OREANDA-NEWS. On 03 February 2009 was announced, that according to RusRating analyst Alexander Ponamarev, positive factors include official backing (in the form of credit resources), the financial and political support of the Bank’s leading shareholder (the regional government), a system-critical role within the KMAR and solid market positions at the regional level. Potentially destabilising factors include a possible weakening of loan book quality as large-scale credit risks are realised, sensitivity to volatile securities market conditions, and moderate exposure to both retail deposits (which are typically more sensitive to panic in the market and the interbank market (due to the volume of transactions).