Obligor Risk Rating PD Model (Corporate / Commercial)

Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
Obligor Risk Rating PD Model (Corporate / Commercial)
Basic Information Input Fields

Borrower Name

CIF ID

Group Name

Industry Sector

Business Group

Exposure Type

Latest Annual Financial Data of the

Borrower
Cash & Bank Balance
Inventories
Trade Debt / Accounts Receivable
Short Term Investments
Other Current Assets
Total Current Assets
Operating Fixed Assets
Intangible Assets
Long Term Investements
Other non-current assets
Total Non-Current Assets
Total Assets
Accounts Payable
Short Term Loans (Secured /
Unsecured)
Other current liabilities
Total Current Liabilities
Long Term Loans (Secured /
Unsecured)
Debentures / TFCs
Employees Benefit Obligations
Other non-current liabilities
Total Long term Liabilities
Total Liabilities
Share Capital / Paid up Capital
Retained Earnings
Surplus on revaluation of fixed assets
Others
Total Shareholder’s Equity
Total Capital Employed
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
/ Commercial) National Bank of Pakistan
Date of Rating (MM/DD/YYYY) 27-Mar-18

eCIB Code

Nature of Relationship

Previous Internal Rating

External Risk Rating Agency

External Risk Rating

Assigner Kamran

All Figures in PKR Thousands ('000)

2018 2017
Balance Sheet

- -

- -
- -

- -

- -
- -

- -
- -
Income Statement
Obligor Risk Rating Model (Corporate / Commercial)

Quantitative Parameters
1 Interest Coverage Ratio (X)
Ratio Value
Score Assigned
Weighted Score

2 Current Ratio (X)

Ratio Value
Score Assigned
Weighted Score

3 Current Asset Turnover (X)

Ratio Value
Score Assigned
Weighted Score

4 Asset Turnover (X)

Ratio Value
Score Assigned
Weighted Score

5 Debt to Equity Ratio (X)

Ratio Value
Score Assigned
Weighted Score

6 Gross Profit Margin ( % )

Ratio Value
Score Assigned
Weighted Score

7 Oprating Cashflow to Debt ( % )

Ratio Value
Score Assigned
Weighted Score
95
8 Return on Capital Employed (%)
Ratio Value
Obligor Risk Rating Model (Corporate / Commercial)

Quantitative Parameters
Score Assigned
Weighted Score

9 Return on Equity ( % )
Ratio Value
Score Assigned
Weighted Score

10 Total Debt Ratio (%)

Ratio Value
Score Assigned
Weighted Score

11 EBIT to Total Assets (%)

Ratio Value
Score Assigned
Weighted Score

12 Retained Earning to Total Assets (%)

Ratio Value
Score Assigned
Weighted Score
 National Bank of Pakistan

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
 National Bank of Pakistan

#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

2018
#DIV/0!
#DIV/0!
#DIV/0!

Total Quantitative Score #DIV/0!

 Nation

Qualitative Parameters

10

11

12

13

14
 National Bank of Pakistan
Obligor Risk Rating PD Model (Corporate / Commercial)
tive Parameters
ut Fields
rship Structure
c Limited (quoted) / PSEs

try Rating
ctive

in Business
7 Years

al Controls & Procedure

y standardized operational controls and procedures along with ISO Certification or other reputable certifying agencies, high
liance with environmental / social laws and regulations

or's Reputation
sors / directors have a clear track record and have not defaulted

gement Quality
ssionally run with succession planning, good corporate governance structure and a low senior management turnover

Firm Rating
ating 'A'

nt Behavior
ess with prompt adjustment

p CIB Report
verdue or default reported in company or any group concern

onship with Bank

5 years

gement Experience
team with over 20 years of avg. Experience with diversified hands on knowledge / expertise of related concerns

nal Rating
pany is rated by eligible ECAI in the range AAA to AA-

or's Opinion
alified (No limitations and company follows GAAP / IFRS)

ry Rating
estic lending / disbursement (Lending within Pakistan)
 National Bank of Pakis
Obligor Risk Rating Sheet (Corporat
Borrower Name 0
CIF ID 0
Group Name 0

Industry Sector 0

Nature of Relationship 0
Exposure Type 0
Country Rating Discount 0%
Assigner Kamran

Rating Definition

OVERRIDES

Frequent change in auditors within regulatory time frame

Breach of loan covenants except for security documentation

Financials do not reflect credit worthiness of the borrower (i.e. overstated, understated, un

Rescheduling in last 5 years - without relief

Stale financials i.e. latest audited financials not available after the following specified period
- 4 months for listed companies
- 15 months for unlisted PSEs
- 9 months for all other clients

Rescheduling with relief in last 5 years except where management has changed (the new m
equity / has turned around the company operationally & financially) and the rescheduled lo

Outstanding litigations / contingent liabilities (except LC & Bank guarantee) / Cross Compan
30% of the equity
Interim financial statements show deteriorating performance / declining trend

OVERRIDES

Interim financial statements show an improved performance / trend

Green Field Projects / New Companies

FINAL RATING #DIV/0!

 Financial Summary
Interest Coverage
Current Ratio
Current Asset Turnover
Asset Turnover
Debt to Equity Ratio
Gross Margin
Qualitative Parameters
Ownership Structure
Industry Rating
Years in Business
Internal Controls & Procedure
Sponsor's Reputation
Management Quality
Audit Firm Rating
Account Behavior
Group CIB Report
Relationship with Bank
Management Experience
External Rating
Auditor's Opinion
Country Rating
_______________
Assigned By
Name & Stamp
2018
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Public Limited (quoted) / PSEs
Attractive
Over 7 Years
Highly standardized operational controls and procedures along wit
with environmental / social laws and regulations
Sponsors / directors have a clear track record and have not default
Professionally run with succession planning, good corporate gover
SBP Rating 'A'
Faultless with prompt adjustment
No overdue or default reported in company or any group concern
Over 5 years
Hired team with over 20 years of avg. Experience with diversified h
Company is rated by eligible ECAI in the range AAA to AA-
Unqualified (No limitations and company follows GAAP / IFRS)
Domestic lending / disbursement (Lending within Pakistan)
 d
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National Bank of Pakistan aj
k Rating Sheet (Corporate / Commercial) tu
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ise
Date of Rating (MM/DD/YYYY) 27-Mar-18 t
in
gi
eCIB Code 0 Sg
W
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cte
Assigner Overrides None i(g
o e
rd
gA
Final Score (After adjusting Country e
#DIV/0! h
fC
Rating) t
A
to
va
Model Rating #DIV/0! u
e
g
Final Rating (After adjusting rn
re
Overrides) #DIV/0! at
gr
ae
Probability of Default #DIV/0! y
d
jS
R
cu
o
sar
#DIV/0! ttProbability
e
ii
n
n
Levels to gg
RRIDES Yes / No Downgrade )
(Upto) O
No 1 v
on No 1 e
r
r (i.e. overstated, understated, unconsolidated financials) No 1 r
i
No 1 ### d
after the following specified period from financial close: ### e
### s
No 1
### )

agement has changed (the new management has injected No 1 ###

financially) and the rescheduled loan is not outstanding

& Bank guarantee) / Cross Company guarantees exceeding No 1 ###

nce / declining trend No 1 ###

###

RRIDES Yes / No Levels to Upgrade ###

###

nce / trend No 1
###
Total overrides utilized 0 ###
###

No CR
###
DETERIORATION IN EXISTING STATUS None ###
 Financial Summary 2018 ###
Operating Cashflow to Debt #DIV/0!
Return on Capital Employed #DIV/0! ###
Return on Equity #DIV/0!
Total Debt Ratio #DIV/0!
EBIT to Total Assets #DIV/0!
Retained Earning to Total Assets #DIV/0!

2018
SEs

tional controls and procedures along with ISO Certification or other reputable certifying agencies, high compliance
l laws and regulations
clear track record and have not defaulted

cession planning, good corporate governance structure and a low senior management turnover

stment
rted in company or any group concern

ars of avg. Experience with diversified hands on knowledge / expertise of related concerns
e ECAI in the range AAA to AA-
and company follows GAAP / IFRS)
ement (Lending within Pakistan)

Reviewed By
Name & Stamp