Construction, Property Development & Rental

Residential property development - Key drivers of cyclicality include consumer confidence, disposable income, employment levels and growth, household formation and other demographic trends, property supply conditions, the availability of mortgage loans and consumer financing rates, and the extent of investor demand in the market.

Download PDF

Financial Institutions

The following rating methodology is the generalized version of the methodology that CariCRIS would use to analyse entities in the banking, non-banking finance and other financial services. The analysis of entities in specific sectors within the financial services spectrum will be based on slightly customized versions of this general methodology.

Download PDF

Insurance Companies

CariCRIS offers two sets of products for insurance companies. The first is the regular credit rating, assigned for any borrowing programme of the insurance company. The second, and more common rating product in international markets, is the financial strength rating (FSR).

Download PDF

Manufacturing & Service Companies

The following rating methodology is the generalized version of the methodology that CariCRIS would use to analyse entities in the manufacturing & service industry. The analysis of entities in specific sectors within the manufacturing & service spectrum will be based on slightly customized versions of this general methodology.

Download PDF

Real Estate Investment Trust

The following rating methodology is the generalized version of the methodology that CariCRIS would use to analyse real estate investment trusts (REIT). REITS can be in the form of a corporation, trust or association that owns or finances income-producing real estate.

Download PDF

Sovereigns

The following rating methodology is the generalized version of the methodology that CariCRIS would use to analyse sovereigns domiciled in the English-speaking Caribbean and key Central American countries such as Panama, Belize, Costa Rica as well as the Dominican Republic.

Download PDF