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Opening remarks by the Chairman

Dear clients and partners,

First, on behalf of our team let me express special thanks to you for your belief in our bank and help during last years. Indeed, the present status of the Bank for foreign economic activity of the Republic of Uzbekistan-that it is financially sustainable, has a significant and strong client base, possesses a wide infrastructure is the invaluable result of mutually beneficial cooperation between bank and loyal partners like you.  We hope that our highest aspirations will come true with us being united for achieving our future aims.

The priority tasks on economic policy were defined by the Head of our government to provide sustainability for implementation of reforms in and further development of banking system and these days their implementation is carried out through active measures.

In turn, the National bank for foreign economic activity, as one of the large credit institutions in the country, is taking an active part in the development of  Uzbekistan at the sustainable and faster speed increasing its participation on the world financial markets with the help of new approaches and principles and  pays a serious attention to the development of crediting, which is one of the most important directions  of the system, through supporting important industries in the economy, modernizing the current production, technical and technological renovation, financing the measures for setting-up highly efficient productions, proving large opportunities to small business and entrepreneurship, creation of production aimed at the localization of imported consumer products based on the use and reuse of local raw materials.

As a large investment institution, the Bank has been providing financial support to the relevant enterprises and organizations for the implementation of regional infrastructure projects such as oil and gas, fuel, energy, light industry, machinery, communications, transport and logistics, agro-industrial and information communication technologies.

In this regard, with the introduction of new attractive services, the Bank revised its measures of making its regional branches and subordinated structures meet the  today’s requirements.

Indeed, having implemented strategic actions such as those leading to becoming both intellectually and financially stronger, the Bank has paid a special attention to forming its own resources with attracting foreign credit lines and improving the skills of its staff on the way to accomplish significant results.

Finally, reputable international rating agencies - Moody's and Standard&Poor's –evaluated performance of National Bank for Foreign Economic Activity (NBU) positively and reaffirmed their previous ratings.

It is well-known that in our country Five Area Strategy of Actions on the further development of the Republic of Uzbekistan for 2017-2021 has been developed under the initiative of President Shavkat Mirziyoev. Commercial banks  also carry out extensive efforts under the leadership of the Central Bank of the Republic of Uzbekistan to exemplify the implementation of this important document, which includes the radical improvement of the state and society construction. In particular, the improvement of the system on the basis of advanced international experience, maintenance of stability of national currency and prices in the domestic market, introduction of modern market mechanisms in the formation of the national currency exchange rate, further improvement of monetary policy, intensification of capitalization of banks' deposit base, investment projects and increasing the volume of crediting of small businesses and private entrepreneurship, expanding cooperation with international financial institutions, increasing foreign investment, were determined as the priorities of the sector.

The National Bank for Foreign Economic Activity of Uzbekistan supports the achievements of these aims and this year also focuses on further development  its financial position, its business while further contributing to increasing the standards of the country's socioeconomic life and, in particular, becoming  geographically closer to the population, learning the benefits that customers get in the area of financial services, offering new types of services using modern information and communication technologies, as well as, implementation of solid and proven methods for risk management and provision of security in the system.

Sincerely yours,

Chairman of the Board
A. Mirsoatov

Latest site update date: 07/14/2024 12:25:28 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
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.
- 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 must exceed 1 year
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.

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