Model Parameters
| Class | Sector | Metric | Inequality | AAA | AA | A | BBB | BB | B | CCC | CC | C | D |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Class | Sector | Metric | Inequality | AAA | AA | A | BBB | BB | B | CCC | CC | C | D |
| 1 - Capital Structure | Property | Price_To_Book | >= | 0.7000 | 0.6500 | 0.6000 | 0.5500 | 0.5000 | 0.4500 | 0.4000 | 0.3000 | 0.2500 | 0.2500 |
| 2 - Capital Structure | Property | Indir/Tot_Prop_Assets | <= | 0.1500 | 0.1750 | 0.2000 | 0.2500 | 0.3000 | 0.3500 | 0.4000 | 0.4500 | 0.5000 | 0.5000 |
| 3 - Capital Structure | Property | Loan_To_Value | <= | 0.4500 | 0.5000 | 0.5500 | 0.6000 | 0.6250 | 0.6500 | 0.6750 | 0.7000 | 0.7500 | 0.7500 |
| 4 - Capital Structure | Property | Net_IBD/EBIT | <= | 5.0000 | 7.0000 | 9.0000 | 11.0000 | 13.0000 | 15.0000 | 17.0000 | 20.0000 | 25.0000 | 25.0000 |
| 5 - Capital Structure | Property | Tot._Liab/Tot._Assets | <= | 0.6000 | 0.6500 | 0.7000 | 0.7500 | 0.8000 | 0.8500 | 0.9000 | 0.9500 | 1.0000 | 1.0000 |
| 6 - Efficiency | Property | Rental_Reversion_% | >= | 0.0350 | 0.0250 | 0.0000 | -0.0250 | -0.0450 | -0.0650 | -0.0750 | -0.0850 | -0.0950 | -0.0950 |
| 7 - Efficiency | Property | Cost_To_Income | <= | 0.3500 | 0.4000 | 0.4500 | 0.5000 | 0.5500 | 0.6000 | 0.6500 | 0.7000 | 0.7500 | 0.7500 |
| 8 - Efficiency | Property | WALE (yrs) | >= | 5.0000 | 4.0000 | 3.0000 | 2.7500 | 2.5000 | 2.2500 | 2.0000 | 1.5000 | 1.0000 | 1.0000 |
| 9 - Efficiency | Property | Vacancy_% | <= | 0.0550 | 0.0650 | 0.0750 | 0.0850 | 0.0950 | 0.1050 | 0.1150 | 0.1250 | 0.1500 | 0.1500 |
| 10 - Efficiency | Property | Cost_of_Debt | <= | 0.0900 | 0.0950 | 0.1000 | 0.1150 | 0.1300 | 0.1450 | 0.1600 | 0.1750 | 0.2000 | 0.2000 |
| 11 - Liquidity & Solvency | Property | Unenc_Assets/Unsecured_Debt | >= | 3.5000 | 3.0000 | 2.5000 | 2.0000 | 1.5000 | 1.2500 | 1.0000 | 0.7500 | 0.5000 | 0.5000 |
| 12 - Liquidity & Solvency | Property | Current_IBD_% | <= | 0.2000 | 0.2250 | 0.2500 | 0.2750 | 0.3250 | 0.3500 | 0.3750 | 0.4000 | 0.4500 | 0.4500 |
| 13 - Liquidity & Solvency | Property | CFO/Total_IBD_% | >= | 0.2000 | 0.1750 | 0.1500 | 0.1250 | 0.1000 | 0.0800 | 0.0700 | 0.0600 | 0.0500 | 0.0500 |
| 14 - Liquidity & Solvency | Property | Interest_Cover_% | >= | 2.7500 | 2.5000 | 2.2500 | 2.0000 | 1.7500 | 1.5000 | 1.0000 | 0.7500 | 0.5000 | 0.5000 |
| 15 - Liquidity & Solvency | Property | Unencumbered_Assets_% | >= | 0.3000 | 0.2500 | 0.2000 | 0.1750 | 0.1500 | 0.1250 | 0.1000 | 0.0750 | 0.0500 | 0.0500 |
| 16 - Profitability & Earnings | Property | EBIT_Margin | >= | 0.6000 | 0.5000 | 0.4000 | 0.3000 | 0.2000 | 0.1000 | 0.0500 | 0.0250 | 0.0100 | 0.0100 |
| 17 - Profitability & Earnings | Property | Prop Yield_% | >= | 0.0600 | 0.0500 | 0.0450 | 0.0350 | 0.0300 | 0.0250 | 0.0150 | 0.0100 | 0.0050 | 0.0050 |
| 18 - Profitability & Earnings | Property | Prop_Reval/Prop_Assets_% | <= | 0.1500 | 0.0500 | 0.0600 | 0.0700 | 0.0800 | 0.0900 | 0.1000 | 0.1100 | 0.1250 | 0.1500 |
| 19 - Profitability & Earnings | Property | Dir_Prop_Rev/Tot._Rev | >= | 0.8000 | 0.7500 | 0.6500 | 0.6000 | 0.5000 | 0.4000 | 0.3000 | 0.2000 | 0.1000 | 0.1000 |
| 20 - Qualitative Factors | Property | Portfolio_Quality | >= | 9.0000 | 8.0000 | 7.0000 | 6.0000 | 5.0000 | 4.0000 | 3.0000 | 2.0000 | 1.0000 | 1.0000 |
| 21 - Qualitative Factors | Property | Bus. Model Risk | >= | 9.0000 | 8.0000 | 7.0000 | 6.0000 | 5.0000 | 4.0000 | 3.0000 | 2.0000 | 1.0000 | 1.0000 |
| 22 - Qualitative Factors | Property | Management Strength | >= | 9.0000 | 8.0000 | 7.0000 | 6.0000 | 5.0000 | 4.0000 | 3.0000 | 2.0000 | 1.0000 | 1.0000 |
| 23 - Qualitative Factors | Property | Sector Outlook | >= | 9.0000 | 8.0000 | 7.0000 | 6.0000 | 5.0000 | 4.0000 | 3.0000 | 2.0000 | 1.0000 | 1.0000 |
| 24 - Size Discriminants | Property | Net_Asset_Value_ZAR | >= | 80000.0000 | 70000.0000 | 60000.0000 | 50000.0000 | 40000.0000 | 30000.0000 | 15000.0000 | 10000.0000 | 7500.0000 | 7500.0000 |
| 25 - Size Discriminants | Property | Tot_Assets_ZAR | >= | 100000.0000 | 80000.0000 | 60000.0000 | 50000.0000 | 40000.0000 | 30000.0000 | 20000.0000 | 10000.0000 | 5000.0000 | 5000.0000 |
| 26 - Size Discriminants | Property | Tot_Property_Assets_ZAR | >= | 75000.0000 | 65000.0000 | 55000.0000 | 45000.0000 | 35000.0000 | 25000.0000 | 15000.0000 | 5000.0000 | 2500.0000 | 2500.0000 |
| 27 - Size Discriminants | Property | Tot_Assets_Unencumbered_ZAR | >= | 40000.0000 | 35000.0000 | 30000.0000 | 25000.0000 | 20000.0000 | 15000.0000 | 10000.0000 | 5000.0000 | 2500.0000 | 2500.0000 |