MIRA INFORM REPORT

 

 

Report Date :

24.04.2012

 

IDENTIFICATION DETAILS

 

Name :

MIWON COMMERCIAL CO., LTD.

 

 

Registered Office :

Miwon Bldg., 405-3, Mongnae-dong, Danwon-gu, Ansan-si, Gyeonggi-do, Korea

 

 

Country :

South Korea

 

 

Financials (as on) :

21.12.2011

 

 

Date of Incorporation :

03.11.1959

 

 

Com. Reg. No.:

134-81-02843

 

 

Legal Form :

Listed Company

 

 

Line of Business :

Manufacture of Surface-Active Agents

 

 

No. of Employees :

301

 

 

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

 

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 – September 30, 2011

 

Country Name

Previous Rating

(31.12.2011)

Current Rating

(31.03.2012)

South Korea

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Basic

 

Company Name

MIWON COMMERCIAL CO., LTD.

(Korean Company Name : “미원상사()”)

Registered Address

405-3, Mongnae-dong, Danwon-gu, Ansan-si, Gyeonggi-do, Korea

Building

Miwon Bldg.

Zip Code

425-100

Tel

+82-31-491-6249

Fax

+82-31-491-7228

E-mail

pcbu@mwc.co.kr;pibu@mwc.co.kr;scbu@mwc.co.kr

Website

www.mwc.co.kr

Trading Address

Miwon Bldg., 405-3, Mongnae-dong, Danwon-gu, Ansan-si, Gyeonggi-do, Korea (P.O.BOX 23)

Tel

+82-31-491-6249

Fax

+82-31-491-7228

Other Address-Jeonju Factory

13B, Jeonju Industrial Complex, 834, Yongam-ri, Bongdong-eup, Wanju-gun, Jeollabuk-do, Korea

Tel

+82-63-261-6730

Fax

+82-63-261-6734

Other Address-Ulsan Factory

410-1, Maeam-dong, Nam-gu, Ulsan, Korea

Tel

+82-52-261-7988

Fax

+82-52-269-8413

Other Address-Banwol Factory

7-Block-12, Banwol Industrial Zone, 405-3, Moknae-dong, Danwon-gu, Ansan-si, Gyeonggi-do, Korea

Tel

+82-31-491-6249

Fax

+82-31-491-7228

Other Address-Jochiwon Factory

656, Wolsan-ri, Nam-myeon, Yeongi-gun, Chungcheongnam-do, Korea

Tel

+82-41-865-8071

Fax

+82-41-865-8072

Other Address-Anyang Office

325-1, Seoksu-dong, Manan-gu, Anyang-si, Gyeonggi-do, Korea

Tel

+82-31-472-9231

Fax

+82-31-472-9234

Type

Export/Import

Industry

Manufacture of Surface-Active Agents

  Main Business

Surface Active Agent, Sensitizer, Sulfur, Sulfuric Acid, Coating Material Admixture, Plastic Admixture, Rubber Admixture

  Sub Business

 

Established (mm/dd/yyyy)

11/03/1959

The subject owns the premises of registered HQ address, Jeonju Factory, Ulsan Factory, Banwol Factory, Jochiwon Factory and Anyang Office.

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Photographic processing chemicals(45141500)

Sell

Inorganic compounds(12352300)

Sell

Cationic friction reducers(12162802)

Sell

Surfactants(12161900)

Sell

Wetting agents(12161906)

Sell

Inorganic acids(12352301)

Sell

Emulsions(12161804)

 

 

CEO’s

 

Name

Kim Jung-Don

Address

 

Date of Birth

01/01/1954

Title

President & CEO

Sex

Male

Nationality

Korean

 

 

Profiles

 

Capital (KRW)

9,871,100,000

Employees

301

Formation

Listed Company (Korea Stock Exchange: 002840) as of 09/25/1989

A Company of MIWON COMMERCIAL GROUP

Bank Details

Hana Bank- Pyeongchon Branch

Kookmin Bank

Woori Bank

Korea Exchange Bank

Corporate Registered No.

130111-0007707

Business Registered No.

134-81-02843

Permit & Licenses

05/1999 ISO 9002

10/1999 ISO 9002

 

Int’l Trade No.: 840239

Shareholder Position

Name

Shares

%

KIM JUNG-DON

159,138

18.54

JUNG KYUNG-SOON

25,348

2.95

KIM SO-YOUNG

24,377

2.84

KIM TAE-JOON

23,212

2.70

YOON BONG-HWA

25,433

2.96

KIM HYUNG-WOONG

20,827

2.43

KIM MYUNG-JA

42,591

4.96

KIM MYUNG-HEE

39,351

4.58

MISUNG TRADING CO., LTD.(134111-0025929)

30,339

3.53

MISUNG TOTAL CORPORATION

18,549

2.16

OTHERS

449,308

52.34

TOTAL

858,473

100.00

Company History

11/04/2008 Decided to spin off Specialty Chemicals BU

11/04/2008 Decided to change the financial closing date to December 31 from September 30.

04/2005 Executed Increase of capital stock without consideration (Increased the capital to KRW 13,324 million)

11/2004 Awarded the " 50 Million US dollar Export Achievement Tower"

10/2004 Constructed Jochiwon factory

11/2002 Awarded the " 30 Million US dollar Export Achievement Tower"

09/2002 Achieved the Annual Sales to USD 100 million

05/2000 Completed Photo Sensitizer Production Line in Jeonju factory

10/1999 Acquired ISO 9002 certification in Ulsan and Banwol factory

05/1999 Acquired ISO 9002 certification in Jeonju factory

11/1998 Trasferred Paint Additive Producton Line in Banwol factory to Jeonju factory

06/1998 Established QIDONG QINGYUN FINE Chemical Co., Ltd in China

04/1997 Constructed Monomer Production Line in Jeonju factory

04/1996 Established Joint Venture Co. (Asia Stabilizers Co., Ltd) with CHEMTURA USA

03/1995 Constructed Jeonju factory and started PP foam production for stationery

09/1994 Awarded "Jang Young Shil Award"

09/1994 Started Photo Sensitizer Production in Banwol factory

04/1994 Completed FRU in Ulsan factory

05/1993 Constructed Pyongtaek factory

11/1992 Awarded "10 Million US dollar Export Achievement Tower"

03/1992 Completed MINOL production in Banwol factory

07/1990 Completed MIANTO production In Banwol factory

09/1989 Listed the stocks in Korea Stock Exchange

09/1989 Increased the capital to KRW 8,000 million

02/1989 Started SLS Powder production in Banwol factory

12/1987 Acquired Permission of manufacturing Pharmaceutical Ingredients

12/1987 Constructed Anyang Head Office building

11/1986 Established R & D Institute in Banwol factory

12/1985 Started Paint Additive Production in Banwol factory

12/1982 Completed Banwol factory (Transferred from Incheon factory)

12/1980 Increased the capital to KRW 1,000 million

11/1977 Formed the Employee's Stock Ownership Association (ESOA)

07/1976 Completed Surfactant Plant in Inchon factory

10/1975 Completed Ulsan factory (manufacturing sulfuric acid and other chemical products)

11/1971 Completed Alkyl Benzene Sulfonic Acids Plant in Inchon factory

04/1967 Started Sulfur Power Production

05/1963 Constructed Inchon factory (manufacturing sulfuric acid and other chemical products)

11/1959 Established Miwon Commercial Co., Ltd. With a capital of 20 million Hwan


Detailed Information

 

Management

 

Job Description

Title

Name

Nationality

Date of Birth

Education

President & CEO

Mr.

Kim Jung-Don

Korean

1954.01.01

Seoul National University, Korea

Sr. Executive Director & CEO

Mr.

Hong Chang-Sik

Korean

1959.10.10

Seoul National University, Korea

Director

Mr.

Kim Hyung-Woong

Korean

1956.01.20

Korea University, Korea

Sr. Executive Director

Mr.

Yang Jong-Sang

Korean

1955.10.26

Hongik University, Korea

Outside Director/Auditor

Mr.

Lee Sang-Hoon

Korean

1969.03.15

Seoul National University, Korea

Outside Director/Auditor

Mr.

Sul Yong-Keon

Korean

1954.05.03

Yonsei University, Korea

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

(*)2011

132,396,136,000

124,382,606,000

13,015,171,000

(*)2010

108,401,241,000

156,030,097,000

19,157,407,000

12/2009

91,151,024,829

123,674,409,987

17,563,986,646

12/2008

     38,071,004,864

161,981,960,246

      6,405,972,485

(*)2010 and 2011’s figures are based on the K-IFRS Accounting System.

 

Financial Description

 

Authorized Capital(KRW)

20,000,000,000

Paid-Up Capital(KRW)

9,871,100,000

Total Issues Shares

1,309,420

 

 

Balance Sheet

 

Unit : Thousand Korean Won

As of 12/31/2011

As of 12/31/2010

As of 12/31/2009

Total Assets

124,382,606

156,030,097

 

Current Assets

56,569,565

49,494,282

 

Inventories

29,493,335

24,458,165

 

Trade Receivables & Other Receivables

25,503,805

21,651,498

 

Marketable Financial Instruments

36,698

0

 

Current Financial Instruments

0

2,232,385

 

Other Current Assets

638,208

403,943

 

Cash & Cash Equivalents

897,519

748,291

 

Others

0

50,180,265

 

Non-Current Assets

67,813,041

56,355,550

 

Tangibles

41,660,012

37,720,165

 

Intangibles

1,789,215

1,891,405

 

Investment_Real Estates

0

0

 

Investment_Related Companies

9,291,083

9,291,083

 

Investment_Subsidiaries

2,500,001

2,500,001

 

Marketable Financial Instruments

10,347,136

3,652,594

 

Long-Term Trade Receivables & Other Receivables

2,220,594

1,295,302

 

Non-Current Financial Instruments

5,000

5,000

 

Total Liabilities

44,121,509

87,292,983

 

Current Liabilities

33,055,575

64,029,645

 

Trade Payables & Other Payables

13,769,559

47,275,611

 

Short-Term Borrowings

16,150,000

1,800,000

 

Current Portion of Long-Term Debts

2,502,653

12,161,563

 

Accrued Income Tax

0

1,383,672

 

Bonus Salaries

221,914

186,925

 

Other Current Financial Debts

0

107,905

 

Other Current Liabilities

411,449

1,113,969

 

Others

0

16,203,985

 

Non-Current Liabilities

11,065,934

7,059,353

 

Long-Term Borrowings

2,516,985

43,806

 

Confirmed Salaries

1,380,960

941,175

 

Deferred Income Tax Credit

6,151,989

5,050,372

 

Other Non-Current Liabilities

1,016,000

1,024,000

 

Capital Stock

7,616,365

9,871,100

 

Capital Surplus

23,332,271

22,653,924

 

Others

-30,838,037

-34,235,923

 

Installments

1,025,613

2,073,289

 

Profit Surplus

79,124,885

68,374,724

 

Total Equity

80,261,097

68,737,114

 

Liab. & Shareholder’s Equity

124,382,606

156,030,097

 

 

 

Balance Sheet

 

Unit : Korean Won

As of 12/31/2010

As of 12/31/2009

10/01/2008~12/31/2008

Total Assets

152,202,563,291

123,674,409,987

   161,981,960,246

Current Assets

79,901,960,907

61,392,472,294

     90,803,970,791

-Quick Assets

47,762,971,305

38,512,711,827

     48,887,304,872

-Inventories

32,138,989,602

22,879,760,467

     41,916,665,919

Fixed Assets

72,300,602,384

62,281,937,693

     71,177,989,455

-Investment

14,552,147,496

13,125,361,119

     14,879,503,004

-Tangibles

54,700,089,077

45,596,682,051

     53,680,024,406

-Intangibles

83,950,494

275,402,031

         484,502,604

-Others

2,964,415,317

3,284,492,492

      2,133,959,441

Total Liabilities

50,496,539,161

39,996,126,885

     55,827,805,600

Current Liabilities

43,945,942,876

22,570,360,227

     36,515,068,884

Fixed Liabilities

6,550,596,285

17,425,766,658

19,312,736,716

Capital Stock

9,871,100,000

9,824,000,000

     13,324,000,000

Capital Surplus

22,653,923,980

22,061,469,060

21,979,380,730

Profit Surplus

66,640,477,721

85,270,593,838

     69,980,383,192

Capital Adjustment

2,540,522,429

-33,477,779,796

-621,815,677

Total Equity

101,706,024,130

83,678,283,102

   106,154,154,646

Liab. & Shareholder’s Equity

152,202,563,291

123,674,409,987

   161,981,960,246

 

Current Liabilities

43,945,942,876

22,570,360,227

     36,515,068,884

Trade Payables

14,553,170,936

9,887,183,641

    10,292,403,204

Short-Term Borrowings

8,400,000,000

7,700,000,000

    15,900,000,000

Current Portion of Long-Term Debts

12,161,562,760

-

-

Account Payables

4,790,248,570

3,619,685,009

      3,875,870,068

Advance Receipts

106,772,080

273,412,305

          49,897,204

Withholdings

1,066,933,005

289,321,316

         458,225,979

Accrued Expenses

646,517,421

580,981,396

         648,690,465

Accrued Income Tax

1,383,672,151

-

      4,969,240,389

Current Portion of Deferred Income Tax Credit

476,417,059

-

-

Provisions for Bonus

252,743,925

219,776,560

         320,741,575

Currency Swap

107,904,969

-

-

Fixed Liabilities

6,550,596,285

17,425,766,658

19,312,736,716

Long-Term Borrowings

43,806,330

11,774,077,100

    12,797,824,534

Provision for Severance & Retirement

2,254,692,137

3,959,698,014

      5,964,908,659

Long-Term Account Payables

-

-

      1,588,399,808

Guarantee Deposit Withhold

1,154,000,000

1,046,000,000

         610,000,000

Long-Term Withholdings

675,000,000

675,000,000

         675,000,000

Derivatives

-

124,993,859

109,560,199

Deferred Income Tax Credit

3,730,624,285

2,711,401,607

      1,760,515,477

 

 

Income Statement

 

Unit : Thousand Korean Won

As of 12/31/2011

As of 12/31/2010

As of 12/31/2009

Sales

132,396,136

108,401,241

 

Cost of Sold Goods

106,861,118

85,946,811

 

Gross Profit

25,535,018

22,454,430

 

Selling & Admin. Expenses

11,094,075

10,876,861

 

Other Operating Income

1,478,379

1,013,459

 

Other Operating Expenses

1,193,101

768,248

 

Operating Income

14,726,221

11,822,780

 

Finance Income

2,355,962

3,401,357

 

Finance Expenses

1,918,203

2,790,851

 

Net Finance Income

437,759

610,506

 

Income Before Taxes

15,163,980

12,433,286

 

Income Taxes Expenses

2,148,809

2,612,934

 

Income from Continuous Business

13,015,171

9,820,352

 

Income from Stopped Business

0

9,337,055

 

Net Income

13,015,171

19,157,407

 

 

 

Income Statement

 

Unit : Korean Won

As of 12/31/2010

As of 12/31/2009

10/01/2008~12/31/2008

Sales

108,401,240,781

91,151,024,829

     38,071,004,864

Cost of Sold Goods

87,496,057,715

75,572,452,907

     30,058,137,586

Gross Profit

20,905,183,066

15,578,571,922

   8,012,867,278

Selling & Admin. Expenses

11,199,032,894

9,866,967,662

     4,212,038,428

Operating Income

9,706,150,172

5,711,604,260

     3,800,828,850

Non-Operating Income

5,497,520,845

5,180,209,415

4,913,153,018

Non-Operating Expenses

3,541,491,571

5,136,627,298

5,147,678,737

Ordinary Income

11,662,179,446

5,755,186,377

     3,566,303,131

Special Income

2,282,337,399

849,434,971

         374,804,946

Income Before Taxes

9,379,842,047

4,905,751,406

      3,191,498,185

Income Taxes Expenses

9,337,055,046

12,658,235,240

      3,214,474,300

Net Income

18,716,897,093

17,563,986,646

      6,405,972,485

 

 

Cash Flows

 

               Unit : Thousand Korean Won

As of 12/31/2011

As of 12/31/2010

As of 12/31/2009

Operating Activities Cash Flows

10,122,976

23,450,864

 

Cash Flows from Operating

12,287,317

23,773,075

 

Income Taxes

-2,440,082

-834,054

 

Interests Received

85,554

102,261

 

Interests Paid

-1,017,841

-790,945

 

Dividends Received

1,208,028

1,200,527

 

Cash Flows from Investing

-17,939,189

-21,801,158

 

Cash Flows from Financing

7,964,256

-1,246,337

 

Increase/Decrease in Cash

148,043

403,369

 

Cash at the Beginning of Year

748,291

389,740

 

Cash at the End of Year

897,518

748,291

 

 


Cash Flows

 

Unit : Korean Won

As of 12/31/2010

As of 12/31/2009

10/01/2008~12/31/2008

Cash Flows from Operating

22,383,230,481

21,717,776,994

      9,629,738,421

-Net Income

18,716,897,093

17,563,986,646

      6,405,972,485

-Exp. without Cash Outflow

11,189,373,252

10,538,500,658

      5,470,022,007

-Revenue without Cash Inflows

-2,979,406,216

-3,071,653,124

-2,882,154,473

-Changes in Asset/ & Liability

-4,543,633,648

-3,313,057,186

        635,898,402

Cash Flows from Investing

-20,737,745,757

-14,930,910,653

-4,150,992,374)

-Cash Inflow from Investing

3,341,855,988

6,684,430,038

      2,761,937,298

-Cash Outflows for Investing

-24,079,601,745

-21,615,340,691

-6,912,929,672

Cash Flows from Financing

-1,246,337,700

-6,049,325,152

-5,778,056,751)

-Cash Inflows from Financing

93,769,554,920

26,229,907,956

55,860,000,000

-Cash Outflows from Financing

-95,015,892,620

-32,279,233,108

-61,638,056,751)

Increase/Decrease in Cash

399,147,024

-1,623,156,811

       299,310,704

Cash at the Beginning of Year

389,740,347

2,012,897,158

      2,312,207,862

Cash at the End of Year

788,887,371

389,740,347

      2,012,897,158

 

Products, Technologies, Services Description

 

Main Products & Services

Surface Active Agent, Sensitizer, Sulfur, Sulfuric Acid, Coating Material Admixture, Plastic Admixture, Rubber Admixture

 

Performance Chemical Business Unit (PCBU)

- Sulfurs (Sulfur Flake / Granule / Powder

- Sulfuric Acids (Fuming Sulfur Acid, Refined Sulfuric Acid)

- Sulphonic Acids

- Rubber Additives (Vulcanizing agent, Retarder, Accelerators, Antioxidants etc)

 

Personal Care Ingredients Business Unit (PCIBU)

-Hair Care

-Skin Care

-Oral Care

-Home Care

-Peptide & Protein Cosmeceuticals

-Natural Cosmeceuticals

 

Special Chemical Business Unit (SCBU)

-Photo Initiators

-Functional Monomer

-Oligomer

-Epoxy Diluents

 

Electronic Chemical Business Unit(ECBU)

-Photo Active Components

-Raw Materials for Photo Active Components

-Photo Sensitizer for Negative PR

-Raw Materials for Negative PR

 

Polymer Additives Business Unit(PABU)

 

Brand Name: LAS,DBA, MIDAS, TEA, MICOLIN, MIPHOTO, MIRAMER, MIPHOTO, MICURE, MITAINE, LOWILITE

 

 

Trade Partners & Competitors

 

Suppliers

ASIA STABILIZERS CO., LTD.(134711-0016596)

TAEKWANG FINE CHEMICAL CO., LTD.(120111-0052142)

SK ENERGY CO., LTD.( 110111-3710385)

NAMHAE CHEMICAL CORPORATION(110111-0164717)

ISU CHEMICAL CO., LTD.(110111-0008600)

HANNONG CHEMICALS INC(211111-0001090)

LG CHEM LTD.(110111-2207995)

DONG NAM OIL & FATS CO., LTD.(180111-0114544)

 

MITSUI & CO LTD

INTER-CONTINENTAL OI

QINGYUN

BASF

API CORPORATION

Customers

ASIA STABILIZERS CO., LTD.(134711-0016596)

TAEKWANG FINE CHEMICAL CO., LTD.(120111-0052142)

Competitors

HUCHEMS FINE CHEMICAL CORPORATION

5TH FL., KUKDONG BLDG., 60-1, CHUNGMURO 3-GA, JUNG-GU, SEOUL, KOREA

TEL:+82-2-2262-0600  FAX:+82-2-2265-9381

 

COSMO CHEMICAL CO., LTD.

1534-5, SEOCHO 3-DONG, SEOCHO-GU, SEOUL, KOREA

TEL:+82-32-451-6100  FAX:+82-32-451-6119

 

FOOSUNG CO., LTD.

427-9, NOHA-RI, PALTAN-MYEON, HWASEONG-SI, GYEONGGI-DO, KOREA

TEL:+82-31-495-7243  FAX:+82-31-491-1649

 

 

Related Parties (Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates

TAETWANG FINE CHEMICAL CO., LTD.(120111-0052142)

(41.94% held by the subject company)

 

ASIA STABILIZERS CO., LTD.(ASCL: 134711-0016596)

(35.00% held by the subject company)

 

MIWON SPECIALTY CHEMICAL CO., LTD.(210111-0063190)

MIWON COMMERCIAL CO., LTD.(130111-0007707)

MISUNG TRADING CO., LTD.(134111-0025929)

MISUNG TOTAL CORPORATION(180111-0167832)

MIWHA LOGISTICS CO., LTD.(230111-0072014)

MIWOO SILUP CO., LTD.(KOREA)

MIWON EOD CO., LTD.(161411-0023544)

 

QIDONG QINGYUN FINE CHEMICAL CO., LTD.(CHINA)

MIWON NORTH AMERICA. INC.(USA)

Joint Venture

ASIA STABILIZERS CO., LTD.(ASCL: 134711-0016596)

Subsidiary

QIDONG QINGYUN FINE CHEMICAL CO., LTD.-CHINA

(100.00% held by the subject company)

HUIFENG TOWN, QIDONG CITY, JIANSU 226246, CHINA

TEL:+86-513-8369-1040  FAX:+86-513-8369-2388

 

MIWON NORTH AMERICA INC.

(100.00% held by the subject company)

Cooperative Enterprise

-Insured Company

SAMSUNG FIRE & MARINE INSURANCE CO., LTD.(110111-0005078)

HANWHA NON-LIFE INSURANCE CO., LTD.(110111-0006456)

HYUNDAIMARINE&FIREINSURANCECO., LTD.(110111-0035893)

 

-Technical Support

CHEMTURA (EX. GREAT LAKES CHEMICAL(EUROPE) GMBH)

 

 

Sales by Region (Activity & Markets)

 

Sales/ Unit :Mil KRW

2011

2010

2009

Export

55,509

89,151

104,167

Domestic

84,171

121,325

72,048

Total

139,680

210,476

176,215

The Subject deals with the companies in China, Japan, Europe and South East Asia.

 

 

Court Action

 

No.

 

 

News Clipping

 

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FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.52.23

UK Pound

1

Rs.84.16

Euro

1

Rs.68.84

 

 

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

 

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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.