Every bank you might lend to, assessed from the public record.

Scored from regulatory filings, agency ratings and the news, using weightings you set. Build your counterparty list, watch every name on it, and compare alternatives.

Why it exists

Your counterparty list is approved once a year. The banks on it change every week.

Ratings move, accounts are filed, headlines break. The warning signs are all public, but reading them takes a week nobody has.

From the public record

Every score is built from what the bank filed, what the agencies published and what the market and the press said, each figure with its source and its date.

Checked every night

Every name on your list is checked overnight. Anything that has changed since you approved it, whether a rating, a key ratio or a news story, shows on its card.

Set your own weightings

The scores start from a set of weightings you can change. Decide how much each factor counts for your authority, and every score updates to match. Only you see your version, and the underlying figures never change.

The weightings you use, including the starting set, are your authority's choice.

How it works

Every step can be checked.

Every figure comes from the public record or from a setting you chose. The same checks are applied to every name in the same way, and each one is explained, so you can see how any result was reached.

The record is read: Overnight

Pillar 3 reports and regulatory returns for the capital and liquidity ratios; the ESMA register for the agencies' ratings; traded prices for the market signal; and headlines that mention each bank, flagged for you to read.

Every name is scored: The same way, every name

Each name is scored on its agency ratings and its own capital and liquidity ratios, using your weightings. A name without a rating or current figures isn't scored, and the page says so.

Your list is checked: Overnight

Choose the names you accept and how long you would lend to each. From then on, anything that has changed since you approved a name shows on its card.

Compare names: Whenever you like

At each tenor, see the names at least as strong as your weakest, put any names side by side on any ratio, and view every covered name by the average and the weakest of the three main agencies.

What it is worth to an authority

The judgement stays yours.

The legwork is done for you: finding each filing, reading the ratios, checking the register, and doing it again every quarter for every name.

Compare at each tenor

Names at least as strong as your weakest at three months, six months and a year: the same or a better score and ratings, and no widening market signal.

The three main agencies, on one scale

The average and the weakest of Fitch, S&P and Moody's, with one outlook mark per agency, and eleven years of how they moved.

A list that travels

Your list stays in your browser; a link carries it to a colleague, the committee or your adviser, names and tenors intact.

Coming soon to PWLBtoday.

Sign up and you'll be the first to hear when it opens. You can try it with an example list before you add your own.

What it does not claim. It is information, not advice. Scores can be wrong. Your list, your weightings and every decision remain your authority's, and nothing here replaces your counterparty policy, your section 151 officer or your adviser.