Products & Services

Services Offered


»  Entity Ratings of Corporates, NBFIs & FIs


»  Credit Ratings of Term Finance Certificates and long term issues


»   Bank Finance Ratings


»  Commercial Paper Ratings


»  Lease, Housing Finance, Credit Card and other Corporate/ Consumer Finance Receivables Securitization Ratings


»  Equity Ratings including initial public Offerings and Right Offerings


»  Insurer Financial Strength Ratings


»  Project Finance Ratings


»  Mutual Funds Ratings


»  Musharaka/Modaraba issues Ratings


»  Grading of Construction Projects


Additional Services


On an international rating scale, JCR offers following ratings in Pakistan jointly with JCR-VIS.


Foreign Currency Ratings


Foreign currency ratings express the ability of an entity to meet its international obligations in the currency of another country, say the US dollar. These ratings are invariably capped by the sovereign ceiling.


Local Currency Ratings on International Scale


Local currency ratings on an international scale express the ability of an entity to meet its international obligations in its local or domestic currency, and are usually higher than foreign currency ratings.


Local Currency Ratings on National Scale


Local currency ratings on a national scale express the ability of an entity to meet its domestic obligations in its local or domestic currency. These ratings assume the local government to be risk free, and rated AAA.