АКЦИОНЕРНОЕ ОБЩЕСТВО "AVO BANK"

КВАРТАЛЬНЫЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ ПЕРВОГО КВАРТАЛА 2025 ГОДА

Дата раскрытия: 25.04.2025

1	NAME OF THE ISSUER:
	Full	Акционерное общество "AVO bank"
	Short:	АО "AVO bank"
	Name of stock exchange ticker:	No
2	CORPORATE NEWS
	Location:	Республика Узбекистан, город Ташкент
	Postal address:	100060, Республика Узбекистан, город Ташкент, Мирабадский район, улица Нукус, дом 29А
	E-mail address:	info@avo.uz
	Official Website:	avo.uz
3	БАНКОВСКИЕ РЕКВИЗИТЫ
	Наименование обслуживающего банка:	АО «AVO bank»
	Current account:	1030 1000 1000 0115 0001
	MFI:	01150
4	РЕГИСТРАЦИОННЫЕ И ИДЕНТИФИКАЦИОННЫЕ НОМЕРА
	присвоенные регистрирующим органом:	16/1
	присвоенные органом государственной налоговой службы (ИНН):	207257279
	присвоенные органами государственной статистики
	КФС:
	ОКПО:	27230030
	ОКОНХ:	64190
	СОАТО:	1726273

5	Balance sheet
	Категории	тыс. сум.
	ASSETS
	1. Cash and other payment documents	7456129.00	11649111.00
	2. Due from Central Bank of Uzbekistan	163566201.62	65825960.03
	3. Due from other banks	28722331.65	24514990.07
	4. Trade accounts	3923848.05	10922366.85
	a. Securities	3923848.05	10922366.85
	b. Precious metals, coins, stones
	c. Less: Reserves for possible losses on purchase and sale accounts
	d. Net purchase and sale accounts
	5 а. Investments
	b. Less: Reserves for possible losses on investments
	c. Net investments
	6. Securities purchased under REPO agreement
	7. Loans and leasing transactions	258326633.77	367237616.42
	а. Gross loans	283447664.17	403322891.88
	b. Gross leasing transactions
	c. Less: Reserves for possible losses on loans and leasing transactions	-25121030.40	-36085275.47
	d. Net loans and leasing transactions
	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	49020082.70	44694659.95
	11. Due accrued interest	13912679.87	17257380.67
	12. Other owned property of the bank
	а. Investments in real estate
	b. Other assets acquired during credit settlements	8362486.23	8362486.23
	c. Less: Reserves for possible losses on other own property of the bank	8362486.23	8362486.23
	d. Net other owned property of the bank
	13. Other assets	43808042.85	37449367.24
	14. Total assets	568735949.53	579551452.22
	LIABILITIES AND EQUITY
	LIABILITIES
	15. Demand deposits	12987.11	12984.48
	16.Savings deposits
	17. Term deposits	14212528.00	14778521.21
	18. Due to Central Bank of Uzbekistan		3842729.73
	19. Due to other banks		2099795.93
	20. Securities sold under REPO agreement
	21. Due loans and leasing operations
	22. Subordinated debt obligations
	23. Due accrued interests	758009.93	343134.06
	24. Other liabilities	5937523.83	15625746.32
	25. Total liabilities	20921048.87	36702911.74
	EQUITY
	26. Authorized capital	692891530.62	692891530.62
	а. Ordinary shares	692891530.62	692891530.62
	b. Privileged stocks
	27. Additional paid-in capital	2383607.33	2383607.33
	28. Reserve capital	5583106.11	5581691.53
	а. Reserve fund for general purposes	5571123.51	5571123.51
	а.1.out of which:, reserves created on standard assets
	b. Reserve for devaluation
	c. Other reserves and funds	11982.60	10568.02
	29. Retained profit	-153043343.41	-158008289.00
	30. Total equity	547814900.65	542848540.48
	31. Total liabilities and equity	568735949.53	579551452.22

6	Report on financial results
	Категории	тыс. сум.
	1. INTEREST INCOME
	a. Interest income in accounts at the Central Bank of Uzbekistan	2549575.34
	b. Interest income in accounts at other banks
	c. Interest income on purchased commercial notes
	d. Interest income on investments
	e. Interest income on securities’ purchase and sale accounts	641224.39
	f. Interest income on customer liabilities	33295160.99
	g. Interest income on customers liabilities on the outstanding acceptances of the bank
	h. Interest, discount (discounts) and contributions on credit and leasing transactions
	i. Interest income on purchased securities under REPO agreements
	j. Other interest income	27846.10
	k. Total interest income	36513806.82
	2. INTEREST EXPENSES
	а. Interest expenses on demand deposits
	b. Interest expenses on savings deposits
	c. Interest expenses on term deposits	159954.94
	d. Interest expenses due to the Central Bank of Uzbekistan
	e. Interest expenses due to other banks
	f. Total interest expenses on deposits
	g. Due interest expenses on loans
	h. Interest expenses on sold securities under REPO agreements
	i. Other interest expenses	2758.47
	j. Total interest expenses on liabilities
	k. Total interest expenses	162713.41
	3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING	36351093.41
	а. Less: Estimation of possible losses on loans and leasing	-20125751.67
	b. Net interest income after estimation of possible losses on loans and leasing	16225341.75
	4. NON-INTEREST INCOME
	a. Income on commission and fees for services	29645849.84
	b. Profit in foreign currency	122460.31
	c. Profit on commercial operations
	d. Profit and dividends on investments
	e. Other non-interest income	24331738.02
	f. Total non-interest income	54100048.17
	5. NON-INTEREST EXPENSES
	а. Expenses on commission and fees for service	21556643.95
	b. Losses in foreign currency	52464.61
	c. Losses on purchase and sale accounts
	d. Losses from investments
	e. Other non-interest expenses	3958958.09
	f. Total non-interest expenses	25568066.64
	6. NET INCOME BEFORE OPERATING EXPENSES	44757323.27
	7. OPERATING EXPENSES
	а. Salaries and other expenses for employees	15736505.39
	b. Lease and maintenance	4300840.35
	c. Assignment and transportation expenses	177243.66
	d. Administrative expenses	12053423.43
	e. Representation and charity	18511.46
	f. Depreciation	2959865.69
	g. Insurance, taxes and other expenses	2685458.14
	h. Total operating expenses	44718708.74
	8. ESTIMATION OF NON-LOAN LOSSES	11791835.33
	9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS	38614.53
	а. Estimation of income tax
	10. INCOME BEFORE AMENDMENTS
	а. Net unexpected income or loss
	b. Other net adjustments to profit
	11. NET PROFIT (LOSS)	-4966360.17

7	Responsible persons
	Full name of the Executive body’s Head:	Попов Артем Анатольевич
	Full name of the chief accountant:	Скуйбида Елена Евгеньевна
	Full name of authorized person, who published information on the website:	Ермакова Ольга Сергеевна

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

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