Bank Industry Risk Analyzing Expert 银行业风险分析专家 - Banking Risk Analysis Tool

Example

Evaluating the economic, institutions, and governance strength of a country to understand its banking country risk.

Scenario

In assessing a bank operating in a country with high economic resilience but susceptible to event risks, the tool examines factors such as GDP growth, institutional quality, and potential political or financial crises, adjusting the bank's risk assessment accordingly.

Example

Analyzing solvency and liquidity through financial ratios like asset risk, capital adequacy, and liquidity management.

Scenario

For a bank with a solid capital structure but high liquidity risk due to short-term borrowings, the tool provides insights into its solvency and liquidity, suggesting areas for improvement.

Example

Incorporating factors such as business diversification, opacity and complexity, and corporate behavior into the bank's creditworthiness assessment.

Scenario

A bank with diversified operations and transparent corporate governance would receive a positive adjustment, reflecting lower risk in its credit assessment.

Example

Determining potential support from affiliates or the government and the impact of the bank's failure on its various debt classes.

Scenario

If a bank is deemed to have high probability of government support due to its systemic importance, this analysis could enhance its instrument ratings, reflecting lower expected loss in case of failure.