Universal Bank (Uzbekistan)
SWIFT PJUNUZ22

Universal Bank (Private Joint-Stock Commercial Bank) was established in 2001. Over its 16 years of operation, the bank has established itself as a reliable financial institution with an efficient management system. Universal Bank conducts core banking operations-including serving private and corporate clients, investment banking, and international money transfers-while also providing consulting and information services. The bank’s fundamental operating principles are maximum convenience and flexibility in client relations. Key strategic priorities for the Universal Bank group include: - effective asset and liability management to boost profitability; - gradual expansion of the loan portfolio with a focus on borrower quality; - increasing fee-based income; - raising funds in debt capital markets; - further development of settlement services and remote banking channels. Universal Bank is a member of the Association of Banks of Uzbekistan and the National Association of Investment Institutions. The national rating agency Ahbor-Reyting has affirmed Universal Bank’s national scale credit rating at "uzB" (with a "Positive" outlook). This rating reflects the bank's high asset quality, adequate capitalization, risk management capabilities, favorable liquidity position, and strong financial performance.