Standard & Poor's Stand-Alone Credit Profile (SACP)
Standard & Poor's does not provide a definition as such, since the SACP is a component of the issue rating or the issuer credit rating. However, the scale ranges from 'aaa' to 'd' , which parallels issuer credit rating scale, from 'AAA' to 'D'.
Moody's Baseline Credit Assessment (BCA)
Baa2: A forward-looking assessment of the standalone credit strength of a bank, based on its Macro Profile, Financial Factors and Qualitative Factors, and capturing the probability of a bank defaulting, or requiring support to avoid such a default. Issuers rated “Baa” are judged to have a medium-grade intrinsic, or standalone, financial strength, and thus subject to low credit risk absent any possibility of extraordinary support from an affiliate or a government. The “2” modified indicates a mid-range ranking.
Fitch Ratings Viability Rating (VR)
a: High fundamental credit quality. 'a' ratings denote strong prospects for on-going viability. Fundamental characteristics are strong and stable, such that it is unlikely that the bank would have to rely on extraordinary support to avoid default. This capacity may, nevertheless, be more vulnerable to adverse business or economic conditions than is the case for higher ratings.