

We often spend so much time looking ahead at where we’re going that we forget to look down at where we stand. Our —our origins—are not just a point on a map or a date in the past; they are the silent architects of who we are today. Why looking back matters:
AI responses may include mistakes. For legal advice, consult a professional. Learn more
Understanding our family history and cultural heritage gives us a sense of belonging in a fast-moving world.
Our roots don't hold us back; they ground us so we can reach higher. 🕊️ #Orígenes #Roots #Identity #Heritage #Growth #Ancestry
Take five minutes to think about one person from your past who paved the way for your present.
Reconnecting with our "original" dreams helps us filter out the noise and refocus on what truly matters. How to honor your origins today: Listen: Ask an elder to tell a story you’ve never heard.
Remembering the challenges our ancestors (or our younger selves) overcame reminds us of the strength we carry in our DNA.
Write down a family recipe or a personal "day one" memory.
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Evaluating LGD:
S&P Global Market Intelligence's LGD scorecards are used to estimate LGD term structures. These Scorecards are judgment-driven and identify the PiT estimates of loss. The Scorecards are back-tested to evaluate their predictive power on over 2,000 defaulted bonds.
The Corporate, Insurance, Bank, and Sovereign LGD Scorecards are linked to our fundamental databases, meaning no information is required from users for all listed companies and for a large number of private companies.
Final LGD term structures are based on macroeconomic expectations for countries to which these issuers are exposed. Fundamental and macroeconomic data is provided by S&P Global Market Intelligence, but users can again easily utilize internal estimates.
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Source: S&P Global Market Intelligence; for illustrative purposes only.
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We often spend so much time looking ahead at where we’re going that we forget to look down at where we stand. Our —our origins—are not just a point on a map or a date in the past; they are the silent architects of who we are today. Why looking back matters:
AI responses may include mistakes. For legal advice, consult a professional. Learn more
Understanding our family history and cultural heritage gives us a sense of belonging in a fast-moving world.
Our roots don't hold us back; they ground us so we can reach higher. 🕊️ #Orígenes #Roots #Identity #Heritage #Growth #Ancestry
Take five minutes to think about one person from your past who paved the way for your present.
Reconnecting with our "original" dreams helps us filter out the noise and refocus on what truly matters. How to honor your origins today: Listen: Ask an elder to tell a story you’ve never heard.
Remembering the challenges our ancestors (or our younger selves) overcame reminds us of the strength we carry in our DNA.
Write down a family recipe or a personal "day one" memory.

The team at S&P Global Market Intelligence specifically designed our IFRS 9 solutions to meet this requirement. To learn more about our robust, efficient, and transparent IFRS 9 offering
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On-Demand Webinar
![]() IFRS 9 for Insurers: Implementing a Robust,
Efficient and Transparent Methodology
Gain a practical demonstration to produce the new ECL calculations as required by IFRS 9, to avoid the black box effect.
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On-Demand Webinar
![]() Coronavirus Insights: An Outlook
on Corporate Credit risk in Europe and
IFRS 9 Implications
We provide insights into the state of credit risk of
unrated companies, and explore the impact of
macroeconomic factors on IFRS 9 impairment calculations.
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Blogs
![]() IFRS 9 Blog Series
Read our three part blog series to help insurance companies tackle the changes to meet IFRS 9 credit impairment requirements
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