Individual Ranking of Banks Standard Ranking (S&P, Fitch etc.) is common ranking practice -but it cannot match all your requirements to a Bank!
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Up  until end of 2007 many banks had the untouchable reputation that there is no doubt about that they are the best experts regarding safety.  If  anybody likes to ask for counterparty risk then it was always the bank who declined a request for funds due to reasons of reliability. But now the  customer should also take this position, it may be even a matter of his existence. Doing business with the wrong bank may lead to total loss of  liquidity. Easier told as done - but how how can one rate his current and/or desired bank?   The one who has the money is right. This anrupt conclusion was in the past (and is mostly still fact) the lived understanding of most heads of  individuals which have the power of dealing with money - and they do it as it would be their own money. That’s obviously the reason for “a golden  key can open any door”.  Plot-wise this money is not their property, they just administer it. In fact they have the same amount as liabilities by  collecting money from other people / organsations. That’s not the same as it is for every corporate outside the banking business. It’s just a transfer  from one person to the other and getting a margin for.  Rating of a Bank  Before you can make a rating it is important to get a customer-supplier view, free of emotions and all the time critical challenged whether the  earned experience is correct resp. whether they are still actual. That’s the reason for the (allowedly little bit provocating) introducing explanations  which should make someone aware of trust in overall simple things.  Example The bank to be rated has good or very good rating at the well known rating agencies Standard & Poors, Moody's or Fitch.  1. Is this rating for a specific bond or really a overall credit-rating?  2. Is the rating for the whole banking organsiation / group or is it just for a part of it, e.g. a single country or segment?  3. How old is the rating? If it is older than a year you should better renounce it.  4. If you buy any product from bank, is it really from you bank and not from another one, rated very much worser? Remind on practical  examples, e.g. Credit Suisse vs. Lehman Brothers? They sold Lehman products, but the customer thought that ge made an investment at  Credit Suisse. In fact, the customer lost everything when Lehman went bankcrupt suddenly over night!  That means, is the rating in fact what you are interested for, i.e. does it belongs to your business? If you don’t have a current and important,  suitable rating, but also for every other rating for fully transparent analysis, you see below a proven  approach to rate your current or future bank.  Under all circumstances you should make your own personal analysis for a current existing rating. As you can see below, such an  analysis can never be substituted by a general one.  Segmentation The result should be a cost-benefit analysis (i.e. two dimensions) which is segregated in general criterias, risk and potential. Ideally, a SWOT  analysis was made before. 
The weighted points are now set in comparison to the total costs. Due to this, a meaningful graphic analyis about the cost-benefits can be made.  regarding a future bank relationship. As an example, the graphs my look like the ones below: 
Íkonomisches Bankenrisiko
Qualitative
Economical 
Kosten-Nutzen Bank
Cost-Benefit
With this analysis you are able now to segregate the  expensive ones with poor performance from the ones  with more competitive prices and better offers. You  can now invite the 2 - 3 best banks for a personal  meeting. The bank will now show clear more respect  and makes more concessions, if you show them from  the beginning that you are interested in a very  professional relationship and that you are able to  manage your business well. Because the bank is your  vendor and you her customer. Same like in your  operational business you rely on one of the very most  important points in a business: CONFIDENCE. 
Contact us, we would be glad to show you the possible opportunities!
Bank Rating Criteria Catalogue
Individual Ranking of Banks Standard Ranking (S&P, Fitch etc.) is common ranking practice -but it cannot match all your requirements to a Bank!
back
Up  until end of 2007 many banks had the untouchable reputation  that there is no doubt about that they are the best experts regarding  safety.  If anybody likes to ask for counterparty risk then it was always  the bank who declined a request for funds due to reasons of  reliability. But now the customer should also take this position, it may  be even a matter of his existence. Doing business with the wrong  bank may lead to total loss of liquidity. Easier told as done - but how  how can one rate his current and/or desired bank? The one who has the money is right. This anrupt conclusion was in  the past (and is mostly still fact) the lived understanding of most  heads of individuals which have the power of dealing with money -  and they do it as it would be their own money. That’s obviously the  reason for “a golden key can open any door”.  Plot-wise this money is  not their property, they just administer it. In fact they have the same  amount as liabilities by collecting money from other people /  organsations. That’s not the same as it is for every corporate outside  the banking business. It’s just a transfer from one person to the other  and getting a margin for. Rating of a Bank Before you can make a rating it is important to get a customer-  supplier view, free of emotions and all the time critical challenged  whether the earned experience is correct resp. whether they are still  actual. That’s the reason for the (allowedly little bit provocating)  introducing explanations which should make someone aware of trust  in overall simple things.  Example  The bank to be rated has good or very good rating at the well known  rating agencies Standard & Poors, Moody's or Fitch. 1. Is this rating for a specific bond or really a overall credit-rating? 2. Is the rating for the whole banking organsiation / group or is it  just for a part of it, e.g. a single country or segment? 3. How old is the rating? If it is older than a year you should better  renounce it. 4. If you buy any product from bank, is it really from you bank and  not from another one, rated very much worser? Remind on  practical examples, e.g. Credit Suisse vs. Lehman Brothers?  They sold Lehman products, but the customer thought that ge  made an investment at Credit Suisse. In fact, the customer lost  everything when Lehman went bankcrupt suddenly over night! That means, is the rating in fact what you are interested for, i.e. does  it belongs to your business? If you don’t have a current and  important, suitable rating, but also for every other rating for fully  transparent analysis, you see below a proven  approach to rate your  current or future bank. Under all circumstances you should make your own personal  analysis for a current existing rating. As you can see below,  such an analysis can never be substituted by a general one. Segmentation The result should be a cost-benefit analysis (i.e. two dimensions)  which is segregated in general criterias, risk and potential. Ideally, a  SWOT analysis was made before.  The weighted points are now set in comparison to the total costs. Due to  this, a meaningful graphic analyis about the cost-benefits can be made.  regarding a future bank relationship. As an example, the graphs my look  like the ones below:  Qualitative Economical  Cost-Benefit With this analysis you are able now to segregate the expensive ones  with poor performance from the ones with more competitive prices  and better offers. You can now invite the 2 - 3 best banks for a  personal meeting. The bank will now show clear more respect and  makes more concessions, if you show them from the beginning that  you are interested in a very professional relationship and that you are able to manage your business well. Because the bank is your vendor  and you her customer. Same like in your operational business you  rely on one of the very most important points in a business:  CONFIDENCE.  Contact us, we would be glad to show you the possible opportunities!
Íkonomisches Bankenrisiko Kosten-Nutzen Bank Bank Rating Criteria Catalogue
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