What is Credit Rating
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An objective and impartial opinion on the ability and willingness of an issuer to make full and timely payments of their financial obligations; |
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A ranking within a consistent framework showing the degree of future default risk of a particular debt, relative to other rated securities in the market; |
Credit Rating is NOT
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A guarantee or certification in any form |
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A financial or operational audit |
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An investigation into fraud |
How Rating Could Help You
If you are an issuer;
If you are an investor;
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A convenient and reliable tool for portfolio management |
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A handy guide for making informed investment decisions and creating buy-lists |
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An early warning system, as its surveillance mechanism assist in decisions either to add or off load investments |
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Provides transparency in rating actions through value added information services |
If you are the general public;
Our Services
Financial Institutions Rating
RAM Ratings’ approach to the rating of financial institutions or “FIs” (i.e. commercial banks, merchant banks, finance companies and development banks) involves the analysis of both quantitative and qualitative factors. These factors are analysed to determine the level of risk in an FI’s ability to meet its financial obligations in a full and timely manner.
Corporate Profile Rating (CPR)
The CPR represents a company's fundamental strength and overall capacity to meet its financial obligations in a full and timely manner.
Corporate Debt Rating (Issue Specific)
Corporate debt rating reflects the creditworthiness of private debt instruments issued by domestic corporations. The ratings reflect the relative risk of each corporation's issue with regard to full and timely payment of interest and principal.
Claims Paying Ability (CPA)
This portrays the relative risk profile of an insurance company, in relation to its ability to meet policyholders’ obligations. As such, a CPA rating is the core rating of an insurer’s financial strength and long-term viability.
Asset Backed Securities (ABS)
ABS are debt instruments which are usually backed by financial assets such as loans, bonds, lease receivables, credit card receivables and trade receivables. This reflects the likelihood of timely and full repayment of interest and principal in respect of the debt instruments.
