The report said that Moody's A3 senior unsecured debt rating on AIG reflects Moody's expectation that AIG's business profile will be raised by the performance of Chartis — the rebranded core General Insurance operations, while the financial profile will be determined by the restructuring process itself. The analysts also predicted that AIG will make full repayment of its senior secured bailout loan from the Department of the Treasury and that its preferred stock investments will recover, at least partially. The carrier's ratings could be reduced if Moody's perceives an increased risk that asset values will fall below the forecasted range.