Deposits opened in the NBU are reliably protected, their return is guaranteed by the Law "On Guarantees of Protection of Deposits in Banks" (No. ZRU-1031 dated 02/18/2025).
In accordance with the Law, the state guarantees deposits of individuals, including individual entrepreneurs, as well as legal entities in the amount of up to 200,000,000 (two hundred million) soums per depositor in one bank.

When determining the object of the deposit guarantee, it is considered:

• the balance of funds deposited to the bank in accordance with a bank deposit agreement or a bank account agreement, including those held in separate accounts until the relevant terms of the agreement are fulfilled (escrow service), as well as certified by a savings (deposit) certificate;

• the balance of interest under a bank deposit agreement or a bank account agreement accrued but unpaid before the occurrence of the guarantee event, if their accrual is provided for in these agreements, as well as the balance of accrued but unpaid interest indicated in the savings (deposit) certificate.

The object of the guarantee is not:

• deposits from banks, non-bank credit organizations, leasing companies, insurance organizations, investment and mutual funds, as well as other financial organizations operating on the basis of an appropriate license or permission from an authorized body of the Republic of Uzbekistan or a foreign state, or in the order of notification to authorized bodies;

• contributions from government organizations and enterprises, as well as government agencies of the Republic of Uzbekistan or a foreign state;

• deposits of persons related to the bank, with the exception of deposits of members of the Management Board and key personnel of the bank, the amount of which does not exceed wages and equivalent payments for the last three months;

• deposits in subsidiary banks or bank branches opened abroad;

• funds accumulated in individual funded retirement accounts; funds received from activities related to the legalization of proceeds from criminal activities, the financing of terrorism and the proliferation of weapons of mass destruction, which is confirmed by a court decision that has entered into force.

Are not considered deposits:

• shares and other instruments included in the regulatory capital of the bank in accordance with the legislation on banks and banking activities;

• debt securities (secured and unsecured bonds, promissory notes) issued by the bank;

• subordinated debt obligations of the Bank;

• funds stored in the bank's safes;

• claims arising from derivative financial instruments, including futures, forward contracts, swaps and options issued by the bank;

• rights of claim arising in connection with the bank's trust management activities.

The amount of compensation paid to one depositor in one bank is:

• the full balance of the guaranteed object, if its size is 200,000,000 (two hundred million) soums or less;

• 200,000,000 (two hundred million) soums, if the balance of the guaranteed object is more than 200,000,000 (two hundred million) soums.

In accordance with the Law, a gradual shortening of the deposit repayment period is envisaged upon the occurrence of a guarantee event.:

• in 2025 — 20 working days

• from January 1, 2026 — 15 working days

• from January 1, 2027 — 7 working days

Important: the occurrence of a guaranteed event occurs when the Central Bank of the Republic of Uzbekistan decides to revoke the license for the right to conduct banking activities and forcibly liquidate the bank.

Compensation for a guaranteed deposit in a foreign currency is paid in the national currency of the Republic of Uzbekistan at the exchange rate of the Central Bank on the date of the occurrence of the guarantee event.