The main task of “Amonatbonk” in the area of crediting is the increase of a quality and highly profitable credit portfolio on the basis of minimization and diversification of credit risks.
The bank will continue crediting all basic groups of clients: the population, legal entities, the credit and financial organizations and here the special emphasise will be put on crediting the corporate clients.
The main tasks of “Amonatbonk” in the sphere of accommodation of resources include the following:
- Building – up the volumes of crediting of natural persons for the purposes of expansion of personal consumption, for solving housing and social problems of the citizens that will stimulate increase demand for goods and services;
- increase the volumes of crediting in real sector of economy basically out of anticipatory speed of growth;
- crediting the corporate clients in somoni and a foreign currency;
- Continuous optimizations of the structure of the portfolio of the state stocks with the purpose of increasing profitability, liquidity and reduction of possible market risks.
Within the limits of strategy in the field of management of risks at formation of assets “Amonatbonk” aims to maintain a sufficient level of liquidity, equilibration of structure of assets and liabilities of bank regarding terms and kinds of currencies.
“Amonatbonk” leads the percentage policy based on economic efficiency of credit operations and maintenance of the necessary level percentage margins, taking into account the market opportunities.
Due to increase of flexibility of conditions of crediting, expansion of the productive line, taking into account the individual needs of the client, competitiveness of the credit products of the bank will raise.
By effective advertising support the availability of credits to the maximal number of solvent borrowers will be provided. While granting the credit, the special attention will be given to consultation and rendering additional services to the clients of the bank.
Credits are provided only on the repayment conditions. Repayment of the credit can be provided both in a form of primary repayment of the credit as well as in a form of secondary repayment: by the mortgage, guarantees, etc,. Repayment of the short-term credit on the basic debt for the 6 months term will be made on expiry of the term but the percents will be paid monthly.
Repayment of the short-term credit which is given out for more than 6 months, is carried out according to the assigned contract, monthly, quarterly and semi-annually with obligatory monthly repayment of the sum of the percent.
