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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 Bank Ratings Framework articulates the steps our analysts and credit committees take when developing stand-alone credit profiles (SCAPs) and issuer credit ratings (ICRs) for banks. Prior to setting the ICR, there is a consideration of the potential for additional direct support from the bank's parent group or sovereign government. See our Bank Ratings Framework website.
Financial Institutions Ratings Criteria
For more information on how we analyze financial institutions, see our ratings criteria.
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