www.turkistonbank.uz april 2016 y. 18 ЛЕТ С ВАМИ TURKISTON BANK www.turkistonbank.uz april 2016 y.

About the Bank PRIVATE JOINT-STOCK COMMERCIAL BANK "Turkiston": Registered and began its operations on March 16, 1998 Legal address: • 100208, 48a, Zargarlik str., Residential quarter 11, Uchtepa district, Tashkent, Uzbekistan • Tel.: (371) 113-44-05; 113-11-66. • E-mail: info@hd.turkistonbank.uz • http://www.turkistonbank.uz Assist in the development of corporate business, private entrepreneurship and offers its services to individuals Bank's branch network includes the Head office, Yunus-Abad branch, Mini-Bank "Oloy", Mini-bank "Poytaht", Mini-bank "Urikzor", and Mini-bank "Yunus-Obod” More than 22000 customers BANK RATINGS International Ranking: MOSCOW. (Standard & Poor's),  May, 2016.  Standard & Poor's credit ratings service assigned to the private  joint stock commercial bank "Turkistan", based in Uzbekistan, counterparty credit ratings - a long-term "B-" and short  National Ranking: Tashkent.  (AhborReyting rating agency), February, 2016. National Rating Agency Ahbor Reyting assigned a credit rating to the private joint stock commercial bank "Turkistan" on the national scale "UzB ++", with the "stable" forecast.      

Bank "Turkiston" is successfully operated in the banking market since 1998. Since its inception, Bank "Turkistоn" strictly follows its own development strategy to maximize the use of rich experience, accumulated in the history of development of the banking system of Uzbekistan as well as the most modern methods and technologies of banking business recognized in the world banking practice. As a development concept, bank is developed the model of universal commercial bank, which assumes dynamic development of the Bank "Turkiston" as the credit institution providing a full range of financial services through expanding customer service network.

Today Bank "Turkiston" is a dynamically developing universal financial institution, which has the reputation of a reliable credit institution, based on the provision of the highest quality financial services and owning modern technologies for serving of all types of customers. The reliability and stability are the main criteria, which accented by the Bank in its activities. The bank currently has a positive growth in all major and qualitative indicators. Updated Bank Strategy involves a high capitalization and the stability and reliability as well. Equity capital today amounts to more than 26.5 billion UZS. Currently it carried out an additional issue of shares of the bank in the amount of 5.0 billion UZS, designed for foreign investors. It should be noted that the bank's shares are listed on the Stock Exchange on the "A" Category. The Bank has a high current liquidity position, the dynamic growth of assets and stable sources of their coverage. All above mentioned is confirmed by high rating of the bank's activities, and International Rating Company «Standard & Poor's» assigned the bank with B-/C rating.

Bank Mission The bank "Turkiston" promotes economic development and well-being of clients by providing a full range of banking services, high professional quality, ensures its staff with professional development, fair remuneration and maintenance of social stability. The main goal of the bank is to provide members of the Bank with maximum profit at a sufficient level of the bank stability, while acting in accordance with the law, guided by the principles of business ethics, corporate culture and social responsibility.

Bank Values Significant 18 years professional experience in the market The presence of strong business relationships in the market The presence of motivated team of professional employees to develop and expand business Use of innovative products Individual approach to each customer

CHAIRMAN OF THE COUNCIL: MEMBERS OF THE COUNCIL: The Bank Management Council of the Bank CHAIRMAN OF THE COUNCIL: Azamatov Zokirjon Zahitovich MEMBERS OF THE COUNCIL: Ariphodzhaev Abdukahar Kayumovich Ikramov Bakhtiyor Akramovich Mustafayev Farrukh Ravshanovich Rabiev Mahmood Muhitdinovich MEMBERS OF THE BOARD: Mirsagatov Otabek Rustamovich – Chairman of the Board Ismatullaev Shukhrat Shukurovich – Deputy Chairman of the Board Atarbaev Farhod Mirmuhamedovich – Chief Accountant Bekchanov Alisher Rustamovich – Head of the bank's Legal Service Rasulov Fakhriddin Fazlitdinovich – Manager of Yunus-Abad branch

Bank Shareholders

The bank's regional network The bank's branch network consists of: 1) The Bank Head office 2) Yunus-Abad branch 3) Mini-bank "Junusobod Dehkon bozori" 4) Mini-bank "Poytaht" 5) Mini-bank "Oloy" 6) Mini-bank "Urikzor" 7) Yunusobod district Utilities payment plot, 129/1, Amir Temur str. 8) Mirzo-Ulugbek district Utilities payment plot, 2, Maraimova str. 9) Yunusobod district Utilities payment plot, 2a, Center-5. 10) Yunusobod district Utilities payment plot, 6a, Amir Temur str. 11) Uchtepa district Utilities payment plot, 21a, Foziltepa str. 12) Uchtepa district Utilities payment plot, 17-33, G9A.

BANK ASSETS During 2010-2015, the Bank had a steady trend of growth of assets. During this period, the Bank's assets grew 5 times and reached 111.2 billion UZS. The updated strategy of the bank assumes to continue providing the same rate of growth of assets. By 2020, it is planned to increase the volume of net assets to 480.0 billion UZS, and their income-generating portion to 350.0 billion UZS as well, at their average profitability (ROA) at 2.2%.

CAPITAL OF THE BANK (Own Funds) During 2010-2015, the Bank steadily increased its own capital. During this period the Bank's capital increased by 4 times. At the end of 2015 it amounted to 25.0 billion UZS, capital adequacy ratio currently stands at 0.25, which at times exceeds the standards set by the Basel Accord. Capital gains are continuing, the Bank intends to increase the Bank's own capital in 2020 to 50,0 billion UZS, while return on equity (ROE) at 18.5%.

Key indicators of the Bank

KEY INDICATORS OF THE BANK Loans are one of the main areas of business in the Bank "Turkiston" and the most important tool for implementation of the Bank's development strategy. Traditionally, as it was in previous years, the most significant share in the bank's portfolio of assets will take a loan and similar debts. Its volume will be more than 60% of all bank assets. In 2016, the Bank will offer its customers a wide range of credit products and services, such as loan and line of credit, overdraft on a bank account of the client, guarantees, project financing, loans to enterprises for modernization. The Bank's borrowers are the enterprises of industry, agriculture, construction companies, trucking companies, trading enterprises, small and medium businesses, and so on. Thus, the Bank's loan portfolio is characterized by a fairly broad industry diversification.

Bank’s services for legal entities Settlement and cash services Placement of funds Credit products Leasing Bank guarantee Documentary Letter of Credit Services on stock markets and others Internet banking, Mobile banking, SMS-notification

Bank’s services for individuals Opening and managing accounts Loans Internet banking, Mobile banking, SMS-notification Deposits Plastic Cards

Development in the years of 2016-2020 The purpose of the Development Strategy of PJSCB "Turkiston" is the development of activity parameters on 2016 - 2020 years that will ensure long-term profitable operation of the Bank as a profitable commercial organization, its progressive development on the basis of strengthening the stability, competitiveness, the adequacy of the control system to take risks. The development strategy is determined by the following principles: continuous improvement of quality and increase of the services list, reducing the cost of banking transactions, improving the strategic and current planning. The Bank adheres to a conservative approach to risk management and the development of growth plans, which contributes to the stability of the bank and its adaptability to the rapidly changing market conditions. Bank's strategic priority is a high quality relationships with customers and partners on the basis of such values ​​of the Bank "Turkiston" as: - Reliability; - Competence; - Integrity; - Trust and responsibility; - Prudence and professionalism; - Initiative and creativity; - Openness and goodwill.

Long-term development Strengthening reliable banking partner status for existing and potential customers in the retail, corporate and IB sectors while maintaining the profile of mobile bank; Ranking among the leading banks of Uzbekistan in terms of assets and capital; Expansion of the branch network and other channels of supply of financial services; Ensuring high quality and expanding the range of services and products; Improvement of risk management standards, improve operational efficiency through investments in human resources and information technology; Diversification of the loan portfolio; Transformation of retail business into a separate highly profitable business; Strengthening the resource base by increasing capital and deposits; Attracting a strategic investor or the creation of a strategic partnership with well-known international banks; Provide return on capital of at least 25-30% per annum.

Business Activity of the Bank Uzbekistan Banking Association Fund of guaranteeing citizens' deposits in banks Mobile banking system Payment system Single international processing center Society for Worldwide Interbank Financial Telecommunication The National Payment System of Uzbekistan “Credit Information Analytical Center” Credit Bureau Ltd.

Information on Preferences for Investors Joint-stock companies which have fulfilled the requirements of the Decree of the President №PP-2454 from 21.12.2015 "On additional measures of incitation to attract foreign investors to joint-stock companies" include the following preferences:   • exemption until 01.01.2020 from the taxation foreign investors' funds in the form of dividends on shares;   • exemption from payment of state fees in appeals to the courts with a claim for violation of their rights and legal interests, and their subsequent recovery from convicted by the Court.   Also, the preferences are provided in accordance with the Decree of the President of the Republic of Uzbekistan from 11.04.2005 №UP-3594 "On additional measures to stimulate the attraction of direct private foreign investment" differentially depending on the volume of investments made by foreign investors on: - Taxes on income, property, for the improvement and development of social infrastructure, single tax and mandatory contributions to the Republican Road Fund.

Payment details Full name: Private Joint-Stock Commercial Bank "Turkiston" The license of the Central Bank of the Republic of Uzbekistan №57 from 12.13.2014, on the right to carry out banking operations. The license of the Central Bank of the Republic of Uzbekistan №82 from 25.04.2016, on the right to carry out banking operations in foreign currency. Legal address: • 100208, 48a, Zargarlik str., Residential quarter 11, Uchtepa district, Tashkent, Uzbekistan • Tel.: (371) 113-44-05; 113-11-66 • Fax: 276-16-31 • E-mail: info@hd.turkistonbank.uz • http://www.turkistonbank.uz Correspondent account: 10301000700001104001 Bank code: 01104 Taxpayer Identification Number: 202521935 Sectors of economy classifier code: 96120

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