OREANDA-NEWS. Expert RA Rating Agency (RAEX) confirmed Joint-Stock CB ENISEY (OJSC) credit rating A, which means “High level of creditworthiness”. The rating outlook is changed from stable to developing. Developing outlook means rating stability and downgrading are equally likely in the mid-term.

Good balance of assets and liabilities by maturities in the short-term and moderately high security level of the loan portfolio are highlighted as key positive factors.

The main factor negatively influencing the bank's creditworthiness is the non-optimal equity capital structure together with extremely low fixed assets adequacy.

Expert RA was evaluated and certified as satisfying to ISO 9001:2008 demands in the following areas: assigning and actualizing expert assessments; analysis of markets and companies, survey activity; organization of business-forums, conferences and round tables. Rating methods were approved by leading international audit-consultation companies: PricewaterhouseCoopers, Deloitte. Procedural quality and information confidentiality principles are confirmed by Accenture.

Expert RA is accredited at the RF Ministry of Finance. The Agency ratings are included in the list of official requirements to banks, insurers, pension funds, issuers. Expert RA ratings have been officially recognized by FSFM, Central Bank of Russia, Vnesheconombank of Russia, MICEX-RTS, Mortgage Crediting Agency, Deposit Insurance Agency, professional associations and self-regulating organizations: VSS, Russia Association, Strategic Initiative Agency, RSA, NAPF, NLU, NSG, NFA, and hundreds of companies and agencies in the period of bids and tenders.

Expert RA and its employees received more than 80 diplomas, awards and thank-you notes, including Financial Elite award for transparency increase at the financial market, Pension Fund of Russia diploma for objective industry coverage, Time of Innovation award for popularization of innovation activity, Golden Salamander award for high analytical quality at the insurance market and many others.