Credit rating agency

In the above graph IDBI Bank and Axis Bank show a decline in Gross NPA over the 2 years of time but IDBI Bank (Public Sector Bank) has greater Gross NPA as compared to Axis Bank (Private Sector Bank). Hence IDBI Bank has low credit portfolio as compared to Axis Bank. COMPARISION OF NET NPA'S OF TWO BANKS. INTERPRETATION:- High Net NPA indicates the high quantity of risky assets in the Banks for which noprovision are made.. In the above graph IDBI Bank and Axis

with CBRs’ below); • fraud-checking agencies; • credit providers (for credit related purposes such as credit-worthiness, credit rating, credit provision and financing); • Australian Banks, non-bank lenders and providers of credit, financial or insurance services; • our related bodies corporate; • our professional advisers, including our accountants, auditors and lawyers; • other comparison sites, mortgage brokers or providers of investment, financial or credit where it is legal for us to do so; •

to start rebuilding your credit score There are many reasons why an individual can have a bad credit rating. Common reasons include a loss of employment , medical bills and a divorce. Whatever the reasons are in your life, if you have gone through a period of time in your life that has left you with a bad credit rating, there are several things you can do to begin to build your credit rating back up. First understand the major factors used to calculate credit ratings Although there are different

amount of variation in ratings between banks. For instance, RATE ranges from a minimum of 1 (Default) to a maximum of 19 (AA- which mean very high credit quality) with the median RATE 14.12 (Good credit quality) that indicate most banks in MENA have good rating, but there has been a continuous decreases in ratings during 2008 and years after which reflects the impact of continues crises beginning with GFC in 2007 and credit crunch in 2010. For instance, the average banks ratings is 14.4, 14.29, 14.09

provide any needed information for reseaching and analyzing. The Office can also standardize the way financial data is reported, with the constituent agencies having three years to implement new guidelines. Investor Protection Measures and Reform “The Act reviews the powers and structure of the Securities and Exchange Commission (SEC), credit rating organizations, and the relationships between customers and broker-dealers or investment advisers” (David S. Huntington, Paul, Weiss, Rifkind, Wharton

how to effectively manage accounts receivable, by use of a credit policy and why it so critical. Credit policy refers to procedures that outline how the company will determine which customers are extended credit and how much, the credit terms, the thresholds to establish on unpaid balances and how to manage delinquent accounts. A company should have a comprehensive, practical, and reliable credit policy established, prior to offering credit to its customers. The amount

ACCOUNTING TRANSPARENCY Charles Katoroogo Prof Brandy Havens ACC 303 12/1/2013 ACCOUNTING TRANSPARENCY Accounting is mainly concerned with general rules, concepts and principles that are established with the purpose of governing different fields of financial reporting. Accounting principles are also known as accounting principles and guidelines, these acts as the base on which more complex and critical rules are based. The authority responsible for issuing the accounting standards (i.e. financial

tarnished or limited credit history” and that is what led to the titanic crisis of 2008-2009. This essay will explore the events, which eventually led to many mortgage delinquencies and foreclosure of these sub prime borrower’s homes, causing the insurance company AIG and many other banks to foreclose thus forcing bail out money from the American government to prevent the next great depression. In the past, traditional mortgage loans that could be acquired

market. People believed that the “Big Three” credit rating agencies played a significant role at various stages in the crisis. The Reuters, in an article published in 2011, even claimed that credit rating agencies triggered financial crisis. The Reuters believed that Moody’s Corp and Standard and Poor’s action of downgrading the rating on complex mortgages securities triggered the worst financial crisis in decades. However, the problems of rating agencies have existed for quite a long time and accelerated

quantitative measure, ability to cope with pre-requisite interest payment and potentially dividend payment (possibly dividend growth maintenance) should be considered. Required debt rate and pro forma income statement Risk determinants Credit rating agencies take a wide range of factors – debt raising purpose, industry outlook, corporate profile and financial measures into account when performing corporate