TASHKENT, UZ / ACCESS Newswire / January 13, 2026 / 2025 marked a qualitative transition for Octobank - from a phase of accelerated growth to a state of institutional resilience. The year's results reflect not isolated achievements across individual areas, but a holistic transformation of the bank: spanning financial performance and risk profile, international trust, digital solutions, and social responsibility.
Financial Dynamics: Growth Without Compromising Quality
The defining feature of the year was a substantial expansion of balance-sheet indicators. The bank's assets reached UZS 4.98 trillion, representing a year-on-year increase of 81.7%. Liabilities grew at a comparable pace, reaching UZS 4.05 trillion (+83.2%).
Equity amounted to UZS 927.3 billion, strengthening the bank's regulatory foundation and capital buffer. Net profit for the first half of the year reached UZS 162.3 billion, more than tripling compared to the same period of the previous year (+226.5%).
Particular attention should be given to the loan portfolio, which expanded more than twelvefold. At the same time, Octobank ended the year with fully eliminated non-performing assets: the NPL ratio was reduced to 0%. Against the backdrop of the regional banking market, this positions the bank among the very few institutions with no problem loans.
The client base also continued to grow: 3.6 million retail customers and over 2,500 corporate clients now use the bank's services.
International Recognition and Market Confidence
In 2025, Octobank received international credit ratings from two leading agencies. Moody's assigned a B3 rating with a stable outlook, while S&P Global Ratings awarded a B- rating, also with a stable outlook. These assessments confirmed the resilience of the bank's business model, its financial discipline, and the quality of its risk management.
Brand Value and Industry Awards
The year was also significant in terms of intangible assets. The Octobank brand was valued at USD 30 million. In addition, the bank received the Brand Awards International accolade "For Dynamic Development in the Banking Sector" and was recognized as the leader in online acquiring in Uzbekistan following the E-commerce Central Asia Expo.
Payment Technologies and Fintech Development
One of the key strategic focuses of the year was digital payment solutions. The Alipay+ solution was launched and scaled within the Octo-Mobile app, enabling international QR payments abroad. In parallel, biometric payment scenarios were introduced, including pay-by-palm based on MyID Palm technology.
Octobank connected to international payment infrastructures SWIFT and CIPS, expanding its cross-border settlement capabilities. The bank also participated in the development of blockchain platforms and digital settlement solutions, including projects based on Ant Chain and export-oriented use cases.
International Cooperation and Integration
Throughout 2025, the bank actively built its international agenda. Octobank participated in the China International Financial Exhibition in Shanghai and held negotiations with a number of global financial institutions, including CIPS, Bank of China, HSBC, Standard Bank, Bank Mandiri, and Bangkok Bank.
Partnerships with XJ Bank were expanded to cover yuan-denominated operations, letters of credit, and guarantees. The bank also joined the American Chamber of Commerce in Uzbekistan and integrated into international business and ESG communities, including Qorus.
Compliance and Risk Management
During the year, Octobank confirmed full compliance with AML/CFT, KYC, and sanctions requirements. The bank maintains transparent public reporting and open communication with the media, which has become an important factor in building trust among regulators, partners, and clients.
ESG and Social Responsibility
ESG initiatives formed a dedicated strategic pillar. The bank implemented financial literacy programs, including webinars and participation in Global Money Week in cooperation with the Central Bank of Uzbekistan. Educational projects in legal and financial awareness were also launched.
Environmental initiatives included the expansion of electronic document management, virtual cards, tree-planting programs, and preparations for a transition to electric vehicles. On the social front, the bank joined the international "16 Days of Activism Against Gender-Based Violence" campaign and continued to develop an inclusive, multinational, and gender-equal corporate culture.
Communications and AI Formats
In 2025, Octobank launched OCTO-AI-TV, the first AI-powered banking video channel in the region. The project introduced AI-generated on-site reports without traditional filming crews, including coverage of TAF!25.
Year-End Summary
The results of 2025 position Octobank as a bank that successfully combined accelerated growth with robust risk control, technological innovation with strict compliance, and international integration with social responsibility. It represents a rare example of systemic, forward-looking development, where quantitative achievements are reinforced by profound qualitative change.
Company Details
Company Name: Octobank
Contact Person: Alex R
Email: info@octobank.uz
Address: Tashkent, Uzbekistan
Website: https://octobank.uz/
SOURCE: Octobank
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