| Excellent | 4.50 - 5.00 | Exceptionally strong operational and financial performance. Financial stress in the next two years is minimal. Large credits can be extended with high confidence. |
| Good | 3.50 - 4.49 | Sound operational and financial performance. Low risk of financial stress in the next two years. Large credits can be extended with conditions. |
| Satisfactory | 2.25 - 3.49 | Adequate operational and financial position. Risk of financial stress in the next two years is within acceptable range. Moderate size credits can be extended with high confidence. |
| Passable | 1.50 - 2.24 | Minor but manageable operational and financial problems. Risk of financial stress in the next two years is greater than average. Small credits can be extended with high confidence. |
| Weak | 0.75 - 1.49 | Several indications of operational and financial problems. Risk of financial stress in the next two years is high. Small credits can be extended with strict trade terms. |
| Very Poor | 0.01 - 0.74 | Serious operational and financial problems noted. Financial stress is evident. Dealings on open terms are not recommended. |
| Undetermined | - | Insufficient information available to express any opinion. Tradings are not recommended. |