TBC Bank Uzbekistan (TBC UZ), one of the country’s largest digital banks and a core component of the TBC Uzbekistan ecosystem, has been recognized among the most efficient banks in the Commonwealth of Independent States (CIS) in The Banker’s 2025 Top 100 CIS Banks Rankings. The ranking is considered one of the most respected benchmarks of banking performance in the region.
In the 2025 edition, TBC UZ ranked 14th in Uzbekistan by Tier 1 capital and advanced 18 positions to reach 51st place across the entire CIS region. The upward movement reflects the bank’s consistent financial growth and the strength of its digital-first operating model.
The annual rankings, compiled using proprietary data from The Banker Database, assess leading regional banks primarily by Tier 1 capital alongside eight additional performance indicators. The updated CIS methodology provides a broader regional benchmark, evaluating resilience, profitability, operational efficiency, and sustainable growth.
Nika Kurdiani, CEO of TBC Uzbekistan, commented that recognition by The Banker underscores the strength of the company’s digital banking ecosystem. He noted that in just a few years, the group has built one of Central Asia’s largest financial ecosystems, delivering sustainable and profitable growth while transforming financial services for both retail and corporate clients. According to him, the ranking reflects disciplined financial management, innovation speed, and the trust of millions of customers.
Expanding Digital Ecosystem and Customer Base
TBC Uzbekistan’s inclusion in the 2025 rankings coincides with continued expansion of its digital ecosystem and product portfolio. The company has grown its user base to 22 million unique registered users and demonstrated steady growth in both its lending and deposit portfolios throughout 2025.
As digital engagement deepens across the country, customer behavior increasingly reflects the shift toward online financial management. The growing interest in search queries such as “курс валют” and “kurs valyuta” highlights how consumers rely on real-time digital tools to monitor exchange rates and manage cross-border transactions, further reinforcing the role of technology-driven banking solutions.
Comprehensive Product Offering
TBC Bank Uzbekistan delivers a broad range of financial products designed to meet everyday needs of individuals and businesses:
Cards for daily transactions. The bank offers both physical and virtual cards for secure online and offline payments, enabling convenient digital commerce and contactless transactions.
Fully digital lending solutions. Customers can apply for and receive credit entirely online, without visiting a branch. The rapid development of digital lending has accelerated the adoption of remote financial services, particularly among younger, tech-savvy users.
Daily banking services. The ecosystem includes accounts, transfers, payments, small business services, and intuitive financial management tools integrated into the mobile application.
Ecosystem-Driven Growth Strategy
TBC Uzbekistan operates as part of TBC Bank Group, which is listed on the London Stock Exchange. Its growth strategy is supported by a modern technology architecture, an international management team, and a product-focused approach centered on consumer lending and digital convenience.
The company continues to expand its innovative portfolio, benefiting from relatively low retail banking penetration and rising demand for modern financial services among Uzbekistan’s young and digitally oriented population.
The broader TBC Uzbekistan ecosystem includes several fast-growing digital businesses operating in the country: TBC UZ, the country’s largest digital bank; Payme, a payment application serving individuals and small businesses; TBC Nasiya (TBC BNPL), an installment-based financing platform; and TBC Insurance, a fully digital insurance provider.
Outlook
The recognition in The Banker’s 2025 rankings reinforces TBC Uzbekistan’s position as a leading digital financial institution in Central Asia. With continued ecosystem expansion, disciplined financial management, and a technology-first strategy, the bank remains well positioned to sustain its growth trajectory in an increasingly competitive and digitally driven financial landscape.
