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October 6, 2011 Banking Industry Country Risk Assessments Primary Credit Analysts: Scott Bugie, Paris (33)1-4420-6680; scott_bugie@ Louise Lundberg, Stockholm (46) 8-440-5938; louise_lundberg@ Secondary Credit Analysts: Devi Aurora, New York (1) 212-438-3055; devi_aurora@ Angelica Bala, Mexico City (52) 55-5081-4405; angelica_bala@ Sharad Jain, Melbourne (61) 3-9631-2077; sharad_jain@ Harm Semder, Frankfurt (49) 69-33-999-158; harm_semder@ Emmanuel Volland, Paris (33) 1-4420-6696; emmanuel_volland@ Meriem Chattou, Paris (33) 1-4420-6703; meriem_chattou@ Table Of Contents Gross Problematic Assets Latest BICRA Actions And Reports Requests For Comment Preliminary Banking Industry Country Risk Assessments For 23 Countries BICRA And GPA Groups /ratingsdirect 1 897188 | 301435595 Banking Industry Country Risk Assessments (Editors Note: This article updates for changes to BICRA scores, GPA, or sovereign ratings that we have made since it was last published on Sept. 8, 2011.) The strengths and weaknesses of an economy and banking industry are critical factors that underpin the credit profile of a countrys financial institutions. For that reason, to analyze the credit standing of a financial institution, Standard Poors Ratings Services places it in the context of the broad economic, regulatory, and legal environment where it operates. We distill this analysis into a single Banking Industry Country Risk Assessment, or BICRA, that reflects the strengths and weakness of a countrys banking industry relative to other countries. BICRAs classify countries into 10 groups ranging from the lowest-risk banking industries (Group 1) to the highest risk (Group 10) from a bank credit perspective. At present, we assig