Select the preferred region/country and language from the list below:

Check this box to go to your preferred country/region and language homepage every time you visit www.standardandpoors.com.

S&P |

Find a Rating
S&P.com will be conducting routine maintenance Friday at 8pm through Sunday at 5pm, New York time. Site performance may not be optimal during this time. We apologize for the inconvenience and thank you for your patience.

Enterprise Risk Management

Standard & Poor’s Ratings Services has expanded its review of the financial service industry’s enterprise risk management (ERM) practices. This enterprise risk management initiative is an effort to provide more in-depth analysis and incisive commentary on the many critical dimensions of risk that determine overall creditworthiness.

This enhancement is part of Standard & Poor’s holistic assessment of enterprise risk management of corporations and financial institutions. Standard & Poor's is continually enhancing its ratings process to respond to the emergence of new risks and marketplace needs and conditions. 

Insurance ERM-Commentary & Criteria
Corporates ERM-Commentary & Criteria