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| Rating methodology |
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To assign credit ratings our company uses methods that meet high standards of the leading credit rating agencies. For different types of borrowers specialists of ‘Credit-Rating’ have worked out different models of solvency assessment: Analysis consists of the following components: Qualitative analysis – our specialists study management system of the issuer, financial and development plans, conduct SWAT-analysis, pay special attention to documentation, market niche, economic activity. Quantitative analysis – analysts study accounts coefficients that determine financial activity and financial position of the issuer. We use both standard methods (analysis of internal and external factors, profitability) and special methods worked out by out analysts to determine financial position and development tendencies of the issuer. Legal analysis – we study financial and economic activity of the issuer to be sure it corresponds to Ukrainian Legislation; analysis also includes studying of management, labor and business relations and legal field of cooperation between central office and affiliates.
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