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Methodologies
Rating U.S. CDFI Banking Organizations(January 8, 2009)
This report provides a general background
of the banks and bank (or thrift) holding companies having Community Development
Financial Institutions designations, as well as A.M. Best Co.s performance metrics
and rating analytical framework for assessing their financial strength.
Rating Methodology for Banks (February 27, 2007) - The
bank rating methodology outlines the principles and analytical criteria underpinning A.M.
Bests rating opinion on a bank, its parent holding company and other affiliated banking entities
as may be necessary as part of A.M. Bests ratings on a banking group.
Analyzing
Finance Companies (June 6, 2005) - The analytical framework
for assessing finance companies highlights special issues particular to the
finance industry, according to A.M. Best Co.'s latest rating methodology,
Analyzing Finance Companies.
Analyzing
Commercial Banking Operations (March 28, 2005) - Globally,
increasing numbers of banks and insurers have expanded operations into each
other's industry. Based on this growing trend, A.M. Best Co. has released a
methodology for evaluating the financial health of the banking operations of
insurance-related enterprises. |
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Industry Research (view more)
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2010 Special Report: Global Banking – Issue Review. Taxing Times for the Private Banking Industry: Having weathered the credit crunch with relative ease, the offshore private banking industry faces a different set of obstacles as a global crackdown on tax evasion has led to heavy pressure being exerted on so-called "tax havens." In this report, A.M. Best examines four key European jurisdictions: Andorra, Liechtenstein, San Marino and Switzerland.
Date: 2/1/2010 Source: Special Reports (PDF) Pages: 20
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2010 Special Report: European Banking -– Issue Review. European Banks Juggle Funding & Liquidity Needs: European Banks face significant challenges in managing funding and liquidity, which are at least as important as the amount and quality of capital in positioning the industry to meet future financial crises. Banks are vying for finite sources of funding amid the current recession, and costs are higher, putting pressure on profitablity even as loan losses are mounting.
Date: 1/11/2010 Source: Special Reports (PDF) Pages: 12
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2009 Special Report: U.S.
Banking - Regulatory Review. Regulatory Rules' Overhaul Seeks to Change Banking Landscape
Depending on what Congress enacts, the Obama administration's regulatory response to the global
financial crisis could represent the most broad-based transformation of the nations patchwork
of financial regulation since the Great Depression.
Date: 8/03/2009 Pages: 16 Available:
Spreadsheet Data
2009 Special
Report: U.S. Banking - Issue Review. Bank Loan Reserves Too Cyclical; ALLL Methodology
May Evolve
U.S. Banks loan loss reserves are lagging behind delinquent loans,
and the shortfall is drawing scrutiny to the methodology for calculating this reserve
- the Allowance For Loan and Lease Losses (ALLL). Most agree that ALLLs should peak
just before delinquencies surge, but historically the opposite has tended to occur.
Date: 7/10/2009 Pages: 16 Available:
Spreadsheet Data
2009
Special Report: U.S. Banking Regulatory Review. Bank Oversight in Crisis is a
High-Wire Act
The global financial crisis has banks and their regulators
struggling with conflicting imperatives amid efforts to shore up the financial system
and pull the economy at large from its deepest slump since the Great Depression.
The need to restart the flow of credit sits awkwardly with banks need to preserve
capital and renounce lax lending standards.
Date: 5/26/2009 Pages:
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2009 Special Report:
U.S. Banking 1st Quarter Interest Review. U.S. Debt May Overwhelm Global Investors Interest
With the record amount of Treasury debt to be auctioned in 2009, A.M. Best raises
questions as to whether demand can keep pace with the increase in supply.
Date: 5/05/2009 Pages: 8 Available:
Spreadsheet Data
2009 Special Report: U.S. Banking
Issue Review. Widening Net Interest Margins Suggest Hope for Traditional Banks
Good news is scarce for the banking industry, as banks face deteriorating assets
and capital levels, but A.M. Best sees, in current financial market and banking
data, signs of opportunity for banks if they can weather the next year or two.
Date: 3/26/2009 Pages: 8 Available:
Spreadsheet Data
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