ARCHIVE | Criteria | Financial Institutions | Banks: Assumptions For Credit Stress Testing German Banks Aug 09

Standard & Poors, August 2009

Abstract
1. Standard & Poor's Ratings Services is refining and adapting its assumptions for credit stress testing German banks. We are publishing this article to help market participants better understand our approach to credit loss assumptions in analyzing and stress testing German 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 "Determining Credit Loss Assumptions For German Banks," published Aug. 21, 2009. 2. We are making and applying these assumptions in accordance with our methodology for stress-testing outlined in "Credit Stress Testing For Financial Institutions," published on April 29, 2009. 3. We expect no rating changes as a result of the application of...

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.

- Deutsche Bank AG
- Landesbank Hessen-Thueringen Girozentrale
- Norddeutsche Landesbank Girozentrale (Unsolicited Ratings)
- Portigon AG (Unsolicited Ratings)
- Bayerische Landesbank
- Commerzbank AG
- DekaBank Deutsche Girozentrale
- DZ BANK AG Deutsche Zentral-Genossenschaftsbank
- Deutsche Pfandbriefbank AG
- UniCredit Bank AG
- BHW Bausparkasse AG Hameln
- Deutsche Genossenschafts-Hypothekenbank AG
- Deutsche Apotheker- und Aerztebank eG
- Landesbank Baden-Wuerttemberg
- WL BANK AG Westfaelische Landschaft Bodenkreditbank
- DVB Bank SE
- Deutsche Postbank AG
- Hypothekenbank Frankfurt AG
- Westdeutsche ImmobilienBank
- Deutsche Bausparkasse Badenia AG

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