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Bank Scorecard

 

  • The challenge
  • The solution

Streamline Bank Credit Risk Analysis

Banks' overall balance sheet strength are a key support of creditworthiness across many regions during periods of stress. The economic effects of the coronavirus pandemic on countries, although likely uneven, will test asset quality and revenues. Credit risk analysts have a fundamental need for comparable data points on all their counterparty banks in order to effectively assess creditworthiness.

But the available data is often disparate and inconsistent, particularly if the bank is unrated, which requires added time and effort.

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.

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

Implement with Confidence

Get in-depth credit training on the application of the Bank Scorecard and the methodology behind it
Harness the full power of the solution with year round specialist support
Obtain transparent and in-depth model development and maintenance documentation

Learn more about the Bank Scorecard

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See our solutions in action.