CariCRIS’ Mission
    To contribute to the development 
      of a vibrant, integrated Caribbean 
      capital market by setting the highest 
      standards of credible independent 
      analysis and opinion to enable 
      informed financial decisions
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    96 entities rated
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  Regional Client 
  Base
              Country          No. of Ratings   %
      Trinidad & Tobago            39          41%
      Jamaica                      27          28%
      Barbados                      8          8%
      St Lucia                      7          7%
      Antigua & Barbuda             3          3%
      St Kitts & Nevis              3          3%
      Dominica                      3          3%
      St Vincent & the Grenadines   2          2%
      Anguilla                      2          2%
      Grenada                       1          1%
      Other                         1          1%
               Total               96         100%
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 The world has 
 changed
  • US economy struggling to regain growth 
    and fiscal cliff looming
  • Europe plagued with sovereign debt 
    crisis 
  • Slowed growth in China and India  
  • Caribbean - heavily indebted and 
    limited fiscal flexibility
  Negative impact on 
    performance of loan and 
    investment portfolios                             5
 Fundamentals of Credit 
 Risk Management remain 
 the same
  • Creation of a sound credit 
    environment
     –Critical role of Board of Directors and Senior 
      Management
  • Existence of a sound credit 
    granting process 
     –Well defined criteria
     –Clear limits and process
     –Arms length basis
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