credit rating agencies

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SMT. CHANDIBAI HIMATHMAL MANSUKHANI COLLEGE Class: S.Y.BFM Group: 4 Subject: Financial Services Semester: IV Date: 16 th December,2011 Submitted to: Prof. Girish Bhavnani

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Dimple Punjabi Roll No.01 Sneha Rijhwani Roll No.02 Harsha Matta Roll No.10 Yashoda Gehani Roll No.11 Deepa Sukhwani Roll No.09 Sheetal Ludhwani Roll No.40 Anisha Vaswani Roll No.41 Dhirti Makhija Roll No.42 Group Members

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CREDIT RATING AGENCIES

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INDIAN CREDIT RATING AGENCIES

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Credit Ratings Methodology Business Risk Profile Analysis Financial Risk Profile Analysis

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Business Risk Country Risk Company Position Industry Factors Profitability / Peer Group Comparisons Political Economic Industry – Specific factors Foreign exchange Industry Trends Industry Structure Market Size Growth Potential Competition Changing Technology Competitive Factors Market position Keys to Success Size Diversification Management Validation of “Company Position” Trends Quality of Earnings & Analytical adjustments Peer Group Comparisons

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Financial Risk Accounting Cash Flow Adequacy Governance Risk Liquidity / Short-term Factors Accounting Regime Reporting & Disclosure Analytical adjustments Ownership Board of directors Management practices Financial Strategy Risk Tolerance Accounting Practices Internal controls Focus on debt service capability Analytical distinctions with profitability Cash flow measures / ratios Operating sources & uses Of liquidity Debt Characteristics Bank credit facilities

CRISIL(CREDIT RATING AND INFORMATION SERVICES OF INDIA LTD.): 

CRISIL(CREDIT RATING AND INFORMATION SERVICES OF INDIA LTD.) A global analytical company. Incorporated in year 1987. Provides ratings research and policy advisory services. CRISIL is India's leading rating agency, and is the fourth largest in the world. Offerings-real Timenews , Analysed data , incisive insights & opinions &expert advice. So far CRISIL has 30000 debt instruments covering the entire debt market.

DEBT OBLIGATIONS RATED BY CRISIL INCLUDE: 

DEBT OBLIGATIONS RATED BY CRISIL INCLUDE

FUNCTIONS OF CRISIL: 

FUNCTIONS OF CRISIL

CRISIL LONG TERM RATING SCALE: 

CRISIL LONG TERM RATING SCALE

CRISIL SHORT TERM RATING SCALE: 

CRISIL SHORT TERM RATING SCALE

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ICRA was set up by IFCI on 16th january 1991. A public limited company. An authorized share capital of rs.10crores, rs . 5 crores is paid up. To provide information & guidance to investors. ICRA’S major shareholders IFCI (26%). Determines the credit risk associated with a debt instrument . ICRA : INVESTMENT INFORMATION & CREDIT RATING AGENCY OF INDIA LIMITED.

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ICRA LONG TERM RATING SCALE

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ICRA SHORT TERM RATING SCALE