Credit Ratings

Credit ratings can be used to assess the creditworthiness of an institution, for example, a bank. Credit ratings are assigned by independent organisations known as credit rating agencies. The three leading rating agencies are Standard & Poor’s, Moody’s and Fitch Ratings.

Credit rating agencies issue both short-term and long-term credit ratings and use their own scales to denote creditworthiness. These ratings can provide investors with an indication of the institution’s strength and ability to meet its financial commitments. For example, in the case of structured investments, the bank’s ability to repay the capital and any returns due to investors.

Credit ratings are the opinion of the credit rating agency and are not a guarantee of credit quality. Please see the following websites for information on each agency’s scales and how their opinions are reflected in each rating:

www.standardandpoors.com
www.moodys.com
www.fitchratings.com

The credit rating of an institution is regularly reviewed by the credit rating agencies. It is therefore possible that the rating quoted in the brochure for a structured investment plan may have changed since publication. You can use this webpage to monitor credit ratings during the investment term of your plan.

Please see below the current credit ratings of the banks which back Walker Crips Structured Investment plans.

Ratings are accurate as at 13 December 2019.

Standard & Poor's Moody's Fitch
Rating Outlook Rating Outlook Rating Outlook
Aviva PLC A STABLE A2 STABLE A+ STABLE
Barclays Bank PLC A STABLE A2 POS A+ STABLE
Barclays PLC BBB STABLE Baa3 POS A STABLE
BNP Paribas A+ STABLE Aa3 STABLE A+ STABLE
Citigroup Global Markets Ltd A+ STABLE A1 STABLE A STABLE
Credit Suisse AG A+ STABLE A1 POS A POS
Goldman Sachs International A+ STABLE A1 STABLE A STABLE
HSBC Bank PLC AA- NEGATIVE Aa3 STABLE AA- STABLE
HSBC Holdings PLC A NEGATIVE A2 STABLE AA- STABLE
Investec Bank PLC - Not Rated A1 STABLE BBB+ STABLE
Lloyds Bank PLC A+ STABLE Aa3 NEGATIVE A+ STABLE
Lloyds Banking Group PLC BBB+ STABLE A3 NEGATIVE A+ STABLE
Morgan Stanley BBB+ STABLE A3 STABLE A STABLE
Morgan Stanley & Co. International PLC A+ STABLE A1 POS N/A N/A
Natixis A+ STABLE A1 STABLE A+ STABLE
NatWest Markets PLC (formerly RBS PLC) A- STABLE Baa2 POS A STABLE
Royal Bank of Scotland Group PLC BBB STABLE Baa2 POS A STABLE
The UK Government AAu NEGATIVE Aa2 STABLE AAu NEGATIVE
Santander UK PLC A STABLE Aa3 NEGATIVE A+ STABLE
Societe Generale SA A POS A1 STABLE A STABLE

* CreditWatch: An institution placed on CreditWatch highlights the potential direction of a rating due to identifiable events and short-term trends.

If you have any questions about credit ratings, please call us on 020 3100 8880.

Contact Us

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Tel        020 3100 8880

Fax       020 3100 8822

Walker Crips Structured Investments is a specialist division providing financial advisers, institutions and other professional intermediaries with carefully considered investment opportunities.

Our independence not only allows us to select from the world’s leading global financial institutions, it also provides us with a flexible market perspective which enables us the precision to create the right product at the right time.

We do not give investment advice ourselves, instead we focus on the design and administration of our structured investment plans.

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If you do not agree with the above statement and have questions about our service and products please contact us on 020 3100 8880.

Investors should be aware that past performance is not a reliable indicator of future results and that the price of shares and other investments, may fall as well as rise and the amount realised may be less than the original sum invested.


Walker Crips Group plc (Old Change House, 128 Queen Victoria Street, London EC4V 4BJ), registered in England, registered number 1432059, incorporates the following companies which are authorised and regulated by the Financial Conduct Authority: Walker Crips Investment Management Limited registered in England number 4774117 member of the London Stock Exchange, Walker Crips Wealth Management Limited registered in England number 3790291, Ebor Trustees Limited registered in England number 3514268, Barker Poland Asset Management LLP registered in England and Wales number OC341149.