The following is a statement in financial from president and CEO of Samba Bank on behalf of directors to Shareholders: "As a result of strong liquidity position and its strategic direction, your bank's medium to long term credit rating maintained as A (single A) whereas its short term rating remained as A-1 (A-One) as issued by JCR-VIS Credit rating Agency. These long and short term ratings, respectively, denote the low credit risk due to the adequate credit quality with reasonable protection....." Required: Explain in detail that how samba bank would have been able to achieve such high credit quality.