modefinance independently develops procedures, criteria and models that constitute the foundations of its credit rating activity. Corporate and bank ratings issued by modefinance are the result of two methodologies: the first, purely quantitative, is MORE Methodology, widely tested on millions of companies and thousands of banks worldwide during a continuous scoring activity; the second methodology, RATING Methodology, implies the intervention of modefinance team of rating analysts, who are responsible for the activity of issuance, monitoring and publication of all the credit ratings.