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   1.   BASIS Credit Rating is a balanced scorecard, which takes into          consideration both financial and non-financial factors for effective          credit and risk assessment. It includes both macro and micro          analysis.

   2.   Comprehensive study of both the internal and external factors and          an evaluation of the inter-linkages between the company and the          business environment, the industry and its past trend.

   3.   Comparative and percentage composition ratio study on past          financial years for performance appraisal and trend analysis.

   4.   Positioning the subject concerned in the market by benchmarking it          againts the industry standard and competitive analysis againts          other players in the market.

   5.   Collaborative study of the six critical credit elements (6Cs).

   6.   Assign a score for each and every one of the 6 Cs after a          comprehensive cedit risk assessment.

   7.   Rating is assigned according to the weighted scores, which will          reflect the risk and confidence levels, the company's performance and          its credit standing.

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