АКЦИОНЕРНОЕ ОБЩЕСТВО "AVO BANK"

КВАРТАЛЬНЫЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ ПЕРВОГО ПОЛУГОДИЯ 2025 ГОДА

Дата раскрытия: 24.07.2025

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	11649111.00	15941138.00
	2. Due from Central Bank of Uzbekistan	65825960.03	220217787.33
	3. Due from other banks	24514990.07	34936160.72
	4. Trade accounts	10922366.85	986655.83
	a. Securities	10922366.85	986655.83
	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	367237616.42	470000510.71
	а. Gross loans	403322891.88	511299256.74
	b. Gross leasing transactions
	c. Less: Reserves for possible losses on loans and leasing transactions	-36085275.47	-41298746.03
	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	44694659.95	42726035.63
	11. Due accrued interest	17257380.67	21361654.21
	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	37449367.24	34942244.31
	14. Total assets	579551452.22	841112186.74
	LIABILITIES AND EQUITY
	LIABILITIES
	15. Demand deposits	12984.48	190784569.31
	16.Savings deposits
	17. Term deposits	14778521.21	25791867.30
	18. Due to Central Bank of Uzbekistan	3842729.73	8632094.15
	19. Due to other banks	2099795.93	53446140.29
	20. Securities sold under REPO agreement
	21. Due loans and leasing operations
	22. Subordinated debt obligations
	23. Due accrued interests	343134.06	577542.00
	24. Other liabilities	15625746.32	15816951.32
	25. Total liabilities	36702911.74	295049164.37
	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	5581691.53	5580503.07
	а. Reserve fund for general purposes	5571123.51	5571123.50
	а.1.out of which:, reserves created on standard assets
	b. Reserve for devaluation
	c. Other reserves and funds	10568.02	9379.57
	29. Retained profit	-158008289.00	-154792618.66
	30. Total equity	542848540.48	546063022.36
	31. Total liabilities and equity	579551452.22	841112186.73

6	Report on financial results
	Категории	тыс. сум.
	1. INTEREST INCOME
	a. Interest income in accounts at the Central Bank of Uzbekistan	4966633.84
	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	740417.79
	f. Interest income on customer liabilities	78135787.54
	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	69425.50
	k. Total interest income	83912264.67
	2. INTEREST EXPENSES
	а. Interest expenses on demand deposits
	b. Interest expenses on savings deposits
	c. Interest expenses on term deposits	410073.32
	d. Interest expenses due to the Central Bank of Uzbekistan
	e. Interest expenses due to other banks	2387671.23
	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	2800503.02
	3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING	81111761.65
	а. Less: Estimation of possible losses on loans and leasing	-46014966.37
	b. Net interest income after estimation of possible losses on loans and leasing	35096795.28
	4. NON-INTEREST INCOME
	a. Income on commission and fees for services	68290666.12
	b. Profit in foreign currency	406928.16
	c. Profit on commercial operations
	d. Profit and dividends on investments
	e. Other non-interest income	43464399.48
	f. Total non-interest income	112161993.76
	5. NON-INTEREST EXPENSES
	а. Expenses on commission and fees for service	46235257.66
	b. Losses in foreign currency	133656.06
	c. Losses on purchase and sale accounts
	d. Losses from investments
	e. Other non-interest expenses	6791897.28
	f. Total non-interest expenses	53160811.00
	6. NET INCOME BEFORE OPERATING EXPENSES	94097978.04
	7. OPERATING EXPENSES
	а. Salaries and other expenses for employees	28513628.65
	b. Lease and maintenance	7034216.39
	c. Assignment and transportation expenses	331102.85
	d. Administrative expenses	29151885.42
	e. Representation and charity	393730.63
	f. Depreciation	5908818.68
	g. Insurance, taxes and other expenses	3564065.66
	h. Total operating expenses	87871438.19
	8. ESTIMATION OF NON-LOAN LOSSES	20952408.06
	9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS	6226539.90
	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)	-1751878.29

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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