NPL Portfolio Investments in Uzbekistan: Cession

Investments in NPL (non-performing loan) portfolios and the development of a civilized secondary debt market in Uzbekistan.

CTG is building a transparent distressed asset management ecosystem that combines international standards, technology infrastructure and local regulation.

Our goal is to establish a sustainable mechanism for the assignment of claims (cession) between banks, investors and mediation providers. This helps reduce the NPL ratio, increase asset liquidity and build trust among all market participants.

Legal transparency. All transactions are carried out in accordance with the Civil Code of the Republic of Uzbekistan (Art. 313–320) and the Law "On Personal Data" No. ZRU-547.
Technology-driven. E-signing of contracts (Didox), AML/KYC checks and integration with CTG's internal platform.
Digital security. Data storage in certified data centers located in the Republic of Uzbekistan; access auditing and change control.
Partnership with banks. CTG builds long-term cooperation models, providing legal and analytical support during portfolio transfers.
AI analytics and portfolio valuation. Collectability forecasting, ROI calculation, risk scoring and automated classification of debts by DPD bucket.
Social responsibility. Mediation instead of enforcement: reducing conflicts, keeping clients informed and protecting their rights.

The CTG model is built on the principles of transparency, legal compliance and ethical engagement. We see potential in Uzbekistan for building a sustainable, regulated NPL investment market — a new asset class that benefits banks, investors and society alike.

Full Compliance with Uzbek Legislation

CODE OF ETHICS

The company has a Policy on Handling Citizens' Requests and Complaints in place. Official feedback channels have been set up, and a rapid response system for requests is in operation. Every message is reviewed on a case-by-case basis in accordance with the legislation of the Republic of Uzbekistan.

A free line for complaints, suggestions and consultations is available — you can reach us by phone or via the feedback form on the website.

FEEDBACK

CREDIT TECHNOLOGY GROUP (CTG) is committed to the principles of openness and ethical engagement. A Policy on Handling Citizens' Requests and Complaints is in place, and every request is reviewed within the established time limits, with the applicant always notified of the outcome.

For the convenience of our clients, a single feedback line and an online form on the website are available for submitting suggestions and complaints.

Tel.: +998-78-707-20-26

QUALITY CONTROL

CTG has a dedicated quality control department. All requests and calls are analyzed by an AI system that provides 100% communication monitoring and ensures compliance with ethical engagement standards.

Tel.: +998-78-707-20-26

IN-HOUSE TRAINING CENTER

CTG runs its own in-house training center. Employees regularly undergo training and professional development, which ensures a consistently high standard of communication quality.

Tel.: +998-78-707-20-26

Address

37 Kuylyuk-3, Yuksalish MFY, Mirabad district, Tashkent 100080, Uzbekistan

Phone

+998-78-707-20-26
+998-78-333-82-96

Email

mail@credtech.uz

"CREDIT TECHNOLOGY GROUP" LLC

Address: 37 Kuylyuk-3, Yuksalish MFY, Mirabad district, Tashkent 100080, Uzbekistan
TIN 312353360
Bank TIN 207275139
Account No. 20208000907292190001
with JSC "KAPITALBANK"
Bank MFO code 01158

Feedback

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