"RENESANS MIKROMOLIYA TASHKILOTI" AKSIYADORLIK JAMIYATI

ГОДОВОЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ 2024 ГОДА

Дата раскрытия: 10.07.2025

The body of the issuer who took the decision	Aksiyadorlar umumiy yig‘ilishi
Дата утверждения отчета	26.06.2025

1	NAME OF THE ISSUER:
	Full	"Renesans mikromoliya tashkiloti" aksiyadorlik jamiyati
	Short:	"Renesans mikromoliya tashkiloti" AJ
	Name of stock exchange ticker:	No
2	CORPORATE NEWS
	Location:	111503 Toshkent viloyati, O‘rta Chirchiq tumani, Sholikor MFY, Madaniyat ko‘chasi
	Postal address:	111503 Toshkent viloyati, O‘rta Chirchiq tumani, Sholikor MFY, Madaniyat ko‘chasi
	E-mail address:	info@renesans.uz
	Official Website:	renesans.uz
3	БАНКОВСКИЕ РЕКВИЗИТЫ
	Наименование обслуживающего банка:	KDB Bank Uzbekistan
	Current account:	20216000304636656001
	MFI:	00842
4	РЕГИСТРАЦИОННЫЕ И ИДЕНТИФИКАЦИОННЫЕ НОМЕРА
	присвоенные регистрирующим органом:	O‘rta Chirchiq tumani Davlat Xizmatlari Markazi
	присвоенные органом государственной налоговой службы (ИНН):	300515648
	присвоенные органами государственной статистики
	КФС:
	ОКПО:
	ОКОНХ:
	СОАТО:	1727253

5	Показатели финансово-экономического состояния эмитента
	Profitability of the authorized capital, coefficient
	Coverage of total solvency, coefficient
	Ratio of absolute liquidity, coefficient
	Ratio of own and attracted funds, coefficient
	Коэффициент обновления основных фондов
	The ratio of the issuer's own and borrowed funds:

6	Объем начисленных доходов по ценным бумагам в отчетном году
	On ordinary stocks (in soums per stock)
	On ordinary stocks (in percentage to the face value of one stock)
	On priviliged shares (in soums per stock)
	On priviliged shares (in percentage to the face value of one stock)
	On other securities (in soums per stock)
	On other securities (in percentage to the face value of one stock)

7	Имеющаяся задолженность по выплате доходов по ценным бумагам
	On ordinary stocks (according to the results of the reporting period (in soums))
	On ordinary stocks (according to the results of previous periods (in soums))
	On priviliged shares (according to the results of the reporting period (in soums))
	On priviliged shares (according to the results of previous periods (in soums))
	On other securities (according to the results of the reporting period (in soums))
	On other securities (according to the results of the reporting period (in soums))

9	Основные сведения о дополнительно выпущенных ценных бумагах (заполняется, если в отчетном периоде осуществлялся выпуск ценных бумаг)
	Орган, принявший решение о выпуске
	Дата и номер государственной регистрации
	Количество ценных бумаг (шт.) и объем выпуска (сум)
	Способ размещения ценных бумаг
	Сроки размещения
	Дата начала
	Дата окончания

11	Balance sheet
	Категории	в тыс. сум.
	ASSETS
	1. Cash and other payment documents	2517498.40
	2. Due from Central Bank of Uzbekistan
	3. Due from other banks	7194251.87
	4. Trade accounts
	a. Securities
	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	194438522.85
	а. Gross loans	194438522.85
	b. Gross leasing transactions
	c. Less: Reserves for possible losses on loans and leasing transactions	785279.65
	d. Net loans and leasing transactions	193653243.19
	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	12176496.95
	11. Due accrued interest	5979693.92
	12. Other owned property of the bank	28985.50
	а. Investments in real estate
	b. Other assets acquired during credit settlements
	c. Less: Reserves for possible losses on other own property of the bank
	d. Net other owned property of the bank
	13. Other assets	8861398.78
	14. Total assets	230411568.61
	LIABILITIES AND EQUITY
	LIABILITIES
	15. Demand deposits
	16.Savings deposits
	17. Term deposits
	18. Due to Central Bank of Uzbekistan
	19. Due to other banks
	20. Securities sold under REPO agreement
	21. Due loans and leasing operations	183852713.79
	22. Subordinated debt obligations
	23. Due accrued interests	4606107.39
	24. Other liabilities	240684.05
	25. Total liabilities	188699505.23
	EQUITY
	26. Authorized capital	11000000.00
	а. Ordinary shares	11000000.00
	b. Privileged stocks
	27. Additional paid-in capital
	28. Reserve capital	3542014.78
	а. Reserve fund for general purposes	1975332.65
	а.1.out of which:, reserves created on standard assets
	b. Reserve for devaluation
	c. Other reserves and funds	1566682.14
	29. Retained profit	27170048.59
	30. Total equity	41712063.38
	31. Total liabilities and equity	230411568.61

12	Report on financial results
	Категории	в тыс. сум.
	1. INTEREST INCOME
	a. Interest income in accounts at the Central Bank of Uzbekistan
	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
	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	86012182.77
	i. Interest income on purchased securities under REPO agreements
	j. Other interest income
	k. Total interest income	86012182.77
	2. INTEREST EXPENSES
	а. Interest expenses on demand deposits
	b. Interest expenses on savings deposits
	c. Interest expenses on term deposits
	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	37198621.86
	h. Interest expenses on sold securities under REPO agreements
	i. Other interest expenses
	j. Total interest expenses on liabilities	37198621.86
	k. Total interest expenses	37198621.86
	3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING	48813560.92
	а. Less: Estimation of possible losses on loans and leasing	1683249.50
	b. Net interest income after estimation of possible losses on loans and leasing	47130311.41
	4. NON-INTEREST INCOME
	a. Income on commission and fees for services
	b. Profit in foreign currency	206133.40
	c. Profit on commercial operations
	d. Profit and dividends on investments
	e. Other non-interest income	4344392.12
	f. Total non-interest income	4550525.52
	5. NON-INTEREST EXPENSES
	а. Expenses on commission and fees for service	1932755.44
	b. Losses in foreign currency	999328.88
	c. Losses on purchase and sale accounts
	d. Losses from investments
	e. Other non-interest expenses	106811.57
	f. Total non-interest expenses	3038895.89
	6. NET INCOME BEFORE OPERATING EXPENSES	48641941.04
	7. OPERATING EXPENSES
	а. Salaries and other expenses for employees	19479448.96
	b. Lease and maintenance	4349959.84
	c. Assignment and transportation expenses	864119.82
	d. Administrative expenses	2018207.16
	e. Representation and charity	82943.50
	f. Depreciation	1795686.20
	g. Insurance, taxes and other expenses	3864448.83
	h. Total operating expenses	32454814.30
	8. ESTIMATION OF NON-LOAN LOSSES	234823.02
	9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS	15952303.72
	а. Estimation of income tax	2561844.13
	10. INCOME BEFORE AMENDMENTS	13390459.59
	а. Net unexpected income or loss
	b. Other net adjustments to profit
	11. NET PROFIT (LOSS)	13390459.59

13	Сведения о результатах аудиторской проверки
	Наименование аудиторской организации	Дата выдачи лицензии	Номер лицензии	Вид заключения	Дата выдачи аудиторского заключения	Номер аудиторского заключения	Ф.И.О. аудитора (аудиторов), проводившего проверку	Копия аудиторского заключения
	ООО "PKF MAK ALYANS"	2011-05-30	171	Ижобий	2025-03-17		Алижон Исаков	Загрузить

16	Список аффилированных лиц (по состоянию на конец отчетного года)
	Ф.И.О. или полное наименование	Местонахождение (местожительство) (государство, область, город, район)	Основание, по которому они признаются аффилированными лицами	Дата (наступления основания (-ий)
	"Renesans Credit" MChJ	O‘zbekiston Respublikasi, Toshkent viloyati, O‘rta Chirchiq tumani, Sholikor MFY, Madaniyat ko‘chasi	47.5455% oddiy aksiyalarga egalik qiladi	2025-12-02
	Irchayeva Shapoat Muxsidovna	O‘zbekiston Respublikasi, Toshkent sh.	28,85% oddiy aksiyalarga egalik qiladi	2025-12-02
	Turdiqulov Jamshidbek Salimovich	O‘zbekiston Respublikasi, Toshkent vil.	Kuzatuv kengashi raisi	2025-12-02
	Yangayev Ramil Kamilovich	O‘zbekiston Respublikasi, Toshkent sh.	Kuzatuv kengashi a'zosi	2025-12-02
	Mukhamedzhanov Rishat Ravilyevich	Qirg'iziston Respublikasi, Bishkek sh.	Kuzatuv kengashi mustaqil a'zosi	2025-12-02
	Ibragimova Dildora Karimjonovna	O‘zbekiston Respublikasi, Toshkent sh.	Kuzatuv kengashi mustaqil a'zosi	2025-12-02
	Mubarak Dzhamalova Muniridinovna	Qirg'iziston Respublikasi, Bishkek sh.	Kuzatuv kengashi mustaqil a'zosi	2025-12-02
	Umarov Mirlaziz Salixovich	O‘zbekiston Respublikasi, Toshkent sh.	Boshqaruv raisi	2025-12-02
	Mamajonov Dilshodjon Oribjonovich	O‘zbekiston Respublikasi, Toshkent sh.	Boshqaruv a’zosi vakolatlarini amalga oshiruvchi shaxs	2025-12-02
	Qosimov Voxidjon Salimjonovich	O‘zbekiston Respublikasi, Toshkent sh.	Boshqaruv a’zosi vakolatlarini amalga oshiruvchi shaxs	2025-12-02
	Yuldashev Elyorjon Erkinovich	O‘zbekiston Respublikasi, Toshkent vil.	Boshqaruv a’zosi vakolatlarini amalga oshiruvchi shaxs	2025-12-02
	Bo‘ronov Fazliddin Maxmatkulovich	O‘zbekiston Respublikasi, Toshkent sh.	Boshqaruv a’zosi vakolatlarini amalga oshiruvchi shaxs	2025-12-02

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