Independent rating agency authorized IBI-Rating announced credit rating of AT TMM-Bank at uaBBB-, with a rating outlook - stable. Date of assignment - May 13, 2011. To conduct credit-rating analysis were used material received from AT TMM-Bank, including: the annual financial statements for the period 2008-2010. and I half of 2011, targets activities in 2011-2012. and other required internal information and information from open sources that rating agency considers reliable. Borrower or a debt with a rating uaBBB characterized by sufficient creditworthiness as compared to other Ukrainian borrowers or debt instruments. Urovenkreditosposobnosti зависитотвлияниянеблагоприятных commercial, financial and economic conditions. "-" Sign or "+" - intermediate category rankings on the major categories. The rating outlook is "stable" indicates that the change in the rating during the year is unlikely. Certain credit rating reflects: acceptable to the banking system of values ??of most financial indicators of the main aspects of the Bank's low capitalization of the Bank, the Bank's sensitivity to credit risk (a significant concentration of a client's loan portfolio by major borrowers), a significant concentration of the resource base, adequate value of liquidity to neutralize the current risks, the balance of assets and liabilities on terms to maturity; information openness and transparency. Credit rating may be revised upwards in case of diversifying the resource base pokreditoram, improving loan portfolio quality and capital ratios. Lowering the credit rating possible in case of deterioration of solvency (liquidity) of the Bank, increased credit risk due to further deterioration in asset quality, as well as the complexity of the situation on financial markets and the economy as a whole. National Rating Agency IBI-Rating works in the domestic market since 2005. Status of an authorized agency received in April 2010. During his work has assigned more than 200 ratings. www.ibi.com.ua
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