Client Name CNIC

Data
Rating Date New/old client obtained

Points
S.No Section Category Obtained
1 Personal Details 84%
2 Employment 63%
3 Financials 73%
4 Standard of Living 100%
5 Collateral 91%
6 Character 63%
7 Judgement 50%

Risk Rating Summary

Final Score 74.93

Category Grade Status
B+ Good
Length of
Relationship Approved
with bank Completed by By

Weightage Score
15% 13%
20% 13%
30% 22%
10% 10%
10% 9%
10% 6%
5% 3%
100% 75%

Aggregate Score Rating Status Grade

90-100 1 Excellent A
80-90 2 Very Good A-
70-80 3 Good B+
50-70 4 Satisfactory B
30-40 5 Fair B-
0-30 6 Poor C
 Personal Details
Max points 45
Points scored 38
Score Percentage 84%
Weightage 15%

1.1 Age Bracket 4

7

10 10
8
3 2

1.2 No. Of Dependents 10

7
3
10
-1
1

1.3 Educational Qualification 7

5
3
7 0
1 0

1.4 Tax filer 1

0

1
1

1.5 Disability/Health 0
0
7
0 8
1

1.6 Residence 10
5
3
10
0
1
18-26
27-34
34-50
50-65
65+

0-1
2 till 4
4 till 6
>6

Masters and Above

Bachelors
Intermediate or Equivalent
Matric to Equivalent
None

Filer
Non Filer

Physical Disability 1.5. Consideration

will be given
Chronic Illness according to the
Minor Health Issues case.
Physically fit

Sole owner
Co owner
Mortgage
Rent
 Employment
Max points 59
Points scored 37
Score Percentage 63%
Weightage 25%

2.1 Company Popularity 2

4
4
2 6
8
10
Company Reputation
2.2 2
6 4
3 6
8
10

Company Type 10
2.3 8
10 6
1 4
2

2.4 Employee Designation

5 10
3 8
5
3
1

2.5 Employee Salary

8 10
2 8
5
3
1

2.6 Employment Duration 1

3
4 4
3 7
9
Very Popular
Popular
Average
Not Known
Completely Unknown

Excellent
Good
Average
Bad
Black List

Multinational
Public Ltd
Private Ltd
Start-Up
Others

Top Executive
Upper Management
Mid-Level Employee
Lower-Level Employee
Lower Staf

500,000 or above
300,0000 or above
100,000 or above
50,000 or above
> 50,000

> 1 year
1-5 years
5-10 years
10-15 years
above 15 years
 Financials
Max points 66
Points scored 48
Score Percentage 73%
Weightage 40%

3.1 Annual Income Bracket 0

2
4
0 6
1 8

3.2 Worth of Assets 2

3
4
-2 6
1 8

3.3 Outstanding Debts/Payables 10

8
6
10 4
1 2
-2

3.4 Debt Repayment Capacity (monthly income/monthly expenses)

10
1
3.5 Income from property/profits/dividends

10
1

3.6 Tax Paid (Annually) 10

8
6
10 4
1 2
1
-3

3.7 CIB report 10

 -5
-3
10 -1
1
Less than 500,000
between 500,000 and 1 million
between 1 million and 2.5 million
between 2.5 million and 5 million
above 5 million

Less than 1 million

between 1 million and 5 million
between 5 million and 10 million
between 10 million and 25 million
above 25 million

None
Less than 100,000
Between 100,000 and 500,000
Between 500,000 and 1 million
Between 1 million and 2 million
Above 2 million

10 greater than 2
7 between 1.5 and 2
2 between 1 and 1.5
-3 less than 1

10 50% or above of total income

7 Between 25% and 50% of total income
5 Between 5% and 15% of total income
3 Less than 10% of total income
0 None

greater than 500,000

between 250,000 and 500,000
between 100,000 and 250,000
between 500,000 and 100,000
between 30,000 and 50,000
less than 30,000
not paid

No default in history
default in last year
default once in last 3 years
default event older than last 3 years
 Standard of Living
Max points 42
Points scored 42
Score Percentage 100%
Weightage 10%

4.1 No. of cars owned 8 more than 2

5 2
3 1
8 0 none
1
4.2 No. of Domestic Servants 8 More than 2
5 2
3 1
1
8 0 0
1
4.3 No. of Air conditions at home 8 more than 2
5 2
1 3 1
8 0 none
1
4.4 No. of gadgets 8 more than 5
5 3 to 5
3 1 to 2
8 0 None
1
4.5 Insurance Takaful Coverage 10 life, health and propert insurance cover
8 property insurance
5 property insurance of only collaterals
10 0 No insurance
1
nd propert insurance coverage

rance of only collaterals

 Standard of Living
Max points 54
Points scored 49
Score Percentage 91%
Weightage

5.1 Collateral Asset 0

5

0
1

5.2 Custody 10
9
7
10 1
1

5.3 Fluctuation in Market value 9

5
1
9
1

5.4 Estimated FSV of collateral 10

7
5
10 2
1

5.5 Takalful/Insurance of collateral 10

5
0
10
1

5.6 Guarantee provided on Collateral 10

5
0
10
1
The asset bought by loan
A diferent asset

Asset in bank's custody

Asset in client's custody checked by the bank regularly
Asset in client's custody
Asset in 3rd part's custody

Highly stable
Moderately stable
Highly fluctuating

More than 80% of FMV

Between 80% and 60% of FMV
Between 60% and 50% of FMV
less than 50% of FMV

Full takaful
Part takaful
No takaful

Yes
Partial
No
 Character
Max points 30
Points scored 19
Score Percentage 63%
Weightage

6.1 History of Lawsuits against the client 10

0
5
10 8
1

6.2 History of Imprisonment 10

5
-3
10
1
6.3 Politically Exposed
-1
5
-1 10
1
No law suits
Law suits filed in a last year
Law suits filed and settled 3 years ago
Law suits filed and settled more than 3 years ago

No history of imprisonment
History of imprisonment in last 3 years with satisfactory explaination obtained
History of imprisonment in last 3 years with NO satisfactory explaination

Yes
Yes but with a good reputation
No
 Judgement
Max points 20
Points scored 10
Score Percentage 50%
Weightage

7.1 Additional Considerations 20 Yes

0 No
10 Neutral
10
3