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96GUARDIAN MEDIA LIMITED AND ITS SUBSIDIARIESNOTES TO THE CONSOLIDATED FINANCIAL STATEMENTSFOR THE YEAR ENDED 31 DECEMBER 201526. Risk management (continued)Credit risk (continued)Credit quality per category of fnancial assetThe credit quality of the balances due from the Group%u2019s various counterparties are internally determined from an assessment of each counterparty based on a combination of factors.These factors include fnancial strength and the ability of the counterparty to service its debts, the stability of the industry or market in which it operates and its proven track record with the Group. The categories defned are as follows:Superior: This category includes balances due from Government and Government agencies and balances due from institutions that have been accorded the highest rating by an international rating agency or is considered to have the highest credit rating. These balances are considered risk free.Desirable: These are balances due from counterparties that are considered to have good fnancial strength and reputation.Acceptable: These are balances due from counterparties that are considered to have fair fnancial strength and reputation.Sub%u2013standard: Balances that are impaired.The table below illustrates the credit quality of the Group%u2019s fnancial assets as at 31 December:Superior Desirable Acceptable Sub%u2013standard Total$ $ $ $ $2015 9,784 94,416 40,595 7,199 151,9942014 11,516 110,912 31,277 6,962 160,667(Expressed in Thousands of Trinidad and Tobago Dollars, except where otherwise stated)(Continued)