OREANDA-NEWS. ‘Expert RA’ rating agency confirmed ‘Kamsky Commercial Bank’ creditworthiness rating A, which means high credit solvency, with the stable outlook.

High security of the loan portfolio, taking into account property, pledge of securities, sureties and guarantees, combined with its moderately high quality, were highlighted as the key positive factors. Stable dynamics of raised funds in 2011 / early 2013 had a positive impact on ‘Kamsky Commercial Bank’ rating. The moderately high share of ‘long’ liabilities supported the rating.

The suboptimal equity structure and the insufficient balance of assets and liabilities, by their maturities, in the long-term were the main restraining factors for ‘Kamsky Commercial Bank’ rating. The insufficiently conservative loan provisioning policy and moderately low profitability indicators exert pressure on the rating.