The rating of Amirbank takes into account adequate capitalization, balanced liquidity of the bank. The rating also takes into account fast growth of assets and related risks, relative high credit risks, limited business scale and clientele, as well as acceptable assets quality.

In the reporting period, Amirbank posted positive trend on growth of main financial figures. Assets of Amirbank rose by 52.89% year-on-year and reached 22.3 billion soums (14.5 billion soums in 2010). The loan portfolio grew by 23.26% to 10.6 billion soums (8.6 billion soums in 4Q 2010).

At the reporting period, the loan portfolio of the bank rated as concentrated, especially, at the trade and catering enterprises, share of which made up 42.59% of total loan portfolio of Amirbank.

Other income-bearing assets of the bank increase about 2.5 times and made up 9.93% of total assets of the bank. At the same time, investment portfolio of the bank grew three times to 9.48% of total assets. Simultaneously, all income-bearing assets of Amirbank increased by 36.24% and made up 57.76% of the assets (64.82% in 4Q 2010).

In the fourth quarter of 2011, liquid assets of the bank rose by 3.58% year-on-year to 2.25 billion soums. It is worth to mention that current assets of the bank fell by 4.11% year-on-year, while current liabilities rose by 1.82%.

At the same time, the coefficient of current liquidity of the bank reached 41.18% in the fourth quarter of 2011. Term resource base of the bank jumped almost four times and the ratio of credit portfolio to term resource base was 301.02%.

The bank receives main part of borrowed funds from its clients. Attracted resources of Amirbank made up 15.64% of the bank’s liabilities. At the reporting period, liabilities of the bank, which bear interest expenses, rose by 178.17% and made up 69.4 million soums. The ratio of loan portfolio to the deposits and attracted resources from money markets made up111.12% in the reporting period.

In 2011, the equity capital of the bank rose 67.18% to 12.1 billion soums. In the reporting period, undistributed income of the bank rose by 39.1%.

In the result, own capital of the bank grew by 66.12% year-on-year and made up 12.5 billion soums (7.5 billion soums in 2010). At the same time, the level of own capital adequacy rose from 51.91% in the fourth quarter of 2010 to 56.41% in the same period of 2011. Simultaneously, the capital adequacy figures of the bank strengthened. In the result, the general capital and the first level capital adequacy made up 50% and 59.8% respectively.

In the reporting period, average interest rate of loan portfolio decreased and made up 15.64% *16.41% in 4Q 2010). Besides, the profitability of loan portfolio rose from 10.74% in the fourth quarter of 2010 to 15.27% in the same period of 2011. In the reporting period, net interest margin and interest spread of Amirbank made up 8.34% and 3.8% respectively (8.34% and 5.75% in 4Q 2010).