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Ratings Guide


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
Limited 4

Alternate Ratings Used

O- Assigned when the information available does not permit us to classify the company within our rating keys. It should not be construed as unfavorable but, signifies circumstances difficult to classify within the condensed rating symbols.
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 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.
FB Foreign Branch indicates that headquarters of the business is maintained in a foreign country

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 PHP)
5A 5AA 1,065,000,000 and greater
4A 4AA 213,000,000 - 1,064,999,999
3A 3AA 31,950,000 - 212,999,999
2A 2AA 15,975,000 - 31,949,999
1A 1AA 7,988,000 - 15,974,999
A AA 4,004,000 - 7,987,999
B BB 2,002,000 - 4,003,999
C CC 1,001,000 - 2,001,999
D DD 511,000 - 1,000,999
E EE 256,000 - 510,999
F FF 128,000 - 255,999
G GG 65,000-127,999
H HH 0-64,999
N Financial Strength is negative
O Financial Strength is undisclosed
NB New Business less than 24 months old
NQ Ceased Trading