Ponce Bank Credit Rating

BOSTON (AI Credit Rating Terminal) Sun Aug 02 2020 04:49:02 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We downgraded Ponce Bank because market volatility after the COVID-19 outbreak makes it highly uncertain. We use econometric methods for period (n+7) simulate with Rating Factor. Reference code is: 3076. Beta DRL value REG 20 Rational Demand Factor LD 4359.9024. When assessing strong or exceptional liquidity, we include all forecasted capital expenditures over the next 24 months, including discretionary growth capital spending. 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 Ponce Bank as below:

Credit Ratings for Ponce Bank as of 02 Aug 2020


Credit Rating Short-Term Long-Term Senior
AI Rating Class*B1B1
Semantic Signals5252
Financial Signals6582
Risk Signals5647
Substantial Risks6553
Speculative Signals6465

*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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