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ARCHIVE | Criteria | Financial Institutions | Request for Comment: Standard & Poor's Risk-Adjusted Capital Framework For Financial Institutions Jul 08 Product Image

ARCHIVE | Criteria | Financial Institutions | Request for Comment: Standard & Poor's Risk-Adjusted Capital Framework For Financial Institutions Jul 08

  • Published: July 2008
  • Standard & Poors

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Abstract
Standard & Poor's Ratings Services is updating the way it evaluates the capital adequacy of financial institutions worldwide. So far, we've published information on our general framework for risk-adjusted capital analysis and methodology for refining the computation of capital. This report provides further details on the approach, calibration methodology, and risk parameters we're using to construct our global risk-adjusted capital framework (RACF). Additional information can be found in "Credit FAQ: Standard & Poor's Addresses Frequently Asked Questions About Its Risk-Adjusted Capital Ratio," and "Trading Losses At Financial Institutions Underscore Need For Greater Market Risk Capital," both published April 15, 2008, on RatingsDirect. The RACF will allow calculation of the Standard & Poor's risk-adjusted capital ratio (RAC), which will provide a...

Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors READ MORE >

- Massachusetts Development Finance Agency
- National Rural Utilities Cooperative Finance Corp.
- American Express Co.
- BOK Financial Corp.
- Bank of Hawaii Corp.
- Bank of New York Mellon Corp.
- Bank of North Dakota
- H&R Block Inc.
- CIT Group Inc.
- Credit Agricole S.A.
- Comerica Inc.
- Commerce Bancshares Inc.
- Credit Foncier de France
- Natixis S.A.
- Springleaf Finance Corp.
- Deutsche Bank AG
- Dresdner Bank AG
- Regions Financial Corp.
- BancWest Corp.
- Wachovia Corporation
- Ford Motor Credit Co. LLC
- General Electric Capital Corp.
- Ally Financial Inc.
- HSBC USA Inc.
- Merrill Lynch & Co. Inc.
- HSBC Bank PLC
- Bank of America Corp.
- National Australia Bank Ltd.
- National City Corp.
- National Westminster Bank PLC
- Northern Trust Corp.
- Wells Fargo & Co.
- PNC Financial Services Group
- PACCAR Financial Corp.
- Private Export Funding Corp.
- Royal Bank of Canada
- State Street Corp.
- Toronto-Dominion Bank
- U.S. Trust Co. of New York
- Zions Bancorporation
- The Royal Bank of Scotland N.V.
- Bank of Montreal
- BNP Paribas
- Bear Stearns Cos. LLC
- BBVA Compass Bancshares, Inc.
- JPMorgan Chase Bank N.A.
- Credit Lyonnais
- Danske Bank A/S
- Eksportfinans ASA
- First Horizon National Corp.
- Huntington Bancshares Inc.
- Danske Bank PLC
- The Royal Bank of Scotland PLC
- Skandinaviska Enskilda Banken AB (publ)
- Societe Generale
- Swedbank AB
- Textron Financial Corp.
- Nordea Bank Finland PLC
- Westpac Banking Corp.
- Fannie Mae
- Barclays Bank PLC
- Bayerische Landesbank
- Commonwealth Bank of Australia
- U.S. Bancorp
- First Tennessee Bank N.A. Memphis
- Manufacturers & Traders Trust Co.
- National City Bank, Cleveland, OH
- Zions First National Bank, Salt Lake City, UT
- Bank of New Zealand
- Credit Agricole Corporate and Investment Bank
- Canadian Imperial Bank of Commerce
- KeyBank N.A.
- Caisse des Depots et Consignations
- SunTrust Banks Inc.
- KeyCorp
- Daiwa Securities Group Inc.
- Bank of Ireland
- Commerzbank AG
- Nomura Securities Co. Ltd.
- Korea Exchange Bank
- BNY Mellon N.A.
- Pohjola Bank PLC
- Lloyds Bank PLC
- Caisse centrale Desjardins
- Svenska Handelsbanken AB
- Lehman Brothers Holdings Inc.
- Morgan Stanley
- Gulf International Bank B.S.C.
- First-Citizens Bank & Trust Co.
- Federal Home Loan Bank of Boston
- Federal Home Loan Bank of Des Moines
- Royal Trust Corp. of Canada
- National Bank of Kuwait S.A.K.
- First National Bank of Omaha
- UniCredit SpA
- Banca Monte dei Paschi di Siena SpA
- Banca Toscana SpA
- Western Corporate Federal Credit Union
- Federal Home Loan Bank of Atlanta
- Federal Home Loan Bank of Chicago
- Southwest Corporate Federal Credit Union
- BancorpSouth Bank
- Rabohypotheekbank N.V.
- Federal Home Loan Bank of Cincinnati
- Dexia Credit Local
- Legg Mason Inc.
- Hitachi Capital Corp.
- Banco Popular de Puerto Rico
- Central Corporate Credit Union
- Standard Chartered Bank
- Arab Banking Corp. B.S.C.
- Federal Home Loan Bank of Indianapolis
- State Bank of India
- Allied Irish Banks PLC
- JPMorgan Chase & Co.
- Credit Agricole CIB Australia Ltd.
- 3i Group PLC
- UniCredit Bank Austria AG
- Bank of the West
- 3i PLC
- Commerzbank International S.A.
- National Consumer Cooperative Bank
- Alliance & Leicester PLC
- DIAC S.A.
- American Savings Bank FSB Honolulu HI
- Citigroup Inc.
- Dexia Crediop SpA
- Nykredit Realkredit A/S
- Banco Santander S.A.
- Credit Logement
- Federal Home Loan Bank of Dallas
- Santander UK PLC
- Credit Suisse AG
- Jefferies Group LLC
- Raiffeisen Zentralbank Oesterreich AG
- Caja de Ahorros y Monte de Piedad de Madrid
- BancorpSouth Inc.
- General Mortgage Bank of Sweden (Sveriges Allmanna Hypoteksbank)
- Bradford & Bingley PLC
- Banque Federative du Credit Mutuel
- TCF National Bank
- Credit Suisse Group AG
- Credit Suisse Holdings (USA) Inc.
- Nomura Bank International PLC
- Britannia Building Society
- Ellco Leasing Corp.
- UnionBanCal Corp.
- Discover Bank
- Nationwide Building Society
- ING Bank N.V.
- Credit Suisse International
- Yorkshire Building Society
- Northern Rock (Asset Management) PLC
- Banque et Caisse d'Epargne de l'Etat, Luxembourg
- Macquarie Bank Ltd.
- Synovus Financial Corp.
- The Goldman Sachs Group Inc.
- Bank of Western Australia Ltd.
- Caixa Geral de Depositos S.A.
- 3i Holdings PLC
- Bankinter S.A.
- TCF Financial Corp.
- Southeast Corporate Federal Credit Union
- Credit du Nord S.A.
- Santander Holdings U.S.A Inc.
- Caisses d'Epargne Participations
- Doral Financial Corp.
- HSBC Holdings PLC
- Caja de Ahorros y Pensiones de Barcelona (Unsolicited Ratings)
- Credit Municipal de Paris
- Banque de Financement et de Tresorerie
- BNP Paribas Personal Finance
- NIBC Bank N.V.
- CA Consumer Finance
- Cofidis S.A.
- Banque Martin Maurel
- Caisse Centrale du Credit Mutuel
- Freddie Mac
- Franfinance
- Banque Kolb S.A.
- Banque Tarneaud S.A.
- Caisse Centrale de Reescompte
- Webster Financial Corp.
- Deutsche Bank Luxembourg S.A.
- Citibank International PLC
- Banco de Sabadell S.A.
- Socram Banque
- Charles Schwab Corp.
- Charles Schwab & Co. Inc.
- Takefuji Corp.
- Credipar
- Bank of China Ltd.
- Banco de Credito Local de Espana S.A.
- T.C. Ziraat Bankasi A.S.
- Bank of Queensland Ltd.
- Eaton Vance Corp.
- ASB Bank Ltd.
- St.George Bank Ltd.
- Locindus S.A.
- Ulster Bank Ltd.
- ING Bank (Australia) Ltd.
- ANZ Bank New Zealand Ltd.
- Schroders PLC
- Turkiye Garanti Bankasi A.S.
- Caisse Centrale du Credit Immobilier de France
- Compagnie Monegasque de Banque SAM
- HSBC Private Bank (Suisse) S.A.
- Capital One Financial Corp.
- Corporate Central Credit Union
- Franklin Resources Inc.
- Washington Mutual, Inc.
- FirstBank Puerto Rico
- Intesa Sanpaolo SpA
- FirstMerit Corp.
- S&T Bank
- Downey Financial Corp.
- Morgan Stanley Bank AG
- Sanyo Shinpan Finance Co. Ltd.
- Stadshypotek AB
- Bank of Taiwan
- BRED - Banque Populaire
- PT Bank CIMB Niaga Tbk. (Unsolicited Ratings)
- Oversea-Chinese Banking Corp. Ltd.
- Krung Thai Bank Public Co. Ltd.
- Bank of Ayudhya Public Co. Ltd.
- Banco de Chile
- The National Commercial Bank
- Arab National Bank
- Samba Financial Group
- Riyad Bank
- The Saudi British Bank
- Banco Bradesco S.A.
- Shinhan Bank
- Kookmin Bank
- Bank of India
- Canara Bank (Unsolicited Ratings)
- Alpha Bank A.E.
- National Bank of Greece S.A.
- Emporiki Bank of Greece S.A.
- Gulf Investment Corporation G.S.C.
- Bank Handlowy w Warszawie S.A. (Unsolicited Ratings)
- Bendigo and Adelaide Bank Ltd.
- National Bank of Dubai
- Emirates Bank International PJSC
- National Bank of Abu Dhabi
- Mashreqbank
- CTBC Bank Co. Ltd.
- Nederlandse Waterschapsbank N.V.
- Standard Bank of South Africa Ltd. (Unsolicited Ratings)
- Komercni Banka A.S.
- K&H Bank (Unsolicited Ratings)
- OTP Bank PLC
- Banco Popular Espanol S.A.
- Banco Hipotecario S.A.
- Industrial Bank of Korea
- PT Bank Negara Indonesia (Persero) Tbk.
- DZ BANK AG Deutsche Zentral-Genossenschaftsbank
- Dollar Financial Group Inc.
- LGT Bank AG
- Commerzbank Europe (Ireland)
- Banco BPI S.A.
- Banco Portugues de Investimento S.A.
- Ceska Sporitelna A.S.
- Taiwan Cooperative Bank Ltd.
- Colonial BancGroup Inc.
- Banca Carige SpA
- General Motors Financial Co. Inc.
- Cullen/Frost Bankers Inc.
- Capital One N.A.
- BBVA Banco Continental
- Banca Popolare di Milano SCRL
- Hypothekenbank in Essen AG
- Whitney National Bank
- Aljba Alliance
- Banco Santander-Chile S.A.
- Citizens Republic Bancorp Inc.
- Banca Agricola Mantovana SpA
- National Bank of Egypt
- City National Corp.
- Credit Suisse (International) Holding AG
- Abu Dhabi Commercial Bank
- Kazkommertsbank JSC
- Halyk Savings Bank of Kazakhstan
- Central-European International Bank Ltd. (Unsolicited Ratings)
- Blom Bank sal
- NCT Trust and Banking Corp.
- Master Trust Bank of Japan Ltd.
- Allied Capital Corp.
- LNR Property LLC
- Wilmington Trust Corp.
- CBRE Services Inc.
- Caja de Ahorros y Monte de Piedad de Gipuzkoa y San Sebastian (Kutxa)
- Caja de Ahorros y Monte de Piedad de Zaragoza Aragon y Rioja (IBERCAJA)
- Commercial International Bank (Egypt) S.A.E.
- DZ Bank Ireland PLC
- DZ PRIVATBANK S.A.
- Arab Tunisian Bank
- Banque de l'Habitat
- Societe Tunisienne de Banque (Unsolicited Ratings)
- Commercial Bank of Kuwait
- AMP Bank Ltd.
- Security Capital Group Inc.
- KBC Bank N.V.
- UBS AG
- Permanent TSB PLC
- Erste Group Bank AG
- China Development Industrial Bank
- BHW Bausparkasse AG Hameln
- Deutsche Genossenschafts-Hypothekenbank AG
- Banco Patagonia S.A.
- Landeskreditbank Baden-Wuerttemberg - Foerderbank (L-Bank)
- Deutsche Apotheker- und Aerztebank eG
- Powszechna Kasa Oszczednosci Bank Polski S.A.
- Kredyt Bank S.A. (Unsolicited Ratings)
- Landesbank Baden-Wuerttemberg
- Woori Bank
- Banque Misr
- Banque Centrale Populaire
- Banque Marocaine du Commerce Exterieur (Unsolicited Ratings)
- Qatar National Bank ALAHLI S.A.E (Unsolicited Ratings)
- Mediobanca SpA
- Shinkin Central Bank
- Fremont Investment & Loan
- Cedyna Financial Corp.
- Daiwa Securities Capital Markets Co. Ltd.
- BankMuscat S.A.O.G.
- Banca Fideuram
- SLM Corp.
- Santander Bank, N.A.
- NIS Group Co. Ltd.
- Standard Life Bank PLC
- Volkswagen Bank GmbH
- FirstRand Bank Ltd.
- Nova Kreditna Banka Maribor d.d. (Unsolicited Ratings)
- TD AMERITRADE Holding Corp.
- Burgan Bank
- Associated Banc Corp.
- SNS Bank N.V.
- SMBC Consumer Finance Co. Ltd.
- Deutsche Bank Trust Corp.
- Downey S&L Assn.
- Fremont General Corp.
- Leucadia National Corp.
- UMB Financial Corp.
- Australia and New Zealand Banking Group Ltd.
- General Electric Capital Services Inc.
- HSBC Bank USA N.A.
- Norddeutsche Landesbank Girozentrale (Unsolicited Ratings)
- State Street Bank and Trust Co., Boston, MA
- Synovus Bank
- Compass Bank
- Fifth Third Bancorp
- BB&T Corp.
- Norinchukin Bank
- Credit Industriel et Commercial
- National Bank of Canada
- Rabobank Australia Ltd.
- Federal Home Loan Bank of San Francisco
- Federal Home Loan Bank of New York
- Federal Home Loan Bank of Seattle
- Federal Home Loan Bank of Topeka
- Federal Home Loan Bank of Pittsburgh
- M&I Marshall & Ilsley Bank
- FCE Bank PLC
- Banque Federale des Banques Populaires
- Mitsubishi UFJ Trust and Banking Corp.
- DBS Bank Ltd.
- Old National Bancorp (Unsolicited Ratings)
- RBC Centura Bank
- Edison Funding Co.
- Countrywide Financial Corp.
- HSBC Holdings Luxembourg S.A.
- Wheels Inc.
- HSBC Bank Canada
- Arcadia Financial Ltd.
- Visa International Service Assn.
- DekaBank Deutsche Girozentrale
- Compagnie Financiere du Credit Mutuel
- Options Clearing Corp.
- SunCorp Corporate Credit Union
- Eastern Corporate Federal Credit Union
- CITIC Group Corp.
- Suncorp-Metway Ltd.
- Esanda Finance Corp. Ltd.
- Citigroup Global Markets Holdings Inc.
- Thornburg Mortgage Inc.
- People's United Bank
- HSBC Bank Australia Ltd.
- Adelaide Bank Ltd.
- Foothill Capital Corp.
- CBFC Ltd.
- OMX AB
- Bank of N.T. Butterfield & Son Ltd.
- Helaba Dublin Landesbank Hessen-Thueringen International
- Susquehanna Bancshares Inc.
- Bangkok Bank Public Co. Ltd.
- KASIKORNBANK PCL
- New York Mercantile Exchange Inc.
- J.P. Morgan Clearing Corp.
- Volkswagen Financial Services AG
- Capital Desjardins Inc.
- Credit Foncier et Communal d'Alsace et de Lorraine-Banque
- Metropolitan Bank & Trust Co. (Unsolicited Ratings)
- Philippine National Bank
- Rizal Commercial Banking Corp.
- Turkiye Is Bankasi AS
- Turkiye Vakiflar Bankasi TAO
- Bank Leumi le-Israel B.M.
- Israel Discount Bank Ltd.
- Bank Hapoalim B.M.
- Corporate One Federal Credit Union
- Valley National Bancorp
- Banco de Credito del Peru
- Absa Bank Ltd. (Unsolicited Ratings)
- Tatra Banka
- Federal Reserve System (Unsolicited Ratings)
- Caja de Ahorros del Mediterraneo
- Banco Pastor, S.A.
- OCWEN Financial Corp.
- Wachovia Mortgage FSB
- Landshypotek Bank AB
- Astoria Federal Savings & Loan
- Astoria Financial Corp.
- First Commercial Bank Ltd.
- Slovenska Sporitelna A.S. (Unsolicited Ratings)
- Wuestenrot & Wuerttembergische AG
- Itau Unibanco Holding S.A.
- Aiful Corp.
- ACOM Co. Ltd.
- Nordea Hypotek AB
- Yuanta Commercial Bank
- Medical Securities Ltd.
- Ageas SA/NV
- Ageas N.V.
- Wide Bay Australia Ltd.
- BlackRock Inc.
- LaBranche & Co Inc.
- Irish Bank Resolution Corporation Limited
- Groupama Banque
- ING Bank Mexico S.A.
- iStar Financial Inc.
- Piraeus Bank S.A.
- Oberoesterreichische Landesbank AG
- KBC Group N.V.
- Bank for Foreign Trade of Vietnam
- United Bulgarian Bank AD
- Iccrea BancaImpresa SpA
- Land Bank of Taiwan
- Sky Bank
- Chuo Mitsui Trust & Banking Co. Ltd.
- Power Corp. of Canada
- Municipal Bank A.D.
- Hypothekenbank Frankfurt International S.A.
- Hypo Pfandbrief Bank International S.A.
- Nelnet Inc.
- E*TRADE Financial Corp.
- E*TRADE Bank
- Hipotecaria Su Casita S.A. de C.V. SOFOM E.N.R.
- Aargauische Kantonalbank
- JSC AsiaCredit Bank
- Euroclear Bank S.A.
- Millennium Partners L.P.
- Commercial Bank Petrocommerce OJSC
- Waddell & Reed Financial Inc.
- BANA Holding Corp
- Achmea Hypotheekbank N.V.
- JPMorgan Securities Japan Co. Ltd.
- Iccrea Banca SpA
- International Industrial Bank
- Bank SinoPac
- Nordea Bank AB
- LBBW Dublin Management GmbH
- Santander BanCorp.
- Banque Cantonale Vaudoise
- Discover Financial Services Inc.
- American Capital Ltd.
- Laurentian Bank of Canada
- Banco do Brasil S.A
- The Depository Trust Company
- National Securities Clearing Corporation
- Mercantile Investment Trust PLC (The)
- National Commercial Bank Jamaica Ltd.
- Yapi ve Kredi Bankasi A.S.
- Morgan Stanley Bank N.A.
- HSBC Private Banking Holdings (Suisse) S.A.
- Sumitomo Mitsui Banking Corp.
- Norddeutsche Landesbank Luxembourg S.A. (Unsolicited Ratings)
- Jyske Bank A/S
- Central 1 Credit Union
- Dundee Corporation
- AgFirst Farm Credit Bank
- The Bank of New York Mellon (Luxembourg) S.A.
- Standard Chartered PLC
- Schwyzer Kantonalbank
- Migros Bank
- Banca di Bologna
- IBG LLC
- First Corporate Credit Union
- First Citizens Bank Ltd.
- UniCredit Leasing SpA
- HBOS PLC
- Nomura Holdings Inc.
- Basler Kantonalbank
- Citigroup Overseas Holdings Inc.
- Ulster Bank Ireland Ltd.
- Dubai Islamic Bank
- Credomatic International Corp.
- Bank of North Georgia
- Compagnie Europeenne de Garanties et Cautions
- BAC Bahamas Bank
- Basellandschaftliche Kantonalbank
- Shinhan Card Co. Ltd.
- Kiwibank Ltd.
- MDM Bank (pre-merger)
- Bank of China (Hong Kong) Ltd.
- Nurbank JSC
- Fubon Financial Holding Co. Ltd.
- Hyundai Capital Services Inc.
- TD Bank N.A.
- Surgutneftegasbank
- UDC Finance Ltd.
- Mizuho Bank Ltd.(Old)
- Deutsche Postbank AG
- TSB Bank Ltd.
- Trustmark Corp.
- Unicredit Luxembourg S.A.
- Discount Bank Latin America S.A.
- Chittenden Corp
- Cathay Financial Holding Co. Ltd.
- China Development Financial Holding Corp.
- Caisse de depot et placement du Quebec
- Bank of America Merrill Lynch International Limited
- TransCreditBank
- Graubuendner Kantonalbank
- Gulf Bank
- Lloyds Banking Group PLC
- Russian Standard Bank JSC
- Banco Bilbao Vizcaya Argentaria Puerto Rico
- Luzerner Kantonalbank
- F. van Lanschot Bankiers N.V.
- International Bank of Saint-Petersburg
- Canadian Derivatives Clearing Corp.
- UBS Ltd.
- Confederacion Espanola de Cajas de Ahorros
- NTT Finance Corp.
- Banque Accord
- Mitsubishi UFJ Financial Group Inc.
- Hana Bank
- Caja de Ahorros de Valencia, Castellon y Alicante
- Greater Building Society Ltd.
- Nacional Monte de Piedad I.A.P.
- St.George Bank New Zealand Ltd.
- Sumitomo Mitsui Banking Corp. Europe Ltd.
- Capmark Financial Group Inc.
- Barclays Private Clients International Ltd.
- Santander Consumer Finance S.A.
- Gazprombank
- Mizuho Financial Group Inc.
- Instituto Para La Proteccion al Ahorro Bancario
- Bank Soyuz
- Tsesna Bank
- Iccrea Holding SpA
- Societe Generale Bank & Trust
- Cooperativa Del Personal de La Universidad de Chile Ltda-Coopeuch Ltda
- First Midwest Bancorp Inc.
- Vision Banco S.A.E.C.A.
- Wing Hang Bank Ltd. (Unsolicited Ratings)
- Sumitomo Mitsui Financial Group Inc.
- SVB Financial Group
- Credito Trevigiano Banca di Credito Cooperativo
- Banca Padovana Credito Cooperativo S.C.
- OFG Bancorp
- Rusfinance Bank
- Al Ahli Bank of Kuwait
- Argenta Spaarbank N.V.
- Newcastle Permanent Building Society Ltd.
- Republic Bank Ltd.
- Trust & Custody Services Bank Ltd.
- ACE Cash Express Inc.
- Banco Espirito Santo de Investimento S.A.
- Countrywide Bank FSB
- Promsvyazbank OJSC
- Magyar Takarekszovetkezeti Bank ZRt.
- Banca Akros SpA
- CentroCredit Bank JSC
- Eurofidi Scpa
- AIB Group (U.K.) PLC
- BTA Ipoteka Mortgage Co.
- Banco Security
- Rural Bank Ltd.
- Local Government Financial Services Pty Ltd.
- GSCP (NJ) L.P.
- Qatar National Bank
- Fixed Income Clearing Corp.
- Banque Cantonale de Geneve
- Banco Santander Totta S.A.
- CMP-Banque
- Clydesdale Bank PLC
- Manulife Bank of Canada
- Alliance Bank JSC
- GFNZ Group Ltd.
- Home Building Society Ltd.
- JSC Eurasian Bank
- Barclays Bank Ireland PLC
- Banca Aletti & C. SpA
- Morgan Stanley Bank International Ltd.
- VP Bank Verwaltungs- und Privat-Bank AG
- The International Banking Corp.
- AXA Bank Europe S.A.
- Home Capital Group Inc.
- Deutsche Bausparkasse Badenia AG
- Saxon Capital Inc.
- LPL Holdings Inc.
- Deutsche Securities Inc.
- BMI Bank B.S.C.
- Public Sector Pension Investment Board
- Storebrand Bank ASA
- Banque Saudi Fransi
- Glitnir Bank
- Rail Leasing
- Investment Company Veles Capital LLC
- CME Group Inc.
- Westpac Europe Ltd.
- The Commercial Bank of Qatar
- The Saudi Investment Bank
- Gulf Finance House
- National Wealth Management Holdings Ltd.
- Banco Pine S.A.
- SOTSGORBANK
- PJSC KREDOBANK
- Arcapita Bank
- Bank of Georgia
- HSBC Bank A.S.
- Sharjah Islamic Bank
- BNP Paribas Personal Finance EAD
- Fiji Development Bank
- Westpac New Zealand Ltd.
- Peach Holdings Inc.
- Banco Industrial e Comercial S.A.
- Banca Mifel S.A.
- Temirbank JSC
- Guaranty Trust Bank PLC
- KazInvestBank
- South Canterbury Finance Ltd.
- Primus Guaranty Ltd.
- GP Investments Ltd.
- Arab Bank PLC (Dubai)
- Europe Arab Bank PLC
- Arab Bank PLC (Bahrain)
- Arab Bank PLC (Qatar)
- Arab Bank PLC
- First Bank of Nigeria PLC
- Banque Jacob Safra (Suisse) S.A.
- Marfin Popular Bank Public Co. Ltd.
- Standard Chartered Bank (China) Ltd.
- Euronet Worldwide Inc.
- Broadridge Financial Solutions Inc.
- CapitalSource Inc.
- LCH.Clearnet Group Ltd.
- AKTIVBANK AG
- Krayinvestbank
- Asset Acceptance Capital Corp.
- Hang Seng Bank (China) Limited
- MF Global Holdings Ltd.
- Deerfield Triarc Capital Corp.
- Equitable Mortgages Ltd.
- AB Ukio Bankas
- Intercontinental Bank PLC
- Mizuho Bank (China) Ltd.
- Barclays PLC
- Banca Nazionale del Lavoro SpA
- Banca IMI SpA
- CommBank Europe Ltd.
- Bayerische Landesbodenkreditanstalt
- Doha Bank Q.S.C.
- The Bank of East Asia (China) Limited
- Marshall & Ilsley Corp.
- Zenith Bank PLC
- Babcock & Brown International Pty Ltd.
- HDFC Bank Ltd.
- ORDA Credit
- Angas Securities Ltd.
- Syndicate Bank
- mecu Ltd.
- Cassa di Risparmio in Bologna SpA
- Volkswagen Finans Sverige AB
- Erste Europaeische Pfandbrief- und Kommunalkreditbank AG
- Affiliated Managers Group Inc.
- Findomestic Banca SpA
- IGM Financial Inc.
- Lantbrukskredit AB
- Neuberger Berman Inc.
- Janus Capital Group Inc.
- Renaissance Capital Holdings Ltd.
- Sony Bank Inc.
- Cassa di Risparmio di Cento SpA
- Rabobank New Zealand Ltd.
- Nuveen Investments Inc.
- ATF Bank
- Greater Bay Bancorp
- Centro Leasing Banca SpA
- New York Community Bancorp Inc.
- New York Community Bank
- CTBC Financial Holding Co. Ltd.
- Asigna Compensacion y Liquidacion
- Banco Internacional de Costa Rica S.A.
- HSH Nordbank AG
- Bank of Khanty-Mansiysk (JSC)
- Istituto per il Credito Sportivo
- Raymond James Financial Inc.
- EAA Covered Bond Bank Public Ltd Co.
- IMB Ltd.
- European Trust Bank
- UniCredit Corporate Banking SpA
- CITIC International Financial Holdings Ltd. (Unsolicited Ratings)
- Crediveneto Credito Cooperativo SCRL
- Ural Bank for Reconstruction and Development
- Rosbank OJSC JSCB
- Icahn Enterprises L.P.
- First Financial Holding Co. Ltd.
- MoneyGram International
- Macquarie International Finance Ltd.
- E-L Financial Corp. Ltd.
- Kuwait Finance House
- Corpbanca S.A.
- Asociacion de Empleados del Estado Libre Asociado de Puerto Rico
- Kreissparkasse Miesbach-Tegernsee
- ShinGinko Tokyo Ltd.
- Suhyup Bank
- Triad Financial Corp.
- HSBC Private Bank (Monaco) S.A.
- DriveTime Automotive Group Inc.
- Challenger Ltd.
- Euronext N.V.
- Cassa di Risparmio della Provincia di Teramo SpA
- Bank of South Pacific Ltd.
- National Factoring Co.
- J.G. Wentworth LLC
- Coface Finanz GmbH
- Banco BAC de Panama, S.A.
- Shamil Bank of Bahrain
- Banco G & T Continental S.A.
- Chrysler Financial Services Americas LLC
- F&C Asset Management PLC
- RBC Investor Services Ltd.
- Hyundai Card Co. Ltd.
- Arab Bank PLC (Cyprus)
- OMFinancial Ltd.
- Bankas Snoras
- Allianz Banque
- Banco IBI S.A. - Banco Multiplo
- Citibank Japan Ltd.
- Marsico Parent Holdco LLC
- UBS Commodities Canada Ltd.
- RAC Finance Ltd.
- Nadra Bank
- Co-operative Bank (The)

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