Diversification needs a right to win
“Diversification per se is not necessarily credit positive … it doesn’t absorb any shock but creates complexity.”
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Edoardo Calandro is a member of Moody’s EMEA Financial Institutions Team, based in London. He oversees ratings of non-bank financial institutions in the EU and UK, as well as bank ratings in Iceland. He also has lead responsibilities for global investment banks and a portfolio of UK-based banks.
Since joining Moody’s in 2008, Edoardo has worked on ratings and research covering financial institutions. Before taking on his current role, he was the lead analyst for banks based in the UK, Italy, and Türkiye. He was also a member of the working group that updated the Banks methodology in 2025 and authored several reports on global banks.