The uzA rating means high level of solvency of InFinBank, reflecting very low credit risks in its activities. The bank with uzA rating characterizes high potential for execution of its financial liabilities in time and fully before creditors, depositors and investors.

In the reporting period, financial figures of InFinBank demonstrated stable growth. Assets of the bank made up 158.9 billion soums in the third quarter of 2011, which grew by 48.23% year-on-year. The volume of loan portfolio rose by 86.25% to 54.6 billion soums (29.3 billion soums in 3Q 2010).

Share of loan portfolio in total assets of the bank grew to 34.34% (27.33% in 3Q 2010). The loan portfolio of the bank rated as relatively concentrated. Main part of loan portfolio in the third quarter of 2011 fell to share of industry sector – 34% (18.3% in 3Q 2011), trade and catering – 24.3% (16.3%), and other sector – 31.1% (64.9%). Quality of loan portfolio of InFinBank rated as in acceptable level. In the third quarter of 2011, about 98.16% of loans were rated as good and other part (1.83%) as standard.

Liquid position of InFinBank is rated as balanced. In the third quarter of 2011, share of liquid position of the bank made up 45.13% (55.55% in 3Q 2010) in assets. Current assets of InFinBank grew by 22.23% and current liabilities – 30.68%. At the same time, coefficient of current liquidity made up 73.26% (78.33% in 3Q 2010). Ratio of loan portfolio of the bank to term resource base in the reporting period made up 132.91% (146.58% in 3Q 2010).

Resource base of InFinBank is formed mainly due to clients’ accounts. The deposits and attracted resources at money markets grew by 32.49% year-on-year and made up 63.67% of total liabilities. At the same time, the ratio of loans to deposits and attracted resources increased from 43.04% in the third quarter of 2010 to 60.51% in the third quarter of 2011.

In the reporting period, own capital of the bank rose by 68.29% year-on-year, while equity capital increased twice. Positive trend s also observed of the capital adequacy figure. The coefficient of general capital and the first level capital adequacy made up 14.10% and 13.60% (13.9% and 11.2% in 3Q 2010) respectively.

Net income of InFinBank increased by 24% year-on-year to 4.99 billon soums. At the same time, the profitability of the assets and own capital reached 3.75% and 36.31% (4.69% and 44.3% in 3Q 2010) respectively. Ahbor-Reyting believes that in short-term the profitability figures will be in acceptable level.