The Central Bank of Uzbekistan has for the first time presented national financial inclusion indices for 2025. For the population, the indicator was 59 out of 100 points, and for small and medium-sized businesses – 49 points.

The index takes into account three parameters: accessibility of financial services, their actual use, and quality. However, the indicator does not represent the proportion of the population using services: 60 points does not mean 60% of residents.

For the population, accessibility is rated at 62 points, usage at 51 points, and quality at 64 points. Payment services are the most developed: 83% of adults have bank cards, and about 77% use internet banking. However, only 4% of the population uses savings or term deposits, although 86% have a bank account.

For SMEs, the index was 49 points. Lending turned out to be the most accessible area – 50 points, while payments received only 19 points. About 24% of enterprises have an active credit account, and SMEs account for 34% of the volume of bank loans issued.

The index for women reached 72 points. Basic access to the financial system is almost at the national average, but a gap in credit usage remains.

The most serious problem was identified in rural and remote areas – their index was 49 points. Only 21% of adult rural residents have bank accounts, compared to 86% nationwide.