OREANDA-NEWS. May 28, 2012. Expert RA rating agency assigned Bplusplus (Acceptable) creditworthiness rating to RTBK, forecast is "stable".

RTBK rating is supported by short-term asset/liability balance and acceptable profitability indicators (Russian Accounting Standards). Another plus: acceptable level of concentration of active operations at large credit risk objects and long-term asset/liability balance.

Key limiting factors: low capital adequacy and non-optimal structure of capital, insufficiently conservative provision policy. The bank is characterized by high concentration of legal entities and individual entrepreneurs loan portfolio on construction and real estate operations, by non-concentrated property structure. “Since property is dissipated, control over hired managers activity may be weak”, says Stanislav Volkov, head of Expert RA credit institutions department.