OREANDA-NEWS. ‘Expert RA’ rating agency confirmed ‘IntechBank’ creditworthiness rating A, which means high credit solvency, the second sub-level. The rating outlook is stable.

A good balance of assets and liabilities in the short-term, a good balance of assets and liabilities, by their maturities, in 12+ month term, and low concentration of raised funds on major lenders/ groups of lenders support the Bank rating. Low currency risks and good coverage of operating costs with interest and commission income also have a positive impact on the rating.

‘Expert RA’ analysts note high concentration of active transactions on the major credit risk items as the rating-restraining factor. High prolonged debt, the high share of III-V quality category loans and the insufficiently conservative provisioning policy also have a negative impact on the rating.