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Moody’s affirms Center-invest Bank’s stable Rating


On 15 July 2021 Moody’s Investors Service affirmed Center-invest Bank’s Ba3 rating for long-term local and foreign-currency deposits, outlook stable.

This rating reflects the Bank's high capital adequacy, as well as the optimal balance between a conservative approach to risk management and sustainable profitability.

Analysts of the rating agency confirm that Center-invest Bank has a moderately high level of creditworthiness compared to other credit institutions in the Russian Federation.

Analysts also noted the leading role of Center-invest Bank in the development of small business and lending to the population despite the constantly growing competition from large federal banks. The accumulated business experience in the Rostov region and neighboring southern regions serves as a significant competitive advantage in these business segments.

Center-invest Bank is an organically growing regional bank, ranks 12th among the most profitable banks in Russia and 16th for efficiency. The main areas of business are lending to the population, the agro-industrial sector, small and medium-sized businesses.

In the rating published by the newspaper "Kommersant" as of April 1, 2021, Center-invest Bank ranks 37th for net profit, 38th for lending to the real sector of the economy; 54th for assets, 65th for capital. As of April 1, 2021, the Bank's assets amounted to RUB117.8bn, the Bank's equity capital amounted to RUB15.2 bn, the capital adequacy of the 1st level (Basel III) is 16%. Diversified portfolio of deposits and loans provides stable liquidity in the amount of 20% of total assets.

Center-invest Bank is successfully implementing the ESG banking business model and demonstrates not only positive dynamics of financial indicators, but also its participation in the implementation of the UN Sustainable Development Goals. As of July 1, 2021, the Bank allocated RUB245.2bn to achieve SDGs and RUB213.5bn on National projects.