Ratings
Ratings manages credit, risk, and ESG ratings from multiple rating agencies (S&P, Moody's, Fitch) and internal models, tracking rating changes, outlook changes, and rating actions over time. This use case addresses integrating ratings from multiple agencies, tracking rating changes and outlook changes over time, linking ratings to entities and rating methodologies, understanding how entity relationships affect ratings, comparing ratings across agencies and entities, tracking rating actions and reviews, and supporting risk management and investment decisions through comprehensive rating tracking.
The Challenge¶
Organizations face challenges in ratings management:
- Multiple rating agencies — Entities may have ratings from multiple agencies (S&P, Moody's, Fitch)
- Rating types — Different types of ratings (credit, risk, ESG) with different methodologies
- Temporal changes — Ratings change over time through upgrades, downgrades, and outlook changes
- Methodology differences — Different rating agencies use different methodologies and criteria
- Data integration — Integrating ratings from multiple sources and systems
- Relationship context — Understanding how entity relationships affect ratings
- Regulatory requirements — Meeting requirements for rating disclosure and reporting
- Rating actions — Tracking rating actions, reviews, and outlook changes
Why EKG is Required¶
Enterprise Knowledge Graphs provide powerful ratings management capabilities:
- Multi-source integration — Connect ratings from multiple agencies and internal models
- Temporal tracking — Track rating changes over time and maintain historical ratings
- Rating relationships — Link ratings to entities, rating agencies, and rating methodologies
- Network analysis — Understand how entity relationships and networks affect ratings
- Comparative analysis — Compare ratings across agencies, entities, and time periods
- Action tracking — Track rating actions, reviews, and outlook changes
- Regulatory integration — Link ratings to regulatory requirements and reporting obligations
- Risk assessment — Assess rating trends and changes for risk management
Business Value¶
- Risk management — Support risk management through comprehensive rating tracking
- Investment decisions — Enable investment decisions through accurate rating information
- Regulatory compliance — Meet requirements for rating disclosure and reporting
- Operational efficiency — Automate rating tracking and reduce manual monitoring
- Strategic insights — Understand rating trends and patterns across entities
- Early warning — Identify rating changes and trends for proactive risk management