The Rating Advisory Service from Bank Austria is offered as part of the corporate customer consulting concept "integrated corporate finance" (ICF). ICF combines financial standing-oriented advice with individual financing solutions for large corporates and growth-oriented small and medium-sized enterprises. As such, an increased focus is placed on alternative forms of financing beyond traditional loan financing.
Small and medium-sized enterprises with an annual turnover of EUR 3 million or higher and major corporates that are looking for advice on Bank Austria's internal rating and that are interested in options and instruments (such as financing alternatives to the traditional bank loan) to improve their rating and financing structure are the intended recipients of the Rating Advisory Service.
The corporate customer is subject to a bank-internal rating procedure to assess its economic situation. The Bank Austria rating system is presented to the customer along with its rating. The relationship manager and customer then work together to identify options for improving this rating. The Bank Austria Rating Advisory Service is designed as a long-term support process and is targeted at strengthening the economic position of the corporate customer over the medium term, thereby achieving a positive effect on the pricing of finance products for the customer.
We are not only one of the first banks in Austria to explain its rating system, we also suggest ways to improve a corporate customer's rating after we have completed our analysis. These solutions are primarily intended to improve the financial position of the customer with the help of alternative forms of financing, and can sustainable strengthen the competitive position of the customer. If desired, external consultants such as tax consultants can be called upon to evaluate additional measures in the company with regards to their effect on the bank rating. The advisory services provided by Bank Austria as part of Rating Advisory Service are free of charge. Any costs for external consultants, studies, assessments in external databases, etc. must be covered by the customer.
Your relationship manager at Bank Austria will be happy to provide you with more information.