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| Return on charter capital ratio | |
| Overall solvency coverage ratio | |
| Absolute liquidity ratio | |
| Own vs borrowed funds ratio | |
| Fixed assets renewal ratio | |
| Issuer's own and borrowed funds ratio |
| On common shares (per share in sums) | |
| On common shares (percentage of nominal value per share) | |
| On preferred shares (per share in sums) | |
| On preferred shares (percentage of nominal value per share) | |
| On other securities (per security in sums) | |
| On other securities (percentage of nominal value per security) |
| On common shares (reporting period results, in sums) | |
| On common shares (previous periods results, in sums) | |
| On preferred shares (reporting period results, in sums) | |
| On preferred shares (previous periods results, in sums) | |
| On other securities (reporting period results, in sums) | |
| On other securities (previous periods results, in sums) |
| Decision Date | Start of Duty Date | Full Name | Position | Authority Making Decision | Elected (appointed) / removed (dismissed, term expired) |
|---|
| ASSETS | |
| 1. Cash and Other Payment Documents | 75 806 807,00 |
| 2. Receivable from Central Bank | 217 885 573,00 |
| 3. Receivable from Other Banks | 18 396 718,00 |
| 4. Buy and Sell Accounts | 0,00 |
| a. Securities | 0,00 |
| b. Precious Metals, Coins, Stones | 0,00 |
| c. Minus: Reserve for Possible Losses on Buy-Sell Accounts | 1 238 152,84 |
| d. Buy-Sell Accounts, Net | 0,00 |
| 5 a. Investments | 20 000 000,00 |
| b. Minus: Reserve for Possible Losses on Investments | 0,00 |
| c. Investments, Net | 20 000 000,00 |
| 6. Securities Purchased under Repurchase Agreement | 0,00 |
| 7. Loans and Leasing Operations | 1 160 711 341,00 |
| a. Gross Loans | 1 011 599 925,97 |
| b. Leasing Operations, Gross | 148 396 168,02 |
| c. Minus: Reserve for Possible Losses on Loans and Leasing | 715 247,00 |
| d. Loans and Leasing Operations, Net | 1 159 996 094,00 |
| 8 a. Purchased Bills | 0,00 |
| b. Minus: Reserve for Possible Losses on Purchased Bills | 0,00 |
| c. Purchased Bills, Net | 0,00 |
| 9. Clients’ Liabilities on Financial Instruments | 0,00 |
| 10. Fixed Assets, Net | 116 695 733,00 |
| 11. Accrued Interest Receivable | 19 315 441,00 |
| 12. Other Bank Owned Assets | 0,00 |
| a. Investments in Real Estate | 0,00 |
| b. Other Assets Acquired Through Credit Settlements | 0,00 |
| c. Minus: Reserves for Possible Losses on Other Bank Owned Assets | 0,00 |
| d. Net Other Bank Owned Assets | 12 684 891,00 |
| 13. Other Assets | 48 743 319,00 |
| 14. Total Assets | 1 662 916 641,15 |
| LIABILITIES AND EQUITY | |
| LIABILITIES | |
| 15. Demand Deposits | 233 115 326,00 |
| 16. Savings Deposits | 0,00 |
| 17. Time Deposits | 926 236 730,00 |
| 18. Payable to Central Bank | 576 222,00 |
| 19. Payable to Other Banks | 25 057 132,00 |
| 20. Securities Sold Under Repurchase Agreements | 0,00 |
| 21. Loans and Leasing Operations Payable | 0,00 |
| 22. Subordinated Debt Obligations | 0,00 |
| 23. Accrued Interest Payable | 11 754 212,00 |
| 24. Other Liabilities | 6 153 767,00 |
| 25. Total Liabilities | 1 202 893 389,00 |
| EQUITY | |
| 26. Charter Capital | 500 000 000,00 |
| a. Shares - Common | 500 000 000,00 |
| b. Shares - Preferred | 0,00 |
| 27. Additional Capital | 0,00 |
| 28. Reserve Capital | 0,00 |
| a. General Purpose Reserve Fund | 0,00 |
| a.1. Of which, reserves created for standard assets | 0,00 |
| b. Devaluation Reserve | 0,00 |
| c. Other Reserves and Funds | 0,00 |
| 29. Retained Earnings | -39 976 748,00 |
| 30. Total Equity | 460 023 252,00 |
| 31. Total Liabilities and Equity | 1 662 916 641,00 |
| 1. INTEREST INCOME | |
| a. Interest Income from Central Bank Accounts | 492 822,00 |
| b. Interest Income from Other Bank Accounts | 21 713 499,00 |
| c. Interest Income from Purchased Bills | 0,00 |
| d. Interest Income from Investments | 0,00 |
| e. Interest Income from Buy-Sell Accounts | 0,00 |
| f. Interest Income from Client Obligations | 0,00 |
| g. Interest Income from Client Obligations on Unpaid Acceptances | 0,00 |
| h. Interest, Discounts, and Charges on Loan and Leasing Operations | 83 589 432,00 |
| i. Interest Income from Securities Repurchase Agreements | 0,00 |
| j. Other Interest Income | 0,00 |
| k. Total Interest Income | 105 795 753,00 |
| 2. INTEREST EXPENSES | |
| a. Interest Expenses on Demand Deposits | 0,00 |
| b. Interest Expenses on Savings Deposits | 0,00 |
| c. Interest Expenses on Time Deposits | 67 236 291,00 |
| d. Interest Expenses on Accounts Payable to Central Bank | 0,00 |
| e. Interest Expenses on Accounts Payable to Other Banks | 642 270,00 |
| f. Total Interest Expenses on Deposits | 67 878 561,00 |
| g. Interest Expenses on Loans Payable | 0,00 |
| h. Interest Expenses on Securities Sold with Repurchase Agreements | 0,00 |
| i. Other Interest Expenses | 1 637 918,00 |
| j. Total Interest Expenses on Borrowings | 1 637 918,00 |
| k. Total Interest Expenses | 69 516 479,00 |
| 3. NET INTEREST INCOME BEFORE PROVISION FOR LOAN AND LEASING LOSSES | 36 279 274,00 |
| a. Minus: Provision for Possible Loan and Leasing Losses | 14 475 013,00 |
| b. Net Interest Income After Provision for Loan and Leasing Losses | 21 804 261,00 |
| 4. NON-INTEREST INCOME | |
| a. Fees and Service Charges Income | 11 262 724,00 |
| b. Foreign Currency Gains | 34 175 998,00 |
| c. Profit from Commercial Operations | 0,00 |
| d. Income and Dividends from Investments | 1 558 000,00 |
| e. Other Non-Interest Income | 3 883 121,00 |
| f. Total Non-Interest Income | 50 879 843,00 |
| 5. NON-INTEREST EXPENSES | |
| a. Commissions and Service Charges | 8 581 941,00 |
| b. Foreign Currency Losses | 17 719 010,00 |
| c. Losses on Buy-Sell Accounts | 0,00 |
| d. Losses from Investments | 0,00 |
| e. Other Non-Interest Expenses | 18,00 |
| f. Total Non-Interest Expenses | 26 300 969,00 |
| 6. NET INCOME BEFORE OPERATING EXPENSES | 46 383 135,00 |
| 7. OPERATING EXPENSES | |
| a. Salaries and Other Employee Expenses | 42 197 026,00 |
| b. Rent and Maintenance | 2 736 330,00 |
| c. Travel and Transport Expenses | 392 571,00 |
| d. Administrative Expenses | 9 666 822,00 |
| e. Representation and Charity | 1 278 336,00 |
| f. Depreciation Expenses | 9 609 456,00 |
| g. Insurance, Taxes and Other Expenses | 2 949 467,00 |
| h. Total Operating Expenses | 68 830 008,00 |
| 8. NON-CREDIT LOSS ASSESSMENT | 0,00 |
| 9. NET PROFIT BEFORE TAXES AND OTHER ADJUSTMENTS | -22 446 873,00 |
| a. Income Tax Assessment | 7 709,00 |
| 10. INCOME BEFORE ADJUSTMENTS | -22 454 582,00 |
| a. Unexpected Net Gains or Losses | 0,00 |
| b. Other Adjustments to Profit, Net | 0,00 |
| 11. NET PROFIT (LOSS) | -22 454 582,00 |
| Name of the Auditing Organization | License Issue Date | License Number | Type of Conclusion | Audit Conclusion Issue Date | Audit Conclusion Number | Full Name of the Auditor(s) Conducting the Audit | Copy of the Audit Conclusion |
|---|---|---|---|---|---|---|---|
| ООО GRANT THORNTON | 2019-04-08 | 790 | Консолидированная финансовая отчетность за 2024 год и заключение независимых аудиторов | 2025-06-05 | Жамшид Каримов | Download PDF |
| Full Name or Legal Entity Name | Location (Country, Region, City, District) | Legal Basis for Recognition as an Affiliate | Date (of Basis Occurrence) |
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