Moody's Investors Service has tweaked the way it devises its financial strength rating to gauge if banks will need a bailout.      The bank financial strength rating — which assesses the probability that an institution will need external help — now puts more emphasis on capital, earnings, and projected losses tied to risky assets, the agency said in a report issued this month.

David Fanger, a Moody's senior vice president, said it now takes into account multiple forward-looking scenarios, including projected earnings or losses net of dividends over 12 to 18 months.

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