{"id":11084,"date":"2025-10-16T11:52:30","date_gmt":"2025-10-16T06:52:30","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/fitch-universal-banks-rating-is-under-pressure-from-risks-but-remains-at-b-level\/"},"modified":"2025-10-16T11:52:30","modified_gmt":"2025-10-16T06:52:30","slug":"fitch-universal-banks-rating-is-under-pressure-from-risks-but-remains-at-b-level","status":"publish","type":"post","link":"https:\/\/frank.uz\/en\/news-en\/fitch-universal-banks-rating-is-under-pressure-from-risks-but-remains-at-b-level\/","title":{"rendered":"Fitch: Universal Bank&#8217;s rating is under pressure from risks, but remains at B- level"},"content":{"rendered":"<p><strong>Why is this important<\/strong><\/p>\n<p>Fitch assessment is a key benchmark for investors and regulators, especially in a highly competitive environment and with increasing oversight of the banking sector.<\/p>\n<p><strong>What happened<\/strong><\/p>\n<ul>\n<li>IDR Universal Bank was confirmed at <strong>B-<\/strong>, Viability Rating at <strong>b-<\/strong>.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Fitch warns:<\/span><\/p>\n<ul>\n<li>the bank is sensitive to the <strong>deterioration<\/strong> of asset quality,<\/li>\n<li>overdue payments may increase to <strong>4% within<\/strong> 2 years,<\/li>\n<li><strong>10% of the portfolio<\/strong> \u2014 loans to affiliated persons, which creates risks of underestimating the exposure,<\/li>\n<li><strong>Core Capital<\/strong> decreased to <strong>16.8%<\/strong>, remaining above the regulatory minimum.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">What&#8217;s positive:<\/span><\/p>\n<ul>\n<li>Moderate delay rate \u2014 <strong>2%<\/strong> (Stage 3), coverage \u2014 <strong>100%<\/strong>.<\/li>\n<li>ROAE \u2014 high: <strong>27%<\/strong>, due to the share of<strong> commission income<\/strong> (57%).<\/li>\n<li>Moderate dollarization of the portfolio \u2014 <strong>18% versus 42%<\/strong> for the sector.<\/li>\n<li>Liquidity is high \u2014 <strong>30%<\/strong> of assets in liquid instruments, covering <strong>50%<\/strong> of deposits.<\/li>\n<\/ul>\n<p><strong>Context<\/strong><\/p>\n<p>Universal Bank is a <strong>small player<\/strong>, with a market share of less than 1%. Focus on <strong>SMEs<\/strong> and retail, while risk <strong>concentration remains<\/strong> high. <\/p>\n<p>There is potential for <strong>improving the rating<\/strong>, but with increased transparency and a decrease in the share of <strong>affiliated loans<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Fitch Ratings agency confirmed Universal Bank&#8217;s rating at B- with a stable outlook, indicating persistent risks related to the loan portfolio and ownership structure.<\/p>\n","protected":false},"author":4,"featured_media":11074,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68f09e83c97bb.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11074,"YlB8HH34jIzY":"Fitch: Universal Bank&#8217;s rating is under pressure from risks, but remains at B- level"},"pin_until":"","footnotes":""},"categories":[2061],"tags":[2212,2079,2947,2290,3253],"class_list":["post-11084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","tag-banks","tag-finance","tag-fitch-en","tag-rating","tag-universal-bank-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fitch: Universal Bank&#039;s rating is under pressure from risks, but remains at B- level &#8212; 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