CREDIT RISK GRADING SCORE SH Reference Reference No.: Borrower Group Name (if any Branch: Industry/Sector Date of Financials Completed by ppro!ed by Num#er 1 # % ' + 6 , -
Cri"eria
A!!re!a"e Ri*+ Gra$in!:
&ei!%"
A. inancia) Ri*+ ,- /. 0e1era!e: (/, Debt 2uity 3atio 405 &imes &otal &otal *iabilities *iabilities to &angible &angible 8et 8et 9orth ll calculations should be based on annula nancial statements of the borro9er 4audited preferred5
2. 0i3ui$i"y: (/, Current 3atio 405 &imes Current ssets to Current *iabilities
4. 'ro5"a#i)i"y: (/, =perating Prot (argin 4<5 4=perating Prot/Sales5 > 1..
Gra$in! Superior $ood cceptable (arginal/)atchlist Special (ention Substandard Doubtful Bad/*oss
S%or" S"P $D CCP& ($/)* S( SS DF B*
'arame"er
Score
*ess than .#+0 .#60 to .%+ 7 .%60 to .+. .+. 7 .+10 to .,+ 7 .,60 to 1#+ 7 1#60 to #.. 7 #.10 to #+. 7 #+10 to #,+ 7 (ore than #,+0 $reater than #,'0 #+.0 to #,' 7 #..0 to #'; 7 1+.0 to 1;; 7 11.0 to 1'; 7 .;.0 to 1.; 7 .-.0 to .-; 7 .,.0 to .,; 7 *ess than .,.0 $reater than #+< #.< to #'< 1+< to 1;< 1.< to 1'< ,< to ;< '< to 6< 1< to %< *ess than 1<
1+ 1' 1% 1# 11 1. , . 1+ 1' 1% 1# 11 1. , . 1+ 1' 1% 1# 1. ; , .
(ore than #..0 (ore than 1+10 *ess than #..0 (ore than 1#+0 *ess than 1+.0 (ore than 1..0 *ess than 1#'0 *ess than 1..0
+ ' % # . ,-
6. Co1era!e: (, Interest Co!erage 3atio 405 &imes arning before interest ? ta7 4BI&5 Interest on debt
To"a) Score7 inancia) Ri*+
Page 1 of 6
CREDIT RISK GRADING SCORE SH Reference No.: Borrower B. Bu*ine**8 In$u*"ry Ri*+ /9 /. Si=e of Bu*ine** 4in BD& crore5 &he sie of the borro9ers business measured by the most recent years total sales Preferably audited numbers 2. A!e of Bu*ine** &he number of years the borro9er engaged in the primary line of business 4. Bu*ine** Ou")oo+ Critical assesment of medium term prospects of industry marGet share and economic factors 6. In$u*"ry Grow"%
,. ar+e" Compe"i"ion
;. En"ry8E
@ 6... %... A +;;; 1... A #;;; +.. ;;; #+. ';; #+. @ 1. Eears @ + 1. Eears # + Eears # Eears Fa!orable Stable Slightly "ncertain Cause for Concern Strong 41.
+ ' % # 1 . % # 1 . % # 1 . % # 1 . # 1 . # 1 . /9
(ore than 1. years in the related line +A1. years in the related line of 1A+ years in the related line of 8o e7perience 3eady Succession Succession 9ithin 1# years Succession 9ithin #% years Succession in 2uestion Mery $ood (oderate Poor 3egular ConNict
+ % # . ' % # . % # 1 . /2
To"a) Score7 Bu*ine**8In$u*"ry Ri*+ C. ana!emen" Ri*+ /2 /. E
4. Team &or+
To"a) Score7 ana!emen" Ri*+
Page # of 6
CREDIT RISK GRADING SCORE SH Reference No.: Borrower D. Securi"y Ri*+ /- /. Securi"y Co1era!e ('rimary
2. Co))a"era) Co1era!e ('roper"y 0oca"ion
4. Suppor" (Guaran"ee
Fully Pledged facilities/substantially cash co!ered / 3eg (ortg for B* 3egistered ypothecation 41 st Charge/1st Pari passu Charge5
'
#nd charge/Inferior charge Simple hypothecation/8egati!e lien on assets 8o security 3egistered (ortgage on (unicipal corporation/Prime rea property 3egistered (ortgage on Pourasha!a/Semi"rban area property
# 1
2uitable (ortgage or 8o property but Plant and (achinery as collateral
#
8egati!e lien on collateral 8o collateral Personal $uarantee 9ith high net 9orth or Strong Corporate $uarantee
1 . #
Personal $uarantees or Corporate $uarantee 9ith a!erage nancial strength
1
8o support/guarantee To"a) Score7 Securi"y Ri*+ E. Re)a"ion*%ip Ri*+ /. Accoun" Con$uc"
%
. ' %
. /-
/-
2. >"i)i=a"ion of 0imi" 4actual/proOection5 4. Comp)iance of Co1enan"* 8 Con$i"ion* 6. 'er*ona) Depo*i"*
(ore than % years ccounts 9ith faultless record *ess than % years ccounts 9ith faultless record ccounts ha!ing satisfactory dealings 9ith some late payments Fre2uent Past dues ? Irregular dealings in account (ore than 6.< '.< 6.< *ess than '.< Full Compliance Some 8onCompliance 8o Compliance Personal accounts of the Gey business Sponsors/ Principals are maintained in the banG 9ith signicant deposits 8o depository relationship
To"a) Score7 Re)a"ion*%ip Ri*+ Gran$ To"a) 7 A)) Ri*+
+ ' # . # 1 . # 1 . 1
. //--
Page % of 6
EET Da"e:
/27ar7-6 22
Score:
Ba$80o**
Score Fully cash secured secured by go!ernment -+H ,+-' 6+,' ++6' '++' %+'' %+
Ac"ua) 'arame"er
Score O#"aine$
1...1
-
.,;
?
##%,<
/6
.6+
-
2/
Page ' of 6
EET Da"e:
/27ar7-6
-
-
-
-
-
-
-
-
-
-
-
Page + of 6
EET Da"e:
/27ar7-6
-
-
-
-
-
-
/
/ 22
Page 6 of 6
