Every quarter, the credit conditions committees at S&P Global Ratings, composed of the chief economist at the regional and global level and the most senior rating experts across all asset classes, meet to define the base case that ratings analysts will use to underpin ratings forecasts in Asia-Pacific, North America, Europe and emerging markets. These reports are published on S&P Global Ratings' website to create full transparency about the assumptions that substantiate credit ratings around the world. The report on Europe, " Credit Conditions Europe Q4 2023 : Resilience Under Pressure Amid Tighter Financial Conditions," was published Sept. 26.