ARC Risk Group is a global risk business with staff based in nine countries, on four continents. The group brings together four specialist companies — ARC Ratings, ARC Analytics, Concept ABS and ARC Comply — spanning credit ratings, structured finance data, analytics and compliance technology.
We serve many of the world's largest banks, issuers, investors, insurers and corporates, rating transactions in more than 30 countries, covering securitisation markets across Europe and Australia, and screening risk in real time, worldwide.
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A globally recognised rating agency, registered by ESMA, the UK's Financial Conduct Authority, and licensed with Hong Kong's Securities and Futures Commission. A designated External Credit Assessment Institution (ECAI), the agency's ratings are eligible under both Basel III and Solvency II. For over 30 years, ARC Ratings have provided clients across the globe with credible, independent ratings across public and private markets, and have rated over €180bn in transactions to date.
LEARN MOREAdvanced software that modernises analytics, compliance and reporting for financial institutions and corporates worldwide. ARC Analytics gives structured finance investors the edge in deal evaluation, generating standardised deal and loan-level data across the ABS, RMBS, CMBS and CLO markets, with credit risk models to stress-test structures.
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Concept ABS offers full visibility across the primary ABS markets – combining live deal coverage, historical data, and independent research. Follow new issuance as they happen, analyse pricing and structure in context, and benchmark deals against the market.
Away from the screens, Concept ABS convenes the market itself – through the Concept ABS Awards, judged on real deal data, and a calendar of briefings and industry events where issuers, investors and arrangers meet.
ARC Comply is built by people who have operated compliance screening inside theworld's largest institutions. That expertise powers a platform that makes screening simpler, faster and more accurate, and certified to ISO 27001:2022.
LEARN MORETom Lemmon speaks with Gregor Burkart, SVP Asset Financing at Enpal, about the rise of residential solar ABS in Europe. The discussion covers Enpal’s Golden Ray platform, investor appetite for green securitization, RMBS-like loan performance, and how financing will support the broader energy transition across solar, heat pumps, and EV infrastructure.
VIEW MOREEffective NPL resolution is critical to banking-sector resilience, capital efficiency and lending capacity. ARC’s analysis compares market-based securitisation and bad-bank solutions with traditional internal workout approaches, highlighting their differing implications for risk transfer, liquidity, investor participation and financial-market development. Increasing integration and harmonisation of European financial markets and regulatory frameworks could further facilitate market-based NPL resolution, creating new opportunities for investors.
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September 3, 2026
EU/EEA banks entered 2026 with overall asset quality remaining broadly stable, but the headline figures continue to mask material differences between lending segments. Consumer credit recorded the highest NPL ratio among the major segments shown, at 5.56%, compared with 1.37% for mortgages, while Stage 2 exposures remained historically elevated at 9.11%. The more relevant read-across for consumer ABS is therefore at pool level, where early arrears and servicing performance may provide a clearer indication of emerging stress than system-wide asset-quality measures.
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September 3, 2026
Applying a consistent, fundamentals based analytical approach to private ratings/credit assessments will enhance transparency in private credit markets. ARC’s analytical framework, which mirrors its public corporate rating methodology, provides comparable and forward looking credit opinions despite more limited information. This matters as investor demand and regulatory scrutiny increase, because it improves risk benchmarking, supports more disciplined capital allocation, and addresses the comparability gap in a largely unrated and opaque market.
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September 3, 2026
Diversification in the CDMO industry is evolving beyond customers and geographies, with supply-chain resilience emerging as a key consideration for revenue durability and credit assessment.
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September 3, 2026
Contract quality is increasingly outweighing duration as a driver of differentiation across ARC’s portfolio of European business services credit assessments. The benefit of contracted revenue depends heavily on whether the underlying agreement protects operating margins and cash conversion under stress, rather than simply offering historical recurrence. A multi-year contract may provide initial revenue visibility, but its support for the credit profile weakens materially if fixed pricing leaves the issuer exposed to unmitigated cost inflation or delayed customer payments.
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September 3, 2026
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