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Essential Intelligence: Models

Financial Services Credit Tools

Bank Credit Scenario Builder

Available on the S&P Ratings iPad App, on the web and as an Excel download, our Bank Credit Scenario Builder allows you to create scenarios based on your inputs and our bank ratings framework. Then, you can compare the resulting illustrative credit ratings.

Try it online or on your iPad.

Risk Adjusted Capital (RAC) Model For Global Banks
Please find below links to the latest version of our Risk-Adjusted Capital (RAC) Model For Global Banks and Non-Bank Financial Institutions.

Risk-Adjusted Capital Framework Methodology (published July 20 2017)
Risk-Adjusted Capital Framework Model
Risk-Adjusted Capital Framework Reference Guide

Insurance Credit Scenario Builder

With the Insurance Credit Scenario Builder, you can create, save and compare illustrative financial strength ratings scenarios for insurance companies based on your own parameters and adjustments as well as S&P Rating's methodology and assumptions.

Insurance Capital Model
S&P Global Ratings' risk-based capital (RBC) adequacy model is a quantitative tool that is integral to our analysis of the capital adequacy of life, property/casualty (P/C), health insurance, and reinsurance companies worldwide. We base our overall opinion of an insurer's level of adequacy on insights drawn from this model, evaluated in conjunction with more qualitative factors.

The model was updated in May 2020. Download Version 4:
S&P Global Ratings Insurance Capital Model v4.0 (XLSM)

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