Philippines
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 Appraisal | Corresponding 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 Worth | Based On Capital | Net 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 | |