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Uzbekistan, Tashkent. Istiklal str. 29, 100017
КВАРТАЛЬНЫЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ ТРЕТЬЕГО КВАРТАЛА 2024 ГОДА
Дата раскрытия: 03.12.2024
Дата опубликования модератором*: 04.12.2024
| 1 | NAME OF THE ISSUER: | ||
| Full | "Mikrokreditbank" aksiyadorlik-tijorat banki | ||
| Short: | "Mikrokreditbank" ATB | ||
| Name of stock exchange ticker: | MCBA, MCBAP | ||
| 2 | CORPORATE NEWS | ||
| Location: | 100047, Тошкент шаҳри, Амир Темур шох кўчаси, 4-уй | ||
| Postal address: | 100047, Тошкент шаҳри, Амир Темур шох кўчаси, 4-уй | ||
| E-mail address: | info@mikrokreditbank.uz | ||
| Official Website: | www.mikrokreditbank.uz | ||
| 3 | БАНКОВСКИЕ РЕКВИЗИТЫ | ||
| Наименование обслуживающего банка: | АКБ “Микрокредитбанк” | ||
| Current account: | 29802000500000433050 | ||
| MFI: | 433 | ||
| 4 | РЕГИСТРАЦИОННЫЕ И ИДЕНТИФИКАЦИОННЫЕ НОМЕРА | ||
| присвоенные регистрирующим органом: | 37 | ||
| присвоенные органом государственной налоговой службы (ИНН): | 200547792 | ||
| присвоенные органами государственной статистики | |||
| КФС: | 144 | ||
| ОКПО: | 15142540 | ||
| ОКОНХ: | 96120 | ||
| СОАТО: | 1726294 | ||
| 5 | Balance sheet | ||
| Категории | тыс. сум. | ||
| ASSETS | |||
| 1. Cash and other payment documents | 647129984.00 | 622685588.00 | |
| 2. Due from Central Bank of Uzbekistan | 267125919.00 | 438491755.00 | |
| 3. Due from other banks | 661015599.00 | 1730525069.00 | |
| 4. Trade accounts | 26558406.00 | 256277908.00 | |
| a. Securities | 27000000.00 | 270300000.00 | |
| b. Precious metals, coins, stones | 175.00 | 175.00 | |
| c. Less: Reserves for possible losses on purchase and sale accounts | -441769.00 | -14022267.00 | |
| d. Net purchase and sale accounts | |||
| 5 а. Investments | 10107220.00 | 90859610.00 | |
| b. Less: Reserves for possible losses on investments | -15110.00 | ||
| c. Net investments | 107220.00 | 90874720.00 | |
| 6. Securities purchased under REPO agreement | 10000000.00 | ||
| 7. Loans and leasing transactions | 15399145247.00 | 16944881812.00 | |
| а. Gross loans | 15378249835.00 | 16919773777.00 | |
| b. Gross leasing transactions | 30927994.00 | 25220847.00 | |
| c. Less: Reserves for possible losses on loans and leasing transactions | 10032582.00 | 112813.00 | |
| d. Net loans and leasing transactions | 15399145247.00 | 16945107438.00 | |
| 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 | 26164164.00 | ||
| 10. Net fixed assets | 961563221.00 | 945201294.00 | |
| 11. Due accrued interest | 1469691696.00 | 1647545915.00 | |
| 12. Other owned property of the bank | 376300792.00 | 471975133.00 | |
| а. Investments in real estate | 20859892.00 | ||
| b. Other assets acquired during credit settlements | 472724205.00 | ||
| c. Less: Reserves for possible losses on other own property of the bank | -749072.00 | ||
| d. Net other owned property of the bank | |||
| 13. Other assets | 485765658.00 | 545413113.00 | |
| 14. Total assets | 20304403742.00 | 23595437326.00 | |
| LIABILITIES AND EQUITY | |||
| LIABILITIES | |||
| 15. Demand deposits | 776086108.00 | 1078530208.00 | |
| 16.Savings deposits | 4322443.00 | ||
| 17. Term deposits | 5731484777.00 | 5965267254.00 | |
| 18. Due to Central Bank of Uzbekistan | 212312.00 | 267534.00 | |
| 19. Due to other banks | 1907349307.00 | 1698711042.00 | |
| 20. Securities sold under REPO agreement | |||
| 21. Due loans and leasing operations | 5880018981.00 | 8301927553.00 | |
| 22. Subordinated debt obligations | 50000000.00 | 689295951.00 | |
| 23. Due accrued interests | 117717738.00 | 21050678.00 | |
| 24. Other liabilities | 1900688071.00 | 1904125374.00 | |
| 25. Total liabilities | 16367879737.00 | 19659175594.00 | |
| EQUITY | |||
| 26. Authorized capital | 3795323565.00 | 3795323565.00 | |
| а. Ordinary shares | 3795179385.00 | 3795179385.00 | |
| b. Privileged stocks | 144180.00 | 144180.00 | |
| 27. Additional paid-in capital | |||
| 28. Reserve capital | 31840708.00 | 33350087.00 | |
| а. Reserve fund for general purposes | 31840708.00 | 27856392.00 | |
| а.1.out of which:, reserves created on standard assets | 125375475.00 | ||
| b. Reserve for devaluation | |||
| c. Other reserves and funds | 5493695.00 | ||
| 29. Retained profit | 109359733.00 | 107588080.00 | |
| 30. Total equity | 3936524006.00 | 3936261732.00 | |
| 31. Total liabilities and equity | 20304403742.00 | 23595437326.00 | |
| 6 | Report on financial results | ||
| Категории | тыс. сум. | ||
| 1. INTEREST INCOME | |||
| a. Interest income in accounts at the Central Bank of Uzbekistan | 23581438.00 | ||
| b. Interest income in accounts at other banks | 27561688.00 | ||
| c. Interest income on purchased commercial notes | |||
| d. Interest income on investments | |||
| e. Interest income on securities’ purchase and sale accounts | 27561688.00 | ||
| 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 | 1953728323.00 | ||
| i. Interest income on purchased securities under REPO agreements | |||
| j. Other interest income | 946874573.00 | ||
| k. Total interest income | 2957058891.00 | ||
| 2. INTEREST EXPENSES | |||
| а. Interest expenses on demand deposits | 41376315.00 | ||
| b. Interest expenses on savings deposits | |||
| c. Interest expenses on term deposits | 797719681.00 | ||
| d. Interest expenses due to the Central Bank of Uzbekistan | |||
| e. Interest expenses due to other banks | 167886409.00 | ||
| f. Total interest expenses on deposits | 1006982405.00 | ||
| g. Due interest expenses on loans | 510010085.00 | ||
| h. Interest expenses on sold securities under REPO agreements | |||
| i. Other interest expenses | 833175785.00 | ||
| j. Total interest expenses on liabilities | 1343185870.00 | ||
| k. Total interest expenses | 2350168275.00 | ||
| 3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING | 606890616.00 | ||
| а. Less: Estimation of possible losses on loans and leasing | 345742161.00 | ||
| b. Net interest income after estimation of possible losses on loans and leasing | 261148455.00 | ||
| 4. NON-INTEREST INCOME | |||
| a. Income on commission and fees for services | 195088516.00 | ||
| b. Profit in foreign currency | 422638582.00 | ||
| c. Profit on commercial operations | |||
| d. Profit and dividends on investments | 1257995.00 | ||
| e. Other non-interest income | 316725665.00 | ||
| f. Total non-interest income | 935710758.00 | ||
| 5. NON-INTEREST EXPENSES | |||
| а. Expenses on commission and fees for service | 90471649.00 | ||
| b. Losses in foreign currency | 401366941.00 | ||
| c. Losses on purchase and sale accounts | |||
| d. Losses from investments | |||
| e. Other non-interest expenses | 7859170.00 | ||
| f. Total non-interest expenses | 499697760.00 | ||
| 6. NET INCOME BEFORE OPERATING EXPENSES | 697161453.00 | ||
| 7. OPERATING EXPENSES | |||
| а. Salaries and other expenses for employees | 400703659.00 | ||
| b. Lease and maintenance | 85267818.00 | ||
| c. Assignment and transportation expenses | 8408598.00 | ||
| d. Administrative expenses | 16689100.00 | ||
| e. Representation and charity | 28541498.00 | ||
| f. Depreciation | 73624349.00 | ||
| g. Insurance, taxes and other expenses | 65091197.00 | ||
| h. Total operating expenses | 678326219.00 | ||
| 8. ESTIMATION OF NON-LOAN LOSSES | |||
| 9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS | 18820124.00 | ||
| а. Estimation of income tax | 14876479.00 | ||
| 10. INCOME BEFORE AMENDMENTS | 3943645.00 | ||
| а. Net unexpected income or loss | |||
| b. Other net adjustments to profit | |||
| 11. NET PROFIT (LOSS) | 3943645.00 | ||
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