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| 1. BASIS Credit Rating is a balanced scorecard, which takes into consideration both financial and non-financial factors for effective credit and risk assessment. It includes both macro and micro analysis. |
2. Comprehensive study of both the internal and external factors and an evaluation of the inter-linkages between the company and the business environment, the industry and its past trend. |
3. Comparative and percentage composition ratio study on past financial years for performance appraisal and trend analysis. |
4. Positioning the subject concerned in the market by benchmarking it againts the industry standard and competitive analysis againts other players in the market. |
5. Collaborative study of the six critical credit elements (6Cs). |
6. Assign a score for each and every one of the 6 Cs after a comprehensive cedit risk assessment. |
7. Rating is assigned according to the weighted scores, which will reflect the risk and confidence levels, the company's performance and its credit standing. |
