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ARCHIVE | Criteria | Financial Institutions | Banks: Assumptions For Credit Stress Testing U.K. Banks Aug 09
Standard & Poors, Aug 2009
Abstract
1. Standard & Poor's Ratings Services is refining and adapting its assumptions for credit stress testing U.K. banks' loan books. We are publishing this article to help market participants better understand our approach to reviewing credit stress testing of U.K. banks. This article is related to our criteria article 'Credit Stress Testing For Financial Institutions,' which we published on April 29, 2009, and is also related to 'Standard & Poor's Determines Credit Loss Assumptions For The U.K. Domestic Loan Book,' published today. 2. Standard & Poor's is updating its criteria for credit stress testing U.K. banks to clarify several areas. The clarification focuses on: Helping market participants better understand our approach to reviewing stress testing and scenario analysis for financial...
Companies mentioned in this report are: Royal Bank of Scotland Group PLC (The),Lloyds Banking Group PLC
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 underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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