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Uzbekistan, Tashkent. Istiklal str. 29, 100017
КВАРТАЛЬНЫЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ ПЕРВОГО ПОЛУГОДИЯ 2025 ГОДА
Дата раскрытия: 23.07.2025
| 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 | ||
| 5 | Balance sheet | ||
| Категории | тыс. сум. | ||
| ASSETS | |||
| 1. Cash and other payment documents | 617814645.00 | 504139033.00 | |
| 2. Due from Central Bank of Uzbekistan | 501617652.00 | 549143742.00 | |
| 3. Due from other banks | 2444042892.00 | 2688137137.00 | |
| 4. Trade accounts | 398821051.00 | 332336483.00 | |
| a. Securities | 407910438.00 | 341500000.00 | |
| b. Precious metals, coins, stones | 175.00 | 175.00 | |
| c. Less: Reserves for possible losses on purchase and sale accounts | -9089562.00 | -9163692.00 | |
| d. Net purchase and sale accounts | |||
| 5 а. Investments | 305417851.00 | 614220369.00 | |
| b. Less: Reserves for possible losses on investments | -15110.00 | -15110.00 | |
| c. Net investments | 305417851.00 | 614220369.00 | |
| 6. Securities purchased under REPO agreement | |||
| 7. Loans and leasing transactions | 18349263940.00 | 19487141299.00 | |
| а. Gross loans | 18803678130.04 | 19674620591.04 | |
| b. Gross leasing transactions | 25220847.96 | 25220847.96 | |
| c. Less: Reserves for possible losses on loans and leasing transactions | 479635038.00 | 212700140.00 | |
| d. Net loans and leasing transactions | 18353626301.96 | 19487141299.00 | |
| 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 | 3134825372.00 | 3204556277.00 | |
| 10. Net fixed assets | 974595820.00 | 958867066.00 | |
| 11. Due accrued interest | 1686980608.00 | 1739130087.00 | |
| 12. Other owned property of the bank | 473248944.00 | 506559124.00 | |
| 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 | 579550257.00 | 654153494.00 | |
| 14. Total assets | 26207624515.00 | 27910453799.00 | |
| LIABILITIES AND EQUITY | |||
| LIABILITIES | |||
| 15. Demand deposits | 805482025.00 | 828011097.00 | |
| 16.Savings deposits | 3993802.00 | 4143382.00 | |
| 17. Term deposits | 7891490130.79 | 7924849148.28 | |
| 18. Due to Central Bank of Uzbekistan | 225248.00 | 235868.00 | |
| 19. Due to other banks | 1034924475.00 | 1156243988.00 | |
| 20. Securities sold under REPO agreement | |||
| 21. Due loans and leasing operations | 10162803320.00 | 11262258376.00 | |
| 22. Subordinated debt obligations | 689295951.00 | 708133247.00 | |
| 23. Due accrued interests | 243952286.00 | 240091452.00 | |
| 24. Other liabilities | 1800802499.00 | 159024114.00 | |
| 25. Total liabilities | 22632969737.00 | 22282990672.00 | |
| EQUITY | |||
| 26. Authorized capital | 5117484734.00 | 7145336800.00 | |
| а. Ordinary shares | 5117340554.00 | 7145192620.00 | |
| b. Privileged stocks | |||
| 27. Additional paid-in capital | |||
| 28. Reserve capital | |||
| а. Reserve fund for general purposes | 27856391.00 | 27856391.00 | |
| а.1.out of which:, reserves created on standard assets | |||
| b. Reserve for devaluation | |||
| c. Other reserves and funds | 5147727.00 | 5055355.00 | |
| 29. Retained profit | -1575834074.00 | -1550785420.00 | |
| 30. Total equity | 3574654778.00 | 5627463127.00 | |
| 31. Total liabilities and equity | 26207624515.00 | 27910453799.00 | |
| 6 | Report on financial results | ||
| Категории | тыс. сум. | ||
| 1. INTEREST INCOME | |||
| a. Interest income in accounts at the Central Bank of Uzbekistan | 13708685.00 | ||
| b. Interest income in accounts at other banks | 30411494.00 | ||
| c. Interest income on purchased commercial notes | |||
| d. Interest income on investments | |||
| e. Interest income on securities’ purchase and sale accounts | 22589996.00 | ||
| 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 | 1605541295.00 | ||
| i. Interest income on purchased securities under REPO agreements | |||
| j. Other interest income | 818988380.00 | ||
| k. Total interest income | 2491239850.00 | ||
| 2. INTEREST EXPENSES | |||
| а. Interest expenses on demand deposits | 10757742.00 | ||
| b. Interest expenses on savings deposits | |||
| c. Interest expenses on term deposits | 647260085.00 | ||
| d. Interest expenses due to the Central Bank of Uzbekistan | |||
| e. Interest expenses due to other banks | 75364717.00 | ||
| f. Total interest expenses on deposits | 733382544.00 | ||
| g. Due interest expenses on loans | 533387032.00 | ||
| h. Interest expenses on sold securities under REPO agreements | |||
| i. Other interest expenses | 845479725.00 | ||
| j. Total interest expenses on liabilities | 1378866757.00 | ||
| k. Total interest expenses | 2112249301.00 | ||
| 3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING | 378990549.00 | ||
| а. Less: Estimation of possible losses on loans and leasing | 267504358.00 | ||
| b. Net interest income after estimation of possible losses on loans and leasing | 111486191.00 | ||
| 4. NON-INTEREST INCOME | |||
| a. Income on commission and fees for services | 151946154.00 | ||
| b. Profit in foreign currency | 261347382.00 | ||
| c. Profit on commercial operations | |||
| d. Profit and dividends on investments | 336843229.00 | ||
| e. Other non-interest income | 336843229.00 | ||
| f. Total non-interest income | 752858674.00 | ||
| 5. NON-INTEREST EXPENSES | |||
| а. Expenses on commission and fees for service | 68154296.00 | ||
| b. Losses in foreign currency | 239185450.00 | ||
| c. Losses on purchase and sale accounts | |||
| d. Losses from investments | |||
| e. Other non-interest expenses | 515362.00 | ||
| f. Total non-interest expenses | 307855108.00 | ||
| 6. NET INCOME BEFORE OPERATING EXPENSES | 556489757.00 | ||
| 7. OPERATING EXPENSES | |||
| а. Salaries and other expenses for employees | 296172355.00 | ||
| b. Lease and maintenance | 56707840.00 | ||
| c. Assignment and transportation expenses | 6894026.00 | ||
| d. Administrative expenses | 13896639.00 | ||
| e. Representation and charity | 19209602.00 | ||
| f. Depreciation | 54625991.00 | ||
| g. Insurance, taxes and other expenses | 42205155.00 | ||
| h. Total operating expenses | 489711608.00 | ||
| 8. ESTIMATION OF NON-LOAN LOSSES | |||
| 9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS | 62678533.00 | ||
| а. Estimation of income tax | 13652389.00 | ||
| 10. INCOME BEFORE AMENDMENTS | 49026144.00 | ||
| а. Net unexpected income or loss | |||
| b. Other net adjustments to profit | |||
| 11. NET PROFIT (LOSS) | 49026144.00 | ||
| 7 | Responsible persons | |
| Full name of the Executive body’s Head: | Djumaniyazov Ikram Karimbayevich | |
| Full name of the chief accountant: | Abdullayev Uchqun Ashirovich | |
| Full name of authorized person, who published information on the website: | Abduraxmonon Iskandar Axmat og'li | |
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