The uzA+ rating means very high level of solvency of Uzpromstroybank, which reflects low level of credit risks in its activities. The bank with uzA+ rating has high potential to execute its financial liabilities before creditors, depositors and investors in time and fully.

In the reporting period, Uzpromstroybank demonstrated high growth. In the first quarter of 2012, the assets of Uzpromstroybank grew by 61.86% year-on-year to 3.346 trillion soums. The loan portfolio of the bank grew by 63.22% year-on-year in the first quarter of 2011 and made up 2.358 trillion soums or 70.49% of the bank’s assets.

In the reporting period the loan portfolio’s concentration was relatively high. This is explained with clientele base of Uzpromstroybank, which includes enterprises of oil and gas sector, energy and chemistry industry. In the first quarter of 2012, share of industry sector in loan portfolio made up 67.6% (51% in 1Q 2011), construction – 10.2% (17.8%), transport and communication – 9.4% (12.3%) and other sector – 5.5% (7.3%).

Uzpromstroybank’s liquid position is rated as high. In the first quarter of 2012, the liquid assets of the bank grew by 62.19% and made up 20.25% of total assets (20.21% in 1Q 2011). At the same time, current assets and current liabilities increased by 53.76% and 9.49% respectively. In the result, the coefficient of current liquidity of Uzpromstroybank grew up to 78.21% (55.69% in 1Q 2011).

Funding base of Uzpromstroybank is formed due to clientele base. In the first quarter of 2012, the deposits and resources attracted from money markets grew by 60.93% year-on-year to 44.91% of the bank’s liabilities. Ratio of credit portfolio to deposits and attracted resources from money markets bade up 81.25%. In the reporting period, long-term liabilities grew twice to 48.4% of liabilities of the bank. Term resource base of Uzpromstroybank increased 2.2 times year-on-year in the first quarter of 2012. In the result, the ratio of loan portfolio to term resource base decreased from 156.62% in the first quarter of 2011 to 115.82% in the first quarter of 2012.

Capitalization of Uzpromstroybank rated as in acceptable level. Own capital of the bank grew by 23.66% year-on-year to 234.7 billion soums in the first quarter of 2012. Equity capital of the bank rose by 19.47% to 148.7 billion soums in the reporting period.

In the first quarter of 2012, the coefficient of capital and the first level capital adequacy of Uzpromstroybank made up 10.7% and 10.6% respectively in the first quarter of 2012. At the same time, own capital adequacy decreased from 9.18% in the first quarter of 2011 to 7.01% in the same period of 2012.