates banks in the securities market.

During the existence of the stock market of the Republic of Uzbekistan, commercial banks of the country have become not only active participants of this market, but also took over the tasks to form a market infrastructure. The National Bank of the Republic of Uzbekistan for Foreign Economic Activity is one of the banks taking leading positions in this area. Being the largest universal bank in the country, it acts on the stock market, primarily as an investor, guided by the national investment program aimed at expanding the manufacturing potential of enterprises.

In pursuance of Presidential Decree UP-4053 on Measures to Further Improve the Financial Stability of the Real Economy Enterprises dated November 18, 2008, as well as to develop the infrastructure of the securities market in the Republic of Uzbekistan, the Bank established two management companies: NBU INVEST GROUP LLC and NBU Investment LLC. The main statutory tasks of these companies include the attraction of foreign investment, the organization of investment funds, consulting, underwriting, depository services and effective asset management of subsidiaries established on the basis of the property of enterprises in default.

  • Attraction and investment of funds in Uzbek Soums and foreign currency;

  • SWAP transactions.

Key financial instruments of the Bank's operations in the securities market:

  • government securities and bonds of the Central Bank of the Republic of Uzbekistan;

  • deposit certificates and deposit (savings) certificates;

  • corporate bonds;

  • stock.

The Bank invests in securities subject to the receiving income from securities in the form of dividends, interest, forex gains, as well as by expanding the activities while attracting new clients, taking into account the requirements of liquidity of assets.

The Bank's own funds may also be invested in securities of issuers of strategic importance for the country's economy and/or the Bank.

The Uzbek National Bank can offer clients the following services in the securities market:

  • Consulting service;

  • Brokerage and dealer services both on the stock market and on the government securities market;

  • Trust operations on trust management of investment assets.

Latest site update date: 10/09/2024 05:22:01 pm

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
  • NBFAUZ2X
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.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company at the time of filing the application must be more than 6 months.
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
The period of registration of the company must exceed 1 year
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.

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