We help manage credit risk
At INBONIS Rating, we offer our expertise and methodology in the credit rating of SMEs and midcaps to financiers, asset managers, and large corporations. In addition to individual ratings, we conduct risk assessments of their portfolios, provide the option to license our Refocal® platform, and measure the environmental, social, and governance performance of SMEs.
Refocal® Technology License
We offer asset managers and procurement departments the option to license our Refocal® credit rating* platform. This is a credit analysis software with a complete workflow based on proven methodologies for the evaluation and monitoring of companies and portfolios.
*The activity of issuing credit ratings is a regulted activity in accordance with Regulation (EC) No 1060/2009 of the European Parliament and of the Council of 16th September 2009 on Credit Rating Agencies.
a) Refocal® for Credit Risk
Refocal® combines financial data analysis, sector and geographic trends, and qualitative factors collected through a standardized process and qualitative KPIs for an agile credit evaluation specifically designed for private companies.
DELIVERABLES:
1. Generation of credit ratings equivalent to public ratings
2. Customizable company analysis and monitoring reports
3. Customizable portfolio reporting generation
4. Structured quantitative and qualitative database
5. Dynamic data visualization
6. Integration of ESG risk assessment (optional)
ADVANTAGES:
- Validated methodology for SMEs and midcaps
- Inclusion of high predictive value qualitative factors in a standardized manner
- Optimization of the evaluation workflow
- Global coverage with regional customization
- Integration of existing portfolio into the new platform
b) Refocal® for ESG Risks
This is the Refocal® module for the collection and analysis of data from SMEs and midcaps, used to identify key ESG risks and opportunities and their impact on financial risks.
DELIVERABLES:
1. Identification of relevant ESG risks
2. Materiality matrix
3. ESG Score
4. Estimation of potential financial impact on the business in terms of cost of financing, profitability, and company value if ESG risks are not mitigated
5. Recommendations for mitigating ESG risks
6. Action plan tailored to the capabilities of each company
ADVANTAGES:
Compliant with European legislation (CSRD/ESRS, SFDR (PAIs), Pillar 3) and other ESG standards (e.g. SASB)
Other ESG solutions
At INBONIS, we have empirically demonstrated that good ESG risk management can correlate with lower credit risk. Thus, the analysis of ESG factors has been integrated into the credit rating methodology. For rated companies, an annex explaining the ESG risk analysis can be provided together with the credit rating report.
WHAT DO INBONIS-RATED COMPANIES USE THESE ASSESSMENTS FOR?
- ESG Management Diagnostics
- Can facilitate compliance with SFDR regulations
- As complementary information for private placements or green loans
SME Portfolio Assessment
At INBONIS Rating, we specialize in the independent assessment of portfolios of financial instruments for SMEs, serving both public and private financial entities. Our objective is to support them in making informed decisions, optimizing risk management, and efficiently attracting capital.
a) Our distinctive approach combines a holistic view of the portfolio composition with a qualitative perspective on the quality of its underlying assets, i.e., the SMEs.
- Top-down analysis: dynamic analysis of the portfolio (historical data and projections based on macro and sector-specific data) and identification of concentrations and cross-correlations within the portfolio
- Bottom-up analysis: qualitative analysis of a representative sample of individual exposures using Refocal®
b) Our services
- Independent assessment of expected risk and return within the context of SME portfolio transactions:
- Pricing (e.g., synthetic guarantees, secondary markets, first-loss positions, etc.)
- Private ratings for structured products; securitizations of debt instruments (financial or commercial) and equity