MIRA INFORM REPORT

 

 

Report Date :

24.12.2012

 

IDENTIFICATION DETAILS

 

Name :

VETERINARY MEDICINE IMPORT EXPORT JOINT STOCK COMPANY

 

 

Registered Office :

No.7, 30/4 Street, Xuan Khanh Ward, Ninh Kieu District, Can Tho City

 

 

Country :

Vietnam

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

1989

 

 

Com. Reg. No.:

1800155195

 

 

Legal Form :

Joint stock company

 

 

Line of Business :

Materials for manufacture of veterinary medicine

 

 

No. of Employees :

450

 

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 :

Regular

 

 

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 30th, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

Vietnam

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 

vietnam - ECONOMIC OVERVIEW

 

Vietnam is a densely-populated developing country that in the last 30 years has had to recover from the ravages of war, the loss of financial support from the old Soviet Bloc, and the rigidities of a centrally-planned economy. While Vietnam's economy remains dominated by state-owned enterprises, which still produce about 40% of GDP, Vietnamese authorities have reaffirmed their commitment to economic liberalization and international integration. They have moved to implement the structural reforms needed to modernize the economy and to produce more competitive export-driven industries. Vietnam joined the World Trade Organization in January 2007 following more than a decade-long negotiation process. Vietnam became an official negotiating partner in the developing Trans-Pacific Partnership trade agreement in 2010. Agriculture's share of economic output has continued to shrink from about 25% in 2000 to about 22% in 2011, while industry's share increased from 36% to 40% in the same period. Deep poverty has declined significantly, and Vietnam is working to create jobs to meet the challenge of a labor force that is growing by more than one million people every year. The global recession has hurt Vietnam's export-oriented economy, with GDP in 2009-11 growing less than the 7% per annum average achieved during the last decade. In 2011, exports increased by more than 33%, year-on-year, and the trade deficit, while reduced from 2010, remained high, prompting the government to maintain administrative trade measures to limit the trade deficit. Vietnam's managed currency, the dong, continues to face downward pressure due to a persistent trade imbalance. Since 2008, the government devalued it in excess of 20% through a series of small devaluations. Foreign donors pledged nearly $8 billion in new development assistance for 2011. However, the government's strong growth-oriented economic policies have caused it to struggle to control one of the region's highest inflation rates, which reached as high as 23% in August 2011 and averaged 18% for the year. In February 2011, Vietnam shifted its focus away from economic growth to stabilizing its economy and tightened fiscal and monetary policies. In early 2012 Vietnam unveiled a broad "three pillar" economic reform program, proposing the restructuring of public investment, state-owned enterprises and the banking sector. Vietnam's economy continues to face challenges from low foreign exchange reserves, an undercapitalized banking sector, and high borrowing costs. The near-bankruptcy and subsequent default of the state-owned-enterprise Vinashin, a leading shipbuilder, led to a ratings downgrade of Vietnam's sovereign debt, exacerbating Vietnam's borrowing difficulties.

 

Source : CIA

 

 


 

SUBJECT IDENTIFICATION & LEGAL FORM

 

Current legal status

Registered English Name

 

VETERINARY MEDICINE IMPORT EXPORT JOINT STOCK COMPANY

Registered Vietnamese Name

 

CONG TY CO PHAN SAN XUAT KINH DOANH VAT TU VA THUOC THU Y

Registered Short name

 

VEMEDIM

Type of Business

 

Joint stock company

Year Established

 

1989

Establishment Decision

 

1244/QD-UB

Date of Issuance

 

22 Nov 1992

Place of Issuance

 

Can Tho People Committee

Business Registration No.

 

1800155195

Date of Registration

 

17 Aug 2009

Place of Registration

 

Planning & Investment Department of Can Tho Province

Chartered capital

 

VND 20,000,000,000

Status

 

Unlisted

Tax code

 

1800155195

Total Employees

 

450

Size

 

Medium

Note: The subject’s exact name is as above

 

Historical Identification & Legal form

 

List

Changed Items

Date of changes

1

Subject has got former Business Registration No: 5703000179 dated on 18 Jan 2006 Changed to: 1800155195

17 Aug 2009

2

Subject has got former Business Registration No: 100504 dated on 24 Aug 2000 Changed to: No. 5703000179

18 Jan 2006

3

Subject has got former Registered English Name: CAN THO VETERINARY MEDICINE COMPANY

Changed to: VETERINARY MEDICINE IMPORT EXPORT JOINT STOCK COMPANY

N/A

4

Subject has got former Registered Vietnamese Name: CONG TY SAN XUAT KINH DOANH VAT TU THUOC THU Y

Changed to: CONG TY CO PHAN SAN XUAT KINH DOANH VAT TU VA THUOC THU Y

N/A

5

Subject has got former Type of Business: State owned company

Changed to: Joint stock company

N/A

 

 

ADDRESSES

 

Head Office

Address

 

No.7, 30/4 Street, Xuan Khanh Ward, Ninh Kieu District, Can Tho City, Vietnam

Telephone

 

(84-710) 3820703 / 3820704

Fax

 

(84-710) 3825853 / 3738839

Email

 

vmd@hcm.vnn.vn

Website

 

http://www.vemedim.com.vn

 

Representative office in Malaysia

Address

 

No.60, Jala ľ, Subang Permai 47500 Petaling Jaya, Selangor, Malaysia

Telephone

 

(603) 80247118

Fax

 

(603) 80247168

 

Branch in Khanh Hoa

Address

 

No.49/10, Le Hong Phong Str., Nha Trang City, Khanh Hoa Province, Vietnam

Telephone

 

(84-58) 3875846

 

Branch in Binh Dinh

Address

 

No.11, Tang Bat Ho Str., Qui Nhon City, Binh Dinh Province, Vietnam

Telephone

 

(84-56) 3822749

 

Branch in Ha Noi

Address

 

No.61A Truong Chinh Str, Hai Ba Trung District, Ha Noi City, Vietnam

Telephone

 

(84-4) 38693930

Note: Besides, the subject has many branches or offices in almost provinces in Vietnam. It has relationship with 12 small companies & factories in Can Tho Province.

 

 

 

DIRECTORS

 

1. NAME

 

Mr. NGUYEN DUC HIEN

Position

 

Director

Date of Birth

 

01 Jan 1962

ID Number/Passport

 

No. 361093571

ID Issue Date

 

28 Feb 2003

ID Issue Place

 

Can Tho policy station

Resident

 

No 62A, Mau Than Str., An Nghiep ward, Ninh Kieu District, Can Tho City, Vietnam

Nationality

 

Vietnamese

 

2. NAME

 

Mr. LUU PHUOC HAU

Position

 

Deputy Director

Resident

 

Ninh Kieu District, Can Tho City, Vietnam

Nationality

 

Vietnamese

 

3. NAME

 

Mr. LE QUOC TUY

Position

 

Deputy Director

Nationality

 

Vietnamese

 

4. NAME

 

Mr. BUI TICH THIEN

Position

 

Chief Accountant

Resident

 

No 90 Nguyen Van Cu, Can Tho City, Vietnam

Tel/Mobile phone

 

(84-710) 3820703, ext: 162

Email

 

adslvmd@vnn.vn

Nationality

 

Vietnamese

 

5. NAME

 

Mr. LE QUAN TAM

Position

 

Import - Export Department

ID Number/Passport

 

361915130

Resident

 

Ninh Kieu Ward, Can Tho City, Ninh Kieu District, Can Tho City, Vietnam

Nationality

 

Vietnamese

 

 

 

BUSINESS NATURE AND ACTIVITIES

 

• Producing and trading veterinary medicine for animal, pets, shrimps, fish. Including: Injectable solution, Oral solution, Sterile powder for injection, Water soluble powder, Feed additives, Premixes, Biological, Disinfectant, Water treatment products.
• Supply of consultant services

 

 

 

IMPORT & EXPORT ACTIVITIES

 

IMPORT:

Types of products

 

Materials for manufacture of veterinary medicine

Market

 

USA, Japan, Canada, China, India

Mode of payment

 

L/C, T/T

 

EXPORT:

Types of products

 

Veterinary medicine, aqua medicine

Market

 

Asia countries, Africa, Middle East, Southern United States

Mode of payment

 

L/C, T/T

 

 

 

BANKERS

 

1. MARITIME COMMERICAL STOCK BANK CAN THO BRANCH

Address

 

No.40 Phan Dinh Phung str, Ninh Kieu District, Can Tho City, Vietnam

Telephone

 

(84-710) 3824 792

Fax

 

(94-710) 3820 279

 

2. VIET NAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CAN THO BRANCH

Address

 

No.3 Phan Dinh Phung, Ninh Kieu District, Can Tho City, Vietnam

Telephone

 

(84-710) 3827832

Fax

 

(84-710) 3821594

 

3. HSBC BANK (VIET NAM) LTD - CAN THO BRANCH

Address

 

SST building, No.11, Hoa Binh St., Ninh Kieu Dist., Can Tho City, Vietnam

Telephone

 

(84-710) 373 5757

 

4. JOINT STOCK COMMERCIAL BANK FOR FOREIGN TRADE OF VIETNAM

Address

 

107 A1, Cai Khe Trade Center, Ninh Kieu District, Can Tho City, Vietnam

 

 

 

SHAREHOLDERS

 

1. NAME

 

Mr. NGUYEN DUC HIEN

Position

 

Director

Date of Birth

 

01 Jan 1962

ID Number/Passport

 

No. 361093571

Issued on

 

28 Feb 2003

Issued Place

 

Can Tho policy station

Resident

 

No 62A Mau Than Str, An Nghiep ward, Ninh Kieu District, Can Tho City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

99,100

 

2. NAME

 

Mr. BUI TICH THIEN

Position

 

Chief Accountant

Resident

 

No 90 Nguyen Van Cu, , Can Tho City, Vietnam

Nationality

 

Vietnamese

Email

 

adslvmd@vnn.vn

Work phone

 

(84-710) 3820703, ext: 162

Number of Shares

 

71,200

 

3. NAME

 

Mr. TRAN VAN SY

Resident

 

Block H2 Mau Than collective zone, Can Tho City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

66,900

 

4. NAME

 

Mr. HUYNH HUU PHUOC

Resident

 

188/28 Nguyen Van Cu Str., Can Tho City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

31,500

 

5. NAME

 

Mr. PHAM MANH HUNG

Resident

 

No 69/3, 30/4 Str., Can Tho City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

42,300

 

6. NAME

 

THE OTHER STAFFS OWNED CAPITAL

Number of shares

 

1,063,460

 

7. NAME

 

THE OUTSIDE SHAREHOLDERS OWNED CAPITAL

Number of shares

 

625,540

 

FINANCIAL DATA

 

BALANCE SHEET

Unit: One VND

Balance sheet date

31/12/2011

31/12/2010

31/12/2009

Number of weeks

52

52

52

Audit status

Unknown

Unknown

Unknown

ASSETS

A – CURRENT ASSETS

243,741,000,000

187,241,000,000

145,255,843,963

I. Cash and cash equivalents

51,919,000,000

44,768,000,000

17,599,115,661

1. Cash

51,919,000,000

44,768,000,000

17,599,115,661

2. Cash equivalents

0

0

0

II. Short-term investments

0

0

0

1. Short-term investments

0

0

0

2. Provisions for devaluation of short-term investments

0

0

0

III. Accounts receivable

79,571,000,000

61,290,000,000

61,726,345,427

1. Receivable from customers

61,538,000,000

61,447,000,000

0

2. Prepayments to suppliers

20,882,000,000

3,476,000,000

0

3. Inter-company receivable

0

0

0

4. Receivable according to the progress of construction

0

0

0

5. Other receivable

3,579,000,000

2,790,000,000

0

6. Provisions for bad debts

-6,428,000,000

-6,423,000,000

0

IV. Inventories

109,227,000,000

80,443,000,000

64,007,439,397

1. Inventories

112,464,000,000

83,675,000,000

0

2. Provisions for devaluation of inventories

-3,237,000,000

-3,232,000,000

0

V. Other Current Assets

3,024,000,000

740,000,000

1,922,943,478

1. Short-term prepaid expenses

650,000,000

276,000,000

0

2. VAT to be deducted

1,668,000,000

116,000,000

0

3. Taxes and other accounts receivable from the State

14,000,000

0

0

4. Other current assets

692,000,000

348,000,000

0

B. LONG-TERM ASSETS

32,478,000,000

34,033,000,000

30,734,883,238

I. Long term accounts receivable

0

0

0

1. Long term account receivable from customers

0

0

0

2. Working capital in affiliates

0

0

0

3. Long-term inter-company receivable

0

0

0

4. Other long-term receivable

0

0

0

5. Provisions for bad debts from customers

0

0

0

II. Fixed assets

31,135,000,000

32,593,000,000

29,006,554,025

1. Tangible assets

30,817,000,000

32,593,000,000

29,006,554,025

- Historical costs

98,302,000,000

88,189,000,000

29,006,554,025

- Accumulated depreciation

-67,485,000,000

-55,596,000,000

0

2. Financial leasehold assets

0

0

0

- Historical costs

0

0

0

- Accumulated depreciation

0

0

0

3. Intangible assets

0

0

0

- Initial costs

0

0

0

- Accumulated amortization

0

0

0

4. Construction-in-progress

318,000,000

0

0

III. Investment property

0

0

0

Historical costs

0

0

0

Accumulated depreciation

0

0

0

IV. Long-term investments

0

0

0

1. Investments in affiliates

0

0

0

2. Investments in business concerns and joint ventures

0

0

0

3. Other long-term investments

0

0

0

4. Provisions for devaluation of long-term investments

0

0

0

V. Other long-term assets

1,343,000,000

1,440,000,000

1,728,329,213

1. Long-term prepaid expenses

1,161,000,000

1,440,000,000

0

2. Deferred income tax assets

182,000,000

0

0

3. Other long-term assets

0

0

1,728,329,213

VI. Goodwill

0

0

0

1. Goodwill

0

0

0

TOTAL ASSETS

276,219,000,000

221,274,000,000

175,990,727,201

 

LIABILITIES

A- LIABILITIES

93,776,000,000

81,291,000,000

87,959,590,308

I. Current liabilities

91,842,000,000

78,703,000,000

76,151,921,247

1. Short-term debts and loans

28,163,000,000

18,578,000,000

76,151,921,247

2. Payable to suppliers

43,599,000,000

40,092,000,000

0

3. Advances from customers

37,000,000

440,000,000

0

4. Taxes and other obligations to the State Budget

5,148,000,000

4,842,000,000

0

5. Payable to employees

7,071,000,000

119,000,000

0

6. Accrued expenses

5,896,000,000

12,984,000,000

0

7. Inter-company payable

0

0

0

8. Payable according to the progress of construction contracts

0

0

0

9. Other payable

1,928,000,000

1,648,000,000

0

10. Provisions for short-term accounts payable

0

0

0

II. Long-Term Liabilities

1,934,000,000

2,588,000,000

11,807,669,061

1. Long-term accounts payable to suppliers

0

0

0

2. Long-term inter-company payable

0

0

0

3. Other long-term payable

0

0

0

4. Long-term debts and loans

1,560,000,000

2,270,000,000

0

5. Deferred income tax payable

0

0

0

6. Provisions for unemployment allowances

374,000,000

318,000,000

0

7. Provisions for long-term accounts payable

0

0

0

8. Unearned Revenue

0

0

0

9. Science and technology development fund

0

0

0

B- OWNER’S EQUITY

182,443,000,000

139,983,000,000

88,031,136,893

I. OWNER’S EQUITY

177,413,000,000

136,750,000,000

88,031,136,893

1. Capital

20,000,000,000

20,000,000,000

88,031,136,893

2. Share premiums

0

0

0

3. Other sources of capital

0

0

0

4. Treasury stocks

-10,598,000,000

-9,984,000,000

0

5. Differences on asset revaluation

0

0

0

6. Foreign exchange differences

0

0

0

7. Business promotion fund

94,735,000,000

61,935,000,000

0

8. Financial reserved fund

12,390,000,000

7,354,000,000

0

9. Other funds

4,201,000,000

4,201,000,000

0

10. Retained earnings

56,685,000,000

53,244,000,000

0

11. Construction investment fund

0

0

0

12. Business arrangement supporting fund

0

0

0

II. Other sources and funds

5,030,000,000

3,233,000,000

0

1. Bonus and welfare funds (Elder form)

5,030,000,000

3,233,000,000

0

2. Sources of expenditure

0

0

0

3. Fund to form fixed assets

0

0

0

MINORITY’S INTEREST

0

0

0

TOTAL LIABILITIES AND OWNER’S EQUITY

276,219,000,000

221,274,000,000

175,990,727,201

 

 

PROFIT & LOSS STATEMENT

 

Description

FY2011

FY2010

FY2009

1. Total Sales

486,893,000,000

417,771,000,000

358,138,447,376

2. Deduction item

499,000,000

690,000,000

864,774,182

3. Net revenue

486,394,000,000

417,081,000,000

357,273,673,194

4. Costs of goods sold

281,487,000,000

224,478,000,000

219,441,601,896

5. Gross profit

204,907,000,000

192,603,000,000

137,832,071,298

6. Financial income

2,060,000,000

256,000,000

194,994,160

7. Financial expenses

54,004,000,000

26,666,000,000

40,110,518,640

- In which: Loan interest expenses

3,518,000,000

3,805,000,000

10,759,034,860

8. Selling expenses

35,349,000,000

59,263,000,000

23,351,999,504

9. Administrative overheads

56,450,000,000

52,020,000,000

37,946,268,619

10. Net operating profit

61,164,000,000

54,910,000,000

36,618,278,695

11. Other income

63,000,000

616,000,000

1,264,567,098

12. Other expenses

1,000,000

428,000,000

72,442,690

13. Other profit /(loss)

62,000,000

188,000,000

1,192,124,408

14. Total accounting profit before tax

61,226,000,000

55,098,000,000

37,810,403,103

15. Current corporate income tax

7,512,000,000

5,741,000,000

4,327,215,255

16. Deferred corporate income tax

-182,000,000

0

0

17. Interest from subsidiaries/related companies

0

0

0

18. Profit after tax

53,896,000,000

49,357,000,000

33,483,187,848

 

FINANCIAL RATIOS AND AVERAGE INDUSTRY RATIOS

 

Description

FY2011

FY2010

FY2009

Average Industry

Current liquidity ratio

2.65

2.38

1.91

1.42

Quick liquidity ratio

1.46

1.36

1.07

0.78

Inventory circle

2.58

2.79

3.43

5.13

Average receive period

59.71

53.64

63.06

72.48

Utilizing asset performance

1.76

1.88

2.03

1.61

Liability by total assets

33.95

36.74

49.98

65.76

Liability by owner's equity

51.40

58.07

99.92

269.57

Ebit / Total assets (ROA)

23.44

26.62

27.60

11.97

Ebit / Owner's equity (ROE)

35.49

42.08

55.17

36.02

Ebit / Total revenue (NPM)

13.30

14.10

13.56

7.56

Gross profit / Total revenue (GPM)

42.08

46.10

38.49

14.67

Note: The Average Industry was calculated by VietnamCredit based on our own statistical data

 

 

PAYMENT HISTORY & PERFORMANCE EXPERIENCES

 

Trade Morality

 

Fair

Liquidity

 

Medium

Payment status

 

Average

Financial Situation

 

Above Average

Development trend

 

Positive

Litigation data

 

No Record

Bankruptcy

 

No Record

Payment Methods

 

L/C, T/T

Sale Methods

 

Wholesaler

Public opinion

 

Well-known

 

 

 

 

INTERPRETATION ON THE SCORES

 

The subject was established in May 1989 as a State owned company. It was changed into Joint Stock Company in 2006 with 30 percent of stakes in subject of the state. However, the state sold its shares to private shareholders in Aug 2009. Currently, the subject operates under the business registration No. 1800155195 with the chartered capital is VND 20 billion.

Besides the headquarters in Can Tho City, the subject has also some branches at some cities and provinces in Vietnam, and a representative office in Malaysia. Its main products including antibiotics, vitamins, premix, enzymes, anti-inflammatory drugs, drugs kill parasites, hormones, increase metabolism, biological products, and environmental remediation. Its products are famous and familiar in Vietnam. Besides proving in domestic market, the subject also exports to Asian countries, Africa, Middle East and Southern United States. After more than twenty years of operation, the subject has progressed step by step and contributed considerably for development of province. Its prestige and position are being improved much.

The management capacity is fair. With production lines, modern equipment, advanced technology and quality management system efficiency, the subject has been certified in accordance WHO GMP standards (Good Manufacturing Practices) and ISO 9001:2000 (International Quality Management System). System storage of goods of subject is accordance standard GSP (Good Storage Practices). Besides, the environmental management system is consistent with international standards ISO 14001:2004. The laboratory system has been certified in accordance with GLP and ISO/IEC 17025 and it was granted VILAS stamp, which is accepted in 42 countries.

The financial situation of the subject is considered above average. Liquidity was quite good because the current assets were fairly high against the current liabilities. The liabilities were relatively low and guaranteed by its assets and owner’s equity, showing that the capital structure is fairly safe. Business operation was effective. This is reflected in the annual growth of total sales and profit. In 2011, total sales were increased 16.5% and 35.9% in comparison with 2010 and 2009 respectively. Although the subject had to bear high of financial expenses and administrative overheads, its profit was improved with the growth rate of 9%. Profitability indicators were quite good compared with the industry average.

In general, the subject is now operating on the medium scale. Its position in the line is above average. The future prospect seems brightly. It is reliable for small and medium transactions.

 

 

 

 

 

 

INDUSTRY DATA

 

Industry code

Growth speed by price compared with 1994 (%)

Total enterprises 2010

Total employees 2011

(Thous.pers.)

Annual average capital of enterprises 2010

(billion dongs)

2011

2010

Agriculture, Forestry and Fishing

4.00

2.78

8,887

24,362.9

95,227

Industry and Construction

5.53

7.70

95,217

10,718.9

3,641,376

Trade and Services

6.69

7.52

187,195

15,270.2

6,957,082

 

ECONOMIC INDICATORS

 

 

2011 

2010 

2009 

Population (Million person)

87.84

86.93

86.02

Gross Domestic Products (USD billion)

119

102.2

91

GDP Growth (%)

5.89

6.78

5.32

GDP Per Capita (USD/person/year)

1,300

1,160

1,080

Inflation (% Change in Composite CPI)

18.58

11.75

6.88

State Budget Deficit compared with GDP (%)

4.9

5.8

6.9

 

SERVICE TRADE PERFORMANCE

 

Billion USD 

2011 

2010 

2009 

Exports

96.3

72.2

57.1

Imports

105.8

84.8

69.9

Trade Balance

-9.5

-12.6

-12.8

Source: General Statistics Office


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.55.08

UK Pound

1

Rs.89.53

Euro

1

Rs.72.77

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

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

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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.