1

RATING

This is issued with an international grade, thus facilitating an opinion on the financial institution's long-term viability and sustainability. It identifies strengths and weaknesses in key areas, such as Corporate Governance, Operations, Portfolio Quality, Internal Monitoring and Financial Profile. It is an excellent calling card for showing to a variety of economic agents, as well as investors and funders with an interest in the sector.

2

RATING

Scaled at local level, we issue an opinion on the financial ability of the organization to promptly fulfill its obligations to its creditors.

In Peru, this report is in line with the requirements of the Superintendence of Banking and Insurance, established for supervised entities and those that take deposits from the public.

3

RATING

Measure the social performance of a financial institution and the extent to which it is in line with:

• ESG Standards - with sub-sections focused on Governance; Social Responsibility and Environmental Management.
• Client Protection Principles (7 standards).
• International Standards for Social Performance Management 

This favors the institute’s reputation and image, as well as the diversification of funding from creditors seeking a double return (financial and social).

4

ASSESSMENT

Identifies the risk level of the financial institutions’ credit portfolio. Issues opinions on the reasonableness of the reported quality indicators.

The report is useful for fund providers and IFI (International Financial Institution) directors interested in clarifying the credit risk of the loan portfolios.