Financial Institutions
Monetary policy, tech disruption and evolving regulations are forcing financial institutions to take a hard look at their business models. You will find here some insights into how these trends are affecting the credit profile of our broad coverage of banks, asset managers, clearing houses and other non-bank financial institutions.
Financial Inclusion In Emerging And Frontier Markets: Technology Is Delivering For Banks And Societies
Financial inclusion contributes to economic growth, poverty reduction, and societal development, making it a priority for policymakers and relevant to credit rating and risk assessment in sectors such as banks and sovereigns. S&P Global Ratings considers that emerging and frontier markets are poised for a decade of decisive change during which greater financial inclusion could prove to be a key driver of wealth creation and contribute to social stability. New technology, financial innovation, better financial literacy, prudent public policy goals, and improved affordability will be key enablers of financial inclusion, in our view.
Credit FAQ: Making Capital Stretch Further--What Double Leverage Means For Financial Institution Ratings
For some people, it's double counting; for others, a pragmatic and justified capital efficiency. Bank regulations in some jurisdictions offer complex banking groups some key reliefs that ease the regulatory capital requirements related to their investments in subsidiaries. These capitalization reliefs create capital efficiency and improve earnings capacity. They can also give European bancassurers a competitive advantage over pure insurance groups, which face a stricter regulatory approach.
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