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Yuklab Olish ЮКСАКЛИККА ИНТИЛГАНЛАР УЧУН ДЛЯ ТЕХ, КТО ХОЧЕТ РАСТИ FOR THOSE WHO WANT TO DEvElOp ALOQABANK 1 ЮКСАКЛИККА ИНТИЛГАНЛАР УЧУН ЮКСАКЛИККА ИНТИЛГАНЛАР УЧУН ДЛЯ ТЕХ, КТО ХОЧЕТ РАСТИ ДЛЯ ТЕХ, КТО ХОЧЕТ РАСТИ ALOQABANK FOR THOSE WHO WANT TO DEvElOp FOR THOSE WHO WANT TO DEvElOp ALOQABANK Мундарижа Содержание Contents Банк Кенгашининг мурожаати Обращение Совета банка Address of Supervisory Board 1. Банк ҳақида умумий маълумот 1. Общие сведения о банке 1. Overview 2. 2015 йилдаги банк 2. Основные финансовые 2. Main financial indicators and фаолиятининг асосий молиявий показатели и важные события major events of the Bank’s кўрсаткичлари ва муҳим деятельности банка 2015 года activities in 2015 воқеалари • Важные события 2015 года • Major events of 2015 • 2015 йилнинг муҳим воқеалари 3. Принципы, миссия и ценности 3. Principles, mission and values 3. Тамойиллар, вазифа ва қадриятлар 4. Отчет Правления банка 4. Report of the Executive Board 4. Банк Бошқаруви ҳисоботи • Клиентская база • Customer base • Мижозлар базаси • Активы банка • Bank assets • Банк активлари • Cобственный капитал • Equity capital • Хусусий капитал • Уставный капитал • Share capital • Устав капитали • Кредитная деятельность • Credit activity • Кредит фаолияти • Внешнеэкономическая деятельность • Foreign economic activity • Ташқи иқтисодий фаолият • Информационные технологии • Information technologies • Ахборот технологиялари • Кадровая политика • Personnel policy • Кадрлар сиёсати 5. Стратегия развития банка 5. Development strategy 5. Банкнинг ривожланиш 6. Корпоративное управление 6. Corporate governance стратегияси • Общее собрание акционеров • General meeting of shareholders 6. Корпоратив бошқарув • Совет банка • Supervisory Board • Акциядорлар умумий йиғилиши • Правление банка • Executive Board • Банк Кенгаши 7. Отчет по МСФО 7. IFRS report • Банк Бошқаруви 8. Дополнительные сведения 8. Additional information 7. МҲХС бўйича ҳисобот 8. Қўшимча маълумотлар 2 2015 йилЛИК Ҳисобот 3 2015 ГОДОВОЙ ОТЧЕТ 2015 ANNuAl REport ЮКСАКЛИККА ИНТИЛГАНЛАР УЧУН ЮКСАКЛИККА ИНТИЛГАНЛАР УЧУН ДЛЯ ТЕХ, КТО ХОЧЕТ РАСТИ ДЛЯ ТЕХ, КТО ХОЧЕТ РАСТИ ALOQABANK FOR THOSE WHO WANT TO DEvElOp FOR THOSE WHO WANT TO DEvElOp ALOQABANK Ҳурматли акциядорлар, Уважаемые акционеры, Dear Shareholders, банк мижозлари ва клиенты банка и Customers and ҳамкорлар! партнеры! Partners of the bank! анк-молия тизимида ислоҳотларни янада истемное реализация программ по даль- he consistent implementation of programs чуқурлаштириш ва кўламини кенгайтириш нейшему углублению реформ в банковско- aimed at further deepening reforms in the Ббўйича қабул қилинган дастурларнинг тизимли амалга Cфинансовой сфере и расширение его масштабов откры- Tbanking and financial area and expanding its scope оширилиши банкнинг муваффақиятли фаолият юрити- вает широкие возможности для успешной деятельно- opens broad opportunities for banks’ successful oper- ши учун кенг имкониятлар очиб бермоқда. Ўз навбати- сти банка. В свою очередь, АК «Алокабанк» достойно ation. In turn, the Joint-Stock Commercial Aloqabank, да, АТ “Алоқабанк” 2015 йилга белгиланган вазифаларни выполняя возложенные на него задачи в 2015 году, which carried out its responsibilities in 2015, has been шараф билан адо этиб, республикамиз иқтисодиёти- вносит свой ощутимый вклад в развитие отечествен- making a tangible contribution to the development of ни ривожлантириш ва барқарор ўсишини таъминлаш ной экономики и обеспечение ее устойчивого роста, а the national economy and its stable growth as well as ҳамда халқимиз фаровонлигини юксалтириш йўлида ўз также обеспечивает стабильное благополучия нашего ensuring stable prosperity of our nation. ҳиссасини қўшиб келмоқда. народа. As a result of clear and consistent reforms in 2015, Ҳисобот йилида амалга оширилган изчил ва аниқ В результате точных и последовательных реформ в the Bank succeeded in increasing its capitalization, ислоҳотлар натижасида банкнинг капиталлашув да- отчетном году достигнуто повышение уровня капита- strengthening its liquidity and resource base, as well as ражасини оширишга, ресурс базасини ва ликвидли- лизации банка, укрепление ликвидности и ресурсной its investment activity. Moreover, apart from providing гини янада мустаҳкамлашга, инвестицион фаолликни базы, усиление инвестиционной активности банка. Бо- financial support for small businesses and private entre- кучайтиришга эришилди. Шунингдек, кичик бизнес лее того, наряду с финансовой поддержкой субъектов preneurs, it has managed to ensure stable growth in all ва хусусий тадбиркорлик субъектларини молиявий малого бизнеса и частного предпринимательства был of its financial indicators. қўллаб-қувватлаш билан бирга банкнинг барча мо- обеспечен стабильный рост всех финансовых показате- The financial results for 2015 reveal that the bank’s лиявий кўрсаткичларининг барқарор ўсиши таъмин- лей банка. assets have increased by 20.6 percent, equity capital by ланди. По финансовым результатам 2015 года активы 23.6 percent, share capital by 7.8 percent, and net in- Ҳисобот санасига банк активлари 20,6 фоизга, хусу- банка повысились на 20,6 процентов, собственный come has grown by 31.2 percent. сий капитали 23,6 фоизга, устав капитали эса 7,8 фоизга капитал – на 23,6 процентов, уставной капитал на The measures taken by the Bank to form a credit ўсиб, молиявий йил якунларига кўра олинган соф фойда 7,8 процента и чистая прибыль, полученная по итогам portfolio and step up its investment activities in 2015 ўтган йилга нисбатан 31,2 фоизга ошди. финансового года, выросла на 31,2 процента. have helped to increase the volume of the loan portfolio Банк кредит портфелини шакллантириш ҳамда инве- В результате принятых мер по формированию кре- by 35.2 percent, and it is noteworthy that 96.3 percent стицион фаоллигини ошириш юзасидан кўрилган чора- дитного портфеля, а также повышению инвестицион- of the portfolio consists of long-term loans. тадбирлар натижасида, 2015 йил давомида кредит порт- ной активности банка в течение 2015 года объем кре- As a result of large-scale work carried out in an effort фели ҳажми 35,2 фоизга ошди. Кредит портфелининг дитного портфеля увеличился на 35,2 процента, и стоит to support small business and private entrepreneurship, 96,3 фоизи узоқ муддатли кредитлар улушига тўғри ке- особо отметить, что 96,3 процента портфеля составили which is one of the Bank’s core activities, the volume of лиши алоҳида эътиборга молик. долгосрочные кредиты. loans made available in 2015 for these purposes has in- Банк фаолиятининг ғоят муҳим йўналишларидан В результате широкомасштабных работ, проведен- creased 1.14 times as compared with a similar period бири ҳисобланган кичик бизнес ва хусусий тадбиркор- ных в рамках финансовой поддержки малого бизнеса in 2014. ликни молиявий қўллаб-қувватлаш борасида амалга и частного предпринимательства, что является одним Most importantly, positive results and stable growth оширилган кенг қамровли ишлар натижасида, 2015 йил- из важнейших направлений деятельности банка, объ- rates achieved by the Bank are highly assessed and да банк томонидан кичик бизнес ва хусусий тадбиркор- ем кредитов, выделенных в 2015 году для этих целей recognized by national and international rating agen- лик субъектларига ажратилган кредитлар ҳажми ўтган по сравнению с аналогичным показателем 2014 года, cies. For instance, Moody’s Investors Service, a leading йилга нисбатан 1,14 баробарга ошди. увеличился в 1,14 раза. 4 2015 йилЛИК Ҳисобот 5 2015 ГОДОВОЙ ОТЧЕТ 2015 ANNuAl REport ЮКСАКЛИККА ИНТИЛГАНЛАР УЧУН ЮКСАКЛИККА ИНТИЛГАНЛАР УЧУН ДЛЯ ТЕХ, КТО ХОЧЕТ РАСТИ ДЛЯ ТЕХ, КТО ХОЧЕТ РАСТИ ALOQABANK FOR THOSE WHO WANT TO DEvElOp FOR THOSE WHO WANT TO DEvElOp ALOQABANK Энг муҳими, банк томонидан эришилаётган ижобий Самое главное, положительные результаты и темпы provider of credit ratings, research, and risk analysis, gave натижалар ҳамда барқарор ўсиш суръатлари халқаро ва стабильного роста, достигаемые банком, высоко оцени- the Bank a ‘Stable’ outlook for eight years in a row, and миллий рейтинг агентликлари томонидан юксак баҳо- ваются и признаются национальными и международ- these indicators were affirmed again for the 2015. ланиб, эътироф этиб келинмоқда. Жумладан, «Moody’s ными рейтинговыми агентствами. Например, в течение Further increase in the bank’s capitalization, improve- Investors Service» халқаро рейтинг агентлиги томони- восьми лет подряд банку присуждены рейтинговые ment of the quality, volume and profitability of assets, дан банкка кетма-кет саккиз йил давомида «Барқарор» оценки «Стабильный» Международным рейтинговым ensuring stable growth of all indicators, regarding the рейтинг баҳолари берилиб, ушбу кўрсаткичлар 2015 йил агентством «Moody’s Investors Service» и эти показатели bank’s activities by means of taking partnerships with учун ҳам қайта тасдиқланди. утверждены повторно и на 2015 год. customers and financial organizations to a new level were Банкнинг капиталлашув даражасини янада ошириш, Дальнейшее повышение капитализации банка, defined as the Bank’s top-priority goals for the near fu- активлар сифати, салмоғи ва даромадлилигини яхши- улучшение качества, объема и прибыльности активов, ture. лаш, мижозлар ва молиявий ташкилотлар билан ҳам- обеспечение стабильного роста всех показателей, каса- The accomplishment of these goals will be instrumen- корлик муносабатларини янги босқичга кўтариш орқали ющихся деятельности банка посредством повышения tal in increasing the living standards and prosperity of the банк фаолиятига доир барча кўрсаткичларнинг барқа- партнерских отношений с клиентами и финансовыми ор- population as well as in boosting
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