Commercial banks of Uzbekistan
August 10, 2005
JETRO Tashkent office
Copyright 2005 JETRO Content Part 1 Overview of Banking System ...... 3 Total table: Business information...... 4 Total table: Staff information...... 8 Total table: Service charges ...... 10 Total table: Owners ...... 12 Total table: Clients ...... 15
Part 2
1. National Bank for Foreign Economic Activity of Uzbekistan ...... 18 2. State Joint-Stock Commercial bank "ASAKA Bank"...... 22 3. State Commercial "Uzbekiston Respublikasi Xalq banki"...... 24 4. UzDaewoo bank ...... 26 5. ABN AMRO Bank N.B.Uzbekistan A.O...... 28 6. Branch Bank "Saderat Iran" ...... 30 7. Uzbek-Turkish bank (UT bank)...... 32 8. Uzbek International Bank "UzPrivatBank"...... 34 9. Joint-Stock Commercial “Pakhta Bank”...... 36 10. Joint Stock Commercial "IpotekaBank"...... 39 11. Joint-Stock Commercial "UzSanoatQurilishBank"...... 41 12. Republican Joint-Stock Commercial Bank “Gallabank”...... 43 13. Joint Stock Commercial Bank "Hamkorbank" ...... 45 14. Joint Stock Commercial Bank "Tadbirkor bank"...... 47 15. Joint Stock Innovation Commercial Bank "Ipak yuli bank"...... 49 16. Joint Stock Commercial Bank for promotion of trade & commerce "Savdogar bank"...... 51 17. Joint Stock Commercial Bank "Aloqabank" ...... 53 18. Joint Stock Commercial "Turon bank" ...... 55 19. Joint Stock Exchange Bank "Trustbank"...... 57 20. Joint-Stock Commercial "Kapital Bank"...... 59 21. Private Joint Stock Commercial “Credit-standard bank” ...... 61 22. Private Joint Stock Commercial Bank "Alp-Jamol bank"...... 63 23. Private Joint Stock Commercial Bank "Parvina - Bank"...... 65 24. Private Joint Stock Commercial "Universalbank" ...... 67 25. Private Joint Stock Commercial Bank "Ravnak-Bank"...... 69 26. Private Joint Stock Commercial "Samarkand bank"...... 71 27. Private Joint Stock Commercial "Turkiston bank" ...... 73 28. Private Joint Stock Commercial Bank "Davr bank"...... 75 29. Private Joint Stock Commercial "Uktambank"...... 77
Page 2 of 78 Commercial banks of Uzbekistan The paper gives general information about Uzbek banks, their financial performance, management and staff, service charges as well as clients and owners.
Information is provided in two parts. The first part is 5 total tables, in which shown all banks. In total tables banks are presented in tables named as: “Business information”, “Staff”, “Service charges”, “Owners” and “Clients”. Banks in total tables sorted by owners (state, with foreign capital, joint-stock, private banks).
At the second part data shows separate profile of every bank in such tables: Table A. “General information”, Table B. “Business information”, Table C. “Staff”, Table D. “Service charges”, Table E. “Owners”, and Table F. “Clients”.
Overview of Banking System
The Uzbek banking sector appeared to arrive in 1990 after independence of the Republic of Uzbekistan. Now it consists of two levels, one is the Central Bank of the Republic of Uzbekistan (Central Bank) wielding control over a range of commercial banks and the second consists of commercial banks.
The Central Bank is in charge of establishing national monetary policy, issuing currency, and operating of national payment system.
Currently the second level of banking system consists of 29 commercial banks, including 3 state-owned banks. Although these three banks are state their main goal is profit and government participate at banks capital as shareholder. Two of them (National Bank for Foreign Economic Activity of Uzbekistan and State Joint- stock Commercial Asaka Bank) own about 70% of total Uzbek banks assets and both of them to be privatized during 2006-2010 years.
Nowadays banking system of Uzbekistan is progressively changing. There were 32 commercial banks at the end of 2004. Currently their number has decreased to 29 due to the merger of “Zamin Bank” with “UzUyJoyJamgarmaBank” and “Kapital bank” with “AviaBank” and closure of “Business Bank”.
The information herein has been obtained from public sources, banks or their websites. Yet JETRO makes no representation as to the accuracy or completeness of such information. JETRO is neither liable for any losses, damages led by using of the information contained in this paper.
Information in this paper constitutes conditions as of the date of this paper or shown date. This paper is released for informational purposes only. It is not to be construed as an offer to buy or sell or a solicitation of an offer or to participate in any particular trading strategy in any jurisdiction.
Data described in this paper may not be suitable for all companies and companies must make their own decisions using their own independent advisors as they believe necessary and based upon their specific financial situations and investment objectives.
Copyright 2005 JETRO
This paper was prepared by Mr. Baratov, senior coordinator of JETRO Tashkent. If you have any comments please refer to [email protected]
Page 3 of 78 Total table: Business information
Business information
Bad debts Credit (% from Bank # Establish Capital Net profit Assets Assets Reliabili Bank name Year portfolio general Liquidity group ed (mln. $) (mln. $) (mln. $) profitability ty (mln. $) credit portfolio)
2002 462.00 14 3,030.51 2,011.42 0.45% National Bank for 1 Foreign Economic 1991 2003 474.00 12 3,059.00 2,358.00 0.39% Activity of Uzbekistan
2004 485.00 11 2,920.00 2,219.00 0.36%
2002 130.90 4.63 256.59 131.38 1.8% State Joint-Stock 2 Commercial bank 1996 2003 150.33 7.83 346.70 217.09 2.3% "ASAKA Bank" State banks banks State 2004 139.88 1.17 487.56 326.22 0.2%
2002 15.62 1.02 71.12 13.37 1.4% 76% State Commercial 3 "Halq bank" (Peoples 1993 2003 19.76 0.10 79.95 12.68 0.1% 69% bank) 2004 9.45 70.89
2002 9.48 1.47 34.87 5.99 4.2%
4 Uzdaewoo bank 1997 2003 10.22 1.98 45.45 7.21 4.4%
2004 10.52 1.89 40.90 6.52 4.6%
2002 13.10 3.90 60.01 7.33 6.5%
ABN AMRO Bank 5 1995 2003 10.27 1.07 92.72 8.46 1.2% 47.5% N.B.Uzbekistan A.O.
2004 9.43 0.13 106.25 7.29 0.1%
2002 5.46
Branch Bank "Saderat 6 2000 2003 4.98 -0.39 7.11 0.51 -5.48% Iran"
2004 5.99 -0.62 7.36 0.21 -8.39% banks Foreign
2002 5.19 0.34 7.42 4.6%
Uzbek-Turkish bank 7 1993 2003 5.67 0.10 8.91 0.27 1.09% (UT)
2004 5.40 0.11 10.72 0.78 1.00%
2002 4.28
Uzbek International 8 1995 2003 4.94 0.08 22.78 6.23 0.35% Bank "Uzprivatbank"
2004 5.13 0.56 25.81 10.49 2.16%
Page 4 of 78
Business information Bad debts Credit (% from # Establish Capital Net profit Assets Assets Reliabili Bank name Year portfolio general Liquidity Bank ed (mln. $) (mln. $) (mln. $) profitability ty (mln. $) credit group portfolio)
2002 50.00 1.67 225.54 84.47 0.02% 4.60% 33.30% 65.90% Joint-Stock Commercial Pakhta 9 1995 2003 52.81 4.68 264.20 117.67 0.40% 5.90% 27.80% 67.00% Bank (Bank name means: Cotton) 2004 52.88 5.05 233.15 134.03 0.40% 5.00% 25.70% 68.70%
Joint Stock Bank 2002 "IpotekaBank" (Bank name means: Mortgage) Founded in 10 2005 2003 April 2005 in result of merging UzJilSberBank & ZaminBank Apr. 05 30.93 1.63 329.02 115.73 0.5%
Joint-Stock 2002 29.67 7.33 247.09 0.23% 3.4% 83.5% Commercial "UzSanoatQurilishBan 11 k" (Bank name means: 1922 2003 30.90 2.58 318.32 210.72 0.39% 3.0% 54.6% 85.7% Industrial and Construction Bank of Uzbekistan) 2004 29.09 2.55 374.99 235.64 0.10% 2.3% 54.3% 80.7%
2002 11.13 3.35 78.93 64.44 11.0% 28.0% 74.0% Republican Joint- Stock Commercial 12 Bank «Gallabank» 1994 2003 13.07 2.19 80.37 63.81 12.6% 22.0% 62.0% (Bank name means: Grain) 2004 13.02 3.05 63.26 50.29 11.4% 31.0% 75.0%
2002 3.89 1.36 15.96 11.30 8.52% Joint Stock banks stock Joint Commercial Bank 13 1991 2003 5.94 1.72 24.69 17.94 6.98% "Hamkorbank" (Bank name means: Partner) 2004 8.95 1.96 41.83 31.78 4.68%
2002 6.02 0.66 31.43 2.11% Joint Stock Commercial Bank 14 "Tadbirkor bank" 1993 2003 4.74 0.21 35.45 22.05 0.6% (Bank name means: Entrepreneur) 2004 4.75 0.21 45.62 32.07 0.5%
2002 2.63 0.77 13.67 5.6% Joint Stock Innovation Commercial Bank 15 "Ipak yuli bank" 1990 2003 3.26 0.69 25.86 15.71 2.7% (Bank name means: Silk road ) 2004 4.23 0.98 42.48 18.86 2.3%
Joint Stock 2002 6.53 0.35 45.90 12.06 0.8% Commercial Bank for promotion of trade & 16 1994 2003 4.28 0.26 40.84 31.50 0.6% commerce "Savdogar bank" (Bank name means: Trader) 2004 4.04 0.53 35.30 26.57 1.5%
Page 5 of 78
Business information Bad debts # Credit (% from Establish Capital Net profit Assets Assets Reliabili Bank Bank name Year portfolio general Liquidity ed (mln. $) (mln. $) (mln. $) profitability ty group (mln. $) credit portfolio)
2002 3.21 -0.27 13.98 7.43 -2.0% Joint Stock Commercial Bank 17 "Aloqabank" (Bank 1995 2003 3.90 0.71 20.02 10.16 3.6% name means: Communication) 2004 4.03 0.84 24.49 12.80 3.4%
2002 3.96 0.41 14.64 6.65 2.83% Joint Stock 18 Commercial "Turon 1990 2003 3.98 0.05 25.41 13.24 0.20% bank" 2004 3.58 0.21 26.49 14.74 0.80%
2002 2.06 -0.25 7.85 3.18 1.70% -3.16% 38.60% 71.40% Joint stock banks banks stock Joint Joint Stock Exchange 19 1994 2003 2.04 0.13 10.43 3.84 1.30% 1.28% 34.00% 72.30% Bank "Trustbank"
2004 1.98 -0.08 13.61 4.58 0.70% -0.59% 29.70% 54.90%
Joint-Stock 2002 0.88 0.09 1.52 0.59 5.72% Commercial "Kapital Bank" Founded in 20 2001 2003 0.96 0.06 5.51 1.54 1.07% 2001, in Feb 2005 merged with AviaBank 2004 1.37 0.13 16.02 5.82 0.84%
2002 Private Joint Stock 21 Commercial Credit- 2003 2003 1.47 0.09 4.53 0.30 1.98% standard bank 2004 2.60 1.24 13.14 0.04 9.44%
2002 1.27 0.48 2.80 1.24 17.13% Private Joint Stock 22 Commercial Bank 1998 2003 1.60 0.30 8.31 3.76 3.66% "Alp-jamol bank"
2004 1.97 0.55 9.80 4.92 5.63%
2002 1.87 0.09 17.49 6.47 0.49% Private Joint Stock 23 Commercial Bank 1994 2003 2.04 0.12 14.04 10.80 0.85% "Parvina - Bank" 2004 1.87 0.04 12.98 10.56 0.29% 27.26% 38.40% Private banks banks Private
2002 0.79 0.13 2.16 6.07% Private Joint Stock 24 Commercial 2000 2003 1.23 0.21 4.88 3.12 4.29% "Universalbank" 2004 0.94 -0.07 3.75 2.23 -1.87%
2002 0.21 0.04 1.05 0.44 3.60% 24.00% 65.70% Private Joint Stock Commercial Bank 25 "Ravnak-Bank (Bank 2001 2003 0.69 0.02 3.99 2.10 0.55% 20.10% 53.50% name means: Development) 2004 0.90 0.07 12.56 3.26 5.00% 0.55% 7.40% 80.00%
Page 6 of 78
Business information Bad debts Bank # Credit (% from Establish Capital Net profit Assets Assets Reliabili group Bank name Year portfolio general Liquidity ed (mln. $) (mln. $) (mln. $) profitability ty (mln. $) credit portfolio)
2002 Private Joint Stock 26 Commercial 2000 2003 0.08 -0.0041 0.19 0.09 -2.12% "Samarkand bank" 2004 0.09 0.0001 0.82 0.03 0.01%
2002 0.08 0.03 0.73 3.76% Private Joint Stock 27 Commercial 1998 2003 0.07 0.04 0.69 0.17 5.49% "Turkiston bank"
2004 0.06 0.0005 0.48 0.21 0.10% banks Private
Private Joint Stock 2002 Commercial Bank 28 2001 2003 "Davr bank" (Bank name means: Epoch) 2004 Private Joint Stock 2002 Commercial 29 "Uktambank" (Bank 1998 2003 name is the name of 2004 1.52 2.55 founder Uktam)
Page 7 of 78 Total table: Staff information # Staff information Bank Management Total number Bank of employees group Position Name Previous job: (thousand)
1 National Bank for Foreign 6.1 Chairman of the Mr. Tashmuradov Sh. Deputy of the Chairman of Central Bank of Economic Аctivity of board Uzbekistan Uzbekistan (NBU) First Deputy Mr. Gulyamov R. Deputy of the Chairman of Central Bank of Uzbekistan Deputy Mr. Nurullaev B. Zamin Bank
Deputy Mr. Khidirov Y. Central Bank of Uzbekistan
Deputy Mr. Bazarov T. Army forces
2 State Joint-Stock Chairman of the Mr. Juraev Cabinet of Ministers of Uzbekistan Commercial bank "ASAKA board
Bank" banks State 1.9 First Deputy Mr. Oripov K. Central Bank of Uzbekistan
Deputy Mr. Mirbabaev B. Central Bank of Uzbekistan 3 State Commercial "Halq Chairman of the Mr. Jumageldiev M. Central Bank of Uzbekistan bank" (Bank name means: board Peoples bank) 10.8 First Deputy Mr. Haidarov A.
4 Uzdaewoo bank Chairman of the Mr. Jung Myung Djang (South board Korea) 0.05 Deputy Mr. Turgunov N. 5 ABN AMRO Bank Chairman of the Mr. Minderhaud (Netherlands) N.B.Uzbekistan A.O. board
0.07 Deputy Mr. Saumya S. (India)
Deputy Mr. Gulyamov R. Central Bank of Uzbekistan
6 Branch Bank "Saderat Chairman of the Mr. Hanni I. (Iran) 0.03 Iran" board 7 Uzbek-Turkish bank (UT- Chairman of the Mr. Gun M. (Turkey) banks Foreign bank) 0.09 board First Deputy Nuritdinov K. 8 Uzbek International Bank Chairman of the Mr. Ergashev A. (Uzbekistan) "Uzprivatbank" board
First Deputy Mr. Usmanov E.
9 Joint-Stock Commercial Chairman of the Mr. Boymuratov A. Head of the Secretariat of the Prime- Pakhta Bank (Bank name board Minister means: Cotton) Deputy Mr. Sharipov I. Head of Pakhta Bank branch in Jizzak 7.5
Deputy Mr. Tangirberdiev O. Director of the Risks Management Center
10 Joint Stock Bank Chairman of the Mr. Shorahbarov R. First deputy of the chairman of "IpotekaBank" (Bank name board UzSanoatQurilishBank 4.1 means: Mortgage) Deputy Mr. Nosirov N. 11 Joint-Stock Commercial Chairman of the Mr. Rustamov K. Central Bank of Uzbekistan "UzSanoatQurilishBank" board (Bank name means: banks Joint-stock Industrial and Construction 1.9 Deputy Ms. Kozlova N. Bank of Uzbekistan)
12 Republican Joint-Stock Chairman of the Mr. Urinboev I. Commercial Bank board «Gallabank» (Bank name 1.4 First Deputy Mr. Rakhmonov A. means: Grain)
Page 8 of 78
# Staff information Bank Management Total number Bank of employees Position Name Previous job: group (thousand)
13 Joint Stock Commercial Chairman of the board Mr. Ibragimov I. Bank "Hamkorbank" 0.9 (Bank name means: Deputy Mr. Kadirov N. Partner) 14 Joint Stock Commercial Chairman of the board Mr. Tursunov K. Bank "Tadbirkor bank" (Bank name means: 2.3 First Deputy Mr. Karaliev T. Entrepreneur) Deputy Ms. Karimova Z. 15 Joint Stock Innovation Chairman of the board Mr. Rahimbekov Commercial Bank "Ipak 0.3 First Deputy Mr. Mirzaev A. yuli bank" (Bank name means: Silk road ) Deputy Mr. Mirtursunov Z. 16 Joint Stock Commercial Chairman of the board Mr. Nurmatov M. Bank "Savdogar bank" (Bank name means: 1.7 First Deputy Mr. Boymurodov A. Trader) 17 Joint Stock Commercial Chairman of the board Mr. Ibrohimov M. Deputy of the chairman of Aloqabank Bank "Aloqabank" 0.5 (Bank name means:
Communication) Deputy Mr. Ibragimov Z. Joint-stock banks 18 Joint Stock Commercial Chairman of the board Mr. Orifjonov D. Bank "Turon bank" 0.8 Deputy Muhamadiev K.
19 Joint Stock Exchange Chairman of the board Mr. Soliev I. Bank "Trustbank" 0.2 First Deputy Abdukhaharov I. Deputy Samarkhodjaev F. 20 Joint-Stock Commercial Chairman of the board Mr. Abdusamadov M. Chairman of Business Bank "Kapital Bank" Deputy Ms. Ziyaeva I. Head of currency circulation department of 0.3 NBU Deputy Mr. Normatov B. Head of forex control & international relations department of Central Bank 21 Private Joint Stock Chairman of the board Mr. Mukhamedjanov K. Head of Tashkent city branch of NBU Commercial Bank 0.06 First Deputy Ms. Gaivoronskaya N. Head of Corporate clients Department of "Credit-standard bank" NBU
22 Private Joint Stock Chairman of the board Mr. Nasrullaev H. Commercial Bank "Alp- 0.16 Deputy Mr. Abdurashidov F. Uzbek-Turkish Bank jamol bank" 23 Private Open Joint Stock Chairman of the board Mr. Kadirov A. Commercial Bank 0.28 Deputy Mr. Djabarov M. "Parvina - Bank" 24 Private Joint Stock Chairman of the board Mr. Yuldashev A. Commercial Bank 0.10 "Universalbank" Deputy Abdullaev O. 25 Private Joint Stock Chairman of the board Mr. Umirov B. Commercial Bank "Ravnak-Bank (Bank 0.08 Deputy Mr. Rakhmanov M. name means: Development) 26 Private Joint Stock Chairman of the board Mr. Normurodov D. banks Private Commercial Bank "Samarkand bank" 27 Private Joint Stock Chairman of the board Mr. Rasulov A. Commercial Bank 0.03 "Turkiston bank" Deputy Mr. Holbekov Yu. 28 Private Joint Stock Chairman of the board Mr. Hasanov E. Commercial Bank
"Davr bank" (Bank name means: Epoch) 29 Private Joint Stock Chairman of the board Mr. Shukurov A. Commercial Bank Deputy Ms. Tursonova Sh. "Uktambank"
Page 9 of 78 Total table: Service charges # Services charges Bank Bank Local payments International payments LC & Guarantee Cash withdrawal group
1 National Bank for Foreign 0.4% from transfer amount 0,2% (min $ 30 max $ LC - 1% UZS - 2% Economic Аctivity of Uzbekstan 2000) Guarantee - 0.1% per quarter USD - 3%
2 State Joint-Stock Commercial 0.05%-0.4% from transfer 0.15%-0.2% (min $ 30 LC - 0.2%-0.5% (min $40) UZS - 1% bank "ASAKA Bank" amount max $5000)
Guarantee - 0.05%-0.15% USD - 1% banks State
3 State Commercial "Halq bank" (Bank name means: Peoples bank) 4 Uzdaewoo bank 5 ABN AMRO Bank $2 per transfer 0.1%-1.5% (min $100) LC - 0.8%-0.5% (per quarter) UZS - 1% N.B.Uzbekistan A.O. (min $250)
Guarantee - 0.8%-0.5% (per USD - 1.5% quarter) (min $250) 6 Branch Bank "Saderat Iran" 7 Uzbek-Turkish bank (UT-bank) 8 Uzbek International Bank Service 1) 30$ monthly & 0,15% (min $10, max LC -3% (per quarter) 1.0%
"Uzprivatbank" 0.1% from transfers amount $1000) banks Foreign
Service 2) 100$ monthly & Guarantee - 0.5%-0.8% (per free transfers quarter)
9 Joint-Stock Commercial Pakhta 0.5%-1% from transfer 0.1% (min $ 30- max $ LC - 0.2%; min $ 100 max $ 2.0% Bank (Bank name means: amount 200) 2000 (per quarter) Cotton) 10 Joint Stock Bank "IpotekaBank" (Bank name means: Mortgage) 11 Joint-Stock Commercial 0.3%-1.5% from transfer 0.15%-0.2% LC - 0.15%-0.2% (min $100, "UzSanoatQurilishBank" (Bank amount max $1000) name means: Industrial and Construction Bank of Uzbekistan) Guarantee - 0.15% 12 Republican Joint-Stock Commercial Bank «Gallabank» (Bank name means: Grain) 13 Joint Stock Commercial Bank "Hamkorbank" (Bank name means: Partner) 14 Joint Stock Commercial Bank "Tadbirkor bank" (Bank name means: Entrepreneur) 15 Joint Stock Innovation Commercial Bank "Ipak yuli bank" (Bank name means: Silk road) banks Joint-stock 16 Joint Stock Commercial Bank "Savdogar bank" (Bank name means: Trader) 17 Joint Stock Commercial Bank "Aloqabank" (Bank name means: Communication) 18 Joint Stock Commercial Bank “Turon bank”
19 Joint Stock Exchange Bank 0.2%-0.5%+$0.14 from 0,2 % + additional LC - 0.3% (min $ 150 max $ UZS - 2%-3% "Trustbank" transfer amount charges 2500) As agreed USD - 1% 20 Joint-Stock Commercial "Kapital Service 1) 50$ monthly & Bank" 0.1% from each transfer 0,25 % (min $ 10 и max As agreed 1.50% $ 150) Service 2) 100$ monthly & free transfers
Page 10 of 78
# Services charges
Bank Local payments International payments LC & Guarantee Cash withdrawal Bank group 21 Private Joint Stock Commercial Bank "Credit-standard bank"
22 Private Joint Stock Commercial Bank "Alp-jamol bank"
23 Private Open Joint Stock 0.1%-0.2% (max $ 100- LC - 0.25% (per quarter) Commercial Bank "Parvina - 130) Bank" Guarantee - 0.1%-0.3% USD - 5% 24 Private Joint Stock Commercial Bank "Universalbank"
25 Private Joint Stock Commercial 0.2%-0.25% from transfer 0.3% (max $250) LC & Guarantees - 5% 2% Bank "Ravnak-Bank (Bank amount name means: Development)
26 Private Joint Stock banks Private Commercial Bank "Samarkand bank" 27 Private Joint Stock Commercial Bank "Turkiston bank" 28 Private Joint Stock Commercial Bank "Davr bank" (Bank name means: Epoch) 29 Private Joint Stock Commercial Bank "Uktambank"
Page 11 of 78 Total table: Owners
# Bank name Owners Shares % Comments Bank group 1 Government of Uzbekistan 100.00 49% shares are for sale National Bank for Foreign Economic
Activity of Uzbekistan (NBU)
2 State Joint-Stock Commercial bank Ministry of Finance of Uzbekistan 98.33 51% shares are for sale "ASAKA Bank" "UzAvtoProm" JSC (Cars maker) 1.67
3 State Commercial "Halq bank" (Bank Ministry of Finance of Uzbekistan 51.00 banks State name means: Peoples bank) Central Bank of Uzbekistan 49.00 4 Uzdaewoo bank "Daewoo securities" (South Korea) 55.00 EBRD 25.00 "Optimal Access Investment Co Ltd" (Malaysia) 10.00 National Bank for Foreign Economic Activity of 5.00 Uzbekistan "Turon bank" (Uzbekistan) 5.00 5 ABN AMRO Bank N.B.Uzbekistan ABN AMRO Bank (Netherlands) 58.80 A.O. National Bank for Foreign Economic Activity of 17.60 Uzbekistan International Financial Corporation (World Bank 11.80 group) EBRD 11.80 6 Branch Bank "Saderat Iran" Bank Saderat Iran 100.00 Foreign banks banks Foreign 7 Uzbek-Turkish bank (UT-bank) "Ziraatbank" (Turkey) 50.00 Pakhta Bank (Uzbekistan) 50.00 8 Uzbek International Bank "Fortis Bank" (Netherlands) 19.00 "Uzprivatbank" "Inter Republic Holding" (Luxemburg) 10.80 "Brentwood & Co" (Great Britain) "Addison Ventures" (Great Britain) Almalyk Mining-Metallurgical complex, Navoi Mining & Metallurgy Combinat (Uzbekistan)
UzSanoatQurilishBank 9 Joint-Stock Commercial Pakhta Bank Legal entities (20310) (Bank name means: Cotton) Persons (56359) Main shareholders: "UzPakhtasanoat" Association 5.60 "UzAgrokimyo" Association 1.30 "UzAgrosugurta" State Insurance Stock Company 0.60 "Uzselkhozmashholding" Stock Company 0.60 Total main shareholders 8.10 10 Ministry of Finance of Uzbekistan Founded in April 2005 in result of merging State Property Committee of Uzbekistan UzJilSberBank (78.8% of new bank capital) & JSC "Tashkent varnish & paint factory' ZaminBank 14.7% of new bank capital), other Joint Stock Bank "IpotekaBank" JSC "Uzbek Metallurgic Corporation" 6.5% of capital to be (Bank name means: Mortgage) placed in 2005 Almalyk Beer Corporation
City administration of Tashkent Joint-stock banks Others Persons 22.00 11 Joint-Stock Commercial Oil & Gas related companies (Uzbekistan)-14 35.80 "UzSanoatQurilishBank" (Bank name means: Industrial and Construction Electricity & energy related companies (Uzbekistan)-2 5.31 Bank of Uzbekistan) Chemical industry - 3 5.05
"UzbekInvest" National Export & Import Insurance 1.66 Company Other legal entities (3810) 34.58
Persons (29180) 17.60
Page 12 of 78
# Bank name Owners Shares % Comments Bank group 12 Republican Joint-Stock Commercial Legal entities (1829) About 44 enterprises of Bank «Gallabank» (Bank name UzDonMahsulot (Grain means: Grain) products) controls 55- 60% voting shares Persons (3434)
13 Joint Stock Commercial Bank "Hamkorbank" (Bank name means: Partner) 14 Joint Stock Commercial Bank Legal entities (2083) "Tadbirkor bank" (Bank name means: Persons (557) Entrepreneur) Main shareholders: State Property Committee of Uzbekistan "Madad' Insurance company 15 Joint Stock Innovation Commercial "UzbekInvest" National Export & Import Insurance 14.37 Bank "Ipak yuli bank" (Bank name Company means: Silk road) "Baraka" Universal leasing company 10.61 "Marvel Juice" JV 7.74 "Miller Trading GmbH" 6.29 "Sayreks" JV 6.29 "UzKommunIssiqliqTa'mir" JSC (heating supply) 6.29 Others 48.41 16 Joint Stock Commercial Bank "Toytepa textile" In 2000 merged with "Savdogar bank" (Bank name means: MevaSabzavotBank "UzbekSavdo" (Trade) Trader) (which served "UzbekInvest" National Export & Import Insurance agricultural companies), Company and in 1998 with "AkhangaranCement" JSC (Cement) LegPromBank (which 42.5 "Savdo Taraqqiyoti" JSC (Trade) served textile industry) "ToshTukimachi" JSC (Textile) "UzbekEngilSanoat" State JSC (Textile)
"LegPromInvest" JSC (Textile) Joint-stock banks Other legal entities (5458) 56.00 Persons (2621) 1.50 17 Joint Stock Commercial Bank Uzbek Agency of communication & informatization 6.40 "Aloqabank" (Bank name means: Communication) JSC "UzbekTeleKom" 6.80 "Matbuot Tarkatuvchi" (Press ditributor) 6.90 Others 79.90 18 Joint Stock Commercial Bank "Turon Ministry of agriculture & water industry related 35.80 bank" companies Other legal entities Persons 19 Joint Stock Exchange Bank "AGAMA" Ltd (Textile) 9.00 "Trustbank" "Cinema" Ltd 7.00 "NG Service" JV 7.00 Other legal entities 59.00 Persons 18.00 20 Joint-Stock Commercial "Kapital Uzbekistan Airways 7.34 Bank" Other airways related companies 28.09 Total airways related shareholders 35.43 Private companies (industry) 39.98 In February of 2005 JSC "Kapital Sugurta" (insurance) 6.13 merged with AviaBank
Others 2.94 Persons 15.52 21 Private Joint Stock Commercial Bank Legal entities 49.00 "Credit-standard bank" Persons 51.00 22 Private Joint Stock Commercial Bank "Vis Agro Ltd" 20.00 "Alp-jamol bank" Other legal entities 1.20 Persons 78.80 23 Private Open Joint Stock Commercial Legal entities (5) 35.50 Bank "Parvina - Bank" banks Private Persons (15) 64.50
Page 13 of 78
# Bank name Owners Shares % Comments Bank group 24 Private Joint Stock Commercial Bank "Universalbank"
25 Private Joint Stock Commercial Bank Legal entities 25.82 "Ravnak-Bank (Bank name means: Development) Persons 74.18 26 Private Joint Stock Commercial Bank "Samarkand bank"
27 Private Joint Stock Commercial
Bank "Turkiston bank" banks Private
28 Private Joint Stock Commercial Bank Legal entities 24.00 "Davr bank" (Bank name means: Epoch) Persons 76.00 29 Private Joint Stock Commercial Founder: Mr. Tursunov Bank "Uktambank" Uktam
Page 14 of 78 Total table: Clients # Clients Bank Clients quantity, (thousands) Structure The biggest clients group Bank name (sector, % of total q-ty) Total quantity 582.73 Industry 12.47% Navoi Mining Plant (Mining) persons 534.55 Agriculture 25.85% JSC “Kizilkumtsement” (Cement) companies 48.19 Transport 0.04% JV “Zarafshan NewMont” (Mining) National Bank for Building 46.59% JV “Kabul Fergana” (Textile) Foreign Economic Trade 0.32% JSC “Uzbeksavdo”(Trade company) Activity SJRC “Uzbekiston Temir Yullari” (Railway
Other 14.73% Company)
NAC “Uzbekiston Havo Yullari” (Airway Company) 1 JV “Shakar Investment” (Sugar)
JV “UzBAT” (British American Tobacco) Branches of JSC “Dori Darmon” (Medicine and drugs)
Branches of “Uzdurobita” IA (Cellular company) Companies of the Association “Uz Yog Moytamaki” (Food oil) banks State JV JSC “Andijancabel” (Cables) JSC PC “Fayz” (Furniture production) Total quantity Industry 10.64 "UzDaewooAuto" JSC persons Agriculture 18.27 "SamKochAuto" JV State Joint-Stock companies 19.81 Transport 1.32 2 Commercial bank "ASAKA Bank" Building 4.34 Trade 6.19
Other 59.24 Halq bank (Peoples bank) Total quantity 9,030.00 3 persons 9,000.00 companies 30.00 Persons 99.67% Uzdaewoo bank Total quantity Industry 80% "Unitel" (Cellular company) persons "Toytepa Textile" 4 companies 0.50 "Daewoo Textile"
"Nestle" JV Total quantity 1.35 Almalyk Mining-Metallurgical complex persons "UzbekNeftegaz" National Holding company (Oil ABN AMRO Bank 0.85 5 & gas) N.B.Uzbekistan A.O. companies 0.50 "Zaravshan Newmont" (Gold mining) "Amantaytau Goldfields" (Gold mining) Branch Bank "Saderat Total quantity "Iran Air" 6 Iran" persons "Asko" Foreign banks banks Foreign companies 0.10 "Viakim chemical" Uzbek-Turkish bank (UT) Total quantity "Turkish Airlines" 7 persons "Beta Algoritm" companies 0.30 "Tashkent pipe plant" Uzprivatbank Total quantity 8 persons companies Total quantity 357.0 Industry 0.44% "UzPakhtasanoant" Association (Cotton) Joint-Stock Commercial persons 248.2 Agriculture 44.12% "Tashkent Tractor plant" SC (Tractors) Pakhta Bank companies 108.8 Transport 0.28% "Quvasay cement" SC (Cement)
Building 0.75% "Kvarts" SC (Glass)
Trade 1.95% "Elektrochimzavod" JV (Apparatus) 9 Other 52.46% "Taminotchi-Pakhta" SC (Cotton)
"Aim Textile" SC (Textile)
banks Joint-stock "Kashtex" SC (Textile)
"UzAgrosugurta" State Insurance Stock Company
"TashAgromashleasing" SC (Leasing)
Page 15 of 78
Clients Bank name Clients quantity, (thousands) Structure The biggest clients Bank # (sector, % of total q-ty) group
Joint Stock Bank Total quantity 274 "IpotekaBank" persons 241 Founded in April 2005 in 10 result of merging
UzJilSberBank & companies 33 ZaminBank Total quantity 374.00 "Chirchik ElectrohimProm" (Chemical) persons 349.61 "Navoi Azot" (Chemical) Joint-Stock Commercial "UzSanoatQurilishBank" companies 24.39 "Navoi TES" (Energy) (Bank name means: "Bukhara BIPZ" (Oil) 11 Industrial and "Mubarek GPZ" (Gas)
Construction Bank of "Ferghana Azot" (Chemical) Uzbekistan) "Ferghana Oil Refinary Plant"
"Ammofos" (Chemical) Total quantity 55.50 Industry persons 36.10 Agriculture 50.19% Republican Joint-Stock companies 19.40 Transport 12 Commercial Bank «Gallabank» Building Trade Other Joint Stock Commercial Total quantity 55.00 Bank "Hamkorbank" 13 persons (Bank name means:
Partner) companies Joint Stock Commercial Total quantity 30.00 Bank "Tadbirkor bank" 14 persons (Bank name means:
Entrepreneur) companies Joint Stock Innovation Total quantity 12.70 Commercial Bank "Ipak
15 persons 2.30 banks Joint-stock yuli bank" (Bank name means: Silk road) companies 10.40 Joint Stock Commercial "UzPlodOvoshVinPromHolding" (Fruits & Bank "Savdogar bank" Total quantity 24.00 vegetables) 16 (Bank name means: "ToshkentVino" (alcoholic drinks) Trader) persons 8.00 companies 16.00 17 Joint Stock Commercial Total quantity Main clients: communication related companies Bank "Aloqabank" (Bank persons name means: Communication) companies Joint Stock Commercial Total quantity Main clients: affiliates of Ministry of agriculture Bank "Turon bank" 18 persons & water industry which are responsible for water pipes & irrigation systems, small business. companies 7.30 Total quantity 3.78 Uzbek Commodity exchange
persons 0.64 Novator Joint Stock Exchange 19 companies 3.13 Agis Metek Bank "Trustbank" Intersok (Juice)
Sibur (Juice) Total quantity 48.43 Industry 3.76% persons 47.13 Agriculture 0.47% Joint-Stock Commercial companies 1.28 Transport 0.63% 20 "Kapital Bank" Building 2.20% Trade 5.73% Other 85.54% Private Joint Stock 21 Commercial Bank "Credit-standard bank"
Private Joint Stock Total quantity 5.70 "Marvel juice" 22 Commercial Bank "Alp- persons "Tashkent parranda" JSC (chiken) jamol bank" banks Private companies "Kurilish mollari savdo" (Trade)
Page 16 of 78
Clients Bank name Clients quantity, (thousands) Structure The biggest clients Bank # (sector, % of total q-ty) group
Private Joint Stock Total quantity 26.69 Tashkent Financial Institute (Education) 23 Commercial Bank persons 4.43 JSC "SINO" (Manufacturer of home appliances) "Parvina - Bank" companies 22.25 Private Joint Stock Total quantity 2.00 "Kurilish industriya" (Building) 24 Commercial Bank persons "Technika Ltd" "Universalbank" companies "Ferghana Railways" Total quantity 1.51 "Uzvneshtrans" (Transport) persons 1.25 "Uzselhozmashholding" (Agriculture techniques) companies 0.26 "AU Turon" (Mining)
"Sifat" (Certification Centre)
"Neftegazinspektsiya" (Oil & Gas) Private Open Joint Stock Commercial Bank 25 "Shark Electronic" (Trade) "Ravnak-Bank" "Mehnat Halol" (Food)
"Iriston ovlod"
Join-Venture "Regotmas-Asia" "Gunesh Tekstil" (Textile)
"Santimpeks" (Trade) banks Private
Private Joint Stock 26 Commercial Bank "Samarkand bank"
Private Joint Stock 27 Commercial Bank "Turkiston bank"
Private Joint Stock 28 Commercial Bank "Davr bank" (Bank name means: Epoch) Private Joint Stock 29 Commercial Bank "Uktambank"
Page 17 of 78 1. National Bank for Foreign Economic Activity of Uzbekistan (Short name NBU)
Address 101, Amir Temur Street, Tashkent, Uzbekistan, 700084
Table A A Table Tel (99871) 1375977 1375946
Fax (99871) 1333200 1375958
E-mail [email protected]
Web-site www.nbu.com
Short-history National Bank for Foreign Economic Activity of the Republic of Uzbekistan was established in September 7, 1991 by the Degree of the President of the Republic of Uzbekistan Islam Karimov on the base of local branch of VneshTorg bank of USSR.
Management of the bank includes the Council and the Board. Council of the bank consists of the following members: the Minister of Finance (Chairman of the Council), representatives of the Central bank, Ministry of Economics, Agency for Foreign Economic Affairs, State property committee. The Board consists of the Chairman, his deputies and Senior Executive Directors. Government of the country committed to the bank responsible mission of integration of Uzbekistan in world finance markets, attraction of foreign investments, support export production, organization of international payments, providing wide range of banking services of high quality. National Bank of Uzbekistan is a state bank, property of the Republic of Uzbekistan. 99 branches (Principal branches address attached) and one subsidiary Asia-Invest Branches and Bank in Moscow, Russia their address
Business information
Credit Bad debts (% Capital Net profit Assets Assets Year portfolio from general Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) profitability (mln. $) credit portfolio)
2002 462.0 13.6 3,030.5 2,011.42 0.00 0.45% 0.00
2003 474.0 11.9 3,059.0 2,358.00 0.39%
2004 485.0 10.6 2,920.0 2,219.00 0.36%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Page 18 of 78 1. National Bank for Foreign Economic Activity of Uzbekistan
Staff information Total number of Management* employees Position Name Previous job: (thousand) 6.1 Chairman of the Mr. Tashmuradov Sh. Deputy of the Chairman
Table C C Table board - (Appointed on Jun 2005) of Central Bank of Uzbekistan
First Deputy - Mr. Gulyamov R. Deputy of the Chairman of Central Bank of Uzbekistan
Deputy - Mr. Nurullaev B. Zamin Bank
Deputy - Mr. Khidirov Y. Central Bank of Uzbekistan
Deputy - Mr. Bazarov T. Army forces
As for Jun 2005
Services charges Local International LC & Guarantee Cash withdrawal payments payments 0.4% from 0,2% (min $ 30 LC - 1% (per quarter) UZS - 2%
Table D D Table transfer max $ 2000) Guarantee - 0.1% (per USD - 3% amount quarter)
Owners Shares % Comments Government of 100.00 49% shares are for sale Uzbekistan
Table E Table
Page 19 of 78 1. National Bank for Foreign Economic Activity of Uzbekistan
Clients Quantity (thousands) Structure The biggest clients Table F F Table Total quantity 582.73 Industry 1.30% Navoi Mining Plant (Mining)
Persons Agriculture 2.70% JSC “Kizilkumtsement” (Cement) 534.55 Companies Transport 0.00% JV “Zarafshan NewMont” (Mining) 48.19 Building 4.86% JV “Kabul Fergana” (Textile) JSC “Uzbeksavdo”(Trade company) Trade 0.03% SJRC “Uzbekiston Temir Yullari” (Railway Other 1.54% Company)
NAC “Uzbekiston Havo Yullari” (Airway Company)
JV “Shakar Investment” (Sugar)
JV “UzBAT” (British American Tobacco)
Branches of JSC “Dori Darmon” (Medicine and drugs)
Branches of “Uzdunrobita” IA (Cellular company)
Companies of the Association “Uz Yog Moytamaki” (Food oil)
JV JSC “Andijancabel” (Cables)
JSC PC “Fayz” (Furniture production)
Data shown as for Jan. 2005
Page 20 of 78 1. National Bank for Foreign Economic Activity of Uzbekistan
# Principal domestic branches of NBU 1 Republic of Nukus Branch 52, Garezsislik Str., Nukus City Tel: (361) 4-23-41, 4-23-45 Karakalpakstan Fax: (361) 2-94-51, 4-23-51 2 Khorazm Region Urganch Branch 150, Pahlavon Makhmud Str., Tel: (36222) 6-31-44, 6-26-44 Urganch City Fax: 6-08-62 3 Navoi Region Navoi Branch 14, Ibn Sino Sir., Navoi Tel: (43622) 3-31-98, 3-41-44 Fax: 3-39-01, 3-49-65 4 Bukhara Region Bukhara Branch 3, Muhammad Ikbol Str., Tel: (36522) 3-70-98, 3-70-02 Bukhara Fax: 3-69-73, 3-68-09 5 Kashkadarya Karshi Branch 219, Uzbekistan Str., Karshi Tel: (37522) 3-57-87, 1-00-77 Region 730000 Fax: 3-04-16 7 Samarkand Region Samarkand Branch 7, Firdowsiy Str., Samarkand Tel: (36622) 3-57-50, 1-24-29 Fax: 3-18-00, 1-06-85
8 Djizakh Region Djizakh Branch 39, Sh. Rashidov Str., Djizakh, Tel: (37222) 2-38-27, 2-37-83 708000 Fax: 6-18-79 9 Surkhandaryo Termez Branch 1, Al-Termezy Str., 732000 Tel: (37622) 2-83-10, 2-82-74 Region Termez City Fax: 2-83-71, 2-84-00 10 Sirdaryo Region Sirdaryo Branch 24, Akhmad Yassavy Str., Tel: (37222) 61537 Guliston City Fax: 6-22-86 11 Tashkent Region 29, Taras Schevchenko Str., Tel: 152-70-20, 152-77-32 Branch Tashkent Fax: 152-77-21 12 Tashkent City 1, Gafur Gulom Str., Tashkent Tel: 144-35-52 Branch Fax: 144-35-30 Tashkent Region 13 Main operational 101, Amir Temur Str., Tashkent Tel: 137-59-20 Branch City Fax: 137-59-19 14 Main operational 95, Gulamova Str., Tashkent Tel: 144-35-52, 144-35-60 City Fax: 144-35-30, 199-42-34 15 Namangan Region Namangan Branch 10, Nozim Namangonly Str., Tel: (36922) 6-50-30, 6-88-27 Namangan Fax: 6-59-98 16 Fergana Region Fargona Region 69, AI-Fargony, 712003 Tel: (37322) 4-40-36, 4-40-39 Fargona City Fax: 4-68-93, 4-71-13
17 Andijan Region Andijan Branch 39, Navoi Str., Angijan Tel: (37422) 4-53-38, 4-38-40 Fax: 4-47-21, 4-38-40
Page 21 of 78 2. State Joint-Stock Commercial bank "ASAKA Bank"
Address 67, Nukus Street, Tashkent, Uzbekistan, 700011
Tel Table A A Table (99871) 120 81 11 120 81 15 Fax (99871) 120 86 91 (99872) 55 23 27
E-mail [email protected] / [email protected]
Web-site www.asakabank.com
Short-history Founded in 1996 as Specialized State Commercial Bank to serve auto industry of Uzbekistan.
In 2001 was renamed ("Specialized" word was cut out) & stressed activity to other branches of economy. Branches 26 branches
Business information Bad debts (% Credit Capital (mln. Net profit Assets from general Assets Year portfolio Reliability Liquidity Table B B Table $) (mln. $) (mln. $) credit profitability (mln. $) portfolio)
2002 130.90 4.63 256.59 131.38 1.81% 0.00 0.00 2003 150.33 7.83 346.70 217.09 2.26% 0.00 0.00 2004 139.88 1.17 487.56 326.22 0.24% 0.00 0.00
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums
Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information* Management Total number of Position Name Previous job: employees (thousand) Table C C Table 1.85 Chairman of the Mr. Juraev Cabinet of Ministers of Uzbekistan board - First deputy - Mr. Oripov K. Central Bank of Uzbekistan
Deputy - Mr. Mirbabaev B. Central Bank of Uzbekistan Deputy - Mr. Davletmuradov P. Administration of the president of Uzbekistan
*Data shown as for Apr. 2005
Page 22 of 78 2. State Joint-Stock Commercial bank "ASAKA Bank
Services charges Local payments International LC & Guarantee Cash withdrawal payments 0.05%-0.4% from 0.15%-0.2% (min LC - 0.2%-0.5% (min $40) UZS - 1% transfer amount $ 30 max $5000) Table D D Table Guarantee - 0.05%-0.15% USD - 1%
Owners Shares % Comments
Ministry of Finance of Uzbekistan 98.33 51% shares are for sale Table E Table
"UzAvtoProm"JSC (Cars maker) 1.67 0
Clients Quantity (thousands) Structure (sector, % of total q-ty) The biggest clients Table F F Table Total quantity 19.81 Industry 10.64 "UzDaewooAuto" JSC
Persons Agriculture 18.27 "SamKochAuto" JV
Companies Transport 1.32 19.13 Building 4.34 0.00 0.00 Trade 6.19 0.00 0.00 Other 59.24
Data shown as for Jan. 2005
Page 23 of 78 3. State Commercial "Uzbekiston Respublikasi Xalq banki" (Name means "Peoples bank of the Republic of Uzbekistan")
46, Katartal street, Tashkent, Uzbekistan, 700096 Address
Tel Table A A Table (99872) 78 29 45 (99871) 173 69 19 Fax (99871) 173 86 88
E-mail no
Web-site www.xalkbank.com
Short-history Former Soviet Savings bank, in 1993 was transformed into Peoples Bank. Now is the largest retail bank of the country. In 2004 Bank became responsible for the maintenance of additional Pension system, due to this reason, till 2008 exempted from all taxes
Branches 2900 branches
Business information
Bad debts (% Credit Capital (mln. Net profit Assets (mln. from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) $) credit profitability $) portfolio)
2002 15.62 1.02 71.12 13.37 0.00 1.44% 0.00 0.76 2003 19.76 0.10 79.95 12.68 0.00 0.13% 0.00 0.69 2004 9.45 0.00 70.89 0.00 0.00 0.00% 0.00 0.00
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management * Total number of Position Name Previous job: employees (thousand) Table D D Table 10.8 Chairman of Mr. Jumageldiev M. Central Bank of the board - Uzbekistan
First Deputy - Haidarov A. 0
*Data shown as for Jul. 2005
Page 24 of 78 3. State Commercial "Uzbekiston Respublikasi Xalq banki"
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table C C Table 0.00% 0 0 0% 0 0
Owners Shares % Comments
Ministry of Finance of 51.00 0 Table E Table Uzbekistan Central Bank of Uzbekistan 49.00 0
Clients Quantity (thousands) Structure (sector, % of total q-The biggest ty) clients Table F F Table Total quantity 9,030.00 Persons 99.67% 0.00
Persons 9,000.00 0.00
Companies 30.00 0.00
Data shown as for Jan. 2005
Page 25 of 78 4. UzDAEWOO Bank
Address 1, Pushkin Street, Tashkent, Uzbekistan, 700000
Tel Table A A Table (99871) 120 80 00 Fax (99871) 120 61 49
E-mail [email protected]
Web-site
Short-history Bank was founded in 1997 to serve affiliates of Daewoo Co & other Korean companies in Uzbekistan.
Branches 1 branch
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability (mln. $) portfolio)
2002 9.48 1.47 34.87 5.99 0.00 4.22% 0.00 0.00 2003 10.22 1.98 45.45 7.21 0.00 4.35% 0.00 0.00 2004 10.52 1.89 40.90 6.52 0.00 4.62% 0.00 0.00
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.05 Chairman of the board - Mr. Jung Myung Djang (South Korea) Deputy - Mr. Turgunov N.
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table 0.00% 0 00%
Page 26 of 78 4. UzDaewoo bank
Owners Shares % Comments
"Daewoo securities" (South 55 0
Table E Table Korea) EBRD 25 0
"Optimal Access Investment Co 10 0 Ltd" (Malaysia)
National Bank for Foreign 5 0 Economic Activity of Uzbekistan
"Turon bank" (Uzbekistan) 5 0
Clients Quantity (thousands) Structure (sector, % of total The biggest clients q-ty) Table F F Table Total quantity 0.00 Industry 80% "Unitel" (Cellular company)
persons 0 0.00 "Toytepa Textile" 0.00 companies 0 0.00 "Daewoo Textile" 0.50 0 0.00 0 0.00 "Nestle" JV
Data shown as for Jan. 2005
Page 27 of 78 5. ABN AMRO Bank N.B.Uzbekistan A.O.
Address 77, Nasirov street, Tashkent, Uzbekistan, 700084 Tel
Table A A Table (99871) 120 61 41 Fax (99871) 120 63 67
Web-site www.wholesale.abnamro.com/wholesale/docs/country/uzbekistan.jsp
Short-history Bank was founded in 1995 as joint bank with NBU, EBRD, IFC and ABN AMRO Bank (Holland). But later NBU's stock was decreased.
It is the first major international bank to offer a full range of universal banking Services in Uzbekistan. The management of the bank has been entrusted to ABN AMRO Bank, one of the worlds' largest banks headquartered in the Netherlands.
Branches No
Business information
Bad debts (% Credit Capital (mln. Net profit Assets (mln. from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) $) credit profitability $) portfolio)
2002 13.10 3.90 60.01 7.33 6.49% 0.00 0.00 2003 10.27 1.07 92.72 8.46 1.15% 0.48 0.00 2004 9.43 0.13 106.25 7.29 0.13% 0.00 0.00
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table D D Table 0.1 Chairman of the board - Mr. Minderhaud H. 0.00 (Netherlands) Deputy - Mr. Saumya S. (India) 0.00 Deputy - Mr. Gulyamov R. Central Bank of Uzbekistan
Page 28 of 78 5. ABN AMRO Bank N.B.Uzbekistan A.O
Services charges Local payments International LC & Guarantee Cash withdrawal payments $2 per transfer 0.1%-1.5% LC - 0.8%-0.5% (per quarter) (min $250)UZS - 1% (min $100) Table C C Table Guarantee - 0.8%-0.5% (per quarter) USD - 1.5% (min $250)
Owners Shares % Comments
ABN AMRO Bank (Netherlands) 59 0 Table E Table
National Bank for Foreign 18 0 Economic Activity of Uzbekistan
International Financial Corporation 11.5 0 (World Bank group)
EBRD 11.5 0
Clients Quantity (thousands) Structure (sector, % The biggest clients of total q-ty) Table F F Table Total quantity 1.35 0 0.00 Almalyk Mining-Metallurgical complex "UzbekNeftegaz" National Holding Persons 0 0.00 0.85 company (Oil & gas) Companies 0 0.00 "Zaravshan Newmont" (Gold mining) 0.50 "Amantaytau Goldfields" (Gold mining) 0 0.00 0 0.00
Data shown as for Jan. 2005
Page 29 of 78
6. Branch Bank "Saderat Iran"
Address 10, Chekhov street, Tashkent, Uzbekistan,
Table A A Table Tel (99871) 120-46-50
Fax (99871) 120-46-51
E-mail No
Web-site No
Short-history Bank was founded in 2000 to serve Iranian companies in Uzbekistan.
Branches No
Business information
Bad debts (% Credit Capital (mln. Net profit Assets (mln. from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) $) credit profitability $) portfolio)
2002 5.46 0.00 0.00% 0.00 0.00 2003 4.98 -0.39 7.11 0.51 0.00 -5.48% 0.00 0.00 2004 5.99 -0.62 7.36 0.21 0.00 -8.39% 0.00 0.00
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.03 Chairman of the board - Mr. Ismailhanni (Iran) 0.00
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table
Page 30 of 78 6. Branch Bank "Saderat Iran
Owners Shares % Comments
0
Table E Table Bank Saderat Iran 100
Clients Quantity (thousands) Structure (sector, % of The biggest clients total q-ty) Table F F Table Total quantity 0.00 0 0.00 "Iran Air"
Persons 0 0.00 "Asko" 0.00 Companies 0 0.00 "Viakim chemical" 0.10
Data shown as for Jan. 2005
Page 31 of 78
7. Uzbek-Turkish bank (UT bank)
Address 15a, Drujba Narodov avenue, Tashkent, Uzbekistan, 700043
Tel Table A A Table (99871) 173 83 24 Fax (99871) 120 63 62
E-mail [email protected]
Web-site No
Short-history Bank was founded in 1993 to serve Turkish companies in Uzbekistan
Branches No
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability (mln. $) portfolio)
2002 5.19 0.34 7.42 4.64% 0.00 0.00 2003 5.67 0.10 8.91 0.27 1.09% 0.00 0.00 2004 5.40 0.11 10.72 0.78 1.00% 0.00 0.00
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand)
Table C C Table 0.09 Chairman of the board - Mr. Gun M. (Turkey) 0.00
First Deputy - Nuritdinov K. 0.00
Services charges Local payments International LC & Guarantee Cash withdrawal payments 0 0 0% Table D D Table
Page 32 of 78 7. Uzbek-Turkish bank (UT bank)
Owners Shares % Comments
0
Table E Table "Ziraatbank" (Turkey) 50
Pakhta Bank (Uzbekistan) 50 0
Clients Quantity (thousands) Structure (sector, % of The biggest clients total q-ty) Table F F Table Total quantity 0.00 0 0.00 "Turkish Airlines"
persons 0 0.00 "Beta Algoritm" 0.00 companies 0 0.00 "Tashkent pipe plant" 0.30
Data shown as for Jan. 2005
Page 33 of 78
8. Uzbek International Bank "UzPrivatBank"
51, Uzbekistan avenue, Tashkent, Uzbekistan, Address 700003 Tel Table A A Table (99871) 139 10 18 / 120 63 08 Fax (99871) 120 63 07
E-mail [email protected]
Web-site www.uzprivatbank.com
Short-history Uzbek International Bank UZPRIVATBANK was founded through the Resolution by the Cabinet of Ministers of the Republic of Uzbekistan # 171 of March 29, 1994 and its foundation agreement dated May 3, 1994.
UZPRIVATBANK started its activity from February 28, 1995 after obtaining the General License of the Central bank of Republic of Uzbekistan.
Branches No
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability (mln. $) portfolio)
2002 4.28 0.00 0.00% 0.00 2003 4.94 0.08 22.78 6.23 0.35% 2004 5.13 0.56 25.81 10.49 2.16%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Total number of Management employees Position Name Previous job: (thousand)
Table D D Table 0.07.00 Chairman of the board - Mr. Ergashev A. 0.00 (Uzbekistan)
First Deputy - Mr. Usmanov E. 0.00
Page 34 of 78 8. Uzbek International Bank "UzPrivatBank"
Services charges Local payments International payments LC & Guarantee Cash withdrawal
Table C C Table Service 1) 30$ monthly & 0.1% LC -3% (per quarter) from transfers amount 0,15% (min $10, max 1% Service 2) 100$ monthly & free $1000) Guarantee - 0.5%-0.8% (per transfers quarter)
Owners Shares % Comments
0
Table E Table "Fortis Bank" (Netherlands) 19 0 "Inter Republic Holding" (Luxemburg) 11
0 "Brentwood & Co" (Great Britain)
0 "Addison Ventures" (Great Britain)
0 Almalyk Mining-Metallurgical complex, Navoi 19.4 Mining & Metallurgy Combinat (Uzbekistan)
0 UzSanoatQurilishBank 4.8
Clients Quantity (thousands) Structure (sector, % of The biggest clients total q-ty) Table F F Table Total quantity 0.00 0 0.00 0.00
persons 0 0.00 0.00 0.00 companies 0 0.00 0.00 0.00
Data shown as for Jan. 2005
Page 35 of 78
9. Joint-Stock Commercial “Pakhta Bank” (Bank name means: Cotton)
Address 43, Mukimi street, Tashkent, 700096
Table A A Table Tel (998712) 78 20 96 / 78 20 91 Fax (99871) 120 88 18
E-mail [email protected], [email protected]
Web-site www.pakhtabank.com
Short-history In 1991 after gaining independence of our Republic, the first meeting of the former Soviet Union Agroprombank founders was held. At the meeting it was agreed to transform the bank into a stock commercial Uzagroprombank.
In 1995 it gained the status of joint stock commercial Pakhta Bank. At first Bank's goal was service to cotton-related companies. In 2001 Bank was renamed ("Specialized" word was cut out) and nowadays Bank serves all clients. Branches 199 branches (Principal branches address attached)
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability (mln. $) portfolio) 2002 50.00 1.7 225.54 84.47 0.02% 4.6% 33.3% 65.9%
2003 52.81 4.7 264.20 117.67 0.40% 5.9% 27.8% 67.0%
2004 52.88 5.0 233.15 134.03 0.40% 5.0% 25.7% 68.7%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name previous job: employees (thousand) Table D D Table 7.5 Chairman of the Mr. Boymuratov A. Head of the Secretariat of the board - Prime-Minister Deputy - Mr. Sharipov I. Head of Pakhta Bank branch in Jizzakh Deputy - Mr. Tangirberdiev O. Director of the Risks Management Center
Page 36 of 78 7. Joint-Stock Commercial “Pakhta Bank”
Services charges Local payments International LC & Guarantee Cash withdrawal payments 0.5%-1% from transfer 0.1% (min $ 30- LC - 0.2%; min $ 100 max 2% Table C C Table amount max $ 200) $ 2000 (per quarter)
Owners Shares % Comments
Table E Table Legal entities (20310) 0
Persons (56359) 0 Main shareholders: "UzPakhtasanoat" Association 5.6 0
"UzAgrokimyo" Association 1.3 0
"UzAgrosugurta" State 0.6 0 Insurance Stock Company
"Uzselkhozmashholding" 0.6 0 Stock Company
Total main shareholders 8.1 0
Clients Quantity Structure The biggest clients
Table F F Table "UzPakhtasanoant" Association Total quantity 357.0 Industry 6.01 0.19% (Cotton) Persons Agriculture 12.46 19.33% "Tashkent Tractor plant" SC (Tractors) 248.2 Companies Transport 0.02 0.12% "Quvasay cement" SC (Cement) 108.8 "Kvarts" SC (Glass) Building 22.45 0.33%
Trade 0.15 0.86% "Elektrochimzavod" JV (Apparatus)
"Taminotchi-Pakhta" SC (Cotton) Other 7.10 22.98%
"Aim Textile" SC (Textile)
"Kashtex" SC (Textile)
"UzAgrosugurta" State Insurance Stock Company "TashAgromashleasing" SC (Leasing)
Data shown as for Jan. 2005
Page 37 of 78 7. Joint-Stock Commercial “Pakhta Bank”
# Principal Domestic branches of Pakhta bank 1 Republic of Nukus Branch 101, Shomurotov str, 742000, Tel: 9987 6122 76185 Karakalpakstan Nukus City 2 Khorazm Region Urganch Branch 183, A.Bakhodirkhon str, Tel: 9987 6222 64556 740000, Urganch City 3 Navoi Region Navoi Branch 104, Memorlar str, 706800, Tel: 9987 43622 45936 Nagoya, 4 Bukhara Region Bukhara Branch 24, I.Muminov str, 705015, Tel: 9987 652 223 8553, Bukhara, 223 0527 5 Kashkadarya Karshi Branch 4, Nagoya str, 730017 Karshi, Tel: 9987 7522 35456 Region 7 Samarkand Region Samarkand Branch 4, Kuk Saroi sqr, 703057, Tel: 9987 662 311591 Samarkand,
8 Djizakh Region Djizakh Branch 7, Zargarlik Dst, 708000, Tel: 9987 7222 32347 Djizakh 9 Surkhandaryo Termez Branch 7-A, Khakeem At-Termizi Tel: 9987 7622 48604 Region str.732000, Termez City 10 Sirdaryo Region Sirdaryo Branch 57, M.Nosirov str, 707000, Tel: 9987 672 252661 Guliston City 11 Tashkent Region Tashkent Region 9, Abdulla Kadiriy str., Tel: 9871 144-09-82, Branch Tashkent, 144-09-83 12 Namangan Region Namangan Branch 1-A, B.Mashrab str., 716000, Tel: 9987 6922 63308 Namangan, 13 Fergana Region Fargona Region 11, Nagoya str, 712000 Tel: 9987 732 242561 Fergana,
14 Andijan Region Andijan Branch 37, Babur str, 710020 Andijan Tel: 9987 742 224-4904, 224-4951
Page 38 of 78
10. Joint Stock Commercial "IpotekaBank" (Bank name means: Mortgage)
Address 17, Pushkin street, Tashkent, Uzbekistan, 700000
Tel Table A A Table (99871) 133 11 22 Fax (99871) 133 03 53
Web-site
Short-history Founded in April 2005 in result of merger UzUyJoyJamgarmaBank (founded in 1997, name means "Savings & Housing") with ZaminBank (founded in 1995, name means "Land"). Main goal of the bank is development mortgage credit systems & house building
Branches 56 branches
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability (mln. $) portfolio) 2002
2003
Apr. 05 30.93 1.63 329.02 115.73 0.5%
Rate: Apr 30, 2005 - 1$ - 1087.38 Uzbek soums
Staff information* Management Total number of Position Name Previous job: employees (thousand) Table C C Table 4.1 Chairman of the Mr. Shorahbarov R. First deputy of the chairman of board - UzSanoatQurilishBank Deputy - Mr. Nosirov N. Deputy of chairman at
UzUyJoyJamgarmaBank
*Data shown as for Apr. 2005
Page 39 of 78 10. Joint Stock Commercial "IpotekaBank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table
Owners Shares % Comments
Ministry of Finance of Uzbekistan Table E Table
State Property Committee of Uzbekistan Founded in April 2005 in
result of merging JSC "Tashkent varnish & paint factory” UzJilSberBank (78.8% of
JSC "Uzbek Metallurgic Corporation" new bank capital) & ZaminBank 14.7% of new Almalyk Beer Corporation bank capital), other 6.5% City administration of Tashkent of capital to be placed in 2005 Others
Persons 22
(thousands, %) Clients Quantity Structure The biggest clients
Table F F Table 0 Total quantity 273.70 0.00% 0.00 0 Persons 0.00 241.20 0.00% 0.00 Companies 0 32.50 0.00%
Data shown as for Apr. 2005
Page 40 of 78
11. Joint-Stock Commercial "UzSanoatQurilishBank" (Bank name means: Industrial and Construction Bank of Uzbekistan)
Address 3, Shakhrisabz street, Tashkent, Uzbekistan, 700000 Tel
Table A A Table (99871) 120 45 01 Fax (99871) 133 32 40
E-mail [email protected]
Web-site www.uzpsb.com
Short-history Founded in 1922
Branches 45 branches
Business information
Bad debts (% Credit Capital (mln. Net profit Assets from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 29.67 7.33 247.09 0.23% 3.40% 0.00% 83.47%
2003 30.90 2.58 318.32 210.72 0.39% 3.00% 54.60% 85.69%
2004 29.09 2.55 374.99 235.64 0.10% 2.30% 54.33% 80.72%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand)
Table C C Table 4.1 Chairman of the board - Mr. Rustamov K. Central Bank of Uzbekistan Deputy - Ms. Kozlova N. 0
Services charges
Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table LC - 0.15%-0.2% (min $100, max $1000) 0.3%-1.5% from 0.15%-0.2% transfer amount Guarantee - 0.15%
Page 41 of 78 11. Joint-Stock Commercial "UzSanoatQurilishBank"
Owners Shares % Comments
Oil & Gas related companies (Uzbekistan)-14
Table E Table 35.80 Electricity & energy related companies 5.31 (Uzbekistan)-2 Chemical industry - 3 5.05 "UzbekInvest" National Export & Import Insurance Company 1.66
Other legal entities (3810) 34.58
Persons (29180) 17.60
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 374.00 "Chirchik ElectrohimProm" (Chemical)
Persons "Navoi Azot" (Chemical) 349.61 Companies "Navoi TES" (Energy) 24.39
0.00 "Bukhara BIPZ" (Oil) "Mubarek GPZ" (Gas) "Ferghana Azot" (Chemical) "Ferghana Oil Refinary Plant" "Ammofos" (Chemical)
Data shown as for Jan. 2005
Page 42 of 78
12. Republican Joint-Stock Commercial Bank “Gallabank” (Bank name means: Grain)
Address 36, Shakhrisabz street, Tashkent, Uzbekistan, 700060 Tel
Table A A Table (99871) 133 42 25 Fax (99871) 136 11 05
E-mail [email protected]
Web-site www.gallbank.com
Short-history Founded on the basis of the Decree # 311 of the Cabinet of Ministers of Republic of Uzbekistan in 1994 to serve grain related companies & farms as Specialized Joint-stock commercial bank.
In 2001 was renamed ("Specialized" word was cut out) & started to render services as a large universal bank to private and legal entities of different fields of activity. Branches 32 branches
Business information
Credit Bad debts (% Capital Net profit Assets Assets Year portfolio from general Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) profitability (mln. $) credit portfolio)
2002 11.13 3.35 78.93 64.44 0 11.00% 28.00% 74.00%
2003 13.07 2.19 80.37 63.81 12.60% 22.00% 62.00%
2004 13.02 3.05 63.26 50.29 11.40% 31.00% 75.00%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 1.4 Chairman of the Mr. Urinboev I. 0 board - Deputy - Mr. Rakhmonov A. 0
Page 43 of 78 12. Republican Joint-Stock Commercial Bank “Gallabank” Services charges Local payments International LC & Guarantee Cash withdrawal payments Table D D Table
Owners Shares % Comments
Table E Table Legal entities (1829) 0.00 About 44 enterprises of UzDonMahsulot (Grain products) Persons (3434) 0.00 controls 55-60% voting shares
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 55.50 Agriculture 50.2%
Persons 36.10 Companies 19.40
Data shown as for Jan. 2005
Page 44 of 78
13. Joint Stock Commercial Bank "Hamkorbank" (Bank name means: Partner)
Address 41, Navoi street, Andijan, Uzbekistan, 710011
Tel Table A A Table (9987742) 24 74 18 Fax (9987742) 24 70 39
E-mail [email protected]
Web-site
Short-history Founded in 1991 as private bank "Andijanbank", later was renamed & now operates as joint-stock bank.
Branches 21 branches
Business information
Bad debts (% Capital (mln. Net profit Assets (mln. Credit portfolio from general Assets Year Reliability Liquidity Table B B Table $) (mln. $) $) (mln. $) credit profitability portfolio) 2002 3.89 1.36 15.96 11.30 8.52% 0.00% 0.00%
2003 5.94 1.72 24.69 17.94 6.98% 0.00% 0.00%
2004 8.95 1.96 41.83 31.78 4.68% 0.00% 0.00%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.9 Chairman of the Mr. Ibragimov I. 0 board - Deputy - Mr. Kadirov N. 0
Page 45 of 78 13. Joint Stock Commercial Bank "Hamkorbank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments Table D D Table
Owners Shares % Comments
Table E Table 0.00 0
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 55.00
Persons
Companies
Data shown as for Jan. 2005
Page 46 of 78
14. Joint Stock Commercial Bank "Tadbirkor bank" (Bank name means: Entrepreneur)
Address 14, Lutfiy street, Tashkent, Uzbekistan, 700096
Table A A Table Tel (99871) 173 28 11 Fax (99871) 173 28 12
E-mail no
Web-site no
Short-history Founded in 1993 by State Property Committee, Republican Business Fund & "Madad" insurance group to promote small business.
In 2004 Republican Business Fund was closed & all tasks of the Fund were transferred to the Bank Branches 103 branches
Business information
Bad debts (% Credit Capital (mln. Net profit Assets from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 6.02 0.66 31.43 2.11% 0 0
2003 4.74 0.21 35.45 22.05 0 0.58% 0 0
2004 4.75 0.21 45.62 32.07 0 0.45% 0 0
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Total number of Management employees Position Name Previous job: (thousand)
Table C C Table 2.3 Chairman of the Mr. Tursunov K. board -
First Deputy - Mr. Karaliev T.
Deputy - Ms. Karimova Z.
Page 47 of 78 14. Joint Stock Commercial Bank "Tadbirkor bank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments Table D D Table
Owners Shares % Comments
Legal entities (2083) Table E Table Persons (557)
Main shareholders:
State Property Committee of Uzbekistan
"Madad' Insurance company
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 30.00
Persons 0.00
Companies
Data shown as for Jan. 2005
Page 48 of 78
15. Joint Stock Innovation Commercial Bank "Ipak yuli bank" (Bank name means: Silk road )
Address 12a, Farhadskaya street, Tashkent, Uzbekistan, 700135
Tel Table A A Table (99871) 120 85 52 Fax (99871) 116 58 44
E-mail [email protected]
Web-site www.ipakyulibank.com
Short-history Founded in 1990 to promote technical development & implementation of new technologies, supporting science.
Branches 5 branches
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio (mln. ReliabilityLiquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 2.63 0.77 13.67 0 5.6% 0 0
2003 3.26 0.69 25.86 15.71 0 2.7% 0 0
2004 4.23 0.98 42.48 18.86 0 2.3% 0 0
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name previous job: employees (thousand)
Table C C Table 0.35 Chairman of the Mr. Rahimbekov board -
First Deputy - Mr. Mirzaev A.
Deputy - Mr. Mirtursunov Z.
Page 49 of 78 15. Joint Stock Innovation Commercial Bank "Ipak yuli bank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments Table D D Table
Owners Shares % Comments
"UzbekInvest" National Export &
Table E Table 14.37 Import Insurance Company
"Baraka" Universal leasing 10.61 company
"Marvel Juice" JV 7.74 0 "Miller Trading GmbH" 6.29
"Sayreks" JV 6.29
"UzKommunIssiqliqTa'mir" JSC 6.29 (heating supply)
Others 51.59
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 30.00
Persons
Companies
Data shown as for Jan. 2005
Page 50 of 78
16. Joint Stock Commercial Bank for promotion of trade & commerce "Savdogar bank" (Bank name means: Trader)
Address 78, Saida Baraka street, Tashkent, Uzbekistan, 700060 Tel Table A A Table
(99871) 152 72 21 Fax (99871) 152 73 34
E-mail no
Web-site www.savdogarbank.uz
Short-history Founded in 1994 to promote trade activity on the base of Decree of the President of Uzbekistan.
In 2001 was renamed ("Specialized" word was cut out) & started to render services as an universal bank to private and legal entities of different fields of activity. Branches 45 branches
Business information
Bad debts (% Credit Capital (mln. Net profit Assets from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 6.53 0.35 45.90 12.06 0 0.8% 0 0
2003 4.28 0.26 40.84 31.50 0 0.6% 0 0
2004 4.04 0.53 35.30 26.57 0 1.5% 0 0
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand)
Table C C Table 1.7 Chairman of the Mr. Nurmatov M. board -
First Deputy - Mr. Boymurodov A.
Deputy - Mr. Mirtursunov Z.
Page 51 of 78 16. Joint Stock Commercial Bank for promotion of trade & commerce "Savdogar bank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments Table D D Table
Owners* Shares % Comments
Table E Table "Toytepa textile"
"UzbekSavdo" (Trade)
"UzbekInvest" National Export & Import Insurance Company
"AkhangaranCement" JSC (Cement) In 2000 merged with "Savdo Taraqqiyoti" JSC (Trade) MevaSabzavotBank (which served
agricultural companies), and in 1998 with LegPromBank (which served "ToshTukimachi" JSC (Textile) textile industry)
"UzbekEngilSanoat" State JSC (Textile)
"LegPromInvest" JSC (Textile)
Other legal entities (5458) 56
Persons (2621) 2
(thousands, %) Clients* Quantity Structure The biggest clients
Table F F Table "UzPlodOvoshVinPromHolding" (Fruits & Total quantity 24.00 vegetables)
Persons 8.00 "ToshkentVino" (alcoholic drinks)
Companies 16.00
*Data shown as for Jan. 2003
Page 52 of 78
17. Joint Stock Commercial Bank "Aloqabank" (Bank name means: Communication)
Address 1, Tolstoy str., Tashkent, Uzbekistan, 700000
Tel (99871) 152 72 21 Table A A Table Fax (99871) 152 73 34 E-mail [email protected]
Web-site www.alokabank.uz
Short-history Founded in 1994 on the base of the Resolution of the Cabinet of Ministers of Uzbekistan to serve communication & IT industry as Specialized Joint-Stock Commercial “AloqaBank”.
In 2001 was renamed ("Specialized" word was cut out). Branches 10 branches
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio ReliabilityLiquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability (mln. $) portfolio) 2002 3.21 -0.27 13.98 7.43 0 -2.0% 0 0
2003 3.90 0.71 20.02 10.16 0 3.6% 0 0
2004 4.03 0.84 24.49 12.80 0 3.4% 0 0
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand)* Table C C Table 0.5 Chairman of the Mr. Ibrohimov M. Deputy of the chairman board - of Aloqabank
Deputy - Mr. Ibragimov Z. 0
*Data shown as for Jan. 2003
Page 53 of 78 17. Joint Stock Commercial Bank "Aloqabank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments Table D D Table
Owners Shares % Comments
Uzbek Agency of communication &
Table E Table 6.40 informatization
JSC "UzbekTeleKom" 6.80
"Matbuot Tarkatuvchi" (Press 6.90 distributor)
Others 79.90
Page 54 of 78
18. Joint Stock Commercial "Turon bank"
Address 4A, Abay street, Tashkent, Uzbekistan, 700011
Tel Table A A Table (99871) 144 32 52 Fax (99871) 144 88 65
E-mail [email protected]
Web-site No
Short-history Founded in 1990 to serve companies responsible for water pipe & irrigation systems.
Branches 16 branches
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability (mln. $) portfolio) 2002 3.96 0.41 14.64 6.65 0 2.8% 0 0
2003 3.98 0.05 25.41 13.24 0 0.2% 0 0
2004 3.58 0.21 26.49 14.74 0 0.8% 0 0
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of employees Position Name Previous job: *(thousand) Table C C Table Chairman of the Mr. Orifjonov D. 0 board - 0.8 Deputy - Muhamadiev K. 0
*Data shown as for Jan. 2003
Page 55 of 78 18. Joint Stock Commercial "Turon bank" Services charges Local payments International LC & Guarantee Cash withdrawal payments Table D D Table
Owners Shares % Comments
Ministry of agriculture & water industry related
Table E Table 35.80 companies 0 Other legal entities
Persons
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 30.00
Persons 0.00 0.00 Companies 0.00
Data shown as for Jan. 2005
Page 56 of 78
19. Joint Stock Exchange Bank "Trustbank"
7, Navoi street, Tashkent, Uzbekistan, 700038 Address
Table A A Table Tel (998712) 41 23 43
Fax (99871) 144 76 61
E-mail [email protected]
Web-site www.trustbank.uz
Founded in 1994 to promote exchange activity. In 1997 merged JSCB Short-history «Ilmtehbank» (Science & technik bank).
Branches 2 branches
Business information
Bad debts (% Credit Capital (mln. Net profit Assets (mln. from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) $) credit profitability $) portfolio) 2002 2.06 -0.25 7.85 3.18 1.70% -3.16% 38.60% 71.40%
2003 2.04 0.13 10.43 3.84 1.30% 1.28% 34.00% 72.30%
2004 1.98 -0.08 13.61 4.58 0.70% -0.59% 29.70% 54.90%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table
0.2 Chairman of the board - Mr. Soliev I. 0 First Deputy - Abdukhaharov I. 0 Deputy - Samarkhodjaev F.
0
Page 57 of 78 19. Joint Stock Exchange Bank "Trustbank”
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table 0.2%-0.5%+$0.14 from 0,2 % + additional LC - 0.3% (min $ 150 max UZS - 2%-3% transfer amount charges $ 2500)
0.00% 0.00% As agreed USD - 1%
Owners Shares % Comments
"AGAMA" Ltd (Textile)
Table E Table 9.00
"Cinema" Ltd 7.00
"NG Service" JV 7.00 0 Other legal entities 59.00
Persons 18.00
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 3.78 Uzbek Commodity exchange
Persons 0.64 Novator
Companies 3.13 Agis Metek Intersok (Juice)
Sibur (Juice)
Data shown as for Jan. 2005
Page 58 of 78
20. Joint-Stock Commercial "Kapital Bank"
Address 32, Matbuotchilar Str. , Tashkent, Uzbekistan, 700000
Table A A Table Tel (998 71) 132-07-01/03
Fax (998 71) 132-07-04
E-mail [email protected]
Web-site www.kapitalbank.uz
Founded in 2001 as private bank "Kapitalbank", in February 2005 merged with Short-history JSC "AviaBank" and now operates as joint-stock bank.
Branches 2 branches
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability (mln. $) portfolio) 2002 0.88 0.09 1.52 0.59 0 5.72% 0
2003 0.96 0.06 5.51 1.54 1.07%
2004 1.37 0.13 16.02 5.82 0.84%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table Chairman of the Mr. Abdusamadov M. Chairman of Business Bank board -
Head of currency circulation First Deputy - Ms. Ziyaeva I. 0.3 department of NBU
Head of forex control & Deputy - Mr. Normatov B. international relations department of Central Bank
Page 59 of 78 20. Joint-Stock Commercial "Kapital Bank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table Service 1) 50$ monthly & 0,25 % (min $ 10 0.1% from each transfer и max $ 150) As agreed 1.5% Service 2) 100$ monthly & 0.00% free transfers
Owners Shares % Comments
Table E Table Uzbekistan Airways 7.34
Other airways related companies 28.09
Total airways related shareholders 35.43 In February of 2005 merged with Private companies (industry) 39.98 AviaBank
JSC "Kapital Sugurta" (insurance) 6.13
Others 2.94 Persons 15.52
Data shown as for March. 2005
Page 60 of 78
21. Private Joint Stock Commercial “Credit-standard bank”
Address 25, Kunaeva street , Tashkent, Uzbekistan, 700135
Table A A Table Tel (99871) 132-24-32
Fax (99871) 132-26-85
E-mail [email protected]
Web-site www.credit-standard.uz
Short-history Founded in 2003.
Branches No
Business information
Bad debts (% Credit Capital (mln. Net profit Assets from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 Founded in 2003
2003 1.47 0.09 4.53 0.30 1.98%
2004 2.60 1.24 13.14 0.04 9.44%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table D D Table Chairman of the Head of Tashkent city branch of Mr. Mukhamedjanov K. board - NBU 0.06 Head of Corporate clients First Deputy - Ms. Gaivoronskaya N. Department of NBU
Page 61 of 78 21. Private Joint Stock Commercial “Credit-standard bank”
Services charges Local payments International LC & Guarantee Cash withdrawal payments Table C C Table
Owners Shares % Comments
Table E Table Legal entities 49.00 0
Persons 51.00 0
Clients Quantity Structure The biggest clients Table F F Table
Data shown as for Jan. 2005
Page 62 of 78
22. Private Joint Stock Commercial Bank "Alp-Jamol bank"
Address 21, Ataturk street, Tashkent, 700042 Tel (99871) 136 16 00
Table A A Table Fax (99871) 132 10 59 E-mail [email protected]
Web-site www.alpjamolbank.com
Short-history Founded in 1998. Since issued several bonds emissions.
Branches 3 branches
Business information
Bad debts (% Capital (mln. Net profit Assets (mln. Credit portfolio from general Assets Year Reliability Liquidity Table B B Table $) (mln. $) $) (mln. $) credit profitability portfolio) 2002 1.27 0.5 2.80 1.24 0 17.1% 0.0% 0.0%
2003 1.60 0.3 8.31 3.76 0 3.7% 0.0% 0.0%
2004 1.97 0.6 9.80 4.92 0 5.6% 0.0% 0.0%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information* Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.2 Chairman of the board - Mr. Nasrullaev H. 0
Deputy - Mr. Abdurashidov F. Uzbek-Turkish Bank
*Data shown as for Aug. 2004
Page 63 of 78 22. Private Joint Stock Commercial Bank "Alp-Jamol bank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table
Owners Shares % Comments
"Vis Agro Ltd" 20.0 0
Table E Table Other legal entities 1.2 0 Persons 78.8 0
(thousands, %) Clients Quantity Structure The biggest clients
Table F F Table Total quantity 5.7 "Marvel juice"
Persons "Tashkent parranda" JSC (chicken)
Companies "Kurilish mollari savdo" (Trade)
Data shown as for Jan. 2005
Page 64 of 78
23. Private Joint Stock Commercial Bank "Parvina - Bank"
Address 82 B, Uzbekistanskaya street, Samarkand, Uzbekistan, 703005
Tel (998662) 33 52 93 / 31 05 07 Table A A Table
Fax (998662) 31 16 41
E-mail [email protected]
Web-site no
Short-history Founded in 1994
3 branches Branches
Business information
Bad debts (% Credit Capital Net profit Assets from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table (mln. $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 1.87 0.09 17.49 6.47 0 0.5%
2003 2.04 0.12 14.04 10.80 0.8% 0.0% 0.0%
2004 1.87 0.04 12.98 10.56 0.3% 27.3% 38.4%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums
Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information* Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.28 Chairman of the Mr. Kadirov A. board - Deputy - Mr. Djabarov M. 0
*Data shown as for Feb. 2005
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table 0.1%-0.2% (max LC - 0.25% (per quarter) 0% $ 100-130) 0 Guarantee - 0.1%-0.3% USD - 5%
Page 65 of 78 23. Private Joint Stock Commercial Bank "Parvina - Bank"
Owners Shares % Comments
Table E Table Legal entities (5) 35.5 0
Persons (15) 64.5 0
(thousands, %) Clients Quantity Structure The biggest clients
Table F F Table 0 Total quantity 26.7 Tashkent Financial Institute (Education)
Persons JSC "SINO" (Manufacturer of home appliances) 4.4 Companies 0 22.3
Data shown as for Feb. 2005
Page 66 of 78
24. Private Joint Stock Commercial "Universalbank"
Address 18, Istiklol street, Kokand, Uzbekistan, 713000
Tel (9987355) 24 748 / 24 809 Table A A Table Fax (9987355) 33 645
Web-site www.ubankgroup.com
Universalbank was licensed as a commercial bank on July 23, 2002. As of February 2003, Universal Bank has six branches in Short-history Tashkent, Fergana, Kokand, and Iangukurgan with plans to open additional branches in the near future.
6 branches Branches
Business information
Bad debts (% Credit Capital (mln. Net profit Assets from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 0.79 0.13 2.16 0.00 0 6.1%
2003 1.23 0.21 4.88 3.12 4.3% 0.0% 0.0%
2004 0.94 -0.07 3.75 2.23 -1.9% 0.0% 0.0%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.10 Chairman of the board - Mr. Yuldashev A.
Deputy - Abdullaev O. 0
Page 67 of 78 24. Private Joint Stock Commercial "Universalbank"
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table 0%
Owners Shares % Comments
Table E Table 0
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 2.0 "Kurilish industriya" (Building)
Persons 0 "Technika Ltd" 0.0 Companies "Ferghana Railways" 0.0
Data shown as for Jan. 2005
Page 68 of 78
25. Private Joint Stock Commercial Bank "Ravnak-Bank" (Bank name means: Development)
Address 2, Furkat street, Tashkent, Uzbekistan, 700021 Tel (99871) 120 36 36 / 144 10 90
Table A A Table Fax (99871) 144 10 91 E-mail [email protected]
Web-site www.ravnaqbank.com
Short-history Founded in 2001.
Branches No
Business information
Bad debts (% Credit Capital (mln. Net profit Assets from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 0.21 0.04 1.05 0.44 0 3.6% 24.0% 65.7%
2003 0.69 0.02 3.99 2.10 0.6% 20.1% 53.5%
2004 0.90 0.07 12.56 3.26 0.6% 7.4% 80.0%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.08 Chairman of the Mr. Umirov B. 0 board -
Deputy - Mr. Rakhmanov M. 0
Services charges Local payments International LC & Guarantee* Cash withdrawal payments
Table D D Table 0.2%-0.25% from 0.3% (max $250) LC & Guarantees - 5% 2% transfer amount
Page 69 of 78 25. Private Joint Stock Commercial Bank "Ravnak-Bank"
Owners Shares % Comments
Table E Table Legal entities 25.8 0
Persons 74.2
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 1.5 "Uzvneshtrans" (Transport)
Persons "Uzselhozmashholding" (Agriculture techniques) 1.3 Companies "AU Turon" (Mining) 0.3 0 "Sifat" (Certification Centre) "Neftegazinspektsiya" (Oil & Gas) "Shark Electronic" (Trade)
"Mehnat Halol" (Food)
"Iriston ovlod" Join-Venture "Regotmas-Asia" "Gunesh Tekstil" (Textile) "Santimpeks" (Trade)
Data shown as for Jan. 2005
Page 70 of 78
26. Private Joint Stock Commercial "Samarkand bank"
Address 75, Firdavsiy street, Samarkand, Uzbekistan
Tel (998662) 33 66 02 Table A A Table Fax (998662) 33 66 02
E-mail No
Web-site No
Founded in 2000. Short-history No Branches
Business information
Bad debts (% Credit Capital Net profit Assets (mln. from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table (mln. $) (mln. $) $) credit profitability $) portfolio) 2002 0.00 0.0000 0.00 0.00 0 0.0% 0.0%
2003 0.08 -0.0041 0.19 0.09 -2.1%
2004 0.09 0.0001 0.82 0.03 0.01% 0.0% 0.0%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.00 Chairman of the board - Mr. Normurodov D.
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table
Owners Shares % Comments
Table E Table 0
Page 71 of 78 26. Private Joint Stock Commercial "Samarkand bank"
Clients Quantity Structure The biggest clients Table F F Table Total quantity 0.0 0 0
Persons 0 0.0
Companies 0.0 0
Page 72 of 78
27. Private Joint Stock Commercial "Turkiston bank"
Address 6, Temur street, Samarkand, Uzbekistan
Tel (99871) 132 09 33 Table A A Table
Fax (99871) 132 09 34
E-mail no
Web-site no
Founded in 2000. Short-history No Branches
Business information
Bad debts (% Credit Capital (mln. Net profit Assets from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) (mln. $) credit profitability $) portfolio) 2002 0.08 0.0276 0.73 0.00 0 3.8% 0.0%
2003 0.07 0.0381 0.69 0.17 5.5%
2004 0.06 0.0005 0.48 0.21 0.10% 0.0% 0.0%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.03 Chairman of the board - Mr. Rasulov A. 0 Deputy - Mr. Holbekov Yu. 0
Services charges Local payments International payments LC & Guarantee Cash withdrawal
Table D D Table 0.00% 0.00% 0%
Page 73 of 78 27. Private Joint Stock Commercial "Turkiston bank"
Owners Shares % Comments
Table E Table 0.0 0
Clients Quantity Structure The biggest clients Table F F Table Total quantity 0.0 0 0
Persons 0 0.0
Companies 0.0 0
Data shown as for Jan. 2005
Page 74 of 78
28. Private Joint Stock Commercial Bank "Davr bank" (Bank name means: Epoch)
Address Block A, Navoi-Zarkaynar cross street, Tashkent, Uzbekistan Tel (99871) 144 95 01
Table A A Table Fax (99871) 144 90 42 E-mail No
Web-site No
Short-history Founded in 2000. Main activity to serve petroleum filling stations and wholesale firms of oil products. Branches No
Business information
Bad debts (% Credit Capital (mln. Net profit Assets (mln. from general Assets Year portfolio (mln. Reliability Liquidity Table B B Table $) (mln. $) $) credit profitability $) portfolio) 2002
2003
2004 0.0%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.00 Chairman of the board - Mr. Hasanov E T.
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table 0.00% 0.00% 0%
Owners Shares % Comments
Table E Table 0.0 0
Page 75 of 78 28. Private Joint Stock Commercial Bank "Davr bank"
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 0.0 0 0
Persons 0 0.0
Companies 0.0 0
Page 76 of 78
29. Private Joint Stock Commercial "Uktambank" (Bank name is the name of founder Uktam)
Address 4, Sohibkor street, Karshi, Uzbekistan, 730010
Tel (998752) 27 63 07 / 230403 / 234774 Table A A Table Fax (99875) 23 04 03
E-mail [email protected]
Web-site www.uktambank.com
Short-history Bank was founded in 1998. No Branches
Business information
Bad debts (% Capital (mln. Net profit Assets (mln. Credit portfolio from general Assets Year Reliability Liquidity Table B B Table $) (mln. $) $) (mln. $) credit profitability portfolio) 2002
2003
2004 1.52 2.55 0.0%
Rates: Dec 31, 2002 - 1$ - 970.00 Uzbek soums Dec 31, 2003 - 1$ - 980.00 Uzbek soums Dec 31, 2004 - 1$ - 1,058.00 Uzbek soums
Staff information Management Total number of Position Name Previous job: employees (thousand) Table C C Table 0.00 Chairman of the board - Mr. Shukurov A.
Deputy Ms. Tursonova Sh.
Services charges Local payments International LC & Guarantee Cash withdrawal payments
Table D D Table 0.00% 0.00% 0%
Page 77 of 78
Owners Shares % Comments
Founder: Mr. Tursunov
Table E Table 0.0 Uktam
(thousands, %) Clients Quantity Structure The biggest clients Table F F Table Total quantity 0.0 0 0
Persons 0 0.0
Companies 0.0 0
Data shown as for Sep. 2004
Notes:
Blank cells means that data not available
Source: Data received from banks & bank’s websites "Bank News" newspapers "Turkiston Press" Issues Uzreport.com web-site Republican Stock Exchange website www.uzse.uz Ahbor-Reyting Interbank rating company website www.bankinfo.uz Centre for coordination & control for securities market website www.uzsecurities.com
Page 78 of 78