MIRA INFORM REPORT

 

 

Report Date :

17.02.2012

 

IDENTIFICATION DETAILS

 

Name :

AVERY DENNISON MATERIALS PTY LTD

 

 

Registered Office :

1104-1124 Centre Road Oakleigh South Victoria 3167

 

 

Country :

Australia

 

 

Financials (as on) :

31.12.2010

 

 

Date of Incorporation :

22.07.1970

 

 

Com. Reg. No.:

007706934

 

 

Legal Form :

Australian Proprietary Company

 

 

Line of Business :

Manufacturing & sales of adhesive labels.

 

 

No. of Employees :

400 employees (Subject); 32,100 employees (Avery Dennison Group)

 

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 1,200,000

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

(30.06.2011)

Current Rating

(30.09.2011)

Australia

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


IDENTIFICATION DETAILS

 

Verified Address

 

Subject name                :           AVERY DENNISON MATERIALS PTY LTD

 

Business address          :           1104-1124 Centre Road

 

Town                             :           Oakleigh South

Province                        :           Victoria

Zip/postal code              :           3167

Country                         :           Australia

Tel                                :           +61 3 92710300

Fax                               :           +61 3 92710301

Website                                    :           www.fasson.com.au

 

Registered address        :           C/o NORTON ROSE AUSTRALIA Level 18, Grosvenor Place

225 George Street

 

Town                             :           Sydney

Province                        :           New South Wales

Zip/postal code              :           2000

Country                         :           Australia

Comments                    :           The provided address 16 Hewittson Road

Elizabeth West, SA 5113, Australia belongs to the Subject's production facilities.

 

 

SUMMARY DETAILS

 

Executive Summary

 

Date founded or registered          :   22/07/1970

 

Legal form                                 :   Australian Proprietary Company

 

Chief executive                          :   David Roland Martin

 

Issued & paid up capital             :   AUD 9,000,000

 

Sales turnover                            :   USD 6,512,700,000 (Group-consolidated 12 months, 31/12/2010)

Net income                                :   USD 316,900,000 (Group-consolidated 12 months, 31/12/2010)

Total fixed assets                       :   USD 5,099,400,000 (Group-consolidated 12 months, 31/12/2010)

Line of business             :   Manufacturing & sales of adhesive labels.

Staff employed                                                                        :   400 employees (Subject); 32,100 employees (Avery Dennison Group)

 

 

 

 

 

CREDIT RISK OPINION

 

Company Analysis

 

Country risk                   :   Country risk is minimal

 

Operation trend              :   Operational trend is steady

 

Management experience:   Management is adequately experienced

Financial performance    :   Financial performance is good

Organization structure    :   Organizational structure is stable

Detrimental        :   No detrimental records found

Payment history                        :   No payment delays noted

 

Credit amount suggestion:   USD 1,200,000

 

Credit amount asked      :   Not described.

 

Comments                    :   Larger credit can still be considered. The Subject is well positioned in the market and the financial stability of the group is positive.

 

 

STATUTORY DETAILS

 

Registry Data

 

Registration date            :   22/07/1970

 

Legal form                     :   Australian Proprietary Company

 

Registration no  Australian Company Number: 007706934

 

Registered authority       :   Australian Securities and Investments Commission

 

Fiscal/ Tax no                :   Australian Business Number: 92007706934

 

Registry status              :   Live/Active

Previous name               :   FASSON PTY. LIMITED (initial)

Change of legal form       :   None reported.

 

 

 

MANAGEMENT / DIRECTORS

 

Key Management

Name                            :           David Roland Martin

Designation                   :           Managing Director

 

Name                            :           Ian David Brown

Designation                   :           Financial Director

 

 

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

 

Name                            :           Karyn Elizabeth Rodriguez

Designation                   :           Director

Appointment date           :           21/08/01

Address                        :           750 Hastings Ranch Drive

Pasadena, CA 91107

United States

Biography                      :           Born on 31-08-1959 in New York, United States.

Ms. Karyn E. Rodriguez is Vice President and Treasurer of Avery Dennison Corporation. Previously she has been Assistant Treasurer, Corporate Finance and Investments from 1999-2001.

 

 

Name                            :           David Roland Martin

Designation                   :           Director

Appointment date           :           01/01/06

Address                        :           1 Carrington Grove

Brighton East, VIC 3187

Australia

Biography                      :           Born on 18-06-1964 in Adelaide, South Australia, Australia.

 

 

Name                            :           Vikas Arora

Designation                   :           Director

Appointment date           :           30/06/10

Address                        :           1410 N Curson Avenue, Apt 205

Los Angeles, CA 90046-7806

United States

Biography                      :           Born on 14-10-1973 in Michigan, United States.

 

 

Name                            :           Ian David Brown

Designation                   :           Director

Appointment date           :           15/12/08

Address                        :           276 Galston Road

Galston, NSW 2159

Australia

Biography                      :           Born on 24-09-1964 in Boxford, United Kingdom.

 

 

Name                            :           Azima Moiz

Designation                   :           Director

Appointment date           :           01/08/10

Address                        :           Rm 710, 7/F, J Residence No. 60 Johnston Road Wanchai

Hong Kong

Biography                      :           Born on 07-06-1969 in Singapore.

 

 

Name                            :           Georges Gravanis

Designation                   :           Director

Appointment date           :           01/08/10

Address                        :           Flat B, 1/F, 127 Repulse Bay Road

Repulse Bay

Hong Kong

Biography                      :           Born on 01-01-1958 in Le Piree, France.

 

Staff employed               :           400 employees (Subject); 32,100 employees (Avery Dennison Group)

 

 

Key Advisors

 

Auditors                        :           COOPERS & LYBRAND

91 King William Street

Adelaide, SA 5000

Australia

 

 

SHARE CAPITAL

 

Composition

 

Authorized Capital          :   AUD 9,000,000

 

No of shares                  :   9,000,000 Ordinary Shares

 

Share par value              :   AUD 1

 

Issued capital                :   AUD 9,000,000

 

Paid up capital                                                :   AUD 9,000,000

 

 

OWNERSHIP / SHAREHOLDERS

 

How listed                     :   Full List

 

Composition

 

Shareholder name          :   AVERY DENNISON AUSTRALIA GROUP HOLDINGS PTY LIMITED

Address                        :   C/o NORTON ROSE AUSTRALIA

Level 18, Grosvenor Place

225 George Street

Sydney, NSW 2000

Australia

 

No. of shares                 :   9,000,000 Ordinary Shares

 

% of shares                            :   100%

 

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

 

Structure

 

Name                :   AVERY DENNISON CORPORATION

Affiliation type    :   Ultimate Holding Company

Address            :   Miller Corporate Center

150 North Orange Grove Boulevard

Pasadena, CA 91103

United States

 

Comments        :   Avery Dennison Corporation engages in the manufacture and sale of

pressure-sensitive materials; office and consumer products; and various tickets, tags, labels, and other converted products worldwide. Its Pressure-sensitive Materials segment offers papers, plastic films, metal foils, and fabrics to label printers and converters; and performance polymer products, including solvent and emulsion-based acrylic polymer adhesives, protective coatings, and other

polymer additives. This segment also provides graphic products consist of films and other products to architectural, commercial sign, and digital printing markets; durable cast and reflective films to construction, automotive, and fleet transportation markets; scrim-reinforced vinyl materials for banner sign applications; and reflective films for traffic and safety applications, as well as films for weather-resistant applications. The company’s Retail Information Services segment offers brand identification products, including woven and printed labels, graphic tags, and barcode tags; information management products, such as price tickets, carton labels, and RFID tags; and solution-enabling products, which include printers, fastening and application devices, and security management products to retailers, apparel manufacturers, distributors, and industrial

customers. Its Office and Consumer Products segment provides printable media products, such as copier, ink-jet, and laser printer labels and related computer software, as well as ink-jet and laser printer card and index products; organization, filing, and presentation products consisting of binders, dividers, and sheet protectors; and stationery products, including writing instruments, markers, and adhesives for office, school, and home uses. The company was formerly known as Avery International Corporation and changed its name to Avery Dennison Corporation in 1990. Avery Dennison Corporation was founded in 1935 and is headquartered in Pasadena, California.

 

 

Name                :   AVERY DENNISON AUSTRALIA GROUP HOLDINGS PTY LIMITED

Affiliation type    :   Parent Company

Address            :   C/o NORTON ROSE AUSTRALIA Level 18, Grosvenor Place

225 George Street

Sydney, NSW 2000

Australia

 

Name                :   AVERY DENNISON MATERIALS SDN BHD

Affiliation type    :   Sister Company

Address            :   Lot 6 Jalan P/2 Kawasan Perusahaan Bangi

43650 Bandar Baru Bangi Selangor Darul Ehsan Malaysia

 

Name                :   AVERY DENNISON OFFICE PRODUCTS PTY LIMITED

Affiliation type    :   Sister Company

Address            :   11 Carrington Road

Castle Hill, NSW 2154

Australia

 

Name                :   AVERY DENNISON MATERIALS NEDERLAND B.V.

Affiliation type    :   Sister Company

Address            :   Rijndijk 86

2394AJ  Hazerswoude-Rijndijk

Netherlands

 

Name                :   AVERY DENNISON MATERIALS NEW ZEALAND LIMITED

Affiliation type    :   Sister Company

Address            :   40 Vestey Drive

Westfield, Auckland 1060

New Zealand

 

Name                :   AVERY DENNISON (INDIA) PRIVATE LIMITED

Affiliation type    :   Sister Company

Address            :   Narsinghpur Industrial Area

Six Kilometre Stone, Delhi - Jaipur Highway

District Gurgaon - 122001

Haryana

India

 

Name                :   AVERY DENNISON SINGAPORE (PTE) LTD

Affiliation type    :   Sister Company

Address            :   151 Pasir Panjang Road

Pasir Panjang Distripark #03–13

Singapore 118480

Singapore

 

Name                :   AVERY DENNISON MATERIALS GMBH

Affiliation type    :   Sister Company

Address            :   Bembergstraße 1

D-42103 Wuppertal

Germany

 

Name                :   AVERY DENNISON (THAILAND) LTD.

Affiliation type    :   Sister Company

Address            :   49/51-54 Kingkaew Road, Moo 12

Tambol Rajathewa

Bangplee District, Samutprakam Province

Thailand

 

 

Related companies and corporate affiliations comments:   Other companies of the Avery Dennison Group should be considered affiliates of the Subject.

 

 

BANK & MORTGAGES

 

Bank Details

 

Name of bank                                     :   National Australia Bank Limited

 

Address                                             :   Australia

 

Account details                                  :   Current Account

 

 

Name of bank                                     :   Westpac Banking Corporation

 

Address                                             :   Australia

 

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                                          :

 

 

Legal Fillings

None reported.

 

Bankruptcy fillings                              : Court judgements                               : Tax liens                                            : Others                                               :

None reported. None reported. None reported. None reported.

 


FINANCIAL DATA         

 

 

 

Description

 

Source of financial statement               :

 

 

 

 

Public Record Sources

 

Financial statement date                     : Type of accounts                                : Currency                                            :

Consolidation type                              :

31/12/10

 

Full audited

US Dollar (USD) Group Consolidated

 

 

 

 

 

Group Consolidated

Currency                                            :

US Dollar (USD)

US Dollar (USD)

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                        :

6,512,700,000

5,952,700,000

Gross profit                                        :

1,826,000,000

1,586,500,000

Profit before tax                                  :

351,300,000

-790,900,000

Net income                                        :

316,900,000

-746,700,000

Non current assets                             :

3,147,500,000

3,269,600,000

Current assets                                   :

1,951,900,000

1,733,200,000

 

Inventories                                          :

519,900,000

477,300,000

Total assets                                       :

5,099,400,000

5,002,800,000

Current liabilities                                 :

1,831,800,000

1,867,700,000

Non current liabilities                           :

1,621,900,000

1,772,500,000

Total liabilities                                    :

3,453,700,000

3,640,200,000

Share equity                                       :

1,645,700,000

1,362,600,000

Retained earning                                 :

1,727,900,000

1,499,700,000

 

Comments                                         :   The group’s consolidated financial information above relates to the Subject’s Ultimate Holding Company Avery Dennison Corporation and all its subsidiaries which include the Subject.

 

 


OPERATION DETAILS

 

Main activities    :   The Subject is engaged in manufacturing of adhesive labels used on packaging and other items. The Subject develops pressure-sensitive adhesives and self adhesive base materials. Its products include pressure-sensitive and non-adhesive coated papers, films and foils.

 

The Subject is ultimately owned by Avery Dennison Corporation.

 

Avery Dennison Corporation is a global manufacturer and distributor of pressure-sensitive adhesive materials (such as self-adhesive labels). The company is headquartered in Pasadena, California.

 

Avery Dennison Corporation is a Fortune 500 company with revenue around USD 6 billion in 2010.  Its pivotal line of products are found in its Pressure-Sensitive Materials segment, responsible for 54 percent of sales. The company employs 36,000 people worldwide, with manufacturing and distribution facilities in over 60 countries.

 

The company operates through 4 segments:

 

The Pressure-Sensitive Materials segment manufactures and sells pressure-sensitive roll-label materials, films for graphic applications, reflective highway-safety products, performance polymers, and extruded films.

 

The Office and Consumer Products segment manufactures and sells various office and consumer products, including labels, binders, dividers, sheet protectors, and writing instruments. It was announced January 3,

2012, that this division was being purchased by 3M for $550 million.

 

The Retail Information Services segment designs, manufactures, and sells various price-marking and brand-identification products, including tickets, graphic and barcode tags and labels, woven and printed labels, and related supplies and equipment.

 

Other Specialty Products segment provides automotive and industrial products, radio-frequency identification (RFID) tags and inserts, specialty tape, security printing and performance films.

 

Product & services         :   - Pressure-sensitive and non-adhesive coated papers, films and foils

- Self adhesive base materials

 

Brand                            :   Avery Dennison

Fasson

 

Purchases

 

Local                            :   Yes

 

International                            :   Worldwide

 

Sales

 

Local                            :   Yes

 

International                   :   Worldwide

 

 

Key events        :   Avery Dennison Corp Increases Quarterly Dividend

Tuesday, 31 Jan 2012

Avery Dennison Corp announced that the Board of Directors has increased its quarterly dividend. The Board declared a quarterly dividend of $0.27 per share, reflecting a $0.02, or 8%, increase over the previous quarterly dividend. The dividend is payable March 21, 2012 to shareholders of

record on March 7, 2012.

 

3M Company To Acquire Office And Consumer Products Business Of

Avery Dennison Corp. Tuesday, 3 Jan 2012

3M Company announced that it has entered into a definitive agreement to acquire the Office and Consumer Products business (OCP) of Avery Dennison Corp. for a total purchase price of $550 million in cash, subject to post-closing adjustments. The Office and Consumer Products business of Avery Dennison is the suppliers of office and education products, including labels, binders, presentation products, filing and indexing products, writing instruments, and other office and home organization products. The transaction is expected to be completed in the second half of 2012, subject to customary closing conditions including any necessary regulatory approvals.

 

Avery Dennison Corp. Teams With Plaxo, Inc

Friday, 18 Nov 2011

Avery Dennison Corp. announced that Plaxo, Inc., creators of an

easy-to-use online address book, announced it has teamed with the Office and Consumer Products Group of Avery Dennison, to offer the convenience of creating contact mailing labels quickly and easily. Plaxo has leveraged the Avery Design & Print Online program to offer Plaxo address book users the added value of printing out labels from their Plaxo personal and business contacts. Whether it is for personal use such as holiday cards, or business use such as shipping labels, the two companies have streamlined the mailing label process. Plaxo's address book data (business and/or home addresses) is seamlessly integrated into the Avery

Design & Print Online system and generates labels to a ready-to-print PDF.

 

Avery Dennison Corp. Declares Quarterly Dividend

Thursday, 27 Oct 2011

Avery Dennison Corp. announced that the Board of Directors of Avery Dennison Corporation declared a quarterly cash dividend of $0.25 per share. The dividend is payable on December 21, 2011 to all shareholders of record at the close of business on December 7, 2011.

 

Avery Dennison Corp. Lowers FY 2011 EPS Guidance

Wednesday, 26 Oct 2011

Avery Dennison Corp. announced that for fiscal 2011, it expects adjusted earnings per share (EPS) in the range of $2.15 and $2.30. According to I/B/E/S Estimates, analysts on an average were expecting the Company to report EPS of $2.52 for fiscal 2011.

 

Martha Stewart Living Omnimedia Announces Partnership With Avery

Dennison Corp. Thursday, 22 Sep 2011

Martha Stewart Living Omnimedia and Avery Dennison Corp. announced they have teamed together to create the Martha Stewart Home Office with Avery product line.

 

Avery Dennison Corp. Declares Quarterly Dividend

Wednesday, 27 Jul 2011

Avery Dennison Corp. announced that it has declared a quarterly cash dividend of $0.25 per share. The dividend is payable September 21, 2011, to shareholders of record as of the close of business on September 7,

2011.

 

Avery Dennison Corp. Lowers FY 2011 EPS Guidance

Tuesday, 26 Jul 2011

Avery Dennison Corp. announced that for fiscal 2011, it expects adjusted earnings per share (EPS) in the range of $2.45 and $2.75. According to I/B/E/S Estimates, analysts on an average were expecting the Company to report EPS of $3.85 for fiscal 2011.

 

Avery Dennison Corp.'s Avery Dennison Medical Solutions And Proteus Biomedical Launch Partnership

Tuesday, 7 Jun 2011

Avery Dennison Corp.'s Avery Dennison Medical Solutions and Proteus Biomedical, Inc. announced a partnership focusing on patch-based wearable sensors for consumer, home health care and remote medical applications. Financial terms were not disclosed. Proteus has developed a U.S. FDA 510K cleared and European Union CE Mark-certified personal monitoring device for continuous physiologic sensing and monitoring. Proteus and Avery Dennison Medical Solutions have joined forces to reduce cost, enhance wearability and commercialize this advanced platform. Proteus’ personal monitoring technology incorporates multiple sensors to monitor important physiologic parameters of interest to consumers and clinicians, including heart rate, physical activity and sleep patterns. Avery Dennison Medical Solutions is providing adhesive and material technologies and developing the manufacturing platform to mass produce the wearable sensors for the companies’ respective customers.

 

Avery Dennison Corp. Declares Quarterly Dividend

Thursday, 28 Apr 2011

Avery Dennison Corp. announced that it has declared a quarterly cash dividend of $0.25 per share. The dividend is payable June 15, 2011, to shareholders of record at the close of business on June 1, 2011.

 

Property & Assets

 

Premises          :   The Subject operates from head office located at the verified heading address consisting of production facilities, warehouse and administrative office.

Branches          :   In addition, the Subject operates from branch offices and production facility located at:

 

Production facility:

16 Hewittson Road

Elizabeth West, SA 5113

Australia

Tel: +61 8 82093201

 

Qld Distribution Centre

1/67 Colebard St W Acacia Ridge QLD 4110

Australia

Tel: +61 7 37151700

 

New South Wales Distribution Centre

Unit D, 21 Loyalty Road

North Rocks, NSW 2151

Australia

Tel: +61 2 8839 8100

 

Western Australia Distribution Center

2 Pavers Circle

Malaga, WA 6090

Australia

Tel: +61 8 9209 6400

SUMMARIZED COUNTRY RISK

 

Gross Domestic Products (GDP) & Economic Overview

 

Central bank                                          :   Reserve Bank of Australia

Reserve of foreign exchange & gold         :   US$ 43.879 billion

Gross domestic product - GDP               :   US$ 1.448 trillion

 

GPP (Purchasing power parity)               :   918.529 billion of International dollars

 

GDP per capita - current prices               :   US$ 64,351

 

GDP - composition by sector                  :   agriculture: 4.1% industry: 26% services: 70%

 

Inflation                                                 :   2008: 4.4%

2009: 1.8%

2010: 2.8%

 

Unemployment rate                                :   2008: 4.2%

2009: 5.6%

2010: 5.2%

 

Public debt

(General Government gross debt as a % GDP) :   2008: 11.6%

2009: 17.6%

2010: 22.3%

 

Government bond ratings                        :   Standard & Poor's: AAA/Stable/A-1+

Moody's rating: Aaa

Moody's outlook: STA

 

Market value of publicly traded shares      :   US$1.258 trillion

 

Largest companies in the country            :   Westpac Banking Group (Major Banks), BHP Billiton (Diversified Metals & Mining), Commonwealth Bank (Major Banks), National Australia Bank (Major Banks), ANZ Banking (Major Banks), Telstra (Telecommunications services), Wesfarmers (Food Retail)

 

 

Trade & Competitiveness Overview

 

Total exports                 :   US$210.7 billion

 

Exports commodities     :   coal, iron ore, gold, meat, wool, alumina, wheat

 

Total imports                 :   US$187.2 billion

 

Imports commodities      :   machinery and transport equipment, computers and office machines, telecommunication equipment and parts, crude oil and petroleum products

Export - major partners   :   Japan 18.9%, China 14.2%, South Korea 8%, US 6%, NZ 5.6%, India

5.5%, UK 4.2%

Import - major partners   :   China 15.5%, US 12.8%, Japan 9.6%, Singapore 5.6%, Germany 5.2%, UK 4.3%, Thailand 4.2%

 

FDI Inflows                    :   2008: US$46,722 million

2009: US$22,572 million

2010: US$32,472 million

 

FDI Outflows                  :   2008: US$32,819 million

2009: US$18,426 million

2010: US$26,431 million

 

Best countries for doing business:   10 out of 183 countries

 

Global competitiveness ranking   :   20 (ranking by country on a basis of 142, the first is the best)

 

 

Country and Population Overview

 

Total population :   22.23 million

Total area          :   7,692,024 km2

Capital              :   Canberra

Currency         :   Australian dollars (AUD)

Internet users as % of total population:   76.00%

 

 

PAYMENT HISTORY

 

Purchase Term

 

Local                                                 :   Prepayment, Cash against document, Credit up to 120 days

 

International                                       :   L/C, Cash against document, Credit up to 120 days

 

Sales Term

 

Local                                                 :   Prepayment, Cash against document, Credit up to 120 days

 

International                                       :   L/C, Cash against document, 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.49.25

UK Pound

1

Rs.77.45

Euro

1

Rs.64.89

 

 

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.