Major Rating Factors: Excellent overall results on stability tests (7.1 on a scale of 0 to 10). Strengths that enhance stability include excellent operational trends and excellent risk diversification. Strong capitalization (8.0) based on excellent risk adjusted capital (severe loss scenario). Furthermore, this high level of risk adjusted capital has been consistently maintained over the last five years. High quality investment portfolio (7.9).
Other Rating Factors: Excellent profitability (7.7) with operating gains in each of the last five years. Excellent liquidity (9.0).
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company.
Principal Lines of Business: --
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