Disclaimer
This page is intended for US prospects, clients and investors only and includes information about the capabilities, staffing and history of Robeco Institutional Asset Management US, Inc. (RIAM US) and its participating affiliates, which may include information on strategies not available in the US. US Securities and Exchange Commission (SEC) regulations are applicable only to clients, prospects and investors of RIAM US. Robeco BV, Robeco HK and Robeco SH are considered a “participating affiliate” of RIAM US and some of their employees are “associated persons” of RIAM US as per relevant SEC no-action guidance. Employees identified as access persons or associated persons of RIAM US perform activities directly or indirectly related to the investment advisory services provided by RIAM US. In those situations, these individuals are deemed to be acting on behalf of RIAM, a US SEC registered investment adviser. RIAM US’s SEC registration should not be viewed as an endorsement or approval of RIAM US by the SEC. RIAM US maintains its offices at 230 Park Avenue, New York, NY 10169.
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Fixed income
Creditworthiness
Creditworthiness is the overall evaluation of a borrower’s ability to repay debt. It reflects their financial stability, credit history, and existing obligations and indicates the likelihood that an individual, company, or government will meet its debt payments on time. Companies with higher creditworthiness are seen as low-risk and can access loans or issue bonds at more favorable interest rates, while lower creditworthiness results in higher borrowing costs due to increased risk.
Creditworthiness factors
Creditworthiness is assessed by credit rating agencies, which assign ratings based on various factors, such as:
Credit history: A track record of timely repayment and debt management.
Financial stability: Indicators like cash flow, income levels, and asset quality.
Debt levels: The proportion of current debt relative to income or assets.
Strong creditworthiness is essential for securing financing at competitive rates and maintaining financial flexibility, while weak creditworthiness can limit funding options and raise the cost of borrowing for a company.
