{"id":11584,"date":"2025-10-23T13:36:16","date_gmt":"2025-10-23T08:36:16","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/biznes-finans-puts-up-25-billion-soums-worth-of-bonds-with-an-annual-yield-of-28\/"},"modified":"2025-10-23T13:36:16","modified_gmt":"2025-10-23T08:36:16","slug":"biznes-finans-puts-up-25-billion-soums-worth-of-bonds-with-an-annual-yield-of-28","status":"publish","type":"post","link":"https:\/\/frank.uz\/en\/news-en\/biznes-finans-puts-up-25-billion-soums-worth-of-bonds-with-an-annual-yield-of-28\/","title":{"rendered":"Biznes Finans puts up 25 billion soums worth of bonds with an annual yield of 28%"},"content":{"rendered":"<p><strong>Why is this important<\/strong><\/p>\n<p>The high yield on bonds (28%) reflects increased risks in the microfinance sector, but attracts investors amid declining bank interest rates. The growth of the loan portfolio by 71% over the year indicates aggressive expansion of the company, although the share of problem loans remains minimal. <\/p>\n<p><strong>What happened<\/strong><\/p>\n<ul>\n<li>The fourth issue of bonds worth 25 billion soums passed state registration on October 21;<\/li>\n<li>Coupon yield \u2014 28% per annum with monthly payments;<\/li>\n<li>Nominal value of one bond \u2014 100,000 soums, circulation period \u2014 3 years;<\/li>\n<li>Placement starts on November 5, 2025.<\/li>\n<li>Net profit for the first half of the year increased by 57.3% to 23.6 billion soums.<\/li>\n<\/ul>\n<p><strong>Financial indicators<\/strong><\/p>\n<p>As of July 1, 2025, Biznes Finans&#8217;s loan portfolio amounted to 163.2 billion soums, a 71.1% year-on-year increase. The share of problem loans increased insignificantly from 0.8% to 0.9%, remaining at a low level. <\/p>\n<p><strong>Context<\/strong><\/p>\n<p>Biznes Finans actively attracts funds through bond loans to finance the growth of its loan portfolio. The high yield on bonds (28%) compensates investors for increased risks in the microfinance sector, where the client base is less stable than in the banking sector. <\/p>\n<p>The company announced plans for the fourth issue back in July 2025. A consistently low NPL share (0.9%) indicates effective risk management despite rapid business expansion. The three-year circulation period of bonds allows the company to receive medium-term financing for the development of operations.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>The microfinance organization Biznes Finans registered its fourth bond issue of 25 billion soums on October 21. Placement will begin on November 5 with a coupon rate of 28% per annum and monthly payments. <\/p>\n","protected":false},"author":4,"featured_media":11512,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68fa487e63248.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11512,"YlB8HH34jIzY":"Biznes Finans puts up 25 billion soums worth of bonds with an annual yield of 28%"},"pin_until":"","footnotes":""},"categories":[2061],"tags":[3402,2698,2079,2262],"class_list":["post-11584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","tag-biznes-finans-en","tag-bonds","tag-finance","tag-microfinancing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Biznes Finans puts up 25 billion soums worth of bonds with an annual yield of 28% &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"The microfinance organization Biznes Finans registered its fourth bond issue of 25 billion soums on October 21. 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