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Credit Ratings


JCR R&I S&P Moody's
Shinkin Central Bank AAA AA A+ A1
(Reference)
Highest Level
City Bank
AA A+ A A1
Highest Level
Regional Bank
AA AA A+ A1

(As of January 31, 2006)



Definitions of Long-Term Rating by Japan Credit Rating Agency Ltd. (JCR)

AAA The highest level of capacity of the obligor to honor its financial commitment on the obligation.
AA A very high level of capacity to honor the financial commitment on the obligation.
A A high level of capacity to honor the financial commitment on the obligation.
BBB An adequate level of capacity to honor the financial commitment on the obligation. However, this capacity is more likely to diminish in the future than in the cases of the higher rating categories.
BB Although the level of capacity to honor the financial commitment on the obligation is not considered problematic at present, this capacity may not persist in the future.
B A low level of capacity to honor the financial commitment on the obligation, having cause for concern.
CCC There are factors of uncertainty that the financial commitment on the obligation will be honored, and a possibility of default.
CC A high default risk.
C A very high default risk.
D
In default.

   

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