APPLICATIONS

Ethics Metrics DIHC Ratings provide:

Prompt detection of financial and legal risks on safety and soundness for DIHCs:

  • Governance Oversight
    • Safety & Soundness
    • Governance Risks, Breach of Fiduciary Duty, Audit Risk
    • Operational Risk Management
      • Legal risks, internal fraud, external fraud
    • FRB and SEC Regulations
  • Credit Terms for Non Core Borrowings
  • Counter-Party Risks With Other Covered Banks (Regulation F)
  • Equity Investments in Other Banks
  • Analysis of Fraud, Danger of Default, Systemic Risk, Tail Risk (last 5 years)
  • Investor Relations
    • Independent Party Opinion of Performance, Compliance and Credit Rating
    • Ranking and Equity Valuation Among Peers
  • D&O Insurance
  • Merger and Acquisition Intelligence

Prompt detection of financial and legal risks on safety and soundness for investors:

  • Independent Party Opinion of Bank
    • Performance
    • Compliance
    • Disclosures
    • Credit Rating
  • Ranking based on Equity Values At Risk
  • Analysis of Fraud, Danger of Default, Systemic Risk, Tail Risk (last 5 years)
  • Awareness of potential material omissions of FEAs that can qualify as an event of default in credit and fixed income agreements, triggering SEC disclosure obligations and potentially the liquidity clause in danger of default and systemic risk as defined in 12 USC § 5383(b) and 12 USC § 5383(c)(4)
  • Bank Governance insights for ESG investors
    • Safety & Soundness
    • Governance Risks, Breach of Fiduciary Duty, Audit Risk
    • Operational Risk Management
      • Legal risks, internal fraud, external fraud
    • FRB and SEC Regulations

Time period:

Latest 20 quarters of reported data for trend analysis and covering the 5-year federal statute of limitations for securities fraud and related tail risk.

Coverage:

DIHC Ratings Reports are immediately available for 95 DIHCs with assets above $10B that own approximately 80% of the $15 trillion in total IDI assets in the U.S. banking industry, as of 12/31/2015. Reports for DIHCs with assets above $1 billion are available on special request.