Basic characteristics similar or close

Class "B" - Basic characteristics similar or close to a class "A"
 However, the probability of maintaining the same level is low or
 existing trend (or information) about the possibility of reduction.  The extent
 quality and liquidity of the credits issued for a period
 more than one year, sufficient to repay in full the loan and
 interest / fees for it.

 Class "B" - the total amount of the borrower's income and expenses show
 achieve maximum limits to ensure debt repayment, a change of
 work (the deteriorating conditions), growth of the borrower,
 indicating increased probability of delayed and / or incomplete
 the amount of the loan and interest / fees for it. 

 Class "D" - the borrower's financial situation is unstable.  The current trend and
 recurring problem of timely payment of debt on loans
 and interest / commission for him because of the instability of income borrowers
 or increased costs and / or liabilities.  Aggregate net income
 borrower in certain periods does not provide for the payment of debt and credit
 interest / fees for it.  There are problems regarding collateral
 (Low level of liquidity or lack of volume, etc.).

 Class "D" - the poor financial condition of the borrower.  Income not
 ensure payment of the debt on the loan and interest / fees for it.
 Unsecured loans marketable collateral.  Almost no chance
 to pay the debt on the loan and interest / commission for them, including
 by providing credit.

 If there is no reliable financial reporting, confirming the assessment
 financial condition of the borrower - legal entity or related
 documents and information to assess the financial condition of an individual, and
 and properly executed documents on which
 credit operation was carried out, these borrowers have
 classified no higher class "H".