АКЦИОНЕРНОЕ ОБЩЕСТВО "AVO BANK"

КВАРТАЛЬНЫЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ ТРЕТЬЕГО КВАРТАЛА 2025 ГОДА

Дата раскрытия: 30.10.2025

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	15941138.00	17145285.00
	2. Due from Central Bank of Uzbekistan	220217787.33	57298570.20
	3. Due from other banks	34936160.72	54724335.52
	4. Trade accounts	986655.83	125940340.28
	a. Securities	986655.83	125940340.28
	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	470000510.71	652858413.85
	а. Gross loans	511299256.74	702594089.79
	b. Gross leasing transactions
	c. Less: Reserves for possible losses on loans and leasing transactions	-41298746.03	-49735675.94
	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	42726035.63	44118532.23
	11. Due accrued interest	21361654.21	30099912.38
	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	34942244.31	37397809.09
	14. Total assets	841112186.74	1019583198.55
	LIABILITIES AND EQUITY
	LIABILITIES
	15. Demand deposits	190784569.31	133250705.52
	16.Savings deposits
	17. Term deposits	25791867.30	99507611.83
	18. Due to Central Bank of Uzbekistan	8632094.15	7124499.29
	19. Due to other banks	53446140.29	11572200.40
	20. Securities sold under REPO agreement
	21. Due loans and leasing operations
	22. Subordinated debt obligations
	23. Due accrued interests	577542.00	1578519.62
	24. Other liabilities	15816951.32	218287000.27
	25. Total liabilities	295049164.37	471320536.93
	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	5580503.07	5579956.24
	а. Reserve fund for general purposes	5571123.50	5571123.50
	а.1.out of which:, reserves created on standard assets
	b. Reserve for devaluation
	c. Other reserves and funds	9379.57	9379.57
	29. Retained profit	-154792618.66	-153040193.50
	30. Total equity	546063022.36	547814900.69
	31. Total liabilities and equity	841112186.73	1019135437.62

6	Report on financial results
	Категории	тыс. сум.
	1. INTEREST INCOME
	a. Interest income in accounts at the Central Bank of Uzbekistan	8497888.63
	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	2750962.42
	f. Interest income on customer liabilities	145097792.11
	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	141346.26
	k. Total interest income	156487989.42
	2. INTEREST EXPENSES
	а. Interest expenses on demand deposits
	b. Interest expenses on savings deposits
	c. Interest expenses on term deposits	2983338.41
	d. Interest expenses due to the Central Bank of Uzbekistan
	e. Interest expenses due to other banks	2589041.10
	f. Total interest expenses on deposits	9388690.47
	g. Due interest expenses on loans
	h. Interest expenses on sold securities under REPO agreements
	i. Other interest expenses	415514.85
	j. Total interest expenses on liabilities
	k. Total interest expenses	15376584.82
	3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING	141111404.60
	а. Less: Estimation of possible losses on loans and leasing	-71273276.10
	b. Net interest income after estimation of possible losses on loans and leasing	69838128.51
	4. NON-INTEREST INCOME
	a. Income on commission and fees for services	126990914.84
	b. Profit in foreign currency	680290.86
	c. Profit on commercial operations
	d. Profit and dividends on investments
	e. Other non-interest income	60083271.08
	f. Total non-interest income	187754476.78
	5. NON-INTEREST EXPENSES
	а. Expenses on commission and fees for service	96132254.78
	b. Losses in foreign currency	908833.35
	c. Losses on purchase and sale accounts
	d. Losses from investments
	e. Other non-interest expenses	10527131.30
	f. Total non-interest expenses	107568219.43
	6. NET INCOME BEFORE OPERATING EXPENSES	150024385.86
	7. OPERATING EXPENSES
	а. Salaries and other expenses for employees	41242736.99
	b. Lease and maintenance	9999742.24
	c. Assignment and transportation expenses	447577.10
	d. Administrative expenses	47560892.59
	e. Representation and charity	793966.02
	f. Depreciation	8960981.91
	g. Insurance, taxes and other expenses	26999317.69
	h. Total operating expenses	136005214.54
	8. ESTIMATION OF NON-LOAN LOSSES	35779753.17
	9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS	14019171.31
	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)	447760.96

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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