Our Approach
We apply a distinctive approach to assessing credit risk in financial institutions, with methodologies tailored to European complexities. Our transparent, forward-looking methodology combines sector trend analysis with insights into evolving regulation. At its core, the methodology focuses on banks’ business models, while also accounting for resolution and recovery regimes, supporting rating stability and predictability over time. Our ratings follow a standardised, step-by-step process that draws on extensive data and peer comparisons, limiting reliance on mechanistic models and ensuring a nuanced risk assessment.