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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-Used when information available is insufficient or does not permit assignment of a rating. Also assigned to businesses that have been trading for a relatively short period. Other reasons include:
  • A deficit net worth
  • Bankruptcy proceedings
  • A critical financial condition
  • Lack of executive background information
  • Lack of indate financial statement
  • Recent Inception
  • Lack of ownership details
NQCertain 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".

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 S$)
5A 5AA 90,000,000 and greater
4A 4AA 20,000,000 - 89,999,999
3A 3AA 4,000,000 - 19,999,999
2A 2AA 2,000,000 - 3,999,999
1A 1AA 1,000,000 - 1,999,999
A AA 900,000 - 999,999
B BB 800,000 - 899,999
C CC 700,000 - 799,999
D DD 600,000 - 699,999
E EE 500,000 - 599,999
F FF 300,000 - 499,999
G GG 100,000 - 299,999
H HH 0 - 99,999
N Financial Strength is negative
O Financial Strength is undisclosed
NB New Business less than 24 months old
NQ Ceased Trading