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Lending operations

Credits and Guarantees

Crediting of Legal Entities

JSC “KDB Bank Uzbekistan” offers loans to business entities for the following purposes:

  • Replenishment of working capital with the possibility of opening revolving credit lines
  • Purchase of fixed assets (including technological equipment, buildings, transport vehicles and others)
  • Project financing through syndicated loans
  • Financial lease
  • Other purposes not violating regulations of the Republic of Uzbekistan

JSC “KDB Bank Uzbekistan” carries out crediting of clients on the following terms:


  • Short-term loans – for a period not exceeding 1 year
  • Long-term loans – for a period from 1 to 5 years

Interest Rates:

  • For loans in  a freely convertible currency – LIBOR (6M) + from  4% to 10% per annum
  • For loans (financial leases) in the national currency – CBU refinancing rate + from 4% to 10% per annum

Note: The final interest rate on loans and leases is set depending on the type of lending product, business activity and financial position of a company, as well as other economic indicators of the project.

Loan Amount:

To corporate clients (for one transaction):

In hard currency:

  • Up to 5,000,000.0 (the amount is shown in USD equiv.)

In national currency:

  • Up to UZS 40,000,000,000.0

Note: The loan amount cannot exceed the amount of total own capital of the company (according to the balance sheet line #480).

Required Documents:

  • Application. The application should describe in details the demand for receiving the loan, its efficiency, repayment, payment of interests and security, structure of own capital and participation in the project to be credited
  • Feasibility study of the project (Business plan) and forecasted financial statements for the period of crediting (Form1 and Form2)
  • Legal documentation (charter of the company, foundation agreement, license certifying the right to practice production operation if the type of activity forms part of the list requiring special licenses)
  • Information on accounts in other banks, borrowed funds and terms of their repayment
  • Information on participation with own capital in the creation of other companies
  • Balance sheet, statement of incomes and losses and cash flow statement for the last three years and the period under report, certified by local (district) body of State Tax service, with breakdown of accounts receivable and accounts payable and overdue receivables and payables acknowledgment deeds for the whole amount. (Form 1, Form 2, Form 2a, Form 4, etc.)
  • Documents certifying the consent of founders on receiving the loan, providing the property as security, if a warranty or property of a third party is being offered as security, then the consent of founders of the company-warrant on providing such property or pledge. Charter and protocol of the meeting of founders on the authorization of a representative of the company to sign agreements and documents
  • Resume (of the management, including the chief accountant)

Note: The above set of documents is not an exhaustive list of information necessary for the examination of proposed deals.

JSC “KDB Bank Uzbekistan” also provides the following types of bank guarantees:

  • Tender guarantee (bid bond)
  • Advance payment guarantee
  • Performance guarantee
  • Payment guarantee

To receive a bank guarantee the Principal provides the following documents to the Bank:

  • Application for a bank guarantee
  • Business plan containing an analysis of cash flow for the whole period of usage of the bank guarantee
  • Balance sheet (Form 1), Statement of financial results (Form2), Information on overdue accounts receivable and accounts payable (Form 2a) on the last date under-report
  • Auditor’s conclusion for the outcomes of the last financial year

As security of timely fulfillment of obligations assumed under the guarantee a liquid property shall be provided.

Crediting of employees of legal entities

Lending terms:


  • An employee who works at an enterprise or in an organization that has a primary account with KDB Bank Uzbekistan

Note: An employee who works under an employment contract on an ongoing basis

The currency of the Credit:

  • National currency (UZS)

Maximum loan amount:

  • The average monthly salary of the borrower for the last 12 months

Credit term:

  • 12 months

Form of credit allocation:

  • An additional extra limit is established on the borrower's plastic card in a recoverable (revolving) form

Loan repayment procedure:

  • From incoming funds to a plastic card due to wages or other income, and the borrower can make cash to the bank's office to pay off

Annual interest rate:

  • Determined by the Credit Committee of the Bank


  • Guarantee of the corporate client-employer or Insurance coverage of credit risk in the amount of 125% of the loan amount

Fill the Loan application

Center for Coordination of Investment Activities and Project Management: Invitation Page

Head office of JSC “KDB Bank Uzbekistan”

Address: Bukhoro Str.3, 100047, Tashkent, Uzbekistan

Tel.: (+998) 78 120-80-00, (+998) 78 140-56-66, (+998) 78 140-56-67

Fax: (+998) 78 120-69-70

Yunusabad Branch

Address: Minor avenue 77, 100084, Tashkent, Uzbekistan

Tel.: (+998) 78 120-61-41

Fax: (+998) 78 120-63-67

Yakkasaray branch

Address: Sh.Rustaveli Str., 12, 100070, Tashkent, Uzbekistan

Tel.; (+998) 78 140-06-30

Fax: (+998) 71 256-46-94

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