OREANDA-NEWS. 'Expert RA' rating agency confirmed 'Finam' Bank creditworthiness rating A, which means high credit solvency, the rating outlook is stable, the rating sub-level is two. The stable outlook means high probability of maintaining the rating in the mid-term.

High capital adequacy, low past-due debt in the portfolio of corporate and individual businessmen loans, and a good balance of assets and liabilities, by their maturities, in the mid-term have a positive impact on the Bank's creditworthiness. The Agency also positively estimates the synergy of the Bank's relations with other assets of 'Finam' Group, the provisioning ratio adequate to the current credit risk level, and a good balance of assets and liabilities, by their maturities, in the long-term.

The moderately low loan debt quality and low business profitability are the principal factors restraining the Bank's creditworthiness. The acid ratio volatility, low securities portfolio liquidity, and the moderately high credit risk maximum per borrower have a negative impact on the rating.