OREANDA-NEWS. 'Expert RA' rating agency confirmed 'Necklace-Bank' creditworthiness rating В++, which means acceptable credit solvency, the rating outlook is positive. The positive outlook means high probability of upgrading the rating in the mid-term.

A good balance of assets and liabilities, by their maturities, in the short-term, the high share of 'long' liabilities and acceptable diversification of corporate and individual businessman loan debt by industries support 'Necklace-Bank' rating.

A very high concentration of active transactions on major credit risk items, the narrow customer base in corporate lending to legal entities and individual businessmen, and low capital adequacy, while the equity structure is suboptimal, are the principal factors restraining the Bank's creditworthiness.