trends. The funding base is mainly short-term, largely sourced from corporate current accounts, while retail funds account for only a small 25% of total deposits. Longer-term funding is provided by the Ministry of Finance and other state agencies, which comprise a notable proportion of sector liabilities. Foreign funding is small, estimated at about 10% of the total liabilities, and plans for further borrowings are moderate. Liquidity management is constrained be the lack of deep capital markets, and banks generally tend to hold substantial cash reserves on their balance sheets. The quality of capital is sometimes compromised by less conservative regulatory requirements for recognition of credit impairment and by investments in non-core assets. Retail Uzbekistan's retail sector remains dominated by traditional markets, known as bozorlar, where individual vendors sell food, housewares, clothing, and other consumer goods. But the country's retail sector is rapidly modernizing. The construction of modern supermarkets and malls has accelerated in recent years. The country's retail market was estimated at $17 billion in 2017 and rising incomes, population growth, and a move from informal to formal retail are expected to drive continued expansion of the sector. Major supermarket chains include local players Korzinka.uz and Makro (Uzbekistan) and the French multinational chain Carrefour, which will open its first store in Uzbekistan in 2021. The country's first modern shopping malls are located in Tashkent, and include the Samarkand Darvoza and Compass developments. The sector has also seen growth in online retail. In 2021, Korzinka acquired a US$40m stake in Angelsey Foods, the Singapore mother entity of Korzinka. In 2021, the company also signed a signed $12 million in debt financing to promote food security and sustain the livelihoods of more than 5,000 employees and 1,200 farm workers in Uzbekistan. Tourism Silk road route's three important cities are located in Uzbekistan, namely Khiva, Bukhara and Samarkand. There are numerous well connected tourist destinations in Uzbekistan. There are five UNESCO World Heritage Sites in Uzbekistan and 30 are on tentative list. Miscellaneous data The following table shows the main economic indicators in 1993–2017. Household income or consumption by percentage share: lowest 10%: 2.8% highest 10%: 29.6% (2003) Distribution of family income - Gini index: 36.8 (2003) Agriculture - products: cotton, vegetables, fruits, grain; livestock Industrial production growth rate: 6.2% (2003 est.) Electricity: production: 47.7 TWh (2002) consumption: 46.66 TWh (2002) exports: 4.5 TWh (2002) imports: 6.8 TWh (2002) Electricity - production by