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Ratings Guide

Hong Kong

The D&B® Rating consists of a Composite Appraisal / Condition and Financial Strength Indicator. The Financial Strength Indicator is based on Net Worth (shareholders’ funds less any intangible assets). The Composite Appraisal / Condition is an overall evaluation of credit worthiness.

Credit Appraisal

The following possible values exist for the Credit Appraisal in this country.

Credit AppraisalCorresponding Composite
High 1
Good 2
Fair 3
Poor 4

Alternate Ratings Used

O- Assigned when the information available does not permit us to classify the company within our rating keys. Also assigned to businesses that have been trading for a relatively short period. Other reasons are deficit net worth, bankruptcy proceedings or critical financial condition. Representative Office of a foreign company.
NQ Certain businesses (according to SIC) are not active seekers of commercial credit and thus do not lend themselves to a D&B Rating. Businesses that have ceased operations or have gone out-of-business are also assigned NQ rating which means "Not Quoted".
DS Assigned to records that require investigation before a rating can be assigned.

D&B Financial Strength Indicator

The following table possible values exist for the D&B Financial Strength Indicator in this country.

Based on Net WorthBased On CapitalNet Worth (in HK$)
5A 5AA 300,000,000 and greater
4A 4AA 70,000,000 - 299,999,999
3A 3AA 10,000,000 - 69,999,999
2A 2AA 7,000,000 - 9,999,999
1A 1AA 6,000,000 - 6,999,999
A AA 5,000,000 - 5,999,999
B BB 4,000,000 - 4,999,999
C CC 3,000,000 - 3,999,999
D DD 2,000,000 - 2,999,999
E EE 1,000,000 - 1,999,999
F FF 500,000 - 999,999
G GG 200,000 - 499,999
H HH 0 - 199,999
N Financial Strength is negative
O Financial Strength is undisclosed
NB New Business less than 24 months old
NQ Ceased Trading