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Financial rating is an evaluation of the financial solvency of a company, a state, or a financial instrument.
It is conducted by rating agencies, which assign a grade to the evaluated entity based on its ability to repay debts and its financial stability.
Financial ratings are typically expressed using letters or symbols such as AAA, AA+, A-, B, etc. Higher ratings are considered more stable and safer, while lower ratings indicate a higher risk of default or bankruptcy.
Financial Rating
Extra-Financial Rating
AMQR Rating
Financial Rating
Bank Rating
The mission of bank rating is a financial evaluation aimed at assessing the financial stability of a bank, including its overall and intrinsic capacity to meet its financial commitments. This rating evaluates the robustness and resilience of the institution. Adapted to all types of banks (retail banks, corporate banks, development banks, etc.), bank ratings provide an essential communication and valuation tool for the bank's entire economic and financial ecosystem, including shareholders, clients, and lenders.
Leasing Rating
Due to the reliance of leasing institutions on debt and external resource collection, financial rating is crucial for market confidence in the issuer, ensuring continuity of operations under the best conditions. The rating helps monitor financial commitments' sustainability, alerting on risks related to funding costs and their adequacy to market product deployment parameters.
Insurance Rating
The mission of financial quality rating for insurance and reinsurance companies aims to evaluate and support the technical and financial fundamentals of their governance. This involves assessing two main pillars of their activity: technical risk management and intermediation, and investment and liquidity management. The rating reinforces trust, crucial for success, among insurers, reinsurers, and stakeholders, highlighting the entity's strength and ability to protect and manage partner risks.
Microfinance Rating
Microfinance serves as an effective tool for promoting financial inclusion, but its efficiency requires consolidation in financial and managerial capacities. Microfinance institution rating aims to provide a comprehensive diagnosis of all solidity and financial performance parameters, enhancing risk evaluation mechanisms, debt management processes, and cash flow and funding procedures. The rating helps solidify and enhance the financial quality of the institution, improving its appeal for equity and debt mobilization, and financial and extra-financial partnerships.
Local Authorities Rating
In many countries, local governance entities like municipalities, regions, governorates, or provinces play increasingly significant roles in economic development based on their legal prerogatives. Local governance ratings enable comprehensive financial management diagnostics tailored to these entities' roles and constraints. This involves analyzing governance and organizational procedures, budget flexibility and performance, treasury conditions, access to funding, resilience to risks, debt, and financial solvency. Additionally, ratings provide local governance structures with a communication and valuation tool that reflects their financial viability and quality.
Corporate Rating
Corporate rating missions are carried out by PBR Rating for industrial and service sector companies, both public and private. Corporate ratings enable issuers to signal financial quality to markets, lenders, and partners, especially during critical financing phases. Ratings reassure external stakeholders, improve financing conditions, and strengthen shareholder and management confidence in the entity's strategic choices, cash flow, risk resilience, funding mix adequacy, and debt capacity.
Extra-Financial Rating
Financial management, along with the concept of quality and economic solvency, relies on quantitative financial criteria and increasingly important non-financial aspects in managers' minds and in the company's quality perception by its environment.
Thus, extra-financial ratings have emerged over the years as evaluation, monitoring, and valuation tools for non-financial parameters of strategic importance to companies.
These ratings highlight companies' adaptation to new market challenges.
In this context, PBR Rating's ESG rating implements a comprehensive framework to measure and expose companies' ESG impacts. This strategic tool strengthens corporate governance and establishes competitive advantages in operational efficiency, marketing leverage, and financing attractiveness.
AMQR Rating
The Asset Management Quality Rating (AMQR) mission evaluates the financial and organizational quality of asset management, appreciating the performance of financial assets managed or to be managed by a specialized structure.
This mission provides beneficiaries with diagnostics and insights to improve investment activities and value creation. It delivers a financial quality rating to showcase technical and managerial capacities in investment and asset management within the economic and financial environment.
Business Intelligence
PBR Rating aims to enhance financial information quality through economic intelligence services, including data analysis and strategic information collection.
These services provide accurate insights and analyses to business leaders, enabling informed decisions, growth opportunities identification, and risk management.
Macroeconomic Analysis and Sector Mapping
PBR Rating's macroeconomic analyses evaluate and model economic and financial performance and vulnerability factors of a country, including value creation, external dependency indexes, public finances, and external relations. Sector mappings based on performance and risk indexes help corporate managers pilot strategies, asset managers consolidate investments, and financial institutions manage commercial approaches and counterparty risks.
Specific Risk Management
The rating agency offers macroeconomic and sectoral data that help organizations identify, measure, and address risks. PBR Rating implements sector-specific diagnostic and risk treatment solutions tailored to each sector and economic entity.
Investment and Asset Management
Investors and asset managers benefit from PBR Rating's studies and solutions, gaining tools to optimize resource allocation, identify development opportunities, and prepare exits.