Share of resources of enterprises and population made up 50.8% in total volume of non-centralized investments, utilized in 2012 in Uzbekistan, which also includes foreign investments and loans of banks.

Resources of enterprises and population will be key factors of economic growth of Uzbekistan in 2013 as well.

Share of own resources of enterprises in total volume of capital investments, in line with the forecast, will make up 30% (8.1 trillion soums). Industrialization remains main priority of investment policy of the government. Uzbekistan implements a programme of preliminary measures on expanding the volume of production and launch of production of new competitive products for 2012-2016.

Technical and technological modernization of economy and its industries of Uzbekistan, diversification of production capacities play a key role in implementation of investment programme for 2013 and to near future.

Share of foreign investments and loans, in line with forecast, will make up 16.6% (4.5 trillion soums) in total investments into fixed capital in 2013.

Share of population resources in total investments into fixed capital in 2013 will grow up to 16.5% (4.4 trillion soums) in 2013.

This is connected with implementation of long-term state programme on improving life standards in rural areas. According to the Qishloq Qurilish Bank, the bank issues mortgage loans up to 1000 sizes of minimal salary. The loans are issued for 15 years, including one year grace period. Interest rate is set at 7% APR.

It is expected that share of local commercial banks in investments into economy will make up 11.9% (3.2 trillion soums) in 2013. According to estimates of specialists, non-standard approach on transfer of insolvent enterprises to balance of the banks proved is efficiency. Currently, hundreds of enterprises were rehabilitated due to investments of the banks.

Uzbekistan is implementing measures on increasing efficiency of the banks and credit organizations in financing production capacities. Commercial banks were exempted from taxes if they direct free resources to growth of capital and placement of additional shares to stock exchange. Uzbekistan also stimulates long-term investments.

In particular, Uzbekistan plans to expand crediting of investment projects on modernization, technical and technological reconstruction of real sector of economy by 2.8 times in 2011-2015.