PHILO EXCHANGE BANK Assigned Short-Term Ba3 & Long-Term B1 Credit Rating

When evaluating uses of liquidity, we include all debt maturities over the liquidity horizon that are either recourse to the company, or nonrecourse that we believe the company will support even in times of stress. In cases where the debt includes a put option held by debtholders, we will consider the date of the put option the effective debt maturity--i.e., we will assume the debt will need to be repaid/refinanced on the day the put can be first exercised.PHILO EXCHANGE BANK Assigned Short-Term Ba3 & Long-Term B1 Credit Rating. How Does Credit Rating Model Work?

Rating Model for PHILO EXCHANGE BANK: We estimate the credit risk parameters by Heikin-Ashi and Multiple Regression

Credit Ratings for PHILO EXCHANGE BANK as of 07 Mar 2022

Credit Rating	Short-Term	Long-Term Senior
AI Rating Class*	Ba3	B1
Semantic Signals	77	31
Financial Signals	57	47
Risk Signals	35	86
Substantial Risks	78	54
Speculative Signals	68	75

*Machine Learning utilizes multiple learning algorithms to obtain better predictive powers. In our research, we utilize machine learning to combine the results from the Neural Network and Support Vector Machines.Take a look at: How Does Credit Rating Model Work?

Financial Analysis for PHILO EXCHANGE BANK

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Analyst Rating for PHILO EXCHANGE BANK

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Credit Report for PHILO EXCHANGE BANK

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Audit Reports & Filings for PHILO EXCHANGE BANK

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Market Research for PHILO EXCHANGE BANK

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