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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
- Deutsche Bank Trust Corp.
- 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.
- Leucadia National Corp.
- HSBC USA 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
- UMB Financial Corp.
- U.S. Trust Co. of New York
- Zions Bancorporation
- The Royal Bank of Scotland N.V.
- Australia and New Zealand Banking Group Ltd.
- 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.
- HSBC Bank USA N.A.
- Norddeutsche Landesbank Girozentrale (Unsolicited Ratings)
- 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
- Synovus Bank
- Compass Bank
- 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
- KeyCorp
- Norinchukin Bank
- Daiwa Securities Group Inc.
- Bank of Ireland
- Commerzbank AG
- Nomura Securities Co. Ltd.
- Korea Exchange Bank
- Credit Industriel et Commercial
- BNY Mellon N.A.
- Pohjola Bank PLC
- National Bank of Canada
- Rabobank Australia Ltd.
- Lloyds Bank PLC
- Caisse centrale Desjardins
- Svenska Handelsbanken AB
- Morgan Stanley
- M&I Marshall & Ilsley Bank
- Gulf International Bank B.S.C.
- First-Citizens Bank & Trust Co.
- Banque Federale des Banques Populaires
- Federal Home Loan Bank of Boston
- Mitsubishi UFJ Trust and Banking Corp.
- Federal Home Loan Bank of Des Moines
- Royal Trust Corp. of Canada
- National Bank of Kuwait S.A.K.
- UniCredit SpA
- DBS Bank Ltd.
- 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
- Old National Bancorp (Unsolicited Ratings)
- BancorpSouth Bank
- Rabohypotheekbank N.V.
- Countrywide Financial Corp.
- Federal Home Loan Bank of Cincinnati
- Dexia Credit Local
- 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.
- HSBC Holdings Luxembourg 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
- Credit Suisse Group AG
- Credit Suisse Holdings (USA) Inc.
- Britannia Building Society
- MUFG Americas Holdings Corporation
- Discover Bank
- HSBC Bank Canada
- ING Bank N.V.
- Credit Suisse International
- Yorkshire Building Society
- NRAM 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
- Arcadia Financial Ltd.
- Visa International Service Assn.
- Credit du Nord S.A.
- Santander Holdings U.S.A Inc.
- Caisses d'Epargne Participations
- Doral Financial Corp.
- HSBC Holdings PLC
- DekaBank Deutsche Girozentrale
- 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
- Banque Martin Maurel
- Caisse Centrale du Credit Mutuel
- Compagnie Financiere 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.
- CITIC Group Corp.
- Takefuji Corp.
- Suncorp-Metway Ltd.
- FCE Bank PLC
- Credipar
- Bank of China Ltd.
- People's United Bank
- Banco de Credito Local de Espana S.A.
- T.C. Ziraat Bankasi A.S.
- Bank of Queensland Ltd.
- HSBC Bank Australia Ltd.
- Adelaide Bank Ltd.
- Eaton Vance Corp.
- ASB Bank Ltd.
- St.George Bank Ltd.
- Locindus S.A.
- Foothill Capital Corp.
- Ulster Bank Ltd.
- ING Bank (Australia) Ltd.
- ANZ Bank New Zealand Ltd.
- OMX AB
- Schroders PLC
- Bank of N.T. Butterfield & Son Ltd.
- Turkiye Garanti Bankasi A.S.
- Caisse Centrale du Credit Immobilier de France
- Compagnie Monegasque de Banque SAM
- HSBC Private Bank (Suisse) S.A.
- Helaba Dublin Landesbank Hessen-Thueringen International
- Capital One Financial Corp.
- Corporate Central Credit Union
- Washington Mutual, Inc.
- FirstBank Puerto Rico
- Intesa Sanpaolo SpA
- Bangkok Bank Public Co. Ltd.
- KASIKORNBANK PCL
- FirstMerit Corp.
- S&T Bank
- Downey Financial Corp.
- Morgan Stanley Bank AG
- New York Mercantile Exchange Inc.
- J.P. Morgan Clearing Corp.
- Sanyo Shinpan Finance Co. Ltd.
- Credit Foncier et Communal d'Alsace et de Lorraine-Banque
- 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.
- Kookmin Bank
- Metropolitan Bank & Trust Co. (Unsolicited Ratings)
- Philippine National Bank
- Rizal Commercial Banking Corp.
- 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.
- Turkiye Is Bankasi AS
- Turkiye Vakiflar Bankasi TAO
- Bank Handlowy w Warszawie S.A. (Unsolicited Ratings)
- Corporate One Federal Credit Union
- 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.
- OCWEN Financial Corp.
- Industrial Bank of Korea
- DZ BANK AG Deutsche Zentral-Genossenschaftsbank
- Landshypotek Bank AB
- Astoria Bank
- Astoria Financial Corp.
- Dollar Financial Group Inc.
- First Commercial Bank Ltd.
- LGT Bank AG
- Slovenska Sporitelna A.S. (Unsolicited Ratings)
- 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.
- Capital One N.A.
- BBVA Banco Continental
- Banca Popolare di Milano SCRL
- Hypothekenbank in Essen AG
- Downey S&L Assn.
- Fremont General Corp.
- Merrill Lynch & Co. Inc.
- First Tennessee Bank N.A. Memphis
- General Electric Capital Services Inc.
- State Street Bank and Trust Co., Boston, MA
- Manufacturers & Traders Trust Co.
- Fifth Third Bancorp
- BB&T Corp.
- SunTrust Banks Inc.
- 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
- Lehman Brothers Holdings Inc.
- Legg Mason Inc.
- First National Bank of Omaha
- RBC Centura Bank
- Southwest Corporate Federal Credit Union
- Edison Funding Co.
- Wheels Inc.
- TCF National Bank
- Nomura Bank International PLC
- Ellco Leasing Corp.
- Nationwide Building Society
- Cofidis S.A.
- Options Clearing Corp.
- SunCorp Corporate Credit Union
- Eastern Corporate Federal Credit Union
- Esanda Finance Corp. Ltd.
- Citigroup Global Markets Holdings Inc.
- CBFC Ltd.
- Susquehanna Bancshares Inc.
- Franklin Resources Inc.
- Volkswagen Financial Services AG
- Capital Desjardins Inc.
- Stadshypotek AB
- Shinhan Bank
- Bank Leumi le-Israel B.M.
- Israel Discount Bank Ltd.
- Bank Hapoalim B.M.
- 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.
- PT Bank Negara Indonesia (Persero) Tbk.
- Wachovia Mortgage FSB
- Commerzbank Europe (Ireland)
- Cullen/Frost Bankers Inc.
- Wuestenrot & Wuerttembergische AG
- Whitney National Bank
- Aljba Alliance
- Citizens Republic Bancorp Inc.
- Banca Agricola Mantovana SpA
- National Bank of Egypt
- City National Corp.
- Abu Dhabi Commercial Bank
- Kazkommertsbank JSC
- Central-European International Bank Ltd. (Unsolicited Ratings)
- Itau Unibanco Holding S.A.
- Blom Bank sal
- NCT Trust and Banking Corp.
- Allied Capital Corp.
- LNR Property LLC
- 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.
- 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
- BHW Bausparkasse AG Hameln
- Deutsche Genossenschafts-Hypothekenbank AG
- Banco Patagonia S.A.
- ACOM Co. Ltd.
- Landeskreditbank Baden-Wuerttemberg - Foerderbank (L-Bank)
- Deutsche Apotheker- und Aerztebank eG
- Powszechna Kasa Oszczednosci Bank Polski S.A.
- Kredyt Bank S.A. (Unsolicited Ratings)
- Thornburg Mortgage Inc.
- Landesbank Baden-Wuerttemberg
- Banque Misr
- Banque Marocaine du Commerce Exterieur (Unsolicited Ratings)
- Mediobanca SpA
- Nordea Hypotek AB
- Shinkin Central Bank
- Yuanta Commercial Bank
- Fremont Investment & Loan
- Daiwa Securities Capital Markets Co. Ltd.
- Medical Securities Ltd.
- BankMuscat S.A.O.G.
- Banca Fideuram
- Navient Inc.
- Santander Bank, N.A.
- NIS Group Co. Ltd.
- Standard Life Bank PLC
- Volkswagen Bank GmbH
- Ageas SA/NV
- Ageas N.V.
- Wide Bay Australia Ltd.
- BlackRock Inc.
- LaBranche & Co Inc.
- FirstRand Bank Ltd.
- Nova Kreditna Banka Maribor d.d. (Unsolicited Ratings)
- TD AMERITRADE Holding Corp.
- Burgan Bank
- Irish Bank Resolution Corporation Limited
- SNS Bank N.V.
- Groupama Banque
- ING Bank Mexico S.A.
- iStar Financial Inc.
- Piraeus Bank S.A.
- Oberoesterreichische Landesbank AG
- KBC Group N.V.
- Volkswagen Finans Sverige AB
- Bank for Foreign Trade of Vietnam
- United Bulgarian Bank AD
- Iccrea BancaImpresa SpA
- Sky Bank
- Chuo Mitsui Trust & Banking Co. Ltd.
- Municipal Bank A.D.
- Hypothekenbank Frankfurt International S.A.
- Hypo Pfandbrief Bank International S.A.
- Nelnet Inc.
- 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 Bank N.V.
- Erste Europaeische Pfandbrief- und Kommunalkreditbank AG
- JPMorgan Securities Japan Co. Ltd.
- Iccrea Banca SpA
- International Industrial Bank
- Affiliated Managers Group Inc.
- Bank SinoPac
- Nordea Bank AB
- LBBW Dublin Management GmbH
- Santander BanCorp.
- Findomestic Banca SpA
- Banque Cantonale Vaudoise
- Discover Financial Services Inc.
- IGM Financial Inc.
- The Depository Trust Company
- Mercantile Investment Trust PLC (The)
- National Commercial Bank Jamaica Ltd.
- Yapi ve Kredi Bankasi A.S.
- Lantbrukskredit AB
- Morgan Stanley Bank N.A.
- Sumitomo Mitsui Banking Corp.
- Jyske Bank A/S
- Central 1 Credit Union
- Dundee Corporation
- Neuberger Berman Inc.
- AgFirst Farm Credit Bank
- The Bank of New York Mellon (Luxembourg) S.A.
- Standard Chartered PLC
- Schwyzer Kantonalbank
- Migros Bank
- Renaissance Capital Holdings Ltd.
- Banca di Bologna
- IBG LLC
- First Corporate Credit Union
- First Citizens Bank Ltd.
- Sony Bank Inc.
- HBOS PLC
- Cassa di Risparmio di Cento SpA
- Nomura Holdings Inc.
- Basler Kantonalbank
- Citigroup Overseas Holdings Inc.
- Ulster Bank Ireland Ltd.
- Dubai Islamic Bank
- Credomatic International Corp.
- Rabobank New Zealand Ltd.
- Bank of North Georgia
- Compagnie Europeenne de Garanties et Cautions
- BAC Bahamas Bank
- Basellandschaftliche Kantonalbank
- Kiwibank Ltd.
- MDM Bank (pre-merger)
- Bank of China (Hong Kong) Ltd.
- Nurbank JSC
- ATF Bank
- Fubon Financial Holding Co. Ltd.
- Hyundai Capital Services Inc.
- TD Bank N.A.
- Surgutneftegasbank
- Greater Bay Bancorp
- UDC Finance Ltd.
- Mizuho Bank Ltd.(Old)
- Centro Leasing Banca SpA
- Deutsche Postbank AG
- TSB Bank Ltd.
- Banco Santander-Chile S.A.
- Credit Suisse (International) Holding AG
- Halyk Savings Bank of Kazakhstan
- Aiful Corp.
- Master Trust Bank of Japan Ltd.
- Wilmington Trust Corp.
- Arab Tunisian Bank
- Banque de l'Habitat
- China Development Industrial Bank
- Woori Bank
- Banque Centrale Populaire
- Qatar National Bank ALAHLI S.A.E (Unsolicited Ratings)
- Cedyna Financial Corp.
- Associated Banc Corp.
- SMBC Consumer Finance Co. Ltd.
- Cassa di Risparmio in Bologna SpA
- Land Bank of Taiwan
- Power Corp. of Canada
- E*TRADE Financial Corp.
- E*TRADE Bank
- Hipotecaria Su Casita S.A. de C.V. SOFOM E.N.R.
- American Capital Ltd.
- Laurentian Bank of Canada
- Banco do Brasil S.A
- National Securities Clearing Corporation
- HSBC Private Banking Holdings (Suisse) S.A.
- Norddeutsche Landesbank Luxembourg S.A. (Unsolicited Ratings)
- Janus Capital Group Inc.
- UniCredit Leasing SpA
- Nuveen Investments Inc.
- Shinhan Card Co. Ltd.
- New York Community Bancorp Inc.
- 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
- TransCreditBank
- CTBC Financial Holding Co. Ltd.
- 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
- UBS Ltd.
- Confederacion Espanola de Cajas de Ahorros
- NTT Finance Corp.
- Banque Accord
- Mitsubishi UFJ Financial Group Inc.
- Asigna Compensacion y Liquidacion
- Greater Building Society Ltd.
- St.George Bank New Zealand Ltd.
- Sumitomo Mitsui Banking Corp. Europe Ltd.
- Capmark Financial Group Inc.
- Barclays Private Clients International Ltd.
- HSH Nordbank AG
- Santander Consumer Finance S.A.
- Bank of Khanty-Mansiysk (JSC)
- Istituto per il Credito Sportivo
- EAA Covered Bond Bank Public Ltd Co.
- IMB Ltd.
- Gazprombank
- Mizuho Financial Group Inc.
- Bank Soyuz
- Tsesnabank
- Iccrea Holding SpA
- Societe Generale Bank & Trust
- Cooperativa Del Personal de La Universidad de Chile Ltda-Coopeuch Ltda
- Vision Banco S.A.E.C.A.
- UniCredit Corporate Banking SpA
- Wing Hang Bank Ltd. (Unsolicited Ratings)
- Sumitomo Mitsui Financial Group Inc.
- SVB Financial Group
- Credito Trevigiano Banca di Credito Cooperativo
- OFG Bancorp
- Rusfinance Bank
- Rosbank OJSC JSCB
- Argenta Spaarbank N.V.
- Newcastle Permanent Building Society Ltd.
- Republic Bank Ltd.
- ACE Cash Express Inc.
- Banco Espirito Santo de Investimento S.A.
- MoneyGram International
- Countrywide Bank FSB
- Promsvyazbank OJSC
- Magyar Takarekszovetkezeti Bank ZRt.
- Banca Akros SpA
- CentroCredit Bank JSC
- Kuwait Finance House
- AIB Group (U.K.) PLC
- Banco Security
- Rural Bank Ltd.
- Local Government Financial Services Pty Ltd.
- Kreissparkasse Miesbach-Tegernsee
- 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
- Triad Financial Corp.
- GFNZ Group Ltd.
- Home Building Society Ltd.
- DriveTime Automotive Group Inc.
- Barclays Bank Ireland PLC
- Challenger Ltd.
- Banca Aletti & C. SpA
- Morgan Stanley Bank International Ltd.
- VP Bank AG
- The International Banking Corp.
- AXA Bank Europe S.A.
- Home Capital Group Inc.
- Cassa di Risparmio della Provincia di Teramo SpA
- Deutsche Bausparkasse Badenia AG
- Bank of South Pacific Ltd.
- Saxon Capital Inc.
- National Factoring Co.
- Deutsche Securities Inc.
- BMI Bank B.S.C.
- Storebrand Bank ASA
- Banque Saudi Fransi
- J.G. Wentworth LLC
- Rail Leasing
- Westpac Europe Ltd.
- Coface Finanz GmbH
- The Commercial Bank of Qatar
- The Saudi Investment Bank
- National Wealth Management Holdings Ltd.
- Banco BAC de Panama S.A.
- Banco Pine S.A.
- SOTSGORBANK
- PJSC KREDOBANK
- Bank of Georgia
- HSBC Bank A.S.
- Sharjah Islamic Bank
- BNP Paribas Personal Finance EAD
- Fiji Development Bank
- Banco G & T Continental S.A.
- Chrysler Financial Services Americas LLC
- 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.
- Europe Arab Bank PLC
- Arab Bank PLC (Bahrain)
- OMFinancial Ltd.
- First Bank of Nigeria PLC
- Banque Jacob Safra (Suisse) S.A.
- Marfin Popular Bank Public Co. Ltd.
- Bankas Snoras
- Standard Chartered Bank (China) Ltd.
- Euronet Worldwide Inc.
- Broadridge Financial Solutions Inc.
- CapitalSource Inc.
- LCH.Clearnet Group Ltd.
- AKTIVBANK AG
- Asset Acceptance Capital Corp.
- Hang Seng Bank (China) Limited
- Allianz Banque
- MF Global Holdings Ltd.
- Citibank Japan 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
- Marsico Parent Holdco LLC
- Doha Bank Q.S.C.
- The Bank of East Asia (China) Limited
- Zenith Bank PLC
- Babcock & Brown International Pty Ltd.
- Nadra Bank
- mecu Ltd.
- HDFC Bank Ltd.
- ORDA Credit
- Angas Securities Ltd.
- Syndicate Bank
- New York Community Bank
- Bank of America Merrill Lynch International Limited
- Canadian Derivatives Clearing Corp.
- Hana Bank
- Caja de Ahorros de Valencia, Castellon y Alicante
- Nacional Monte de Piedad I.A.P.
- Banco Internacional de Costa Rica S.A.
- Raymond James Financial Inc.
- Instituto Para La Proteccion al Ahorro Bancario
- European Trust Bank
- First Midwest Bancorp Inc.
- CITIC International Financial Holdings Ltd. (Unsolicited Ratings)
- Crediveneto Credito Cooperativo SCRL
- Banca Padovana Credito Cooperativo S.C.
- Al Ahli Bank of Kuwait
- Ural Bank for Reconstruction and Development
- Trust & Custody Services Bank Ltd.
- Icahn Enterprises L.P.
- First Financial Holding Co. Ltd.
- Macquarie International Finance Ltd.
- E-L Financial Corp. Ltd.
- Corpbanca S.A.
- Eurofidi Scpa
- Asociacion de Empleados del Estado Libre Asociado de Puerto Rico
- BTA Ipoteka Mortgage Co.
- ShinGinko Tokyo Ltd.
- Suhyup Bank
- JSC Eurasian Bank
- HSBC Private Bank (Monaco) S.A.
- Euronext N.V.
- LPL Holdings Inc.
- Public Sector Pension Investment Board
- Glitnir Bank
- Investment Company Veles Capital LLC
- CME Group Inc.
- Gulf Finance House
- Shamil Bank of Bahrain
- Arcapita Bank
- Westpac New Zealand Ltd.
- F&C Asset Management PLC
- RBC Investor Services Ltd.
- GP Investments Ltd.
- Hyundai Card Co. Ltd.
- Arab Bank PLC (Cyprus)
- Arab Bank PLC (Dubai)
- Arab Bank PLC (Qatar)
- Arab Bank PLC
- Krayinvestbank
- Banco IBI S.A. - Banco Multiplo
- Marshall & Ilsley Corp.
- UBS Commodities Canada Ltd.
- RAC Finance Ltd.
- Co-operative Bank (The)

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