OREANDA-NEWS. 'Expert RA' rating agency assigned 'Orient Express' bank creditworthiness rating A+, which means very high credit solvency, the third rating sub-level. The rating outlook is stable, which means high probability of maintaining the rating in the mid-term.

Strong positions on the consumer lending market, combined with broad business geography, have a positive impact on 'Orient Express' bank rating. The Bank's operations are distinguished by a good balance of assets and liabilities, by their maturities, in the short-term and low concentration of active transactions on major credit risk items.

The low loan portfolio security, which is due to the Bank's specialization on the unsecured retail lending, as well as profitability decline in 2013 had a negative impact on 'Orient Express' bank rating.