Why Uzbekistan

TBC Uzbekistan is a digital financial services ecosystem offering banking, lending, payments, insurance, and business solutions. Its ecosystem includes TBC Bank, the Payme digital payments platform, TBC Nasiya, and TBC Insurance. With 22 million unique registered users, representing more than 50% of Uzbekistan's population, the company plays a significant role in expanding access to digital financial services.

TBC Uzbekistan achieved profitability just two years after its launch, demonstrating rapid growth in the country's financial sector. In 2024, the company reported revenues of US$152 million and net profit of US$41 million. As of June 2025, its loan portfolio reached approximately US$905 million, while deposits totalled US$492 million, representing year-on-year growth of 112% and 92%, respectively.

In 2025, TBC Group announced the acquisition of majority stakes in BILLZ, a retail management platform, and OLX Uzbekistan, a leading online classifieds platform, further expanding its digital ecosystem. The company has also invested more than US$15 million in artificial intelligence technologies, including proprietary speech recognition and language models. By the first half of 2025, its AI-powered agents were handling over 90% of early-stage payment reminder calls, improving operational efficiency.

TBC Bank Group and its international partners, including the European Bank for Reconstruction and Development (EBRD) and the International Finance Corporation (IFC), have invested more than US$460 million in Uzbekistan's economy. The Group's listing on the London Stock Exchange also provides international investors with exposure to Uzbekistan's growing financial sector. In July 2025, TBC Uzbekistan became the first company from Central Asia to be included in CNBC and Statista's annual list of the World's Top Fintech Companies, highlighting the country's growing position as a regional financial technology hub.