Positive moments include: the stability of the political and macroeconomic situation, strengthening the market position of banks and the good potential of growth and profit, the improved risk management situation and a number of other points. The quality of the assets was also defined as acceptable, but fear here is caused by the growth of debt burden, still significant dominance of state banks, not completely eradicated shortcomings in the system of banking regulation and supervision, a significant gap in the deadline for repayment of assets and passions, and the tendency to lower the levels of capitalization and reservation and others.
