Key facts

Key facts

Key financials, UZS bn Year ended 31-Dec (Audited)
IFRS data 2018 2019 2020 1H2021
Total Assets 19,831 23,845 32,604 34,211
Total Liabilities 18,219 20,297 28,564 29,767
Total Equity 1,612 3,548 4,040 4,444
Net Interest Income 647 1,035 1,410 887
Total Operating Income 850 1,311 1,779 1,112
Net Profit for the Period 178 339 405 404
Key balance sheet and performance indicators, % Year ended 31-Dec (Audited)
2018 2019 2020 1H2021
Net Interest Margin 4.5 5.2 5.8 6.0
Cost to Income Ratio 59.3 47.2 37.4 34.0
Return on Average Equity 11.9 13.1 10.7 19.1
Non-performing Loans as % of Gross
Loans to Customers
0.8 1.9 2.5 2.3
Capital Adequacy Ratio 13.1 25.6 17.0 14.4


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