Article
Dear Investor,
We are continuing our hard work to keep you informed about banking industry and it's risk. Today is quite special day for us because we have first foreign banker rated (round of applause and drums and rolls)! We hope that the increase of investment opportunities will help you to hedge risk and save your hardly earned cash & boobs. Also, to reflect better our bankers ability to pay out deposits we are introducing Asset to Debt ratio (which explains what part of deposits could be returned to depositors in case of banker's bankruptcy). Finally, we would like to HAIL rated bankers for successfully surviving another tough week in volatile market environment!
To have a better sense of ratings development, please read S&B Bankers debt rating review #1
RATING EXPLANATIONS
BBB - Triple Boobs - highest possible investment rating. Safe to deposit your gold
BB - Double Boobs - still solid investment rating. Safe enough investment option
B - Single Boobs - average investment rating. Still could be a decent investment option, but it has higher risk. Be more careful while investing here
D - Single D - non investment rating. During successful economic event could bring high profit, but is extremely risky and we don't recommend to invest here
N/A - not rated. Was not enough data to rate the banker or he didn't provide necessary information
S&B BANKERS DEBT RATINGS
DanielB1989
Personal history: Was born in day 58th. Started his banking career in day 77. More info here. S&B Rating - BBB
Debt repayment history: According publicly known information is as white as the white stripe on Dutch flag. S&B Rating - BBB
Business portfolio: Currently owns Q1 diamond company. With current market prices banker is able to earn ~2.5 Gold if he can sell all his production. S&B Short term (~15 days) Rating - BB (taking into account current market conditions). S&B Long term (30+ days) Rating - BBB
Active debt and Loans: Banker has ~262 Gold Short term (up to 15 days) and 439.45 Gold Medium to Long term (more than 15 days) active debt. Also, banker posses ~264.03 Gold Short term (up to 15 days) and 378.25 Gold Medium to Long term (more than 15 days) active loans.
In calculations of Cash flow we made an assumption that banker is able to sell his production stocks. Also we included information about his Gold and other currency reserves (provided by respective banker). Still this projection is quite theoretical and should be taken into consideration with great caution. New deposits and/or successful market developments could change Cash flow projection dramatically. S&B Short term (less than 15 days) Rating - BBB (taking into account current market conditions). S&B Long term (More than 15 days) Rating - BBB
Assets to Debt ratio: 0.975. S&B Rating - BBB
Other remarks: The rated banker is a part of IBN (International Banking Network):
When one doesn't have sufficient funds we help each other on short term loans to make sure we can pay back savings accounts and when one can't help a customer we redirect them to each other. It works really great.
For me its not all about attracting the big money with extreme percentages.. but its more about helping people in a sustainable way.
Final rating: S&B appoints to
DanielB1989 BBB Short term investment rating and BBB Long term rating.
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Antakis
Personal history: Was born in day 3. Started his banking career 3 days ago. More info here. S&B Rating - BBB
Debt repayment history: Publicly not known (just started his banking career). S&B Rating - B
Business portfolio: Currently owns 2xQ1 weapon and 1xQ5 gift companies. With current market prices banker is able to earn ~2.5 Gold . S&B Short term (~15 days) Rating - BB (taking into account current market conditions). S&B Long term (30+ days) Rating - BBB
Active debt and Loans: Banker has 149.05 Gold Short term (up to 15 days) and 478.38 Gold Medium to Long term (more than 15 days) active debt.
In calculations of Cash flow we made an assumption that banker is able to sell his production. Also we included information about his Gold and other currency reserves (provided by respective banker). Still this projection is quite theoretical and should be taken into consideration with great caution. S&B Short term (less than 15 days) Rating - BBB. S&B Long term (More than 15 days) Rating - BBB
Assets to Debt ratio: 1.375. S&B Rating - BBB
Final rating: S&B appoints to
Antakis BBB- Short term investment rating and BBB Long term rating.
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Kaprizas
Main developments:
Debt repayment history - so far all debts were repaid on time or even before their maturity.
Business portfolio - banker increased his diamond company level to Q4.
Active debt and Loans - the outlook stays stable.
Assets to Debt ratio: Not rated due to insufficient information (banker didn't provide S&B with the requested info).
Final rating: N/A - not rated. Was not enough data to rate the banker or he didn't provide necessary information.
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hanibalas + Karigaila
Main developments:
Business portfolio - bankers bought Q5 weapon company. Their daily profit possibly increased to 8.9 Gold .
Active debt and Loans - the outlook stays stable.
Assets to Debt ratio: 0.9545. S&B Rating - BBB
Final rating: S&B appoints to
hanibalas BB+ Short term investment rating and BB+ Long term rating.
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Raimondukas
Main developments:
Business portfolio - banker acquired 5 new companies and crossed 75 Gold a day earning zone.
Active debt and Loans - Long term debt outlook is open to downgrade to BB Long term rating from BBB due to new huge deposits together worth more than 3000 Gold . It is a tremendous inflow of money to invest, but at the same time even greater risk. Both loans are maturing in less than 30 days (it will be hard for banker to invest them with positive outcomes).
Assets to Debt ratio: 0.6687. S&B Rating - BB
Final rating: S&B appoints to
Raimondukas BBB Short term investment rating and BB Long term rating.
----------------------------------PUBLIC AND PRIVATE INTERESTS DECLARATION---------------------------------
While compiling the review 5.11 Gold debt was repaid by Kaprizas before the maturity day.
* Any of the above mentioned contracts do not express opinion of S&B and is purely personal affair and experiment of Pukuveras. S&B does not posses any obligations to any of the bankers mentioned in the review and is representing fair and open evaluation of Lithuanian banking industry. *
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* Opinion presented by S&B is just a guidance or recommendations and the final decision to deposit with the mentioned bankers or not is up to depositor. *
GENERAL COMMENTS
In S&B opinion, Lithuanian banking sector interest rates are heading into unsustainable heights which is unhealthy in a long run. It is very hard to make profit in current volatile market and we are looking to serious systemic risk increase. In the upcoming weeks (if the economic climate won't get stronger) S&B will act on this and quite likely that ratings for most of the banks will be significantly downgraded.
Sincerely yours,
Previous article:
[Cash&Boobs] S&B Bankers debt rating review #1 (13 years ago)
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