Credit rating
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The document discusses methods of credit rating. Credit ratings can be either "through the cycle" which depends on the worst point in the business cycle, or "point in time" which depends on the current condition. Ratings are usually alphabetic grades or numeric grades. Credit ratings are determined based on quantitative factors like sales growth and debt ratios, and qualitative factors like management experience and compliance. Different types of lending like wholesale and retail exposures require analyzing factors like the industry, finances, size, and management for wholesale loans, and the borrower's ability and willingness to repay for retail loans. Credit ratings are used to signal default risk, measure credit risk, aid in decision making, and ensure regulatory compliance.
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This document lists and categorizes different types of birds and mammals. It identifies bald eagle, golden eagle, black kite, hawk, falcon, owl, and vulture as carnivorous birds. Crow, raven, flamingo, woodpecker, and starling are identified as omnivorous birds. Key characteristics and eating habits of mammals are outlined, including examples of herbivorous, carnivorous, and omnivorous mammals such as cows, lions, humans, and more. Hippopotamus, panda, fox, dolphin, skunk, bear, and pig are provided as examples of omnivorous mammals.
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The document discusses different types of animals classified based on their characteristics. It describes vertebrates as animals with backbones divided into five groups - fish, amphibians, reptiles, birds, and mammals. It provides details about each group's defining features like temperature regulation, locomotion organs, habitats and diet. Fish live in water and have gills, scales and fins. Amphibians can live on land and water, have moist skin and undergo metamorphosis. Reptiles are scaly and lay eggs, include snakes, lizards, turtles and crocodiles. Birds are warm-blooded, lay eggs and have feathers, beaks and wings to fly with some flightless exceptions.
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Credit rating
- 2. The goal is to generate accurate and consistent risk ratings, yet also to allow professional judgment to significantly influence a rating where this is appropriate. Mc Graw Hill
- 3. Method of credit Rating Through the cycle In this method of credit rating, the rating of the client will depend upon the “worst point in the business cycle”. Point in time In this method of credit rating, the rating of the client will depend upon the “ current condition”. These grades may generally be any of the following forms - Alphabet (AAA, AA, BBB etc) - Number (I, II, III etc)
- 4. PARAMETERS FOR CREDIT RATING Quantitative factors - Growth in sales, profits - Return on capital - Debt Equity ratio - Current ratio - Level of contingent liabilities - Speed of debt collection - Operating Cycle Qualitative factors - Compliance with regulator - Experience of top management - Corporate governance initiatives - Performance of affiliate concern - Ability to cope with any major technological, legal, fashion etc changes - Product characteristics
- 5. TYPES OF LENDINGS and RATINGS WHOLE SALE EXPOSURE - Following factors in the credit rating process for whole sale lending Industry analysis Financial Analysis External return Analytical tools Quality of financial data Firm Size Management RETAIL EXPOSURE Two vital issues need to be addressed: - Borrower’s ability to service the loan - Borrower’s willingness to service the loan
- 6. Fundamental reasons for various grading Signaling default risks of an exposure Measure the credit risk of an exposure Comparison of risks to aid decision making Compliance with regulatory requirements Compliance with terms and conditions
- 7. Fundamental reasons for various grading Signaling default risks of an exposure Measure the credit risk of an exposure Comparison of risks to aid decision making Compliance with regulatory requirements Compliance with terms and conditions