Private Joint-Stock Commercial Bank

1. Private Joint-Stock Commercial Bank
Uzbekistan 2017
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2. MARKET POSITIONING
In Uzbekistan is a two- er banking system, which is divided into:
1– The Сentral Bank of the Republic of Uzbekistan
2– Commercial banks
Posi ons in ra ngs:
Source: Na onal Ra ng Agency "Ahbor-Ra ng“. www.ahbor-rey ng.uz
Total assets–24th place;
Equity of banks –24th place;
Loan por olio –24th place;
Deposits –23rd place;
Net profit –21st place;
ROA –6th place;
ROE –11th place.
Legal En es Individuals
Private Joint-Stock Commercial Bank «Universal bank" was
established in 2001 and since that is func oning as a private
universal banking ins tu on, providing a wide range of financial
services to legal en es and individuals.
Employees
Number of employees– 200.
Number of corporates –over 7000
Number of individuals –over 60000
220 Over 8 000 Over 70 000
Total Assets
Capital
Loan Por olio
Deposits
Net Profit
ROA
ROE
24th place
1
24th place
21st place
24th place
23rd place
6th place
11th place
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3. LICENSES AND MEMBERSHIP
General License for providing opera ons in foreign currency
License for conduc ng banking opera ons.
Uzbekistan Banking Associa on
Fund of Guarantee Ci zens‘ Deposits in Banks
Uzbekistan Republican Currency Exchange
Na onal Associa on of Securi es Market Par cipants of the Republic of Uzbekistan
Interbank payment system of the Republic of Uzbekistan
Interna onal payment system VISA Interna onal
Society for Worldwide Interbank Financial Telecommunica ons S.W.I.F.T.
Interna onal money transfer systems
2
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4. BRANCHES OF THE BANK
KOKAND
TASHKENT
FERGANA
YANGIKURGAN
ZANGIOTA
3
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5. FINANCIAL INDICATORS
Annual interna onal ra ng from the Interna onal ra ng
company «Standard&Poor's» is «B-» with outlook “Stable”
Ra ng “Ahbor-Rey ng”isUzB
Corporate governance system is in place in the Bank,
including the Internal control and Risk management systems
Financial statements of the Bank are audited annually by
an independent audi ng company in accordance with IFRS
69,6
76,5
109,1
149,2
19,2 20,0
23,8
29,3
ASSETS AND CAPITAL
(bln.soums)
Assets
Capital
28,3 34,7
48,8
74,7
47,5 54,2
91,9
LOANS AND DEPOSITS
(bln.soums)
Loan Por olio
Deposits
80,9
2013 2014 2015 2016
NET PROFIT
(bln.soums)
STRUCTURE OF INCOME
Interest Income Non-Interest Income
2013 2014 2015 2016
4
Growth Together
216,1
33,9
2017
2013 2014 2015 2016 2017
1,0
1,6
2,2
3,0
4,8
30% 70%
CapitalAdequacyRatio-15,3%(мин.12,5%)
LiquidityRatio–52,0%(мин.30%)
106,3
182,1
2017

6. ASSETS AND LIABILITIES STRUCTURE ASSETS DYNAMICS
(bln. soums)
141%
41273
26532
1755
110%
41806
30291
4404
112%
60255
42617
6203
2013 2014 2015
Retail loans Corporate loans Other assets
LIABILITIES DYNAMICS
(bln. soums)
110%
112%
151%
13929
33609
2843
7884
46319
2273
13416
67503
4358
2013
Retail deposits
2014 2015
Corporate deposits Other liabili es
As of31.12.2017 assets of PJSC«Universal Bank»is 209,7 bln.soums
As of31.12.2017 liabiki es of PJSC«Universal Bank» is 171,0 bln.soums
ASSETS STRUCTURE
Due to other banks
Corporate loans
Loans to individuals
Other assets
Due from other banks
Corporate deposits
Retail deposits
Other liabili es
LIABILITIES STRUCTURE
5
1USD = 8 120,07 UZS
Currency rates as of 31.12.2017.
Growth Together
70% 4,2%
23%
2,8%
40%
44%
10,6%
5,4%
2016 2017
5 430
69 308
74 751
11 885
94 492
86 754136%
130%
2016
140%
18 340
73 551
27 942
2017
130%
41 724
126 554
13 861

7. DIVERSIFIED BUSINESS MODEL
CORPORATE MSME RETAIL
Current & term accounts
Guarantees
Trade finance
Overdra s
Factoring & leasing
Payments& payroll
projects
Overdra s
Long & medium-term
financing
Factoring & leasing
Cash collec on, card processing
& payment processing
Mortgages
Consumer & auto
loans
Internet & mobile
banking
Deposits
10% of total loan por olio 80% of total loan por olio 10% of total loan por olio
Added-value services
and important funding
base
Bank’s core focus in
lending
Higher margin lending
and alterna ve funding
base
Top products:
Share:
Summary:
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8. CORRESPONDENTS
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АЗИЯ ИНВЕСТ БАНК
KOOKMIN BANK
TRANSKAPITALBANK
SBERBANK OF RUSSIA
NATIONAL BANK FOR FOREIGN ECONOMIC
ACTIVITY OF THE REPUBLIC OF UZBEKISTAN
IPAK YULI BANK
UZBEK INDUSTRIAL AND CONSTRUCTION BANK
PROMSVYAZBANK
ASIA INVEST BANK
Uzbekistan
Uzbekistan
Uzbekistan
Russia
Russia
Russia
Russia
Korea
INSTITUTION COUNTRY

9. BANK CUSTOMERS AND PARTNERS
JSC «State Universal Agro-
Industrial Exchange»
The 1st Interbank
Depositary
Representa ve
Insurance Company
Plehanov Russian
Universityof Economics
JSC «Quartz»
8
«Landesbank Baden-Wurttemberg»
«Toyota Tsusho Corporation»
«Latvian Chamber
Of Commerce
And Industry»
«Universal Sug’urta»
ZTE Investment
«Temir Yo'l-Sug'urta»
Representa ve
Representa ve
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10. The main shareholders:
LLC «Prosperity Investment»
LLC «GEWINNLUX»
JSC IC «UNIVERSAL SUG`URTA»
FC LLC «KARAT INVEST»
LLC «FACTOR-LEAZING»
SHAREHOLDERS
Shareholders: legal en es – 48%, individuals – 52%
Legal en es
Individuals
9
48%
52%
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11. 10
31 December 2013
Aggregate Capital
Charter Capital
Total Assets
Loan Portfolio
including:
Consumer Loans
Microloans
Leasing
Investment Portfolio
Deposits
Funds of population
Revenue
Expenses
Net Profit
Tier 1 Equity
Total Equity (Tier 1 + Tier 2)
Capital adequacy ratio
Capital adequacy ratio of 1-Tier
Leverage
Current liquidity ratio (Н4)
Liquidity coverage ratio
Economic normatives
actual value normative value
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KEY FINANCIAL INDICATORS
INDICATOR
In millions of UZS
31 December 2014 31 December 2015 31 December 2016 31 December 2017
actual value normative value actual value normative value actual value normative value actual value normative value
29 356,6
22 707,7
149 190,3
74 738,7
5 430,4
7 274,0
4 132,8
5 013,9
91 891,5
20 300,4
22 871,7
19 863,8
3 007,9
21 094,8
23 203,5
23 818,4
18 207,0
109 096,5
48 843,5
5 249,0
3 007,2
4 043,8
3 991,9
80 919,3
14 756,7
14 769,7
12 589,9
2 179,9
17 447,9
17 447,9
20 040,4
16 643,4
76 502,5
34 695,7
3 610,2
1 200,8
4 079,9
3 748,2
55 940,4
9 648,7
12 877,9
11 265,8
1 612,1
18 130,4
19 742,5
19 179,1
16 643,4
69 561,4
28 292,8
495,7
210,2
3 943,3
3 550,4
49 475,0
16 303,5
10 394,2
9 334,9
1 059,2
17 814,6
18 873,8
28,3%
32%
23,8%
52,5%
0
min - 10%
min - 5%
min - 6%
min - 30%
min - 0
31,3%
36,4%
25,5%
50,9%
0
min - 10%
min - 5%
min - 6%
min - 30%
min - 0
19,3%
19,3%
16%
50,6%
78,8%
18,6%
16,9%
14,1%
45,5%
103%
min - 11,5%
min - 8,5%
min - 6%
min - 30%
min - 80%
15,3%
12,2%
10,8%
52%
104,5%
min - 12,5%
min - 9,5%
min - 6%
min - 30%
min - 90%
min - 10%
min - 7,5%
min - 6%
min - 30%
min - 80%
33 927,4
24 171,9
216 066,5
106 288,7
103 839,1
8 240,8
2 449,6
4 662,9
168 278,6
41 724,9
61 250,7
56 410,5
4 840,2
22 793,9
26 254,6

12. SOCIAL MEDIA PRESENCE:
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13. CONTACTS:
Private Joint-Stock Commercial Bank
«Universal Bank»
Address: Uzbekistan, Kokand,
150700, Shohruhobod street
Tel: +998 (71) 200 11 10
Fax: +998 (71) 215-61-20
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Private Joint-Stock Commercial Bank
Anvar Irchaev
Chairman of the Supervisory Board
Tel.: +998 (71) 200-11-10
Mob: +998 (93) 380-20-22
E-mail: airchaev@gmail.com
Djahongir Shamansurov
Foreign Economic Activity Dept.
Nodir Nizamitdinov
Member of the Supervisory Board
Tel.: +998 (71) 200-11-10
Mob: +998 (91) 190-00-71
E-mail: djahongir.shamansurov@universalbank.uz
Tel.: +998 (71) 200-11-10
Mob: +998 (90) 966-00-80
E-mail: nodirbek9999@gmail.com
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E mail: info@universalbank.uz-
Private Joint-Stock Commercial BankPrivate Joint-Stock Commercial Bank