OREANDA-NEWS. On 29 December 2008 was announced, that according to RusRating senior analyst Larisa Makarenko, positive factors include a stable corporate client base, strong support from the Bank’s owner, stable and professional management, an important social function in the Krasnodar region, and official backing in the form of credit resources. Potentially destabilising factors include reliance on retail deposits, limited sources of current liquidity and limited access to long-term funding.

Kuban Credit is a mid-sized (by assets) private-sector regional bank that operates in the Krasnodar region. Its core line of business is corporate loans, many of which are extended to companies controlled by its owner. Retail activity has been growing since 2001, with an emphasis on deposits, payments and plastic cards. The Bank has a well-established network of sub-branches in its home region and is a leading player in the local market. Speculative activity is negligible and interbank market activity minimal.