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FITCHRATINGS DATA FORMATS
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FITCHRATINGS DATA FORMATS
1.1. Input into Raw Data Models
FITCHRATINGS inputs the financial data, usually from a bank’s annual report,
into “models” that are specific to each country. Each model, identified by a nickname
(see Help, Format Definitions), is made up of a sequence of lines following the bank
annual report: balance sheet, profit and loss, off-balance sheet items and notes.
Alterations to the data as provided by the bank are minimal.
This input model, or template, is called the Raw Data format. This format can be
viewed in English, and often in the native language as well 1 .
Some countries 2 have more than one raw data model, where there is a group of
banks with different reporting practices (e.g. Japanese securities houses or U.S. bank
holding companies). From time to time the lines of a model may be amended to reflect
changes in a country’s accounting reporting regulations.
We feel that our country-specific input technique is the most efficient way to
reflect the diversity of accounting practices worldwide, and to accommodate the trend
towards increasingly detailed reporting requirements.
1.2. Spreadsheet Format
The Spreadsheet format is derived from the Raw Data. While spreadsheets for
all the banks share a similar structure, components of the standard sections may vary
from one country to the next, depending on that country’s reporting requirements.
For example, the Liabilities side always contains the following sections:
Customer and short term funding; Other Funding; Other (non-interest bearing); Loan
Loss Reserves (not deducted from Assets) and Equity. However, Other Funding might
contain Long term Borrowing, Subordinated Debt, Participating Debt or Hybrid
Capital. Similarly, the ratios associated with the spreadsheet are country-specific.
Definitions of each country’s spreadsheet components may be found under
Help, Format Definitions.
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Multiple formats:for: Danish, French, German, Italian, Japanese, Norwegian, Portuguese, Spanish & Swedish
Native language for: Belgium, Canada, France, Ireland, Japan, United Kingdom and United States
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