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Financial Institutions

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Learn About Financial Institutions

Standard & Poor’s provides ratings on a broad range of financial institutions including banks; savings institutions; securities firms; mortgage institutions; finance companies; government-sponsored enterprises; asset managers; exchange and clearing corporations; and credit unions.  Standard & Poor's provides credit ratings on financial institutions as well as the specific debt instruments they issue.

To form our ratings opinions, our credit analysts review a broad range of business and financial attributes that may influence a financial institution's creditworthiness. Our business risk profile analysis incorporates such factors as country risk, environment, company position, business and geographic diversification, and management strategy. Our financial risk profile analysis incorporates such factors as risk management, capitalization, earnings, funding and liquidity, accounting, and governance.

Financial Institutions Ratings Criteria
For more information on how we analyze financial institutions, see our ratings criteria.

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