Author name: CRAB

CRAB has broad client base which are geographically diversified in almost all districts covering seven divisions of the country and has gained regional and cluster based rating intelligence while analyzing and executing the rating assignments.

For Lenders, a CRAB SME Rating would• Provide an objective, independent and reliable opinion on credit quality• Serve as an additional input in the credit decision making process and leveraging their risks• Assist in risk pricing and capital allocation• Facilitate portfolio management and monitoring• Know the risk of its clients• Fill the credit information gapFor

In the aftermath of the global financial crisis of 2008-2009, the Basel Committee of Banking Supervision (BCBS) substantially reformed the existing capital adequacy guidelines to new framework referred as Basel III with objectives. to strengthen global capital & liquidity rules with the goal of promoting a more resilient banking sector to improve the banking sector’s

CRAB’s ratings on small and medium enterprises (SMEs) reflect the rated entities’ overall creditworthiness, adjudged in relation to other SMEs. These ratings are entity-specific, and not specific to debt issuances. The SME sector has its own unique features: unlike the large corporates, the SME sector has no organized information on industries, market shares, competition dynamics,