Credit ratings are assessments of a borrower's ability to pay back loans. They influence interest rates and loan approvals. The major credit rating agencies in India are CRISIL, ICRA, CARE, ONICRA, SMERA, and Brickwork Ratings. They rate individuals, companies, banks, bonds, and other investments on scales like AAA to D based on factors like credit history, finances, and default risk to help lenders and investors evaluate risk. Registration with the market regulator SEBI is required to operate as a credit rating agency in India.
Credit rating services, benefits to investors , issuers , regulators and mergers & acquisition in banking sector, narasimhan committee report and raghuram rajan report on mergers & acquisition
This presentation is on Credit rating agencies in India. here I presents it's origin, importants, benefits, objectives, need and about different rating agencies.
credit rating meaning
origin of credit rating agency
importance, benefits,objectives, needs
credit rating agency in India . Items rated
CRISIL rating symbols for long term and short term instruments
Credit rating services, benefits to investors , issuers , regulators and mergers & acquisition in banking sector, narasimhan committee report and raghuram rajan report on mergers & acquisition
This presentation is on Credit rating agencies in India. here I presents it's origin, importants, benefits, objectives, need and about different rating agencies.
credit rating meaning
origin of credit rating agency
importance, benefits,objectives, needs
credit rating agency in India . Items rated
CRISIL rating symbols for long term and short term instruments
International Finance after the sanction for Iranian companiesmolavipeyman
One of the biggest problem for Iranian entity in international finance was the sanctions, the sanctions after Joint Comprehensive Plan of Action JCPA in 14th of july Iranian companies must facilitate themselves with the initials of International finance.
first step: getting international credit rate.
Second step: preparation of International Annual Report
Third Step: Bankable BP & FS
This presentation provides basic idea of CRA. It states various Indian as well as international Credit rating agencies. We can also get basic knowledge of research methodologies used by CRA for rating the companies.
Credit rating, it's historical perspective, Indian perspective, process of credit rating, communicating of credit rating, Top credit rating agencies, rating symbols have described.
Credit Rating has become an important aspect when we talk of Finance these days; what are the major Credit rating agencies in India and other International companies in same business are mentioned here. The process followed by these companies are also touched upon this presentation
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
2. MEANING
• Credit Rating is an assessment of the borrower (be
it an individual, group or company) that determines
whether the borrower will be able to pay the loan
back on time, as per the loan agreement.
• This credit rating influences the bank’s decision of
approving your loan application at a considerate
rate of interest.
• It is usually expressed in alphabetical symbols.
Although, it is a new concept in Indian financial
market but slowly its popularity has increased
3. CREDIT RATING IN INDIA
• If we talk about an ideal world, everyone would have
enough money to take care of their needs.
• However, facing the reality, most of us have little option
but to take credit to meet our life goals, especially the
ones involving a huge amount like taking a car, home,
etc.
• To making borrowing money from bank easier, it is
important to have a good credit history which is
determined by not only the credit score but also the
credit rating.
4. IMPORTANCE OF
CR
1. For The Money Lenders
• Better Investment Decision
• Safety Assured
2. For Borrowers
• Easy Loan Approval
• Considerate Rate of Interest
5. WORKING
• Every credit rating agency has their algorithm to evaluate the credit
rating.
• The major factors are credit history, credit type and duration, credit
utilization, credit exposure, etc.
• Every month, these credit rating agencies collect credit information
from partner banks and other financial institutions.
• Once the request for credit rating has been made, these agencies dig out
the information and prepare a report based on such factors.
• Based on that report, they grade every individual or company and give
them a credit rating. This rating is used by banks, financial institutions
and investors to make a decision of investing money, giving loan or
credit card.
• The better is the rating, more are the chances of getting money at
payable interest rates.
6. TYPES
• SOVEREIGN CREDIT RATING
A sovereign credit rating is the credit rating of a sovereign
entity, i.e. a national government. It rates the government and
provides how good the economy is in terms of doing business.
The sovereign credit rating indicates the risk level of the investing
environment of a country. It takes economical risk and political risk
into account.
• SHORT TERM RATING
A short term rating is a probability factor of an individual
going into default with in a year. This is in contrast to long term
rating which is evaluated over a long timeframe. In the past
institutional investors preferred to consider long term ratings. Now a
days short ratings are commonly used.
low probability = better rating
high probability = worst rating
7. • CORPORATE CREDIT RATINGS
The credit rating of a corporation is a financial
indicator to potential investors of debt securities such as bonds.
Credit rating is usually of a financial instrument such as bond,
rather than the whole corporation and have letter designations
such as A , B, C.
The standard and poor`s rating scale is as follows , from
excellent to poor : AAA, AA+, AA, AA-, A+, A, A-, BBB+,
BBB, BBB-, BB+, BB, BB-, B+,B, B-, CCC+, CCC, CCC-,
CC, C, D.
Anything lower than a BBB- rating is considered a speculative
or junk bond.
9. MOODY`S INVESTOR SERVICE
• JOHN MOODY founded the Moody`s agency at the
beginning of the 20th century.
• It undertakes the rating of wide range of debt related
securities, international issues, commercial papers, etc.
Both in USA and international markets.
• Other services include-assessing financial strength of
insurance companies, mutual funds, banks, public utilities
10. STANDARD AND POOR`S
CORPORATION (S & P)
• One of the first credit institutions which has history of 157
years, founded in the year 1860.
• It provides credit ratings on bonds, countries and other
investments.
• It calculates more than 1 million stock market indices.
11. • Fitch ratings is an international credit rating agency
based out of New York City and London
• Fitch bases the ratings on factors, such as what kind of
debt a company holds
• The Fitch rating system is very similar to S&P's in that
they both use a letter system.
FITCH INVESTORS SERVICE
14. REGISTRATION
• Credit rating agencies are regulated
by SEBI.
• Registration with SEBI is mandatory
for carrying out the rating business
• A registration fee of Rs.25000 should
be paid to SEBI
15. 1. CRISIL
• Credit Rating Information Services of India Limited is the
first credit rating agency of the country which was established in
1987.
• It calculates the credit worthiness of companies based on their
strengths, market share, market reputation.
• It also rates companies, banks and organizations, helping
investors make a better decision before investing in companies’
bonds.
• It offers 8 types of credit rating which are as follows:
AAA, AA, A – Good Credit Rating
BBB, BB – Average Credit Rating
B, C, D – Low Credit Rating
16. 2. ICRA
Investment Information and Credit Rating Agency of India was
formed in 1991 and is headquartered in Mumbai. It offers comprehensive
ratings to corporates via a transparent rating system. Its rating system
includes symbols which vary with the financial instruments. Here are the
types of credit ratings offered by ICRA:
• Bank Loan Credit Rating
• Corporate Debt Rating
• Corporate Governance Rating
• Financial Sector Rating
• Issuer Rating
• Infrastructure Sector Rating
• Insurance Sector Rating
• Mutual Fund Rating
• Public Finance Rating
• Project Finance Rating
17. 3. CARE
• Credit Analysis and Research Limited offers a range of credit
rating services in areas like debt, bank loan, corporate
governance, recovery, financial sector and more.
• The various services offered by CARE include:
1. Rating Services
2. Credit Reports
3. Valuations
4. Credit Appraisal
5. Reviewing Debt Market
18. • Onida Individual Credit Rating Agency of India established
in 1993
• It offers credit assessment and credit scoring services to both
individuals and businesses.
• Along with this, it also offers risk assessment reports to
individuals, small and medium businesses and corporates.
• Its ratings are based on two factors –
1. Financial Strength
2. Performance Capability.
4. ONICRA
19. • Small Medium Enterprises Rating Agency Of India Limited has
two divisions – SME Ratings and Bond Ratings.
• It was established in 2011 and is a hub of financial professionals.
• It offers credit ratings in the following format:
AAA, AA, A – Low Credit Risk
BBB, BB – Moderate Credit Risk
B, C – High Credit Risk
D- Defaulted
5. SMERA
20. Brickwork Ratings India Private Limited
• Headquartered in Bangalore, this credit rating agency is responsible to
rate bank loans, municipal corporation, capital market instrument and
SMEs.
• Other than this, it is also responsible to grade real estate investments,
hospitals, NGOs, MFI, etc.
• It offers various rating system depending upon the different financial
instrument.
6. BWR