RATINGS
ACRA
On March 23, 2026, the Analytical Credit Rating Agency (ACRA) confirmed the credit rating of PJSC Sovcombank at "AA(RU)" with a "Stable" outlook and upgraded the rating of subordinated perpetual bonds to "BBB(RU)". The rating confirmation reflects Sovcombank's stable business franchise, strong capital position, adequate risk profile assessment, and stable funding and liquidity position. The Agency notes high business diversification, a wide regional customer base, significant income from insurance branch, and a long-term successful history of M&A.
Expert RA
On June 24, 2025, Expert RA affirmed its credit rating on PJSC Sovcombank at "ruAA" with a "stable" outlook. The credit rating reflects the bank’s strong market position, the downward assessment of its capital adequacy and profitability metrics and improved assessment of its liquidity position, the adequate quality of its assets and guarantee portfolio, and agency's view of its corporate governance practices as strong. Sovcombank’s very high market significance, stemming from its status of a systemically important lending institution, is an important rating strength.
NCR
On April 17, 2026, the National Credit Ratings ("NCR") rating agency confirmed the credit rating of PJSC Sovcombank at "AA.ru" with a "stable" outlook. The rating confirms the bank's strong market position, high business diversification, steady profit growth and low risk appetite. The rating agency notes the high quality of corporate governance and the effective strategy of organic and inorganic development of the bank, confirmed by the successful integration of acquired assets and strengthening of positions in the market.
Expert RA
On December 28, 2024, the Expert RA rating agency confirmed Sovcombank's ESG rating at "ESG-II(b)" and assigned an "ESG-A" rating in accordance with the Bank of Russia scale, which means a very high level of implementation and planning of sustainable development practices. The agency also raised its rating outlook to "Positive". Over the past year, the bank has made a qualitative leap in the sustainable development and social investment agenda. The company has implemented and operates its own ESG-scoring system based on the best international practices, methodologies of Russian rating agencies and corresponding to national taxonomies (1587). The "Positive" outlook on the rating is due to the further ESG transformation of the bank. The Agency expects an increase in the share of green, adaptive, and social loans in the corporate loan portfolio.