what role do bank credit ratings play 
importantly they can be a source of information and transparency for consumers and investors credit ratings are vital to healthy and efficient capital markets along with other important financial data they can provide investors with the confidence to invest which in the long run can mean ongoing and vital economic activity and wealth building the bottom linebank ratings are grades related to aspects of financial institution safety and soundness assigned by government agencies or private rating agencies they are produced to ensure that the public has adequate and clear information about the financial institutions that they may open accounts with invest in or lend to 