Important Information About the Insurance Product When Applying for an Online Microloan

Dear Customers,If any of the following information related to your company has changed:- Company founder (shareholder);- Company director;- Chief accountant;Personal information of the above-mentioned persons (passport details, full name, residential address, and other identification data),please submit the documents confirming these changes to your servicing Branch/Banking Service Center within 3 (three) banking business days.This requirement is intended to ensure the timely updating of your information in the Bank and uninterrupted access to banking services.If any of the above changes have occurred or if you require additional information, please contact your servicing Branch/Banking Service Center or the Customer Support Service by calling the short number 1284.Thank you for your cooperation!

Please be informed that due to scheduled technical maintenance aimed at enhancing bank card security, a temporary daily limit will be applied to all plastic card transactions (including P2P transfers, online payments, terminal transactions, etc.) starting from 00:00 on May 27, 2026.These restrictions will be fully lifted once the technical maintenance is completed.Restriction Type: All types of transactions (P2P transfers, online payments, POS terminal transactions, etc.);Daily Limit Amount: 10,000,000 (ten million) UZS.If you have any questions, please feel free to contact our Unified Information Service at +9998 71 207 40 40 or via the short number 1284.

Dear Customers!To provide you with convenience during the holidays, "Davr Bank" announces that on May 28 and 29, 2026, the following branches will be open to serve individuals with currency exchange operations:Operations DepartmentChilanzar BranchYakkasaray BranchMirzo Ulugbek BranchUchtepa BranchAlmazar BranchYunusabad Branch(All listed branches are located in Tashkent city)We are at your service even on weekends. It is always convenient with "Davr Bank"!

Davr Bank is introducing a new approach within the mahalla system. Mahalla agents are evolving beyond service providers into financial advisors who enhance financial literacy and deliver practical solutions to the community.Key directions:Quick identification and resolution of issuesSupport for vulnerable familiesChanneling loans into productive business initiativesClear communication of government programsGoal: to build a trusted, accessible, and effective financial service system for every household.

Agenda:·         Approval of the Regulations of the General Meeting of Shareholders of the Bank;·         Review of the Annual Report for 2025;·         Approval of the Business Plan for 2026;·         Hearing the report of the Bank’s Management Board for 2025;·         Hearing the report of the Bank Council for 2025;·         Hearing the report of the Audit Commission on the results of the inspection of the Bank’s financial and economic activities for 2025;·         Approval of the financial statements for 2025;·         Review of the external auditor’s report for 2025;·         Consideration of profit distribution for 2025;·         Appointment of the external auditor for 2026;·         Election of members of the Bank Council;·         Extension of the employment contract concluded with the Chairman of the Management Board;·         Consideration of the sale of the Bank’s shares to external investors.

The "Mahalla" (neighborhood) is the cornerstone of nationwide reforms. To empower local communities and foster a vibrant business environment, "Davr Bank" is conducting advanced training sessions for Mahalla Bankers and community agents. Our Mission: To bring banking services directly to every doorstep and transform Mahalla agents into professional financial advisors. Core Focus of the Trainings: Public Relations: Streamlining citizen requests and ensuring effective problem-solving with relevant authorities. Social Impact: Identifying vulnerable families and individuals with disabilities to provide targeted support. Employment & Entrepreneurship: Reducing unemployment and teaching the effective use of subsidized loans under state programs. Legal Advocacy: Explaining Presidential decrees and government initiatives to the public in an accessible way.

Dear Customers and Partners!To improve our service quality and ensure efficient infrastructure management, "Davr Bank" JSCB announces updated tariffs effective from April 6, 2026:🏧 Cash-In via ATMs: The following commission rates now apply for depositing cash to UZCARD cards via our ATMs:·         For "Davr Bank" cards: 0.5% of the transaction amount;·         For cards issued by other banks: 1.0% of the transaction amount.💳 POS Terminal Rental (For Businesses):·         If no transactions are processed through a POS terminal for more than 2 months, starting from the third month, the monthly rental fee will be set at 100,000 UZS.📞 For more information, please contact our 24/7 call center at 1284. 

As part of its program to optimize the regional branch network and further enhance the quality of customer service, JSCB "Davr Bank" announces the following:Starting from [date], 2026, the operations of the "Sergeli" Banking Service Center (BSC), located at 3 Yangi Sergeli St., Sergeli-6, Sergeli district, Tashkent, have been merged into the "Bisyor" BSC, located at 7 Shirin St., Uchtepa district.Following this transition, all existing contractual obligations and customer service processes will be maintained and continued by the "Bisyor" BSC.·         New Address: 7 Shirin St., Uchtepa district, Tashkent.·         Business Hours: Monday — Friday (09:00 AM to 06:00 PM). 

Dear Customer,In accordance with Clause 7.4 of the Public Offer Agreement for the “Sharqona” term deposit in national currency, the Bank informs you of the following:🔹 The option to make additional contributions to the deposit account will be completely discontinued. Effective date of the change: May 5, 2026Information about these changes is provided in accordance with Clause 4.3.2 of the Public Offer Agreement through the following channels:Official website: www.davrbank.uzPUSH notificationsIf you have any additional questions or require clarification, please contact us at the short number 1284.Sincerely,“DAVR BANK” Private Joint-Stock Commercial Bank

Davr Bank offers domestic and international factoring services for legal entities.🏦 Factoring is a financial service that allows you to receive the necessary funds even before your client makes a payment. After goods are delivered or services are provided, the bank advances up to 90% of the receivable amount.📌 Terms:• Tenor — up to 180 days• Domestic factoring — from 2.5% to 15.0%• International factoring — from 1.3% to 7.8%📌 Benefits:• Fast liquidity• Stable cash flow• Bank-controlled payments🏦 Davr Bank — reliability proven by time!

Today, combating corruption is one of the most pressing issues not only for JSCB “Davr Bank” but also across the Republic as a whole. In recent years, the Bank has adopted conceptually significant internal regulatory documents and implemented comprehensive measures aimed at preventing corruption.In particular, the Bank regularly conducts direct meetings and dialogues with clients, as well as anonymous surveys. The results are carefully analyzed and continuously monitored.The establishment of an environment of zero tolerance towards corruption is ensured through the broad involvement of Bank employees. In all structural divisions of the Bank — including the Head Office, branches, and Banking Service Centers — employees annually submit conflict-of-interest declarations. Additionally, anonymous surveys and electronic testing are conducted on a quarterly basis to assess employees’ knowledge of anti-corruption legislation and internal regulatory documents.To receive complaints, proposals, and feedback from clients and the public regarding the Bank’s activities, dedicated communication channels via social media and telephone hotlines have been established.To ensure transparency in the process of granting loans to legal entities and individuals, several stages of the lending process are being automated. Furthermore, when a loan is granted, employees of the Anti-Corruption Department regularly conduct telephone surveys with borrowers to confirm the absence of corrupt practices.The Head of the Anti-Corruption Department also conducts outreach meetings and discussions in local communities and on the Bank’s premises with the participation of citizens, public representatives, and Bank employees. During these events, the Bank’s anti-corruption policy and internal control mechanisms are presented, the procedure for handling complaints is explained in detail, and participants’ questions are answered openly. These activities contribute to enhancing transparency and strengthening public trust in the Bank.In cooperation with the Human Resources Department, all job candidates undergo thorough background checks. Information is verified through relevant systems, and recruitment is conducted transparently based on established criteria. Candidate selection and evaluation are carried out in accordance with the principles of openness and impartiality. To ensure equal opportunities and foster a healthy competitive environment, information on vacant positions and qualification requirements is published on the Bank’s official website “davrbank.uz” and on the specialized HeadHunter (hh.uz) platform.JSCB “Davr Bank” will continue to consistently implement measures aimed at preventing corruption, identifying and eliminating conditions that may give rise to corrupt practices, and fostering a culture of zero tolerance toward corruption. The Bank supports the active participation and initiatives of its clients and employees in ensuring effective anti-corruption efforts and the early prevention of corruption-related risks. 

In connection with a video appeal circulated on social media regarding the activities of the “Moliya” Banking Service Center, “DAVR BANK” JSCB states the following.On February 17, 2026, a citizen visited the “Moliya” BSC and received full and comprehensive answers to all questions raised. The process was carried out in accordance with the bank’s internal regulations and applicable normative documents.The information presented in the video circulated on social media has been carefully reviewed. It has been determined that certain statements do not correspond to the actual facts. An internal review confirmed that no violations of established procedures occurred during the consideration of the loan application.The Bank is ready to additionally re-examine the citizen’s appeal. The final decision will be made in accordance with applicable legislation and the Bank’s internal policies.“DAVR BANK” JSCB treats every appeal with special attention and considers ensuring service quality and transparency its priority.The Bank does not tolerate any violation of citizens’ rights or any form of discrimination.Respectfully,“DAVR BANK” JSCB

With regard to the video appeal posted on the TikTok platform(https://www.tiktok.com/@user6652874529085/video/7604504907550362887),the following is hereby reported.The said video appeal was submitted by citizen N.M. and was reviewed promptly and in accordance with the established procedure.As a result of the review, it was determined that there are no contractual relations between citizen N.M. and the bank. Furthermore, the conducted inquiry revealed that the credit in question was issued in the name of citizen M.F.All documents related to the credit issued in the name of citizen M.F. were duly executed and processed in full compliance with the requirements of the applicable legislation.Pursuant to Article 29 of the Law of the Republic of Uzbekistan “On Appeals of Individuals and Legal Entities,” appeals submitted through a representative are subject to consideration only upon the submission of appropriate authorization documents (power of attorney). In this case, no such documents were provided.Based on the above, it is hereby stated that should an officially executed power of attorney be submitted in the future in accordance with the procedure established by law, information regarding the issued credit may be provided on lawful grounds.In this regard, it has been concluded that there are no legal grounds to consider this appeal on its merits within the framework of the legislation, and that the requirements of Article 29 of the said Law should be applied. This confirms that the bank has strictly complied with the requirements of the applicable legislation. 

In accordance with the appeal received by the Yakkasaray Branch of JSCB “DAVR BANK”, we hereby inform the following regarding the transactions carried out on January 23, 2026.On January 23, 2026, at approximately 10:55 a.m., an amount of4,567,891,234 (four billion five hundred sixty-seven million eight hundred ninety-one thousand two hundred thirty-four) Uzbek soumswas transferred from the bank account belonging to T.T.S LLC to the bank account of Z LLC, a client of another bank.This transaction was carried out not as a result of actions by bank employees nor due to a hacker attack, as discussed on social media, but through the e-pass key provided to the client.The IP addresses of the device used to perform the transaction were also identified, which clarified the circumstances of the incident.With regard to this matter, JSCB “DAVR BANK” provided an official written response to the client’s appeal No. 12 dated January 27, 2026.Furthermore, pursuant to Clause 20 of Regulation No. 3229“On Non-Cash Settlements” of the Republic of Uzbekistan:“Responsibility for the proper execution of payment documents and the accuracy of the information contained therein shall rest with the client who signed the document. The client shall be responsible for the accuracy of information in payment documents submitted through the system.”Based on this legal provision, the bank does not bear responsibility for the said payment transaction carried out by the client through the system.The Bank adheres to the principle of providing the public with only verified and official information and calls on citizens to remain vigilant when conducting payment transactions. 

The bank does not request personal informationCalls from unknown numbers, links from suspicious sources, and urgent messages such as:“Your account has been blocked”,“Confirm immediately”,“If you don’t respond now, your funds will be lost” are among the most common fraud schemes.Please remember:Davr Bank never requests via phone calls or messengers:·         your bank card number,·         card expiration date or CVV code,·         SMS verification codes,·         personal passwords or PIN codes.·         Do not open suspicious files received via messengers and do not install unknown applications on your device.If someone claims to be a bank employee and asks for this information it is not the bank, it is a fraudster.If you encounter a suspicious request:·         do not follow links,·         do not disclose any personal information,·         immediately contact the bank through official communication channels.Davr Bank prioritizes your financial security.Stay alert, be cautious, and do not give fraudsters a chance.

State Social Insurance Fund: New Benefits in a Convenient and Proactive System Starting from 2026, the system for assigning and paying benefits to citizens through the State Social Insurance Fund will be further improved. In particular, from January 1, 2026, maternity benefits will be assigned and paid, and from July 1, 2026, temporary disability benefits will be assigned and paid by the State Social Insurance Fund. An important aspect is that these benefits will be assigned automatically in a proactive manner, without requiring separate applications from citizens. This will reduce excessive paperwork and time consumption, providing greater convenience for the population. 📞 For more information: 1070

PJSIC "Davr Bank" fully supports the state policy aimed at the development of cashless payments and the digital economy. In this regard, we inform you that the restrictions mentioned in the appeal do not apply to transactions conducted via POS terminals using cards of national payment systems in the national currency.However, due to the increasing frequency of cross-border fraud in transactions processed through international payment systems, the Bank has implemented daily limits for acquiring services on international payment system cards, set at an equivalent of 1,000 USD per terminal.This measure has been adopted by the Bank within its established risk appetite and is primarily aimed at protecting the interests of business entities — the Bank's clients. According to the regulations of international payment systems, if a cardholder disputes a completed payment (the chargeback procedure), the funds are deducted from the merchant’s settlement account in an uncontested (direct debit) manner. Such incidents result in direct financial losses for domestic businesses and the irrevocable loss of realized goods (works or services).These preemptive measures are in full compliance with the Law of the Republic of Uzbekistan "On Banks and Banking Activities" and are based on the Bank's internal operational risk management policy. By ensuring the security and transparency of the payment infrastructure, the Bank continues to take necessary steps to minimize risks for its clients.         Furthermore, we wish to inform you that the issue raised by the author of the appeal was promptly reviewed by the Bank's specialized departments and resolved positively: the client's transaction was successfully completed on the same day.

Dear customers,Davr Bank is always by your side, even during the New Year holidays! To meet your currency exchange needs, selected branches will operate according to a special schedule on January 2–3-4, 2026:№Branch nameAddressWorking hours1Head OfficeTashkent city9.00-15.002Chilanzar BranchTashkent city9.00-15.003YakkasarayBranchTashkent city9.00-15.004Mirzo Ulugbek BranchTashkent city9.00-15.005Uchtepa BranchTashkent city9.00-15.006Almazor BranchTashkent city9.00-15.007Yunusabad BranchTashkent city9.00-15.00 During the holidays, currency exchange and other essential banking services will be available.You can also enjoy our services 24/7 via the mobile application! We wish you a Happy New Year filled with health and happiness! 🎉Your reliable partner — Davr Bank!

On December 4, 2025, the Management Board of “Davr Bank” PJSCB held a meeting during which a decision was made to relocate the “Sergeli” Banking Service Center operating under the Olmazor branch.The decision aims to create more convenient conditions for customers, improve service quality, and meet the increasing demand for banking services — including auto loans, mortgage loans, microloans, and other products. Numerous requests from residents of Sergeli district, as well as from local enterprises and organizations, were also taken into consideration.According to the decision, the “Sergeli” Banking Service Center is planned to be relocated to the following address: Tashkent city, Sergeli district, Bunyodobod MFP, Yangi Sergeli street, house 18-a. Organizational and preparatory work is currently underway.The official start date of operations at the new location will be announced additionally.“Davr Bank” PJSCB remains committed to continuously improving the quality and accessibility of its banking services and ensuring comfortable conditions for all customers.We look forward to welcoming you soon at our new, modern, and convenient service location.

“Davr Bank” PJSCB announces that an extraordinary general meeting of shareholders will be held on December 25, 2025, in Tashkent. The event will take place at Block “A”, Navoiy–Zarqaynar Street, Shaykhontokhur District. The meeting will begin at 18:00, and participant registration will start at 17:30.This meeting is scheduled to consider a matter of significant importance to the bank’s operations.AgendaReviewing the issue of writing off assets that were transferred to off-balance-sheet accounts and remained unpaid for five years, including both the principal debt and the interest accrued.This meeting plays an important role in making strategic decisions aimed at ensuring the bank’s financial stability and improving transparency in settlements.“Davr Bank” invites all shareholders to participate actively in the meeting at the scheduled time.

Dear Customers,We would like to inform you that the “Ipoteka Xizmati” Banking Service Center of Davr Bank JSCB, located at 1a Kichik Halqa Yo‘li, Yakkasaroy district, Tashkent city, has ceased its operations.Accordingly, all banking services are now available at other Davr Bank service centers and branches, as well as through our official mobile application “Davr Mobile 2.0.”For additional information, please contact us at:📞 1284📞 +998 (20) 740-40-40We continuously strive to provide our customers with convenient and high-quality banking services.

⚠️ Attention! Scammers are using a new method!These days, many users are receiving malicious viruses disguised as files or documents.The scammers often pretend to be bank employees, company representatives, or even acquaintances to trick you into opening the file.📎 As soon as you open the file, the virus can access your phone or computer and steal money from your bank account.🔒 Protect yourself:▫️ Do not open files received from unknown sources.▫️ Do not click on links sent from unfamiliar numbers or social media accounts.▫️ Never share your banking information with anyone. Always use official, authorized apps.💡 Remember: Your safety depends on your own vigilance!

In recent years, as digital services have expanded, cases of online fraud have also increased. Davr Bank prioritizes customer security and urges every user to stay alert against financial scams. Below are some important tips to help protect yourself.Do not share your personal informationBank employees will never ask you for your PIN code, SMS confirmation codes, or the CVV code on the back of your card over the phone. If someone requests such information — it is very likely a scam.Use only official sourcesWhen downloading the mobile app or accessing internet banking, use only the official bank website — www.davrbank.uz or verified app stores. Avoid clicking on unknown links shared on social media and never enter your personal data on suspicious websites.Do not trust fake prizes or “lottery wins”Fraudsters often send messages like “You’ve won!” to steal your card details. Davr Bank never requires any prepayment to receive a prize or reward.Protect your card and the “Davr Mobile 2.0” app• Use your card only at trusted locations.• Create a strong password for “Davr Mobile 2.0” and update it regularly.• If your card is lost or you notice a suspicious transaction — block it immediately.Security is in your handsDavr Bank continuously improves its information systems to ensure clients’ financial safety. However, each customer’s vigilance is also crucial in preventing fraud. In case of any suspicious activity, contact the bank’s official call center and protect yourself and your funds! 

Davr Bank has launched a 0% interest auto loan program for customers to purchase Chevrolet Onix and Tracker vehicles on favorable terms.Depending on the amount of the initial payment for the selected model, customers can purchase a Tracker car with an installment plan of up to 60 months and an Onix car of up to 56 months — both interest-free.Chevrolet Tracker:·         25% down payment — for 24 months·         30% down payment — for 30 months·         40% down payment — for 36 months·         50% down payment — for 46 months·         60% down payment — for 60 monthsChevrolet Onix:·         25% down payment — for 30 months·         30% down payment — for 36 months·         40% down payment — for 45 months·         50% down payment — for 56 monthsFinancing terms are determined by the bank.Under the promotion, vehicles are offered at non-discounted prices.For more information, visit the official Davr Bank website or call 1284.

$40 million financing package to expand lending to micro and small enterprises, with 25% earmarked for women-owned businesses.Initiative to support job creation, innovation and inclusive growth across Uzbekistan.Tashkent, Uzbekistan, September 25, 2025—To expand access to finance for underserved entrepreneurs, IFC and DAVR-BANK have signed a $40 million loan agreement to boost lending to micro and small enterprises (MSEs) across Uzbekistan, with a focus on women-led businesses. The initiative aims to promote inclusive economic growth, empower small entrepreneurs, and create jobs.The financing package, which comprises a $30 million loan from IFC’s own account and an additional $10 million loan mobilized from micro and small loans-focused impact investor Invest in Visions GmbH, will help address a critical financing gap for smaller businesses in the country. One-quarter of the funding will be dedicated to women-led businesses, which often face additional barriers.“This partnership with IFC will allow us to significantly expand our support for small businesses and women entrepreneurs, who are key drivers of innovation and economic resilience in Uzbekistan,” said Abdumajid Samadov, Chairman of the Management Board of DAVR-BANK. “By increasing access to finance, we are helping to unlock the potential of thousands of business owners across the country.”Micro and small enterprises form the backbone of Uzbekistan’s economy and account for a significant share of employment. However, many face persistent challenges in securing financing—particularly women-led businesses, which often encounter additional hurdles such as limited collateral and restricted access to formal banking services.“Supporting micro and small enterprises, especially those led by women, is central to IFC’s mission in Uzbekistan,” said Alain Nounke, IFC’s Regional Industry Manager for Financial Institutions Group in Central Asia and Türkiye. “Through our investment in DAVR-BANK, we aim to foster inclusive growth, create jobs, and strengthen the country’s private sector.”The project is part of IFC’s MSME Finance Platform - Base of the Pyramid Envelope, which works to close financial inclusion gaps by providing medium- and long-term loans to eligible financial service providers. The platform focuses on reaching micro and small enterprises, informal businesses, and low-income households—groups often excluded from traditional banking services. 

As one of the largest UnionPay card issuers in Central Asia and Belarus, “Davr bank” presents a special offer for international UnionPay cardholders. The promotion runs from June 2025 to March 2026 in the Xinjiang region and covers key sectors such as airports, hotels, restaurants, and shopping malls.Within the program, customers making payments with UnionPay cards will enjoy instant discounts at the time of purchase. The offer applies to all UnionPay cards issued abroad that start with the number 62.Discount locations:· Airports: spend 50 yuan or more — get 10 yuan off. Limit: once per day, up to 4 times per month.· Hotels: spend 60 yuan or more — get 10 yuan off. Limit: once per day, up to 4 times per month.· Restaurants: spend 20 yuan — get 5 yuan off; at fast-food outlets (such as ban’mian) spend 21 yuan — get 20 yuan off. Limit: once per day, up to 4 times per month.· Shopping malls: spend 800 yuan or more — get 50 yuan off; spend 100 yuan or more — get 10 yuan off. Limit: once per day, up to 4 times per month.The appearance of the “Davr bank” logo in Xinjiang symbolizes the gradual expansion of the bank’s international presence and the strengthening of its position in the payment services market.Cooperation with the UnionPay payment system provides “Davr bank” customers with modern services and convenient opportunities abroad. This fully aligns with the bank’s strategy to expand its service geography.

Davr Bank JSCB and UzAuto Motors have established a partnership and launched a new auto loan program. From now on, customers can purchase Chevrolet Damas, Onix, and Tracker vehicles under convenient and flexible conditions.The purpose of this new product is to meet the population’s demand for modern and reliable vehicles, expand long-term lending opportunities, and provide maximum convenience for customers.Loan TermsVehicles: Chevrolet Damas, Onix, TrackerLoan term: from 13 to 60 monthsDown payment: starting from 30% of the vehicle priceInterest rates:o for customers with confirmed income – 0%o for customers without confirmed income – from 0% to 19%Loan currency: national currency – UZSPayment method: the full payment for the vehicle is transferred directly to UzAuto Motors’ account LOAN TERMS FOR INDIVIDUALS WITH OFFICIAL INCOME:- 15 months:Down payment — 30%, interest rate — 0%- 18 months:Down payment — 40%, interest rate — 0%- 22 months:Down payment — 50%, interest rate — 0%- 24 months:Down payment — 60%, interest rate — 0%- 36 months:Down payment — 70%, interest rate — 0% LOAN TERMS FOR INDIVIDUALS WITHOUT OFFICIAL INCOME:- 13 months:Down payment — 30%, interest rate — 0%- 22 months:Down payment — 55%, interest rate — 0%- 24 months:Down payment — 30%, interest rate — 10%Down payment — 50%, interest rate — 4%Down payment — 60%, interest rate — 0%- 30 months:Down payment — 50%, interest rate — 7%Down payment — 60%, interest rate — 0%- 36 months:Down payment — 30%, interest rate — 15%Down payment — 50%, interest rate — 10%Down payment — 70%, interest rate — 0%- 48 months:Down payment — 30%, interest rate — 17%Down payment — 50%, interest rate — 13%- 60 months:Down payment — 30%, interest rate — 19%Down payment — 50%, interest rate — 15%  Key Benefits• For clients with official income – short-term loans (15–24 months) at 0%;• For clients without official income – short- and medium-term loans (13–36 months) at 0%;• Down payment starting from only 30%;• Long-term loan option (up to 60 months) available even for clients without confirmed income;• Flexible repayment schedule.Loan Application Procedure1. Application submission: the client applies to one of Davr Bank’s branches.2. Required documents:o Passport (or another valid ID);o Proof of income (if available);o Vehicle purchase agreement.3. Loan review: the bank analyzes the documents and evaluates the client’s eligibility, then makes a decision.4. Fund transfer: the loan amount is transferred directly to UzAuto Motors’ account for the vehicle purchase.5. Vehicle registration: the client collects the car from official dealers, and the vehicle is registered in the client’s name.Who is eligible?• Citizens of the Republic of Uzbekistan;• Individuals over 18 years old with legal capacity;• Individuals with or without confirmed income;• Self-employed individuals;• Private entrepreneurs;• Legal entities.The new loan product offered by Davr Bank JSCB and UzAuto Motors provides the public with the opportunity to purchase their desired vehicle — on short- or long-term, convenient, and transparent terms.For more details, please visit Davr Bank branches or the official dealership centers of UzAuto Motors!

Dear Customers, in order to provide you with greater convenience during holidays and weekends, on August 30 the following currency exchange offices of Davr Bank will operate from 09:00 to 16:00: ▫️ Chilanzar Branch ▫️ Yakkasaray Branch ▫️ Mirzo Ulugbek Branch ▫️ Uchtepa Branch ▫️ Yunusobod Branch You can also access banking services 24/7 without interruption through the Davr Mobile 2.0 application.

“Davr Bank” JSC invites qualified candidates for an interview-based hiring process for the position of Head of the Security Department! Candidate requirements: ✅ Must have work experience in one of the following areas: • Internal Affairs Inspection; • Anti-Corruption Department; • Investigation Department; • Department for Combating Economic Crimes. Main responsibilities: 🔹 Detecting and preventing corruption and illegal activities within the bank; 🔹 Establishing and managing internal investigation teams when necessary; 🔹 Developing and implementing security and anti-corruption policies. For inquiries: 📞 +998991771284 📞 +998993693131

Dear Depositor, In accordance with Clause 7.4 of the Public Offer Agreement regarding the “Sharqona” term deposit in the national currency signed with you, the Bank hereby informs you of the following: 🔹 The ability to add additional funds to your deposit account is being completely discontinued! Effective date of this change: September 1, 2025 Details of these changes are being provided in accordance with Clause 4.3.2 of the Public Offer Agreement through the following channels: Our official website: www.davrbank.uz PUSH notifications If you have any further questions or concerns, you may obtain detailed information by calling the short number 1284. Sincerely, DAVR BANK Private Joint-Stock Commercial Bank

Davr Bank (Uzbekistan) is pleased to announce, that it has signed a USD 75 million senior loan agreement with FMO (Dutch Entrepreneurial Development Bank). The loan facility bears a maturity of 4 years and is aimed at financing SME Sub-Loans, Women Sub-borrowers and Youth Sub-borrowers, and Eligible Green Projects. The signing ceremony took place in London, UK on 14th May 2025, during the 34th EBRD Annual Meeting and Business Forum. Commenting, Samadov Abdumajid - CEO of Davr Bank, said “We highly appreciate the cooperation with FMO and are delighted to continue it with a new loan facility, that is aimed at financing key sectors of our economy. This new facility will contribute to further growth and diversification of our loan book and serve a wider group of our clients from various areas, with overall boosting effect on the economy”. Davr Bank and FMO started partnership back in 2024 with a USD 40 million loan agreement, which was FMO’s first credit facility agreement with Davr Bank and was aimed at SME, YiB, WiB energy efficiency and renewable energy project financing. Juan Jose Dada Ortiz, Director Financial Institutions at FMO: “With this new loan facility, we are further strengthening our partnership with Davr Bank. We are pleased to support the bank’s growth strategy and its commitment to on-lending to small businesses, women and young entrepreneurs, as well as green initiatives. We look forward to continuing our cooperation in contributing to the sustainable development of Uzbekistan’s economy.” About FMOFMO is the Dutch entrepreneurial development bank. As a leading impact investor, FMO supports sustainable private sector growth in developing countries and emerging markets by investing in ambitious projects and entrepreneurs. FMO believes that a strong private sector leads to economic and social development and has a 50+ year proven track-record in empowering entrepreneurs to make local economies more inclusive, productive, resilient and sustainable. FMO focuses on three sectors that have high development impact: Agribusiness, Food & Forestry, Energy, and Financial Institutions. With a total committed portfolio of EUR ~15 billion spanning over 85 countries, FMO is one of the larger bilateral private sector development banks globally. For more information:please visit www.fmo.nl 

Dear customers, in connection with the Kurban Bayram holiday, for your convenience, on June 8th the following currency exchange branches will operate from 09:00 to 16:00: ▫️ Practice Department ▫️ Olmazor Branch ▫️ Uchtepa Branch Thank you for your attention, and we wish you a joyful holiday!

The Annual General Meeting of Shareholders of “Davr Bank” Private Joint-Stock Commercial Bank will be held on June 25, 2025, at 10:00 AM at the following address: Block “A”, Navoi-Zarqaynar Street, Shayhantahur District, Tashkent city. Participant registration starts at 09:30 AM. Agenda: 1. Approval of the number and composition of the Bank’s Counting Commission; 2. Approval of the procedure (regulations) for the General Meeting of Shareholders; 3. Approval of the Bank’s Annual Report for 2024 and the Business Plan for 2025; 4. Approval of the Executive Board’s report for 2024; 5. Approval of the Supervisory Board’s report for 2024; 6. Hearing the report of the Audit Commission on the financial and economic activities of the Bank for 2024; 7. Approval of the Bank’s financial statements for 2024; 8. Approval of the external auditor’s report for 2024; 9. Distribution of the Bank’s profit for 2024; 10. Appointment of the external auditor for 2025; 11.Election of members to the Supervisory Board of the Bank; 12. Amendments and approval of the Bank’s Charter in a new edition; 13. Extension of the employment contract with the Chairman of the Executive Board; 14. Review and approval of the Bank’s organizational structure.

Dear customers, “We officially inform you about a fake Telegram channel created in the name of Davr Bank. It has been discovered that unknown individuals are using the bank’s name to distribute false information and offer microloans at artificially low interest rates through this fraudulent channel. We emphasize: this Telegram channel has no connection with Davr Bank! Please do not trust such misleading content — it is a fraudulent attempt to gain your trust and access your personal information. Davr Bank provides official information only through the following channels: •Official website: davrbank.uz •Official Telegram channel: @davrbankuz •Official Instagram page: davrbankuz •Official Facebook page: DavrBank •Mobile app: Davr Mobile 2.0 •Customer support hotline: 1284 Please note: Official interest rates, loan conditions, and terms are published exclusively on our official platforms. If you have any concerns or questions, please call us at 1284!

An extraordinary general meeting of shareholders of “Davr Bank” Private Joint-Stock Commercial Bank will be held on June 18, 2025, at 6:00 PM. The agenda of the meeting includes reviewing and approving the terms of a major transaction to be concluded with the International Finance Corporation (IFC). The meeting will take place at the following address: Tashkent city, Shaykhontohur district, Navoiy–Zarkaynar street, Block “A”. Registration of participants will begin at 6:00 PM.

DAVR Bank has successfully signed a subordinated loan agreement totaling USD 10 million with the Green, Social and Sustainable Finance Fund (GGSF), managed by responsibility Investments. This strategic partnership reinforces the Bank’s long-term commitment to advancing gender-inclusive finance in the Republic of Uzbekistan. The funding will be directed towards supporting women entrepreneurs and fostering the development of a more responsible, inclusive, and sustainable banking system. DAVR Bank expresses its sincere gratitude to GGSF and responsAbility for their trust and fruitful cooperation. We remain committed to delivering impactful financial solutions that contribute to sustainable development and social progress.

An extraordinary general meeting of shareholders will be held on May 5, 2025, at 18:00 at the private joint-stock commercial bank “Davr Bank.” The agenda of the meeting includes reviewing and approving the terms of the loan provided by FMO – NEDERLANDSE FINANCIERINGS – MAATSCHAPPIJ VOOR ONTWIKKELINGSLANDEN N.V, as well as adopting FMO's credit policy. The meeting will take place at the following address: Tashkent city, Shaykhantahur district, Navoi-Zarkainar street, Block "A". Registration of participants will begin at 18:00.