OREANDA-NEWS. 'Expert RA' rating agency assigned 'CB SSSB' creditworthiness rating A, which means high credit solvency, the third rating sublevel. The rating outlook is stable, which means high probability of maintaining the rating in the mid-term.

The high quick ratio and the high current ratio, good loan portfolio quality and high diversification of active transactions by customers are highlighted as the main factors having a positive impact on the Bank rating.

The negative net interest margin, the Bank's high reliance on individuals' money as the source of funding and the significant share of loans to the borrowers involved in construction are the negative factors.