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Credit Ratings Methodology
CREDIT RATING PROCESS
Credit Ratings  Methodology Business  Risk Profile  Analysis Financial Risk Profile  Analysis
 
Business  Risk Country  Risk Company  Position Industry  Factors Profitability / Peer Group Comparisons   ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Financial Risk Accounting  Cash Flow  Adequacy Governance  Risk Liquidity /  Short-term  Factors ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
BUSINESS RISK/FINANCIAL RISK MATRIX  # The matrix does not apply to the lowest rungs of credit spectrum i.e. ‘CCC’ category and below Note: The above grid is only an indicative framework to guide an Analyst in determining the rating.  Risk Profile Minimal Moderate Intermediate Aggressive Highly Leveraged Excellent AAA AA A BBB BB Strong AA A A- BBB- BB- Satisfactory A BBB+ BBB BB+ B+ Weak BBB BBB- BB+ BB- B Vulnerable BB B+ B+ B B-
 

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Credit Rating

  • 3. Credit Ratings Methodology Business Risk Profile Analysis Financial Risk Profile Analysis
  • 4.  
  • 5.
  • 6.
  • 7. BUSINESS RISK/FINANCIAL RISK MATRIX # The matrix does not apply to the lowest rungs of credit spectrum i.e. ‘CCC’ category and below Note: The above grid is only an indicative framework to guide an Analyst in determining the rating. Risk Profile Minimal Moderate Intermediate Aggressive Highly Leveraged Excellent AAA AA A BBB BB Strong AA A A- BBB- BB- Satisfactory A BBB+ BBB BB+ B+ Weak BBB BBB- BB+ BB- B Vulnerable BB B+ B+ B B-
  • 8.