The uzA+ rating means high level of solvency of UzPromStroyBank, reflecting low level of credit risks in its activity. The bank with uzA+ rating characterizes high potential for timely and full fulfillment of its financial liabilities before creditor, depositors and investors.

It is one of the five largest commercial banks of Uzbekistan on parameter of activities. In the reporting period, UzPromStroyBank demonstrated stable growth of financial figures. The assets of UzPromStroyBank grew by 21.43% year-on-year to 1.928 trillion soums in 2010. The volume of loan portfolio grew by 12.94% to 1.389 trillion soums in 2010. The share of loan portfolio in the structure of assets of the bank reached 72.06%. At the same time, the bank’s loan portfolio rated as concentrated. The main parts of loans fell to share of credits issued to industry – 46% (44% in 2009), construction – 20% (21%), transport and communication – 14% (13%) and other sectors – 9% (9%).

Funding base of the bank formed mainly due to accounts of the clients. The deposits and attracted funds from money markets rose by 19.46% year-on-year to 52.78% of the bank’s liabilities. At the same time, the ratio of loans to deposits and attracted funds from money markets decreased from 97.52% to 90.62%.

In the reporting period, UzPromStroyBank supported balanced liquid position. In 2010, the share of liquid assets of the bank made up 19.96% (14.48% in 2009). Along with the growth of current assets by 51.90%, the current liabilities increased by 47.30%. At the same time, the coefficient of current liquidity of the bank reached 53.75% (52.12% in 2009). The ratio of loan portfolio to term resource bases comprised 164.32% and in future, according to Ahbor-Reytin, this figure will be in favourable level.

In the fourth quarter, the own capital of UzPromStroyBank rose by 6.3% year-on-year, while the equity capital grew by 12.42%. Simultaneously, the capital adequacy of the bank decreased significantly in 2010. The coefficient of capital adequacy and the first level capital adequacy of UzPromStroyBank made up 11.20% (11.60% in 2009) and 11.10% (11.60%) respectively. The return on assets and return on equity made up 0.86% and 8.45% (0.69% and 6.01% in 2009) respectively. Ahbor-Reyting believes that the profitability of the bank will be in acceptable level in short-term.