Академический Документы
Профессиональный Документы
Культура Документы
JCR
BB
BB-
B+
B
CCC
CC
CC
D
Rating Factors
M I R A C L E S
M
Management
•Credibility & Quality of
Management, Team Vision
•Spread of Technical and
Management Skills
•Stability of Management &
I Succession Plan
Information Technology
•Board Quality and Relevance of
•Internal Systems
Experience
•External Systems
•Proactive & Reactive Strategy
Rating Factors
M I R A C L E S
R Reputation
• Bank’s Franchise
• Sponsors’ Franchise
A Asset
• Quality of funded and non-funded credits.
• Diversification by client, group, sector,
branch, region, etc
• Collateral quality, reinvestment rate risk,
risk based systems, underwriting quality
• Credit evaluation
• Asset Concentration
Rating Factors
M I R A C L E S
C Capital
• Capital Structure
• Level & Quality of Capital
• Hidden reserves
• Ability to arrange Additional Capital
• Growth in Capital, capital adequacy
under Basel II
• Earning Retention.
Rating Factors
M I R A C L E S
L Liquidity
• Mix of Funding Sources
• Liquid Assets, Interbank Ratio
• Matching of Funds
• Distressed Borrowing
Rating Factors
M I R A C L E S
E
Earnings
• Level of Recurring Earnings - PPP
• Quality of Earnings - Trend, Stability & Mix
• Projections and future provision
requirements
• Efficiency / Overheads
• Return Indicators
Rating Factors
M I R A C L E S
Supervisory
• Internal Controls (Operational &
Other Risks)
• Risk Management
Other Factors
• Size,
Group/Sponsor
Support
• Regulatory
Environment
• History
Thank you for your time