|
|
|
Задай вопрос консультанту: |
| Call-centr: +992(3422) 66-999 | | Онлайн консультант: ICQ 254336832 | | Обратная связь | |
|
 |
 |
Rating
Eskhata Bank shows reasonable performance on governance and good performance
on management and financial indicators. It is currently undergoing
a change in its governance structure, strategies and management systems,
with the involvement of the European Bank for Reconstruction and Development
(EBRD). EBRD and ShoreCap have invested TJS 2.9 million (US$845,000)
each in equity, which together constitutes 42% of the total share
capital of the bank. This change was triggered by an increase in the
National Bank's minimum capital requirement for banks to US$5 million
(net worth).
The bank's governance has been strengthened by the inclusion of three
directors, one each representing EBRD and ShoreCap and an independent
professional director; setting up of a loan approval committee; setting
up of a risk management department and a change in strategy to focus
on small loans. Management systems have also been strengthened.
After the infusion of long-term funds from EBRD and ShoreCap, Eskhata
Bank's current ratio (asset-liability match) is good. With good portfolio
quality and high yield, financial performance of the Bank is very
good.
In M-CRIL's view, on account of good overall performance,
good approach to institutional development and its growth plans, Bank
Eskhata can absorb - from all sources - loan funds of TJS16 million
(US$4.7 million) over the next one year for on-lending to its
borrowers.
A rating update after one year is suggested to ascertain changes in
the creditworthiness and absorptive potential of the institution.
This rating is valid, subject to no other substantial inflows of
loan funds into the organisation beyond the limits specified here
and to no other significant changes in the organisational structure
and external operating environment. |
 |
|
|
