1

INSTITUTIONAL

RATING

This is issued with an international grade, thus facilitating an opinion on the financial institution's long-term viability and sustainability. It identifies strengths and weaknesses in key areas, such as Corporate Governance, Operations, Portfolio Quality, Internal Monitoring and Financial Profile. It is an excellent calling card for showing to a variety of economic agents, as well as investors and funders with an interest in the sector.

2

CREDIT

RATING

Scaled at local level, we issue an opinion on the financial ability of the organization to promptly fulfill its obligations to its creditors.

In Peru, this report is in line with the requirements of the Superintendence of Banking and Insurance, established for supervised entities and those that take deposits from the public.

3

SOCIAL

RATING

Measure the social performance of a financial institution and the extent to which it is in line with international standards of social performance management (Social Performance Task Force - SPTF) and customer protection (Smart Campaign).

This favors the institute’s reputation and image, as well as the diversification of funding from creditors seeking a double return (financial and social).

4

LOAN PORTFOLIO

RATING

Identifies the risk level of the financial institutions’ credit portfolio. Issues opinions on the reasonableness of the reported quality indicators.

The report is useful for fund providers and IFI (International Financial Institution) directors interested in clarifying the credit risk of the loan portfolios.