RusRating assigns credit rating to MTI Bank (ZAO)
The rating is based on a stable circle of clients, a high net interest margin and high liquidity.
Constraining factors include the modest scale of the Bank’s business and a capital base close to the minimum (absolute) regulatory threshold.
MTI-Bank is a smaller private-sector bank that ranks among Russia’s top five hundred credit organisations by assets. It specializes in settlement services and loans for corporate clients. Operations centre on Moscow region. The Bank is controlled by a group of private individuals, most of whom were among its founding partners.
Capital adequacy is high but own funds are close to the minimum absolute threshold; capital quality is judged healthy. External funding consists mainly of corporate client balances and appears moderately stable; this assessment reflects high concentration and the low percentage of long-term resources. Client loans are highly concentrated but account for only a small portion of the balance sheet; overall asset quality is rated satisfactory. Financial results show above-average volatility in response to variable factors against the background of a strong interest margin. Overall risk sensitivity is elevated. Liquidity is sufficient.
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