MIRA INFORM REPORT

Report Date :

03.01.2011

IDENTIFICATION DETAILS

Name :	A TO Z INTERNATIONAL (PVT) LIMITED

Registered Office :	E-193, Street No. 6, Cavalry Ground, Lahore Cantt

Country :	Pakistan

Year of Establishment :	2005

Com. Reg. No.:	0050355

Legal Form :	Private Limited Company

Line of Business :	Import Export, Indenting & Trading of Rice, Commodities, Food Products etc

RATING & COMMENTS

MIRA’s Rating :

RATING		STATUS	PROPOSED CREDIT LINE
41-55	Ba	Overall operation is considered normal. Capable to meet normal commitments.	Satisfactory

Status :	Satisfactory

Payment Behaviour :	No Complaints

Litigation :	Clear

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

ECGC Country Risk Classification List – June 30, 2010

Country Name

Previous Rating

(01.04.2010)

Current Rating

(30.06.2010)

Pakistan

Risk Category	ECGC Classification
Insignificant	A1
Low	A2
Moderate	B1
High	B2
Very High	C1
Restricted	C2
Off-credit	D

Business Name

A TO Z INTERNATIONAL (PVT) LIMITED

Full Address

Registered Address

E-193, Street No. 6, Cavalry Ground, Lahore Cantt, Pakistan

Tel #	92 (42) 36650651, 36651486, +923058474075
Fax #	92 (42) 36651486
Email	atoz@lcci.com.pk

Short Description Of Business

a.	Nature of Business	Import Export, Indenting & Trading of Rice, Commodities, Food Products etc
b.	Year Established	2005
c.	Registration #	0050355

Branches

None

Auditors

Inaam-Ul-Haq & Co.

(Chartered Accountants)

Legal Status

Subject Company was established as a Private Limited Company in 2005

Authorized Capital	Rs. 100,000/- divided into 1,000 shares of Rs. 100/- each
Issued & Paid up Capital	Rs. 100,000/- divided into 1,000 shares of Rs. 100/- each

Details of Directors

Names

Address

Occupation

Designation

Mr. Muhammad Ashan Malik

Mr. Muhammad Asad Malik

Mr. Lala Rukh Malik

E-193, Street No. 6, Cavalry Ground, Lahore Cantt

Business

Chief Executive

Director

Shareholders

Names

No. of Shares

Mr. Muhammad Ashan Malik

Mr. Muhammad Asad Malik

Mr. Lala Rukh Malik

950

Associates

A. Subsidiary

None

B. Associated Companies

- Do -

Business Activities

Subject Company is engaged in the business as import export, indenting & trading of Rice, Commodities & Food Products etc.

It purchases raw material against L/C, D/A basis.

It sells against credit basis to its local customers.

It’s mainly import from China, India, Vietnam, Australia & Canada.

Its’ major customers are Trading Companies, Buying Agencies etc.

Subject operates from caption leased office premises of area measuring 400 Sq ft. which is situated at commercial area.

Subject employs about 5 persons in its set up.

Annual Sales Volume

Year	In Pak Rupees
2009	8,000,000/- (Estimated)

Trade Suppliers

(Foreign)

Subject mainly import from Companies belongs to China, India, Vietnam, Australia & Canada

Bankers

· Habib Bank Limited, Pakistan.

· MCB Bank Limited, Pakistan.

· Faysal Bank Limited, Pakistan.

· United Bank Limited, Pakistan.

Memberships

· Lahore Chamber of Commerce & Industry.(LCCI)

Foreign Exchange Rates

Currency	Unit	Pakistani Rupee
US Dollar	1	Rs. 85.60
UK Pound	1	Rs. 132.15
Euro	1	Rs. 112.00

Comments

Subject Company was established in 2005 and is engaged in import, export, indenting & trading business. Trade relations are reported as fair. Subject can be considered for normal business dealings at usual trade terms and conditions.

FOREIGN EXCHANGE RATES

Currency	Unit	Indian Rupees
US Dollar	1	Rs.44.81
UK Pound	1	Rs.59.81
Euro	1	Rs.69.29

RATING EXPLANATIONS

RATING		STATUS	PROPOSED CREDIT LINE
>86	Aaa	Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums	Unlimited
71-85	Aa	Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums	Large
56-70	A	Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums	Fairly Large
41-55	Ba	Overall operation is considered normal. Capable to meet normal commitments.	Satisfactory
26-40	B	Capability to overcome financial difficulties seems comparatively below average.	Small
11-25	Ca	Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity	Limited with full security
<10	C	Absolute credit risk exists. Caution needed to be exercised	Credit not recommended
----	NB	New Business	----

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

Financial condition (40%) Ownership background (20%) Payment record (10%)

Credit history (10%) Market trend (10%) Operational size (10%)

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.