AKSIYADORLIK-TIJORAT BANKI "UNIVERSAL BANK"

КВАРТАЛЬНЫЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ ПЕРВОГО ПОЛУГОДИЯ 2023 ГОДА

Дата раскрытия: 17.07.2023

Дата опубликования модератором*: 18.07.2023

1	NAME OF THE ISSUER:
	Full	Aksiyadorlik-tijorat banki "Universal bank"
	Short:	ATB "Universal bank"
	Name of stock exchange ticker:	UNVB
2	CORPORATE NEWS
	Location:	Ферганская область, г. Коканд, ул.Шохрухобод
	Postal address:	150700, Ферганская область, г. Коканд, ул.Шохрухобод
	E-mail address:	info@universalbank.uz
	Official Website:	www.universalbank.uz
3	БАНКОВСКИЕ РЕКВИЗИТЫ
	Наименование обслуживающего банка:	АКБ "Универсал банк"
	Current account:	29896000
	MFI:	973
4	РЕГИСТРАЦИОННЫЕ И ИДЕНТИФИКАЦИОННЫЕ НОМЕРА
	присвоенные регистрирующим органом:
	присвоенные органом государственной налоговой службы (ИНН):	203556638
	присвоенные органами государственной статистики
	КФС:	144
	ОКПО:	18017857
	ОКОНХ:	96120
	СОАТО:	1730405

5	Balance sheet
	Категории	тыс. сум.
	ASSETS
	1. Cash and other payment documents	174105553.00
	2. Due from Central Bank of Uzbekistan	218292842.00
	3. Due from other banks	118626597.00
	4. Trade accounts	139320357.00
	a. Securities
	b. Precious metals, coins, stones
	c. Less: Reserves for possible losses on purchase and sale accounts
	d. Net purchase and sale accounts	139320357.00
	5 а. Investments
	b. Less: Reserves for possible losses on investments
	c. Net investments
	6. Securities purchased under REPO agreement	150038950.00
	7. Loans and leasing transactions
	а. Gross loans	1070526565.00
	b. Gross leasing transactions	491981.00
	c. Less: Reserves for possible losses on loans and leasing transactions	9222921.00
	d. Net loans and leasing transactions	1060394920.00
	8 а. Purchased commercial notes
	b. Less: Reserves for possible losses on purchased commercial notes
	c. Net purchased commercial papers
	9. Liabilities of customers on financial instruments
	10. Net fixed assets	199423774.00
	11. Due accrued interest	23669445.00
	12. Other owned property of the bank	174890.00
	а. Investments in real estate
	b. Other assets acquired during credit settlements	174890.00
	c. Less: Reserves for possible losses on other own property of the bank
	d. Net other owned property of the bank	174890.00
	13. Other assets	105455078.00
	14. Total assets	2189994399.00
	LIABILITIES AND EQUITY
	LIABILITIES
	15. Demand deposits		617114464.00
	16.Savings deposits
	17. Term deposits		942600387.00
	18. Due to Central Bank of Uzbekistan		4319241.00
	19. Due to other banks		97936512.00
	20. Securities sold under REPO agreement
	21. Due loans and leasing operations		52031926.00
	22. Subordinated debt obligations
	23. Due accrued interests		10507645.00
	24. Other liabilities		64162267.00
	25. Total liabilities		1788672442.00
	EQUITY
	26. Authorized capital
	а. Ordinary shares		150000000.00
	b. Privileged stocks
	27. Additional paid-in capital		72333.00
	28. Reserve capital		7950433.00
	а. Reserve fund for general purposes		6506901.00
	а.1.out of which:, reserves created on standard assets
	b. Reserve for devaluation
	c. Other reserves and funds		1443532.00
	29. Retained profit		243299191.00
	30. Total equity		401321957.00
	31. Total liabilities and equity		2189994399.00

6	Report on financial results
	Категории	тыс. сум.
	1. INTEREST INCOME
	a. Interest income in accounts at the Central Bank of Uzbekistan	6326575.00
	b. Interest income in accounts at other banks	5757012.00
	c. Interest income on purchased commercial notes
	d. Interest income on investments
	e. Interest income on securities’ purchase and sale accounts	5618318.00
	f. Interest income on customer liabilities
	g. Interest income on customers liabilities on the outstanding acceptances of the bank
	h. Interest, discount (discounts) and contributions on credit and leasing transactions	98075997.00
	i. Interest income on purchased securities under REPO agreements	5961064.00
	j. Other interest income	80990766.00
	k. Total interest income	202729732.00
	2. INTEREST EXPENSES
	а. Interest expenses on demand deposits	63016.00
	b. Interest expenses on savings deposits
	c. Interest expenses on term deposits	69259720.00
	d. Interest expenses due to the Central Bank of Uzbekistan
	e. Interest expenses due to other banks	1015493.00
	f. Total interest expenses on deposits	70338229.00
	g. Due interest expenses on loans	1721595.00
	h. Interest expenses on sold securities under REPO agreements
	i. Other interest expenses	77112065.00
	j. Total interest expenses on liabilities	78833660.00
	k. Total interest expenses	149171889.00
	3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING	53557843.00
	а. Less: Estimation of possible losses on loans and leasing	10577055.00
	b. Net interest income after estimation of possible losses on loans and leasing	42980788.00
	4. NON-INTEREST INCOME
	a. Income on commission and fees for services	140861920.00
	b. Profit in foreign currency	81529130.00
	c. Profit on commercial operations
	d. Profit and dividends on investments
	e. Other non-interest income	10315796.00
	f. Total non-interest income	232706846.00
	5. NON-INTEREST EXPENSES
	а. Expenses on commission and fees for service	59870820.00
	b. Losses in foreign currency	51428573.00
	c. Losses on purchase and sale accounts
	d. Losses from investments
	e. Other non-interest expenses	136287.00
	f. Total non-interest expenses	111435680.00
	6. NET INCOME BEFORE OPERATING EXPENSES	162753110.00
	7. OPERATING EXPENSES
	а. Salaries and other expenses for employees	39674888.00
	b. Lease and maintenance	7970960.00
	c. Assignment and transportation expenses	586327.00
	d. Administrative expenses	5094933.00
	e. Representation and charity	4387557.00
	f. Depreciation	11602090.00
	g. Insurance, taxes and other expenses	3495295.00
	h. Total operating expenses	72812050.00
	8. ESTIMATION OF NON-LOAN LOSSES	3319983.00
	9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS	89474054.00
	а. Estimation of income tax	18196357.00
	10. INCOME BEFORE AMENDMENTS	71277697.00
	а. Net unexpected income or loss
	b. Other net adjustments to profit
	11. NET PROFIT (LOSS)	71277697.00

7	Responsible persons
	Full name of the Executive body’s Head:	Буваназаров Алишер Анварович
	Full name of the chief accountant:	Шадманов Рашид Рустамович
	Full name of authorized person, who published information on the website:	Исаков Шохрух Илхомович

Issuer is responsibe for the accuracy and completeness of information published on the portal by him

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