The financial rating
It differs according to the size of the company:
- VSEs with their simplified financial statements (are not subject to the same financial statement requirements).
- SMEs - Large Business
The financial rating module automatically calculates the counterparty's rating based on ten sub-contributions, and recommends a final grade.
Qualitative scoring
Assessing the quality of the counterparty consists in completing a qualitative questionnaire integrated into the tool relating to specific criteria:
- Shareholder
- Political-economic environment
- Management
- Socio-environmental impact
- Customer and supplier relationships
- Legal form
- Competitiveness level
This assessment makes it possible to complete the financial rating and to provide additional criteria for assessing the counterparty's risk profile.
The evaluation of guarantees
The analysis of the guarantees linked to the loan requested by the counterparty allows:
- to assess the quality of guarantees and their eligibility for the regulatory system established by the BCEAO;
- to calculate the coverage rate of these guarantees;
- to provide the bases for calculating the marginal consumption of own funds for the credit granted.
Marginal capital consumption
This module makes it possible to measure the marginal consumption of equity linked to a credit.
