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Fitch IBCA's Individual Ratings,
which are internationally comparable, attempt to assess how a
bank would be viewed if it were entirely independent and could
not rely on external support. These ratings are designed to assess
a bank's exposure to, appetite for, and management of risk, and
thus represent our view on the likelihood that it would run into
significant difficulties such that it would require support.
The principal factors we analyze to evaluate the bank and deterrnine
these ratings include profitability and balance sheet integrity,
franchise, management, operating environment, and prospects.
Consistency is an important consideration.
A
A very strong bank Characteristics
may include outstanding profitability and balance sheet integrity,
franchise, management, operating environment, or prospects.
B
A strong bank There are
no major concerns regarding the bank. Characteristics may include
strong profitability and balance sheet integrity, franchise,
management, operatmg environment or prospects.
C
An adequate bank
which, however, possesses one or more troublesome aspects. There
may be some concerns regarding its profitability and balance
sheet integrity, franchise, management, operating environment
or prospects.
D
A bank which has
weaknesses of internal and/or external origin. There are concerns
regarding its profitability and balance sheet integrity, franchise,
management, operating environment or prospects.
E
A bank with very
serious problems which either requires or is likely to require
external support.
Note:
In addition, we use gradations among these five ratings, i.e.
A/B, B/C, C/D, and D/E.
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