The private Credit Rating (CR) provides an independent opinion on the creditworthiness of a financial institution, based on a thorough analysis of the entity’s risk profile and its capacity to repay financial obligations.

The CR primarily relies on data and information provided directly by the rated entity. This information, subject to analytical crosschecks and verifications, represents a highly reliable data source for analyzing the issuer’s financial strength rating. From this analysis, the CR reflects an in-depth analysis of the entity’s performance and risk profile.

Our methodology evaluates both quantitative areas (Capitalization, Quality of Assets, Liquidity and Financial Risks, Profitability) and qualitative ones (External Context, Governance and Management, Market Positioning, Risk Management framework and mitigation strategies).