Product Marketing Manager, Criat

Raghav Chandra Mathur

Product Marketing Manager

Next-Generation Credit Analytics Provider

Criat

Criat specializes in new-generation data-driven credit analytics. Leveraging our industry-leading DeepCredit analytical technologies, we produce daily-updated forward-looking credit assessment and valuation to help financial institutions stay ahead of risks. Coupled with use-case-driven applications, we extract insights, answer questions and enable smarter credit decisions.

Thematic (Sector/Industry)

<ul>
<li>Since the start of 2023, the credit risk profiles of the US Banking sector have deteriorated substantially. The US Banking Criat Credit Cycle Index (CCCI) has risen from 2.9bps on January 1, 2023, to 6.7bps on December 1, 2023.</li>
<li>The peak distress felt by the sector this year was in the aftermath of the regional banking crisis in March and the US government debt crisis in May, which saw the sector’s credit risk worsen above its peak of 10bps this year.</li>
<li>Since then, the sector’s CCCI has remained relatively stable, albeit elevated. </li>
</ul>


Since the start of 2023, the credit risk profiles of the US Banking sector have deteriorated substantially. The US Banking Criat Credit Cycle Index (CCCI) has risen from 2.9bps on January 1, 2023, to 6.7bps on December 1, 2023.
The peak distress felt by the sector this year was in the aftermath of the regional banking crisis in March and the US government debt crisis in May, which saw the sector’s credit risk worsen above its peak of 10bps this year.
Since then, the sector’s CCCI has remained relatively stable, albeit elevated. 


Elevated US Banking Risk as Rate Hikes Bite Performance

Silver Point

Thomas J. Monaco

Independent Insight Provider

Silver Point is a boutique research firm that focuses on the broader financial services sector, with a particular focus on troubled institutions globally. 

Asia Ex Japan

Equity Bottom-Up

*Hawaiian Stalwart:  Founded in 1858, First Hawaiian (FHB.US) [FHB] is Hawaiʻi’s oldest and largest financial institution. In 2019, BNP Paribas (BNP.FP) sold its stake in the 62 branch First Hawaiian Bank, which has a presence in Guam and Saipan; and*Stabilization Seen Going Forward: FHB noted a moderate increase in tourist arrivals in recent months with tourist arrivals averaging about four thousand per day. Hawaii auto floor plan loans are exhibiting a modest recovery,77% of loans are now off deferral, margins to remain flat, and costs containment.

*Hawaiian Stalwart:  Founded in 1858, First Hawaiian (FHB.US) [FHB] is Hawaiʻi’s oldest and largest financial institution. In 2019, BNP Paribas (BNP.FP) sold its stake in the 62 branch First Hawaiian Bank, which has a presence in Guam and Saipan; and*Stabilization Seen Going Forward: FHB noted a moderate increase in tourist arrivals in recent months with tourist arrivals averaging about four thousand per day. Hawaii auto floor plan loans are exhibiting a modest recovery,77% of loans are now off deferral, margins to remain flat, and costs containment.      

United States

Territorial Bancorp, Inc. is a bank holding company.  The Company's banking subsidiary accepts deposits and offers residential mortgages; home equity lines of credit; construction, commercial and non-residential real estate loans; consumer loans; and other loans to customers in Hawaii.

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Territorial Bancorp (TBNK US)

Elevated US Banking Risk as Rate Hikes Bite Performance

Dec 5, 2023 Since the start of 2023, the credit risk profiles of the US Banking sector have deteriorated substantially. The US Banking Criat...

Criat

First Hawaiian – Over The Rainbow

FIRST HAWAIIAN: FHB Reveals A Bit Of Stability In Business, With Stable NIM, Credit Improvement On Horizon, And Expected Return To Credit In Floor...

Thomas J. Monaco

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