Among the factors that increase the banks’ rating, can be called that among the shareholders of the Bank of enterprises included in the NP group GUTA “. The group consists of industrial companies, insurance company, real estate development company, commercial real estate and others. Thus, there is substantial support for the Bank of Russia’s largest financial-industrial group. We can therefore expect that the Guta Bank will be able to get the necessary support from its shareholders in the event of deterioration in the Bank or in the event of adverse changes in economic or political environment. In addition, the occurrence of the Bank in the group, gives additional opportunities to find the necessary sources of funding. As a key positive factor is the high level of liquidity JSC “GUTA-Bank».

Bank management has a conservative and at the same time an effective policy to manage liquidity. This policy affects the regulatory liquidity. Thus, the rate of the instantaneous liquidity (H2) up to December 1, 2009 amounted to 95.8%, and the value of the index of the current liquidity of the bank (3H) – 160.5%. Thus, the Bank maintains an excess liquidity, and the proportion of liquid and highly liquid assets ratio is great. Retrospective analysis revealed no reduction of liquidity to levels significantly reduce the stability of the Bank.

In 2009, Guta Bank has demonstrated strong growth and profits are good indicators of profitability. In 2009 net profit of the Bank amounted to 186.7 million rubles. That the significantly higher results for 2008 (34.1 million rubles.). Significantly increase your profits compared to 2008, the Guta Bank largely been due to securities transactions.

Return on assets of OAO “GUTA-BANK” in 2009, amounting to 2.1% in annualized , which is a higher value than was recorded in the previous year (1.1%). This figure is considerably higher than on the banking system as a whole (less than 1 %).

Guta Bank is characterized by very high proportion of capital to liabilities. As of October 1, 2009 the Bank’s equity is equal to 2.8 billion rubles. That is nearly 50% of all liabilities. For comparison to the banking system this figure is less than 17%. This capital adequacy ratio at the JSC “GUTA-BANK” (H1) has a high value on December 1, 2009 amounted to 49.1%, which is 2.5 times higher than the value of this parameter on the banking system of Russia as a whole. Quality of capital is at a very high level – the share of Tier I capital is more than 95% against 60-70% in average. The share of charter capital of Guta Bank’s shareholders’ equity at December 1, 2009 is 58.2%, significantly higher than the average rate on the same date – 27%.

JSC “GUTA-BANK” characterized by large regional bank network for sales. The Bank has 11 offices in 10 subjects of the Federation of Russia.

as a deterrent to the rating of JSC “GUTA-Bank, serves the low quality of loan debt. This is indicated by the high proportion of overdue loans and other allocated funds, which amounts to 6.93% on January 1, 2010 that more than similar indicators for the banking system of Russia (5.3%). Moreover, if a loan portfolio to exclude loans to credit institutions (ICB), the outstanding debt will equal almost 10%.

should be noted the limited customer base GUTA – Bank, which is largely determined by policies aimed at Service Group GUTA. The dependence on the existing customer base, especially in a highly competitive part of the Moscow banks, which can conduct a more flexible policy in relation to customers and has cheaper resources, is a risk factor.

negative factor as is to reduce the assets of OAO “GUTA-BANK” in 2009. If in 2008, the Bank’s total assets increased by 18.7% to 6.37 billion rubles. (in Russia’s total assets grew by 39.1%), then for the first nine months of 2009, net assets decreased by 8.4% to 5838 million rubles. The reduction of assets in 2009 was due to the drastic reduction of non-credit organizations. For 3 quarters, they decreased by 27.1% or 771.5 million rubles. – up to 2074 million rubles.

JSC “GUTA-Bank carries out its activities in the market of banking services since 1990. The bank is among the medium-size and volume of operations of the regional Russian banks. The Bank has 11 offices in 10 subjects of the Federation of Russia. In terms of net assets up to 9 months of 2009 in Russia, the Bank holds 245 seats (225 in early 2009). As of October 1, 2009 the bank’s assets amount to 5.8 billion rubles. And equity is equal to 2.9 billion rubles. JSC “GUTA-BANK” has the general license of the Central Bank to conduct banking operations, number 256, received March 4, 2008. In January 2005 the Committee of Banking Supervision Central Bank had issued a positive opinion on accession Guta Bank’s deposit insurance system (CERs). Auditor of the Bank, Limited Liability Company “Advice Audit».

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