AGROBANK Investment offer for sale of bank s shares
Main Shareholders 45.2% 17.1% 8.3% 4.7% 4.6% 4.2% 16.0% Ministry of Finance Uzpakhtasanoat JSC Fund of Reconstruction and development of Uzbekistan Uzkimyosanoat JSC Foreign Trade Companies of the Ministry of foreign economic relations, investment and trade Uzdonmakhsulot JSC Other private shareholders
Structure of staff by position 680 1677 Managerial positions 1535 Specialists Employees in Cashier offices 3774 Front line officers
Banking services Banking services For corporate clients For private clients Loan operations Keeping accounts and making payments Currency operations Deposit operations Trade financing and documentary operations Transactions in securities market Issuing guarantees Mortgage and consumer lending Time and savings deposits Credit cards Keeping accounts and making payments Currency conversion operations Saving deposit cells Money transfers
Bank ranking Indicators 01.01.2012 01.01.2013 01.01.2014 01.01.2015 01.01.2016 Asset base 3 5 5 6 6 Sum of issued loans 3 5 5 5 5 Shareholders capital 2 3 3 3 3 Deposits 2 2 2 2 2 Number of branches 2 2 2 2 2 Number of personnel 2 2 2 2 1 Number of issued loans 1 1 1 1 1 Number of issued bank cards 1 1 1 1 1
National rating and audit (2015) National rating agency «Ahbor ratings» Credit rating... uza+ Outlook... Stable External auditors 2015 год - Deloitte & Touche 2014 год - Deloitte & Touche 2013 год - PricewaterhouseCoopers 2012 год - Deloitte & Touche 2011 год - Deloitte & Touche
International rating agencies (2015) Fitch Ratings Resilience rating..ccc Long-term foreign and local currency...b- Short-term foreign and local currency...b Outlook... Stable Moody s Long-term and short-term deposit ratings in national currency....... B3 Long-term and short-term deposits ratings in foreign currency... B3 Outlook... Positive
Main indicators Dynamics of assets and loans (in bln. soums) 3 500,0 3 000,0 2 500,0 2 000,0 1 665,7 1 963,7 2 577,7 2 899,0 3 192,5 1 500,0 1 000,0 500,0 1 006,7 1 207,7 1 693,1 1 911,1 2 213,4 0,0 01.01.2012 Assets 01.01.2013 01.01.2014 Loans 01.01.2015 01.01.2016
Credit portfolio Credit portfolio by dates (in bln. soums) Credit portfolio structure 1 600 1 454,9 39% 1 400 1 200 1 255,9 14% 1 000 800 600 400 200 0 941,0 752,1 758,1 646,9 649,9 655,2 557,8 359,9 Short-term loans Long-term loans 1% 3% 1% 9% 33% Agriculture Industry Material-technical provision Transportation and Communication Trade and Services Construction Other sectors
Main indicators Dynamics of liabilities and capital (in bln. soums) Dynamics of deposits (in bln. soums) 1 428,9 1 665,9 2 206,3 2 487,9 2 722,7 759.6 930.1 1073.2 1336.4 1593.4 236,7 297,8 371,4 411,1 469,7 354.5 495.1 621.3 793.3 996.4 01.01.2012 01.01.2013 01.01.2014 01.01.2015 01.01.2016 01.01.2012 01.01.2013 01.01.2014 01.01.2015 01.01.2016 Liabilities Capital Private deposits Total deposits
Main indicators Structure of deposits Structure of capital 53% 64% 32% 31% 15% 5% Current accounts Term deposits Saving deposits Shareholder capital Reserves Retained Earnings
Main indicators Dynamics of income and expenses (in bln. soums) 570,8 623,4 310,1 394,9 376,2 479,7 471,7 561,8 612,4 307,1 Income Expenses 01.01.2012 01.01.2013 01.01.2014 01.01.2015 01.01.2016
Structure of clients Dynamics of numbers of clients Structure of clients 01.01.2016 3 240 728 222 735 47% 01.01.2015 2 814 894 209 965 33% 01.01.2014 2 445 743 203 793 01.01.2013 2 036 314 201 284 01.01.2012 1 887 449 198 590 15% 2% 3% Private clients Corporate clients Agricultural enterprises Budget organizations SMEs Trade Others
Profitability ratios 1,0% 0,9% 0,8% 0,9% 0,8% ROA 7,0% 6,0% 6,5% 6,3% ROE 0,7% 5,0% 0,6% 0,5% 4,0% 0,4% 0,3% 0,2% 0,1% 0,3% 0,3% 0,3% 0,2% 0,2% 0,1% 3,0% 2,0% 1,0% 2,2% 2,2% 2,3% 1,6% 1,6% 1,0% 0,0% 01.01.2013 01.01.2014 01.01.2015 01.01.2016 National standards IFRS 0,0% 01.01.2013 01.01.2014 01.01.2015 01.01.2016 National standards IFRS
International membership Membership in organizations, information support APRACA CICA SWIFT Bankers Almanac
Credit lines Attracted credit lines of international financial institutions World Bank 24 646 000 USD Asian Development Bank 45 200 000 USD ICD 11 000 000 USD Ziraat Bank 50 000 000 USD
Bank correspondents
Bank development outlook mln.soums Indicators 01.01.2017 01.01.2018 01.01.2019 01.01.2020 01.01.2021 1. Assets 3 622 632 4 129 800 4 755 555 5 484 738 6 398 453 - credit investments 2 604 200 3 076 569 3 633 239 4 298 147 5 133 186 2. Liabilities 3 080 022 3 513 022 4 057 358 4 695 697 5 514 453 - deposits 1 989 720 2 487 150 3 108 937 3 886 172 4 857 715 3. Capital 542 610 616 778 698 197 789 041 884 000 4. Income 794 930 907 933 1 094 726 1 320 958 1 595 865 5. Expenses 776 339 881 906 1 058 288 1 269 945 1 523 934 6. Net Profit 18 591 26 027 36 438 51 013 71 931
Guarantees, incentives and preferences - State guarantees and protects all the rights of foreign investors engaged in investment activity in the territory of the Republic of Uzbekistan (the Law of Uzbekistan "On foreign investments", p. 9); - foreign investments and other assets of foreign investors in the Republic of Uzbekistan are not subject to nationalization (Law of the Republic of Uzbekistan "On guarantees and measures to protect the rights of foreign investors", p. 5); - exemptions are granted from taxes on profits of legal entities (the share of foreign investors from 15 to 33 per cent of the share capital) on the property, on the improvement and development of social infrastructure, single tax payment, as well as on mandatory contributions to the Republican Road Fund for a period of 7 years. (RP-2454 as of 12.21.2015); - exempted up to January 1, 2020 from the taxation of income of foreign investors in the form of dividends on shares held by them in joint stock companies (RP-2454 from 12.21.2015); - exemptions are provided by the company with foreign investments from statutory taxes and fees when applying for the courts with a claim for violation of their rights and legal interests, and their subsequent compensation by the convicted party in accordance with relevant court decision (RP-2454 from 12.21.2015)
Thank You for attention!