OREANDA-NEWS. 'Expert RA' rating agency assigned 'Link-bank' creditworthiness rating В++, which means acceptable credit solvency, with the stable outlook. The stable outlook means high probability of maintaining the rating in the mid-term.

High capital adequacy, a good balance of assets and liabilities, by their maturities, in the short-term and a good loan portfolio quality were the main factors that influenced 'Link-bank' rating positively. In addition, a good balance of assets and liabilities, by their maturities, in the long-term, the provisioning policy adequate to the undertaken credit risks, and the stable trends for raised funds in 2012/2013 had a positive impact on the rating.

'Expert RA' analysts note the low capital amount in absolute terms, the low loan portfolio security, weak competitive positions and the extremely narrow customer base in the corporate lending segment as the key rating-restraining factors.