Detailed account

The institutional rating report analyzes the following aspects:

CONTEXT

• Vision and Strategic Positioning

• Macroeconomic Context

• Legal and Regulatory Environment

• Competitive Environment

STRATEGIC RISK AND GOVERNANCE

• Senior Management

• Corporate Governance and Decision Making

• Ownership and Board of Directors

CREDIT RISK

• Portfolio Composition

• Credit Methodology

• Monitoring

• Portfolio Quality

- Portfolio at Risk and Write-Offs

- Risky Operations and Provisions

- Collection System

FINANCIAL RISK

• Profitability

• Solvency

• Liquidity and funding

• Market risks

OPERATIONAL RISK

• Internal control

• Operational risks

• Management information systems

α+ α

Those financial institutions with high long-term institutional viability and high financial capacity. Excellent performance. Low risk or well-managed risk in short and medium term.

α- β+

Those financial institutions with good long-term institutional viability and good financial capacity. Good performance. Moderate risk or well-managed short-term risk.

β β-

Those financial institutions with moderate long-term institutional viability and moderate financial capacity. Satisfactory performance. Moderate to medium-high risk.

γ+ γ

Those financial institutions with low long-term institutional viability and insufficient financial capacity. Weak or poor performance. High to very high risk.

Sub-rating: Financial Profile. Opinion on institution's financial strength and ability to meet its financial obligations.

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