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Banking Methodologies

A.M. Best will periodically provide its analytical views on risk issues and the financial strength of U.S. banks. Analytical methodologies will also be published for specialized banking operations and sectors within the banking industry. Additionally, A.M. Best will develop analytics on regional banking markets in the United States in order to incorporate local economic and regulatory factors in its assessment of banks.

  • A.M. Best's Rating Methodology for Banks (February 27, 2007) - The bank rating methodology outlines the principles and analytical criteria underpinning A.M. Best's rating opinion on a bank, its parent holding company and other affiliated banking entities as may be necessary as part of A.M. Best's ratings on a banking group.

  • Analyzing Finance Companies (June 3, 2005) - The analytical framework for assessing finance companies highlights special issues particular to the finance industry, according to A.M. Best Co.'s latest rating methodology, Analyzing Finance Companies.

  • Analyzing Commercial Banking Operations (March 28, 2005) - Globally, increasing numbers of banks and insurers have expanded operations into each other's industry. Based on this growing trend, A.M. Best Co. has released a methodology for evaluating the financial health of the banking operations of insurance-related enterprises.

Bank Rating Definitions