OREANDA-NEWS. 'Expert RA' rating agency assigned 'Zarechye' Joint Stock Commercial Bank creditworthiness rating A, which means high credit solvency, the third sublevel, the stable rating outlook. The stable outlook means high probability of maintaining the rating in the mid-term.

High capital adequacy, good loan portfolio quality, and the long-term liquidity ratio were the key factors having a positive impact on the rating.

'Expert RA' analysts highlight high concentration of active transactions on major credit risk items, resource volatility as well as inadequate management of the main bank risks as the key rating-restraining factors.