AKSIYADORLIK-TIJORAT BANKI "UNIVERSAL BANK"

КВАРТАЛЬНЫЙ ОТЧЕТ ЭМИТЕНТА ПО ИТОГАМ ТРЕТЬЕГО КВАРТАЛА 2023 ГОДА

Дата раскрытия: 13.10.2023

Дата опубликования модератором*: 14.10.2023

1	NAME OF THE ISSUER:
	Full	Aksiyadorlik-tijorat banki "Universal bank"
	Short:	ATB "Universal bank"
	Name of stock exchange ticker:	UNVB
2	CORPORATE NEWS
	Location:	Ферганская область, г. Коканд, ул.Шохрухобод
	Postal address:	150700, Ферганская область, г. Коканд, ул.Шохрухобод
	E-mail address:	info@universalbank.uz
	Official Website:	www.universalbank.uz
3	БАНКОВСКИЕ РЕКВИЗИТЫ
	Наименование обслуживающего банка:	АКБ "Универсал банк"
	Current account:	29896000
	MFI:	973
4	РЕГИСТРАЦИОННЫЕ И ИДЕНТИФИКАЦИОННЫЕ НОМЕРА
	присвоенные регистрирующим органом:
	присвоенные органом государственной налоговой службы (ИНН):	203556638
	присвоенные органами государственной статистики
	КФС:	144
	ОКПО:	18017857
	ОКОНХ:	96120
	СОАТО:	1730405

5	Balance sheet
	Категории	тыс. сум.
	ASSETS
	1. Cash and other payment documents	208906067.00
	2. Due from Central Bank of Uzbekistan	256061496.00
	3. Due from other banks	69118384.00
	4. Trade accounts
	a. Securities	63864000.00
	b. Precious metals, coins, stones
	c. Less: Reserves for possible losses on purchase and sale accounts	2460949.00
	d. Net purchase and sale accounts	61403051.00
	5 а. Investments	578389.00
	b. Less: Reserves for possible losses on investments
	c. Net investments	578389.00
	6. Securities purchased under REPO agreement	96196964.00
	7. Loans and leasing transactions
	а. Gross loans	1110579114.00
	b. Gross leasing transactions	434348.00
	c. Less: Reserves for possible losses on loans and leasing transactions	10367831.00
	d. Net loans and leasing transactions	1100645631.00
	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
	10. Net fixed assets	202867110.00
	11. Due accrued interest	20798584.00
	12. Other owned property of the bank
	а. Investments in real estate	137990.00
	b. Other assets acquired during credit settlements	360000.00
	c. Less: Reserves for possible losses on other own property of the bank	360000.00
	d. Net other owned property of the bank	137990.00
	13. Other assets	107712400.00
	14. Total assets	2124426066.00
	LIABILITIES AND EQUITY
	LIABILITIES
	15. Demand deposits		577759473.00
	16.Savings deposits
	17. Term deposits		908621433.00
	18. Due to Central Bank of Uzbekistan		4671534.00
	19. Due to other banks		50213401.00
	20. Securities sold under REPO agreement
	21. Due loans and leasing operations		65335623.00
	22. Subordinated debt obligations
	23. Due accrued interests		9994513.00
	24. Other liabilities		96491888.00
	25. Total liabilities		1713087865.00
	EQUITY
	26. Authorized capital
	а. Ordinary shares		300000000.00
	b. Privileged stocks
	27. Additional paid-in capital		72334.00
	28. Reserve capital		14623147.00
	а. Reserve fund for general purposes		13206475.00
	а.1.out of which:, reserves created on standard assets
	b. Reserve for devaluation
	c. Other reserves and funds		1416672.00
	29. Retained profit		96642720.00
	30. Total equity		411338201.00
	31. Total liabilities and equity		2124426066.00

6	Report on financial results
	Категории	тыс. сум.
	1. INTEREST INCOME
	a. Interest income in accounts at the Central Bank of Uzbekistan	6783562.00
	b. Interest income in accounts at other banks	9971738.00
	c. Interest income on purchased commercial notes
	d. Interest income on investments
	e. Interest income on securities’ purchase and sale accounts	8915100.00
	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	156831729.00
	i. Interest income on purchased securities under REPO agreements	12101389.00
	j. Other interest income	124021671.00
	k. Total interest income	318625189.00
	2. INTEREST EXPENSES
	а. Interest expenses on demand deposits	70513.00
	b. Interest expenses on savings deposits
	c. Interest expenses on term deposits	107606664.00
	d. Interest expenses due to the Central Bank of Uzbekistan
	e. Interest expenses due to other banks	1778125.00
	f. Total interest expenses on deposits	109455302.00
	g. Due interest expenses on loans	3346637.00
	h. Interest expenses on sold securities under REPO agreements
	i. Other interest expenses	118955091.00
	j. Total interest expenses on liabilities	122301728.00
	k. Total interest expenses	231757030.00
	3. NET INTEREST INCOME BEFORE ESTIMATION OF POSSIBLE LOSSES ON CREDITS AND LEASING	86868159.00
	а. Less: Estimation of possible losses on loans and leasing	15802950.00
	b. Net interest income after estimation of possible losses on loans and leasing	71065209.00
	4. NON-INTEREST INCOME
	a. Income on commission and fees for services	220496911.00
	b. Profit in foreign currency	127270971.00
	c. Profit on commercial operations
	d. Profit and dividends on investments	336821.00
	e. Other non-interest income	14428130.00
	f. Total non-interest income	362532833.00
	5. NON-INTEREST EXPENSES
	а. Expenses on commission and fees for service	100131298.00
	b. Losses in foreign currency	76457135.00
	c. Losses on purchase and sale accounts
	d. Losses from investments
	e. Other non-interest expenses	136289.00
	f. Total non-interest expenses	176724722.00
	6. NET INCOME BEFORE OPERATING EXPENSES	256873320.00
	7. OPERATING EXPENSES
	а. Salaries and other expenses for employees	61965051.00
	b. Lease and maintenance	12171998.00
	c. Assignment and transportation expenses	1117055.00
	d. Administrative expenses	7962860.00
	e. Representation and charity	6888250.00
	f. Depreciation	18910190.00
	g. Insurance, taxes and other expenses	10131438.00
	h. Total operating expenses	119146842.00
	8. ESTIMATION OF NON-LOAN LOSSES	25183978.00
	9. NET PROFIT BEFORE TAXES AND OTHER AMENDMENTS	112542500.00
	а. Estimation of income tax	23353821.00
	10. INCOME BEFORE AMENDMENTS	89188679.00
	а. Net unexpected income or loss
	b. Other net adjustments to profit
	11. NET PROFIT (LOSS)	89188679.00

7	Responsible persons
	Full name of the Executive body’s Head:	Буваназаров Алишер Анварович
	Full name of the chief accountant:	Абдуллаев Шавкатжон Исмоилович
	Full name of authorized person, who published information on the website:	Исаков Шохрух Илхомович

Issuer is responsibe for the accuracy and completeness of information published on the portal by him

* Дата размещения информации на ЕПКИ после исправления недостоверных сведений (ошибок)

Number of issuers by year

Top 4 essential facts type

General Statistics

	JSC	LLC
Total issuers
Total disclosures
Essential facts
Prospectuses
Quarterly reports
Annual reports
Charters