MIRA INFORM REPORT

 

 

Report Date :           

17.04.2012

 

IDENTIFICATION DETAILS

 

Name :

STENTA FILMS (MALAYSIA) SENDIRIAN BERHAD

 

 

Formerly Known As :

UPREACH SDN. BHD.

 

 

Registered Office :

C/O Symphony Corporatehouse Sdn. Bhd., Level 8, Symphony House, Pusat Dagangan Dana 1, Jalan Pju 1a/46, Petaling Jaya, Selangor Darul Ehsan, Zip/Postal Code 47301

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2010

 

 

Date of Incorporation :

04.05.1989

 

 

Com. Reg. No.:

181796-T

 

 

Legal Form :

Private Company Limited By Shares

 

 

Line of Business :

Manufacturing and distribution of flexible packaging materials.

 

 

No. of Employees :

250

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Maximum Credit Limit :

USD 3,000,000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually Correct

 

 

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 – March 31st, 2012

 

Country Name

Previous Rating

                   (31.12.2011)                  

Current Rating

(31.03.2012)

Malaysia

a2

a2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 Bottom of Form

Identification details  Bottom of Form

 

 

Verified Address

Subject name :              STENTA FILMS (MALAYSIA) SENDIRIAN BERHAD

 

Business address :        Lot 10, Jalan P/10

Kawasan Perusahaan Seksyen 10

Bandar Baru Bangi

Town : Kajang

Province :                      Selangor Darul Ehsan

Zip/postal code :            43650

Country :                       Malaysia

Tel :                              +60 3 89243388

Fax :                             +60 3 89253907

Email :                          sales@stenta.po.my

Website :                      www.stentafilms.com.my

 

Registered address :      C/o SYMPHONY CORPORATEHOUSE SDN. BHD.

Level 8, Symphony House

Pusat Dagangan Dana 1

Jalan PJU 1A/46

Town :                           Petaling Jaya

Province :                      Selangor Darul Ehsan

Zip/postal code :            47301

Country :                       Malaysia

 

Summary details

 

Executive Summary

Date founded or registered :        04/05/1989

Legal form :                               Private Company Limited By Shares

Chief executive :                        Ngoei Boon Liong

Issued & paid up capital :           MYR 61,000,000

Sales turnover :              MYR 134,219,133 (Non-consolidated 12 months, 31/12/2010)

Net income :                              MYR 15,329,132 (Non-consolidated 12 months, 31/12/2010)

Total fixed assets :                     MYR 197,523,957 (Non-consolidated 12 months, 31/12/2010)

Line of business :                       Manufacturing and distribution of flexible packaging materials.

Staff employed :                         250 employees

 

 

Credit risk opinion

 

Company Analysis

Country risk :                             Country risk is minimal

Operation trend                          Operational trend is levelling off

Management experience :           Management is adequately experienced

Financial performance :              Financial performance is good

Organization structure :              Organizational structure is consistent

Detrimental :                              No detrimental records found

Payment history :                      No payment delays noted

Credit amount suggestion :         USD 3,000,000

Credit amount asked :                Not described.

 

 

Statutory details

 

Registry Data

Registration date :          04/05/1989

Legal form :                   Private Company Limited By Shares

Registration no              181796-T

Registered authority :     Companies Commission of Malaysia

Registry status :                        Live/Active

Previous name :                         The Subject was established under the name UPREACH SDN. BHD. and

changed to the current style on 06-11-1989.

Change of legal form :     None reported.

 

 

Management / directors

 

Key Management

Name :              Ngoei Boon Liong

Designation :     Managing Director

 

Name :              Wong Kok Hwa

Designation :     General Manager

 

 

Board of directors / other appointments

 

Appointments

Name :                          Ngoei Boon Liong

Designation :                 Director

Identification no :            0158648C

Appointment date :         17/09/91

Address :                      305 Upper East Coast Road

Singapore 466443

Singapore

 

Name :                          Syed Abdullah Bin Syed Abd Kadir

Designation :                 Director

Identification no :            540214-01-5441

Appointment date :         01/10/99

Address :                      59, Lakeview Bungalows

Saujana Resort

Section U2

40150 Shah Alam

Selangor Darul Ehsan

Malaysia

 

Name :                          Mirzan Bin Mahathir

Designation :                 Director

Identification no :            581126-02-5595

Appointment date :         17/12/92

Address :                      26 Lorong Kota Dua

Bukit Ledang

50480 Kuala Lumpur

Wilayah Persekutuan

Malaysia

 

Name :                          Wong Kok Yong

Designation :                 Director

Identification no :            610418-10-6653

Appointment date :         22/04/10

Address :                      42, Jalan BU 3/4

Bandar Utama

47900 Petaling Jaya

Selangor Darul Ehsan

Malaysia

 

Name :                          Shah Hakim @ Shahzanim Bin Zain

Designation :                 Director

Identification no :            650225-07-5439

Appointment date :         22/04/10

Address :                      32, Jalan Chelagi

Damansara Heights

50490 Kuala Lumpur

Wilayah Persekutuan

Malaysia

 

Name :                          Wilson Pribadi

Designation :                 Director

Identification no :            B663420

Appointment date :         18/10/91

Address :                      Jl. HOS Cokroaminoto No. 24

Pondok Indah

Jakarta

Indonesia

 

Name :                          Andry Pribady

Designation :                 Director

Identification no :            S005696

Appointment date :         22/04/10

Address :                      Jl Sekolah Duta I/14-16

Rt.002/014, Kel. Pondok Pinang, Kec.

Kebayoran Lama

Jakarta Selatan

Indonesia

 

Name :                          Wong Siew Yeen

Designation :                 Company Secretary

Identification no :            700305-05-5166

Appointment date :         28/02/11

Address :                      No. 3, Jalan SS 15/5E

Subang Jaya

47500 Petaling Jaya

Selangor Darul Ehsan

Malaysia

 

Name :                          Cheong Choon Yin

Designation :                 Company Secretary

Identification no :            711103-03-5216

Appointment date :         22/09/08

Address :                      No. 11, Jalan USJ 3/4J

Subang Jaya

47600 Petaling Jaya

Selangor Darul Ehsan

Malaysia

 

Staff employed :             250 employees

 

Key Advisors

Auditors :                      ERNST & YOUNG

Level 23A, Menara Milenium

Jalan Damanlela

Pusat Bandar Damansara

Damansara Heights

50490 Kuala Lumpur

Wilayah Persekutuan

 

 

Share capital

 

Composition

Authorized Capital :        MYR 65,000,000

No of shares :                64,000,000 Ordinary Shares / 1,000,000 7% Cumulative Redeemable Preference

Shares

Share par value :            MYR 1

Issued capital :              MYR 61,000,000

Paid up capital :             MYR 61,000,000

 

 


ownership / shareholders

 

How listed :                   Full List

 

Composition

Shareholder name :        Low Geoff Jin Wei

Address :                      A-13-03 Kiaramas Ayuria

9 Jalan Kiara 7

Bukit Kiara

50480 Kuala Lumpur

Wilayah Persekutuan

Malaysia

No. of shares :               1,000,000 Ordinary Shares

 

Shareholder name :        RENTAK RIMBUN SDN. BHD.

Address :                      No. 16-1, Tingkat 1

Jalan 1176C Desa Pandan

55100 Kuala Lumpur

Wilayah Persekutuan

Malaysia

No. of shares :               41,000,000 Ordinary Shares

 

Shareholder name :        PT ARGHA KARYA PRIMA INDUSTRY TBK

Address :                      Jl Pahlawan, Karang Asem Barat

Citeureup, Bogor 16810

Indonesia

No. of shares :               14,000,000 Ordinary Shares

 

Shareholder name :        Lim Koy Peng

Address :                      9988 Lorong Penghulu Abbas

Bukit Baru

75150 Melaka

Malaysia

No. of shares :               1,000,000 Ordinary Shares

 

Shareholder name :        Wong Soon Lim

Address :                      P13-03 Gold Mansion

Pangsapuri Pasir Emas

Ujong Pasir

75050 Melaka

Malaysia

No. of shares :               1,000,000 Ordinary Shares

 

Shareholder name :        Ngoei Boon Liong

Address :                      305 Upper East Coast Road

Singapore 466443

Singapore

No. of shares :               1,000,000 Ordinary Shares


Shareholder name :        Low Chung Kuay

Address :                      250 Putra Heights

Jalan Pengkalan Batu

75150 Melaka

Malaysia

No. of shares :               1,000,000 Ordinary Shares

 

Shareholder name :        Che Azizuddin Bin Che Ismail

Address :                      118, Jalan Cengal Pasir

Sierramas

47000 Sungai Buloh

Selangor Darul Ehsan

Malaysia

No. of shares :               1,000,000 Ordinary Shares

 

 

Related companies & corporate Affiliations

 

Structure

Name :                          RENTAK RIMBUN SDN. BHD.

Affiliation type :              Parent Company

Address :                      No. 16-1, Tingkat 1

Jalan 1176C Desa Pandan

55100 Kuala Lumpur

Wilayah Persekutuan

Malaysia

 

Name :                          PT ARGHA KARYA PRIMA INDUSTRY TBK

Affiliation type :              Shareholder

Address :                      Jl Pahlawan, Karang Asem Barat

Citeureup, Bogor 16810

Indonesia

Comments :                  PT Argha Karya Prima Industry, Tbk engages in the production and distribution of flexible packaging of films. The company offers a range of synthetic polymer products, such as biaxially oriented poly propylene films, polyester films, cast poly propylene films, and poly acrylonitrile films. Its products are used for packaging in the cigarette, food, and cosmetics industries, as well as for confectionery and printing applications. The company also involves in marketing and trading of films products. It sells its products under the brand names of Arlene, Areta, and Arcylene in Asia, the Middle East, the United States, Europe, Australia, New Zealand, and Africa. The company was founded in 1980 and is headquartered in  Bogor, Indonesia.

 

Name :                          INTERNATIONAL RESOURCES (H.K.) LIMITED

Affiliation type :              Associate

Address :                      Room 1-2, 16/F Remington Centre

23 Hung To Road, Kwun Tong

Kowloon

Hong Kong


Name :                          INTERNATIONAL RESOURCES CORP.

Affiliation type :              Associate

Address :                      5239 W.Woodmill Drive, Suite 49

Wilmington DE 19808

United States

 

 

Bank & mortgages

 

Bank Details

Name of bank :              Malayan Banking Berhad (Maybank)

Address :                      Malaysia

Account details :            Current Account

 

Comments : It is generally not the policy of local banks to provide credit status information to non related parties, however interested parties would be advised to consult first with the Subject if banker's references are required.

 

Mortgages :

 

Total of Charge: 53,000,000.00

Date of Creation: 30-03-1992

Name of Chargee: BUMIPUTRA MERCHANT BANKERS BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 15,000,000.00

Date of Creation: 16-11-1992

Name of Chargee: MALAYAN BANKING BHD

Charge Status: FULLY SATISFIED

 

Total of Charge: 15,000,000.00

Date of Creation: 16-11-1992

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: FOREIGN CURRENCY

Date of Creation: 21-08-1993

Name of Chargee: BBMB INTERNATIONAL BANK L LTD

Charge Status: FULLY SATISFIED

 

Total of Charge: 4,500,000.00

Date of Creation: 31-10-1994

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 20,000,000.00

Date of Creation: 29-04-1995

Name of Chargee: BUMIPUTRA MERCHANT BANKERS BERHAD

Charge Status: FULLY SATISFIED


Total of Charge: 25,000,000.00

Date of Creation: 29-04-1995

Name of Chargee: DCB BANK BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 90,000,000.00

Date of Creation: 26-08-2003

Name of Chargee: ABRAR DISCOUNTS BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 35,000,000.00

Date of Creation: 26-08-2003

Name of Chargee: RHB BANK BERHAD

Charge Status: FULLY RELEASED

 

Total of Charge: 115,000,000.00

Date of Creation: 26-08-2003

Name of Chargee: ABRAR DISCOUNTS BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 90,000,000.00

Date of Creation: 26-08-2003

Name of Chargee: ABRAR DISCOUNTS BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 90,000,000.00

Date of Creation: 26-08-2003

Name of Chargee: ABRAR DISCOUNTS BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 90,000,000.00

Date of Creation: 26-08-2003

Name of Chargee: ABRAR DISCOUNTS BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 3,000,000.00

Date of Creation: 03-04-2006

Name of Chargee: RHB BANK BERHAD

Charge Status: FULLY RELEASED

 

Total of Charge: 25,000,000.00

Date of Creation: 26-08-2010

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 25,000,000.00

Date of Creation: 26-08-2010

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: FULLY RELEASED


Total of Charge: 25,000,000.00

Date of Creation: 26-08-2010

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 30,000,000.00

Date of Creation: 14-06-2011

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 30,000,000.00

Date of Creation: 14-06-2011

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 55,000,000.00

Date of Creation: 27-07-2011

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 30,000,000.00

Date of Creation: 27-07-2011

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 55,000,000.00

Date of Creation: 27-07-2011

Name of Chargee: MALAYAN BANKING BERHAD

Charge Status: UNSATISFIED

 

Legal Fillings

Bankruptcy fillings :        None reported.

Court judgements :         None reported.

Tax liens :                     None reported.

Others :                        None reported.

 

 

financial data

 

Description

Source of financial statement :    Commercial Registry Filings

Financial statement date :          31/12/10

Type of accounts :                     Full audited

Currency : Malaysia,                  Ringgit (MYR)

Exchange rate :                         1 USD = MYR 3.07 as of 17-04-2012


Summarized Financial Information

Consolidation type :                   Non Consolidated                       Non Consolidated

Currency :                                 Malaysia, Ringgit (MYR)             Malaysia, Ringgit (MYR)

Denomination :                          (x1) One                                    (x1) One

Date of financial year end :          31/12/10                                    31/12/09

Length of accounts :                   12 months                                 12 months

Sale turnover / Income : 134,219,133                              134,914,081

Gross profit :                             29,272,718                                33,566,258

Profit before tax :                       9,632,195                                  12,443,863

Net income :                              15,329,132                                11,560,116

Non current assets :                   128,039,720                              129,092,085

Current assets :                         69,484,237                                68,187,889

Inventories :                               18,299,534                                12,224,345

Total assets :                            197,523,957                              197,279,974

Current liabilities :                      62,179,938                                111,944,738

Non current liabilities :                11,586,148                                17,906,497

Total liabilities :                          73,766,086                                129,851,235

Share equity :                            123,757,871                              67,428,739

Retained earning :                      36,043,471                                20,714,339

 

 

Operation details

 

Main activities :              The Subject is engaged in manufacturing and distribution of flexible packaging materials

for industrial use and consumer goods products.

 

Product & services :

·         Arlene OPP Film

·         Avin PVC Film

·         Arex Acrylonitrate Film

·         Areta PET Film

·         Arcylene Cast PP Film

 

Purchases

International :                 Asian countries

 

Sales

Local :              Yes

International :     Worldwide

Key events :      7 September 2011

 

MEMORANDUM OF UNDERSTANDING

 

Description :Emivest Berhad (“Emivest” or Company”) Memorandum of understanding in relation to the proposed acquisition by Emivest of the entire issued and paid-up share capital of Stenta Films (Malaysia) Sendirian Berhad (“Stenta”) (“Proposed Acquisition”) (“MOU”)

 

The Board of Directors of Emivest wishes to announce that the MOU had been mutually terminated by all parties to the MOU in view that the conditional definitive agreement for the Proposed Acquisition had not been entered into prior to the extraordinary general meeting for the Proposals as the parties are unable to reach an amicable agreement on the terms of the definitive agreement to be entered into for the Proposed Acquisition. In view thereof and subject to the completion of the Proposals, an application will be submitted to Bursa Malaysia Securities Berhad (“Bursa Securities”) to de-list Emivest from the official list of Bursa Securities. This announcement is dated 7 September 2011.

 

28 April 2011

Company Name: EMIVEST BERHAD

 

MEMORANDUM OF UNDERSTANDING

 

Description: Emivest Berhad (“Emivest” or Company”)

 

Memorandum of Understanding in relation to the Proposed Acquisition by Emivest of the Entire Issued and Paid-up Share Capital of Stenta Films (Malaysia) Sendirian Berhad (“Stenta”)

 

Announcement Details/Table Section:

We wish to announce that the Company has today entered into a memorandum of understanding (“MOU”) with certain shareholders of Stenta namely Rentak Rimbun Sdn Bhd (“RRSB”), Ngoei Boon Liong (“NBL”) and P.T. Argha Karya Prima Industry (“P.T. Argha”) (who collectively hold 56,000,000 ordinary shares of RM1.00 each representing 91.8% shareholding in Stenta), in relation to the proposed acquisition by the Company from all shareholders of Stenta (collectively “Sellers”), of the entire issued and paid-up share capital of Stenta for a purchase consideration of RM123,000,000 to be adjusted (if necessary) following the completion of the due diligence on Stenta by Emivest (“Consideration”), to be satisfied by the issuance to the Sellers proportionately to their shareholding in Stenta such number of ordinary shares of RM0.50 each in Emivest (“Emivest Shares” or “Shares”) at an issue price of RM0.50 per share such that the aggregate issue price is equivalent to the  Consideration (“Consideration Shares”) (“Proposed Acquisition”). Upon the allotment of the Consideration Shares, the Sellers will, in proportion to the Consideration Shares received by them, transfer such number of Shares equivalent to 2% of the Consideration Shares, free of charge, to the existing shareholders of Emivest in proportion to their shareholdings.

 

Stenta is a company incorporated in Malaysia on 4 May 1989 under the Companies Act, 1965. The principal activities of Stenta are the manufacture and sale of flexible packaging materials.

 

Property & Assets

Premises :                    The Subject operates from premises located at the verified heading address consisting of

production facilities, warehouse and administrative office.

Branches :                    None reported.

 

Other property : Total NBV of property, plant and equipment as of 31-12-2010 was MYR 121,220,257.

 

 


Summarized country risk

 

Gross Domestic Products (GDP) & Economic Overview

 

Central bank                                          :   Central Bank of Malaysia

 

Reserve of foreign exchange & gold         :   US$135.7 billion as of 31 March 2012

Gross domestic product - GDP               :   US$ 247.781 billion

 

GPP (Purchasing power parity)               :   442.01 billion of International dollars

 

GDP per capita - current prices               :   US$ 8,624

 

GDP - composition by sector                  :   agriculture: 10.2% industry: 42.1% services: 47.8%

 

Inflation                                                 2008: 5.4%

2009: 0.6%

2010: 1.7%

2011: 2.8%

 

Unemployment                                      2008 : 3.3 %

2009 : 3.6 %

2010: 3.3 %

2011: 3.2%

Public debt

(General Government gross

debt as a % GDP)                                  2008: 42.8  %

2009: 55.4 %

2010:   54.2%

 

Government bond ratings                        Standard & Poor's: A-/Stable/A-2

Moody's rating: A3

Moody's outlook: STA

 

Market value of publicly traded shares      US$ 420 billion

 

Largest companies in the country           :   CIMB Group Holdings (Banking), Sime Darby (Conglomerates), Public Bank (Banking), Maybank (Banking), Tenaga Nasional(Utilities), Petronas Chemicals, Maxis Berhad

 

 

 

 

Trade & Competitiveness Overview

Total exports                                         US$210.3 billion

 

Exports commodities                             electronic equipment, petroleum and liquefied natural gas, wood and

wood products, palm oil, rubber, textiles, chemicals

 

Total imports                                         US$156.2 billion

 

Imports commodities                              electronics, machinery, petroleum products, plastics, vehicles, iron and

steel products, chemicals

 

Export - major partners                           US 15.6%, Singapore 14.6%, Japan 9.1%, China 8.8%, Thailand 5%,

HongKong 4.6%

 

Import - major partners                           Japan 13%, China 12.9%, Singapore 11.5%, US 10.8%, Taiwan 5.7%,

Thailand 5.3%, South Korea 4.9%, Germany 4.6%, Indonesia 4.2%

 

FDI Inflows                                            2007: US$8,538 million

2008: US$7,318 million

2009: US$1,381 million

 

FDI Outflows                                          2007: US$11,280 million

2008: US$14,988 million

2009: US$8,038 million

 

Best countries for doing business            21 out of 183 countries

 

Global competitiveness ranking               21 (ranking by country on a basis of 142, the first is the best)

 

Country and Population Overview

Total population                                    : 28.23 million

Total area                                             : 329,847 km2

Capital                                                 :  Kuala Lumpur

Currency                                                                                                      :   Malaysia Ringgits (MYR)

Internet users as % of total population      : 55.3%

 

 

Payment history

 

Purchase Term

Local :              Prepayment, Bank transfer, Document against payment, Credit up to 120 days

International :     L/C, Telegraphic transfer, Document against payment, Credit up to 120 days

 

Sales Term

Local :              Prepayment, Bank transfer, Document against payment, Credit up to 120 days

International :     L/C, Telegraphic transfer, Document against payment, Credit up to 120 days

 

Trade Reference/ Payment Behaviour

Comments :      As local and international trade references were not supplied, the Subject's payment track record history cannot be appropriately determined but based on our research, payments are believed to be met without delay.

Investigation Note

Sources :                      Interviews and material provided by the Subject

Other official and local business sources

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.51.66

UK Pound

1

Rs.81.80

Euro

1

Rs.67.18

 

 

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%)

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

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