We undertake full and comprehensive assessments of a wide range of credit factors and provide real-time monitoring and analysis of appropriate indicators. We have licence agreements in place with the primary rating agencies to distribute ratings, but our bespoke service is much more than a simplistic information alert system, we form views and issue specific, timely advice to each client.
Alongside macroeconomic, money market, fixed income and derivative market leading indicators, we undertake extensive research on the risk of unsecured deposits being ‘bailed-in’. Crucially, we also apply a subjective overlay to all our advice, if it does not look or feel right, exposure is withdrawn, not simply reduced.
Although opinion on financial institutions remains a major part of our service, our advice goes beyond this to cover sovereigns, sub-sovereign agencies, registered providers of social housing, corporates and local authorities, as well as in-depth assessment of individual investments such as covered bonds.