OREANDA-NEWS. January 12, 2012. The rating agency "Expert RA" has raised credit rating of CB "SOLIDARITY" (JSC) to A "high level of creditworthiness." Rating outlook is "stable." Earlier, the Bank has acted rating of B + + "acceptable level of solvency" rating outlook "stable".

The main factors that positively affect the rating of the Bank, is an acceptable level of banks' capital adequacy and the availability of significant amount of additional liquidity. Also a positive impact on credit rating have a high level of security of the loan portfolio, strong market position among the banks of Samara region and a good balance of assets and liabilities in the short and medium-term horizon. Agency notes the high quality of the securities portfolio, a high level of operational risk management and diversification is a good source of borrowed funds.

key factors limiting the creditworthiness of the Bank's profitability is low, a high proportion of encumbered securities, and the poor quality of loan debt. "A high proportion of securities with a charge, making the Bank more responsive to the realization of equity risk. There is a risk of impairment of assets at constant volume commitments, "- says Stanislav Volkov , Head of Credit rating institutions" Expert RA ". The factors limiting the credit rating of the bank, attributed the strong dependence of the "short" funds, asset-liability mismatch on long-term horizon and a high concentration of active operations on objects of large credit risk.