Bank Scorecard
Streamline Bank Credit Risk Analysis
With the Bank Scorecard you can generate consistent credit risk scores for the banks and credit unions in your portfolio - whether they are rated or unrated. Better assess and manage your risk with the S&P Global Market Intelligence Bank Scorecard.
Key Features
Score Banks and Credit Unions
26,000+ banks across all regions, including listed, non-listed, and subsidiary banks, and 5,300+ credit unions.
Combine Key Quantitative & Qualitative Risk Dimensions
Evaluate the risk position or adequacy of a bank's risk framework through a process that considers a multitude of risk factors, weightings, benchmarks, and scoring algorithms.
Incorporate Parental or Governmental Support
Incorporate parental or governmental support by evaluating the bank's stand-alone credit profile (SACP), systemic importance, overall banking health, and required additional loss absorbing capacity.
How it Works
Combine Key Quantitative & Qualitative Risk Dimensions
- Assess ability to absorb losses through capital and earnings analysis while determining funding mix and liquidity needs.
- “Quantify the Qualitative” through our consistent, intuitive, and objective structure that makes it easier to incorporate hard to analyze qualitative factors.
- Evaluate the risk position or adequacy of a bank’s risk framework through a process that considers a multitude of risk factors, weightings, benchmarks, and scoring algorithms.
Add a Country’s Economic and Banking Industry Risk to Your Analysis
- Evaluate and compare global banking systems.
- Identify a bank’s geographic distribution of economic risk.
- Determine the systemic risk of a country’s banking industry.
Incorporate the Effect of Parental or Governmental Support
- Determine the extent to which a bank’s stand-alone credit profile (SACP) can improve as a result of a parent’s or government’s financial and operational support.
- Evaluate the systemic importance of a bank within its home country, and the health of the overall banking system in a given country.
- Assess Additional Loss Absorbing Capacity required by regulators.
Better Assess and Manage Risk with the Bank Scorecard
Score Banks and Credit Unions
Assess banks and credit unions through a unique credit assessment framework.
Quantitative & Qualitative Risk Dimensions
Assess ability to absorb losses through capital and earnings analysis while determining funding mix and liquidity needs.
Economic and Banking Industry Risk
Evaluate and compare global banking systems and identify a bank’s geographic distribution of economic risk.
Parental or Governmental Support
Determine the extent to which a bank’s SACP can improve as a result of a parent’s or government’s financial and operational support.
Implement with Confidence
Get in-depth credit training and documentation on the application of the Bank Scorecard.
Aggregate data quickly
S&P Capital IQ Excel plug-in feature provides a convenient spreading solution.
Request Follow Up
S&P Global Market Intelligence’s Credit Assessment Scorecards offer a comprehensive framework, enabling automatic financial data retrieval via our Excel® plug-in, access to credit risk benchmarks, and intuitive attribute-driven scoring guidelines for evaluating a bank’s business risk factors.