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| Overall solvency coverage ratio | 1,11 |
| Absolute liquidity ratio | 2,21 |
| Issuer's own and borrowed funds ratio | 4,85 |
| Return on charter capital ratio | |
| Own vs borrowed funds ratio | |
| Fixed assets renewal ratio |
| On common shares (per share in sums) | 170,58 |
| On common shares (percentage of nominal value per share) | 17,05 |
| 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) | 0 |
| On common shares (previous periods results, in sums) | 0 |
| 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) |
|---|
| Body that approved the issuance | Наблюдательный совет |
| Date and number of state registration | P0937-5 от 22.05.2025 |
| Number of securities (pcs) and issue volume (sum) | 7676000 |
| Method of securities placement | закрытая подписка |
| Placement period | 365 дней |
| Start date | 22.05.2025 |
| End date | 18.06.2026 |
| Орган, принявший решение о выпуске | Наблюдательный совет |
| Дата и номер государственной регистрации | P0937-6 от 20.11.2025 |
| Количество ценных бумаг (шт.) и объем выпуска (сум) | 27 324 000 шт |
| Способ размещения ценных бумаг | закрытая подписка |
| Сроки размещения | 365 дней |
| Дата начала | 20.11.2025 |
| Дата окончания | 28.11.2025 |
| Name of the Significant Fact | Significant Fact Number | Date of Occurrence of the Significant Fact | Publication Date of the Significant Fact |
|---|---|---|---|
| Management body changes | 8 | 05.04.2025 | 08.04.2025 |
| Management body decisions | 6 | 05.04.2025 | 08.04.2025 |
| Management body decisions | 6 | 21.04.2025 | 22.04.2025 |
| Large transaction | 20 | 01.05.2025 | 05.05.2025 |
| Deal >10% of assets | 19 | 01.05.2025 | 05.05.2025 |
| Management recommendation on dividend payments | 41 | 02.05.2025 | 05.05.2025 |
| Securities issuance | 25 | 22.05.2025 | 26.05.2025 |
| Management body decisions | 6 | 27.05.2025 | 27.05.2025 |
| Securities income accrual | 32 | 27.05.2025 | 27.05.2025 |
| Management body decisions | 6 | 14.07.2025 | 16.07.2025 |
| Dividend payments | 42 | 22.07.2025 | 24.07.2025 |
| Management body decisions | 6 | 15.10.2025 | 16.10.2025 |
| Securities issuance | 25 | 20.11.2025 | 21.11.2025 |
| Acquisition of shares >20% of capital | 44 | 04.12.2025 | 05.12.2025 |
| Affiliate list changes | 36 | 04.12.2025 | 05.12.2025 |
| Management body decisions | 6 | 26.12.2025 | 26.12.2025 |
| Indicator Name | Row Code | At the Beginning of the Reporting Period | At the End of the Reporting Period |
|---|---|---|---|
| ASSETS | |||
| I. Long-Term Assets | |||
| Fixed Assets: | |||
| Original (Replacement) Cost (0100,0300) | 010 | 63 554 789,85 | 131 295 505,62 |
| Depreciation Amount (0200) | 011 | 21 124 565,28 | 18 548 397,93 |
| Residual (Balance) Value (010-011) | 012 | 42 430 224,57 | 112 747 107,69 |
| Intangible Assets: | |||
| Original Cost (0400) | 020 | 178 000,00 | 178 000,00 |
| Depreciation Amount (0500) | 021 | 178 000,00 | 178 000,00 |
| Residual (Balance) Value (020-021) | 022 | 0,00 | 0,00 |
| Long-Term Investments, Total (040+050+060+070+080), including: | 030 | 20 902 297,65 | 1 402 297,65 |
| Securities (0610) | 040 | 1 402 297,65 | 1 402 297,65 |
| Investments in Subsidiaries (0620) | 050 | 0,00 | 0,00 |
| Investments in Associates (0630) | 060 | 0,00 | 0,00 |
| Investments in Foreign Capital Enterprises (0640) | 070 | 0,00 | 0,00 |
| Other Long-Term Investments (0690) | 080 | 19 500 000,00 | 0,00 |
| Equipment for Installation (0700) | 090 | 0,00 | 0,00 |
| Capital Expenditures (0800) | 100 | 0,00 | 0,00 |
| Long-Term Receivables (0910,0920,0930,0940) | 110 | 0,00 | 0,00 |
| Long-Term Deferred Expenses (0950,0960,0990) | 120 | 0,00 | 0,00 |
| Section I Total (012+022+030+090+100+110+120) | 130 | 63 332 522,22 | 114 149 405,34 |
| II. Current Assets | |||
| Inventories, Total (150+160), including: | 140 | 0,00 | 0,00 |
| Materials (1000,1500,1600) | 150 | 0,00 | 0,00 |
| Unfinished Services (2000,2300,2700) | 160 | 0,00 | 0,00 |
| Prepaid Expenses (3100) | 170 | 0,00 | 0,00 |
| Deferred Expenses (3200) | 180 | 0,00 | 0,00 |
| Debtors, Total (200+310+320+330+340+350+360+370+380+390) | 190 | 67 425 934,30 | 86 272 145,58 |
| of which: overdue | 191 | 0,00 | 0,00 |
| Accounts Payable, Total (210+220-400) | 200 | 61 194 190,46 | 58 756 702,61 |
| Customer and Client Debt (4010,4020) | 210 | 0,00 | 0,00 |
| Debtors from Insurance Operations, Total (230+240+250+260+270+280+290+300) | 220 | 61 194 190,46 | 58 756 702,61 |
| Policyholders Debt (4030) | 230 | 262 757,26 | 313 936,81 |
| Insurance Agents and Brokers Debt (4040) | 240 | 102 933,92 | 73 960,02 |
| Reinsurers Debt (4050) | 250 | 60 828 499,28 | 58 368 805,78 |
| Reinsurers Debt for Commissions, Royalties and Other Fees (4051) | 260 | 0,00 | 0,00 |
| Reinsurers Debt (4060) | 270 | 0,00 | 0,00 |
| Life Insurance Loans (4070) | 280 | 0,00 | 0,00 |
| Insurer Loss Deposits at Other Insurers (4080) | 290 | 0,00 | 0,00 |
| Insurer Premium Deposits at Other Insurers (4090) | 300 | 0,00 | 0,00 |
| Separate Units Debt (4110) | 310 | 0,00 | 0,00 |
| Subsidiaries and Associates Debt (4120) | 320 | 0,00 | 0,00 |
| Advances to Employees (4200) | 330 | 0,00 | 0,00 |
| Advances to Suppliers and Contractors (4300) | 340 | 5 089 014,16 | 3 997 179,16 |
| Advance Payments to Budget (4400) | 350 | 601 229,00 | 1 352 701,33 |
| Advance Payments to State Target Funds and Insurance (4500) | 360 | 0,00 | 0,00 |
| Founders’ Contributions to Charter Capital (4600) | 370 | 0,00 | 0,00 |
| Employee Other Operations Debt (4700) | 380 | 71 352,54 | 239 782,04 |
| Other Debtors (4800) | 390 | 470 148,14 | 21 925 780,45 |
| Provision for Doubtful Debts (4900) | 400 | 0,00 | 0,00 |
| Cash, Total (420+430+440+450), including: | 410 | 2 611 386,26 | 7 301 284,39 |
| Cash in Hand (5000) | 420 | 0,00 | 0,00 |
| Cash in Bank Accounts (5100) | 430 | 1 913 661,94 | 5 783 784,48 |
| Cash in Foreign Currency (5200) | 440 | 563 902,61 | 1 291 946,60 |
| Other Cash and Equivalents (5500,5600,5700) | 450 | 133 821,70 | 225 553,32 |
| Short-Term Investments (5800) | 460 | 37 713 483,79 | 92 049 721,67 |
| Other Current Assets (5900) | 470 | 0,00 | 0,00 |
| Section II Total (140+170+180+190+410+460+470) | 480 | 107 750 804,35 | 185 623 151,65 |
| Total Balance Sheet Assets (130+480) | 490 | 171 083 326,57 | 299 772 556,99 |
| LIABILITIES | |||
| I. Sources of Own Funds | |||
| Charter Capital (8300) | 500 | 45 000 000,00 | 80 000 000,00 |
| Additional Capital (8400) | 510 | 0,00 | 0,00 |
| Reserve Capital (8500) | 520 | 5 422 923,83 | 81 122 674,19 |
| Repurchased Own Shares (8600) | 530 | 0,00 | 0,00 |
| Retained Earnings (Uncovered Loss) (8700) | 540 | 8 080 159,71 | -28 853 375,13 |
| Target Receipts (8800) | 550 | 0,00 | 0,00 |
| Provisions for Future Expenses and Payments (8900) | 560 | 0,00 | 0,00 |
| Section I Total (500+510+520-530+540+550+560) | 570 | 58 503 083,54 | 132 269 299,07 |
| II. Insurance Reserves | |||
| Insurance Reserves, Total (590+600+610+620+630+640+650+660) | 580 | 57 303 390,33 | 165 120 538,24 |
| Unearned Premium Reserve (8010) | 590 | 35 523 839,63 | 135 696 507,12 |
| Incurred but Not Reported Loss Reserve (8020) | 600 | 10 768 622,65 | 17 285 034,78 |
| Reported but Not Settled Loss Reserve (8030) | 610 | 2 000 071,01 | 1 150 847,35 |
| Preventive Measures Reserve (8040) | 620 | 0,00 | 0,00 |
| Asset Mismatch Reserve (8050) | 630 | 0,00 | 0,00 |
| Catastrophe Reserve (8060) | 640 | 0,00 | 0,00 |
| Loss Fluctuation Reserve (8070) | 650 | 9 010 857,05 | 10 988 148,99 |
| Life Insurance Reserves (8090) | 660 | 0,00 | 0,00 |
| Reinsurers’ Share in Insurance Reserves, Total (680+690+700+710) | 670 | 8 842 921,95 | 42 633 914,66 |
| Reinsurers’ Share in Unearned Premium Reserve (8110) | 680 | 2 484 382,80 | 36 174 361,55 |
| Reinsurers’ Share in Reported but Not Settled Loss Reserve (8120) | 690 | 0,00 | 0,00 |
| Reinsurers’ Share in Incurred but Not Reported Loss Reserve (8130) | 700 | 6 358 539,15 | 6 459 553,11 |
| Reinsurers’ Share in Life Insurance Reserves (8140) | 710 | 0,00 | 0,00 |
| Section II Total (580-670) | 720 | 48 460 468,38 | 122 486 623,59 |
| III. LIABILITIES | |||
| Long-Term Liabilities, Total (740+750+850+860+870+880+890+900+910+920) | 730 | 4 972 447,51 | 0,00 |
| Including: Long-Term Accounts Payable (740+760+770+780+790+800+820+830+850+870+890+920) | 731 | 0,00 | 0,00 |
| Long-Term Debt to Suppliers and Contractors (7010,7020) | 740 | 0,00 | 0,00 |
| Long-Term Liabilities for Insurance Operations, Total (760+770+780+790+800+810+820+830) | 750 | 0,00 | 0,00 |
| Long-Term Debt to Contractors for Preventive Measures (7011) | 760 | 0,00 | 0,00 |
| Long-Term Debt to Policyholders (7030) | 770 | 0,00 | 0,00 |
| Long-Term Debt to Insurance Agents and Brokers (7040) | 780 | 0,00 | 0,00 |
| Long-Term Debt to Reinsurers (7050) | 790 | 0,00 | 0,00 |
| Long-Term Debt to Reinsurers (7060) | 800 | 0,00 | 0,00 |
| Reinsurers Premium Deposits (7070) | 810 | 0,00 | 0,00 |
| Long-Term Debt to Reinsurers for Commissions, Royalties and Other Fees (7080) | 820 | 0,00 | 0,00 |
| Long-Term Debt to Actuaries, Adjusters, Surveyors and Assistants (7090) | 830 | 0,00 | 0,00 |
| Long-Term Debt to Separate Units (7110) | 840 | 0,00 | 0,00 |
| Long-Term Debt to Subsidiaries and Associates (7120) | 850 | 0,00 | 0,00 |
| Long-Term Deferred Income (7210,7220,7230) | 860 | 0,00 | 0,00 |
| Long-Term Deferred Liabilities for Taxes and Other Obligatory Payments (7240) | 870 | 0,00 | 0,00 |
| Other Long-Term Deferred Liabilities (7250,7290) | 880 | 0,00 | 0,00 |
| Advances from Customers and Clients (7300) | 890 | 0,00 | 0,00 |
| Long-Term Bank Loans (7810) | 900 | 4 972 447,51 | 0,00 |
| Long-Term Borrowings (7820,7830,7840) | 910 | 0,00 | 0,00 |
| Other Long-Term Creditor Debts (7900) | 920 | 0,00 | 0,00 |
| Current Liabilities, Total (940+950+1050+1060+1070+1080+1090+1100+1110+1120+1130+1140+1150+1160+1170+1180) | 930 | 59 147 327,13 | 45 016 634,34 |
| Including: Current Accounts Payable (940+960+970+980+990+1000+1020+1030+1050+1070+1090+1100+1110+1120+1130+1140+1180) | 931 | 59 147 327,13 | 45 016 634,34 |
| of which: Overdue Current Accounts Payable | 932 | 0,00 | 0,00 |
| Debt to Suppliers and Contractors (6010,6020) | 940 | 183 873,12 | 300 897,42 |
| Liabilities from Insurance Operations, Total (960+970+980+990+1000+1010+1020+1030) | 950 | 55 328 832,23 | 41 144 042,91 |
| Debt to Contractors for Preventive Measures (6011) | 960 | 0,00 | 0,00 |
| Debt to Policyholders (6030) | 970 | 2 947,78 | 114 802,47 |
| Debt to Insurance Agents and Brokers (6040) | 980 | 229 124,26 | 473 114,40 |
| Debt to Reinsurers (6050) | 990 | 0,00 | 0,00 |
| Debt to Reinsurers (6060) | 1000 | 54 932 264,94 | 40 508 556,41 |
| Reinsurers Premium Deposits (6070) | 1010 | 0,00 | 0,00 |
| Debt to Reinsurers for Commissions, Royalties and Other Fees (6080) | 1020 | 0,00 | 0,00 |
| Debt to Actuaries, Adjusters, Surveyors and Assistants (6090) | 1030 | 164 495,26 | 47 569,62 |
| Debt to Separate Units (6110) | 1040 | 0,00 | 0,00 |
| Debt to Subsidiaries and Associates (6120) | 1050 | 0,00 | 0,00 |
| Deferred Income (6210,6220,6230) | 1060 | 0,00 | 0,00 |
| Deferred Liabilities for Taxes and Other Obligatory Payments (6240) | 1070 | 0,00 | 0,00 |
| Other Deferred Liabilities (6250,6290) | 1080 | 0,00 | 0,00 |
| Received Advances (6300) | 1090 | 0,00 | 0,00 |
| Debt for Payments to Budget (6400) | 1100 | 545 008,00 | 690 904,72 |
| Debt for Insurance (6510) | 1110 | 104 288,09 | 601 305,48 |
| Debt for Payments to State Target Funds (6520) | 1120 | 1 375,52 | 5 025,82 |
| Debt to Founders (6600) | 1130 | 0,00 | 0,00 |
| Debt for Wages (6700) | 1140 | 580 167,55 | 1 790 931,80 |
| Short-Term Bank Loans (6810) | 1150 | 0,00 | 0,00 |
| Short-Term Borrowings (6820,6830,6840) | 1160 | 0,00 | 0,00 |
| Current Part of Long-Term Liabilities (6950) | 1170 | 0,00 | 0,00 |
| Other Accounts Payable (6900 except 6950) | 1180 | 2 403 782,62 | 483 526,19 |
| Section III Total (730+930) | 1190 | 64 119 774,65 | 45 016 634,34 |
| Total Liabilities on Balance Sheet (570+720+1190) | 1200 | 171 083 326,57 | 299 772 556,99 |
| Indicator Name | Row Code | For the Corresponding Period of the Previous Year | For the Reporting Period | ||
|---|---|---|---|---|---|
| Income (Profit) | Expenses (Losses) | Income (Profit) | Expenses (Losses) | ||
| Income from Insurance Services (011-012+013+/-014+/-015+/-016+/-017+/-018+019), including: | 010 | 53 257 267,79 | 0,00 | 75 332 971,03 | 0,00 |
| Insurance premiums for direct insurance and co-insurance (portion of insurer’s share in co-insurance agreement) | 011 | 48 925 011,67 | 0,00 | 129 965 412,09 | 0,00 |
| Insurance premiums on contracts ceded to reinsurance | 012 | 0,00 | 64 297 372,68 | 0,00 | 66 107 607,57 |
| Insurance premiums on contracts accepted for reinsurance | 013 | 64 841 404,21 | 0,00 | 84 121 847,70 | 0,00 |
| Result of change in unearned premium reserve, adjusted for reinsurers’ share | 014 | 0,00 | -1 910 843,26 | 0,00 | 66 689 970,17 |
| Result of change in reported but unpaid claims reserve, adjusted for reinsurers’ share | 015 | 0,00 | -1 119 193,09 | 0,00 | -849 223,66 |
| Result of change in incurred but not reported claims reserve, adjusted for reinsurers’ share | 016 | 0,00 | -899 452,27 | 0,00 | 6 371 387,94 |
| Result of change in life insurance reserves, adjusted for reinsurers’ share | 017 | 0,00 | 0,00 | 0,00 | 0,00 |
| Result of change in other technical reserves, adjusted for reinsurers’ share | 018 | 0,00 | 1 325 369,82 | 0,00 | 1 977 291,94 |
| Other income from insurance services | 019 | 1 184 105,79 | 0,00 | 1 542 745,20 | 0,00 |
| Income from intermediary services | 020 | 0,00 | 0,00 | 0,00 | 0,00 |
| Income from reimbursements of loss shares under reinsurance | 030 | 130 727,60 | 0,00 | 39 579,60 | 0,00 |
| Income from commissions, royalties and fees under reinsurance | 040 | 138 542,84 | 0,00 | 16 148,13 | 0,00 |
| Income from surveyor and adjuster services | 050 | 0,00 | 0,00 | 0,00 | 0,00 |
| Net revenue from insurance services (010+020+030+040+050) | 060 | 53 526 538,24 | 0,00 | 75 388 698,76 | 0,00 |
| Cost of insurance services provided | 070 | 0,00 | 29 851 767,75 | 0,00 | 52 299 136,24 |
| Gross profit (loss) from insurance services (060-070) | 080 | 23 674 770,49 | 0,00 | 23 089 562,51 | 0,00 |
| Period expenses, total (100+110+120+130), including: | 090 | 0,00 | 34 738 205,81 | 0,00 | 79 513 351,12 |
| Selling expenses | 100 | 0,00 | 0,00 | 0,00 | 0,00 |
| Administrative expenses | 110 | 0,00 | 15 247 222,44 | 0,00 | 24 303 229,96 |
| Other operating expenses | 120 | 0,00 | 19 490 983,37 | 0,00 | 55 210 121,16 |
| Period expenses excluded from future taxable base | 130 | 0,00 | 0,00 | 0,00 | 0,00 |
| Other income from main operations | 140 | 16 625 864,23 | 0,00 | 18 607 110,96 | 0,00 |
| Profit (loss) from main operations (080-090+140) | 150 | 5 562 428,91 | 0,00 | 0,00 | 37 816 677,65 |
| Income from financial activities, total (170+180+190+200+210), including: | 160 | 6 631 517,75 | 0,00 | 14 049 547,23 | 0,00 |
| Dividend income | 170 | 0,00 | 0,00 | 0,00 | 0,00 |
| Interest income | 180 | 5 221 674,34 | 0,00 | 9 272 912,34 | 0,00 |
| Income from long-term leases (leasing) | 190 | 0,00 | 0,00 | 0,00 | 0,00 |
| Income from foreign exchange differences | 200 | 1 409 843,40 | 0,00 | 4 771 200,08 | 0,00 |
| Other income from financial activities | 210 | 0,00 | 0,00 | 5 434,80 | 0,00 |
| Expenses from financial activities, total (230+240+250+260), including: | 220 | 0,00 | 2 186 674,09 | 0,00 | 5 086 396,44 |
| Interest expenses | 230 | 0,00 | 1 341 270,07 | 0,00 | 211 283,29 |
| Interest expenses on long-term leases (leasing) | 240 | 0,00 | 0,00 | 0,00 | 0,00 |
| Losses from foreign exchange differences | 250 | 0,00 | 845 404,02 | 0,00 | 4 595 354,49 |
| Other expenses from financial activities | 260 | 0,00 | 0,00 | 0,00 | 279 758,65 |
| Profit (loss) from general business activities (150+160-220) | 270 | 10 007 272,56 | 0,00 | 0,00 | 28 853 526,86 |
| Extraordinary profits and losses | 280 | 0,00 | 0,00 | 0,00 | 0,00 |
| Profit (loss) before income tax (270+/-280) | 290 | 10 007 272,56 | 0,00 | 0,00 | 28 853 526,86 |
| Income tax | 300 | 0,00 | 1 927 116,64 | 0,00 | 0,00 |
| Other taxes and mandatory payments from profit | 310 | 0,00 | 0,00 | 0,00 | 0,00 |
| Net profit (loss) for the reporting period (290-300-310) | 320 | 8 080 155,92 | 0,00 | 0,00 | 28 853 526,86 |
| 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 "AUDIT INCOME" | 2019-03-29 | 743 | Положительное | 2026-04-10 | 1 | Чурсина Т.А. | Download PDF |
| Full Name or Legal Entity Name | Location (Country, Region, City, District) | Legal Basis for Recognition as an Affiliate | Date (of Basis Occurrence) |
|---|---|---|---|
| Тандалидис Дмитрий Николаевич | Республика Узбекистан, г.Ташкент | Член НС | 07.03.2024 |
| Сарапулова Ксенья Константиновна | Республика Узбекистан, г.Ташкент | Член НС | 07.03.2024 |
| Гайнулин Тимур Ернестович | Республика Узбекистан, г.Ташкент | Член НС | 07.03.2024 |
| Мамедов Рустам Рашидович | Республика Узбекистан, г.Ташкент, ул.Беш Агач, дом 14, квартира 61 | Лицо, осуществляющее полномочия директора (председателя правления) | 17.01.2022 |
| ООО "INTEGRAL ASIA" | Республика Узбекистан, г.Ташкент, ул.Фергана Йўли,13/12 | Юр. лицо, которое владеет 20 и более процентами акций АО | 17.01.2022 |
| Transaction Date | Counterparty Name | Subject of the Transaction | Transaction Value | Body of the Issuer That Made the Decision | Decision Made |
|---|