Credit Information for Financial Institutions

Rating Agency

Cerved Rating Agency is the Italian rating agency. Because of our long-standing experience and in-depth knowledge of the Italian market, we know how to provide optimum evaluation of SMEs. We provide tens of thousands of assessments on the segment of companies and other parties to banks that do not use the internal rating method, in order for them to calculate their capital requirements. Cerved rating classes can be used for the calculation and reporting of regulatory capital and prudential ratios based on the Basel Accord.

Qualified and experienced analysts and new-generation tools, combined with a rigorous methodology and constant monitoring, guarantee the market a quality assessment service, strengthening control over the independence of credit rating.

  • In 2008, the Group obtained “External Credit Assessment Institutions” recognition from the Bank of Italy and became the first Italian ECAI.
  • Consob and Esma (European Securities and Markets Authority) registered Cerved as a European Credit Rating Agency (CRA), thus making its rating valid and usable throughout the European Union.
  • The ECB recognises the Cerved Group’s ratings, including its Rating Tool, within the ECAF system. Italian banks can therefore use them to obtain short-term loans from the Eurosystem, which is the system used by European central banks.