OREANDA-NEWS. “Expert RA” rating agency upgraded “ENISEI” Joint-Stock Commercial Bank creditworthiness rating to A, which means high credit solvency. The rating outlook is stable, which means high probability of maintaining the rating in the mid-term. The Bank used to have rating B++, which means acceptable credit solvency, with the positive outlook.

Significant growth in the current ratio was the key factor that determined the rating increase. Besides, the highly secured loan portfolio and moderately low concentration of active transactions on major credit risk items remained the factors that influenced “ENISEI” Joint-Stock Commercial Bank rating positively.

“Expert RA” analysts highlight the imbalance of assets and liabilities by their maturities in the 12-month period and longer as the key rating-restraining factor.