Disclosure and Documents

Orient Finans Private Joint-Stock Commercial Bank adheres to the principles of transparency and openness in its operations. In this section, you can ознакомиться with the bank’s activities, financial reports, official disclosures, and regulatory documents.

Consumer Protection

The Bank makes every effort to provide high-quality banking services, prevent disputes and resolve disagreements with clients based on the principles of honesty, transparency and partnership.

Service quality and dispute prevention

The Bank strives to fully satisfy justified client requests, provides services taking into account the economic capabilities of the parties and takes measures to prevent disputes, including in lending.

Amicable settlement

Disputes and disagreements arising from contracts are primarily resolved through amicable negotiations. Meetings are organized by the Bank at a convenient time for the client with the participation of relevant specialists and are documented by minutes.

Notification on obligations

In case of untimely fulfillment of obligations by the client, including loans and microloans, the Bank notifies the client in accordance with established procedures and sends a written demand.

Mediation and judicial procedure

If the dispute cannot be resolved through negotiations, the parties may apply to the Chamber of Commerce and Industry of the Republic of Uzbekistan or to courts in accordance with the law. The procedure for dispute resolution is determined by the terms of the concluded agreements.

"Regulation on Minimum Requirements for the Activities of Commercial Banks in Their Relations with Consumers of Banking Services"

dated July 2, 2018, Registration No. 3030

To prevent any unfair or improper actions by the Bank’s employees, we kindly ask you, in case such actions are detected, to send the relevant information to the following email address: negatives@ofb.uz, in accordance with the established form.

Your statement will be reviewed in due course, and you will be informed of the results.

Download the application form

docx 13.49 KB

Procedure for Reviewing Customer Complaints

pdf 38.08 KB

Customer Complaints Analysis

pdf 205.41 KB

Customer Complaints Rating Report

pdf 189.59 KB

List of companies owned by the bank

LLC “OFB Lizing” (100%)

Tashkent city, Mirabad district,Yakub Kolas street, 7A

LLC “OFB MOLIYA” (100%)

Tashkent city, Yunusabad district,Minor mahalla, Amir Temur street, 95A

JSC “Uzbek Republican Currency
Exchange” (5.76%)

Tashkent city,Sharaf Rashidov avenue, 4

Overdraft «Corporate-1»

Grace period	Absent
Minimum amount	not installed
Maximum amount	50.0 million soums
Maximum term	12 months
The interest rate	20%
Initial payment

Overdraft «Convenient wallet»

Grace period	Absent
Minimum amount	not installed
Maximum amount	50.0 million soums
Maximum term	24 months
The interest rate	24%
Initial payment

«Profitable mortgage», Tashkent

Grace period	6 months Absent Absent
Minimum amount	not installed
Maximum amount	816,5 million soums
Maximum term	240 months
The interest rate	416.5 mln.sum-18% 400.0 mln.sum - 24% 400.0 mln.sum - 22%
Initial payment	from 15% from 25% from 35%

«Profitable mortgage», regions

Grace period	6 months Absent Absent
Minimum amount	not installed
Maximum amount	727,250 million soums
Maximum term	240 months
The interest rate	327,250 mln.sum-17% 400.0 mln.sum - 24% 400.0 mln.sum - 22%
Initial payment	from 25% from 25% from 35%

Mortgage loan for the primary market

Grace period	up to 3 months
Minimum amount	not installed
Maximum amount	900,00 million soums
Maximum term	240 months
The interest rate	25% 23%
Initial payment	from 25% from 35%

Mortgage loan for the secondary market

Grace period	up to 3 months
Minimum amount	not installed
Maximum amount	900,00 million soums
Maximum term	240 months
The interest rate	26% 24%
Initial payment	from 30% from 40%

«Convenient refinancing», Tashkent

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	240 months
The interest rate	25,9% 23,9%
Initial payment	from 25% from 40%

«Convenient refinancing», regions

Grace period	Absent
Minimum amount	not installed
Maximum amount	400,00 million soums
Maximum term	240 months
The interest rate	25,9% 23,9%
Initial payment	from 25% from 40%

«Interest-free mortgage for new buildings»

Grace period	Absent
Minimum amount	not installed
Maximum amount	500,00 million soums
Maximum term	60 months
The interest rate	0%
Initial payment	from 30%

Mortgage loan «Parking»

Grace period	Absent
Minimum amount	not installed
Maximum amount	150,00 million soums
Maximum term	60 months
The interest rate	24%
Initial payment	0%

«Reliable Mortgage», regions

Grace period	Absent
Minimum amount	not installed
Maximum amount	727,250 million soums
Maximum term	240 months 120 months
The interest rate	327,250 million soums - 20% 400.0 million soums - 24%
Initial payment	from 15% from 25%

«Reliable Mortgage», Tashkent

Grace period	up to 6 months
Minimum amount	not installed
Maximum amount	816,5 million soums
Maximum term	240 months 120 months
The interest rate	416.5 million soums - 20% 400.0 million soums - 24%
Initial payment	from 15% from 25%*if the amount exceeds the initial payment of 25%

Mortgage loan «Family», regions

Grace period	up to 6 months
Minimum amount	not installed
Maximum amount	327,250 million soums
Maximum term	240 months
The interest rate	17%
Initial payment	from 15%

Mortgage loan «Family», Tashkent

Grace period	up to 6 months
Minimum amount	not installed
Maximum amount	416.5 million soums
Maximum term	240 months
The interest rate	18%
Initial payment	from 15%

«Easy car loan»

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	60 months
The interest rate	26,9% 25,9% 24,9% 23,9%
Initial payment	from 20% from 30% from 40% from 50%

«Car Loan - Import»

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	60 months
The interest rate	26% 25% 24%
Initial payment	from 30% from 40% from 50%

«Car loan to the secondary market»

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	48 months
The interest rate	27% 25%
Initial payment	from 25% from 40%

«Car Loan Trade-In»

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	60 months
The interest rate	26,9% 25,9% 24,9% 23,9%
Initial payment	from 20% from 30% from 40% from 50%

«Convenient»

Grace period	Absent
Minimum amount	not installed
Maximum amount	50.00 million soums
Maximum term	36 months
The interest rate	26%
Initial payment

«Green»

Grace period	up to 6 months
Minimum amount	not installed
Maximum amount	100.00 million soums
Maximum term	60 months
The interest rate	20%
Initial payment

«Profitable» for employees of corporate clients

Grace period	Absent
Minimum amount	not installed
Maximum amount	50.00 million soums
Maximum term	36 months
The interest rate	25%
Initial payment

«Consumer credit for education»

Grace period	Absent
Minimum amount	not installed
Maximum amount	250.00 million soums
Maximum term	48 months
The interest rate	from 26% from 22%
Initial payment	up to 50% from 50%

«Student»

Grace period	The period of education is + 6 months.
Minimum amount	not installed
Maximum amount	According to the contract of the higher educational institution of the Republic of Uzbekistan
Maximum term	The period of education is + 90 months.
The interest rate	For women - 0% per annum Men – the main rate of the Central Bank
Initial payment

«IT specialist»

Grace period	12 months
Minimum amount	not installed
Maximum amount	According to the contract of the educational institution of the Republic of Uzbekistan, but not more than 65 times the size of the BCA
Maximum term	48 months
The interest rate	The Central Bank's basic rate
Initial payment

«Microloan - Pro Corporate»

Grace period	Absent
Minimum amount	5.0 million soums
Maximum amount	50.00 million Soums
Maximum term	24 months 36 months
The interest rate	24% 25%
Initial payment

Microloan «On top»

Grace period	Absent
Minimum amount	5.0 million soums
Maximum amount	50.00 million Soums
Maximum term	12 months 24 months 36 months.
The interest rate	28,9% 29,9% 30,9%
Initial payment

«Free month» for employees of corporate clients

Grace period	Absent
Minimum amount	5.0 million soums
Maximum amount	40.00 million Soums
Maximum term	12 months
The interest rate	•The first calendar month (30-31) days - 0%; •Starting from the second month, 28% per annum
Initial payment

«Green»

Grace period	Absent
Minimum amount	5.0 million soums
Maximum amount	50.00 million Soums
Maximum term	36 months
The interest rate	20%
Initial payment

«OFB Profit»

Grace period	Absent
Minimum amount	1.0 million soums
Maximum amount	50.00 million Soums
Maximum term	12 months
The interest rate	0%
Initial payment

Microloan «InTend»

Grace period	Absent
Minimum amount	1.0 million soums
Maximum amount	20.00 million Soums
Maximum term	12 months
The interest rate	0%
Initial payment

Rates

pdf 382.64 KB

Rates

xlsx 94.37 KB

Sample

pdf 917.51 KB

Overdraft «Corporate-1»

Grace period	Absent
Minimum amount	not installed
Maximum amount	50.0 million soums
Maximum term	12 months
The interest rate	20%
Initial payment

Overdraft «Convenient wallet»

Grace period	Absent
Minimum amount	not installed
Maximum amount	50.0 million soums
Maximum term	24 months
The interest rate	24%
Initial payment

«Profitable mortgage», Tashkent

Grace period	6 months Absent Absent
Minimum amount	not installed
Maximum amount	816,5 million soums
Maximum term	240 months
The interest rate	416.5 mln.sum-18% 400.0 mln.sum - 24% 400.0 mln.sum - 22%
Initial payment	from 15% from 25% from 35%

«Profitable mortgage», regions

Grace period	6 months Absent Absent
Minimum amount	not installed
Maximum amount	727,250 million soums
Maximum term	240 months
The interest rate	327,250 mln.sum-17% 400.0 mln.sum - 24% 400.0 mln.sum - 22%
Initial payment	from 25% from 25% from 35%

Mortgage loan for the primary market

Grace period	up to 3 months
Minimum amount	not installed
Maximum amount	900,00 million soums
Maximum term	240 months
The interest rate	25% 23%
Initial payment	from 25% from 35%

Mortgage loan for the secondary market

Grace period	up to 3 months
Minimum amount	not installed
Maximum amount	900,00 million soums
Maximum term	240 months
The interest rate	26% 24%
Initial payment	from 30% from 40%

«Convenient refinancing», Tashkent

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	240 months
The interest rate	25,9% 23,9%
Initial payment	from 25% from 40%

«Convenient refinancing», regions

Grace period	Absent
Minimum amount	not installed
Maximum amount	400,00 million soums
Maximum term	240 months
The interest rate	25,9% 23,9%
Initial payment	from 25% from 40%

«Interest-free mortgage for new buildings»

Grace period	Absent
Minimum amount	not installed
Maximum amount	500,00 million soums
Maximum term	60 months
The interest rate	0%
Initial payment	from 30%

Mortgage loan «Parking»

Grace period	Absent
Minimum amount	not installed
Maximum amount	150,00 million soums
Maximum term	60 months
The interest rate	24%
Initial payment	0%

«Reliable Mortgage», regions

Grace period	Absent
Minimum amount	not installed
Maximum amount	727,250 million soums
Maximum term	240 months 120 months
The interest rate	327,250 million soums - 20% 400.0 million soums - 24%
Initial payment	from 15% from 25%

«Reliable Mortgage», Tashkent

Grace period	up to 6 months
Minimum amount	not installed
Maximum amount	816,5 million soums
Maximum term	240 months 120 months
The interest rate	416.5 million soums - 20% 400.0 million soums - 24%
Initial payment	from 15% from 25%*if the amount exceeds the initial payment of 25%

Mortgage loan «Family», regions

Grace period	up to 6 months
Minimum amount	not installed
Maximum amount	327,250 million soums
Maximum term	240 months
The interest rate	17%
Initial payment	from 15%

Mortgage loan «Family», Tashkent

Grace period	up to 6 months
Minimum amount	not installed
Maximum amount	416.5 million soums
Maximum term	240 months
The interest rate	18%
Initial payment	from 15%

«Easy car loan»

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	60 months
The interest rate	26,9% 25,9% 24,9% 23,9%
Initial payment	from 20% from 30% from 40% from 50%

«Car Loan - Import»

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	60 months
The interest rate	26% 25% 24%
Initial payment	from 30% from 40% from 50%

«Car loan to the secondary market»

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	48 months
The interest rate	27% 25%
Initial payment	from 25% from 40%

«Car Loan Trade-In»

Grace period	Absent
Minimum amount	not installed
Maximum amount	600,00 million soums
Maximum term	60 months
The interest rate	26,9% 25,9% 24,9% 23,9%
Initial payment	from 20% from 30% from 40% from 50%

«Convenient»

Grace period	Absent
Minimum amount	not installed
Maximum amount	50.00 million soums
Maximum term	36 months
The interest rate	26%
Initial payment

«Green»

Grace period	up to 6 months
Minimum amount	not installed
Maximum amount	100.00 million soums
Maximum term	60 months
The interest rate	20%
Initial payment

«Profitable» for employees of corporate clients

Grace period	Absent
Minimum amount	not installed
Maximum amount	50.00 million soums
Maximum term	36 months
The interest rate	25%
Initial payment

«Consumer credit for education»

Grace period	Absent
Minimum amount	not installed
Maximum amount	250.00 million soums
Maximum term	48 months
The interest rate	from 26% from 22%
Initial payment	up to 50% from 50%

«Student»

Grace period	The period of education is + 6 months.
Minimum amount	not installed
Maximum amount	According to the contract of the higher educational institution of the Republic of Uzbekistan
Maximum term	The period of education is + 90 months.
The interest rate	For women - 0% per annum Men – the main rate of the Central Bank
Initial payment

«IT specialist»

Grace period	12 months
Minimum amount	not installed
Maximum amount	According to the contract of the educational institution of the Republic of Uzbekistan, but not more than 65 times the size of the BCA
Maximum term	48 months
The interest rate	The Central Bank's basic rate
Initial payment

«Microloan - Pro Corporate»

Grace period	Absent
Minimum amount	5.0 million soums
Maximum amount	50.00 million Soums
Maximum term	24 months 36 months
The interest rate	24% 25%
Initial payment

Microloan «On top»

Grace period	Absent
Minimum amount	5.0 million soums
Maximum amount	50.00 million Soums
Maximum term	12 months 24 months 36 months.
The interest rate	28,9% 29,9% 30,9%
Initial payment

«Free month» for employees of corporate clients

Grace period	Absent
Minimum amount	5.0 million soums
Maximum amount	40.00 million Soums
Maximum term	12 months
The interest rate	•The first calendar month (30-31) days - 0%; •Starting from the second month, 28% per annum
Initial payment