uzA++ Excellent financial reliability

The company awarded the rating of this level has an exclusively high level of reliability with positive prospects, characterized by very high financial performance and insurance activity indicators, compared to other national insurance companies. The capability of this company to meet its financial obligations both current and those arising over the course of the insurance activity fully and in time is supported by a number of exclusively high positive factors. Over the long-run, the insurance company will continue to meet its insurance obligations timely and in full volume even under the effect of various unfavourable macroeconomic and market factors.

uzA+ Very high financial reliability

The company awarded the rating of this level has a very high level of reliability with stable prospects characterized by high results of financial performance and insurance activity indicators compared to other national insurance companies. The capability of such company to meet its financial obligations both current and those arising over the course of the insurance activity fully and in time is supported by a number of high positive factors. The insurance company is highly likely to continue to meet its insurance obligations timely and in full volume over the longer run even under the effect of a number of unfavourable macroeconomic and market factors.

uzA High financial reliability

The company awarded the rating of this level has a high level of reliability compared to other national insurance companies characterized by quite positive results of financial performance and insurance activity indicators. The insurance company is highly likely to continue to meet its financial obligations both current and those arising over the course of the insurance activity in the future. However the probability of its meeting the insurance obligations requiring substantial insurance payouts largely depends on the macroeconomic and market factors.

uzB++ Sufficient financial reliability

The company awarded the rating of this level has a sufficient level of reliability with positive prospects. The company's capability to meet its shot-term financial obligations fully and in time is relatively higher than those of the other insurance companies. However the insurance company has a higher sensitivity to the effect of unfavourable changes in commercial, financial and economic conditions. The company has the potential to meet its obligations requiring substantial insurance payouts under the insurance contracts on the condition of the stability of macroeconomic and market factors.

uzB+ Adequate financial reliability

The company awarded the rating of this level has an acceptable financial reliability with stable prospects, and is capable of meeting its shot-term as well as new insubstantial and medium-size obligations arising over the course of the insurance activity in time. There is a possibility that financial difficulties may be created by the need to meet obligations requiring substantial insurance payouts. In the medium-term perspective, the company has the potential to raise its capacity to meet its obligations on the insurance contracts on the conditions that the macroeconomic and market factors remain stable.

uzB Acceptable financial reliability

The company awarded the rating of this level has an acceptable level of financial reliability, reflecting lower paying capacity than that of the insurance companies rated uzB+. The company ensures timely payment of insubstantial and medium-size financial liabilities. However there is a possibility that the company will face financial difficulties under unfavourable economic and financial conditions, as well as if required to meet the obligations requiring substantial insurance payouts. In the medium-term perspective, the probability of the company's performance of its obligations under the contracts largely depends on the stability of the macroeconomic and market factors.

uzC++ Low level of financial reliability

The company awarded the rating of this level has a tolerable level of reliability with positive prospects, characterized by the ability to timely meet its shot-term financial obligations. However there is a possibility that the company will face financial difficulties if it is to meet obligations requiring substantial insurance payouts. The company has the potential to meet its obligations under the contracts in the short-term depending on the stability of macroeconomic and market indicators. In the short-term, provided the macroeconomic and market indicators are stable the company has the potential to raise its capacity to meet its contractual obligations.

uzC+ Very low level of financial reliability

The company awarded the rating of this level has the minimum acceptable level of reliability, with stable prospects. The company copes with timely performance of its short-term financial obligations. There is a high probability that the company will fail to meet its financial obligations that require substantial insurance payouts. In the future, provided the macroeconomic and market conditions are stable the company has the potential to improve its capcity to meet its contractual obligations.

uzC Extremely unstable financial reliability

The company awarded the rating of this level has a very low level of reliability. In the short term the company copes with meeting its financial obligations, however there is a very high probability that it will fail to meet the financial obligations requiring substantial insurance payouts.

uzD Unsatisfactory level of financial reliability

The company awarded the rating of this level has an unsatisfactory level of reliability. The company fails to ensure that it meets its financial obligations in time, and/or there is a very high probability that the company fails to meet its financial obligations arising over the course of insurance activity.