products Ratings /ratings/en/products-benefits/products/financial-services-credit-tools content esgSubNav
Discover more about S&P Global’s offerings
Register Reset Password
Essential Intelligence: Models

Financial Services Credit Tools

Risk Adjusted Capital (RAC) Model For Global Banks

Please find below links to the latest versions of our Risk-Adjusted Capital (RAC) Model For Global Banks and Non-Bank Financial Institutions. 

Risk-Adjusted Capital Framework Methodology (published July 20 2017)
Risk-Adjusted Capital Framework Model 
Risk-Adjusted Capital Framework Reference Guide 

Insurer Risk-Based Capital Model

S&P Global Ratings' Insurer Risk-Based Capital (RBC) Model is a quantitative tool that is integral to our analysis of the capital adequacy of life, non-life, mortgage, health insurance, and reinsurance companies worldwide. We base our overall opinion of an insurer's level of adequacy on insights drawn from this model, evaluated in conjunction with more qualitative factors.

The model was updated in November 2023. Download Model:

Contact Us

Learn More About Financial Services Credit Tools

Get in Touch
Get in Touch

Learn more about S&P Global Ratings Financial Services Credit Tools

Fill out the form so we can connect you with the right person.
  • First Name*
  • Last Name*
  • Business Email Address*
  • Business Phone*
  • Company (full legal entity)*
  • Job Title*
  • City*

  • We generated a verification code for you

  • Enter verification Code here* Verification Code is required.

*Required