We make your company fit for Basel II

Our advantage is the understanding of the factors and the mindset of bankers

Normally a debtor with a better rating may obtain capital to better conditions (lower interest rates). However debtor with a worse credit rating have to pay higher interest rates due to the fact of a higher probability of default (lower degree of credit worthiness).
Evaluation and classification of companies or people banks and external and internal rating agencies execute reviews. We can distinguish:

Quantitative factors

Evaluation of economic conditions (including liquidity, financial situation, earnings, capital structure, balance sheet development, vulnerability to currency risk) of the asset to be valued based on balance sheet ratios such as earnings, equity ratio and liquidity.

Qualitative factors

Among these qualitative factors are such characteristics as management quality, (corporate) strategy, organization and process organization, potential of employees, construction of controlling and risk management, relationship with business partners.

Experience and environmental factors 

This includes on the one hand the entire history between bank and a customer (how negotiated agreements were complied with, interest and payments serviced on time, etc.) and an the other hand also externally given factors such as industry development, site conditions, supplier and customer relationships .

Rating scales of selected banks and compared in relation to the failure risk