OREANDA-NEWS. 'Expert RA' rating agency upgraded 'Antalbank' Commercial Bank creditworthiness rating to A, which means high credit solvency, the third sub-level. The rating outlook is stable, which means high probability of maintaining the rating in the mid-term. The Bank used to have rating B++, which means acceptable credit solvency, the stable outlook.

A good balance of assets and liabilities, by their maturities, in the short- and mid-terms, acceptable capital adequacy and high business profitability are the main factors having a positive impact on the Bank's creditworthiness.

The Agency highlights low loan portfolio security and the narrow customer base in the corporate lending segment as the key rating-restraining factors. A significant volume of encumbered assets also has a negative impact on the rating. The risks related to high business growth rates are another rating-restraining factor. In the period from January 1, 2013, to November 1, 2013, the Bank's assets doubled, or increased by RUB 5 billion, which makes the operating risks significantly higher, and the asset quality assessment, more complicated.