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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 | 300 742,00 |
| 2. Receivable from Central Bank | 738 479,00 |
| 3. Receivable from Other Banks | 2 353 404,00 |
| 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 | 0,00 |
| d. Buy-Sell Accounts, Net | 0,00 |
| 5 a. Investments | 0,00 |
| b. Minus: Reserve for Possible Losses on Investments | 0,00 |
| c. Investments, Net | 0,00 |
| 6. Securities Purchased under Repurchase Agreement | 0,00 |
| 7. Loans and Leasing Operations | 0,00 |
| a. Gross Loans | 0,00 |
| b. Leasing Operations, Gross | 0,00 |
| c. Minus: Reserve for Possible Losses on Loans and Leasing | 0,00 |
| d. Loans and Leasing Operations, Net | 20 805 316,00 |
| 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 | 16 509 597,00 |
| 11. Accrued Interest Receivable | 0,00 |
| 12. Other Bank Owned Assets | 540 154,00 |
| 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 | 0,00 |
| 13. Other Assets | 4 137 792,00 |
| 14. Total Assets | 45 385 484,00 |
| LIABILITIES AND EQUITY | |
| LIABILITIES | |
| 15. Demand Deposits | 31 366 180,00 |
| 16. Savings Deposits | 0,00 |
| 17. Time Deposits | 0,00 |
| 18. Payable to Central Bank | 0,00 |
| 19. Payable to Other Banks | 0,00 |
| 20. Securities Sold Under Repurchase Agreements | 8 842 000,00 |
| 21. Loans and Leasing Operations Payable | 0,00 |
| 22. Subordinated Debt Obligations | 0,00 |
| 23. Accrued Interest Payable | 472 177,00 |
| 24. Other Liabilities | 38 041,00 |
| 25. Total Liabilities | 40 718 398,00 |
| EQUITY | |
| 26. Charter Capital | 9 000 000,00 |
| a. Shares - Common | 9 000 000,00 |
| b. Shares - Preferred | 0,00 |
| 27. Additional Capital | 0,00 |
| 28. Reserve Capital | 3 408 401,00 |
| 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 | -7 750 511,00 |
| 30. Total Equity | 4 667 087,00 |
| 31. Total Liabilities and Equity | 45 385 485,00 |
| 1. INTEREST INCOME | |
| a. Interest Income from Central Bank Accounts | 18 124 704,00 |
| b. Interest Income from Other Bank Accounts | 66 788,00 |
| 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 | 0,00 |
| i. Interest Income from Securities Repurchase Agreements | 0,00 |
| j. Other Interest Income | 0,00 |
| k. Total Interest Income | 18 191 492,00 |
| 2. INTEREST EXPENSES | |
| a. Interest Expenses on Demand Deposits | 2 555 315,00 |
| b. Interest Expenses on Savings Deposits | 2 167 856,00 |
| c. Interest Expenses on Time Deposits | 2 825 150,00 |
| d. Interest Expenses on Accounts Payable to Central Bank | 4 471 792,00 |
| e. Interest Expenses on Accounts Payable to Other Banks | 0,00 |
| f. Total Interest Expenses on Deposits | 12 020 113,00 |
| g. Interest Expenses on Loans Payable | 0,00 |
| h. Interest Expenses on Securities Sold with Repurchase Agreements | 0,00 |
| i. Other Interest Expenses | 0,00 |
| j. Total Interest Expenses on Borrowings | 0,00 |
| k. Total Interest Expenses | 0,00 |
| 3. NET INTEREST INCOME BEFORE PROVISION FOR LOAN AND LEASING LOSSES | 6 171 379,00 |
| a. Minus: Provision for Possible Loan and Leasing Losses | 8 057 958,00 |
| b. Net Interest Income After Provision for Loan and Leasing Losses | -1 886 579,00 |
| 4. NON-INTEREST INCOME | |
| a. Fees and Service Charges Income | 50,00 |
| b. Foreign Currency Gains | 0,00 |
| c. Profit from Commercial Operations | 0,00 |
| d. Income and Dividends from Investments | 0,00 |
| e. Other Non-Interest Income | 1 289 247,00 |
| f. Total Non-Interest Income | 1 289 297,00 |
| 5. NON-INTEREST EXPENSES | |
| a. Commissions and Service Charges | 683 619,00 |
| b. Foreign Currency Losses | 0,00 |
| c. Losses on Buy-Sell Accounts | 0,00 |
| d. Losses from Investments | 0,00 |
| e. Other Non-Interest Expenses | 0,00 |
| f. Total Non-Interest Expenses | 683 619,00 |
| 6. NET INCOME BEFORE OPERATING EXPENSES | -1 280 901,00 |
| 7. OPERATING EXPENSES | |
| a. Salaries and Other Employee Expenses | 5 045 237,00 |
| b. Rent and Maintenance | 867 871,00 |
| c. Travel and Transport Expenses | 198 593,00 |
| d. Administrative Expenses | 215 325,00 |
| e. Representation and Charity | 94 458,00 |
| f. Depreciation Expenses | 464 196,00 |
| g. Insurance, Taxes and Other Expenses | 1 249 161,00 |
| h. Total Operating Expenses | 8 134 841,00 |
| 8. NON-CREDIT LOSS ASSESSMENT | 279,00 |
| 9. NET PROFIT BEFORE TAXES AND OTHER ADJUSTMENTS | -9 416 021,00 |
| a. Income Tax Assessment | 392 931,00 |
| 10. INCOME BEFORE ADJUSTMENTS | -9 808 952,00 |
| a. Unexpected Net Gains or Losses | 0,00 |
| b. Other Adjustments to Profit, Net | 0,00 |
| 11. NET PROFIT (LOSS) | -9 808 952,00 |
| 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 |
|---|---|---|---|---|---|---|---|
| "ASR AUDIT ANDIJON" MCHJ Auditorlik tashkiloti | 2016-10-29 | 5425 | Ijobiy | 2026-03-25 | 16 | E.Qurbonova | Download PDF |
| Full Name or Legal Entity Name | Location (Country, Region, City, District) | Legal Basis for Recognition as an Affiliate | Date (of Basis Occurrence) |
|---|---|---|---|
| Teshabayev Akmaljon Ergashevich | Andijon viloyati, Buloqboshi tumani, Kulla KFY, Doʻstlik koʻchasi | Kuzatuv Kengash aʼzosi | 17.02.2025 |
| Akbarov Davronbek Ikromovich | Andijon viloyat Andijon tumani Nayman KFY Yangi obod koʻchasi 45 uy | Kuzatuv Kengash aʼzosi | 17.02.2025 |
| Maksat Dolotbakov | Кыргызстан, г.Бишкек | Kuzatuv Kengash aʼzosi | 17.02.2025 |
| Шералиев Илхомжон Баходирович | Андижон вилояти, Андижон шахар | Лицо, осуществляющее полномочия директора (председателя правления) | 04.08.2025 |
| Патиддинов Шерзодбек Бахтиёрович | Андижон вилояти, Андижон шахар | Лицо, осуществляющее полномочия члена правления | 04.08.2025 |
| Тешабоев Асилбек Эргашевич | Андижон вилояти, Булоқбоши тумани | Лицо, осуществляющее полномочия члена правления | 04.08.2025 |
| Transaction Date | Counterparty Name | Subject of the Transaction | Transaction Value | Body of the Issuer That Made the Decision | Decision Made |
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| Position name |
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