New Zealand
The D&B® Rating consists of a Risk Indicator/Condition Code and Financial Strength Indicator. The Financial Strength Indicator is based on either Net Worth or Issued Capital.
D&B Risk Indicator
The following possible values exist for the D&B Risk Indicator in this country.
| Risk Indicator | Condition | Level of Risk | Guide to Interpretation |
|---|---|---|---|
| 1 | Strong | Minimal risk | Proceed with transaction - offer extended terms if required |
| 2 | Good | Low risk | Proceed with transaction |
| 3 | Fair | Slightly greater than average risk | Proceed with transaction but monitor closely |
| 4 | Limited | Significant level of risk | Review each case before extending credit and obtain more information. Take suitable assurances before extending credit, guarantees may be needed |
D&B Financial Strength Indicator
The following table possible values exist for the D&B Financial Strength Indicator in this country.
| Based on Net Worth | Net Worth (in NZD) |
|---|---|
| 5A | 50,000,000 and greater |
| 4A | 10,000,000 - 49,999,999 |
| 3A | 5,000,000 - 9,999,999 |
| 2A | 1,000,000 - 4,999,999 |
| A | 600,000 - 999,999 |
| B | 300,000 - 599,999 |
| C | 100,000 - 299,999 |
| D | 40,000 - 99,999 |
| E | 12,000 - 39,999 |
| F | 4,000 - 11,999 |
| G | 0 - 3,999 |
| - | Used when information available is insufficient or does not permit assignment of a rating. This is also used for businesses that have been trading for a relatively short period. Companies showing signs of financial distress of a deficit net worth may also receive a "--" rating. |
| NQ | Certain businesses do not lend themselves to a D&B rating, and the letters "NQ" on any D&B Business Information Report mean "Not Quoted". Information on these names, however, continues to be stored and updated in the D&B Business Information file, and Reports are available. Government entities are rated NQ. |
| DS | Assigned to records with minimal data that require an investigation before a rating can be assigned. |
| BR | A BR rating indicates the record is a branch location of a subject company's headquarters or headoffice. |
| AC | indicates a file which only includes ASIC (Australian Securities and Investments Commission) data which has not been matched with D&B's adverse data. |
| INV | Shown in the place of rating. INV indicates that D&B is currently updating an existing report. |