Services
ICRA Rating Agency Limited offers credit rating services for issuers, portfolio rating services for investors, and a range of financial services to facilitate informed decision-making in the financial sector.
ISSUER CREDIT RATING SERVICES
A CREDIT RATING is an independent assessment of a corporate entity’s or institution’s creditworthiness in general terms, helping any organisation build a strong credit profile. It is based on a well-structured methodology that reviews both qualitative and quantitative factors of target businesses. The rating analysis is comprehensive and assesses both historical performance as well as future performance prospects of the business.
What are their benefits & usages?
- Increase your access to new markets
- Explain your creditworthiness to outside parties
- Benchmark your organisation’s strengths and weaknesses
- Enhance corporate transparency
- Anticipate the cost of capital and create strategic alternatives
- Share information when considering a joint-venture partner
PORTFOLIO RATING SERVICES
A PORTFOLIO RATING is an evaluation assessment report that focuses deeply on the actual portfolio of banks or financial institutions. It involves a thorough evaluation of existing and potential risks and the mitigation of those risks. Periodic portfolio rating and review help banks or financial institutions make necessary adjustments to maintain strategic asset allocation and keep current stakeholders and investors aligned with their envisioned goals.
What are their benefits & usages?
- Mitigate portfolio risk
- Reduce the risk of losses
- Improve decision making
- Provide comfort to new investors
- Support participation in trade finance transactions
BANK LOAN RATING
ICRA’s Bank Loan Ratings provide a comprehensive evaluation of both the creditworthiness of borrowers and the quality of specific loans issued by banks. These ratings assess the risk associated with lending or investing in loans by considering financial stability, debt repayment history, and market conditions.
What are their benefits & usages?
- Assess risk with precision
- Evaluate the quality of loans
- Build investor confidence
- Make strategic lending decisions based on reliable credit insights
INVESTORS SERVICES
An INVESTORS SERVICE is an evaluation and assessment report that supports the investment process. It allows investors to assess the effectiveness of their investment strategies by analysing risk, return, and risk-adjusted performance.
What are their benefits & usages?
- Help investors make informed decisions
- Compare the risk associated with different investments
- Understand potential return and potential loss
- Determine the risk level suitable for the investor
ESG RATING
ESG stands for environment, social, and governance. These are important non-financial criteria on which businesses are increasingly expected to perform well. ESG criteria also represent material risks to long-term company performance and are used by impact investors to screen potential investments.
What are their benefits & usages?
- Better firm value
- Better cost of debt
- More business opportunities
- Improved stakeholder satisfaction
ICRA SCORECARD
ICRA SCORECARD serves as a comprehensive tool for assessing the initial risk profiles of both retail individual customers and corporate clients seeking credit and borrowing services.
What are their benefits & usages?
- Comprehensive risk assessment
- Portfolio evaluation
- Objective decision making
- Efficient customer onboarding
- Quick credit terms determination
- Proactive risk mitigation
