Details
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 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.