The uzB+ means average level of solvency of Orient Finans Bank. Currently, the bank executes its financial liabilities in time and fully, but margin of safety is limited and ability to pay in time depends from sustainable and favorable business environment and economic situation.

In 2011, Orient Finans Bank’s loan portfolio grew 10 times and reached 28.29 billion soums (2.68 billion soums in 2010). At the same time, main part of loans were directed to such sectors as trade and catering (43.06%), industry (36.33%), agriculture (4.53%), construction (0.37%), communal services (6.04%) and individuals (2.39%).

Orient Finans Bank uses several methods and practices for decreasing loan risks. In line with set classification and according to bank’s report on international accounting standards, about 99.33% f loans are rated as good, 0.67% are standard. The real reserves of the bank made up 0.06% of loan portfolio.

Quality of management of risks and assets of the bank rated as acceptable and level of crediting concentration – as good. The level of bad loans and writing-off loans are in minimal level, but low level of reserves on losses create pressure to quality of assets and the credit rating of the bank.

In opinion of Ahbor-Reyting, potential expenses for business development in the region can impact to profitability of the bank in mid-term perspectives. The bank successfully manages credit risks, while assets are considered as good. At the same time, the corporate crediting was concentrated in the reporting period. In 2011, Orient Finans Bank demonstrated significant growth of income from main activity. In the reporting period, income-bearing assets of the bank grew up to 40.45 billion soums in 2011 from 2.68 billion soums in 2010. The liabilities, levying interest expenses, rose 2.4 times. Along with the fast growth of the net income, the bank’s profitability also increased.

In the reporting period, current liabilities of the bank increased almost four times, while current assets of the bank jumped 2.3 times. The coefficient of current liquidity of the bank in 2011 made up 83.5% (129.84% in 2010). Current liquidity of Orient Finans Bank rated at high level.

The liquid position of the bank’s balance sheet was at acceptable level. But existence of large clientele accounts and potential growth of business scale requires further strengthening of the funding base. At the same time, borrowed funds of Orient Finans Bank are mainly short-term.

It is worth to mention that relatively low level of risky assets allow to support capital adequacy at high level. In the reporting period, Orient Finans Bank executed requirements of the Central Bank on minimal size of charter capital set for private banks (5 million euros). At the time, general capital and the first level adequacy of the bank was 34.4% and 30.4% respectively in 2011. Taking into account high growth of the business scale, Ahbor-Reyting believes that the capitalization of the bank will be at high level in near perspectives.