April 2001
Rating Credit Risk
This publication is part of:
Collection: Comptroller's Handbook
Series: Safety and Soundness
Category: Asset Quality
Transmittal
Series:Safety and Soundness
Category:Asset Quality
Rating Credit Risk Cover Letter(PDF)
Overview
This booklet addresses credit risk rating systems, which, if well-managed, should promote safety and soundness, facilitate informed decision making, and reflect the complexity of a bank's lending activities and the overall level of risk involved.
Applicability
This booklet applies to the OCC's supervision of national banks and federal savings associations. For statutes, regulations, and guidance referenced in this booklet, consult those sources to determine applicability to federal savings associations. References to national banks in this booklet also generally apply to federal branches and agencies of foreign banking organizations. Refer to12 USC 3102(b)and the "Federal Branches and Agencies Supervision" booklet of theComptroller's Handbookfor more information.