Chapitre 2: Basis of data
Methodology:
Unlike traditional CRG manuals, ICRRS can be calibrated to different industry standards rather than one fixed scale. ICRRS can be measured upon 20 different rating templates dedicated for 20 different industries/sectors. Moreover, ICRRS rating is done on both quantitative and qualitative assessment where 60% of the weight is allocated to quantitative assessment such as;
• Leverage
• Liquidity
• Profitability
• Coverage
• Operational efficiency
• Earning quality
Similarly 40% of the weight is allocated to qualitative assessment, such as;
• Performance behavior
• Credit quality enhancement
• Business industry risk
• Management risk
• Relationship risk
• Compliance risk
The final results are calculated by addressing the results of both quantitative and qualitative factors and the borrower is rated based on the results as such:
ICRRS scale:
Criteria
Greater than or equals to 80=Excellent
Between 70 to 80=Good
Between 60 to 70=Marginal
Below 60=Unacceptable
In the case of an excellent and good score, the bank is allowed to approve the loan. For the case of marginal score, the bank proceeds with caution regarding the loan approval, but in the case of unacceptable score, the bank should strictly decline the loan approval.
Overall ICRRS is a great tool since it encompasses both quantitative and qualitative factors to assess the creditworthiness of the borrower. However, upon closer inspection there appears some minor loopholes in this system. The total rating is done by assessing the quantitative and qualitative factors, however individual factors are left behind.
État de l’alimentation hebdomadaire
-- Classement
Power Stone 
-- Power
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