I hope all of you will take advantage of this wonderful opportunity. 2. Being a part of the banking system, which forms the core of the financial architecture of the economy, you have an inimitable opportunity to influence the economic lives of the nation’s populace. We all know that banking plays a silent, yet crucial part in our day-to-day lives.
Second, the volumes are huge and difficult to cope with. Third, the ratings could increase the cost of credit. Fourth, even with a good rating the availability and pricing of credit depends on other factors. Finally, the SME borrowers may not able to present well audited accounts and facts about markets and business dynamics that can be relied upon by credit rating agencies.