Banking Awareness

Credit Rating Agencies

 Banking Awareness
Credit Rating Agencies

Credit Rating Agencies

National Credit Rating Agencies:

Agency Name Headquarte Establishme Functions Share Holder

rs nt

Credit Rating Mumbai 1987 The Standard &

Information main function of CRI Poor’s

Services of India SIL is to establish the

Limited creditworthiness of

(CRISIL)- Oldest companies based on

Credit Rating the business

Agency in India strengths, the board,

the market share,

and reputation of the

company and so

on. CRISIL rates

organization like

public limited

companies, banks

and financial

organizations and not

individuals

India Ratings Mumbai 1995 provides accurate Fitch

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 Banking Awareness
Credit Rating Agencies

and Research and timely credit

Private Limited opinions on the

country’s credit

market

Investment Gurugram, 1991 The organisation is Moody’s

Information and Haryana known for assigning

Credit Rating corporate

Agency (ICRA) governance rating,

performance rating,

mutual funds ranking

Credit Analysis Mumbai 1993 The agency provides

and Research credit rating that

Limited (CARE) helps corporates to

raise funds for their

investment

requirements.

Investors can make

decisions based on

credit risk and risk-

return expectations.

SMERA Ratings Mumbai 2005 Analyses and

establishes the

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 Banking Awareness
Credit Rating Agencies

credibility of existing

micro, small, and

medium enterprises

(MSMEs). MSMEs

can improve, grow,

and avail

cheaper/faster loans.

CIBIL Mumbai 2000 To provide a credit TransUnion

report and credit

score for individuals

as well as credit

report and credit rank

for companies, which

are often the decisive

factors in getting new

credit applications

approved

ONICRA Gurgaon, 1993 ONICRA credit

Haryana assessment and

scoring services for

both individuals and

businesses and is

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 Banking Awareness
Credit Rating Agencies

also a reliable

employee

background

screening

company. ONICRA al

so offers risk

assessment reports

and analytical

solutions for

individuals, MSME's

as well as for well-

established corporate

organizations.

International Credit Rating Agencies:

Agency Name Headquarters Establishment Functions

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 Banking Awareness
Credit Rating Agencies

Moody’s New York, United 1909 ● Moody's Investors

States Service provides

investors with credit

ratings, risk analysis, and

research for stocks,

bonds, and government

entities.

Fitch New York, United 1914 Fitch offers sovereign

States and London , credit ratings that

UK describe each

nation's ability to meet its

debt obligations

Standard & Poor’s- New York, United 1860 Publishes financial

largest of the Big States research and analysis on

Three credit-rating stocks, bonds, and

agencies commodities.

CAMELS Ratings: CAMELS acronym stands for "Capital adequacy, Asset quality,

Management, Earnings, Liquidity, and Sensitivity. It is one of the rating agencies originally

developed in the US. It is used by regulatory banking authorities to rate financial

institutions, according to the six factors represented by its acronym.

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