OREANDA-NEWS. 'Expert RA' rating agency confirmed 'Levoberezhny' Bank creditworthiness rating A, which means high credit solvency, the first sub-level, the stable rating outlook.

'Expert RA' analysts highlight the Bank's strong competitive standing in the Novosibirsk Region, high business profitability from October 1, 2012, to October 1, 2013, and low concentration of active transactions on major credit risk items as the key factors having a positive impact on the Bank rating. A good balance of assets and liabilities, by their maturities, in the short- and long-terms and the loan debt sufficiently diversified by industries have a positive impact on the rating.

Low capital adequacy combined with its suboptimal structure and the resource base reliance on individuals' money as the key source funding, combined with their low geographic diversification, still pressurize the rating.