+998 71 203-00-50        Uzbekistan, Tashkent. Istiklal str. 29, 100017
ГОДОВОЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ 2025 ГОДА
Дата раскрытия: 10.07.2025   
The body of the issuer who took the decision Aksiyadorlar umumiy yig'ilishi
Дата утверждения отчета 27.06.2025
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
5Показатели финансово-экономического состояния эмитента
Profitability of the authorized capital, coefficient-44,1%
Coverage of total solvency, coefficient113,09%
Ratio of absolute liquidity, coefficient168,96%
Ratio of own and attracted funds, coefficient18,48%
Коэффициент обновления основных фондов-
The ratio of the issuer's own and borrowed funds:26,64%
6Объем начисленных доходов по ценным бумагам в отчетном году
On ordinary stocks (in soums per stock)0
On ordinary stocks (in percentage to the face value of one stock)0
On priviliged shares (in soums per stock)213.60
On priviliged shares (in percentage to the face value of one stock)20%
On other securities (in soums per stock)0
On other securities (in percentage to the face value of one stock)0
7Имеющаяся задолженность по выплате доходов по ценным бумагам
On ordinary stocks (according to the results of the reporting period (in soums))0
On ordinary stocks (according to the results of previous periods (in soums))0
On priviliged shares (according to the results of the reporting period (in soums))0
On priviliged shares (according to the results of previous periods (in soums))0
On other securities (according to the results of the reporting period (in soums))0
On other securities (according to the results of the reporting period (in soums))0
8Изменения в составе наблюдательного совета, ревизионной комиссии или исполнительного органа
дата принятия решениядата вступления к обязанностямФ.И.О.ДолжностьОрган эмитента, принявший решениеИзбран (назначен) / выведен из состава (уволен, истечение срока полномочий)
16.01.2024 Isakov Odilbek RustamovichKuzatuv kengashi aʼzosiAksiyadorlarning umumiy yigʻilishiвыведен из состава (уволен)
12.03.2024 Sulaymonov Rustam DavutovichBoshqaruv raisi oʻrinbosari, Boshqaruv a’zosiKuzatuv kengashiвыведен из состава (уволен)
15.03.2024 Muhammadiyev Qosim XoʻjayorovichBoshqaruv raisi oʻrinbosari, Boshqaruv a’zosiKuzatuv kengashiвыведен из состава (уволен)
24.05.202414.06.2024Mustafayev Alisher AbdulloyevichKredit bloki rahbari, Boshqaruv a’zosiKuzatuv kengashiИзбран (назначен)
24.05.202414.06.2024Abraxmatov Ulug‘bek PardayevichKichik biznes departamenti direktori, Boshqaruv a’zosiKuzatuv kengashiИзбран (назначен)
13.07.2024 Xusanov Nozim BaxtiyorovichKuzatuv kengashi aʼzosiAksiyadorlarning umumiy yigʻilishiвыведен из состава (уволен)
13.07.2024 Saliyev Sherzod IkromovichKuzatuv kengashi aʼzosiAksiyadorlarning umumiy yigʻilishiвыведен из состава (уволен)
13.07.202429.07.2024Musayev Bexzod AnvarovichKuzatuv kengashi aʼzosiAksiyadorlarning umumiy yigʻilishiИзбран (назначен)
13.07.202429.07.2024Muydinov Umidjon Ibroximjon o‘g‘liKuzatuv kengashi aʼzosiAksiyadorlarning umumiy yigʻilishiИзбран (назначен)
13.07.202429.07.2024Qo‘ychiyev Suhrob KurbannazarovichKuzatuv kengashi aʼzosiAksiyadorlarning umumiy yigʻilishiИзбран (назначен)
28.08.2024 Xamidov Akmal AkramovichBoshqaruv raisining birinchi oʻrinbosari vazifasini bajaruvchi, Boshqaruv a’zosiKuzatuv kengashiвыведен из состава (уволен)
06.09.202410.10.2024Ibragimova Shaxlo AlimbayevnaBoshqaruv raisi o‘rinbosari – Boshqaruv a’zosiKuzatuv kengashiИзбран (назначен)
9Основные сведения о дополнительно выпущенных ценных бумагах (заполняется, если в отчетном периоде осуществлялся выпуск ценных бумаг)
Орган, принявший решение о выпускеKuzatuv kengashi
Дата и номер государственной регистрации24.07.2024 P0005-31
Количество ценных бумаг (шт.) и объем выпуска (сум)1 893 791 781
Способ размещения ценных бумагyopiq obuna
Сроки размещенияDavlat roʻyxatiga olingan kundan boshlab 180 kun davomida
Дата начала24.07.2024
Дата окончания20.01.2025
10Information on the important facts for the year
Наименование существенного факта№ существенного фактаДата наступления существенного фактаДата публикации существенного факта
1Emitentning yuqori boshqaruv organi tomonidan qabul qilingan qarorlar606.01.202409.01.2024
2Emitentning yuqori boshqaruv organi tomonidan qabul qilingan qarorlar616.01.202417.01.2024
3Kuzatuv kengashining tarkibidagi o‘zgarishlar816.01.202417.01.2024
4Affillangan shaxslar ro‘yxatidagi o‘zgarishlar3616.01.202417.01.2024
5Joylashgan yer (pochta manzili) o‘zgarishi213.03.202413.03.2024
6Faoliyatning ayrim turlarini amalga oshirish uchun litsenziya olinganligi2211.03.202413.03.2024
7Ijroiya organining tarkibidagi o‘zgarishlar812.03.202414.03.2024
8Affillangan shaxslar ro‘yxatidagi o‘zgarishlar3612.03.202414.03.2024
9Ijroiya organining tarkibidagi o‘zgarishlar815.03.202419.03.2024
10Affillangan shaxslar ro‘yxatidagi o‘zgarishlar3615.03.202419.03.2024
11Изменение в составе наблюдательного совета, ревизионной комиссии или исполнительного органа807.05.202410.05.2024
12Affillangan shaxslar ro‘yxatidagi o‘zgarishlar3607.05.202410.05.2024
13Qimmatli qog‘ozlarni chiqarish to‘g‘risidagi qarorga o‘zgartirish va (yoki) qo‘shimchalar kiritish4013.04.202415.04.2024
14Qimmatli qog‘ozlarni chiqarish to‘g‘risidagi qarorga o‘zgartirish va (yoki) qo‘shimchalar kiritish4013.04.202415.04.2024
15Qimmatli qog‘ozlarni chiqarish to‘g‘risidagi qarorga o‘zgartirish va (yoki) qo‘shimchalar kiritish4013.04.202415.04.2024
16Shu’ba xo‘jalik jamiyatlari ro‘yxatidagi o‘zgarishlar1123.05.202424.05.2024
17Affillangan shaxslar ro‘yxatidagi o‘zgarishlar3623.05.202424.05.2024
18Affillangan shaxslar ro‘yxatidagi o‘zgarishlar3624.05.202428.05.2024
19Ijroiya organining tarkibidagi o‘zgarishlar824.05.202428.05.2024
20Emitentning yuqori boshqaruv organi tomonidan qabul qilingan qarorlar611.06.202413.06.2024
21Sof foydani (dividendni) taqsimlash bo‘yicha Kuzatuv kengashining tavsiyasi (taklifi)4127.06.202401.07.2024
22Emitentning yuqori boshqaruv organi tomonidan qabul qilingan qarorlar605.07.202408.07.2024
23Qimmatli qog‘ozlar bo‘yicha daromadlarni hisoblash3205.07.202408.07.2024
24Emitentning yuqori boshqaruv organi tomonidan qabul qilingan qarorlar615.07.202417.07.2024
25Kuzatuv kengashining tarkibidagi o‘zgarishlar815.07.202417.07.2024
26Affillangan shaxslar ro‘yxatidagi o‘zgarishlar3615.07.202417.07.2024
27Qimmatli qog‘ozlarni chiqarish2524.07.202426.07.2024
28Ijroiya organining tarkibidagi o‘zgarishlar829.08.202404.09.2024
29Affillangan shaxslar ro‘yxatidagi o‘zgarishlar3629.08.202404.09.2024
30Ijroiya organining tarkibidagi o‘zgarishlar806.09.202410.09.2024
11Balance sheet
Категориив тыс. сум.
ASSETS
1. Cash and other payment documents874095566.00
2. Due from Central Bank of Uzbekistan496195792.00
3. Due from other banks1530859823.00
4. Trade accounts211358447.00
a. Securities217000000.00
b. Precious metals, coins, stones175.00
c. Less: Reserves for possible losses on purchase and sale accounts-5641553.00
d. Net purchase and sale accounts
5 а. Investments171402110.00
b. Less: Reserves for possible losses on investments15110.00
c. Net investments171417220.00
6. Securities purchased under REPO agreement
7. Loans and leasing transactions16924606170.00
а. Gross loans17416357689.00
b. Gross leasing transactions
c. Less: Reserves for possible losses on loans and leasing transactions491751519.00
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 instruments30025798.00
10. Net fixed assets929814271.00
11. Due accrued interest1529592132.00
12. Other owned property of the bank408190381.00
а. Investments in real estate493820560.00
b. Other assets acquired during credit settlements85630179.00
c. Less: Reserves for possible losses on other own property of the bank
d. Net other owned property of the bank
13. Other assets560100294.00
14. Total assets23542526924.00
LIABILITIES AND EQUITY
LIABILITIES
15. Demand deposits1285696444.00
16.Savings deposits
17. Term deposits6546231387.00
18. Due to Central Bank of Uzbekistan189146.00
19. Due to other banks1608892614.00
20. Securities sold under REPO agreement
21. Due loans and leasing operations9083115850.00
22. Subordinated debt obligations689295951.00
23. Due accrued interests189165603.00
24. Other liabilities589326205.00
25. Total liabilities19991913200.00
EQUITY
26. Authorized capital5117484735.00
а. Ordinary shares5117340555.00
b. Privileged stocks144180.00
27. Additional paid-in capital
28. Reserve capital33074689.00
а. Reserve fund for general purposes27856391.00
а.1.out of which:, reserves created on standard assets
b. Reserve for devaluation
c. Other reserves and funds5218298.00
29. Retained profit-1599945700.00
30. Total equity3550613724.00
31. Total liabilities and equity23542526924.00
12Report on financial results
Категориив тыс. сум.
1. INTEREST INCOME
a. Interest income in accounts at the Central Bank of Uzbekistan31218781.00
b. Interest income in accounts at other banks38542512.00
c. Interest income on purchased commercial notes
d. Interest income on investments
e. Interest income on securities’ purchase and sale accounts14172486.00
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 transactions2702377044.00
i. Interest income on purchased securities under REPO agreements
j. Other interest income1241480570.00
k. Total interest income4027791393.00
2. INTEREST EXPENSES
а. Interest expenses on demand deposits62096205.00
b. Interest expenses on savings deposits
c. Interest expenses on term deposits1070430325.00
d. Interest expenses due to the Central Bank of Uzbekistan
e. Interest expenses due to other banks 223128912.00
f. Total interest expenses on deposits1355655442.00
g. Due interest expenses on loans 748766841.00
h. Interest expenses on sold securities under REPO agreements
i. Other interest expenses1135377648.00
j. Total interest expenses on liabilities1884144489.00
k. Total interest expenses3239799931.00
3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING787991462.00
а. Less: Estimation of possible losses on loans and leasing1955270352.00
b. Net interest income after estimation of possible losses on loans and leasing281780589.00
4. NON-INTEREST INCOME
a. Income on commission and fees for services271033217.00
b. Profit in foreign currency622815779.00
c. Profit on commercial operations
d. Profit and dividends on investments1257995.00
e. Other non-interest income51826371.00
f. Total non-interest income946933362.00
5. NON-INTEREST EXPENSES
а. Expenses on commission and fees for service 138328361.00
b. Losses in foreign currency599973691.00
c. Losses on purchase and sale accounts
d. Losses from investments
e. Other non-interest expenses13197760.00
f. Total non-interest expenses751499812.00
6. NET INCOME BEFORE OPERATING EXPENSES-690064751.00
7. OPERATING EXPENSES
а. Salaries and other expenses for employees561940042.00
b. Lease and maintenance116756368.00
c. Assignment and transportation expenses13131382.00
d. Administrative expenses25163929.00
e. Representation and charity61662079.00
f. Depreciation100178234.00
g. Insurance, taxes and other expenses81457966.00
h. Total operating expenses1013732770.00
8. ESTIMATION OF NON-LOAN LOSSES
9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS-1703797521.00
а. Estimation of income tax
10. INCOME BEFORE AMENDMENTS-1703797521.00
а. Net unexpected income or loss
b. Other net adjustments to profit
11. NET PROFIT (LOSS)-1703797521.00
13Сведения о результатах аудиторской проверки
Наименование аудиторской организацииДата выдачи лицензииНомер лицензииВид заключенияДата выдачи аудиторского заключенияНомер аудиторского заключенияФ.И.О. аудитора (аудиторов), проводившего проверкуКопия аудиторского заключения
"PKF MAK ALYANS" Auditorlik tashkiloti MCHJ2019-04-05770-2025-06-11 Isakov Olimjon Islambayevich
16Список аффилированных лиц (по состоянию на конец отчетного года)
Ф.И.О. или полное наименованиеМестонахождение (местожительство) (государство, область, город, район)Основание, по которому они признаются аффилированными лицамиДата (наступления основания (-ий)
O‘zbekiston Respublikasi Iqtisodiyot va moliya vazirligiToshkent shahar, Istiqlol koʻchasi, 29-uyBank ustav kapitalining yigirma foiz va undan ortiq foiz aktsiyalariga egalik qiluvchi yuridik shaxs2023-08-29
Oʻzbekiston Respublikasi Tiklanish va Taraqqiyot FondiToshkent sh., Amir Temur koʻchasi, 101Bank ustav kapitalining yigirma foiz va undan ortiq foiz aktsiyalariga egalik qiluvchi yuridik shaxs2019-07-06
“Agro Invest Sug’urta” АЖToshkent shaharBank yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qiladi2019-07-06
“MKB Kasana Invest Group” mas’ulyati cheklangan jamiyatiToshkent shahri, Mirobod tumani, Amir Temur shox koʻchasi, 4-uyBankning shu’ba xo‘jalik jamiyati bo‘lgan yuridik shaxs2024-05-23
Musayev Bexzod AnvarovichToshkent shaharKuzatuv kengashi a’zosi2024-07-15
Muydinov Umidjon Ibroximjon o‘g‘liToshkent shaharKuzatuv kengashi a’zosi2024-07-15
Qo‘ychiyev Suhrob KurbannazarovichToshkent shaharKuzatuv kengashi a’zosi2024-07-15
Radjabov Baxtiyor MuxammadjonovichToshkent shaharKuzatuv kengashi a’zosi2020-07-27
Nurgaliyev Farxad RashidovichToshkent shaharKuzatuv kengashi a’zosi2020-07-27
Xoshimov Bexzod Alisher oʻgʻliViskonsin, AQShKuzatuv kengashi a’zosi2020-11-28
Mixmanov Dilshod MirjalilovichLondon, Buyuk briyaniyaKuzatuv kengashi a’zosi2020-07-27
Paresishvili Giorgi OtarovichGruziyaKuzatuv kengashi a’zosi2022-06-27
Kazaryan Aram SurenovichArmanistonKuzatuv kengashi a’zosi2022-06-27
Butayev Orif AliboyevichToshkent shaharBoshqaruv Raisi vakolatlarini amalga oshirayotgan shaxs2020-02-10
Allaniyazov Baxadir UbbiniyazovichToshkent shaharBoshqaruv a’zosi vakolatlarini amalga oshirayotgan shaxs2021-04-01
Djumaniyazov Ikram KarimbayevichToshkent shaharBoshqaruv a’zosi vakolatlarini amalga oshirayotgan shaxs2022-12-10
Mamadjanov Ibroximjon AbdushukurovichToshkent shaharBoshqaruv a’zosi vakolatlarini amalga oshirayotgan shaxs2022-12-10
Ibragimova Shaxlo AlimbayevnaToshkent shaharBoshqaruv a’zosi vakolatlarini amalga oshirayotgan shaxs2024-09-06
Mustafayev Alisher AbdulloyevichToshkent shaharBoshqaruv a’zosi vakolatlarini amalga oshirayotgan shaxs2024-05-24
Abraxmatov Ulug‘bek PardayevichToshkent shaharBoshqaruv a’zosi vakolatlarini amalga oshirayotgan shaxs2024-05-24
ATB OʻzsanoatqurilishbankToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
ATB Asaka BankToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
ATB Xalq bankiToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
ATB AgrobankToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
ATB Biznesni rivojlantirish bankiToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
ATB Turon BankToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
AT Aloqa BankToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
"“Qishloq qurilish invest” injiniring kompaniyasi MCHJ"Toshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
“Oʻzshaharqurilish” IKToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
OʻzOmonkapital MCHJToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
“OʻzbekOmon Investitsiya kompaniyasi” MCHJToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
“Abu Dabi Uzbekinvesment” MCHJToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2020-08-06
“Oʻzbekiston Respublikasining toʻgʻridan-toʻgʻri investitsiyalar jamgʻarmasi” boshqaruvchi kompaniyasi MCHJToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2020-08-06
Toshkent metallurgiya zavodi MCHJToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
“Oʻzmilliybank” AJToshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2019-07-06
“YANGI KON”Toshkent shaharBank ustav kapitalining yigirma foizi va undan ortiq foiziga egalik qiluvchi ayni bir shaxs qaysi yuridik shaxs ustav fondining (ustav kapitalining) yigirma foizi va undan ortiq foiziga egalik qilsa, oʻsha yuridik shaxs2023-02-16
“Parrandasanoat” uyushmasiToshkent shaharUshbu jamiyatning direktori yoxud boshqaruv a’zosi bo‘lgan ayni bir shaxs yoki uning yaqin qarindoshlari qaysi yuridik shaxs ijroiya organining rahbari vazifasini amalga oshirayotgan bo‘lsa, o‘sha yuridik shaxs2024-03-12

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

   360    
   
Number of issuers by year
Top 4 essential facts type
General Statistics
JSC LLC
Total issuers
Total disclosures
Essential facts
Prospectuses
Quarterly reports
Annual reports
Charters
A change in the staff of the officials. Decisions taken by the supreme governing body of the issuer The conclusion of a transaction with affiliated entity Changes in the list of affiliates.