OREANDA-NEWS. January 17, 2012. rating agency "Expert RA" has raised credit rating to A Zernobanka "high level of solvency." Rating outlook is "stable." Earlier, the Bank has acted rating of B + + "acceptable level of solvency," forecast "positive".

The key factors contributing to the increase in rating Zernobanka, were prolonged decline in the share of loans in the loan portfolio and a consistently high level of return on equity in 2011. "High rates of return on equity of the Bank are due primarily to the increase in net interest and commission income, which we refer to the stable components of financial performance," - says Stanislav Volkov , head of credit rating institutions, "Expert RA".

A key factor limiting the rating, the analysts "Expert RA" noted the lack of balance sheets in long-term horizon, as well as moderately high concentration of funds in the largest lender and the narrow geography of activity.