OREANDA-NEWS. February 2, 2012. The rating agency "Expert RA" has confirmed the credit rating of "social bank of the Volga" (SBV) at B++ "acceptable level of solvency," forecast of "stable." Positively to the rating of the impact on customers diversified loan portfolio, a good balance of assets and liabilities by maturity on short and medium term horizon, as well as the stability of the resource base in 2011. The decisive factor limiting the level of solvency of the bank, gave a very low level of capital adequacy. "Management of the bank announced plans to increase capital by selling new shares, but the agency does not yet have the relevant supporting documents," - says Stanislav Volkov, head of credit rating institutions, "Expert RA".