MIRA INFORM REPORT
|
Report Date : |
22.08.2012 |
IDENTIFICATION DETAILS
|
Name : |
PRIME POLYRUBS PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
B-114, Maya Puri Industrial Area, Phase-1, New Delhi-110064 |
|
|
|
|
Country : |
India |
|
|
|
|
Financials (as
on) : |
31.03.2011 |
|
|
|
|
Date of
Incorporation : |
19.05.1987 |
|
|
|
|
Com. Reg. No.: |
55-028031 |
|
|
|
|
Capital Investment
/ Paid-up Capital : |
Rs. 5.915 Millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U74899DL1987PTC028031 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
DELP08335F DELP01944F |
|
|
|
|
PAN No.: [Permanent Account No.] |
AAACP3294L |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Manufacturer, Supplier and Exporter of Footwear |
|
|
|
|
No. of Employees
: |
Not Available |
RATING & COMMENTS
|
MIRA’s Rating : |
B (31) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Maximum Credit Limit : |
USD 60000 |
|
|
|
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
Slow But Correct |
|
|
|
|
Litigation : |
Clear |
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|
|
|
Comments : |
Subject is an established company having moderate track. Profitability
appears to be low. Trade relations are reported as improving. Business is active. Payments
are reported as slow but correct. The company can be considered for business dealings with some caution.
|
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, 2012
|
Country Name |
Previous Rating (31.03.2012) |
Current Rating (30.06.2012) |
|
India |
A1 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
RBI DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available RBI Defaulters’ list.
EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of
31-03-2012.
LOCATIONS
|
Registered Office : |
B-114, Maya Puri Industrial Area, Phase-1, New Delhi-110064, India |
|
Tel. No.: |
91-11-28116006 / 47478722 |
|
Fax No.: |
91-11-28115794 |
|
E-Mail : |
DIRECTORS
AS ON 30.09.2011
|
Name : |
Mr. Brij Chopra |
|
Designation : |
Director |
|
Address : |
3C/6, New Rohtak Road, New Delhi-110006, India |
|
Date of Birth/Age : |
29.07.1953 |
|
Date of Appointment : |
19.05.1987 |
|
DIN No.: |
00484200 |
|
|
|
|
Name : |
Mr. Vipin Puri |
|
Designation : |
Director |
|
Address : |
B-253, Greater Kailash-I, New Delhi-110048, India |
|
Date of Birth/Age : |
18.02.1945 |
|
Date of Appointment : |
19.05.1987 |
|
DIN No.: |
00417411 |
Other Directorship:
|
S.No. |
CIN/LLPIN |
Name
of the Company/ LLP |
Current
designation of the Director/ Designated Partner |
Date
of appointment at current designation |
Original
date of appointment |
Date
of cessation |
Company/
LLP Status |
Defaulting
status |
|
1 |
U74899DL1987PTC028031 |
PRIME
POLYRUBS PRIVATE LIMITED |
Director |
19/05/1987 |
19/05/1987 |
- |
Active |
NO |
|
2 |
U19201DL2005PTC138879 |
PRESTIGE
SHOES PRIVATE LIMITED |
Director |
23/10/2005 |
23/10/2005 |
- |
Dormant |
NO |
|
3 |
U19201DL2006PTC156555 |
ADVANCE
SHOES PRIVATE LIMITED |
Director |
14/12/2006 |
14/12/2006 |
- |
Active |
NO |
|
4 |
U19200DL2008PTC177276 |
FOCUS
SHOES PRIVATE LIMITED |
Director |
25/04/2008 |
25/04/2008 |
- |
Active |
NO |
|
5 |
U19201DL2006PTC153305 |
N R
FOOTWEAR PRIVATE LIMITED |
Director |
28/07/2008 |
28/07/2008 |
- |
Active |
NO |
|
6 |
U72900DL2008PTC180373 |
SENORITA
INFOTECH PRIVATE LIMITED |
Director |
25/11/2009 |
25/11/2009 |
- |
Active |
NO |
|
7 |
U19200DL2009PTC196455 |
STEEL
SHOES PRIVATE LIMITED |
Director |
30/11/2009 |
30/11/2009 |
19/05/2010 |
Active |
NO |
|
Name : |
Mr. Kiran Puri |
|
Designation : |
Director |
|
Address : |
B-253, Greater Kailash-I, New Delhi-110048, India |
|
Date of Birth/Age : |
28.09.1952 |
|
Date of Appointment : |
19.05.1987 |
|
DIN No.: |
00417353 |
Other Directorship:
|
S.No. |
CIN/LLPIN |
Name
of the Company/ LLP |
Current
designation of the Director/ Designated Partner |
Date
of appointment at current designation |
Original
date of appointment |
Company/
LLP Status |
Defaulting
status |
|
1 |
U74899DL1987PTC028031 |
PRIME
POLYRUBS PRIVATE LIMITED |
Director |
19/05/1987 |
19/05/1987 |
Active |
NO |
|
2 |
U72900DL2008PTC180373 |
SENORITA
INFOTECH PRIVATE LIMITED |
Director |
15/04/2010 |
15/04/2010 |
Active |
NO |
|
Name : |
Ms. Deepika Chopra |
|
Designation : |
Director |
|
Address : |
3C/6, New Rohtak Road, New Delhi-110006, India |
|
Date of Birth/Age : |
10.02.1962 |
|
Date of Appointment : |
19.05.1987 |
|
DIN No.: |
00417564 |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
AS ON 30.09.2011
|
Names of Shareholders |
No. of Shares |
|
Vipin Puri |
7920 |
|
Kiran Puri |
3025 |
|
Brij Chopra |
15445 |
|
Deepika Chopra |
4760 |
|
Arjun Puri |
1195 |
|
B K Puri |
380 |
|
Bir Kumr Soni |
380 |
|
Y R Chopra |
1040 |
|
P L Kohli |
3000 |
|
Gaurav Chopra |
14000 |
|
Anand Puri |
4000 |
|
Ashish Verma |
1000 |
|
Kishan Chand Sood |
1000 |
|
Anmol Township Private Limited, India |
1000 |
|
Zayat Construction Private Limited, India |
1000 |
|
TOTAL
|
59145 |
AS ON 30.09.2011
|
Equity Shares
Break Up |
Percentage of
Holding |
|
Directors or relatives of Directors |
96.50 |
|
Other top fifty shareholders |
3.50 |
|
TOTAL |
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer, Supplier and Exporter of Footwear |
GENERAL INFORMATION
|
No. of Employees : |
Not Available |
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Bankers : |
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Facilities : |
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Banking
Relations : |
-- |
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Auditors : |
|
|
Name : |
H N Pradhan and Company Chartered Accountant |
|
Address : |
205-206, Area Centre, E/2, Jhandewalan Extension, New Delhi-110055,
India |
|
Tel. No.: |
91-11-23549762 / 23628214 |
|
E-Mail : |
|
|
PAN No.: |
AAAFH4134M |
CAPITAL STRUCTURE
AS ON 31.03.2011
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
60000 |
Equity Shares |
Rs.100/- each |
Rs. 6.000 Millions |
|
|
|
|
|
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
|
|
|
|
|
59145 |
Equity Shares |
Rs.100/-
each |
Rs. 5.915
Millions |
|
|
|
|
|
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
5.915 |
5.715 |
5.714 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
9.175 |
5.038 |
3.428 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
15.090 |
10.753 |
9.142 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
13.673 |
12.782 |
12.597 |
|
|
2] Unsecured Loans |
0.732 |
1.119 |
2.525 |
|
|
TOTAL BORROWING |
14.405 |
13.901 |
15.122 |
|
|
DEFERRED TAX LIABILITIES |
0.298 |
0.346 |
0.466 |
|
|
|
|
|
|
|
|
TOTAL |
29.793 |
25.000 |
24.730 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
11.933 |
10.370 |
7.665 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.000 |
0.000 |
|
|
DEFERREX TAX ASSETS |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
12.975
|
7.840 |
7.829 |
|
|
Sundry Debtors |
16.509
|
17.605 |
21.340 |
|
|
Cash & Bank Balances |
0.087
|
0.131 |
0.261 |
|
|
Other Current Assets |
1.481
|
1.918 |
1.896 |
|
|
Loans & Advances |
0.000
|
0.000 |
0.000 |
|
Total
Current Assets |
31.052
|
27.494 |
31.326 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
11.822
|
10.676 |
12.882 |
|
|
Other Current Liabilities |
1.170
|
1.488 |
1.037 |
|
|
Provisions |
0.200
|
0.700 |
0.342 |
|
Total
Current Liabilities |
13.192
|
12.864 |
14.261 |
|
|
Net Current Assets |
17.860
|
14.630 |
17.065 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
29.793 |
25.000 |
24.730 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
|
NA |
71.300 |
|
|
|
Other Income |
|
|
NA |
|
|
|
TOTAL |
72.605 |
NA |
NA |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Office Expenses |
72.096 |
NA |
NA |
|
|
|
Administrative Expenses |
|
|
|
|
|
|
Advertising Expenses |
|
|
|
|
|
|
TOTAL |
72.096 |
NA |
NA
|
|
|
|
|
|
|
|
|
|
PROFIT
BEFORE TAX, DEPRECIATION AND AMORTISATION |
[Including |
|
1.829 |
|
|
|
|
Depreciation] |
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION |
|
|
0.723 |
|
|
|
|
|
|
|
|
|
|
PROFIT BEFORE
TAX |
0.509 |
|
1.106 |
|
|
|
|
|
|
|
|
|
Less |
TAX |
0.171 |
NA |
0.459 |
|
|
|
|
|
|
|
|
|
|
PROFIT AFTER TAX
|
0.338 |
|
0.647 |
|
|
|
|
|
|
|
|
|
Add |
PREVIOUS
YEARS’ BALANCE BROUGHT FORWARD |
NA |
NA |
2.833 |
|
|
|
|
|
|
|
|
|
Add |
PREVIOUS YEAR
PROVISION FOR TAX WRITTEN BACK |
NA |
|
0.202 |
|
|
|
|
|
|
|
|
|
Less |
ADJUSTMENT IN
TAXES |
NA |
|
0.255 |
|
|
|
|
|
|
|
|
|
|
BALANCE CARRIED TO
THE B/S |
NA
|
NA |
3.427 |
|
|
|
|
|
|
|
|
|
|
EARNINGS IN
FOREIGN CURRENCY |
|
|
|
|
|
|
|
Export Earnings |
0.000 |
1.491 |
0.000 |
|
|
TOTAL EARNINGS |
0.000 |
1.491 |
0.000 |
|
|
|
|
|
|
|
|
|
|
Earnings Per
Share (Rs.) |
5.71 |
-- |
-- |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2011 |
31.03.2010 |
31.03.2009 |
|
PAT / Total Income |
(%) |
0.47
|
NA |
NA |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
NA
|
NA |
1.55 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
1.18
|
NA |
2.84 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.03
|
NA |
0.12 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
1.85
|
2.52 |
3.27 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
2.35
|
2.14 |
2.20 |
LOCAL AGENCY FURTHER INFORMATION
|
Sr. No. |
Check List by Info Agents |
Available in
Report (Yes / No) |
|
1] |
Year of Establishment |
Yes |
|
2] |
Locality of the firm |
Yes |
|
3] |
Constitutions of the firm |
Yes |
|
4] |
Premises details |
No |
|
5] |
Type of Business |
Yes |
|
6] |
Line of Business |
Yes |
|
7] |
Promoter's background |
Yes |
|
8] |
No. of employees |
No |
|
9] |
Name of person contacted |
No |
|
10] |
Designation of contact
person |
No |
|
11] |
Turnover of firm for last
three years |
Yes |
|
12] |
Profitability for last
three years |
Yes |
|
13] |
Reasons for variation
<> 20% |
----- |
|
14] |
Estimation for coming
financial year |
No |
|
15] |
Capital in the business |
Yes |
|
16] |
Details of sister
concerns |
No |
|
17] |
Major suppliers |
No |
|
18] |
Major customers |
No |
|
19] |
Payments terms |
No |
|
20] |
Export / Import details
(if applicable) |
No |
|
21] |
Market information |
----- |
|
22] |
Litigations that the firm
/ promoter involved in |
----- |
|
23] |
Banking Details |
Yes |
|
24] |
Banking facility details |
Yes |
|
25] |
Conduct of the banking
account |
----- |
|
26] |
Buyer visit details |
----- |
|
27] |
Financials, if provided |
Yes |
|
28] |
Incorporation details, if
applicable |
Yes |
|
29] |
Last accounts filed at
ROC |
Yes |
|
30] |
Major Shareholders, if
available |
Yes |
|
31] |
Date
of Birth of Proprietor/Partner/Director, if available |
Yes |
|
32] |
PAN of Proprietor/Partner/Director,
if available |
No |
|
33] |
Voter ID No of
Proprietor/Partner/Director, if available |
No |
|
34] |
External
Agency Rating, if available |
No |
FORM 8
|
Corporate
identity number of the company |
U74899DL1987PTC028031 |
|
Name of the
company |
PRIME POLYRUBS
PRIVATE LIMITED |
|
Address of the
registered office or of the principal place of business in |
B-114, Maya Puri Industrial Area, Phase-1, New Delhi-110064, India |
|
This form is for |
Modification of
charge |
|
Charge
identification number of the charge to be modified |
80019906 |
|
Type of charge |
|
|
Particular of
charge holder |
Bank of India, New Delhi, SME Branch, D-4, Udyog Nagar, Rohtak Road, Peera Garhi, New Delhi-110041, India |
|
Nature of
instrument creating charge |
Supplemental
Agreement |
|
Date of
instrument Creating the charge |
30.07.2011 |
|
Amount secured by
the charge |
Rs. 12.500
Millions |
|
Brief of the
principal terms an conditions and extent and operation of the charge |
Rate of interest Interest shall
now be charged @ 3.50% over Base Rate, presently 13.50 % p. a. with monthly
rests or at such other rates as may be prescribed by the bank from time to
time. Terms of repayment Payable on
demand. Margin 25 percent. Extent and operation of the charge 100 percent. |
|
Short particulars
of the property charged (Including location of the property) |
Hypothecation of
stocks of ADCL EVA, Calcium Carbonate, raw-rubber, stearite acid, zinc oxide,
zinc stearite, chemicals, latex,
silica rubber steel, packing material, goods-in-process and finished goods of
foot wears etc. whether raw or manufactured or in process of manufacture and
all other goods and tangible moveable property now lying or hereafter stored
at Company's premises or godown at B-114, Mayapuri, Industrial Area, Phase
-I, New Delhi or at any other place(s) including those in transit. |
|
Particulars of
the present modification |
The Cash Credit
(Hypothecation of Stocks) limit stands enhanced from Rs.3.000 Millions to
Rs.12.500 Millions. However, the
maximum amount under Cash Credit (Hypothecation of Stocks) limit of Rs.12.500
Millions and Cash Credit (Hypothecation of Book-Debts) limit of Rs.12.500
Millions shall not exceed to Rs.12.500 Millions at a time. Interest rate
stands changed to 3.50% over base rate, presently 13.50% p. a. with monthly
rests. Other terms and
conditions remained the same. |
FIXED ASSETS
- Land
- Factory
Building
- Plant and
Machinery
- Dies and
Mouldes
- Office
Equipments
- Computer
- Furniture and
Fixtures
- Motor
Vehicles
- Cycle
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
1] INFORMATION ON
DESIGNATED PARTY
No records exist designating subject or any of its beneficial owners, controlling
shareholders or senior officers as terrorist or terrorist organization or whom
notice had been received that all financial transactions involving their assets
have been blocked or convicted, found guilty or against whom a judgement or
order had been entered in a proceedings for violating money-laundering,
anti-corruption or bribery or international economic or anti-terrorism sanction
laws or whose assets were seized, blocked, frozen or ordered forfeited for
violation of money laundering or international anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper payments
to government officials for engaging in prohibited transactions or with
designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l Anti-Money
Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government
official or a family member or close business associate of a Government
official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws, regulations
or policies that prohibit, restrict or otherwise affect the terms and
conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs. 55.54 |
|
|
1 |
Rs. 87.39 |
|
Euro |
1 |
Rs. 68.71 |
INFORMATION DETAILS
|
Report Prepared
by : |
DPT |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
4 |
|
PAID-UP CAPITAL |
1~10 |
3 |
|
OPERATING SCALE |
1~10 |
4 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
4 |
|
--PROFITABILIRY |
1~10 |
2 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
4 |
|
--CREDIT LINES |
1~10 |
4 |
|
--MARGINS |
-5~5 |
-- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
YES |
|
--LITIGATION |
YES/NO |
NO |
|
--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
|
MERIT POINTS |
|
|
|
--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
|
--EXPORT ACTIVITIES |
YES/NO |
NO |
|
--AFFILIATION |
YES/NO |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
TOTAL |
|
31 |
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%)
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 report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.