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nCAI
IBWI
THASHOKonYouTube&App
BFM MODULE-B
Chapt
er12:CREDI
TRI
SK
RATI
NGMI
GRATI
ONBASEDCASESTUDY-
2
*Youareprovi
dedwiththefol
lowi
ngdat
aofabank
aboutnumberofloanaccountsandt
hei
rol
dand
newriskr
ating(r
ati
ngmi gr
ati
on).
Old Number NewRat
ing(
31-
03-
2020)
Rati
ng of
account
s
31-
03-
19

AAA AA+ A+ A BBB+ BBB C Def

aul
t

AAA 4000 800 1000 600 100 500 100 - 900

AA+ 1000 200 150 450 200 - - - -

A+ - - - - - - - - -

A 400 380 - - 10 - - - 10

BBB+ - - - - - - - - -

BBB 600 - 200 200 - 60 - 10 130

C 40 - - - 10 10 10 10
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nCAI
IBWI
THASHOKonYouTube&App
Nowanswert
hef
oll
owi
ngquest
ions:
Ques1:Cal
cul
atethe%ofAAAr atedaccountand
AA+rat
edaccountthatr
etai
nedthei
rrat
ing?
Ques2:Ifwetakeal
lcat
egor
yaccountst
ogether
thenwhatist
he%ofaccountthathasmovedto
defaul
tcat
egory?
Ques3:Whatist
hetotalnumberofaccount
sin
BBB+categor
yaspernewr at
ing?
Ques4:Cal
cul
atet
heper
centageofaccountt
hat
gotupgr
adedf
rom BBBr
ati
ngtoAA+r ati
ng?
Ques5:WhatisthenumberofAA+rati
ngl
oan
accountasperol
drati
ngandaspernewrat
ing?
Ques6:WhatisthenumberofCr
ati
ngaccountas
on31-
03-2020?
 Joi
nCAI
IBWI
THASHOKonYouTube&App
Sol
uti
on:
Ques1:Calcul
atethe%ofAAAr atedaccountand
AA+ratedaccountthatr
etai
nedthei
rrat
ing?
[
800/4000*100=20%&150/ 1000*100=15%]
Ques2:I fwetakeallcategor
yaccountstogether
thenwhati st
he%ofaccountt hathasmov edto
defaul
tcategory?[
Tot al
account=4000+1000+400+600+40=6040, Default
ac=900+10+130+10=1050, 1050/6040*
100=17. 3%]
Ques3:Whatist
hetotalnumberofaccount
sin
BBB+categor
yaspernewr at
ing?(
500+60+10=
570)
Ques4:Cal
cul
atet
hepercentageofaccountt
hat
gotupgr
adedfr
om BBBrati
ngtoAA+r ati
ng?
[
600,200200/
600*100=33.33%]
Ques5:WhatisthenumberofAA+rati
ngl
oan
accountasperol
drati
ngandaspernewrat
ing?
[1000,
1000+150+200=1350]
Ques6:Whatist
henumberofCr
ati
ngaccountas
on31-
03-2020?[
10+10=20]