RATING and the new approach EMPRESAS-BANCA from January 1-2008, gets underway new financial institutions RATING rating companies.(although partially or more timid he was already starting to settle by different entities) Something that was reserved for large companies, is now institutionalized for all. I.e. all have, at least, an internal rating of each Bank and box, indicative of our quality of risk as a company. This qualification allows or not, access to volumes of risk, and prices more expensive or cheaper, as we are more bad or more good up to now came, some SMEs, offering to the market, perhaps a tax face that was far from reality sometimes, and this, which until now could be even advisable, now with this new perspective puts us batteries to refocus our strategy of financial to offer the market image, (although for many this market, may be (only financial entities) the Rating is the classification of the quality of risk posed by objective signs company. Basel II, pursued with this tool, prevent losses for non-payment of banking, as well as strengthen the financial system, providing tools perhaps much more generalized scoring that until now were. Walk more or less, provided by Basel II, are: homogenisation of data integration of diversity of information computerization of decisions less time on decision and more on tracking that data will handle banking to classify me? classification seems it will be subjective for each entity, but base concepts shall be always the same, and among them we can observe: Numbers and history history (with the Bancos-Acreedores, etc) and directly with the entity volumes of business and profit, evolution of the same volumes of assets borrowing short and long caveats in the Audit Ratios solvency, liquidity funds own structure of debt people managers, and experience… Changes? Current shareholding changes?.
Family business or independent management Capital relational product and market Local, national, international Sector, seniority, productivity degree of internationalization other Plan continuity of business risks environmental CSR novelty is that according to the quality of the loan portfolio, i.e. the Rating of the borrower more kind of provided guarantees, most affected will be the required receivables by banks used financing price. Especially prompted risk transparency is that it doubts the good end, and due to lack of information, or confusing information = inability to decide about the quality of risk not carried out the risk assessment, it will affect the capacity of indebtedness with banks and enterprises at the price Set differential = 2% 1.2% = 0.8% RAROC = adjusted differential / CR = 0.8% 12% = 6% if we compare this RAROC with the cost of the resources of the financial institution, if it is above would be correct, and if it is below do not.