OREANDA-NEWS. 'Expert RA' rating agency confirmed 'Trade and Construction Bank' creditworthiness rating A, which means high credit solvency, the third sublevel. The rating outlook is stable.

The loan provisioning ratio adequate to the current credit risk level, high business profitability as well as high securities portfolio quality are the main factors having a positive impact on 'Trade and Construction Bank' rating.

High concentration of active transactions on the major credit risk items, the narrow customer base in the corporate lending segment as well as high past-due debt in the retail loan portfolio were highlighted as the Bank creditworthiness restraining factors.