Universalbank
- 1. Private Joint-Stock Commercial Bank Uzbekistan 2017 GROWTHTOGETHER
- 2. MARKET POSITIONING In Uzbekistan is a two- er banking system, which is divided into: 1 The 弌entral 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 assets24th place; Equity of banks 24th place; Loan por olio 24th place; Deposits 23rd place; Net pro鍖t 21st place; ROA 6th place; ROE 11th place. Legal En es Individuals Private Joint-Stock Commercial Bank 束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 鍖nancial 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 Pro鍖t ROA ROE 24th place 1 24th place 21st place 24th place 23rd place 6th place 11th place Growth Together 8
- 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 Growth Together
- 4. BRANCHES OF THE BANK KOKAND TASHKENT FERGANA YANGIKURGAN ZANGIOTA 3 Growth Together
- 5. FINANCIAL INDICATORS Annual interna onal ra ng from the Interna onal ra ng company 束Standard&Poor's損 is 束B-損 with outlook Stable Ra ng Ahbor-Rey ngisUzB 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%(仄亳仆.12,5%) LiquidityRatio52,0%(仄亳仆.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束Universal Bank損is 209,7 bln.soums As of31.12.2017 liabiki es of PJSC束Universal Bank損 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 鍖nance Overdra s Factoring & leasing Payments& payroll projects Overdra s Long & medium-term 鍖nancing 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 Banks core focus in lending Higher margin lending and alterna ve funding base Top products: Share: Summary: 6 Growth Together
- 8. CORRESPONDENTS 7 Growth Together 亊 弌丐 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 束State Universal Agro- Industrial Exchange損 The 1st Interbank Depositary Representa ve Insurance Company Plehanov Russian Universityof Economics JSC 束Quartz損 8 束Landesbank Baden-Wurttemberg損 束Toyota Tsusho Corporation損 束Latvian Chamber Of Commerce And Industry損 束Universal Sugurta損 ZTE Investment 束Temir Yo'l-Sug'urta損 Representa ve Representa ve Growth Together
- 10. The main shareholders: LLC 束Prosperity Investment損 LLC 束GEWINNLUX損 JSC IC 束UNIVERSAL SUG`URTA損 FC LLC 束KARAT INVEST損 LLC 束FACTOR-LEAZING損 SHAREHOLDERS Shareholders: legal en es 48%, individuals 52% Legal en es Individuals 9 48% 52% Growth Together
- 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 (4) Liquidity coverage ratio Economic normatives actual value normative value Growth Together 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: 11 Facebook Telegram Web site E-mail UniversalPAY Growth Together
- 13. CONTACTS: Private Joint-Stock Commercial Bank 束Universal Bank損 Address: Uzbekistan, Kokand, 150700, Shohruhobod street Tel: +998 (71) 200 11 10 Fax: +998 (71) 215-61-20 12 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 Growth Together E mail: info@universalbank.uz- Private Joint-Stock Commercial BankPrivate Joint-Stock Commercial Bank