Professional Bank Credit Rating

BOSTON (AI Credit Rating Terminal) Fri Jul 31 2020 14:49:02 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded Professional Bank bacause the bail-in of that type of liability would not provide any economic benefit to the resolution or would even destroy value. We use econometric methods for period (n+7) simulate with RC Phase Shift Oscillator Chi-Square. Reference code is: 4370. Beta DRL value REG 20 Rational Demand Factor LD 4321.506. Larger, investment-grade issuers that have access to both public and private debt markets have greater flexibility than companies that depend solely on private bank loans. In addition, we consider whether a company can borrow on an unsecured basis, has access to the commercial paper markets, and issues debt in multiple geographies. It is more costly to raise debt in the public bond markets and often requires a company to establish a track record among investors. These costs and information asymmetry issues sometimes make it impractical for smaller, speculative-grade issuers to raise small amounts of debt in public markets. 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 Professional Bank as below:

Credit Ratings for Professional Bank as of 31 Jul 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*B1B1
Semantic Signals8366
Financial Signals4449
Risk Signals3874
Substantial Risks5761
Speculative Signals8046

*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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