Bank rating process

Bank rating process
Process map generated by the ProcessHorizon web app

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 ?

Explore the smart ProcessHorizon web app https://processhorizon.com for better process designs of your making.

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By Peter Haenni