Monetary policy, tech disruption, and evolving regulations are forcing financial institutions to take a hard look at their business models. You will find insights into how these trends are affecting the credit profile of our broad coverage of banks, asset managers, clearing houses, and other non-bank financial institutions.
Explanation of a credit rating action on a debt issue. In addition, rating actions on a group of issuers can be bundled and published as rating actions news, without individual research updates. The report provides the rating action rationales for the group of entities or sector, followed by individual entity- specific rationales and updated outlook/CreditWatch, reflecting the view of a rating committee.
Overview and rationale of a credit rating action taken at the issuer level, including newly assigned ratings, rating changes, outlook or CreditWatch revisions, and updated ratings score snapshot.
Quick and timely report addressing a particular development or event that has no current impact on the credit rating on an issuer.
Detailed reports on an individual issuer, providing the issuer credit rating (ICR) snapshot and a breakdown of the factors that make up the stand-alone credit profile (SACP). In addition, resolution counterparty ratings (RCR) are provided for certain financial institutions that are likely to be subject to an effective bail in resolution regime in the event of distress. The reports also provide other insights on the issuer, such as key strengths and weaknesses; outlook, including downside and upside scenarios; anchor, business position, capital, and earnings factors; environmental, social, and governance considerations; and a view of the entity’s risk-adjusted capital; risk position, funding and liquidity analysis; as well as external support factors among other content. A shorter full analysis, called an Update, may also be published.