Bank rating process

The bank rating process involves several steps as follows:

• a pre-rating analysis to determine the key factors that will influence the bank's rating,
• an initial rating assessment,
• an in-depth analysis of the bank's financial condition,
• management interviews to gain a deeper understanding of the bank's business model and risk management practices,
• a review and final rating assignment, and
• ongoing surveillance to ensure that the rating remains accurate and up-to-date.

What might be missing also considering capital adequacy, asset quality, management, earnings, liquidity and sensitivity (CAMELS) used by regulatory banking authorities ?

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