In the summer of 2016 the RAEX rating agency assigned score to reliability of MILI microfinancial company at the A+ level. mfi "Very High Level of Reliability". According to rating the stable forecast is set that means a high probability of preserving of rating at the current level in the medium term.
The rating agency positively estimated strengthening of competitive positions of MILI – the amount of the issued microloans in 2015 grew by 7 times to 688 million rubles, about 27 thousand clients obtained a loan repeatedly. Besides, the high level of sufficiency of own means (the coefficient of autonomy made 87.4% on 7/1/16, at the same time all raised funds fall on parent company) and high rates of liquidity were mentioned. Own means of MILI are not overestimated because of the accrued interest on problem debt, as at many IFIs from a segment of PDL as the company carries out cessions with considerable discount already at early stages of emergence of arrears.
The rating agency also selected the following positive factors: limited practice of prolongations (since 2016 prolongations for the term of over 21 days are not applied) and the low level of concentration of credit risk (the maximum amount of a loan makes 30 thousand rubles). PDL level of defaultness, acceptable for a segment, of the issued loans is noted (24.4% issued in the I quarter 2015 turned into category of loans with the payments delayed over 90 days).
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