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Moody's Banks and FSR Rating Definitions
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Moody's Short-Term Bank Deposit Ratings
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Prime-1
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Banks rated Prime-1 for deposits offer superior credit quality and a very strong
capacity for timely payment of short-term deposit obligations.
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Prime-2
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Banks rated Prime-2 for deposits offer strong credit quality and a strong capacity
for timely payment of short-term deposit obligations.
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Prime-3
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Banks rated Prime-3 for deposits offer acceptable credit quality and an adequate
capacity for timely payment of short-term deposit obligations.
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Not Prime
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Banks rated Not Prime for deposits offer questionable to poor credit quality and
an
uncertain capacity for timely payment of short-term deposit obligations.
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MOODY'S BANK FINANCIAL STRENGTH RATINGS:
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Moody's Bank Financial Strength Ratings represent
Moody's opinion of a bank's intrinsic safety
and soundness and, as such, exclude certain external credit risk and credit support
elements that are addressed by Moody's Bank Deposit Ratings. In addition to commercial
banks, Moody's BFSRs may also be assigned to
other types of financial institutions such as multilateral development banks and
government sponsored financial institutions.
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Unlike Moody's Bank Deposit Ratings, Bank Financial
Strength Ratings do not address the probability of timely payment. Instead, Bank
Financial Strength Ratings can be understood as a measure of the likelihood that
a bank will require assistance from third parties such as its owners, its industry
group, or official institutions.
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Bank Financial Strength Ratings do not take into account the probability that the
bank will receive such external support, nor do they address risks arising from
sovereign actions that may interfere with a bank's ability to honor its domestic
or foreign currency obligations.
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Factors considered in the assignment of Bank Financial Strength Ratings include
bank-specific elements such as financial fundamentals, franchise value, and business
and asset diversification. Although Bank Financial Strength Ratings exclude the
external factors specified above, they do take into account other risk factors in
the bank's operating environment, including the strength and prospective performance
of the economy, as well as the structure and relative fragility of the financial
system and the quality of banking regulation and supervision.
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The definitions for Moody's Bank Financial Strength Ratings employ the alphabetic
notation A through E as well as the symbols + and – to indicate gradation. They
are as follows:
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A
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Banks rated A possess superior intrinsic financial strength. Typically, they will
be institutions with highly valuable and defensible business franchises, strong
financial fundamentals, and a very predictable and stable operating environment.
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B
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Banks rated B possess strong intrinsic financial strength. Typically, they will
be institutions with valuable and defensible business franchises, good financial
fundamentals, and a predictable and stable operating environment.
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C
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Banks rated C possess adequate intrinsic financial strength. Typically, they will
be institutions with more limited but still valuable business franchises. These
banks will display either acceptable financial fundamentals within a predictable
and stable operating environment, or good financial fundamentals within a less predictable
and stable operating environment.
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D
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Banks rated D display modest intrinsic financial strength, potentially requiring
some outside support at times. Such institutions may be limited by one or more of
the following factors: a weak business franchise; financial fundamentals that are
deficient in one or more respects; or an unpredictable and unstable operating environment.
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E
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Banks rated E display very modest intrinsic financial strength, with a higher likelihood
of periodic outside support or an eventual need for outside assistance. Such institutions
may be limited by one or more of the following factors: a weak and limited business
franchise; financial fundamentals that are materially deficient in one or more respects;
or a highly unpredictable or unstable operating environment.
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Intermediate Categories
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Where appropriate, a "+" modifier will be appended to ratings below the "A" category
and a "-" modifier will be appended to ratings above the "E" category to distinguish
those banks that fall in intermediate categories.
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Highlights |
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Contact Securitization Company - 7th...
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MERIS (Middle East Ratings & Investors Service) Affirms the National Scale Ratings (NSR) to the Seventh Multiple-Tranches Asset-Backed Securitization Bond...
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More..
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Contact Securitization Company - 6th...
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MERIS (Middle East Rating & Investors Service) Affirms The National Scale Ratings (NSR) to the 6th Multiple-Tranche Asset-Backed Securitization Bond...
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More..
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Structured Finance Presentation |
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A structured finance security is a security backed by a pool of assets (underlying assets) such as real estate, trade receivables, marketable ... |
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More.. |
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Financial markets should be
efficient and fair to all market
participants. Credit rating agencies
play an important information role
in these markets. Moody’s Investors
Service (“Moody’s”) provides
opinions in the form of credit
ratings and related ... |
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More.. |
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