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1. puts b ram Hi ir Ed 18 AEN Arar E ums al 13 Ax Ame eek County EB anos Hanes lt r Sen 14002 B pA Funera County Este 25 ME 29018 21 Ame Bank frh 2424 34735 32 mem nme can Courty TOT AT ET jmn 23 AMRORANH Corina Maing E 31i T Ws 10001 24 EIN Amre Bank BM 1 i us ein 18 12500 22555 5 Freer E TERT 5270 Es a Ass DRE di 58 Sorted by Bank s Harem FrrcuTECA rin ser seu SOM ee Figure 23 Bc BankScope List x File View Options Edit List Window Display Help 8 xj 15 Search List Report ELA Peer Analysis Statistical Analysis form undo links between compames and Peer Groups 8 Bank Mat Companies associated with own Peer Groups Own Peer Groups 1 R 42845 2 1867 Western Financial Corporation O 3135391 rs 3 1st Source Bank O 41875 4 1st Source Corporation O 9 24000 5 3i Group plc O 0 47962 77 Bank the m 8 43762 2 Edwards amp Sons Inc O 8 47474 5 AG Edwards m 7144547 i Edwards Inc 4136845 AB Spintab publ O 1 36335 AB Svensk Exportkredit Swedish Export Credit Corporation O 4 94 986 ABC Internation
2. L Fre LHS ler jase Holling TT LE 3 ar D Fi x Lara ara al Com paras AL A u ecm A omma l db FrrcalBcA Figure 62 Figure 63 STATISTICAL ANALYSES 10 6 Concentration analysis This analysis enables you to determine the share of a financial variable or a ratio held by each bank in your group of banks The table resulting from this analysis is illustrated in Figure 60 where the values for the variable under study are displayed for each bank of the group sorted by descending order along with the cumulated values in value and in percentage If the variable is negative for some banks of the group separate tables are created for negative and positive values Three graphical illustrations are associated with this analysis They can be accessed by clicking on the following icons displays a pie chart Figure 61 illustrating the contribution of each bank to the cumulated value of the variable under study for all selected banks The drop down list at the bottom right of the window are used to specify the number of banks presented on the graph from 2 up to 10 the position of the first represented slice and the viewing angle of the pie displays a Lorenz curve Figure 62 which shows the contribution for the
3. 5 earch 11 21 06 e File View Options Search window Display Help x _Finencisls Batinos Asiens Undated stat Bank Ratings Fitch BCA Sovereign Ratings Moody s Bank Ratings Standard amp Poors Bank Ratings CAPITAL INTELLIGENCE Ratings amp Reports THOMSON Ratings amp Reports The EIU County Risk Service List of rated Banks me Revised Ratings Access to Bank Reports Access to Country Reports Production Schedule Rating Definitions Search hesult Result Boolean Search Pelete Search step iral terr Wa FITCHIBCA Figure 111 TEXTUAL INFORMATION MODULES 16 2 Capital Intelligence Reports 16 2 1 SERVICE AND COVERAGE Capital Intelligence provides a service of reports and ratings covering over 400 major banks located in the Gulf Mediterranean Asia Pacific regions as well as Central Eastern Europe and South Africa Bank Reports are detailed studies of individual institutions based on extensive financial analyses and meetings with the subject bank and others in the banking environment Topics include shareholders management history and market background operations and strategy as well as full financial evaluation Rating Reports are shorter reports of individual institutions giving key data Cl ratings strengths and weaknesses summary financial analysis and objective assessment of the subjec
4. Cancel Figure 34 Recently added statements Banks for which a note exists Search by word in notes Type of Shareholder Search by Auditor s name Listed unlisted 6 2 Result of a search MULTI CRITERIA SEARCH this option will select all the statements which have been recently added to BankScope allows you to retrieve banks for which you have manually entered a note displays a menu in which you can type a word to be found in the notes entered by the user displays a dialog box see Figure 34 in which you will have the possibility to select the desired type s of shareholders state public authorities individuals and private shareholders companies and banks as well as their ownership percentage displays a list from which you can select the desired auditors in the appearing window you can select listed or unlisted banks Whenever you click on 83 in any of the dialog boxes allowing you to conduct a search the result of the search 1 displayed along with the results of the previous searches There are at the end of the line two columns containing figures see Figure 33 Step Result the left hand column indicates the number of statements of the whole database that satisfy that search criterion Search Result the right hand column indicates the number of banks that satisfy the combined criteria every criterion being linked to the preceding one with the Boolean operator
5. TERM E Boolean Search 1 And 2 And 3 4nd 4 Or 5 Delete Search Step Modify Search Step FITCHIBCA Figure 35 MULTI CRITERIA SEARCH 6 4 Boolean search As explained hereafter the search criteria are by default combined with the Boolean operator and You can easily modify these different search criteria by using other Boolean operators In order to do so click on the the white control bar just beside this button becomes active By using the DEL key you can delete a part or all of the equation displayed and create an equation that suits you do not forget the parentheses Boolean Search 1 And 2 And 3 And 4 Or 5 ok For instance Figure 35 shows the result of the selection of large European commercial banks having either a Moody s rating of Aaa Aa A an FITCHRATINGS rating of A A B B 6 5 Saving a search strategy Any search strategy sequence can be saved and re used at a later date This method will allow you to monitor banks that meet your criteria every time you receive a new update of BankScope Obviously results may differ from month to month as company accounts are updated To save your search strategy select Save the search strategy from the File menu A dialog box will appear allowing you to give a name to your search your file will automatically be given the srh extension Click on the Lak J button for saving 6 6 Saving bank sets
6. 5 TEXTUALINFORMATION MODULES 16 3 2 SUBSCRIPTION You can access reports by purchasing from Bureau van Dik a floppy disk containing a number of credits called a credit disk Inserting the credit disk will unlock the access to the Country Risk Reports available for the next 12 months The number of credits necessary to access the information will be deducted from the floppy disk 1 credit will buy a Country Risk Report 16 3 3 ACCESSING THE ECONOMIST INTELLIGENCE UNIT COUNTRY RISK SERVICE MODULE In order to access this new section click on Rating Services then on The Country Risk Service The following options will be displayed on the screen List of surveyed Countries provides a list of all countries covered along with the Overall Rating and the Overall Score This section is free of charge Country Risk Report allows you to access any report s available The system will ask you to insert a Credit Disk that can be ordered in any Bureau van Dijk office One credit will be used to access a report and deducted from the Credit Diskette The Reports selected will be displayed in Microsoft WordViewer or in Microsoft Word Note that the corresponding word files will be copied in your User folder the EIU sub folder Risk Rating Review allows you to access the Risk Rating Review Report published quarterly You will be requested to insert a Credit Diskette to access the information but
7. i20 81 DE 1730 280114167 Faak eni D mbst LH 031 DE 14 4 0094 11 Aina Bars eaten Gmbh LH eT 12 DE praem r 21403 12 bel se Eros Mena GrebH zi 0631 DE 2212 15 Sarra Bank Ho 127 0 DE 1 14 Hiin Crd zx gx 997 DE 1 2579 A LA zb 12 98 TE 755315117 rial Formal Sil Cial iz As Feo Gun a 15 Banks Saved by Total Law rear Descendeg Figure 28 Affiliations of a given Bank BANK BRUSSEL LAMBERT Selected Minimum Include MA s Direct parents Direct parents and indirect parents Ibid with their direct banking subsidiaries Direct banking subsidiaries Direct and indirect banking subsidiaries Ibid with their direct parents All types of affiliations Include banks Figure 29 MULTI CRITERIA SEARCH To conduct a search on affiliations this criterion must be the first item in a users search Click A menu will allow you to select one of the four following options 27 Searching for the foreign banks in a given country The definition of what the user regards as foreign bank can be freely specified You can for instance specify that in your opinion a foreign bank include no more than N foreign s
8. the number of banks broken down per countries and regions the number of statements broken down by consolidation code number of institutions with shareholding information the number of institutions with subsidiary information Glossary This section provides the user with a list of all necessary definitions concerning BankScope Just type in a key word to access its definition Ratio Definitions This gives you the definition of the 36 Standard Ratios associated to the Global Format 5 Format Definitions ACEO UIT 1 Figure 113 Format Definitions BankScope and the Euro HELP MENU This allows you to display the definitions of the data items used in the Global detailed Global Summary Spreadsheet or Raw Data Formats for any country A click on this option displays a dialogue as illustrated in Figure 113 Select the format of interest and indicate the country model required in the FITCHRATINGS model box Albania is shown as first in the alphabetical model list This option also enables you to display or print the logic you used in creating your own customised formats This option displays a help page describing how Bureau van Dijk is treating the question of the Euro BankScope and the year 2000 This option displays a help page describing how Bureau van Dijk is treating the question of the year 2000
9. the cells If the add in formulas of the sheet make reference to those cells all calculated cells will be automatically updated NOTE If you click the Search Add Step button and choose Saved file you will have the possibility to load a set of banks that you will have saved beforehand with a bvd extension see above 12 11 BANKSCOPE PRESENTATION SOFTWARE 12 1 3 3 RETRIEVING SHAREHOLDER AND SUBSIDIARY DATA WITH THE ADD IN FORMULA In addition to financial data shareholder and subsidiary data can also be accessed via the Add In To do so the Add in formula needs to be adapted as follows BvD GetCdData32 BANKSCOPE Index Number Currency Unit Indices Line Number following numbers will replace the Line Number parameter according to the type of information you wish to display Do not forget the minus sign Shareholder s Data Line Number Subsidiary Data Line Number Shareholder s Name 501 Subsidiary Bank 511 Shareholder s Country 502 Subsidiary Country 512 Shareholder s Direct Percentage 503 Subsidiary Total 513 Percentage Shareholder s Total Percentage 504 Subsidiary Source 514 Shareholder s Source 505 Subsidiary Date 515 Shareholder s Date 506 Subsidiary Total Assets 516 Shareholder s Total Assets 507 The Indices e g O for the first shareholder 1 for the second etc replace the YEAR code parameter Example The following formula displays the name of
10. 2 13 Bayerische Landesbank Girozentrale 263 290 140 1729998 DE 14 Commerzbank AG 145 375 804 493 97999 DE 5 15 Cr dit Agricole 455 750 732 64999 FR 1 16 Deutsche Bank AG 145 FOR O45 278 394999 DE 1 17 Deutsche Bundesbank 221 523 2001 124995 DE 18 Dresdner Bank AG 145 424619512 949999 DE 3 13 Fortis Banking 323 537 561 1249985 BE 20 Generale Bank G n rale de Banque 243 222 604 129998 BE 1 21 Groupe Caisse des Dep ts 170 795 487 1241998 8 22 Halifax PLC 203 657 406 64999 728 23 HSBC Bank 169 966 391 64999 GH 8 24 HSBC Holdings Plc 475 546 000 64999 1 25 ING Group Internationale Groep HV 460 768 716 64999 4 26 Bank HV 163 065 276 641999 BE 2 41 Format Sort Delete Associate Peer Groups Va 36 Banks Sorted by Bank s Name Ascending FITCHIBCA Figure 21 BankS cope List 8 x um Fille View Options Edit List window Display Help _ x Search List Report Peer Analysis Statistical Analysis Format of the List joy x Index E Hame of the Format Delete number Model Global Format Almanij Banca In Sections Header HEADER x Bancn d Ratings Mail Specialisation General ul Sheet PRESS Banque PEL Account Specialization County Specific Barclays _ Memo Lines Index number fe R
11. Boolean Search Delete search step Hodi Search step va FITCHIBCA Figure 102 SAVING LOADINGAND EXPORTING BANK SETS PRINTING 14 SAVING LOADING AND EXPORTING BANK SETS PRINTING 14 1 Saving and loading a bank set As mentioned in chapter 6 above search strategies and bank set files can be saved To do so use the corresponding options of the File menu Figure 102 14 1 1 SEARCH STRATEGIES The extension of the file is srh In this case you save the various search criteria that you have defined When you open a previously saved search strategy the result may differ from month to month as bank accounts are updated 14 1 2 BANK SET FILES As indicated in section 6 6 three types of bank set files can be created Type 5 the file includes all financial data relating to the saved banks This type of file is proposed by default when saving a bank set Such files will be used for conducting Peer Group and Statistical Analyses See Chapter 9 and 10 Type the file includes only the index numbers of the selected banks Group of banks must be saved using this extension for use with BankScope s Add In feature See Chapter 12 Type pgf this file includes a an own peer group which be assigned to one or several subject banks See Chapter 9 NOTE a In BankScope several other types of files are automatically saved without the user making any manipulation This concerns
12. 1998 2000 would display line 2000 which is the line number of Total Loans in billions USD of the Bank Banque Bruxelles Lambert for 1998 12 9 G BvD Add In MEE Description ele Rest Besit Large Banks Countr gt FRANCE zia 2 2115 INCOME Last Available Year Consolidated Statements if LIS Di 4 County ITALY 914 0 EA Boolean Search 1 And 3 amp nd 4011 And 2 And 4 _ Perform 2 Seatch Add Step Search Step Search Strategy BANKSCOPE PRESENTATION SOFTWARE 12 1 3 1 SELECTING A BANK WITH THE ADD IN FORMULA It 18 possible to select a bank and enter its index number directly in the current cell This is done by typing CTRL E The BankScope bank name index 1 displayed When the statement is identified and selected click on OK The index number of the statement selected will be downloaded into the current cell If the add in formulas of the sheet make reference to this cell all calculated cells will be automatically changed 12 1 3 2 SELECTING A GROUP OF BANKS WITH THE ADD IN FORMULA Instead of selecting only one bank you can select a group of banks from Excel To do so press the shortcut key CTRL M A dialog box displays allowing you to select new search criteria or to edit old ones Proceed as you would in BankScope to modify the search and click OK The index numbers corresponding to each bank matching your search criteria will be inserted
13. Bureau van Dijk on the Web Choosing this menu will start your browser and connect Bureau van Fitchratings on the Web About you to the site of Bureau van Dijk Choosing this menu will start your browser and connect you to the site of Fitchratings This option will display the update number of BankScope the drive letter of your CD ROM the Windows version currently installed as well as the resources of your system sa FD MINIMUM REQUIREMENTS AND INSTALLATION PROCEDURE 18 MINIMUM REQUIREMENTS AND INSTALLATION PROCEDURE 18 1 Minimum requirements processor Pentium 100 Mhz or higher 64 Mb of RAM memory 60 Mb of Hard disk free space 7 Windows 95 or later quadruple speed CD ROM drive or higher 18 2 Advisable configuration processor Pentium 200 Mhz or higher 128 Mb of RAM 7 Windows 95 or later 20x speed CD ROM 18 3 Stand alone and Network Installation procedure of BankScope 1 Insert the BankScope CD ROM into a local or a network CD ROM drive If it is a network installation depending on your network operating system either share or mount the CD as a volume 2 From a workstation browse to the contents of the CD ROM and run the SETUP EXE this will start the BankScope setup wizard and display the Welcome screen Use the three buttons at the bottom of the wizard screen to navigate through the setup wizard Click Lu 3 next screen prompts you for the pa
14. By clicking on any of the 13 buttons conducting the searches you can restrict the search with a new criterion Also note that if at the end of a search the name index is called upon by clicking on the button the index will be reduced to the banks complying with the former criteria This index is not permuted At the end of a search click on to view the list of all selected statements sorted by default according to Total Assets for the last available year or by any other sorting key previously defined by the user MULTI CRITERIA SEARCH By clicking Best the report of the first statement selected will be displayed By clicking on s group and peer group facilities of this module will be accessed for the current selection see Chapter 9 By clicking on StatsicalAnalysis statistical analyses will be conducted on the statements selected see Chapter 10 6 3 Modifying or deleting a search step When the cursor 15 positioned on a line corresponding to one of the search criteria used clicking on the button will delete that criteria the results of the search will be instantaneously recalculated clicking on the button enables you to set new parameters for the highlighted criteria BankScope Search View a Search Window Display x World Regions European Union Specialisation Commercial Banks Fitch BEA INDIVIDUAL A A B B MOODY S BANK DEPOSITS LONG
15. Des h if Figura 96 Bevo i I iT an rl An fial Ed T fot m ri of the Manager Portion 10 BANKSCOPE PRESENTATION SOFTWARE Once the Wizard is installed click on Tools then on Add Ins then Bureau van Dijk Scoring Wizard The dialog box illustrated in Figure 94 will be displayed Click Select a Bureau van Dijk Database The dialog box in Figure 93 will come on the screen All BvD CD ROMs installed on your machine will be available in the drop down menu Select BankScope and click OK Click Select the Period s The Periods to be displayed in Access will be shown If you want to modify these click the Change button and then Close Select the units and the currency in the drop down lists then click Net Click the appropriate check boxes to specify what sections have to be created in the model e g Quantitative Qualitative and or country sections Specify a weight for each of these sections used to compute the final score and click Selection of the Variables to specify what variables have to be included in each section refer to Figure 96 NOTE The Wizard will add two tables to your Access database the name of the first table is BankScopelds and will contain the user data relating to the banks which have been scored the name of the second table will be CountryBankSc
16. Pee Groups Online Punt Fiene Pint hun Date Figure 106 OPTIONS AND FILE MENUS e modify exchange rates Choosing this command will display the dialog box illustrated in Figure 105 First select the base country and the destination country of the currencies for which you want to input a rate Click just beside the proposed exchange rate and type in your own value Clicking on Will allow you to insert a closing date that is not present in the table Ticking the Fixed rate apply to all years check box will set for all years the exchange rate you typed the box 15 3 G Mene program files gt common files E gt system mapi Scope set Figure 107 To form or undo links between companies and Peer Groups GROUP GROUP FRENCH FRENCH FRENCH FRENCH Banca Itala Albanese Banka Itala Shqiptare Bank af Albania Banque Mationale de Paris Cr dit Agricole Groupe Caisse des D p ts Soci t G n rale E E E E E E IEW Figure 108 OPTIONS AND FILE MENUS 15 2 The menu This menu illustrated in Figure 106 which has already been mentioned often in this manual enables you to b d e g h 1 k save or retrieve a search strategy or a bank set file
17. A clear distinction must be made between a Peer Analysis and a Statistical Analysis A Peer Analysis compares a bank the Subject Bank to the median the quartile the deciles and or the average of a Peer Group or to a given set of individual banks The Subject Bank may or may not belong to the Peer Group A Statistical Analysis studies a group of banks without bringing to the fore any particular bank of the group 9 2 Typology of Peer Analysis Three types of Peer Analyses can be conducted according to the entities used for the comparison that we call A B or C Peer Analysis A the items selected for the Subject bank are compared to the deciles quartiles median and or the average of the distribution of the same items in the Peer Group Peer Analysis B ibid but in addition to Group you can add to the comparison a few individual banks that we call Comparison Banks For instance your Subject Bank 1 Dresdner Bank and you wish to compare its values to the median of all German commercial banks but at the same time you want to see the values taken by Commerzbank and Deutsche Bank Peer Analysis C you wish to compare the subject bank to a given set of banks with figures shown for each of them 9 3 Accessing Peer Analysis Peer analysis can be accessed in four different ways when a single bank has been selected and its report displayed by clicking on _Peersnasis th
18. Layout Peer Info Note PG in ES 222 E ND Figure 109 Reuters News You can restrict your search to period to companies Time Period BankScope Companies All Companies quoted Descriptors Text Headlines Word Index Number of stones complying with all the criteria Figure 110 TEXTUAL INFORMATION MODULES 16 TEXTUAL INFORMATION MODULE 16 1 Reuters News Bankscope contains two years of Reuters News taken from the Textline Corporate Database produced by Reuters and relates to Industry Code 181 Banks and Financial Institutions This represents about 65 000 news items An internet connection to a server located in Brussels hosting the news that has appeared since the last BankScope was produced 15 offered to users equipped with an internet connection see Chapter 13 16 1 1 ACCESSING THE NEWS ATTACHED TO A STATEMENT Reuters news can be accessed when a Report is displayed by clicking and on the News section option The list of News items attached to the statement appears on the screen Figure 109 Clicking will unfold the corresponding article A Click on W P will display the list of News items for the next or former selected bank 16 1 2 FULL TEXT SEARCH You can start a full text search in the Reuters Texline database by clicking on in the search scree
19. MINIMUM REQUIREMENTS AND INSTALLATION PROCEDURE 5 You will be prompted to install the Excel Add in for BankScope Click the check box if the Add in is required Click L9 77 6 A list of all the program groups existing on your PC will be displayed choose the one in which you wish the BankScope icon to appear The default group BVD CD 5 will be created if 1t does not already exist 7 The setup will start to copy the BankScope search software onto the network Depending on the specification of the hardware being used this process should only take a maximum of two or three minutes 8 Once the software installation 1 complete you can choose to start BankScope or to simply exit the setup wizard 9 The icon to start BankScope is now available in the program group specified during the installation If you wish to create a shortcut it should be targeted to the SCOPE32 EXE file located in the folder where BankScope was installed 18 4 Specifying the location of the CD ROM The path to the BankScope CD does not have to point to the root of a drive letter You may specify the path to the CD by typing it in the Specified UNC pathnames text box from the Access mode window see Figure 114 which can be displayed by choosing Options Access Mode You can then type one of the following according to your case or click on 1 Path to CD pointing to a folder Ma BankScope 2 Path to CD on a server SERVER BankScope
20. TEE Du o 999 999 Item 399 EI 999 999 teraz 999 999 999999 CompB 1 Year2 2 5 Danke U banks E T Ee am p Figure 103 SAVING LOADINGAND EXPORTING BANK SETS PRINTING 14 4 Formatted export It is also possible to design the layout of the file you want to export by clicking on File then Export to and choosing Formatted Export to This will display a dialog box Figure 103 allowing you to specify the variables to be transferred the layout of the table to be created the years and the currency 14 5 Printing The printing option can be accessed from 2 icon in the top left corner of the screen the Print option from the File menu Several parameters can be specified the print quality 600 300 150 or 75 dpi depending on the printer a fast printing option which will delete the borders and lines of tables that are time consuming to print Note that by clicking on the Print to check box data will be transferred onto a disk so that it can be printed from another workstation 14 5 1 PRINTING A LIST OF BANKS When the list 1s displayed just click on the LE icon or on the Print option from the File menu If banks are marked in the list you can choose to print the marked or the unmarked ones as well as the whole list 14 5 2 PRINTING BANK REPORTS When one or several banks have
21. 200 000 000 145 159 404 th USD 170 793 487 100 000 000 First and last Deciles Included 2594 25 2594 28 Excluded B Excl Incl Units Sort by Name 1994 Display Eomp Gy rai Variables Va 37 Companies out of 3 of the Peer Group provide Information 37 included excluded FITCHIBCA Figure 52 BankScope Peer Report Type Bel ES u File View Options Edit Peer Window Display Help E x Banca Banca Commerciale Raliana ITALY A1 Position of s Key Vareble inthe Quartiles ofthe Group 37 companies Compare with Variables Year 1 D 4 1 Banco Santander SANTANDER SPAIN 22 Total Assets a EM 2 Banque Nationale de Paris BNP PARIS FRANCE C2 Customer amp Short Term Funding 1998 3 Barclays Bank Ple LONDON UNITED KINGDOM C1 Equity Hat Thence Total Assets 372 170 497 USD 1998 Ea ee a th USD 468 157 358 3 450 000 000 50 of the Companies of the Peer Group show a 400 000 000 Value between 170 793 487 and 350 000 000 Interquartile Relative 300 000 000 Interval 0 78 250 000 000 Standard Deviation 145 159 404 th USD 200 000 000 Ja yu ARR sl 150 000 000 First and last Deciles Included 15 25 25 15 Excluded Display Come roy Variables 37 Companies out of 3 of the Peer Group provide Information 37 included 0 excluded FITCHIBCA
22. Assets 100 gt Profit and loss Page break delete the highlighted line creates a total for the items created by the user First highlight the desired items then click this button inserts a dotted line above the highlighted line inserts a single line that runs across the page inserts a double line that runs across the page inserts a blank line just above the highlighted line inserts a title above the highlighted line moves to the right the label on which the cursor 1 positioned moves to the left the label upon which the cursor is positioned changes the sign of the highlighted line displays a dialog box enabling you to change the label the line is still used in the calculation but is not displayed on the screen the programme will set this item to 100 for the calculation of the relative sizes of the Balance Sheet items same as previous but for the Income Statement the highlighted line will be the first to print on the next page Design your own Customized Format Visual Mode Cancel Figure 39 Change name The name of your Customised Account has changed Do you want to Rename pour Customized Account Figure 40 Change model You just changed the model on which vau customised format i based Toy can decide how this will affect pour definitions What do you want to do with model specific tens C jud labels ani C Keep labels and defi
23. Figure 53 PEER GROUP ANALYSES displays a diagram Figure 52 showing the distribution of one variable within the peer group blocks present the values of the quartiles as well as the lower and upper limits of the distribution The values taken by the variable for the subject bank as well as for the comparison banks are illustrated by the horizontal dotted lines A check box allows you to delete lines relating to the comparison banks The interquartile relative interval is the difference in percentage between the third and the first quartiles divided by the median The buttons functions as in the former graph J and have the same It 1 interesting to note the following as a distribution can be strongly influenced by extreme values it is possible to eliminate these values by excluding the first and last deciles of the graph by clicking on the First and last deciles radio button In that case a graph similar to Figure 53 is obtained BankScope Peer Report Type ME E 2 File View Options Edit Peer Window Display Help x ST cesen Bcr StaisticalAnalsis f Banca intesa Banca Commorciaie Hallana Past Evolution in Indices of a Key Variable compared to 3 Companies and to Group 37 companies Compare with Variables Base Year Poor group United 2 Banque Nationale de Paris PARI
24. Sih Ones ad nag nee LITE il ELE ee El 7 jeje a 139 Figure 8 Banque Peet BP Lorca ard Sherer il hoe EUM MERIT BALANCE SHEET Tra Amerie 324 52 EUR IL Espot 12 022 ELA D es Erro Asante Ue E ST Fund 255 Ind Total zr j 1 1 169 308 ELF dera 12241 REPORTS Height graphical illustrations are associated with a bank report To display those illustrations simply click the following icons displays the illustration of the Balance Sheet see Figure 7 along with two structure ratios the Total Capital Ratio and Liquid assets Cust amp ST Funding which are compared to the median of the Standard Peer Group or the Current Own Peer Group if there 1 one associated to the bank displayed The figure between brackets next to Peer Group indicates the number of banks of the peer group for which a value of this ratio is available By clicking the arrows of the button 1999 gt you will display the same illustration for the previous or the following years displays the illustration of the Income Statement see Figure 8 along with two ratios Return on Average Assets and Return on Average Equity Both are once again compared to the median of the Standard Peer Group or the Current Own Peer Group see previous paragraph Di
25. i E ven y 1 F ha 2 4 1 nt s TIT A Figure 67 OTE in hands bafenpes was 3 Don n 3 Treasury ter 160900 15 200 0 T 040 ne or 120000 ix o Figure 68 INPUTTINGAND MODIFYINGDATA 11 INPUTTING AND MODIFYING DATA 11 1 Introduction This module will allow you to add your own information in BankScope if necessary It can be accessed by the Own data option of the File menu A dialog box illustrated in Figure 66 presents the right the list of banks that have been added or modified on the left the following four buttons iras euge enables you to add a new bank to BankScope Modify Company Ses allows you to modify the data supplied on BankScope or to add one or several years of data ee same function but for one of the user input banks listed click first on the line desired in the list Remove company oa delete after clicking the desired line a bank from the list If you add a bank or input data for an existing bank your work is saved in the user directory You will not affect the content of the CD itself 11 2 Adding a new bank to BankScope Add 4 new Company Clicking on orice displays the dialog box in Figure 67 that allows you to specify the identifiers of the new bank When this is completed click corresponding dialog boxes You must then s
26. sections you want and check the box Keep this format as your current format if you want to establish that format as your default The Standard format which is presented by default 15 made up of the following sections Header Rating Global Standard Ratios Spreadsheet Banking Subsidiaries Shareholders and Reuters News When either the Global Summary or the Global Detailed format 1s displayed clicking in front of any line breaks the line item into its more detailed components For instance if you click on the Loans line of the Global Summary Format you will display the various lines corresponding to the associated Spreadsheet Format Figure 16 If you now click on any of these lines you will see the breakdown of the spreadsheet item into the lines of the Raw Data Format To view the line numbers choose Report Show Account numbers from the menu bar A printed or transferred presentation will retain the opened items BankScope Report Ele View Options Edit Report Window Display Help alt Je LS rss ne Banque Nationale de Paris BHP SHAREHOLDERS Any bank with is statements Js underlined Bank AXA LIAP EMPLOYEES PUBLIC INSTITUTION FOR SOCIAL SECURITY OF BLAS IT PECHIMEY RENAULT SOGELFA GROUPE ELF B A T INDUSTRIES VIVENDI KUVAIT INVESTMENT AUTHORITY GENERAL ELECTRIC FINANCIERE amp
27. 197 1996 8 Bayerische Hypo und Vereinsbank IAS C2 1998 1997 1906 9 Caisse Nationale de Cr dit Agricole CNCA C1 1998 1997 1996 10 Chase Manhattan Corporation The 1908 al Excl Incl Currency Variables Format Years Position 661 973 111 632 640 424 33 740 055 504 566 043 657 855 768 653 776 008 378 980 859 999 817 296 355 290 351 353 295 525 314 463 197 16 184 007 994 295 625 374 463 197 906 184 097 521 335 837 453 008 843 402 372 641 473 773 612 425 199 660 1 1 1 2 1 4 4 2 2 3 68 734 757 81 600 309 40 472 425 677345 171840 402 715 404 298 145 938 262 660 164 777 915 91 64 932 644 281 816 528 20 121 707 261032564 281 816 578 738 585 020 373 84 557 783 4D6 553 320 357 595 305 042 744 346 821 511 22437000 Sort by Name FITCHIBCA lelx F x Equity Income th USD th USD 1793890 12 16 287 454 3 16 678 733 1 20589 4598000 14 516501 21387000 4 auro TOO 2 2374 5 3030510 4 12 539 1 16 210 447 3 6019 6 21 549 335 4 9 215 6 73932 08 4 18 828 917 4 4 177 1 MSTIO52 4 4017 140666 2 1364 7 11795308 2 10595 12 156 560 1 7924 353155 WM 2 2957 1306903 2 11941 4 12882685 2 2 8828 13631675 l 2 295 130595930 2 1 941 5 128825685 2 2 852 8 15 46 59 3 2315 12361 31 2 13 555 770 1
28. Bl 1 Banco Santander SA SANTANDER SPAIN C2 El 2 Banque Nationale de Paris BNP PARIS FRANCE C2 rer Short Term Funding i IB 3 Barclays Bank Ple LONDON UNITED KINGDOM C1 Equity si Hat Tuna Total Assets thousand USD th USD 350 000 000 300 000 000 250 000 000 200 000 000 150 000 000 Std Dev 100 000 000 Subject Comp Median MN Average BM Std Dev ST 50 000 000 Excl Units Sort Mame 111994 Display Tat Variables fears a 3 UNE out of 37 of the Peer Group provide Neue 37 included 0 excluded FITCHIBCA Figure 51 PEER GROUP ANALYSES Four graphical illustrations are associated with a comparison table These can be displayed by clicking on the following icons 1 displays a bar chart Figure 50 which illustrates the evolution of a variable for the subject bank compared to the values taken for this same variable by the comparison banks case B and C and by the median of the peer group case A and B In this last case the average and the standard deviation can be added to the graph The button which lets you exclude banks from the peer group is always N The var able under study can be modified by clicking the upper right pane of the window The set of variables available for the illustration can be modified by clicking on E The button enables you to change t
29. BvD Add in The dialog box in Figure 69 appears It allows you to specify what data will be imported and how it will be imported Variables choose the variables you want to import fom the list The New Set button allows you to select other variables the set will be saved automatically Periods by clicking the Change button you will have the possibility to select the years fixed relative interim to be displayed on the spreadsheet Cell options If you tick the Updated values radio button the spreadsheet will be automatically updated whenever you open Indeed in this case every cell contains a formula with the following structure This file needs to be installed during the setup procedure of BankScope see Chapter 18 5 aT E Wine eee s 1297 1007 12 120 000 11 323 500 300 aad 13 245 592 TED 39 gon x 16 10 E 28 x 8158 4 20 AT 24 rit 658 100 1 122 000 6014300 200 3 48 12 u 55 56 296 0 50 13 08 Bi 45 x 33 43 35 43 43 x 48974 1 32 e 115 200 700 B 34D 200 rer Sheet Taare Fendi 3 Esuity H mi 1 301 Lean Loss Reserve Geo Loam 3 4005 Taal Hase 4005 Equity Total Ases Capital Funds Linkin 8 318 baire Margin A004 Average Assess 4005 es Expalty NE Qo te nama Hats 1
30. IMMOBILIERE MARCEL DASSAULT H FFMANN LA ROCHE COMPAGNIE DE SAINT FOBAIN ELF AQUITAINE Country 720 330 Ownership Direct Source Total BANGUE NATIONALE DE PARIS BMP will merge with PARIBAS PN September 1999 Bank KEI 4 of 4 alv Banque Nationale de Paris BNP Companion Format Layout Peer Info Note PG SSE E Date Total Assets mil USD va FITCHIBCA Figure 18 BankScope Report File View Options Edit Report Window Display Help 1 Statistical Analisis lex BAHKIHG SUBSIDIARIES Any Bank with jis statements in ls Underlined Bank Mame Country 1 BANQUE BRUXELLES LAMBERT FRANCE 2 BANK BRUXELLES LAMBERT SUISSE CH 3 ING BANK BELGIUM 4 BBL AUSTRALIA LIMITED AU 5 BBLINTERNATION AL UKY LIMITED GB BEL JERSEY LTD GB BBL IRELAND IE 8 BEL NORTH AMERICA US 9 BANK BRUSSELS LAMBERT SINGAPORE LTD SG 10 BBL INTERNATIONAL ML 11 CREDIT 54 LU 12 BEL CAPITAL MANAGEMENT CORPORATION BE 13 CAISSE PRIVEE BANGUE BE 14 DE BANGUES CONGOLAISES co 15 SOCIETE FINANCIERE POUR LES PAYS D OUTRE MER CH SFOM 16 INSTITUT DE REESCOMPTE ET DE GARANTIE IRG 17 SEEB RECORD BANK BE 18 BANK MASHILL UTAMA I 18 BANK CARD COMPANY BE 20 MYSA BANK LTD THE Bank 1 ot 1 alv Companion Format Layout Peer Info Note Dir
31. Peer Groups Median Or Averages The standard layout presents the annual accounts in local currency for all the years available with the most recent year to the left You can create as many layouts as you wish To create a layout click the button The list of existing layouts appears the current layout is marked with a The item New layout comes first on the list If you click on it a dialog box will appear Figure 20 which enables you to customize the columns of your speadsheet Select first the type of figures then the year and finally click DJ By selecting Last Interim Interim 1 etc in the year box Interim figures will be displayed when available To create a spreadsheet entirely in US select New Layout and name the layout USD Check the radio button Money values in a reference currency Nominal Value enter USD in the ISO code box select Last Year through Year 7 by highlighting those years and clicking on DJ Click ok This column layout will now be shown as USD on your Layout menu for use with any bank More than one currency may be combined in a spreadsheet using this principle If the radio button Money values in a reference currency Inflation Adjusted 1s selected all financials of that column will be recalculated in order to get rid of the inflation effect and to present the accounts in real terms Financials will be presented at the money value of the last available year the Consumer Price Index comi
32. Saving a bank set enables you to retrieve the identical group of banks at a later date as you save the index numbers of the banks and not the criteria To save your bank set select Save the bank set from the File menu A dialog box will appear where you must give a name to your bank set It will be automatically given the set file extension but you can change this extension depending on your needs MULTI CRITERIA SEARCH Three types of files can be created Type set the file includes all the financial data relating to the saved banks Such files will be used for conducting Peer Group and Statistical Analyses See Chapter 9 and 10 Type bvd the file includes only the index numbers of the selected banks Group of banks must be saved using this extension for use with BankScope s Add In feature See Chapter 12 Type pgf once the file is saved with a pgf extension it can be assigned as Own Peer Group to a bank or a group of banks See Chapter 9 6 7 Saving a Peer Group Choosing File Save the Peer Group will allow you to create your own peer group on the basis of the result of your search and to associate the peer group to the banks retrieved after this search or to additional banks You can afterwards manage your peer groups and associate other banks to them by choosing File Associate companies to existing peer groups for more details see Chapter 15 The file will be saved in your User folder wit
33. cumulated variable of a given percentage of banks of the group For example the first 4 banks 20 of a group of 18 banks represent 35 of the Equity figures for 1998 The bank highlighted in the top window is shown on the curve by a blue stroke The area between the Lorenz curve and the diagonal of the diagram 1 measure of the degree of concentration presented within the group for the variable under study displays a bar chart Figure 63 presenting in descending order the values taken by the variable for the different banks of the group A vertical blue line indicates the position of the bank selected in the upper window 10 5 G BankScope Linear Regression File View Options Edit Regression Window Display Help MEE _ 18 x ST cesen Bcr StatsticatAnalsis g ImdepVa Diependent Variable th USD th USD Banco America do 5l 5 4 Banco Bandeirantes 5 Banco am 1 656 791 1 7 m 270 306 T 2 888 687 3 097 994 2 747 476 4610444 3 078 019 3 833 686 1 900 484 m m Customer amp Short Term Funding 1997 th USD 60 000 000 50 000 000 40 000 000 30 000 000 20 000 000 10 000 000 0 20 000 000 Excl Incl Currency Variables 40 000 000 60 000 000 Sort Company Mame 20 000 000 100 000 000 Total Assets 1998 th USD Va 54 Compa
34. daily or periodical financial press An average of about 5 news articles related to modifications the ownership of banks 1 published per day information collected from other published sources with authorisation by the information providers concerned telephone calls made by an independent research company to follow up some institutions information collected from the other databases distributed by Bureau van Dijk Some of the banks listed have their total assets indicated for the last available year and are displayed in bold and underlined A click on one of these banks will bring you to its report allowing you to navigate within the shareholders and subsidiaries database A click on the 88 button will bring you back to the first bank selected Year 7 Interim 5 Last Interim Interim Interim 1 Interim Interim Interim Interim Pe date zr CET RESTE E d Rates Ulea fe W COR p s lt i Pe Figure 20 REPORTS 4 3 The Layout button In BankScope the term Layout refers to the column structure Editing the column layout using the Layout button allows you to determine currencies of data apply exchange rates show year to year variation or relative size view interim or year end data These types of figures are available for individual banks or
35. de Broe team Source LBA Date 11 307 999 Companies Quoted BANGUE BRUXELLES LAMBERT BREWIN DOLPHIN BELL LAWRIE LTD LONDON Moy 30 Reuters Stockbroker and fund manager Brewin Holdings said on Tuesday it was paying 12 million pounds to acquire part af Wiliams de Eroe s private client business The deal to be financed largely by a share placing involves 11 fund managers and five other staff who have operational responsibility for 400 million pounds of funds under management Brewin Dolphin whose shares gained 3 75 percent to 805 pence also announced 57 percent jump in pre tax profits to 17 5 million pounds in the year to September Dividends for the year were increased by 30 percent to 13p a share London newsroom 44 171 542 7717 fax 44 171 583 3769 uk equities newvsireuters com C Reuters Limited 1999 gt 2 10 20 4889 EU EU confirms bank raids Heths Belgium Ireland gt 3 0945 1999 BELGIUM BBL takes stake in Int l Brachytherapy gt 4 09 03 1999 BELGIUM BEL says in talks with Daewoo over loans gt 5 07 30 1999 UK Merrills best FTSE100 results forecaster survey gt 07 28 1993 UK BBL Int l Finance sets 50 min euro four year bond gt 7 062411999 UK B Cars prices 450 million euro ABS gt 8 06 23 1999 BELGIUM BBL launches investment fund with humanitarian aim Bank pepe e Jo of Banque Bruxelles Lambert s 4 n v BBL 411 gt l Companion Format
36. deciles of the peer group see Figure 11 this graph can be displayed for the same set of variables as those used for the graph in indices Figure 10 It is an interesting complement to the latter the graph in indices shows the evolution of the selected variables compared to the values taken for a reference year The second graph Figure 11 shows the same evolution but compared to the deciles of the standard peer group Therefore a variable can increase in the first graph but remain steady in the second meaning that in relative terms the variable has undergone the same growth for the bank as for its standard peer group If the growth for the standard peer group is greater the variable will increase the first graph and decrease in the second displays the graphical illustration of the shareholders and the subsidiaries see Figure 13 This illustration can be extended or reduced by clicking on gt lt V in the tree Clicking on will display the snapshot of the bank in the box and will display relevant information concerning the changes in shareholders and subsidiaries issued in recent press releases Note that the layout of the illustration can be customised by clicking on the button see Figure 14 the number of levels displayed vertically as well as the number of banks per level can be freely specified 29 the information to be included in the boxes can be selected as well as the fonts to be used the number of p
37. dependent or independent take extreme values 10 8 Group Reports BankScope s group reports produce tables in which the banks are listed in the rows and variables or years in the columns one variable for several years several variables for one year several variables for several years A report of the third type is illustrated in Figure 65 Besides the standard buttons Currency Variables E you will find two other buttons the button allows you to include in the table any information from the Header section including the rankings and the ratings 5 STATISTICAL ANALYSES the LEen button allows you to display between brackets the position of each bank in the deciles or the quartiles of the group for any selected variable The ranks can also be displayed You can also select in which column of the report the position has to be displayed the sort drop down menu allows you to present the banks in alphabetical order or in descending order according to the selected variable for any year available The button enables you to select a pre defined set of variables or to create a new one The button enables you to select the currency the units and the type of used exchange rates official or own rates 10 9 G Lud Tse te tal _ 1 Figure 66 Enia the gara al Ina Den ie Compa a ER de ut EI A Sa
38. dialog box presents the index of countries Just type in the first characters of the country s name and the index will highlight the line starting with this string Click on to select the line and on wj to validate the search n the case of a search by world regions a dialog box displays a list of world regions Just click on the regions you are looking for Click on 121 to select the region s and m to validate the search n MULTI CRITERIA SEARCH 6 1 5 SEARCHING BY SPECIALISATION Two types of specialisations are available in BankScope the general specialisation and the country specific specialisation A general specialisation code has been assigned to each bank based on the annual report These codes have been grouped into 12 categories defined as follows Commercial Banks Savings Banks Co operative Banks Real Estate Mortgage Banks Medium and Long Term Credit Banks Investment Banks Securities Houses 2 Islamic Banks Non Banking Credit Institutions 2 Specialised Governmental Credit Institutions Bank Holdings and Holding Companies Central Banks 2 lateral Governmental Banks The country specific specialisations are available for the 15 EU countries as well as for Switzerland and Japan For banks of the EU and the EFTA countries the Official Journal of the EU supplies a classification of the listed banks according to their specialisation These categories vary from one co
39. group Case C allows you to exclude from the table one or several banks displays a menu that enables you to select a presentation made up of the currency the units and the type of exchange rates official or own rates or a previous presentation If you click New presentation the dialog box shown in Figure 47 is displayed ay of Ihe parameters of lhe a i Figure 48 Banko cope Pee pe Al hus Pen Te ur Bees El ch Tar E FA 1 HER ES ee oon Far mr ak pj ee ee eee Comos ce of Key Varies eth ibe Mado S avenge of he roug 17 comprales ys y El aa 1 ce 3 gds IS Figure 49 Variables Years Parameters Comp raw Table PEER GROUP ANALYSES allows you to select a set of variables financial data or ratios for which the comparison will be carried out or to create a new set of variables this is also possible via the Option menu see Chapter 15 displays a dialog box that enables you to select the years for which the analysis will be carried out This button displays the dialog box in Figure 48 It allows you to choose what parameter rank decile quartile you wish to display for each variable and what values should be displayed for each variable median average standard deviation etc This button allows you to toggle the
40. is in free access Please consult your IT department to confirm this If you access Internet via a modem please select the appropriate connection to your Internet provider This connection must establish a connection to your Internet Provider Note that the Networking module must be installed from Windows If it is not installed open the Control Panel and click on the Add Remove Programs Icon Go to Windows then to Communications Click on Details and select the Dia Up Networking Icon For more information please refer to the Windows Manuals Click then to validate your selection BankScope will restart and use the data directly from the Web instead of those found on the CD ROM It must be stressed that this is not a download of information but a direct access to an updated database located on our server Important note A browser version of BankScope is also available at www bvdep com Please contact your local account manager for more information 5 BankScope Search File View Options Search Window Display Help Nen Seach eae Load a Search Strategy L Save The Search Staten Open a Bank Set Seve the Bank Set Merge two Bank Sets ee Seach Associate Companies to existing Peer Groups Result Result Seve mage Export Send ta Online Print Print Preview Print setup setup Own Data E xit
41. no credits will be deducted Handbook On monthly basis this section provides information about updated countries the production schedule and an alert sheet You will be requested to insert a Credit Diskette to access the information but no credits will be deducted Publishing Schedule displays the publishing schedule of each surveyed country This option 1 free of charge Rating Definitions displays the definition of the ratings used by the Economist Intelligence Unit 5 17 The Help section can be activated by clicking the Help item from the menu bar Clicking on this option will display a menu with the following options What is new in BankScope This section features the innovations on BankScope for this release and preceeding ones Any change in the FITCHRATINGS formats will also be indicated in this section If you have any customised formats related to the amended FITCHRATINGS formats please adapt them accordingly Contents This option is an electronic version of the present manual Clicking on any section displayed in green will unfold more detail Coverage This section gives you the coverage of the current update of BankScope It includes several tables presenting the number of statements broken down per last available year the number of banks broken down per last available year the number of banks broken down per Specialisation
42. or several individual banks The procedure is the same as in section 9 5 except that you do not select a peer group 9 7 Buttons and Icons at the bottom of the comparison tables Below the comparison tables there is a menu bar with nine buttons and four icons SJE Case A if several subject banks are selected clicking on this icon will display the table relating to the former or the next bank The peer group remains the same except if a default peer group 1 used in that case the default peer group corresponding to the subject bank will be used Case B and C the button rotates the subject bank and the comparison banks Case and displays a dialog box that enables you to exclude and re include one or several banks of the peer group Such a dialog box 15 shown in Figure 46 A bank 15 excluded by double clicking just in front of the name The sign becomes You can select several banks at once by holding the button of the mouse and by clicking on Exclude from the selection The excluded banks can be saved in a file by clicking on the Save Companies button and by giving a name to the file The original bank set will remain unchanged The banks of the list can be sorted alphabetically default sorting or by variable for any of the available years Remark this button is deactivated if the peer group is a standard peer group because in that case it is not possible to exclude banks of the
43. statement Any marked or unmarked statements of the list can be deleted by clicking on the ete button Note that you can choose to display print or transfer only the marked or unmarked Statements 5 4 Associating a peer group to a bank e button allows you to display a dialog box Figure 24 allowing you to associate an existing own peer group with each of the banks listed For more details on the use of own peer groups please refer to section 6 7 MULTI CRITERIA SEARCH 6 MULTI CRITERIA SEARCH It is possible to search for one or several banks by name see Chapter 3 It 1 also possible to search for one or several banks by their Swift numbers their Nicknames or their Index Numbers Finally it is possible to select a group of banks by combining some or all of the following criteria geographic location specialisation large banks financial data ratings affiliations updated statements miscellaneous see section L These criteria can be combined by using and operators which are used by default or by using any other combination of the Boolean operators or and and not see section 6 4 hereafter 6 1 Description of the Criteria Available The different criteria can be accessed by fourteen buttons that appear at the top of the screen when clicking on Search 6 1 1 SEARCHING BY BANK NAME The search by Bank name has been de
44. 00 154 536 000 12027 Dar ii mm 1 DLE 270 E BA 121 105 4577 3E 13 252340 Figure 72 Socket Gee 515 000 718 507 000 11 430 000 1 0016 000 422 75 514 110 LIT 110 1403 HES 51 70 55 ficos 300 842 200 111349710 22 649 100 3 053 000 450 1100 530 155 1 97 054 456 EIES NE 118 272 500 3 718 100 912 500 039 ELIA e Od 0 64 m ge 70 52 Y 14 D EB BANKSCOPE PRESENTATION SOFTWARE BvD GetCdData32 BANKSCOPE Index Number Currency Unit Year Line Number Sheet creation Presentation Search Add Step Generate NOTES where every parameter except the first which is the name of the database refers to a cell on the sheet in absolute reference for example the formula in cell DIO from Figure 70 BvD GetCdData32 BANKSCOPE A 4 A 1 A 2 D 5 B10 depending on the radio button you tick all on one sheet the resulting sheet will extend vertically 2 dimensions per sheet you will have several sheets as a result all in one table the resulting table will extend horizontally the layout of the resulting sheet will change You can preview the result just below the radio buttons Additional options may be specified thanks to the other three radio buttons to the right allows you to define the units and the currency of the figures to be displayed on yo
45. 14241995 31727994 34424883 31727992 30 bil EUR bil EUR bil EUR bil EUR bil EUR bil EUR bil EUR BALAHCE SHEET Assets 30 4 DEE ci CD NE 23 0 gt 1 Loans and advances 5 years Ta 5 0 FA B 8 B B 2 n a gt 2 Loans and advances 1 yr lt 5 yrs 41 4 4 3 9 3 5 40 4 2 n a gt 3 Loans and advances 1 year 20 2 24 2 19 4 20 7 15 0 147 n a gt 4 Customer loans n a n a n a n a n a n a 23 0 gt 5 Loan Loss Reserves n a n a n a n a n a n a n a gt Other Earning Assets 57 2 58 9 53 8 44 7 347 35 6 33 1 gt Total Earning Assets 97 0 95 4 84 2 75 7 60 5 60 7 56 0 gt Fixed Assets 1 2 1 2 1 1 1 0 1 0 1 0 1 0 gt Hon Earning Assets 6 1 5 9 4 1 3 3 2 1 3 1 3 2 Total Assets 104 3 102 5 89 3 79 9 64 2 64 5 60 2 Liabilities amp Equity gt Customer amp Short term funding 92 1 92 1 81 3 73 2 87 8 58 4 54 3 gt Other Funding 25 21 1 7 1 4 1 3 1 2 1 0 gt Other Hon Interest bearing 6 1 5 1 41 3 4 3 3 3 4 3 3 gt Loan Loss Reserves n n d n n n d n a n b Other Reserves n n d n n n d n a n gt Equity 3 1 2 6 2 3 2 0 1 8 1 8 1 6 gt Total Liabilities amp Equity 104 3 102 5 89 3 79 9 64 2 54 8 60 2 Ella Bank pee of 1 Banque Bruxelles Lambert s a n v BBL EN Companion Format Layout Peer Info Note Fa Asa E Ij 5 26 lese lem 2158 Figure 16 Design yom o
46. 18 27 E 3 ___ _ HE Eich He he isa dual T 1 ES king Fi a de Hok ngr A Agora A um da EL ex vx el Iz D E Ears Thurs Hibah iud Lii 000 104 41 52 l kiet Pari oC Cos CT 1650154 i TEL EE nos ade aa z 543 p Th mer fI ss Baal Ll DAE Baz TE e L Lid a eM m E Uer rem D a ra pul E Lieren Bank Ld ray xi aO aei E Amm Hoan HT ar 901 ESHI 3 14 Baii de Rar BH Hue EA 72 FARE ne Le ist Perne iraa DTI Tul 331 vi LER Le pour CACA 225 771 MENOR E 74 ANLE 3171 Ax au 23x Iona DE nr nib ie Corer p 1154 Sea aS xj Hal Carre varias E Pa Karen rem o A a Forat Figure 60 Figure 61 Estres ered pole Air eee bin re em Dee Edi Lower inden Deren imi xj 02772 sem mem ammo ECO ETA 1 TAE e S
47. 2 30 Hei Loans Total A3 Mei leans Custer A ST Feeding Liguid Assets Coal ST Fundiss T3 2280 Bayerische Hyp Wan lA pas 445 525 200 415 910 400 za na inte mations Grespn Pace Hi RV Wircaya 3504 qu 500 13249 100 281 SE 100 128 120 m 220 20 500 Commesriask AG 145 Xn 453 300 MU HSBC Pic AT 744 TA 455 320 356 561 13 1998 1557 qH3T 1925 1295 21304 Gras lita atic ae Keen Gree Rance Bikes Vinaya Gey 115 400 750 111 384 91 122 000 acp Hayeischo tell art io Lr PAS 276 956 200 250 Ee en AG 85 HF 4 600 119 4159 400 Hetdings Ple J10 971 223 32 217 2 1958 1950 1087 TE 1996 209 198 100 134235 400 415 148 200 Figure 71 35311 10831 1115 Hamp Grepe Caisse Maligna de T 2125 IESU Caste Sion Tenn B 2 15 Mat AIT Loan Less Gress Loans 4008 m Capel Equity Tabl isses 13 2016 Camini faia 15 1018 Mel interest Morin 4024 Average Aso 7 402 Return feeerane ERE 1129 Cao laca Asilo ES Met Lars Total 103 1 97 400 11 620 700 i sr 107 FB eria 033 050 10 29 5897 3 58 31 ERES Pare 134 416 0
48. 450 4 393 0 391 5 385 5 375 7 373 4 369 0 2060 Total Liabilities amp Equity 15 566 2 23 130 5 16 969 4 15 403 1 13 948 1 18 088 1 17 798 8 2065 Off Balance Sheet Items 456 3 9 314 4 3 196 4 1 468 4 1 575 9 2 598 4 1 245 6 2070 Loan Loss Reserves Memo n a n a n a n a n a n a 44 2 2075 Liquid Assets Memo 6 262 1 13 184 0 9 561 8 7 303 6 10 316 0 9 226 3 4 496 3 Bank Maal of 1 LBS Lusembourg 5A 4 Compania Format Layout Peer Info Note Es in EY a E FITCHIBCA cd Figure 4 REPORTS 4 THE BANK REPORTS In this chapter we will review the various types of bank reports as well as their associated graphs In BankScope a Report is defined as a financial statement either alone or combined with any other information available for a bank ratings address Reuters News etc 4 1 The Report Screen A report may be accessed in several ways by performing a search by name by double clicking on a bank in a list of selected banks by clicking on the Report button at the top of the screen Two examples of Reports may be seen in Figure 2 and in Figure 4 At the bottom of the report screen you will find a toolbar showing 10 buttons and 8 icons described hereafter Bank 44 elis allows you to go to the first previous next and last selected statement If you want to go to a specific statement type its number
49. 8 AH ii up BIFROCRE DIT BANE ART EMGESELLSCHAFT ol Bard 4 AT 20 00 x AH 1745 EE 115 anu Mod ont ol Bones nones BELGII BRLIKELLES LAMBERT HEL compar m Har rad Banks BARJE IKTERKATBIMALE LUXE HHE LU AG Bardia eet nu A Mog ee set ol nne G H RALE DE in the ze ol GEMERALE LU 1 00 PE DM iri Hs oet o GEMERALE KREDETHAKK Kp Posen mte ped Banks Hark Su bank aer and Aat mt of Bark Fel RAH INTERZURTEEMTAL RAYE LIHIT IE 75 nox MAT Figure 31 Affiliations between two Banks Figure 32 MULTI CRITERIA SEARCH 2 Searching for the affiliations within a given set of banks After selecting a pre designed file of banks this search enables you to identify the banks in the file with financial links Figure 30 shows the dialog box that enables you to decide on the level of percentage of interest to be considered in order to be included in the search Figure 31 illustrates the result of such a search six affiliations within a set of 189 banks having an A AA or AAA FITCHRATINGS rating Affiliations between two banks Select two banks then in the dialog box shown in Figure 32 define the minimum per
50. 919 3 10 765 928 1 981 9 10 859 552 1 7230 Bm 4 F Va 129 Companies out of 30 provide the Information 29 included 0 excluded de FITCHIBCA Asa 5 viia AV Coss Ea e ae 1 90 946 Figure 65 ES 14 43 STATISTICAL ANALYSES 10 7 Linear Regression This module calculates the linear regression between two variables which can be specified among a set of financial data and ratios by a dialog box for any year available A table shows the values observed for the independent variable observed and calculated for the dependent variable as well as the correlation coefficient A diagram Figure 64 illustrates the regression The bank highlighted in the list at the top of the screen which can be sorted either alphabetically or in descending order according to the value of the dependent or the independent variable 1 represented by a blue point in the diagram Conversely by clicking on any point of the illustration the corresponding bank will be highlighted in the list at the top of the screen Remarks a It must be emphasised that this illustration is a mapping of two variables on a diagram rather than a regression diagram stricto sensu Indeed experience shows that there are few cases where correlation coefficients are significant b As the scales on the axes are modified according to the values taken by the variables you can improve the representation by excluding banks for which the variables
51. ATION SOFTWARE 12 2 3 EXAMPLE OF FORM CREATED WITH THE ADD IN An example of form generated with the Add In is illustrated in Figure 85 The toolbar will automatically appear along with the form When a form created with Add In is edited all the textboxes displaying data coming from the CD ROM contain a formula which is recalculated by Access whenever one of the parameters in the formula changes 12 2 4 THE ACCESS ADD IN FORMULA STRUCTURE The Add in formula Access has the same structure as the Add in formula in Excel except of course that all the parameters refer to the controls on the form and not to cells on a worksheet Please refer to Section 12 1 3 The Excel Add In Formula for more details on this subject 12 25 alle ign i i i rr rua aa Cum all smm ps caa ATM ala Figure 86 BANKSCOPE PRESENTATION SOFTWARE 12 3 The Bank Credit Report Presentation Software The Bank Credit Report available as an optional subscription allows you to create an instant custom credit sheet for any bank in BankScope 12 3 1 DISPLAYING THE DEFAULT BANK CREDIT REPORT After selecting a bank or a group of banks click the E button at the top of the screen The bank will then appear in a default template as shown in Figure 86 12 3 2 LOADING ANOTHER TEMPLATE You can load different typ
52. BY LARGE BANKS Clicking automatically selects all banks with Total Assets greater than one billion USD for the last available year 6 1 7 SEARCHING BY FINANCIAL DATA It is possible in BankScope to make a search based on the figures related to 37 lines of the FITCHRATINGS Global Format 6 Assets Quality Ratios 11 Capital Ratios 13 Operations Ratios 6 Liquidity Ratios Click first the ES button A drop down list appears allowing you to select the type of financial data e g Assets Liabilities Income Statement etc as well as the variable on which your search will be based When the type of financial data and the variable are selected a dialog box Figure 26 will enable you to 7 set a minimum or maximum limit or both for the variable under study Financial figures must be expressed in million and ratios in percentage 22 choose the year considered in the search 27 select the type of statement consolidated or not by using the drop down menu MULTI CRITERIA SEARCH 6 1 8 SEARCHING BY RATINGS A search can be conducted on the rating values provided by the following agencies FITCHRATINGS MOODY S CAPITAL INTELLIGENCE THOMSON BANKWATCH STANDARD amp POORS Long Term Short Term Individual and Legal Bank Deposits Long Term and Short Term Long Term Debt Financial Strength and Commercial Paper Foreign Currency Long term Foreign currency Short Term Domestic stre
53. FTWARE Any report produced within BankScope may be printed downloaded or transferred into the following formats Excel Lotus ASCII delimited and Multiplan see Chapter 14 However BankScope also offers four additional functions to enable further customizing or mass downloading of data the ADD IN for Excel the ADD IN for Access the BANK CREDIT REPORT Scoring Wizard For Access 12 1 Bureau van Dijk Add In For Excel The purpose of this Add In is to allow users to freely design tables containing bank data in Microsoft Excel All features in Excel can be used to perform tailor made calculations and create sophisticated templates Note that once the template 1s created it can be applied to other banks selecting another bank will update all the information on the Excel sheet A typical example is the credit scoring models Group Reports presenting several banks in the same workbook can also be easily created It must be stressed that the creation of such templates implies a good knowledge of EXCEL and its macro instructions Most users won t be able to construct such models on their own The analysts of Bureau van Dijk will be happy to assist BankScope users in designing such templates Note that a minimum of 2 hours up to a day according to the level of complexity is required to build such models 12 1 G ByD Add In File Language Options Yanables Sheet Creation Standard Mew Set C Al on o
54. S FRANCE C2 EA 3 Barclays Bank Ple LONDON UNITED KINGDOM C1 Customer amp Short Term Funding Equity Hat There Total Assets 300 250 200 150 Subject Comp Median 100 Average 1994 1995 1995 1997 1998 f Std Dev Excl Incl Display Sort by 1984 Wanablez Va 3 Companies out af 37 af the Peer Group provide Information 37 included O excluded FITCHIBCA Figure 54 Eomp Gy Tov BankScope Peer Report Type ME E 2 File View Options Edit Peer Window Display Help 8 x 8 1 en Jrs sacan 1 Banca Intesa Barca Commerciale MALO AT Peer group Untitled Evolution of a Key Variable compared to 3 Companies in the Deciles of the Group 37 companies Compare with Variables 2 Banque Nationale de Paris PARIS FRANCE C2 Customer amp Short Term Funding EJA 3 Barclays Bank LONDON UNITED KINGDOM C1 Equity Hat Tama Total Assets E e m b DO 4 34 ch B 1994 1995 1998 1997 1998 Sort by a Varables AES Excl Incl Display Om Gy va ar Companies out of 3 of the Peer Group provide Information 37 included excluded Gy FITCHIBCA Figure 55 PEER GROUP ANALYSES displays a diagram Figure 54 showing the evolution in deciles of a variable for the subject bank the banks of the peer group as we
55. Size from the BCR menu If you select the Size menu a dialog box pops up to let you specify the horizontal and vertical sizes You can drag the object on the sheet by holding down the left button 12 3 3 5 CHANGING THE COLOUR OF OBJECTS You can define a background colour for all the objects in the BCR To do so right click on the object and choose Background Colour To edit the background colour of the page choose the Options Extra Page Setup from the BCR menu see Figure 89 In this case if you tick the Apply changes to entire document checkbox the new colours will become the default colours for all new templates 12 31 BANKSCOPE PRESENTATION SOFTWARE Further to resizing several objects at a time you can also use the icons to the right of your screen to modify the alignment the size and the spacing among several objects Find below a brief description of their functions ICONS FOR ALIGNING SIZING AND SPACING OBJECTS Alignment Alignment Shrinking to the Smallest Growing to the Largest Evenly Spacing Horizontal Size E Across Left Side Horizontal Le Vertical Size Right Side Vertical Horizontal Size Vertical Size Down 2 Bottom 12 3 4 SAVING NEW TEMPLATE When you have finished designing your new template click L and choose Save as This displays a window in which you can type a name for your new template The file will be saved in your user folder with a bcr extensi
56. TABLE OF CONTENTS 1s FITCHRATINGS DATA FORMATS CHAPTER 1 2 BANKS COPE MAIN SCREEN 2 X SEARCHING BY BANK NAME 3 A BANK REPORTS 4 5 BUILDING LISTS OFBANKS zehn a le CHAPTER 5 6 MULTI CRITERIA SEARCH usa san CHAPTER 6 Ts CUS FOMISED FORMA IS CHAPTER 7 3 USER DEFINED VARIABLES unsre CHAPTER 8 PEER GROUP ANALYS ES 9 10 STATISTICAL 10 11 INPUTTING AND MODIFYING Reese een CHAPTER 11 12 BANKSCOPE PRESENTATION 5 2 2 20 12 IS INTERNETACCE t 13 14 SAVING LOADING AND EXPORTING BANK SETS PRINTING CHAPTER 14 15 OPTIONS AND FILE MENUS CHAPTER 15 16 TEXTUAL INFORMATION MODULES usssssossossossossnssnssnssnnsnnsnnsnnsnsensssnssnssnnennsnnsnnsnnee CHAPTER 16 17 HEEP MEN CHAPTER 17 18 MINIMUM REQUIREMENTS AND INSTALLATION PROCEDURE CHAPTER 18 FITCHRATINGS DATA FORMATS 1 FITCHRATINGS DATA FORMATS 1 1 Input into Raw Data Models FITCHRATINGS input
57. Table button will allow you to open the Countries table with the country scores which have been input by the user fe Show Lourdes Table Puri and Prt Preview The 5 icons will let the user print and preview the model for the displayed Companies Thanks to the bE icon the user will be able to edit the scoring model and change its design location font size colour etc of the objects Alley Edit the Form to Modiy the Layout 12 43 Access Mode Figure 101 INTERNET ACCESS FOR UPDATED STATEMENTS AND REUTERS NEWS 13 INTERNET ACCESS FOR UPDATED STATEMENTS AND REUTERS NEWS 13 1 Accessing BankScope data through the Internet BankScope CD ROM users now have the possibility to extract data directly from the Bureau van Dijk Web Site via the Internet This will allow you to access the updated database of BankScope at any time between two releases of the CD Rom From the main screen select Options Access Mode The dialog box illustrated in Figure 101 will be displayed In order to extract data from our Internet site click on the Internet radio button The type of online connection must then be set to one of the following If you access the Internet via your local area network select the No Dialup Local Network from the Online drop down menu In this case you have to make sure that the port 1001
58. Where SERVER 15 the name of the fileserver or CD tower with the BankScope CD ROM And BankScope is the volume share name of the CD 18 3 p Access Mode Figure 114 MINIMUM REQUIREMENTS AND INSTALLATION PROCEDURE 18 5 Accelerating the start up of BankScope To accelerate the start up of BankScope it is possible to scan a limited number of drive letters to find the BankScope CD To do this type the drive letters in the Specified drives only text box from the Access mode window see Figure 114 which can be displayed by choosing Options Access Mode Example MNO Where MNO are the drive letters to scan for the BankScope CD This 15 an alternative to specifying the location of the CD as described above 18 6 Setting up a workstation If you have installed BankScope on the network you must run NETSETUP EXE from the SCOPE32 folder on each local machine This will allow you to additionally specify a local user directory for each BankSc ope user and will have two consequences the users will have User folders different from the one located on the network a file the AI32 d1l which is necessary for the Add in to work will te copied in the Windows folder This means that if you do not run the NETSETUP EXE it is impossible to use the Add in 186 5 G
59. adio button each item can be taken for year N the most recent year year N 1 the second most recent year or as average for the last two years 7 5 USER DEFINED VARIABLES 8 2 2 SECOND METHOD Just type the formula by using the line numbers of the items once again do not forget the parentheses or to multiply by 100 if the units are in percentages do not type an equal sign to start your formula By default the values associated with year N will be obtained In order to take the values of N 1 type the string N 1 just behind the line number or to take the average of the two last years Note that if you use a constant in your formula it must be preceeded by a to differentiate it from an existing account number In both cases the test area at the bottom of the screen will let you preview a value of the ratio This ratio will be automatically calculated for a realistic fiction bank so that you can check whether the formula gives plausible results 8 3 Associating a limit to a ratio You can assign a lower or an upper limit or both to your ratio if the value calculated is inferior to the lower limit or superior to the upper limit you can specify 29 the value of the limit ns for non significant another value this be very useful if this ratio is included in an automatic credit scoring program PEER GROUP ANALYSES 9 PEER GROUP ANALYSES 9 1 Overview and terminology
60. ages on which the resulting tree will be printed can be set by the user E BankScope Report FitchlB CA Lang Term day do Lp Short Term andar oor Thomson Bank Legal Capital Intelligence Individual Figure 15 REPORTS displays the illustration of the past evolution of the ratings Figure 15 The illustrated rating is selected by using two menus on top of the bar chart window this icon is an optional module that start your browser and gives an online access to the scanned annual reports available on the Bureau van Dijk s website in Adobe Acrobat Format For the Annual Reports containing more than 25 pages you can access any of the 12 following specific sections Letter of the Chairman Financial Highlights Consolidated Accounts Notes to the Consolidated Accounts Report of the Auditors Consolidated Unconsolidated Accounts Note to the Unconsolidated Accounts Report of the Auditors Unconsolidated Ownership Subsidiaries and Branches Management Report Business Review Board of Management Directors Managers BankScope Report BE EA File View Options Edit Report Window Display Help x amp seres gi Banque Bruxelles Lambert 5 a n 1 BBL GLOBAL SUMMARY Unqualified Unqualified Unqualified Unqualified Unqualified Unqualified Unqualified Ungu 31424998 3 31424997 314241996 3
61. al Bank Ple O 0144531 ABN AMARO Magyar Bank Rt HAS O 9 41409 ABN AMAO Australia Limited O 0 24002 AMARO BANK NV O a ABN Amro Bank Branch Q 20050 mra Bank Branch R 40754 ABM Amro Bank Buenos Aires Branch O 37002 ABM Bank Deutschland AG O 0114002 31 4 al O 26018 Display companies Set up or delete links 4 34736 2131033 Add Show Agente 10001 9122553 2 45370 view standard la eid view awn x Cancel Format VA 25 Banks Sorted by Bank s Name Ascending FITCHIBCA Asn E Sir IE gy 59 B 85 mr 1234 Figure 24 BUILDING A LIST OF BANKS 5 2 Sorting a list All lists are sorted by default according to Total Assets for the last available year in descending sequence However you can instantly change the sorting key by clicking on the button which displays a dialog box Figure 23 showing the available sorting variables Select your sorting variable and click oni_ The list is immediately reorganised and sorted according to the selected variable fia descending or ascending sequence as you have specified It is also possible to change the default sort by clicking on the option Default sort from the menu Options at the top of the screen see Chapter 15 5 3 Marking and deleting Banks from a list A click at the left of any line will mark the
62. alled example CASCOPE32 for BankScope When this is done close the Add in Manager window see Figure 75 4 Click on Tools and Add Ins The sub menu will now show a Bureau van Dijk ADD IN item see Figure 76 NOTE Bureau van Dijk Add In will be available the next time you open this Access Database Whenever you want to create a new database template you will have to launch the Add in again see Creating an Access Form combining Corporate Data and User Data 12 17 mre Wan Dgk ALA r3 SEVERE feel p da E in E A gt AI TI Figure Select Database BvD Add In Total Assets Customer amp Short Term Funding Equity Net Income Figure 80 Figure 79 Add in Figure 81 BANKSCOPE PRESENTATION SOFTWARE 12 2 2 CREATING AN ACCESS FORM COMBINING CORPORATE DATA AND USER DATA 1 Once the Add in is installed choose Tools Add Ins Bureau van Dijk Add In The dialog box in Figure 77 will be displayed Click Select a Bureau van Dijk Database The dialog box displayed in Figure 78 pops up BvD CD ROMs installed on your machine will be available in the drop down menu Select BankScope and click OK Click the Select the variable s button The dialog box illustrated in Figure 79 will appear allowing you to select the items you want to display in yo
63. be asked to insert a credit disk 1 your subscription doesn t allow you to access the selected report The selected Reports will be displayed in Microsoft WordViewer or in Microsoft Word Note that the corresponding word files will be copied in your User folder in the CI sub folder 16 9 G Access to Country Reports Production Schedule Rating Definitions TEXTUALINFORMATION MODULES displays a dialog box that enables you to select the country under study Once the country is selected you will be asked to insert a credit disk if your subscription doesn t allow you to access the selected Country Report The selected Reports will be displayed in Microsoft WordViewer or in Microsoft Word Note that the corresponding word files will be copied in your User folder in the CI sub folder displays the production schedule of Capital Intelligence Reports The date of the current issue 1 given together with the date of the next release displays the definition of the ratings used by Capital Intelligence 16 11 TEXTUAL INFORMATION MODULES 16 3 1 The Economist Intelligence Unit Country Risk Service 16 3 1 SERVICE AND COVERAGE The Country Risk Service enables you to make informed and immediate decisions about a country s economic creditworthiness in both the short term and medium term This exclusive two year forecasting service assessing the solvency of 104 indebted countries is now available o
64. been selected and a report 15 displayed it can be printed by clicking on or on the Print option from the File menu You can also choose to print the marked or unmarked reports or both as for the list If you click on the Several companies per page report check box the page break will be suppressed after each report This feature 15 very useful if you print just a few lines e g a Profile format or a customised account Also note that you can print just a selection from a Report click on the first line hold down the Shift key of your keyboard and click on the last line Then choose the Print option from the File menu and tick the Selection rad o button 5 SAVING LOADINGAND EXPORTING BANK SETS PRINTING 14 5 3 PRINT PREVIEW This option of the File menu enables you to see exactly what will be printed 14 5 4 PRINTING COMPARISON TABLES AND GROUP REPORTS OF THE STATISTICAL ANALYSIS When a comparison table or a group report of the statistical analysis is displayed on the screen click on amp or choose File Print 14 6 Deleting Files It is possible to delete customised formats formats of lists layouts sets of variables defined for the illustrations for the comparison tables or for group reports in the statistical analysis by clicking on in the dialog boxes which are of type Format or of variables when the name of the file is displayed in the drop down
65. centage for a link to be included between them in the search This enables you to find out if the two banks are directly or indirectly linked 6 1 10 SEARCHING BY UPDATED STATEMENTS This option allows you to select the statements that have been updated or revised since the previous update of BankScope Click on the Frese button The following menu will appear Y early Statement only Interim Statement only Both Types of Statements Revised Statement Revised Ownership Revised Ratings Revised statements are statements that have been modified either because more accurate or detailed information has been obtained or because inaccuracies have been found and corrected A bank s ownership record is revised if the percentage of an already existing affiliation has changed a new affiliation has appeared or if a new textual message has been added to the ownership record MULTI CRITERIA SEARCH 6 1 11 SEARCHING BY SAVED FILE This option allows you to retrieve any bank set files with extension SET BVD or PGF that have previously been saved The same search can be accessed by the option Open a bank set from the File menu 6 1 12 MISCELLANEOUS Click the button to display a dialog box that allows you to select banks according to the following criteria Bank included in the ranking Consolidation code Currency codes Number of available years Last available year Type of Format Model nicknam
66. cf sections 14 1 and 14 2 above merge two bank set files Clicking on this option will display Figure 107 Highlight the bank set to be merged and click on L 4 Use the same procedure for the second bank set as well as for the output bank set Save the peer group see section 6 7 Associate companies to existing peer groups this menu allows you to associate the banks selected after a search to a saved own peer group It displays the menu in Figure 108 to define a link select both the bank and the peer group then click the Associate button The check box next to the bank name will be ticked Save image file this command allows you to save a graphical illustration displayed on the screen with a bmp extension export a list of one or several bank reports to another software see section 14 3 Send to this command allows you to automatically generate an email message with an rtf attachment containing the list or the report that was displayed on the screen when you selected the command print a list or a report or display a print preview see section 14 4 set up the printer access the own data module see Chapter 11 quit the application 15 5 G BankScope Report ME ES File View Options Edit Repot Window Display Help 8 x Peer Analysis Statistical Analysis Banque Bruxelles Lambert s a n v BBL ete SEN 11 30 1898 UK Brewin Dolphin buys Williams
67. clicking You can also move the lines by pressing ALT and or on your keyboard this operation can also be completed in the make up procedure described hereafter To edit the formula you created for the subtotal select the subtotal and click El again Clicking erstes button will display a dialog box enabling you to create your own ratios also called user defined variables see Chapter 8 These ratios are associated with lines of the format you are building They will not appear in the user defined variables section of a report The Lf button will allow you to retrieve a line containing a specific string or with a certain line number and to position your cursor on it see Figure 37 Subtotal Subtotal line Single line Double line Emptu line tight sian henge label Selinwieible Assels ere ER ipe loss Page break 4 Cancel Delete Figure 38 7 4 Make up CUSTOMISED FORMATS By clicking on this button you will display a dialog box presenting the existing lines of your customised format and enabling you to improve the presentation see Figure 38 The following features are offered Delete Subtotal Subtotal line Single line Double line Empty line Move right Move left Change sign Change label Set invisible 100
68. d Peer Group of the highlighted bank Standard Peer Groups have been pre calculated on the disk The Standard Peer Group 1 made up of all banks that have been input in the same FITCHRATINGS model BankScope Report File View Options Edit Report Window Display Help UBS Luxembourg 5A Hickname LIDBSL Release Date 07 287 333 Bud Humber 26013 Grand Rue 35 38 2 Swift Code LBS LU LL 2010 LUXEMBOURG Country Rank 1997 LUXEMBOURG LU rolling indul Phone 352 451 211 World Rank 1997 462 Fax 352 451 212 700 Rolling 679 Auditors 1998 PricevVaterhouseCoopers Previous Hame Union de Banques Suisses Luxembourg SA Commercial Bank Total Assets 1998 15 566 2 in mil CHF Ho of Employees 1998 245 Unconsolidated Statement LUX Source Annual Report Statement published in CHF Bank History Established in 1973 as Union de Banques Suisses Luxembourg On 29 1995 merged with Swiss Bank Corporation Luxembourg Ltd and its name changed to UBS Luxembourg SA COUNTRY RATINGS LUXEMBOURG FitehlBCA As at Last MOODY S Country Ceilings As at Last 12000 Change 2 2000 Change LT Foreign Currency AAA 871 334 fn a 1 Bonds amp Motes LT 1271387 n a 1 ST Foreign Currency POET 0871 334 Bonds amp Notes ST P 1 1071333 LT Local Currency AAA 084 994 Bank Deposits LT 104999 Bank Deposits ST P 1 104999 P 11 S amp P S
69. data components 1 4 Profile The Profile format provides standardised financial highlights showing four lines of accounts Assets Customer and Short Term Funding Equity and Net Income and eleven ratios Fitch Rati ngs BankScope Search ME l Eile View Options Search Window Display Help Ja xl oe c Search Description Search Details Boolean Search Delete Search Step Search step wa FITCHIBCA Figure 1 BANKSCOPEMAIN SCREEN 2 BANKSCOPE MAIN SCREEN BankScope s main menu is permanently fixed on a button bar across the top of the initial screen Most of BankScope s functions are accessed through the button bar Figure 1 and you may move continually through the buttons selecting new functions or refining a search without having to back out of any particular screen prints what is currently displayed on the screen exports what is currently displayed on the screen __ access to the various search criteria see Chapter 6 list displays the list of selected banks see Chapter 5 aT displays the reports of selected banks or the first report selected see Chapter 4 displays the selected banks in the Bank Credit Report BCR presentation software see Chapter 12 This is an optional module on BankScope compares one or more banks with the mean and the average of a group of banks Statistical Analysis Starts a statistical analysis of a grou
70. e this option allows you to restrict your search to banks included in the world and country rankings Nom banking credit institutions central banks as well as statements which do not offer recent information are excluded from ranking calculations this option enables you to search for statements by one or several consolidation codes see Chapter 2 this option enables you to select all statements published in the currency selected this option enables you to select statements for a specified number or numbers of years this option will select statements on the basis of the last available year this option will select statements on the basis of their format codes see Chapter 2 this option will select all the statements belonging to the same FITCHRATINGS model Special Companion SEC etc this option will select all the statements with C or U consolidation codes BankScope Search BHH e Ele View ptions Search window Display Help 5 x Specialisation Commercial Banks Fitch BCA INDY IDUAL A A B B B C MOODY S BANK DEPOSITS LONG Aaa Baa TERM Boolean Search Delete Search Step Modify Search Step E FITCHIBCA Figure 33 of Shareholder Please select the type of shareholder and the percentage of interest Selected Minimum Include HA s State Public Authorities Individuals amp Private Shareholders Companies and Banks
71. e TEHT 1 Figure 73 Add in Manager Figure 74 Figure 76 Figure 75 BANKSCOPE PRESENTATION SOFTWARE 12 2 Bureau van Dijk Add In For Access The purpose of this Add In is to easily create forms combining BankScope data with user input and or internal Access databases This Add in uses a wizard approach which consists of several steps requiring the user s input When completed the specified form will be created automatically Once the form is designed additional information can be typed in Not only text but also figures hyperlinks and even files all information referring to the bank under study can be directly stored in your Access Database As explained farther in this Chapter this add in creates a live link between Microsoft Access and the CD ROM whenever a company is displayed in a form all its financials will be extracted directly from the CD ROM Except for the identification numbers of the companies no other BankScope information 15 stored in Access 12 2 1 INSTALLING THE ADD IN FOR ACCESS 1 Start Access and click on File then on New to create a new database 2 From the database container choose Tools Add In Select the option Add In Manager The dialog box shown in Figure 74 will be displayed 3 Click and open the File BvDADDIN MDA located in the folder where the software has been inst
72. e bank displayed will automatically be considered as the subject bank and the peer group will be your current own peer group the standard peer group or a previously saved set of banks At the end of a search when several companies have been selected even if this search has been conducted by the Bank name index by clicking on the subject bank will be one of the selected companies Toda Coca 7507 Pear EE crite pum A d bal amp Short Taa Eph Fat mara Lean Lewes Hiara ra Lanu Taid Ca Fabia Equity Total dote tert Mara en Law Total de 5T Lipad Anati FT Farir E E ES HaskSonpe Pos Tape BJ Seriarater AMI TT Uem TETTI Eras is 8 po o 1e One 24 n JA ABAD Commer c Sen Tarea Vado Hari leare Lows Lees feere Feen 1m Copia Fock Lab Mai lerm Basn Rura on Amr ROA eed io cen Hate Mai Learn Total Aerts Boj j Caterer ST Farchrg Ligad han m guam gn ogmamam on go Figure 45 PEER GROUP ANALYSES By loading a bank set se
73. e screen as described in section 11 2 but where the header of BankScope is presented by default You can type the modifications by clicking on the desired fields Add one or more years displays a window displaying the existing years You have the possibility to modify the periods closing year qualification of an existing year or to add one or several years by clicking the Add button Modify the existing statement displays the accounts in the active window where you can click on any item after choosing what format entry you desire 5 INPUTTINGAND MODIFYINGDATA Update data from the CD rom when you choose this option a dialog box asks you what years you wish to update Select the years and click ok The figures will be taken back from the the CD you are using This 8 useful if you wish to replace your input by the data from the CD ROM once the data has been input by FITCHRATINGS When a report is displayed you are able to directly access this procedure by clicking on the Owndata option from the File menu The menu of Figure 66 will not be displayed 11 4 Modifying a bank of the list The procedure is the same as in section 11 3 except that the bank is selected from the list from Figure 66 and not from the Name index 11 5 Removing a bank from the list Just click on the bank you want to delete and then click on the Le button 11 5 G BANKSCOPE PRESENTATION SOFTWARE 12 BANKSCOPE PRESENTATION SO
74. e the former case Direct access if you click on without having loaded any bank set or search strategy you will be able to select at the same time the subject bank and its eventual peer group The peer group will be a bank set file or a default peer group Note that all tables and graphics described in this Chapter may be copied and pasted into other packages 9 4 Analysis a bank compared to a peer group The subject bank 1s selected from the Bank name index A dialog box enabling you to select the peer group 15 displayed see Figure 43 This can either be the statements found at the end of the search your current own peer group standard peer group other bank set file or peer group file that has been previously saved and associated to the bank A table presenting the results of the analysis 1s displayed see Figure 44 This table 1 by default presented with the variables and the ratios of the Profile Format for the last three available years The msej button enables you to change the variables displayed 9 5 Type B Analysis a bank compared to several individual banks and to a group The procedure for building the comparison table is the same as discussed in section 9 4 except that you will also have to select the comparison banks Once again the comparison banks will necessarily belong to the selected banks if this analysis is carried out after a search or afte
75. ect 100 00 100 00 100 00 100 00 100 00 100 00 100 00 100 00 100 00 99 95 99 90 87 09 5 51 26 59 25 82 24 49 18 32 18 10 13 85 10 00 Banque Bruxelles Lambert BBL Ownership Total 100 00 100 00 100 00 100 00 100 00 100 00 100 00 100 00 100 00 Source Date Total Assets 121395 121996 121996 121996 121996 121395 121395 1213995 121996 1271999 271 999 12 1999 1213995 121395 121395 1271999 121996 2 1999 1211995 121395 mil USD 5 240 1 535 1 145 843 149 r a n a 9 851 864 r a 57 603 556 329 a E FITCHIBCA Figure 19 REPORTS Displaying the Shareholders information or Banking Subsidiaries section will present the list of shareholders or subsidiaries sorted by percentage of interest Figure 18 and Figure 19 Several codes indicate the information source in the fifth column of this section RM RS PC PN OS TC annual Report of the mother company annual Report of the Subsidiary direct contacts with the concerned institutions twice a year a mailing is sent to all banks hosted on BankScope information published in the press an analyst located in Brussels is exclusively devoted to the task of analysing the news on ownership that is published in the
76. ection of one of these options will display a menu New Format Current Format By clicking on the first line you obtain the dialog box enabling you to create the corresponding format described respectively in chapter 5 4 9 and 10 The current format button will display the list of existing formats including the standard format and enables you to set one of these as current b specify a sorting criterion for the list create customised formats user defined variables d set the currency as well as the units used in the peer and statistical analysis 5 Exchange Rate Table x Select your base Country Select pour destination Country BELGIUM BEF Rates expressed USD BEF Date Rate Own Rate Date Rate Own Rate 8 31 38 1 027361653 1231 93 0 028923050 7 31 38 0272154338 11230298 0 028398929 630 98 0026659557 10231298 0 029321214 5 31 38 027155531 3 30 38 028338185 4 30 38 0 0269937840 Mew Date Fixed rate apply to all years Print Figure 105 Bank ti ia 15 Balch 4 2 PIE vie Options Seach window Displap ___ Search Peer dal pois Slaiktcalanapas Load Search Slralegy gg A Oper Bank Set Seach Amuk av Henge leo Bank Sets Save Ihe Peer Group Compases lo
77. elative Y Absolute Barclays Global Detailed Nickname Currency Bayerisi ins Address usp Bayerisi H Building Comme Subsidiaries Cr dita Note Country Name Selected variables Deutsch Country Code Deutsch Fitch ECA Model Dresdne City Fortis Consolidation Code General Type of Format Last Available Year World Rank HSBC HSBC Hc World Rank Rolling IHG Gro Ban REED tomatas rou format al as Cancel Format Repeat single date temes Vi 36 Banks Sorted by Bank s Mame Ascending FITCHIBCA Figure 22 Mark Bank 4 CD orn a 7 Gre per company BUILDING A LIST OF BANKS 5 BUILDING A LIST OF BANKS The List of the selected statements will be displayed automatically if several banks have been selected from the Name index by Swift number index number or nickname clicking on the button if the selection is the result of a multt criteria search or of a saved bank set or search strategy An example of such a list is illustrated in Figure 21 5 1 Format of a list The standard format of a list which is displayed by default includes the following fields consolidation code sorting variable last available year country code country rank rolling world rank rolling index number In order to create a new list click on the button This will unfold a menu pres
78. em Flop Formal Speed chest Osta Ergi Cota User sms bles Banking Subidas News Sechon besul usione ed Formel Hote Cudomizad Fomals 1 Daaa ect Id amd Figure 17 Here are some explanations concerning the structure of report Format and the way columns are presented Layout 4 2 The Format button The Format button displays a list of those formats already available in BankScope You may select them as required from this list or create a new report which incorporates several sections from the format list For example you may select the Header followed by the Ratings section and the Spreadsheet as your custom report format The Complete Format presents all the available sections in the following order Header Rating Profile Global Summary Standard Ratios Spreadsheet Raw Data Banking Subsidiaries Shareholders Reuters News Note In addition to these sections you may create your own Customised Format or custom spreadsheet from any part of these formats see Chapter 7 and your own custom ratios see Chapter 8 both of which can be incorporated into your Report You can create as many custom combinations of the above formats as you like Click on Format then New Report Format Figure 17 the format select the
79. enting all the formats already designed as well as a line New Format A click on this line will display a dialog box see Figure 22 enabling you to select the items to be included in a list format It is also possible to create new list formats by clicking on the option Format of List from the menu Options at the top of the screen see Chapter 15 Note that the width of a column can be modified by dragging the top of the border between two columns This will be saved along with the format E Coy Fe je Lik d Co p mense ET Bunk hera E Seat br HE Ser nn Fines Bonk Haan de once Dank ale 2 3 tel Borde Carpas 41376 4 Greep E Fura 34100 5 Bank 113962 6 Edwarda amp vee Edraardos Inc 1 EST Furting 47474 Aargaeisehe Manion MUT 3 AB Sgentab puny C Capital 244 10 AE Semak Expo ria 3 35125 11 EAR C Total ats 24386 12 Amy Bieta Ticas Interest 79 1150144551 3 Trwas Mica 41475 13 internam enel E ibis x 100 24102 15 ARE Equity 5 1247 44545 A Aurel 7 red a 18 1330 iT
80. es of templates To do so click and choose Load Another Template Select the desired template and click OK By default you have the choice between two pre defined templates Standard I and Standard If other templates have been created and saved in the user folder they will also appear in this category If they were saved in another one choose the option Others not in the user dir and browse for bcr files 12 3 3 CREATING A NEW TEMPLATE You can create as many templates as you wish by clicking and choosing Make a New Template A blank sheet will be displayed next to the 13 icons which can be used to create the objects and to position them anywhere on the page 12 27 BANKSCOPE PRESENTATION SOFTWARE 12 3 3 1 POSITIONING AN OBJECT First click the icon representing the desired object and then click the sheet where the object has to be located The object will have a default size which can be modified later logo Bank Identifiers Used Peer Group Bank ratings Yearly statement Reuters news Shareholders Banking Subsidiaries Graphical illustrations Peer Report Peer Report illustration Free Text Own Logo 12 29 FI Figure 87 OR mo a RR Stat tem Selection Autospiitl Figure 88 ad Extra Page Setup Show Margins Page background colour Objects background colour m Transparent objects Apple chang
81. es of the peer group In this case the user can specify the score to be assigned depending on the position of the variable within the quartiles of the peer group The position of the variable in the deciles of the peer group In this case the user can specify the score to be assigned depending on the position of the variable within the deciles of the peer group 11 Specify the weights for each qualitative variable in the dialog box illustrated in Figure 98 Click 12 Specify the weights for each country variable in the dialog box illustrated in Figure 99 Click 13 Give name to your Scoring Model as shown in Figure 100 12 41 Fl Bureau van Dijk Scorng for Access 97 oring Model Design the Structure Quantitative variables ne Stones Hide Financial Items Evaluation Qualitative variables Specify the weights Country variables Specify the weights E gp A WB 1 u YOU CICR MEN to generale m Figure 100 BANKSCOPE PRESENTATION SOFTWARE The various check boxes below the Your template s name text area allow you to have the Add In create a Bureau van Dijk Toolbar and to choose what buttons should be available on it A button will be allow you to select the companies to be scored according to any available search criteria name by geographic region by financials l5 Compares Snow Countries
82. es of your Current Own Peer Group for the selected variables Another Peer Group allows you to select any Peer Group made up of a previously saved set of banks SET 12 3 9 EXPORTING THE BCR Thanks to the File export command you will have the possibility to export the BCR in RTF Format This format can be read by the most popular word processing packages Microsoft Word WordPerfect etc For more details on the subject please refer to Chapter 14 12 35 a een Par PAE 9 0 i cong a le Lo m sre sel Lam Asum on Ayecage gaty Coz bo leone Halny Score z RUSLITATIVE VAHIABLES 00 X hast 5059 Martel Score 2 COUNTRY VARIABLES 15 Senne Bureau van Scoring Wizard Figure 92 Bureau van Dijk Scoring Wizard Figure 93 BANKSCOPE PRESENTATION SOFTWARE 12 4 Bureau van Dijk Scoring Wizard For Access The purpose of this wizard is to allow users to design in a few seconds a scoring model calculating a Final Score based on three type of scores A Quantitative Score based on an evaluation of selected financials coming from BankScope The way the financials have to be evaluated will be specified by the user during the wizard process The score of all financial variables will be weighted to compute a Quantitative Score A Qualitati
83. es to entire document Cancel Figure 89 Figure 90 BANKSCOPE PRESENTATION SOFTWARE 12 3 3 2 SELECTING MOVING AND SIZING OBJECTS Click on the object or its border A border with handles anchors will appear around the object to indicate its selection as shown in Figure 87 You can move the object by holding the left button pressed and moving the mouse on the sheet Slide the handles to size the object free hand or use the Size option from the BCR Layout menu If you select the Size option a dialog box pops up so that you can specify the horizontal and vertical lines 12 3 3 3 EDITING THE CONTENT AND THE LAYOUT OF AN OBJECT First select the object you want to edit as described above To modify this object format colour variables displayed years displayed etc click the right mouse button A context menu will appear showing all options specific to this object For example a right click on the Yearly Statement object will display the menu illustrated in Figure 88 If the option Stat Item Selection 18 chosen it is then possible to select the lines to be displayed 12 3 3 4 ALIGNING SPACING AND RESIZING SEVERAL OBJECTS You can select more than one object by pressing the Shift key of your keyboard and clicking all the objects A dotted border with handles will appear around the objects to indicate that they are selected see Figure 90 Drag the handles to resize the objects or select Layout
84. h a pgf extension see above Design your own Customized Format Format Format 1 Figure 36 CUSTOMISED FORMATS 7 CUSTOMISED FORMATS You can easily create one or more Customised formats Customised Formats are defined as a presentation of accounts including selections or groups of financial data or ratios To create a own Customised format choose Options Customised Formats The dialog box illustrated in Figure 21 will appear on the screen 7 1 Name of the customised formats A name is given by default to the accounts you are creating It can be modified by clicking on the default name and by typing in a chosen name The Delete button will delete the customised format currently displayed NOTE The customised formats are saved in your user folder with CUS extension The content of the file can be edited with a text editor like Notepad 7 2 Selecting the FITCHRATINGS model You first have to select the FITCHRATINGS Model with which you want to associate your customised format If you use the Global model your own format will be able to process any statement whatever the country or the specialisation If you select another model your own format will be able to present only the statements coded by FITCHRATINGS in this model 7 3 Selecting Lines Select first the section from which you want to select lines Header Profile Global Spreadsheet Raw Data Ratios Own Ratios To select a sing
85. h no operator between them they will be treated in the search as strictly adjacent You can specify a proximity by typing the operator s n where specifies that the second descriptor must be found between 1 and words after the first descriptor For instance the texts with the expression capital adequacy ratio will not be found if you type capital ratio but will be found if you type capital s 2 ratio If you look for the texts containing the notion of such a ratio be more precise and type the following expression risk asset ratio or capital s 2 ratio or cooke ratio or basle ratio You can use up to 80 characters to enter such expressions in any of the three search fields 16 1 2 2 TRUNCATION IN THE FULL TEXT SEARCH Use the sign to specify a truncation For instance if you want to enter the concept of financial difficulties enter something like bankrupt or heavy loss or financ difficult 16 3 G TEXTUALINFORMATION MODULES 16 1 2 3 PRIORITIES AMONGST THE BOOLEAN OPERATORS If you do not use brackets the operators will act in the following order of priority OR s n BUT NOT s n AND BUT NOT For instance the expression A or B s 3 D will be interpreted as A or B s 3 C or D and not as A or B s 3 C or D The expression A or B s 3 C and D will be interpreted as A or B s 3 C and D If uncertain just make use of brackets 16 5 Bank5
86. hareholders totalling together at least X of interest include or on the contrary exclude any local shareholder The dialog box enabling you to specify all this is presented in Figure 27 Figure 28 presents the list resulting from such a search in our example the Japanese banks in Germany a Japanese bank being defined as a bank owned by a maximum of three Japanese shareholders holding together a stake of at least 75 with possibly other foreign shareholders D Searching for the affiliates of a given bank You can select a bank for which you want to find the parents and or the affiliates You can specify the minimum percentages that are to be taken into consideration for including an affiliate the group for each of the following six categories direct parents indirect parents direct subsidiaries of direct and indirect parents direct subsidiaries indirect subsidiaries direct parents or direct and indirect subsidiaries This can be done by using the dialog box presented in Figure 29 Foreign refers either to a single country foreign to the given country or to all countries foreign tothe given country Affiliations within a set of banks Figure 30 Paet compares r tha ral Bark 1 WESTPEINTSCHE LAY DESHARE H 18 x PL 2 RPA DELLE PAIJO 1 92 X PC ubaki ps mej Agi set or DEDIT amp ETIERBESELE SDH 50 0
87. he period illustrated The L button allows you to specify the currency the units and the type of exchange rates The button inverts the subject bank and the comparison banks The bars relating to the group median average and standard deviation are not displayed if the group includes less than 3 statements Note that the radio button by year by company gives you the possibility of showing side by side the data relating to each entity the subject bank comparison banks median average standard deviation rather than those relating to the year see Figure 51 In addition the check boxes Median Average Std Dev allow you to decide from the graphical illustration whether you wish to view the median average and standard deviation represented on your chart BankScope Peer Report Type ME E 2 File View Options Edit Peer Window Display Help 8 x Position of Key Variable In the Queries of the Group 37 companies Compare with Variables E 1999 EJ 2 Banque Nationale de Paris BNP PARIS FRANCE C2 Customer de Short Term Funding 1998 3 Barclays Bank Ple LONDON UNITED KINGDOM C1 Equity Hat Tunnma Total Assets 372 770 497 thousand USD 1998 th USD 706 045 278 3 5075 of the Companies of 600 000 000 the Peer Group show a Value between 500 000 000 170 793 487 and 400 000 000 Interquartile Relative Interval 0 78 300 000 000 263 290 140 Standard Deviation
88. il you have typed enough of the string to locate the bank you want To facilitate your search major banks are displayed in red in the list You may verify your selection by highlighting the bank and checking the snapshot which appears within the search box displaying the banks country specialisation ratings and four financial values Select the bank by double clicking it or by clicking DJ The name of the bank is displayed in the Records Selected window To deselect banks from the Records Selected window click El Clicking X will remove all banks from that window The identifying columns to the right of the bank names indicate consolidation 1 column country 219 column format 218 column presence of Reuters News 4 column presence of Ownership information 5 column presence of interim data 6 column Figure 2 You will find hereafter a list of the used abbreviations 3 Major Banks are defined as being rated by one of the five rating agencies on the BankScope product namely Fitchratings Moody s Standard amp Poors Thomson BankWatch or Capital Intelligence The list was filtered to eradicate duplications and now contains 1400 major banks 5 SEARCHING BANK NAME a Consolidation code NA C2 Cl 024 UI UF A2 Al Bank with no statement Only the name and address are available Consolidated Statement with an Unconsolidated Companion Consolidated Statement with no U
89. in the white area and press enter displays the list of selected banks marks a report the marked report can be printed transferred or deleted from the current selection or conversely the unmarked reports E vi Format E allows you to view other available statements consolidated unconsolidated or additional companions for the same legal entity displays menu enabling you to display specific section of the report to create new formats 1 to create a set of sections that should be displayed or to display the reports in one of the FITCHRATINGS standard formats Raw data Spreadsheet Global detailed Global Summary or Profile see section 4 2 Figure 5 form or undo links between companies and Peer Groups Bank of Japan Nippon Ginko Fl GROUP GROUP PE n 5 Ej gt n E td aj Ej vi fl Ej WEW tara Figure 6 REPORTS L 66 99 IA displays a menu to define a new presentation of columns in terms of nature and order of presentation of numerical data or to display statements in a pre defined layout see section 4 3 displays in brackets the relative position of the bank within the quartiles or the deciles of the Standard Peer Group or the Current Own Peer Group which has been assigned to the displayed bank see the PG button below Walle allows users to type in comments re
90. l documents related to the corporation under study whatever CD ROM they come from 22 HyperLinks You can type WebSite addresses in these fields Clicking on them will open your Browser at the webpage specified in the field NOTE The Add In will add one table to you database called BankScopelds Note that the properties of the fields created can be changed manually at a later stage Please refer to the Access User s Manual for further explanations If you want to introduce user fields that may vary from year to year you can choose among the following field types from the type drop down list Text Yearly 22 Number Yearly 22 Currency Yearly 22 Date Yearly Once all user defined fields have been specified click Neo 12 21 Bureau van Dijk ADD IN for Access SECTION HM WW Se XXEXE Index Total Assets Customer amp Short Te Equity Income Loan Loss Reserve Total Capital Ratio Equity Total Assets Figure 83 Bureau van Dijk ADD IN for Access 1 Blank Standard International Cloud Dusk Stone Figure 84 ao Fel BANKSCOPE PRESENTATION SOFTWARE 7 Specify the items selected from the CD ROM or created by the user which have to be displayed in the header of the form Just highlight the fields and click J or click t
91. lated to the displayed bank P displays a menu that allows you to associate an Own Peer Group to the bank and to view the list of banks belonging to that peer group see Figure 5 View the current PG allows you to view the number of banks belonging to the Current Own Peer Group of the selected bank and to display a list of them Compare the company to another PG already associated with it allows you to select one of the associated Own Peer Group to which you want to compare the selected bank Associate a new PG to this company displays a dialog box see Figure 6 in which you can select a bank and assign to it a previously saved Own Peer Group see section 9 8 To define a link select both the bank and the own peer group then click the Associate button The check box next to the bank name will be ticked goes back to the report when a graphical illustration 15 displayed BHP Gr boeken the dan Sheet 18 rinse SH rae um 120020 rd EUR m ELI 1 1553 ra ELS Oth Euri rra 423 Ce Capa Fiat E ST Fund BE one cw 0 Pes TEES Tiel 1 HarrE bin e Eg EB 7 Baras Habonala Paro Conca 73 bara e a ico dre d 1338 1271198 120730 a d ramum 11533 ge Sabet Con Grp
92. le line position the cursor on it and click on the button or double click the line this line will be moved to the window on the right In the left window the colour of the selected line changes You can select it several times if you need to display it at several places If you want to regroup lines click on all the desired lines if these are adjacent you must keep the left button of the mouse pressed or hold down the SHIFT key if these are not adjacent you must at the same time press the CTRL key and click on the 5 Figure 37 CUSTOMISED FORMATS A dialog box appears It displays the selected items and enables you to give a title to the resulting line in the new format by default the name of the label will be Subtotal By default all the lines are added but you can change the signs of the lines by selecting them and clicking the button When the title and the signs are correct click on Only the line regrouping these items will be displayed The 2 button removes the selected line form the right window Use to remove all the lines When you click the subtotal will automatically be displayed below all selected lines a small arrow appears in front of it If you want to move one line select the line in the right pane and click the 1 button Select the new location for the line and click f the line will be m immediately above the line you selected before
93. ll as for the median the average and the standard deviation of the peer group The year base for which the value of the variable represents 100 can be changed by clicking the upper right window NOTE a line will be displayed only if a value is available for the year base Consequently changing the year base can make a line of the graph appear or disappear displays a diagram see Figure 55 showing the evolution of a variable within the deciles of the Peer group for the subject bank or any bank of the peer group NOTE as for the diagram showing the distribution of a variable it is possible that one or more points relating to the subject bank or banks of the peer group appear outside the limits of this diagram This is the case when the subject bank or the banks of the peer group is not part of the peer group Only the first of these diagrams is associated with the table relating to a type C analysis because in that case there is no peer group form or undo links between companies and Peer Groups Bank Brussel Lambert BBL Banque Bruzelles Lambert s a r E LARGE EUROPEAN ges UCARGE EUROPEAN BANKS Figure 56 PEER GROUP ANALYSES 9 8 Associating your own Peer Group to a bank Before being able to compare a bank to an own Peer Group that you would have saved after performing a search see chapter 14 1 2 you have to associate it to the bank To do so after having saved your own Peer Group from
94. menu The files referring to the search strategies srh or banks bvd or set or pgf can be deleted by deleting the file from the folder where they are stored on your hard disk by default SCOPE32 USER The same applies to the files created for transfer to other software programmes or for printing 14 7 1 32 34pm BOB BEE 181x List Format ln Peer Analysis Statistical Analysis Report Format k BER Template ___ Spesisisaton targe Barks Ratna Services k 5 Saved Fie Miscelaneos Nemo Section Default Sort Customized Formats Step Search Result Result User Defined Variables Set of variables Currency No af Units in Peer amp Stat Analyses 2 Modify Exchange Rates Access Mode Time Consistency k Boolean Search Delete Search Step search step Wa E FITCHIBCA Figure 104 OPTIONS AND FILE MENUS 15 OPTIONS AND FILE MENUS 15 1 The Options menu This menu illustrated in Figure 104 enables you to a create anew format and set as current format one of the existing formats including the standard format for list of banks the report of banks the layout the variables used the illustrations IV and V associated with a bank report the variables included in the peer comparisons and the peer groups in the statistical analysis The sel
95. n A dialog box will be displayed as illustrated in Figure 110 Type in the descriptors you are searching for in the three search fields Click on the corresponding check boxes to restrict your search to the text and or the headlines The search can also be restricted to saved set of banks see Chapter 14 o Teed a period of time for your search Note that any date must be entered by typing six digits in the sequence day month year For instance March 2 1999 must be typed 02 03 1999 _BenkScope Companies the banks which are currently available on BankScope _ El Companies quoted Companies quoted in the Reuters News archived on the CD whether they are listed or not on BankScope a Reuters story of the Industry Code I 81 may very well refer to non banking companies or to small banks not listed on BankScope 5 TEXTUALINFORMATION MODULES When your search has been completely defined click on to select the articles that meet your criteria and on to display the corresponding list of articles Once the list is displayed you can unfold the content of an article by clicking on 16 1 2 1 USING BOOLEAN OPERATORS IN THE FULL TEXT SEARCH In each of the three search fields you can enter one descriptor or a sequence of descriptors To make a Boolean link just type between two spaces in normal lowercase characters the word and or or but not When the descriptors are entered in sequence wit
96. n BankScope Each individual Country Risk Report includes projections of GDP the budget deficit the country s trade and current account balances its financing requirements and its debt service ratio It contains Credit Risk Rating reflecting a country s short term trade risk medium term lending risk and political and policy risk The state of government finances economic growth and domestic financial indicators money supply interest rates inflation exchange rates External Finances 2 year projections of the country s external finances including the current account external borrowing and debt servicing payments International financial flows foreign direct investment bond issues portfolio investment and commercial or official lending Domestic financial markets incisive analysis of the bond money and stock markets Portfolio pointers to investors independent comment on the prospects for financial markets in these emerging markets In addition a Risk Ratings Review is published each quarter providing a summary of the EIU s ratings for 104 countries Produced as a separate report of typically 28 pages it includes a written analysis of each region giving early warnings of potentially deteriorating or improving economies All Reports will be displayed in Microsoft Viewer which is installed during the setup of BankScope or Microsoft Word previously installed on your machine
97. nconsolidated Companion Additional Consolidated Statement from a different source Unconsolidated Statement with a Consolidated Companion Unconsolidated Statement with no Consolidated Companion Additional Unconsolidated Statement fro a different source Aggregated Statement with one Companion Aggregated Statement with no Companion b Country codes They are the ISO codes e g US for the United States corresponding to the country of the bank c Format codes Indicate the type of data available for a bank usually RD RE VD DD BR NA statement available in the raw data format statement under processing by FITCHRATINGS statement available in global format only no longer existing bank branch with no statement banks with no statement only the name and address are available They are mainly E U banks listed in the Official Journal d Reuters News and Ownership R amp O in the 4th and Sth columns They are optional modules which provide two years of Reuters News stories and listings of a bank s shareholders and subsidiaries e Interim I in the 6 column This type of data is available for 3 500 institutions 72 SEARCHING BANK NAME 3 1 Truncation Clicking on El followed by a click on selects all banks starting with the string that you have typed in 3 2 Standard Peer Group Clicking on AO displays the list of banks belonging to the Standar
98. ne sheet 1 company per sheet f 2 dimensions per sheet C 1 item per sheet Total Assets T T s qm Customer amp Short Term Funding LAPIS per snee Equity Swap rows and columna Met Income Penod 2 Period Perod4 Presentation Cell Options Original Currency Initial values v Updated values DEM Mew Presentation Boolean Search Number of Records selected d Search Add Step Modit step Delete Sten Clear Search Close Figure 69 BANKSCOPE PRESENTATION SOFTWARE 12 1 1 INSTALLING THE ADD IN FOR EXCEL Start Excel choose File Open and select bvdaddin xla in the SCOPE32 folder Click the OPEN button If a message asking you whether you want to enable macros or not appears choose Enable Macros The following commands are now available from the Tools menu Upgrade From 16 bit Add In Update Add In Links Select Database Add In If you open the add in using this method it will no longer be available after you close Excel If you want it to be available during every Excel session choose the Excel Tools Add ins command Click the Browse button and select bvdaddin xla in the SCOPE32 folder A Bureau van Dijk 32 bit Add in tick box appears the list as long as it is checked the BvD Add in will be available from your tools menu every time you start Excel 12 1 2 USING THE ADD IN FEATURE In a new Excel workbook choose Tools
99. ng Loan Loss Reserves not deducted from Assets and Equity However Other Funding might contain Long term Borrowing Subordinated Debt Participating Debt or Hybrid Capital Similarly the ratios associated with the spreadsheet are country specific Definitions of each country s spreadsheet components may be found under Help Format Definitions Multiple formats for Danish French German Italian Japanese Norwegian Portuguese Spanish amp Swedish 5 Native language for Belgium Canada France Ireland Japan United Kingdom and United States 1 1 FITCHRATINGS DATA FORMATS 1 3 Global Summary and Detailed Formats The two Global formats are globally standardised presentations derived from the country specific spreadsheet and raw data items All bank reports in BankScope may be viewed in these formats which have been designed to allow easy comparison of banks worldwide The Global Summary format contains 37 lines including two capital adequacy ratios and seven memo lines This format also includes thirty six standard ratios 7 The Global Detailed format contains 156 lines 51 lines for the Assets 42 lines for the Liabilities and Equity 38 lines for the Income Statement and 15 lines of Notes Definitions of the Global formats components may be found under Help Ratio Definitions Alternatively clicking on the triangles to the left of a global line item will create a drop down of that tem s more detailed
100. ng LT BE Fitch BCA Rating ST F3 Rating ST 4 3 Records selected 0 Tennant Cancel Figure 112 TEXTUAL INFORMATION MODULES 16 2 3 ACCESSING THE CAPITAL INTELLIGENCE MODULE Click on Ess then on and select the Capital Intelligence Ratings amp Reports from the yellow menu top left of the screen Figure 111 A menu offers you the following options List of Rated Banks displays a list of banks rated by Capital Intelligence sorted by country The Foreign Currency Long Term rating Foreign Currency Short Term rating Domestic Strength Support as well as the date of these ratings are listed Revised Ratings displays the list of banks the ratings of which have been revised since the last update of BankScope or since a given date Access to Bank Reports displays a dialog box enabling you to select one or more banks from the index of banks rated by CI Figure 112 This dialog box presents 22 the index of banks in the first column the country code in the second column the code for the type of Report in the third column BR Bank Reports BM Bank Memorandum RR Rating Report the fourth column contains the date of the report 2 an in the fifth columns indicates that a Bank Memorandum 1s also available When the Subject Bank or Banks have been selected click on Batinarepot depending on the type of report you want to access You will
101. ng from the IMF being used to adjust the published figures REPORTS When a variation is chosen the year given is the reference year For example the combination variation year 1 the most recent year gives the increase in percentage between year and year 2 Money values can be presented either in original currency or in one or several reference currencies Variations can be calculated based on the values original currency or in reference currency By clicking on the Own rates rad o button the exchange rates defined by the user will be used see section 15 1 explaining how to input your own exchange rates A click on Market Rates Current will use the official rates as published by the International Monetary Fund at the corresponding closing date of the bank displayed Clicking on Market Rates Last reported date will use the exchange rate at the last closing date for all preceding years displayed Clicking on the Peer Medians or Peer Averages radio buttons will display the data corresponding to the Standard Peer Group of the bank selected or the Current Own Peer Group associated by the user if any instead of the subject bank If the Relative radio button is checked the most recent available year will always be displayed in the left column On the contrary if the Absolute radio button is checked you can select several years in absolute reference if the data f
102. ngth Support Short Term Debt Senior Debt Subordinated Debt Preferred Stock Short Term and Long Term Click on the Ratings button and select the type of rating from the drop down list A dialog box will appear enabling you to select the value s desired for the rating Just highlight the chosen lines by clicking on them and then on to select these lines Validate the search by clicking on mmm Note that clicking on allows you to access the Rating Reports and list of ratings issued by the rating agencies that are hosted on BankScope For more information see Chapter 16 MULTI CRITERIA SEARCH 6 1 9 SEARCHING BY AFFILIATIONS BankScope contains comprehensive information on the ownership and the banking subsidiaries of the institutions that are hosted on the disk The ownership database is organised in the form of links a link being defined by the following information parent company daughter company percentage of interest source of information date of information The sources 1 as follows Annual Reports direct contacts with the concerned institutions twice a year a mailing is sent to all banks hosted on BankScope information published by the press an analyst located in Brussels is exclusively devoted to the task of analysing the news on ownership that is published in the daily or periodical financial press there is an average of about 5 news articles
103. nies out of 60 provide the Information 54 included 0 excluded Figure 64 BankScope Group Report several Variables for several Years 1 File View Options Edit Group Window Display Help Company AEN Amro Holding NV 0 2 1998 1997 IH 121 517 414 654 406 343 608 530 Total Assets th USD 2 3 34 5171 771 225 601 Customer amp Short Term Funding In OSL 351 560 6 4 3 2 Bank of America Corporation 1998 3 Bank of Japan Nippon Ginko Ul 1998 4 Bank of Tokyo Mitsubishi C2 1998 1997 1906 5 Banque Nationale de Paris BNP C2 1998 1997 1996 6 Barclays Bank Ple C1 1998 1597 1596 7 Barclays ple C1 1998
104. nitions DK Cancel Figure 41 CUSTOMISED FORMATS 7 5 Using the Text Mode Instead of modifying the formats as described above you might use the Text Mode which will allow you to type in the formulas and the labels at the same time To switch to this mode click the button at the bottom of your Design your own customised format dialog box see Figure 36 This displays a window see Figure 39 allowing you to edit an existing customised format or to create a new customised format on the basis of an old one The button lets you go back to the main screen 7 5 1 EDITING AN EXISTING FORMAT The Text mode window contains mainly three columns Code this column contains an internal number for the line BVD 4 digits which is automatically generated This allows you to refer to that line in another formula Label type in this column the name that should be used as the title of the line Definition type the account number that should be displayed on this line or any formula using the account numbers Use operators and parenthesis if needed as you would in a spreadsheet Note that if you use a constant in your formula it must be preceeded by a to differentiate it from an existing account number 7 5 2 CREATING A NEW CUSTOM ISED FORMAT BASED ON AN EXISTING ONE If you wish to create a new customised format having the same structure and or definition as an existing one simply display the c
105. o select all the items or to deselect all of them They will be moved to the Header fields box see Figure 83 Click L 8 Select the Style in which your form will be built and click Neo 9 Give a name to your form and click Include a Bureau Dijk Toolbar if you want the Add In to create a toolbar with the following buttons allows you to select the banks to be displayed on the form according to available search criteria By name by geographic region by financials after the form has been created Selection allows the user to print and to preview the form for the displayed Companies allows the user to edit the form and change its design location font size colour etc of the objects AE 10 Click Finish to generate the form NOTE The Add In will automatically add two objects to your database 7 A table containing the index numbers called BankScopelds A query displaying the variables selected for the banks and the periods named BankScopeData 12 23 Print Preview Click to select companies Allows you to change the design of the form ISO CURRENCY code e g USD DEM you can type another code to update the form Unit code 1 Original unit ee een Data typed in fields on designed by the user 9 en Click to display the will automatically be other selected saved in the table banks Figure 85 BANKSCOPE PRESENT
106. og box Figure 42 enabling you to build your user defined variables by choosing User Defined Variables from the Options menu in that case the created variable will be part of the User defined variables section associated with a report and can be included in any own report format by clicking the button series when designing a customised format in that case the user defined variables will be attached to the customised format and will not appear in the User Defined Variables section attached to reports displayed in another format 8 1 Name of the user defined variable A default label is presented in the dialog box Just type the new name in 8 2 Creating a user defined variable We advise you to first prepare your formula on paper Then two methods can be considered 8 2 1 FIRST METHOD double click the first item click the operator that will precede the next item addition subtraction multiplication X d vision or absolute value double click the second item repeat the same procedure for all the items select the units if you have chosen Percent 96 you have to multiply the formula by 100 Do not forget to introduce parenthesis if necessary according to the usual mathematical rules Note that if you use a constant in your formula it must be preceded by a to differentiate it from an existing account number According to the position of the superior r
107. on 12 3 5 EDITING AN EXISTING TEMPLATE To modify a template display it on the screen Click and choose Edit the displayed template The 13 icons described above will be displayed on the screen These will allow you to place on the sheet any information available in BankScope When you have finished editing the template click and choose Save the template NOTE the Standard I and Standard II templates may not be modified 12 33 BANKSCOPE PRESENTATION SOFTWARE 12 3 6 SETTING A TEMPLATE AS DEFAULT Once you have designed and saved a template click and choose Specify a current template the template you select will be displayed whenever you open a BCR window NOTE You can switch to another template at any time by clicking choosing Load another template 12 3 7 MODIFYING THE LAYOUT OF THE TEMPLATE You can change the general layout of the BCR by clicking and choosing one of the proposed layouts 12 3 8 PEER GROUP REPORT AND ILLUSTRATION If you have used Peer objects in your template the button becomes available and offers the following options Currency allows you to display the Peer Report and the Peer Illustration in the currency of your choice Variables allows you to select the variables which will be available in any Peer Report or Peer Illustration Report The Standard Peer Group displays the values of the Standard Peer Group for the selected variables Your current Peer Group displays the valu
108. ope and will contain all scores relating to the countries The variables can be evaluated according to three different methods A User Defined Function This enables the user to assign a score when a variable reaches a specified benchmark Simply specify the Operator gt lt gt lt or the benchmark and the score to be assigned if that condition is satisfied The number of conditions 1 not limited see Figure 97 Note you can specify a score if the value is not available or if the value doesn t match any created condition by ticking the appropriate check box at the bottom of the screen 12 39 Elita Hoar oe 37 1 Design the Structure Quanta Specdp the variabler Specify the weights Counting variable Gpecily the ahir Eenerale 1 f A 1 Homey wan HT Seong BD Bu cr Design lbs Sbucturs variables Gpecdy the weights Evaluar Qusktatres Specdy the weights iha wenighte Generale Qualty ed Management Marco Dmursification Figure 98 Bureau van Dijk Scoring Far Acoras 97 Design the Structure Duantitalirs variables Sperify Ihe weights Evshestion variables Speciy Ihe weighlir Countip variables Spooky the weights Ka eon eye ekg Figure 99 BANKSCOPE PRESENTATION SOFTWARE The position of the variable in the quartil
109. or that year is not available no value will be displayed in that specific column By clicking on the check box Keep this layout as your current format your new layout will be substituted for the current layout It is also possible to create new layouts by clicking on the option Layout from the menu Options at the top of the screen see Chapter 15 Concerning the relative sizes for the income statement the line Operating Income Memo of the Global Format represents the base of 100 For the balance sheet the denominator 1s of course Total Assets BankScope List ME ES File View Options Edit List Window Display Help zi Total TA zu th USD Last Country Country World Index Last Year Code rank rank Roll number Year Mark Bank 1 Abbey National Plc 273 491 931 4 2 Amro Holding 504 121 647 1 3 Almanij 195 213 476 4 Intesa Banca Commerciale Haliana 312 170 491 1 5 Bilbao Vizcaya BBY 151 397 121 3 Banco de Espana 111 907 089 7 Banco Santander Central Hispano Proforma 269 084 501 1 8 Banco Santander A lt 176 948 678 124998 NN 2 57 225676 3 Banque Nationale de Paris BHP 376 589 859 64999 FR 4 10 Barclays Bank Plc 353 235 25 64999 GH 2 11 Barclays plc 353 205 25 64999 GH 12 Bayerische Hypo und Vereinsbank 145 521 335 897 94999
110. ou Ratings Last THOMSON BAHKWATCH As at Last 212000 Change 2 2000 Change Bank 1 or 1 WES Luxembourg 54 Companion Format Layout Peer Info Note Pla Wb EB FITCHIBCA Figure 3 BankScope Report Ele View Options Edit Report Window Display Help UBS Luxembourg 5A GLOBAL SUMMARY Unqualified Unqualified Unqualified Unqualified Unqualified Unqualified Unqualified 42 34 1148 12311997 123141996 12 314995 12 31 7994 12 314993 142044992 12 mil CHF mil CHF mil CHF mil CHF mil CHF mil CHF mil CHF BALANCE SHEET Assets 2000 Loans 2 436 2 2 042 3 2 985 1 2 196 4 3 023 1 2 975 3 3 125 3 2005 Other Earning Assets 12 156 0 13 310 3 13 494 1 12 739 2 15 623 7 14 739 7 14 247 6 2010 Total Earning Assets 14 592 2 21 852 6 16 479 2 14 935 6 18 646 83 17 715 0 17 372 3 2015 Fixed Assets 36 9 35 7 39 1 40 3 41 6 42 8 2020 Hon Earning Assets 937 1 1 242 2 451 1 327 2 259 7 330 3 2025 Total Assets 15 566 2 23 130 5 16 969 4 15 403 1 18 948 1 18 088 1 17 798 8 Liabilities amp Equity 2030 Customer amp Short term 13 235 5 19 386 0 14 037 8 12 794 9 15 128 5 15 538 8 16 224 2 funding 2035 Other Funding 842 7 1 941 1 1 686 9 1 397 8 1 737 7 683 5 407 2 2040 Other Hon Interest bearing 1 037 6 1 410 4 853 2 824 9 706 2 492 4 357 2 2045 Loan Loss Reserves n d n a n a n d n a 441 2 2050 Other Reserves n d n a n a n d n a n d 2055 Equity
111. p of banks This dustbin icon clears the screen and brings you back to the main menu For information on the File and Options menus see Chapter 15 Search by Bank Name Enter name or part of it ES A Bank of Western Australia Limited PERTH AUSTRALIA Index Mr Mickname 35858 HIBw AL Last avail Year End 29 02 2000 Thousand AUD Commercial Bank Source Annual Report World Rank 710 Tot Assets 17 332 100 Tot Equity 938 800 Fitch BLA Rating Legal 3 Country Hank 10 Cush amp ST Fund 10 232 900 Net Income 136 100 Moody s Bank Dep LT 41 Moody s Bank Dep 5T P 1 _List of standard Peer Group Barks m AA Records selected 0 _ ee gt um lt lt lt Il Figure 2 SEARCHING BANK NAME 3 SEARCHING BY BANK NAME Click on the button The yellow buttons below the main button bar offer you several search criteria In this chapter we will deal with the Bank Name criterion For more information on the other yellow search buttons please refer to Chapter 6 Click the button The alphabetical index of banks the Name index appears on the screen Figure 2 Type in the first letters of the bank name acronyms and native language can also be used The search will continue unt
112. pecify in the the format of entry e g Global Format Spreadsheet Format or Raw data format the years for which you want to input the accounts as well as the closing dates 5 INPUTTINGAND MODIFYINGDATA Afterwards all the lines of accounts for which you have to do the input are displayed Figure 68 Use the arrow keys to move in that screen Note that Total Assets Total Liabilities and Net Income are always calculated and displayed in the three sub total lines at the bottom of the screen The _ 2 button allows you to save your work at any time When the input is completed and saved you are ready to use your report as well as the associated illustrations The button takes you back to the main screen 11 3 Modifying and updating an existing BankScope bank Modify a Company When you click on Pase the Name index appears for selecting the bank or banks to which you want to add one or several years of accounts or for which you want to modify the existing data At the bottom of the report of the first bank displayed there are three buttons E En Jand The first two have the same function as described in section 11 2 Adding a new bank to BankScope The button enables you to select one of the four following options Modify the Header Add one more years Modify the existing Statement Update data from the CO AOM Modify the header clicking on this button displays the sam
113. per day relating to modifications in the ownership of the banks information collected in the other databases distributed by Bureau van Dijk or in other published sources when authorised by the concerned information providers 4 Foreign Banks in a given Country Domicile country Mother country region 6 JAPAM Specify pour understanding of foreign bank Maximum number of foreign shareholders 3 holding together at least 75 Include foreign shareholders with amp foreign bank can include local shareholders Figure 27 Be ank Lisi V9 Em Wem Options ci Let Winde uper alj xl EJEA te J ncn semet 1 Country das mri i Cole Hank of Toin echa pna In 13539 2 es 50 Dirssekderiiam Der 1 265 456 091 997 2 IR das 3 Indertriebark gno Fagaem AG The Bank of fa n 1 1004 2 1 DE uii c Gansa Bask Landis Thai ELE HE amp Ded io hrs Kangyo Benk EHE eG gr 4277 14105 E Masson LH 237305 pe pn nee 4236 T Hima Benk feuracmiancdi LA 1178813 DE 1551 5954 1 2531 SUT Klare Meven reb ul Mi qz BI DE nn 1 9 Tokai Bank ching Gane
114. position of rows and columns the values for the subject bank will be displayed in the first horizontal line of the screen instead of being displayed in the far left column for each year as shown in Figure 49 goes back to the table when a graphical illustration is displayed BankScope Peer Report Type BE E u File View Options Edit Peer Window Display Help g x Banca Commerciale ITALY AT Peer group Untitled Past Evolution of a Key arable compared to 3 Companies and to the Group 37 companies Compare w with Variables 2 Banque Nationale de Paris PARIS FRANCE 22 Customer Short Term Funding El 3 Barclays Bank Ple LONDON UNITED KINGDOM 71 Equity Mat Tana th USD 350 000 000 300 000 000 250 000 000 200 000 000 v by Year 150 000 000 by Company 100 000 000 44 Subject Comp CO Median 0 Average AM Std Dev ST 50 000 000 Ertan une fia Display Variables fears 37 Companies out of 37 of the Pea Group provide included 0 excluded FITCHIBCA Figure 50 BankScope Peer Report Type H ME ES u File View Options Edit Peer Window Display Help ES x Banca Intesa Banca Commerciale Raliana Y AT Peer group Untitled Past Evolution of a Key arable compared to 3 Companies and to the Groug 37 companies Compare with variables
115. r loading a bank set file The peer group can be freely chosen An example of such analysis is showed on Figure 45 Select Companies Ed Sort by Mame Value 1398 Total Assets gt EEE db nn hn np 9 np np op op np nn Abbey National Ple ABM Amro Holding Almanij Banca d Italia Banca Intesa Banca Commerciale Italiana Banco Bilbao Vizcaya BEW Banco de Espa a Banco Santander Central Hispano Proforma Banco Santander Banque Nationale de Paris Barclays Bank Ple Barclays ple Bayerische Hypo und Yereinsbank 145 Bayerische Landesbank Girozentrale Commerzbank AG TAS Cr dit Agricole Deutsche Bank AG 145 472 431 9311 504 121 647 198 213 478 164 512 612 312 170 491 151 997 121 111 907 089 269 084 501 176 248 678 378 989 859 353 295 625 353 295 625 521 335 897 263 290 140 375 804 493 455 780 732 706 085 278 y Include Selection Exclude Selection Include All Exclude All Save Companies Cancel Figure 46 Peer Report Delete Mame of Presentation ew presentation 1 Keep this Presentation as your current Presentation Currency USA USD Units Hates Default Logic Official Rates Billion C Own Rates C Million C Thousand Carcel Figure 47 PEER GROUP ANALYSES 9 6 Analysis a bank compared to one
116. s the financial data usually from a bank s annual report into models that are specific to each country Each model identified by a nickname see Help Format Definitions is made up of a sequence of lines following the bank annual report balance sheet profit and loss off balance sheet items and notes Alterations to the data as provided by the bank are minimal This input model or template 15 called the Raw Data format This format can be viewed in English and often in the native language as well Some countries have more than one raw data model where there is a group of banks with different reporting practices e g Japanese securities houses or U S bank holding companies From time to time the lines of a model may be amended to reflect changes in a country s accounting reporting regulations We feel that our country specific input technique is the most efficient way to reflect the diversity of accounting practices worldwide and to accommodate the trend towards increasingly detailed reporting requirements 1 2 Spreadsheet Format The Spreadsheet format is derived from the Raw Data While spreadsheets for all the banks share a similar structure components of the standard sections may vary from one country to the next depending on that country s reporting requirements For example the Liabilities side always contains the following sections Customer and short term funding Other Funding Other non interest beari
117. scribed in Chapter 3 5 MULTI CRITERIA SEARCH 6 1 2 SEARCHING BY NICKNAME Every type of statement is identified by a nickname which 1 a string of up to 8 characters Click to display a dialog box with the index of available nicknames Type the first characters of the nickname searched for and the index will automatically highlight the first nickname of the index starting with that string The corresponding snapshot will also appear in the top right hand corner of the window Click on gt to select the highlighted line and _ to validate the selection 6 1 3 SEARCHING BY INDEX NUMBER AND SWIFT NUMBER Click on to start the search A drop down list will appear allowing you to select an Index number or Swift number In the case of search by Index number several index numbers can be entered successively When this is done click on me qf only one index number has been entered the report will be directly displayed if not the list of selected banks will be displayed n the case of a search by Swift number a dialog box shows te Swift numbers index Just type the Swift number and the index will highlight the line starting with this string Click on L to validate the selection 6 1 4 SEARCHING BY GEOGRAPHIC AREA Click on to start the search A yellow menu appears enabling you to choose between a search by country or by world regions n the case of a search by country a
118. splays a bar chart for one variable see Figure 9 The illustrated variable is selected by using the two menus above the bar chart The button allows you to modify the period displayed These be copied and pasted into Excel or Word 72 ELH Cad lar T rm Fe EL Empate er Ata a Fenn on isnag Dass Fe i Vier gin ri Porra Gaming Pasos JP organ amp Co neon hndax ki 34 005 Total 3 500 El Be of bded ubican UE hamir LT Figure 13 Figure 14 REPORTS displays the illustration of several variables in indices Figure 10 Note that the diagram is presented by default with a set of five standard variables By clicking on the button a new set of variables be created or a former set can be selected This 15 also possible via the Options menu See Chapter 15 You can also define any selection of variables as current set which will be displayed by default you can change the year base for which the variables considered as indice 100 by clicking on the menu on the right hand side at the bottom of the screen The figures displayed in the top window indicate the values taken by the variables for the year base selected displays the illustration of the evolution of a set of variables in the
119. ssword issued to you by Bureau van Dijk together with the CD ROM Type the password and click LL 4 Inthe Get Path screen you have to type the drive and folder where the BankScope program and user files are to be installed By default they are installed in CASCOPE32 amp CASCOPE32 USER You can change this to a shared network drive such as for example F APPS SCOPE32 If you specify a nor already existing folder in the path will be created for you Click 5 RankScope 32 bit Setup Wizard Welcome This program will guide you through the process of installing BankS cope 32 bit to run on your system 79 BUREAU van Reuters Ltd Capital Intelligence Ltd Thomson Bankw atch Inc The Economist Intelligence Unit Next gt gt mm 32 bit Setup Wizard Get Path The zelup program dl cog bat Scope S2 be her mo le follewang diciones The drecioles il ba claalad dtes do nol yet Wa Program Files 215 0 32 BUREAU van DIJK Us Files IL SCUFE 124 SEH FITCHIBCA Reiters Lid Capta Lid Thomam lnc Ths Unl Excel Add in You can choose to install the files needed for the Excel Add n feature BUREAU van DIJK FTTCHIBLA Reuters Ltd Capital Intelligence Ltd Thomson Bankyratch Inc The Economist Intelligence Unit lt lt Back __ gt
120. t institution Country Banking Reports are annual evaluations of each country s banking and financial markets consisting of three separate sections the Banking Supervision the Accounting and Disclosure Standards and the National Banking Environment 16 2 2 SUBSCRIPTION There are two ways to subscribe to Capital Intelligence Reports on BankScope you can subscribe annually for access to regional packages Gulf Mediterranean Asia Pacific Central Eastern Europe South Africa or all you can access Reports by purchasing from Bureau van Dijk a floppy disk containing a number of credits called a credit disk Inserting the credit disk will unlock the access to the information available br the next twelve months The number of credits necessary to access the information will be deducted from the floppy disk credit will buy an upgrade from a Rating Report to a Bank Report 2 credits will buy a Rating Bank Report credits will buy one Bank Report FD 2 Search by Bank Name Enter name or part of it Abanka B D Ljubljana LILIBLJANA SLOVENIA Index Mr Mickname 35837 ABAMEA ABANKA D D LJUBLJANA 5 02 1999 Last avall Year End 12 31 1998 Million SIT Commercial Bank Source Annual Report World Rank 3541 Country Rank Tot Assets 120 381 Lust amp ST Fund 104 735 Tot Equity 9 633 Income 1 347 FitchIBCA Rating LT BBB El Rati
121. table presents see Figure 57 the results of the analysis It shows the values of the quartiles and the deciles of the distribution as well as the average and the standard deviation The rank of the bank is given in the list in the upper window this list can be sorted alphabetically or according to the variable under study The distribution is illustrated by two graphics that are displayed when clicking on the following icons displays a bar chart representing the distribution in classes and showing the number of banks of each class Figure 58 The vertical dotted lines correspond to the values of the quartiles and the red hyphen line corresponds to the bank selected in the upper pane displays a diagram Figure 59 similar to the one described in the section of the peer group comparison see Chapter 9 The bank highlighted in the list in the upper window is represented by a red dotted line in the diagram This list can be sorted either alphabetically or according to the descending values of the variable under study The first and last deciles can be excluded from the diagram by checking the Include Exclude radio button 10 3 G 3 1 Arde pr lee Gree Dossin ee le Dem iem qe ala e Las ase E vri bnc HU E 1412
122. the first shareholder of BBL BvD GetCdData32 BANKSCOPE 10028 BEF 9 0 501 Note that the Unit code and the Currency code are not relevant here since the information 1 textual 12 1 3 4 ACCESSING STANDARD PEER GROUPS AND CURRENT OWN PEER GROUPS WITH THE ADD IN FORMULA Standard Peer Groups can be used in the Add in function The Line Number parameter which is the last parameter in the formula has to be adapted as follows to access this data The first digits before the hyphen correspond to the line number of a financial item 5 BANKSCOPE PRESENTATION SOFTWARE A hyphen The characters following the hyphen depend on the information you wish to display with reference to the peer group Please refer to the table below it has to be typed in capital letters Pb Quartile 1 POI pb4 Deko 202s Quartile 3 2025 PQ3 Dee m Position Quartile 2025 PQ 2025 PD Position Decile Important Note In the case where an Own Peer Group has been assigned to the bank displayed the own peer group will be displayed instead of the standard peer group Example The following formula displays the median of the Peer Group of BBL for Total Assets in 1998 expressed in billions of BEF BvD GetCdData32 5 710028 79 71998 2025 5 Add in Manager Dijk ADDIM for rece rc
123. the formats the layouts the customised accounts the statements updated or modified by the user the bank set files where statements have been excluded from the peer and statistical analysis the set of variables for the graphical illustrations the peer group comparisons and the statistical analysis The transfer of lists and reports to other software implies the creation of corresponding files structured according to a format specific to the software programme in which the data will be used This is explained below in section 14 3 14 1 El SAVING LOADINGAND EXPORTING BANK SETS PRINTING 14 2 Loading and Saving files Search strategies and bank set files can be saved and retrieved by using the two corresponding options of the file menu 14 3 Exporting files It is possible to transfer to various software programmes spreadsheet word processing or database software Lists of banks Reports Comparison tables and group reports of the statistical analysis Bank Credit Reports The table below indicates for each software the types of transfers that are possible Software List Report Comparison BCR Type of file Table or Group Reports Excel X X X xls DBase X X dbf Lotus 1 2 3 X X X wk1 Sylk X slk Multiplan X X X sIk DIF X dif Rich Text Format Word for X X X rtf Windows ASCII X X txt ASCII Delimited X X asc 14 3 Formatted Export
124. the list or the report screen choose File Associate Companies to existing Peer Groups The window illustrated in Figure 56 will be displayed In the left pane of this window you will see the list of selected banks and in the right pane the list of existing own Peer Groups To associate one selected bank to an own Peer Group select the bank from the left pane and the Peer Group to which you want ot associate it from the right pane Click on Associate You can associate one bank to more than one own Peer Group by repeating this last step In this case you may choose a default peer group check the tick box in the middle column To suppress the association between a bank and a Peer Group select both the Delete bank and the Peer Group and click on the L button The 4 button allows you to choose more banks directly from this window to let you associate them to existing Peer Groups You can also change the current own Peer Group from the report screen please refer to 4 1 All bank being part of a saved own Peer Group are associated to it by default STATISTICAL ANALYSES 10 STATISTICAL ANALYSES 10 1 Overview Statistical Analysis studies a group of banks without emphasising any particular bank of the group 10 2 Typology of the statistical analyses BankScope offers five different types of statistical analysis aggregation of the group distribution of a variable concentration anal
125. untry to another since they are based on the declarations made to the European Commission by the relevant professional organisation of the member states For Swiss banks the classification is given by the Commission F d rale des Banques For Japanese banks it is supplied by the Federation of Bankers Associations of Japan Zenginkyo Click on dialog box showing the general specialisation 1s displayed by default Select the line corresponding to the needed specialisation and click to validate the search A Specialisation Available Specialisation Selected Specialisation General Specific Cancel Figure 25 Search 2080 NET INTEREST REVENUE USD Most current Year 1999 98 97 1998 Minimum Value 7 1997 C Average 1997 1998 Maximum Value Last available Year Type of Statement Consolidated Statements if not available Unconsolidated OF Cancel Figure 26 MULTI CRITERIA SEARCH In order to select a country specific specialisation select one of the EU countries Japan or Switzerland see section 6 1 4 first then click 1 The different country specific specialisations see Figure 25 will appear in the list Highlight the desired specialisations and click to select them Click validate the search It is still possible to use the general specialisation by checking the general radio button 6 1 6 SEARCHING
126. ur Access Database Use the drop down to select a previously saved set of variables or click New Set to create a new set then click Close Click Select the Period s The Periods to be displayed in Access will be shown If you want to modify these click the Change button and then Close see Figure 80 Click Select the companies to choose the banks that you want to include in your database This displays the BvD Add in screen that allows you to select banks from the BankScope database as if you were using the BankScope search programme see Figure 81 12 19 FI INIMIEMEN XXXX SEES MRED eed Xuxx Figure 82 BANKSCOPE PRESENTATION SOFTWARE 6 In the appearing screen check the define your own fields to add on the form tick box to display the table see Figure 82 in which you will have to type the name and the type of the fields you want to add to your database The following type of fields are available from the type drop down 22 Text The text typed in by the user can include up to 255 characters 22 Memo These fields can include a lot of text and are ideal for typing in comments 22 Currency Only values can be typed in in these fields These figures will be displayed using the currency settings of your system 22 OLE These fields allow you to link or insert OLE Documents This means that you can store in your database al
127. ur sheet click this button to select the banks you want to display on your spreadsheet according to the same search criteria as in BankScope Proceed as if you were working in BankScope After you have defined several search criteria you can use the seat button at the bottom of the screen to edit the selected search step or click the L222 step button to delete it Use to delete all search steps click this button to import the data in Excel according to your choices File menu offers you the possibility to save your search strategy Save the search strategy or to make use of an already saved one Load a search strategy whether it was saved from Excel or from BankScope The search strategies are files with a srh extension which are located in your user folder Language menu allows you to select another language for the menus and buttons in this BvD add in window The Options menu offers you several additional commands among which the possibility to specify the exchange rate as well as the access to updated financial data directly via the internet by clicking the Access Mode option 72 12 35 G BANKSCOPE PRESENTATION SOFTWARE 12 1 3 THE EXCEL ADD IN FORMULA STRUCTURE As any other Excel formula the ADD IN formula is recalculated whenever the file 1s opened or if any of its parameters changes The ADD IN formula structure is the following BvD GetCdData32 BANKSCOPE Index Number C
128. urrency Unit Year Line Number Let s examine the parameters of this formula in details DISK INDEX NUMBER CURRENCY UNIT YEAR the name given to the CD ROM BANKSCOPE the Index Number of the Bank For example 10028 for Banque Bruxelles Lambert Consolidated the ISO code USD DEM etc of the currency in which the data will be displayed If the reference cell just contains an apostrophe it means that the original currency of the statement will be displayed the settings of the units used The following values can be used Original unit of the statement Thousands Millions Billions ON Uy the year which corresponds to the data displayed For fixed Years use Year End Data Interim Data 1098 1998 04 1097 1998 03 1996 1998 02 1995 1998 01 For relative years use Year End Data Interim Data LY LQ LY 1 LQ 1 LY 2 LQ 2 FD BANKSCOPE PRESENTATION SOFTWARE LINE NUMBER the line number of the data to be displayed For example 2025 will display the Total Assets of the Bank Any line from the Global Summary Global Detailed Spreadsheet or Raw Data formats can be accessed This parameter may also be used for displaying data on shareholders subsidiaries and Standard Peer Groups see hereafter Example The following formula BvD GetCdData32 BANKSCOPE 10028 USD 9
129. ustomised format in the Design your own customised format dialog box see Figure 21 Type the name for your new format in the Format box at the top of your screen and click L The dialog box displayed in Figure 40 will appear on your screen check the tick box Create a new customised account with this name and click __ amp You now have to select the new format and to edit t according to your choices If necessary change the model to which this new format will apply by selecting another model in the drop down list The dialog box d in Figure 41 will appear on your screen Select the appropriate option and click NOTE If you change the model to which you apply the new format make sure the account numbers still refer to what they should Indeed the same account number does not refer to the same financial item for the spreadsheet and raw data formats which are country specific u 5 Creation of the User Defined Variables of the ratio Delete Model El Hatve English Year _ gt C N 1 Average Units Percent Y Limits Lower reached Profile fe value dim Show for noting E Shon another valde Lower Upper Treat n a as zero un Ton coved Figure 42 USER DEFINED VARIABLES 8 USER DEFINED VARIABLES There are two ways to access the dial
130. ve Score based on variables defined by the user The scores will be assigned by the user and weighted to compute a Qualitative Score A Country Score also based on variables specified by the user The scores will be assigned by country and those scores will be weighted to compute a Country Score The Final Score is calculated by weightings the Quantitative Qualitative and Country Scores When the wizard is completed the specified scoring model will be created automatically see Figure 91 it will then be possible to apply it to any statement of BankScope 12 4 1 CREATING A SCORING MODEL WITH THE WIZARD 1 Start Access and click on File then on New to create a new database 2 From the database container choose Tools Add In Select the option Add In Manager 3 Click L Ne and open the File BvDScore MDA located in the folder where the software has been installed example CASCOPE321 for BankScope When this is done close the Add in Manager window see Figure 92 4 Click on Tools and Add Ins The sub menu will now show a Bureau van Dijk Scoring Wizard item see Figure 93 NOTE Bureau van Dijk scoring wizard add in will be available the next time you open this Access Database 5 au won Scemng bed Figure 95 TIT Si rately hor ree o4 WIL RR ederet
131. ysis linear regression group reports 10 3 Accessing the statistical analyses The statistical analyses can be accessed three different ways 22 At the end of a search by clicking on 891808 The analysis will be conducted on the group of banks selected at the end of the search After loading a bank set the analysis will be conducted on the banks found in the bank set file Direct Access by clicking on without having selected banks or loaded any bank set whenever you select a type of analysis you will be asked to select the bank set on which you want to carry out your analysis When viewing the results whatever the used statistical analysis a button will allow you to exclude one or several banks from the group exactly as for the peer group analysis Note that all tables and graphics described in this Chapter can be copied and pasted into other packages 5 se ee ERAS E md Be Figure 59 STATISTICAL ANALYSES 10 4 Aggregation of the group This analysis consists in aggregating the accounts of a group of banks n order to assess their sum total For example you may use this analysis to merge two banks or to estimate the size of a country s banking system 10 5 Distribution of a variable This module presents the distribution of any variable financial data or ratio for the group of selected banks A

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