OREANDA-NEWS. 'Expert RA' rating agency confirmed 'ZERIH' Bank creditworthiness rating A, which means high credit solvency, the third sub-level, the rating outlook is stable.

Low past-due debt for the aggregate loan portfolio on the balance sheet, acceptance concentration of active transactions on major credit risk items as well as a good balance of assets and liabilities, by their maturities, in the short-term support the Bank rating.

Moderately low capital adequacy, the Bank's reliance on individuals' money as a source of funding and low property pledge security are highlighted as the key rating-restraining factors by 'Expert RA' analysts.