One of the pillars of the Basle II accord is the need to set out minimum capital requirement for credit, market & operational risks.

Agusto & Co is highly specialised in assisting banks manage their credit risk. Our list of satisfied clients attests to this. We have been able to streamline our clients' credit processes by implementing proper rating methodologies and assisting in the preparation of effective portfolio planning strategies.

Our approach in doing this is through the use of our rating models (internal rating model & external rating model). The internal rating model uses largely qualitative inputs to assess banks obligors and is used for obligors whose business is unstructured. The external rating model on the other hand uses mostly quantitative financial inputs to assess the obligors of banks and is applied to obligors whose business are structured.

Our models are in-house developed and have been adjudged as very effective at assessing and profiling credit risk of bank's obligors. These models have been customised in some cases to meet/suit particular client's peculiar needs.