"RENESANS MIKROMOLIYA TASHKILOTI" AKSIYADORLIK JAMIYATI

КВАРТАЛЬНЫЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ ЧЕТВЕРТОГО КВАРТАЛА 2025 ГОДА

Дата раскрытия: 20.01.2026

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	Balance sheet
	Категории	тыс. сум.
	ASSETS
	1. Cash and other payment documents
	2. Due from Central Bank of Uzbekistan
	3. Due from other banks	9160643.32	12032214.20
	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	248259271.79	258397928.36
	а. Gross loans	248259271.79	258397928.36
	b. Gross leasing transactions
	c. Less: Reserves for possible losses on loans and leasing transactions	1312006.72	2090484.60
	d. Net loans and leasing transactions	246947265.07	256307443.76
	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	12922777.99	13316025.07
	11. Due accrued interest	7487812.98	8009974.60
	12. Other owned property of the bank	127749.88	339549.74
	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	5911.25	11912.57
	d. Net other owned property of the bank	121838.63	327637.18
	13. Other assets	10441142.50	10807566.10
	14. Total assets	290844670.49	304633320.91
	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	213223239.19	226699452.47
	22. Subordinated debt obligations
	23. Due accrued interests	10085171.60	5940432.23
	24. Other liabilities	695717.00	961587.93
	25. Total liabilities	224004128.01	233601472.62
	EQUITY
	26. Authorized capital	12200000.00	12200000.00
	а. Ordinary shares	12200000.00	12200000.00
	b. Privileged stocks
	27. Additional paid-in capital	9162000.00	9162000.00
	28. Reserve capital	4212063.38	4212063.38
	а. Reserve fund for general purposes	2645381.24	2645381.24
	а.1.out of which:, reserves created on standard assets
	b. Reserve for devaluation
	c. Other reserves and funds	1566682.14	1566682.14
	29. Retained profit	41266479.00	45457784.91
	30. Total equity	66840542.48	71031848.29
	31. Total liabilities and equity	290844670.49	304633320.91

6	Report on financial results
	Категории	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	127041551.20
	i. Interest income on purchased securities under REPO agreements
	j. Other interest income
	k. Total interest income	127041551.20
	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	8447497.13
	h. Interest expenses on sold securities under REPO agreements
	i. Other interest expenses	47295457.82
	j. Total interest expenses on liabilities	55742954.95
	k. Total interest expenses	55742954.95
	3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING	71298596.26
	а. Less: Estimation of possible losses on loans and leasing	5932341.19
	b. Net interest income after estimation of possible losses on loans and leasing	65366255.07
	4. NON-INTEREST INCOME
	a. Income on commission and fees for services	267603.69
	b. Profit in foreign currency	632690.37
	c. Profit on commercial operations
	d. Profit and dividends on investments
	e. Other non-interest income	9292830.60
	f. Total non-interest income	10193124.66
	5. NON-INTEREST EXPENSES
	а. Expenses on commission and fees for service	2655677.51
	b. Losses in foreign currency	1274326.41
	c. Losses on purchase and sale accounts
	d. Losses from investments
	e. Other non-interest expenses	251073.73
	f. Total non-interest expenses	4181077.66
	6. NET INCOME BEFORE OPERATING EXPENSES	71378302.07
	7. OPERATING EXPENSES
	а. Salaries and other expenses for employees	30257157.79
	b. Lease and maintenance	7140185.28
	c. Assignment and transportation expenses	1189049.63
	d. Administrative expenses	3489661.25
	e. Representation and charity	41825.31
	f. Depreciation	2631717.95
	g. Insurance, taxes and other expenses	3938903.02
	h. Total operating expenses	48688500.25
	8. ESTIMATION OF NON-LOAN LOSSES
	9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS	22689801.83
	а. Estimation of income tax	3732016.92
	10. INCOME BEFORE AMENDMENTS	18957784.91
	а. Net unexpected income or loss
	b. Other net adjustments to profit
	11. NET PROFIT (LOSS)	18957784.91

7	Responsible persons
	Full name of the Executive body’s Head:	Umarov Mirlaziz Salixovich
	Full name of the chief accountant:	Abdullayev Saidakbar Soibjon o'g'li
	Full name of authorized person, who published information on the website:	Aliqulov Mironshoh O‘tkirbek o'g'li

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