Henderson Federal Savings Bank Credit Rating

BOSTON (AI Credit Rating Terminal) Thu Jul 23 2020 13:49:02 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded Henderson Federal Savings Bank because of derivatives receivables represent more than 3% of total assets for entities reporting under IFRS (or under local GAAP similar to IFRS for the accounting of derivatives) and are domiciled in countries for which our BICRA group is '1' to '4'. We use econometric methods for period (n+1) simulate with Rating Wilcoxon Rank-Sum Test. Reference code is: 2134. Beta DRL value REG 32 Rational Demand Factor LD 4597.572. Likewise, we do not consider factoring programs under sources of liquidity. Unlike asset-based lending (ABL) facilities, factoring is more of a sales transaction and not a loan. In addition, these transactions tend to be very short term. For this reason, we would not consider them a committed source of future liquidity over a 12-month period. Credit Rating AI Process rely on primary sources of information: Sec Filings, Financial Statements, Credit Ratings, Semantic Signals. Take a look at Machine Learning section for Financial Deep Reinforcement Learning.Oscillators are used for generating credit risk signals by using the semantic and financial signals. The value of the oscillators indicate the strength of trend. Using the correlation matrices, the credit rating risk map for Henderson Federal Savings Bank as below:

Credit Ratings for Henderson Federal Savings Bank as of 23 Jul 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*Ba3Ba3
Semantic Signals9079
Financial Signals3561
Risk Signals5964
Substantial Risks4766
Speculative Signals8841

*Machine Learning utilizes multiple learning algorithms to obtain better predictive powers. In our research, we utilize machine learning to combine the results from the Neural Network and Support Vector Machines.
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