OREANDA-NEWS. July 31, 2015. National Rating Agency has assigned its national scale ‘A-’ credit rating to Regional Commerce Bank CJSC (RCB).

The rating is supported by RCB’s positive growth dynamics, stable customer base and good-quality loan portfolio. Non-financial strengths include the bank’s supportive owners, who are committed to promoting RCB’s further growth, realize the importance of proper capitalization and are capable of providing it, as well as the positive reputation of RCB’s shareholders and Management Board members, enabling the bank to raise medium- and long term debt from the market.

The rating is constrained by the bank’s currently modest business scale, minimum headway to meet the equity size requirements, in absolute terms, and fairly low reserves against credit risks (despite the good-quality loan book), which threatens RCB’s capital strength if there is any deterioration in borrowers’ creditworthiness.