agreements of others. This class may include borrowers banks (residents) with credit rating not lower than than in figure confirmed by the ballot of one of the world's leading rating agencies (Fitch IBCA, Standard & Poor `s, Moody` s, etc.). Class "D" - unsatisfactory financial activities (economic indicators do not meet the established meaning) and observed its instability during the year, there is a high risk of significant losses, the probability of complete loan repayment and interest / fees it is low, the problem may relate to the state of collateral, required to provide documentation that indicates the presence of (Safety), and its liquidity and more. If during the next classification no undoubted evidence to improve within one Monthly financial condition of the borrower's bank or the level of security for credit transaction, then it must be classified into following class (class "D"). This class belongs to the borrower / counterparty bank against which filed for bankruptcy.