Singapore
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- | 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:
|
| 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". |
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 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 | |