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Country RiskFitch ConnectAn innovative, robust and comprehensive credit analytics and macro intelligenceplatform designed to service the individual data consumption models of credit risk,debt market and strategic research professionals. It provides users with credit research,credit ratings, macroeconomic and financial fundamental data, country risk researchand indices, industry research, Financial Implied Ratings, and a curated news service.Business BenefitsKey CapabilitiesManage credit risk with greater efficiency, clarity and ease acrossthe enterprise using a single platform supporting multiple deliverychannels depending on your preferred data consumption model.Access the full research output and credit ratings from Fitch Ratingswith its 25 distinct rating types that include recovery, countryceiling, and volatility and viability ratings.Meet specific credit, debt market and macroeconomic analysisneeds with an integrated, standardized and custom data feedthat can easily be imported into various software applications andmodels.Estimate the likelihood of default based on an evidence-basedassessment of risk using historical ratings, outlooks and watchstatus coverage on issuers and issues.Benchmark analysis against Fitch Ratings comprehensive credit riskview through a comprehensive suite of market-based credit riskindicators. Keep informed of credit risk trends through accessinginformation and data updated each day. New client-initiatedentities can be added within a few days.Use transparent credit information covering the broadest range ofentities, to help manage regulatory and capital adequacy reportingrequirements and leverage credit research insight into the ratingsgiven by Fitch Ratings analysts. Gather supplemental informationand understand market sentiment between financial filing cycles,ratings changes or research updates.fitchconnect.comAnalyze Fitch Solutions Bank Fundamental Financial Data – themost comprehensive in the market – and macroeconomic data on118 sovereigns, and integrate Financial Implied Ratings (FIR) intothe credit decision making process for over 21,000 unrated banks.Evaluate country risk and other external factors includinggeopolitical and operational risks using Fitch Solutions Country RiskResearch and Country Risk Indices and access macroeconomicdata for more than 200 global economies including up to 1,500data series per market and a 10- year forecast.Monitor news for a large universe of 4,500 banks as it happens,to gather supplemental information and understand marketsentiment between financial filing cycles, ratings changes orresearch updates.

Whether assessing credit risk, researching business entities and markets, or evaluatingcountry risk and compiling macroeconomic data for analysis, Fitch Connect enablesall types of organizations, banks and financial institutions to manage and monitor theirrisk exposure with greater efficiency, clarity and ease across the enterprise.Persona Driven HomepageTransition and Default DataThe personalized home pages deliver a unique experience tailoredto a user’s individual business focus with highly relevant and timelycontent from multiple data sources. The information presentedis based on the individual persona, entitlements, and customportfolio content.View historical changes to Fitch ratings across geographies, marketsectors and time periods for more insight into the ratings scale.Drill-through functionality within the matrix provides additionalinsight into the underlying data and the ability to click through todetailed entity pages.Entity Page Assess rating migration trends over bespoke time horizons forsingle or multiple countries and sectorsThe Entity Page available in Fitch Connect Web provides a single viewof the content sets available for an individual entity, defined as a bank,insurance company, sovereign or corporate. For ease of use, each ofthese content sets can be accessed via the entity navigation bar on themore details link in each section. Custom views can also be created fora single or multiple entities, and for tailored reporting, the content setcan be exported as a single Excel file. Benchmark internal rating models against historical defaultrates View all upgrades and downgrades for a given sector/country over a given time period Compare the stability & transition of ratings on a geographicaland/or industry basisThe Transition and Default Data provides users with more insights intoentities in context of their cohorts across region, industry, etc. Deliverythrough Feed and API channels mean users can view, store andmanipulate underlying data to meet alternative methodologies andauditing needs.2fitchsolutions.com

Advanced Search & Search and DiscoveryInteractive ChartsThe Advanced Search option enables content linked to entitiesand issues to be searchable using a diverse range of search criteria.These include accounting standard and financial statement date, ormore general content filters such as geography, sector, etc.Explore Fitch fundamental financial, credit and macroeconomicdata sets in greater depth and gain insight into data relationships.The Search & Discovery option enables discovery of entities andissuers through advanced searching, including the use of Booleanoperators. These can be carried across all Fitch Connect contentsets by typing in the ‘search’ bar from anywhere in the platform.Portfolio & AlertsThe Portfolio option provides a single view of the credit ratings,Fitch Research and fundamental data across multiple entities tosupport peer analysis and benchmarking. Multiple features areprovided for deeper analysis including custom views and statisticalsummary functions for the portfolio, as well as to generate and savebenchmarks for portfolios and peer analysis. Select entity, geography, data fields and time periods togenerate a fully customizable chart with contemporaryimaging Choose and edit charts using an extensive library and shareand edit existing vizualisations Use charts to illustrate and support any creditrecommendations made in the credit memorandumOnce created, charts and the underlying data can be downloadedto seamlessly integrate with the existing workflow.Email Alerts can be created for entities included in a portfolio andfor entities and issues, which are triggered when data points or newresearch meets the pre-defined criteria. Alerts can be configured byentity, data category and delivery preference.fitchconnect.com3

Delivery ChannelsAPIAn innovative, robust and comprehensive credit analytics andmacro intelligence platform designed to service the individualdata consumption models of credit risk professionals, investmentmanagers, strategists and economists.WEBEXCELFEE DContent Sources Fitch RatingsS&PMoody’sPlatform CapabilitiesCreditRatingsDelivery OptionsSClient EcosystemWebPeople 4Fundamental Data Country RiskIndices & Macroeconomic Data Financial ImpliedRatings for BanksBank RankingsCDS Implied y Data UsersEnrich Credit,Country andIndustryResearchmalizeor Credit Research Country RiskResearchIndustry ResearchN APIOn Demand AccessAnalyticsFeedsSystems & Databasesfitchsolutions.com

Content Sets by Delivery ChannelFitch ResearchFitch Credit RatingsThird-party credit ratings displayedCountry Risk Research & IndicesIndustry ResearchMacroeconomic DataFinancial Implied RatingsFitch Connect NewsTransition and Default DataWebExcel ��PPP–––P–––Content HighlightsFitch Solutions Fundamental Financial Data: On banks,insurance firms including major brokers, sovereigns and corporatescontaining up to 30 years of history for:Fitch Ratings Credit Research: Independent research andanalytical insight to help evaluate the creditworthiness of acompany, country or security: 36,000 private and public banks 248,000 published research reports 11,000 insurers, brokers and syndicates 11 sectors 118 sovereigns 15 years of average analyst experience 3,000 corporatesSector Intelligence: Expert analysis of global market trends andgeopolitical risk that impact credit risks and growth prospectsacross multiple markets.Fitch Ratings: The full Fitch universe of current and historicalcredit ratings, including four levels of market sector indexingcovering 100 fields of issuer data: 200 countries and territories covered more than 8,000 active issuers 22 industry sectors 25 distinct rating types 85,000 published research reports 1.34m historical issues and issuersFitch Solutions Financial Implied Ratings: Market-basedindicators derived from reported financial data, country risk indicesand calibrated against Fitch Ratings’ Viability Ratings for:Fitch Solutions Country Risk Research & MacroeconomicData: Country Risk Research, Country Risk Indices andmacroeconomic data for over 200 countries, territories and specialadministrative regions, covering 99.99% of world GDP. 2,300 rated banks Up to 1,500 data series per market 21,000 unrated banks 10-year forecast horizons Up to 25 years of historical data for most national marketsFitch Connect News: A curated news monitoring service thattracks news sentiment as it is reported for 4,500 banks, providingsupplemental information between filing cycles, ratings changes, etc. fitchconnect.comUses machine learning and text mining techniques forthousands of reputable news sources5

WebExcel Add-InA powerful and intuitive desktopinterface that delivers thecomprehensive suite of Fitch Solutionsand Fitch Ratings proprietary contentalong with advanced analytical toolsand functionality that includes customviews, search and discovery, portfolio,benchmarking, and alerts.Access the full Fitch Connect dataset including Country Risk Indicesand Macroeconomic Data using aMicrosoft Excel interface. Leveragepre-built templates developed by FitchSolutions for single entity tear sheets,peer and summary analysis for banksand sovereigns. Customize and savetemplates to integrate Fitch data intointernal financial risk analysis models.Portfolio: Organize a custom collection of entities or issuesto conduct peer analysis comparisons, build reports, andcreate custom benchmarks using statistical functions.Custom Views: Create templates and tables for any analysisscenario across thousands of credit and fundamental line itemsto integrate Fitch data directly into internal models and reports.Advanced Search: Use ratings and fundamental datacriteria or batch upload common industry identifiers to findentities and issues to build portfolios and peer groups.Alerts: Receive real-time, daily, or weekly notifications onratings changes, new research or statements to manage riskand stay informed of the latest market movements.Calculation Transparency: View the calculated financialstatement fields for banks and download the original financialstatement filing.6Extract current and historic fundamental data and creditratings with a single click.Integrate Fitch Connect data into models and pre-builtFitch templates for banks, insurance and sovereigns. FitchSolutions Regional Client Services can assist with setting-upcustomized templates.Formula Builder: Retrieve any data point in the FitchConnect database by writing a simple formula that can beused across entities, time periods, accounting standards andcurrencies.Manage Data: Refresh data calls within internal templates toensure use of the most current and timely information.fitchsolutions.com