PROJECT_FINLATICS.pdf
•
0 likes•135 views
This document analyzes the credit rating agency industry in India using Porter's Five Forces framework. It discusses the bargaining power of buyers being low as companies are required to obtain credit ratings. The bargaining power of suppliers is also low as credit rating agencies do not have suppliers. Rivalry among the top 3 agencies (Crisil, Icra, Care) is high as they make up 80% of the market. Threat of substitutes increased after recent rating failures. Threat of new entrants is low due to high regulatory barriers.
Report
Share
Report
Share
Download to read offline
Recommended
Background Investigations: A Primer for Nonprofits
Background Investigations: A Primer for Nonprofits
Volunteers are an integral part of society. Unfortunately there is that small percent of volunteer contact that is actually harmful. Volunteers are not the only segment that nonprofits need to be concerned with. Employees and board members can also harm an organization and its clientele.
Savvy nonprofit organizations realize that there are ways to mitigate the risk of letting the wrong person be a volunteer, employee, or board member; in turn mitigating the risk of fraud, abuse, illegal activity, and negative influence. Background investigations are one of the best ways to mitigate those risks.
Savvy nonprofit organizations also realize that a properly implemented background investigations policy and procedure carries with it the concerns of being time consuming, requires the gathering of sensitive data, is paper heavy, and can be costly.
Learn how to implement an effective volunteer, employee and board background investigations policy and procedure, while learning the ins and outs of background investigations, how to evaluate current background investigations, and how to get buy in from within your organization to enhance or implement a background investigations program.
Product Sheet: Small Business Risk Exchange
XOR Data Exchange developed a secure data exchange to help companies better leverage their data through analytics to address issues like fraud and credit risk. Their Small Business Risk Exchange pulls data from multiple industries and third parties to provide insight into small businesses since most have little credit history reported. It analyzes factors like application history, account performance, online presence, and regional risk to generate a XOR credit score and fraud risk score that identify legitimate versus fraudulent applicants. An analysis found the exchange saved service providers an average of $18.83 per small business application by reducing fraud and credit losses.
Stakeholders Presentation 2014 04 04
Volunteers are an integral part of society. Unfortunately there is that small percent of volunteer contact that is actually harmful. Volunteers are not the only segment that nonprofits need to be concerned with. Employees and board members can also harm an organization and its clientele.
Savvy nonprofit organizations realize that there are ways to mitigate the risk of letting the wrong person be a volunteer, employee, or board member; in turn mitigating the risk of fraud, abuse, illegal activity, and negative influence. Background investigations are one of the best ways to mitigate those risks.
Savvy nonprofit organizations also realize that a properly implemented background investigations policy and procedure carries with it the concerns of being time consuming, requires the gathering of sensitive data, is paper heavy, and can be costly.
Learn how to implement an effective volunteer, employee and board background investigations policy and procedure, while learning the ins and outs of background investigations, how to evaluate current background investigations, and how to get buy in from within your organization to enhance or implement a background investigations program.
Occupational Fraud Mitigation
Occupation fraud starts when you permit the wrong person into your organization. Effective background investigations provide a means to minimize the risk of occupational fraud by vetting prospective employees, independent contractors, and potential partners. Fraudsters who have victimized organizations before possess an inclination to strike again at another unsuspecting employer. Make sure it is not within your organization. Learn how the anti-fraud control of utilizing background investigations can save your organization from financial loss and embarrassing press.
Neo4j gokuldaspillai-121018170144-phpapp01
This document summarizes Intuit's commercial graph, which connects data across Intuit products to uniquely identify entities and their relationships. It describes how the graph connects 1 in 3 tax returns and 1 in 12 Americans, representing $2.6 trillion in transactions. The graph provides rich profiles of consumers and businesses, along with their buyer-seller relationships. It discusses the graph's architecture, data model, scale of over 29 million nodes and 315 million properties, and uses cases for recommendations.
CFPB Consumer Reporting Companies 2019
Below is a list of consumer reporting companies updated for 2019.1 Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision making situations. The list below includes the three nationwide consumer reporting companies and several other reporting companies that focus on certain market areas and consumer segments. The list gives you tips so you can determine which of these companies may be important to you. It also makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports, and (2) dispute suspected inaccuracies in your reports with companies as needed.
Architecture, Engineering & Construction Seminar - 2014
This document summarizes an architecture, engineering and construction industry seminar that took place on October 17, 2014. It includes presentations on the U.S. and KC metro economic outlooks, market highlights and outlook, employment law issues for the construction industry, fraud prevention tips, and tax updates. The KC metro economic forecast projects 2-3% annual growth through 2016, with strongest job growth in the service sector. Recommendations were provided around employee classification, restrictive covenants, criminal background checks, and social media policies.
Accounting standard
The document discusses key concepts in accounting and bookkeeping. It defines accounting as the recording, classifying, and summarizing of financial transactions and events to assess the results of operations and financial position of a business. Bookkeeping is described as merely recording transactions in books and ledgers, while accountancy provides compiled accounts to understand the state of business affairs. Key accounting concepts discussed include cost, money measurement, business entity, realization, and double entry principles.
Recommended
Background Investigations: A Primer for Nonprofits
Background Investigations: A Primer for Nonprofits
Volunteers are an integral part of society. Unfortunately there is that small percent of volunteer contact that is actually harmful. Volunteers are not the only segment that nonprofits need to be concerned with. Employees and board members can also harm an organization and its clientele.
Savvy nonprofit organizations realize that there are ways to mitigate the risk of letting the wrong person be a volunteer, employee, or board member; in turn mitigating the risk of fraud, abuse, illegal activity, and negative influence. Background investigations are one of the best ways to mitigate those risks.
Savvy nonprofit organizations also realize that a properly implemented background investigations policy and procedure carries with it the concerns of being time consuming, requires the gathering of sensitive data, is paper heavy, and can be costly.
Learn how to implement an effective volunteer, employee and board background investigations policy and procedure, while learning the ins and outs of background investigations, how to evaluate current background investigations, and how to get buy in from within your organization to enhance or implement a background investigations program.
Product Sheet: Small Business Risk Exchange
XOR Data Exchange developed a secure data exchange to help companies better leverage their data through analytics to address issues like fraud and credit risk. Their Small Business Risk Exchange pulls data from multiple industries and third parties to provide insight into small businesses since most have little credit history reported. It analyzes factors like application history, account performance, online presence, and regional risk to generate a XOR credit score and fraud risk score that identify legitimate versus fraudulent applicants. An analysis found the exchange saved service providers an average of $18.83 per small business application by reducing fraud and credit losses.
Stakeholders Presentation 2014 04 04
Volunteers are an integral part of society. Unfortunately there is that small percent of volunteer contact that is actually harmful. Volunteers are not the only segment that nonprofits need to be concerned with. Employees and board members can also harm an organization and its clientele.
Savvy nonprofit organizations realize that there are ways to mitigate the risk of letting the wrong person be a volunteer, employee, or board member; in turn mitigating the risk of fraud, abuse, illegal activity, and negative influence. Background investigations are one of the best ways to mitigate those risks.
Savvy nonprofit organizations also realize that a properly implemented background investigations policy and procedure carries with it the concerns of being time consuming, requires the gathering of sensitive data, is paper heavy, and can be costly.
Learn how to implement an effective volunteer, employee and board background investigations policy and procedure, while learning the ins and outs of background investigations, how to evaluate current background investigations, and how to get buy in from within your organization to enhance or implement a background investigations program.
Occupational Fraud Mitigation
Occupation fraud starts when you permit the wrong person into your organization. Effective background investigations provide a means to minimize the risk of occupational fraud by vetting prospective employees, independent contractors, and potential partners. Fraudsters who have victimized organizations before possess an inclination to strike again at another unsuspecting employer. Make sure it is not within your organization. Learn how the anti-fraud control of utilizing background investigations can save your organization from financial loss and embarrassing press.
Neo4j gokuldaspillai-121018170144-phpapp01
This document summarizes Intuit's commercial graph, which connects data across Intuit products to uniquely identify entities and their relationships. It describes how the graph connects 1 in 3 tax returns and 1 in 12 Americans, representing $2.6 trillion in transactions. The graph provides rich profiles of consumers and businesses, along with their buyer-seller relationships. It discusses the graph's architecture, data model, scale of over 29 million nodes and 315 million properties, and uses cases for recommendations.
CFPB Consumer Reporting Companies 2019
Below is a list of consumer reporting companies updated for 2019.1 Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision making situations. The list below includes the three nationwide consumer reporting companies and several other reporting companies that focus on certain market areas and consumer segments. The list gives you tips so you can determine which of these companies may be important to you. It also makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports, and (2) dispute suspected inaccuracies in your reports with companies as needed.
Architecture, Engineering & Construction Seminar - 2014
This document summarizes an architecture, engineering and construction industry seminar that took place on October 17, 2014. It includes presentations on the U.S. and KC metro economic outlooks, market highlights and outlook, employment law issues for the construction industry, fraud prevention tips, and tax updates. The KC metro economic forecast projects 2-3% annual growth through 2016, with strongest job growth in the service sector. Recommendations were provided around employee classification, restrictive covenants, criminal background checks, and social media policies.
Accounting standard
The document discusses key concepts in accounting and bookkeeping. It defines accounting as the recording, classifying, and summarizing of financial transactions and events to assess the results of operations and financial position of a business. Bookkeeping is described as merely recording transactions in books and ledgers, while accountancy provides compiled accounts to understand the state of business affairs. Key accounting concepts discussed include cost, money measurement, business entity, realization, and double entry principles.
Sample Appraisal Report Industrial
- The appraisal estimates the as-is market value of a two-bay office warehouse condominium located in Doral, Florida as of July 8, 2016 for the purpose of mortgage underwriting for ABC Bank N.A.
- The property is currently under contract for $1,895,000 or $172.27 per square foot and is listed for $2,500,000 or $227.27 per square foot.
- The most likely buyer is an owner-user as the property is currently vacant. The appraisal estimates the fee simple interest in the property using the sales comparison approach.
The Hidden Gems: Optimizing your DNB Credit Reports
This document provides an overview and summary of Dun & Bradstreet (D&B) credit reports and scoring models. It discusses how to find the right business and identify high risk triggers in credit reports. It also reviews the various data elements that can help users better understand a customer's history, operations, corporate structure, public records, and trade payment history. The document then examines D&B's key predictive scores in depth, including the Viability Rating, Delinquency Predictor, Financial Stress Score, PAYDEX, and credit limit recommendations. It provides details on the data and algorithms that drive each score and demonstrates their predictive performance in discriminating risk. The presentation emphasizes using multiple scores together to gain the fullest insights into
Ramesh Resume
Ramesh has applied for the position of Manager (F&A) in the company. He has over 15 years of experience in accounting, internal auditing, and financial management. He is currently working as Manager (Finance & Accounts) at Seaways Shipping & Logistics Ltd. Previously, he worked as Accounts Executive at G.P.R. Chits & Finance Pvt. Ltd. and as Accountant at Digjam Showroom. Ramesh has an MBA in Finance and M.Com degrees. He is proficient in accounting software like Tally and Microsoft Office. He is seeking the position for better prospects.
Professional Opportunities For C As Mar09 Linkedin
The document discusses various professional opportunities available to Chartered Accountants in India. It outlines opportunities in traditional areas like audit, taxation and litigation services. It also discusses new areas of growth like risk assessment, forensic auditing, international taxation and transfer pricing. It then explores opportunities in emerging fields like information technology, BPO/KPO services, management consulting, media, insurance, investment advisory, corporate restructuring, asset management, investment banking, banking, financial services and more. The document provides examples of roles CAs can pursue and challenges they may face in different industries.
Alchemy OTC Markets Direct Public Listing optional Crowdfunding Campaign 2016
Alchemy OTC Markets Direct Public Listing optional Crowdfunding Campaign 2016Bruce A. Cosgrove, MSc., mWGAW
Crowdfunding – Provide your Investors with Confidence & an Exit Strategy
Alchemy OTC Markets Specialists, LLC Announces -- ALL-INCLUSIVE OTC Markets Direct Public Listing – optional -- $USD 1.0 Million Title III Reg CF Crowdfunding Campaign -- $USD65K
Bruce A. Cosgrove, M.Sc., Managing DirectorAlchemy OTC Markets Specialists Direct Public Listing -optional - Crowdfundin...
Alchemy OTC Markets Specialists Direct Public Listing -optional - Crowdfundin...Bruce A. Cosgrove, MSc., mWGAW
Alchemy OTC Markets Specialists -- All-Inclusive OTC Markets Direct Public Listing Offer - optional - $USD 1.0 Million TITLE III SEC Reg CF Crowdfunding Campaign for private CompaniesCree, Inc. - Financial Analysis Review
SummaryCree, Inc. (Cree) is engaged in developing and manufacturing semiconductor components. The company's products are based on silicon carbide (SiC), gallium nitride (GaN), and other related compounds. The company develops SiC and GaN based light emitting diodes (LEDs). Cree's product portfolio comprises LED chips, LED components and LED lighting solutions and SiC and GaN materials products. In addition, Cree offers power and radio frequency (RF) products such as power switching and RF devices. The company is headquartered at Durham, North Carolina, the US and employs 3,168 people. The principal manufacturing facility of the company is located in Durham, North Carolina (US) while its researchGlobal Markets Direct's Cree, Inc. - Financial Analysis Review is an in-depth business, financial analysis of Cree, Inc.. The report provides a comprehensive insight into the company, including business structure and operations, executive biographies and key competitors. The hallmark of the report is the detailed financial ratios of the companyScope- Provides key company information for business intelligence needs The report contains critical company information ' business structure and operations, the company history, major products and services, key competitors, key employees and executive biographies, different locations and important subsidiaries.- The report provides detailed financial ratios for the past five years as well as interim ratios for the last four quarters.- Financial ratios include profitability, margins and returns, liquidity and leverage, financial position and efficiency ratios.Reasons to buy- A quick 'one-stop-shop' to understand the company.- Enhance business/sales activities by understanding customers' businesses better.- Get detailed information and financial analysis on companies operating in your industry.- Identify prospective partners and suppliers ' with key data on their businesses and locations.- Compare your company's financial trends with those of your peers / competitors.- Scout for potential acquisition targets, with detailed insight into the companies' financial and operational performance.KeywordsCree, Inc.,Financial Ratios, Annual Ratios, Interim Ratios, Ratio Charts, Key Ratios, Share Data, Performance, Financial Performance, Overview, Business Description, Major Product, Brands, History, Key Employees, Strategy, Competitors, Company Statement,
surender AML resume
C. Surendar Kumar has 8 years of experience in banking compliance processes such as Know Your Customer (KYC) verification and Anti-Money Laundering (AML) reporting. He currently works as a senior team member at BA Continuum India Pvt. Ltd., a non-bank subsidiary of Bank of America, where he verifies customer identities, reports suspicious transactions, and ensures banking centers comply with cash reporting requirements. He has a B.Sc. in Computer Science and has received awards for maintaining quality and core values like customer service.
CLPI Investor Presentation
MoneyOnMobile is a mobile payment network operating primarily in India. It has over 310,000 retail stores enabled on its network and has processed $754 million in volume over the past twelve months. It sees significant growth opportunities in India given the country's large unbanked population and reliance on cash transactions. The presentation provides an overview of MoneyOnMobile's business model, growth strategies, competition, management team, and historical financial and operational metrics.
Fintech - MSME lending score card template for flow based lending
Fintech - MSME lending score card template for flow based lendingFreelancer -Fintech and Blockchain consultant
Score card template for MSME lending with objective to create automatic underwriting engine using flow based lending framework. Data points can e taken from various sources like GST portal, Account statement, UPI, India stack, Bharat bill payment, Digilocker to create robust underwriting engine.
FactorTrust NABD Orlando2016
The document discusses better underwriting practices in auto financing. It covers the state of consumer credit data and opportunities in non-prime lending. Key components of good underwriting include assessing a buyer's capacity to pay, collateral value, and credit data. Alternative credit data from sources beyond the major credit bureaus can help qualify more consumers, reduce losses, and improve conversion rates. Such data provides insights into applicants' identities, addresses, employment histories, and stability that can benefit underwriting decisions. Questions about using alternative data and protecting customers are addressed.
New Business No Brainer An Introduction To Digital Agency Expert.Com
The document summarizes a service that matches marketing agencies with clients seeking agency services. It outlines key findings from research with clients and agencies. The service profiles both agencies and client briefs to calculate the best match. Agencies provide client testimonials and details about projects. The service introduces matched agencies and clients by email. It has over 100 registered agencies and 400 registered clients. The sign-up fee is paid back on the first win and the service takes 10% commission on wins for 12 months.
SEC Filings Tutorial
The document provides an overview of how business journalists can use SEC filings to find news stories. It discusses the main types of SEC filings that provide valuable information, such as 10-Qs, 10-Ks, proxy statements, and insider trading filings. These filings often disclose litigation, expenses, business decisions, stock repurchases, executive compensation, and M&A activity that have not been reported elsewhere, giving journalists opportunities to write new stories. The document encourages journalists to carefully read SEC filings for their companies of interest to find hidden details and numbers.
The Art of Credit Management
The document provides a checklist for credit professionals to ensure success. It outlines defining credit and redefining it as a sales tool, marketing tool, and financial vehicle. It stresses knowing your company's vision, goals, mission, culture, and constructing comprehensive policies and procedures that encompass all credit and collection functions. It also discusses mastering key concepts like understanding your customers, the legal environment, and qualities of true credit professionals.
Credit ratings
Credit Analysis and Research Limited (CARE) is an Indian credit rating agency recognized by regulatory bodies like SEBI and RBI. It provides a wide range of ratings for entities like banks, corporations, and infrastructure projects. CARE's rating process involves analyzing financial and operational information provided by clients, as well as other data sources. Ratings are assigned by a committee and are meant to indicate the level of credit risk, not make investment recommendations.
Commercial banks in india
A report on commercial banks discusses their meaning, types, functions, sources of funds, and technological reforms. It notes that commercial banks raise funds through various deposit types and make loans and purchase bonds. They accept deposits, lend money, transfer funds, act as intermediaries and trustees, and offer safe deposit services. The report also discusses the control of the Reserve Bank of India over commercial banks and some weaknesses and future plans of commercial banks.
Marketing Plan for Lawyers
This document outlines elements of a 2016 business plan for attorneys, including infrastructure, marketing, and client services. It recommends including information about firm structure and governance, legal services offered, personnel, and financial management. For marketing, it suggests developing a plan based on opportunities and competition in the current market. The document provides tips for finding time to focus on business aspects while practicing law, such as implementing written policies and monitoring staff.
Tata Motors Cash Flow Statement
The document discusses the importance of cash flow statements for companies. It provides an overview of Tata Motors, an Indian automotive company, and notes that analyzing its cash flow statement over the past 5 years is necessary to assess the company's cash position and ability to support its success. The study will analyze Tata Motors' revenue figures over 5 years as reported in its annual reports using tools like averages and percentages to better understand the strengths and weaknesses in its cash flow position.
Ir deck 19 11 2014
The document discusses iStreet Network's plans to expand its internet retail store concept called iStreet Bazaar across India. It aims to simplify ecommerce and increase its reach beyond the 2% of the population currently shopping online. Key points:
- iStreet Bazaar stores act as neighborhood internet retail stores providing assistance to help more people shop online
- The goal is to have 1,100 stores in Gujarat and Maharashtra by end of 2014-15 covering 11 crore people
- Plans to expand to 2,800 stores across more states by 2015-16 covering 28 crore people
- Each store aims to generate Rs. 50-70 lacs annual revenue on average Rs. 20,000 business per day
-
Statistics presentation
Statistics can be used in various business and organizational applications. Some examples include:
1. Statistics can help small businesses with financial analysis and accounting by analyzing accounts, cash flow, budgets, and financial positions. Management accounts and balance sheets can provide accurate financial snapshots.
2. Analyzing company reports and statistics like ratios can help businesses make informed decisions about suppliers and customers. It can help avoid credit problems and financial impacts.
3. Performance ratios involving current assets, current liabilities, and cash flows can help track business performance over time.
4. Other applications include search analytics, official government statistics, and marketing analytics to understand customers and markets. Statistics are also used in policing to analyze crime data and
Reimagining Your Library Space: How to Increase the Vibes in Your Library No ...
Librarians are leading the way in creating future-ready citizens – now we need to update our spaces to match. In this session, attendees will get inspiration for transforming their library spaces. You’ll learn how to survey students and patrons, create a focus group, and use design thinking to brainstorm ideas for your space. We’ll discuss budget friendly ways to change your space as well as how to find funding. No matter where you’re at, you’ll find ideas for reimagining your space in this session.
More Related Content
Similar to PROJECT_FINLATICS.pdf
Sample Appraisal Report Industrial
- The appraisal estimates the as-is market value of a two-bay office warehouse condominium located in Doral, Florida as of July 8, 2016 for the purpose of mortgage underwriting for ABC Bank N.A.
- The property is currently under contract for $1,895,000 or $172.27 per square foot and is listed for $2,500,000 or $227.27 per square foot.
- The most likely buyer is an owner-user as the property is currently vacant. The appraisal estimates the fee simple interest in the property using the sales comparison approach.
The Hidden Gems: Optimizing your DNB Credit Reports
This document provides an overview and summary of Dun & Bradstreet (D&B) credit reports and scoring models. It discusses how to find the right business and identify high risk triggers in credit reports. It also reviews the various data elements that can help users better understand a customer's history, operations, corporate structure, public records, and trade payment history. The document then examines D&B's key predictive scores in depth, including the Viability Rating, Delinquency Predictor, Financial Stress Score, PAYDEX, and credit limit recommendations. It provides details on the data and algorithms that drive each score and demonstrates their predictive performance in discriminating risk. The presentation emphasizes using multiple scores together to gain the fullest insights into
Ramesh Resume
Ramesh has applied for the position of Manager (F&A) in the company. He has over 15 years of experience in accounting, internal auditing, and financial management. He is currently working as Manager (Finance & Accounts) at Seaways Shipping & Logistics Ltd. Previously, he worked as Accounts Executive at G.P.R. Chits & Finance Pvt. Ltd. and as Accountant at Digjam Showroom. Ramesh has an MBA in Finance and M.Com degrees. He is proficient in accounting software like Tally and Microsoft Office. He is seeking the position for better prospects.
Professional Opportunities For C As Mar09 Linkedin
The document discusses various professional opportunities available to Chartered Accountants in India. It outlines opportunities in traditional areas like audit, taxation and litigation services. It also discusses new areas of growth like risk assessment, forensic auditing, international taxation and transfer pricing. It then explores opportunities in emerging fields like information technology, BPO/KPO services, management consulting, media, insurance, investment advisory, corporate restructuring, asset management, investment banking, banking, financial services and more. The document provides examples of roles CAs can pursue and challenges they may face in different industries.
Alchemy OTC Markets Direct Public Listing optional Crowdfunding Campaign 2016
Alchemy OTC Markets Direct Public Listing optional Crowdfunding Campaign 2016Bruce A. Cosgrove, MSc., mWGAW
Crowdfunding – Provide your Investors with Confidence & an Exit Strategy
Alchemy OTC Markets Specialists, LLC Announces -- ALL-INCLUSIVE OTC Markets Direct Public Listing – optional -- $USD 1.0 Million Title III Reg CF Crowdfunding Campaign -- $USD65K
Bruce A. Cosgrove, M.Sc., Managing DirectorAlchemy OTC Markets Specialists Direct Public Listing -optional - Crowdfundin...
Alchemy OTC Markets Specialists Direct Public Listing -optional - Crowdfundin...Bruce A. Cosgrove, MSc., mWGAW
Alchemy OTC Markets Specialists -- All-Inclusive OTC Markets Direct Public Listing Offer - optional - $USD 1.0 Million TITLE III SEC Reg CF Crowdfunding Campaign for private CompaniesCree, Inc. - Financial Analysis Review
SummaryCree, Inc. (Cree) is engaged in developing and manufacturing semiconductor components. The company's products are based on silicon carbide (SiC), gallium nitride (GaN), and other related compounds. The company develops SiC and GaN based light emitting diodes (LEDs). Cree's product portfolio comprises LED chips, LED components and LED lighting solutions and SiC and GaN materials products. In addition, Cree offers power and radio frequency (RF) products such as power switching and RF devices. The company is headquartered at Durham, North Carolina, the US and employs 3,168 people. The principal manufacturing facility of the company is located in Durham, North Carolina (US) while its researchGlobal Markets Direct's Cree, Inc. - Financial Analysis Review is an in-depth business, financial analysis of Cree, Inc.. The report provides a comprehensive insight into the company, including business structure and operations, executive biographies and key competitors. The hallmark of the report is the detailed financial ratios of the companyScope- Provides key company information for business intelligence needs The report contains critical company information ' business structure and operations, the company history, major products and services, key competitors, key employees and executive biographies, different locations and important subsidiaries.- The report provides detailed financial ratios for the past five years as well as interim ratios for the last four quarters.- Financial ratios include profitability, margins and returns, liquidity and leverage, financial position and efficiency ratios.Reasons to buy- A quick 'one-stop-shop' to understand the company.- Enhance business/sales activities by understanding customers' businesses better.- Get detailed information and financial analysis on companies operating in your industry.- Identify prospective partners and suppliers ' with key data on their businesses and locations.- Compare your company's financial trends with those of your peers / competitors.- Scout for potential acquisition targets, with detailed insight into the companies' financial and operational performance.KeywordsCree, Inc.,Financial Ratios, Annual Ratios, Interim Ratios, Ratio Charts, Key Ratios, Share Data, Performance, Financial Performance, Overview, Business Description, Major Product, Brands, History, Key Employees, Strategy, Competitors, Company Statement,
surender AML resume
C. Surendar Kumar has 8 years of experience in banking compliance processes such as Know Your Customer (KYC) verification and Anti-Money Laundering (AML) reporting. He currently works as a senior team member at BA Continuum India Pvt. Ltd., a non-bank subsidiary of Bank of America, where he verifies customer identities, reports suspicious transactions, and ensures banking centers comply with cash reporting requirements. He has a B.Sc. in Computer Science and has received awards for maintaining quality and core values like customer service.
CLPI Investor Presentation
MoneyOnMobile is a mobile payment network operating primarily in India. It has over 310,000 retail stores enabled on its network and has processed $754 million in volume over the past twelve months. It sees significant growth opportunities in India given the country's large unbanked population and reliance on cash transactions. The presentation provides an overview of MoneyOnMobile's business model, growth strategies, competition, management team, and historical financial and operational metrics.
Fintech - MSME lending score card template for flow based lending
Fintech - MSME lending score card template for flow based lendingFreelancer -Fintech and Blockchain consultant
Score card template for MSME lending with objective to create automatic underwriting engine using flow based lending framework. Data points can e taken from various sources like GST portal, Account statement, UPI, India stack, Bharat bill payment, Digilocker to create robust underwriting engine.
FactorTrust NABD Orlando2016
The document discusses better underwriting practices in auto financing. It covers the state of consumer credit data and opportunities in non-prime lending. Key components of good underwriting include assessing a buyer's capacity to pay, collateral value, and credit data. Alternative credit data from sources beyond the major credit bureaus can help qualify more consumers, reduce losses, and improve conversion rates. Such data provides insights into applicants' identities, addresses, employment histories, and stability that can benefit underwriting decisions. Questions about using alternative data and protecting customers are addressed.
New Business No Brainer An Introduction To Digital Agency Expert.Com
The document summarizes a service that matches marketing agencies with clients seeking agency services. It outlines key findings from research with clients and agencies. The service profiles both agencies and client briefs to calculate the best match. Agencies provide client testimonials and details about projects. The service introduces matched agencies and clients by email. It has over 100 registered agencies and 400 registered clients. The sign-up fee is paid back on the first win and the service takes 10% commission on wins for 12 months.
SEC Filings Tutorial
The document provides an overview of how business journalists can use SEC filings to find news stories. It discusses the main types of SEC filings that provide valuable information, such as 10-Qs, 10-Ks, proxy statements, and insider trading filings. These filings often disclose litigation, expenses, business decisions, stock repurchases, executive compensation, and M&A activity that have not been reported elsewhere, giving journalists opportunities to write new stories. The document encourages journalists to carefully read SEC filings for their companies of interest to find hidden details and numbers.
The Art of Credit Management
The document provides a checklist for credit professionals to ensure success. It outlines defining credit and redefining it as a sales tool, marketing tool, and financial vehicle. It stresses knowing your company's vision, goals, mission, culture, and constructing comprehensive policies and procedures that encompass all credit and collection functions. It also discusses mastering key concepts like understanding your customers, the legal environment, and qualities of true credit professionals.
Credit ratings
Credit Analysis and Research Limited (CARE) is an Indian credit rating agency recognized by regulatory bodies like SEBI and RBI. It provides a wide range of ratings for entities like banks, corporations, and infrastructure projects. CARE's rating process involves analyzing financial and operational information provided by clients, as well as other data sources. Ratings are assigned by a committee and are meant to indicate the level of credit risk, not make investment recommendations.
Commercial banks in india
A report on commercial banks discusses their meaning, types, functions, sources of funds, and technological reforms. It notes that commercial banks raise funds through various deposit types and make loans and purchase bonds. They accept deposits, lend money, transfer funds, act as intermediaries and trustees, and offer safe deposit services. The report also discusses the control of the Reserve Bank of India over commercial banks and some weaknesses and future plans of commercial banks.
Marketing Plan for Lawyers
This document outlines elements of a 2016 business plan for attorneys, including infrastructure, marketing, and client services. It recommends including information about firm structure and governance, legal services offered, personnel, and financial management. For marketing, it suggests developing a plan based on opportunities and competition in the current market. The document provides tips for finding time to focus on business aspects while practicing law, such as implementing written policies and monitoring staff.
Tata Motors Cash Flow Statement
The document discusses the importance of cash flow statements for companies. It provides an overview of Tata Motors, an Indian automotive company, and notes that analyzing its cash flow statement over the past 5 years is necessary to assess the company's cash position and ability to support its success. The study will analyze Tata Motors' revenue figures over 5 years as reported in its annual reports using tools like averages and percentages to better understand the strengths and weaknesses in its cash flow position.
Ir deck 19 11 2014
The document discusses iStreet Network's plans to expand its internet retail store concept called iStreet Bazaar across India. It aims to simplify ecommerce and increase its reach beyond the 2% of the population currently shopping online. Key points:
- iStreet Bazaar stores act as neighborhood internet retail stores providing assistance to help more people shop online
- The goal is to have 1,100 stores in Gujarat and Maharashtra by end of 2014-15 covering 11 crore people
- Plans to expand to 2,800 stores across more states by 2015-16 covering 28 crore people
- Each store aims to generate Rs. 50-70 lacs annual revenue on average Rs. 20,000 business per day
-
Statistics presentation
Statistics can be used in various business and organizational applications. Some examples include:
1. Statistics can help small businesses with financial analysis and accounting by analyzing accounts, cash flow, budgets, and financial positions. Management accounts and balance sheets can provide accurate financial snapshots.
2. Analyzing company reports and statistics like ratios can help businesses make informed decisions about suppliers and customers. It can help avoid credit problems and financial impacts.
3. Performance ratios involving current assets, current liabilities, and cash flows can help track business performance over time.
4. Other applications include search analytics, official government statistics, and marketing analytics to understand customers and markets. Statistics are also used in policing to analyze crime data and
Similar to PROJECT_FINLATICS.pdf (20)
The Hidden Gems: Optimizing your DNB Credit Reports
The Hidden Gems: Optimizing your DNB Credit Reports
Professional Opportunities For C As Mar09 Linkedin
Professional Opportunities For C As Mar09 Linkedin
Alchemy OTC Markets Direct Public Listing optional Crowdfunding Campaign 2016
Alchemy OTC Markets Direct Public Listing optional Crowdfunding Campaign 2016
Alchemy OTC Markets Specialists Direct Public Listing -optional - Crowdfundin...
Alchemy OTC Markets Specialists Direct Public Listing -optional - Crowdfundin...
Fintech - MSME lending score card template for flow based lending
Fintech - MSME lending score card template for flow based lending
New Business No Brainer An Introduction To Digital Agency Expert.Com
New Business No Brainer An Introduction To Digital Agency Expert.Com
Recently uploaded
Reimagining Your Library Space: How to Increase the Vibes in Your Library No ...
Librarians are leading the way in creating future-ready citizens – now we need to update our spaces to match. In this session, attendees will get inspiration for transforming their library spaces. You’ll learn how to survey students and patrons, create a focus group, and use design thinking to brainstorm ideas for your space. We’ll discuss budget friendly ways to change your space as well as how to find funding. No matter where you’re at, you’ll find ideas for reimagining your space in this session.
How to Create a More Engaging and Human Online Learning Experience
How to Create a More Engaging and Human Online Learning Experience Wahiba Chair Training & Consulting
Wahiba Chair's Talk at the 2024 Learning Ideas Conference. BÀI TẬP BỔ TRỢ TIẾNG ANH LỚP 9 CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC 2024-2025 - ...
BÀI TẬP BỔ TRỢ TIẾNG ANH LỚP 9 CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC 2024-2025 - ...Nguyen Thanh Tu Collection
https://app.box.com/s/tacvl9ekroe9hqupdnjruiypvm9rdaneLeveraging Generative AI to Drive Nonprofit Innovation
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
Pengantar Penggunaan Flutter - Dart programming language1.pptx
Pengantar Penggunaan Flutter - Dart programming language1.pptx
How to Manage Your Lost Opportunities in Odoo 17 CRM
Odoo 17 CRM allows us to track why we lose sales opportunities with "Lost Reasons." This helps analyze our sales process and identify areas for improvement. Here's how to configure lost reasons in Odoo 17 CRM
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
-------------------------------------------------------------------------------
Find out more about ISO training and certification services
Training: ISO/IEC 27001 Information Security Management System - EN | PECB
ISO/IEC 42001 Artificial Intelligence Management System - EN | PECB
General Data Protection Regulation (GDPR) - Training Courses - EN | PECB
Webinars: https://pecb.com/webinars
Article: https://pecb.com/article
-------------------------------------------------------------------------------
For more information about PECB:
Website: https://pecb.com/
LinkedIn: https://www.linkedin.com/company/pecb/
Facebook: https://www.facebook.com/PECBInternational/
Slideshare: http://www.slideshare.net/PECBCERTIFICATION
Beyond Degrees - Empowering the Workforce in the Context of Skills-First.pptx
Iván Bornacelly, Policy Analyst at the OECD Centre for Skills, OECD, presents at the webinar 'Tackling job market gaps with a skills-first approach' on 12 June 2024
BÀI TẬP DẠY THÊM TIẾNG ANH LỚP 7 CẢ NĂM FRIENDS PLUS SÁCH CHÂN TRỜI SÁNG TẠO ...
BÀI TẬP DẠY THÊM TIẾNG ANH LỚP 7 CẢ NĂM FRIENDS PLUS SÁCH CHÂN TRỜI SÁNG TẠO ...Nguyen Thanh Tu Collection
https://app.box.com/s/qhtvq32h4ybf9t49ku85x0n3xl4jhr15ANATOMY AND BIOMECHANICS OF HIP JOINT.pdf
it describes the bony anatomy including the femoral head , acetabulum, labrum . also discusses the capsule , ligaments . muscle that act on the hip joint and the range of motion are outlined. factors affecting hip joint stability and weight transmission through the joint are summarized.
Walmart Business+ and Spark Good for Nonprofits.pdf
"Learn about all the ways Walmart supports nonprofit organizations.
You will hear from Liz Willett, the Head of Nonprofits, and hear about what Walmart is doing to help nonprofits, including Walmart Business and Spark Good. Walmart Business+ is a new offer for nonprofits that offers discounts and also streamlines nonprofits order and expense tracking, saving time and money.
The webinar may also give some examples on how nonprofits can best leverage Walmart Business+.
The event will cover the following::
Walmart Business + (https://business.walmart.com/plus) is a new shopping experience for nonprofits, schools, and local business customers that connects an exclusive online shopping experience to stores. Benefits include free delivery and shipping, a 'Spend Analytics” feature, special discounts, deals and tax-exempt shopping.
Special TechSoup offer for a free 180 days membership, and up to $150 in discounts on eligible orders.
Spark Good (walmart.com/sparkgood) is a charitable platform that enables nonprofits to receive donations directly from customers and associates.
Answers about how you can do more with Walmart!"
RHEOLOGY Physical pharmaceutics-II notes for B.pharm 4th sem students
Physical pharmaceutics notes for B.pharm students
PCOS corelations and management through Ayurveda.
This presentation includes basic of PCOS their pathology and treatment and also Ayurveda correlation of PCOS and Ayurvedic line of treatment mentioned in classics.
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UP
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
Main Java[All of the Base Concepts}.docx
This is part 1 of my Java Learning Journey. This Contains Custom methods, classes, constructors, packages, multithreading , try- catch block, finally block and more.
Recently uploaded (20)
Reimagining Your Library Space: How to Increase the Vibes in Your Library No ...
Reimagining Your Library Space: How to Increase the Vibes in Your Library No ...
How to Create a More Engaging and Human Online Learning Experience
How to Create a More Engaging and Human Online Learning Experience
Digital Artefact 1 - Tiny Home Environmental Design
Digital Artefact 1 - Tiny Home Environmental Design
BÀI TẬP BỔ TRỢ TIẾNG ANH LỚP 9 CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC 2024-2025 - ...
BÀI TẬP BỔ TRỢ TIẾNG ANH LỚP 9 CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC 2024-2025 - ...
Leveraging Generative AI to Drive Nonprofit Innovation
Leveraging Generative AI to Drive Nonprofit Innovation
Pengantar Penggunaan Flutter - Dart programming language1.pptx
Pengantar Penggunaan Flutter - Dart programming language1.pptx
How to Manage Your Lost Opportunities in Odoo 17 CRM
How to Manage Your Lost Opportunities in Odoo 17 CRM
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...
Beyond Degrees - Empowering the Workforce in the Context of Skills-First.pptx
Beyond Degrees - Empowering the Workforce in the Context of Skills-First.pptx
BÀI TẬP DẠY THÊM TIẾNG ANH LỚP 7 CẢ NĂM FRIENDS PLUS SÁCH CHÂN TRỜI SÁNG TẠO ...
BÀI TẬP DẠY THÊM TIẾNG ANH LỚP 7 CẢ NĂM FRIENDS PLUS SÁCH CHÂN TRỜI SÁNG TẠO ...
Film vocab for eal 3 students: Australia the movie
Film vocab for eal 3 students: Australia the movie
Walmart Business+ and Spark Good for Nonprofits.pdf
Walmart Business+ and Spark Good for Nonprofits.pdf
RHEOLOGY Physical pharmaceutics-II notes for B.pharm 4th sem students
RHEOLOGY Physical pharmaceutics-II notes for B.pharm 4th sem students
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UP
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UP
PROJECT_FINLATICS.pdf
- 1. F I N L A T I C S SECTOR PROJECT-2 FINANCIAL SERVICES -SHUBHAM MAKHIJA-
- 2. P O R T E R ’ S F I V E F O R C E S A N A L Y S I S BARGAINING POWER OF BUYERS BARGAINING POWER OF SUPPLIERS RIVALRY AMONG EXISTING COMPETITORS THREAT OF SUBSTITUTES PRODUCTS THREAT OF NEW ENTRANTS R E P O R T P R E P A R E D O N FINANCIAL SERVISES -CREDIT RATING AGENCY-
- 3. I N T R O D U C T I O N I CHOOSE FINANCIAL SECTOR FOR MY RESEARCH PURPOSE IT IS OF MY PERSONAL INTEREST AND I THINK DEMAND FOR SERVICE SECTOR WILL CONTINUE TO RISE AS MORE AND MORE PEOPLE ARE INVESTING AND ALSO USING FINANCIAL SERVICES LIKE INVESTING/BROKING/BANKING/TRADING R E P O R T P R E P A R E D O N IN THIS REPORT I WILL BE PERFORMING PORTER 5 FORCES ANALYSIS ON CREDIT RATING AGENCIES
- 4. B A R G A I N I N G P O W E R O F B U Y E R S IN CREDIT RATING AGENCY(CRA) BUSINESS CRA GIVE CREDIT RATING TO DIFFERENT COMPANIES BASED ON WHICH THEY ARE ABLE TO TAKE MORE LOAN FROM BANKS.ALSO INVESTORS/CLIENT OF THESE BUSINESS USE CREDIT RATING AS AN INDICATOR TO CHECK THE HEALTH OF THE COMPANY. ANY COMPANY WHO IS LISTED AND HAS A DEBT OBLIGATION OF MORE THAN 5CR IS REQUIRERD TO GET A CREDIT RATING(SEBI REGULATORY REQUIREMENT), SO A COMPANY HAS TO GET CRA RATE THEM HENCE THEY EXERCISE LOW BUYING POWER AS IN INDIA WE HAVE MAJORLY ONLY 3 CREDIT RATING FIRMS AND COMPANIES WANT TO GET RATED FROM MORE THAN 2 RATING AGENCY(SO AS TO GET A CLEAR PICTURE OF THEIR CREDITNESS) SO CRA ENJOYS MORE PRICING POWER AS COMPARED TO THEIR CLIENTS CREDIT RATING EXAMPLES A A A / B B B / C C C / D COMPANIES GIVE DIFFERENT RATING BASED ON THEIR RESEARCH AND METHODOLOGY
- 5. IN CREDIT RATING BUSINESS MODEL THERE ARE NO SUPPLIERS BECAUSE IT IS MORE OF SERVICE WHERE CRA DEALS WITH COMPANIES AND ACCESS FOLLOWING INFORMATION ->QUALITY OF ASSETS ->INTEREST PAYMENT ->SALES AND REVENUE FORCAST ->BUSINESS PERFORMANCE ->ANY DEFAULTS MADE EARLIER ->CORPORATE GOVERNANCE B A R G A I N I N G P O W E R O F S U P P L I E R S BANK COMPANY CREDIT RATING AGENCY CRA PERFORMS ITS DUE DILIGENCY ON COMPANY FINANCIAL POSITION BASED ON RESEARCH RATING IS ASSIGNED TO THE CLIENT AAA/BBB/CCC/D WHERE A IS BEST AND D MEANS DEFAULT
- 6. R I V A L R Y A M O N G E X I S T I N G C O M P E T I T O R S IN INDIA WE HAVE TOTAL OF 7 CREDIT RATING AGENCY ( AS PER SEBI LICENCE).OUT OF SEVEN RATING AGENCY TOP 3 CREDIT RATING AGENCY ACCOUNT FOR 80% OF THE RATING INDUSTRY MARKET. CRISIL 74.3% ICRA 13.9% CARE 7.5% OTHERS 4.3% RIVALRY AMONG COMPETITOR DEPEND AMONG FOLLOWING FACTOR -CREDIBILITY OF CRA -PAST RECORD -IMPORTANCE GIVEN TO CRA RATING -NUMBER OF PAPERS RATED -ANY CORPORATE GOVERNANCE ISSUE HISTORY HAS REVEALED THAT MANY TIMES CRA IS INVOLED WITH TOP MANAGEMENT OF THE CLIENT AND THERE BY ISSUE INFLATED RATING,WHICH IS ILLEAGAL . SO CREDIBILTY OF CRA RATING PLAY MAJOR ROLE AND CRISIL BEING THE MARKET LEADER HAS VERY FEW SUCH INCIDENTS WHILE ICRA AND CARE HAD FEW PAST EVENTS WHERE SEBI FINED THEM (IL&FS CASE).SO BECAUSE OF THE BUSINESS MODEL COMPANY OFTEN DOES MALPRACTICES
- 7. THE VOLUME OF INSTRUMENTS RATED HAVE DECREASE AS COMPANIES HAVE SHIFFTED TO TO OTHER RATING AGENCT T H R E A T O F S U B S T I T U T E S P R O D U C T S IN 2018 CARE RATING AND ICRA GAVE AAA RATINGTO IL&FS DEBTS AND AFTER A WEEK THE COMPANY WENT BANKCORRUPT THAT IS WHEN THE RATING AGENCY WERE QUESTIONED AS FAILED TO PERFORM THEIR DUE DILLIGENC AND SOMEHOW WERE INVOLVED WITH IL&FS TOP MANAGEMENT. SOON AFTER THAT MANY COMPANIES AND BANK STARTED NOT TO GIVE CREDIBILITY TO THESE FIRMS. IN PRESENT SCENARIO CRISIL RATING IS CONSIDERED TO BE BENCH MARK CREDIT RATING WHICH IS RESPECTED BY BANKS/INSTITUTIONAL INVESTORS/FII'S CARE RATING ANNUAL REPORT'20
- 8. T H R E A T O F N E W E N T R A N T S RATING AGENCY BUSINESS HAS HIGH ENTRY BARRIES AS IN 2021 INDIA STILL HS ONLY 7 RATING AGENCY. THIS IS BECASUE OF THE LICENCING AND REGULATORY REQUIREMENTS. USUALLY A COMPANY HAS TO EARN CREDITABILITY IN ITS RATING , BANKS AND INVESTORS HAVE CONFIDENCE IN THE ESTABLISHED PLAYERS BECASUE OF THEIR PAST RATING AND STRONG BRAND POSITION SO THERE ARE VERY HIGH BARRIERS OF ENTRY OF NEW COMPANIES THEREBY VERY LOW THREATS OF NEW ENTRANTS