Credit Research Report

1. Credit Research Report Baptista Research’s Credit Analysis Reports offer an independent view of a company’s financial strength and creditworthiness. We follow a highly objective approach in the evaluation of both quantitative as well as qualitative risks. Our credit research reports help debt investors and lenders to evaluate the probability of late payments or defaults and avoid their negative impact on the business. While the reports can be used by all forms of stakeholders, they are particularly useful to banks, other lenders, and debt instrument investors. Our credit evaluation reports highlight the key credit strengths and risks associated with a company along with a detailed line-by-line analysis of the financial statements and all key financial ratios versus the industry. We also use indicators such as the Altman Z-Score and the Beneish M-Score and carry out an objective analysis of the company’s industry risks, ESG risks, management risks, forex risks, concentration risks, and so on. Credit research report Banks & lending institutions Apart from secondary market bond investors, we also cater to the primary lending market and provide on-demand credit research reports to banks and lending institutions which help them in credit analysis. Our reports are a low-cost supplement to the in-house credit analysis systems of banks and lenders and they help evaluate the probability of late payments or defaults and avoid their negative impact on the business. Debt Investors

2. Our reports available on financial platforms essentially cater to publicly traded bonds or debt-heavy companies. They are particularly relevant for the secondary market of this debt and help debt investors by providing an independent and professional judgment of the credit quality of a company. They help investors optimize risk-return preference as our credit evaluation looks to establish a link between risk and return. Large institutional and other investors also make use of our credit evaluation reports to make investment decisions. We have served more than 4,000 institutional investors with our research till date. Corporates Corporates looking to raise debt can use our reports as a tool to inspire confidence among institutional investors and lenders. Our credit analysis reports provide their lenders with a basis for determining the returns compared to the risks involved or perceived. Intermediaries Intermediaries like investment bankers and other market participants can also buy credit research reports provided by Baptista Research for the purpose of pricing, placement, research, and marketing of debt issues, and so on. Access Our Existing Credit Research We distribute credit analysis reports across all our platform partners – Refinitiv Eikon, Thomson One, S&P Capital IQ, FactSet, AlphaSense, Research Tree, RSRCHX by Liquidnet, Advisen, and Nucleus195. If you are a non-buy-side professional with access, you can search and directly download our reports from these platforms. Website: https://baptistaresearch.com/workwithus/