Details
The Institutional Rating Report (MIR) analyzes the following areas:
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
• Credit Risk per Credit type (Agro, Production, Consumer, SME, others)
• Supervision
• Portfolio Quality (Portfolio under Risk and Penalties, Operating Risks and Provisions, and Collection System)
FINANCIAL RISK
• Profitability
• Solvency
• Liquidity and funding
• Market risk
OPERATIONAL RISK
• Internal control
• Operational risks
• Management information systems
Sub-rating: Financial Profile. Opinion on institution's financial strength and ability to meet its financial obligations.