A table appended to an Indian credit rating press release that maps each rated bank facility to the named bank providing it, with the sanctioned amount against each line.
It appears under several names depending on the agency — Annexure II, Details of instruments/facilities, Lender-wise details, or sometimes as an unlabelled trailing table. All refer to the same artefact.
What it contains
A typical row carries the lender’s name, the facility type (cash credit, term loan, bank guarantee, letter of credit), the sanctioned amount, and the rating assigned to that line. Proposed or unallocated limits often appear as their own row, sometimes with no lender named against them.
Why it exists
The reason is prudential rather than informational. A bank loan rating is used by the lending bank to assign a risk weight for capital computation, so the rating has to be attributable to a specific facility of a specific lender. Naming the lender is what makes the rating usable for the purpose it was commissioned for.
In October 2022 the RBI addressed the fact that lender details were missing from a large number of press releases issued by external credit assessment institutions, attributing this to the absence of the requisite borrower consent, and ruled that a bank loan rating without that disclosure shall not be eligible for being reckoned for capital computation by banks, with effect from 31 March 2023. (RBI/2022-23/125, 10 October 2022)
What it does and does not tell you
It tells you which banks are named on the rated facilities, the type of each facility, and the sanctioned amount, as at the rating action date.
It does not tell you the outstanding balance, the current position, or any lending relationship outside the rated facilities.
Availability varies sharply by agency
Publication depends on borrower consent, and the resulting share differs far more between agencies than most readers expect. Across our corpus, 46.2% of rating actions carry at least one lender row — Acuité 92.0%, Infomerics 66.6%, Brickwork 59.2% (from a base of only 76 rating actions), CARE 52.4%, CRISIL 46.0%, ICRA 43.3%, and India Ratings 0.0%, the last being genuine non-publication of the lender dimension rather than a parsing gap. All figures as at 29 August 2026.
Related
- Bank loan rating — the rating the annexure is attached to
- Consortium lending — one way the named lenders may be arranged
- Multiple banking — the other, and the one you cannot infer
- How to read a rating press release — the annexure in context
- Data limits — why counts built on annexures are floors
- Glossary index