MIRA INFORM REPORT

 

 

Report Date :

16.02.2012

 

IDENTIFICATION DETAILS

 

Name :

WESFARMERS CURRAGH PTY LTD

 

 

Registered Office :

C/O Wesfarmers Limited Level 11, Wesfarmers House, 40 The Esplanade

 

 

Country :

Australia

 

 

Financials (as on) :

30.06.2011

 

 

Date of Incorporation :

12.01.1989

 

 

Com. Reg. No.:

009362565

 

 

Legal Form :

Australian Proprietary Company

 

 

Line of Business :

Retail, coal mining, gas processing and distribution, insurance, chemicals and fertilizers

 

 

No. of Employees :

400 employees

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limit :

USD 3,000,000

Status :

Good

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                :   WESFARMERS CURRAGH PTY LTD

Business address          :   'Central Plaza 1' Level 31

345 Queen Street

Town                             :   Brisbane

Province                        :   Queensland

Zip/postal code              :   4000

Country                         :   Australia

Tel                                :   +61 7 30317777

Fax                               :   +61 7 32117908

Website                                    :   www.curragh.com.au

 

Registered address        :   C/o WESFARMERS LIMITED Level 11, Wesfarmers House

40 The Esplanade

Town                             :   Perth

Province                        :   Western Australia

Zip/postal code              :   6000

Country                         :   Australia

Postal address              :   GPO Box 51

Town                             :   Brisbane

Province                                  :   Queensland

Zip/postal code              :   4000

Country                                                           :   Australia

 

 

SUMMARY DETAILS

 

Executive Summary

 

Date founded or registered          :   12/01/1989

Legal form                                 :   Australian Proprietary Company

Chief executive                          :   Rodney Neville Bridges

Issued & paid up capital             :   AUD 2

Sales turnover                            :   AUD 54,875,000,000 (Group-consolidated 12 months, 30/06/2011)

Net income                                :   AUD 1,922,000,000 (Group-consolidated 12 months, 30/06/2011)

Total fixed assets                       :   AUD 40,814,000,000 (Group-consolidated 12 months, 30/06/2011)

Line of business             :   Operation of the Curragh Mine.

Staff employed                                                                        :   400 employees (Subject); 200,000 (Wesfarmers Group)

 


 

Company Analysis

 

Country risk                               :   Country risk is minimal

Operation trend                          :   Operational trend is progressing

Management experience :   Management is adequately experienced

Financial performance                :   Financial performance is very good

Organization structure                :   Organizational structure is stable

Detrimental                    :   No detrimental records found

Payment history                                    :   No payment delays noted

Credit amount suggestion     :   USD 3,000,000

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                                                :   12/01/1989

Legal form                                                         :   Australian Proprietary Company

Registration no  Australian Company Number       : 009362565

Registered authority                                           :   Australian Securities & Investments Commission

Fiscal/ Tax no                                                    :   Australian Business Number: 90009362565

Registry status                                                  :   Live/Active

Previous name                                                   :   WESFARMERS COAL HOLDINGS PTY LTD (until 10-11-2000) WESFARMERS NITROGEN COMPANY PTY LTD WESFARMERS LPG FINANCE PTY LTD

BACKWELL HOLDINGS PTY LTD (initial)

Change of legal form                                                                                     :   None reported.

 

 

MANAGEMENT / DIRECTORS

 

Key Management

 

Name                :           Stewart Anthony Butel

Designation       :           Chief Executive Officer

 

Name                :           Rodney Neville Bridges

Designation       :           General Manager

 

Name                :           Michael Garth Ball

Designation       :           Director

 

Name                :           Michael William Dixon

Designation       :           Director

 

Name                :           William Roderick Ash

Designation    :                       Director

 

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

 

Name                            :           Richard James Barr Goyder

Designation                   :           Director

Appointment date           :           01/07/02

Address                        :           C/o WESFARMERS LIMITED Level 11, Wesfarmers House

40 The Esplanade

Perth, WA 6000

Australia

Biography                      :           Born on 18-01-1960 in Tambellup, Western Australia, Australia.

 

Mr. Richard Goyder serves as Chief Executive Officer, Group Managing Director, Executive Director of Wesfarmers Limited. He holds a Bachelor of Commerce degree from the University of Western Australia and has completed the Advanced Management Program at the Harvard Business School. He held a number of positions with Tubemakers of Australia, particularly business development roles, before joining Wesfarmers in 1993. He is a director of Gresham Partners Holdings and a number of Wesfarmers group subsidiaries and related companies.

 

Name                            :           Rodney Neville Bridges

Designation                   :           Director

Appointment date           :           13/06/07

Address                        :           3 Arran Avenue

Hamilton, QLD 4007

Australia

 

Biography                               :                       Born on 27-02-1957 in Sydney, New South Wales, Australia.

 

 

Name                            :           Stewart Anthony Butel

Designation                   :           Director

Appointment date           :           17/06/05

Address                        :           18 Incana Street

Chapel Hill, QLD 4069

Australia

 

Biography                      :           Born on 08-01-1956 in Sydney, New South Wales, Australia.

 

Mr. Stewart A. Butel serves as Managing Director of Wesfarmers Resources of Wesfarmers Limited. He holds a Bachelor of Science (Geology), Graduate Diploma in Business, Diploma of Mining, and has completed the Advanced Management Program at Harvard Business School. In addition he holds both NSW and QLD Mine Managers Certificates. He has worked in the coal mining industry in New South Wales, Queensland and Western Australia. He joined Wesfarmers in 2000 following Wesfarmers' acquisition of the Curragh mine. In June 2002 he was appointed Managing Director of Wesfarmers Premier Coal and in April 2005 became Director Coal Operations for Wesfarmers Energy. He was appointed Managing Director of Wesfarmers Resources (formerly Wesfarmers Coal) in September 2006. He is a director of a number of Wesfarmers subsidiaries and is also on the board of the Queensland Resources Council. He was previously on the Executive Council of the WA Chamber of Mines and Energy and served on the South West Development Commission in Western Australia.

 

Name                            :           Michael Garth Ball

Designation                   :           Director

Appointment date           :           29/02/08

Address                        :           72 Twickenham Street

Chelmer, QLD 4068

Australia

Biography                      :           Born on 04-01-1967 in Sydney, New South Wales, Australia.

 

 

Name                            :           Terence James Bowen

Designation                   :           Director

Appointment date           :           01/05/09

Address                        :           C/o WESFARMERS LIMITED Level 11, Wesfarmers House

40 The Esplanade

Perth, WA 6000

Australia

 

Biography                      :           Born on 24-12-1966 in London, United Kingdom.

 

Mr. Terry J. Bowen is the Finance Director, Executive Director of Wesfarmers Limited. He appointed in 2009 as an executive director (non-independent). He holds a Bachelor of Accountancy degree and is a Fellow of CPA Australia. He has held a number of finance positions with Tubemakers of Australia Ltd, culminating in his appointment as General Manager Finance. He joined Wesfarmers in 1996 and undertook various roles with Wesfarmers Landmark, where he was appointed Chief Financial Officer, until its acquisition by AWB Limited in 2003. He was then appointed the inaugural Chief Financial Officer for Jetstar Airways, prior to rejoining Wesfarmers as Managing Director, Wesfarmers Industrial and Safety in November 2005. He became Finance Director, Coles in 2007, and was appointed Finance Director, Wesfarmers in May 2009. He is also a director of Gresham Partners Holdings Ltd, the Western Australian Opera Company Incorporated, the Western Australian Institute for Medical Research Incorporatedand a number of Wesfarmers Group subsidiaries. He is a member of both the National Executive of the Group of 100 Inc and Curtin University School of Accountancy Advisory Board.

 

Name                            :           Michael William Dixon

Designation                   :           Director

Appointment date           :           29/06/10

Address                        :           62 Rennie Street

Indooroopilly, QLD 4068

Australia

 

Biography                      :           Born on 04-09-1975 in Perth, Western Australia, Australia.

 

Name                            :           William Roderick Ash

Designation                   :           Director

Appointment date           :           29/06/10

Address                        :           434 Grandview Road

Pullenvale, QLD 4069

Australia

Biography                      :           Born on 26-01-1952 in Sydney, New South Wales, Australia.

 

 

Name                            :           Robert Brenchley

Designation                   :           Director

Appointment date           :           17/06/05

Address                        :           Hong Kong

Biography                      :           Born on 05-05-1959 in Manly, New South Wales, Australia.

 

 

Name                            :           Linda Jayne Kenyon

Designation                   :           Company Secretary

Appointment date           :           13/03/07

Address                        :           C/o WESFARMERS LIMITED Level 11, Wesfarmers House

40 The Esplanade

Perth, WA 6000

Australia

 

Biography                               :                       Born on 25-04-1959 in Subiaco, Western Australia, Australia.

 

Ms. Linda J. Kenyon serves as Company Secretary of Wesfarmers Limited since April 2002. She holds Bachelor of Laws and Bachelor of Jurisprudence degrees from the University of Western Australia and is a Fellow of the Institute of Chartered Secretaries. She joined

Wesfarmers in 1987 as legal counsel and held that position until 2000 when she was appointed Manager of Bunnings Property

Management Limited, the responsible entity for the listed Bunnings Warehouse Property Trust. She is also Company Secretary of a number of Wesfarmers Group subsidiaries.

 

 

Staff employed               :           400 employees (Subject); 200,000 (Wesfarmers Group)

 

 

Key Advisors

 

Auditors            :           ERNST & YOUNG Ernst & Young Building

11 Mounts Bay Road

Perth, WA 6000

Australia

 

SHARE CAPITAL

 

Composition

 

Authorized Capital          :   AUD 2

No of shares                  :   2 Ordinary Shares

Share par value              :   AUD 1

Issued capital                :   AUD 2

Paid up capital                                                :   AUD 2

 

 

OWNERSHIP / SHAREHOLDERS

 

How listed                     :   Full List

Composition

Shareholder name          :   WESFARMERS LIMITED

Address                        :   Level 11, Wesfarmers House

40 The Esplanade

Perth, WA 6000

Australia

 

No. of shares                 :   2 Ordinary Shares

% of shares                            :   100%

 

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

 

Structure

 

Name                :   WESFARMERS LIMITED

Affiliation type    :   Parent Company

Address            :   Level 11, Wesfarmers House

40 The Esplanade

Perth, WA 6000

Australia

 

Comments        :   Wesfarmers Limited engages in retail, coal mining, gas processing and distribution, insurance, chemicals and fertilizers, and industrial and safety product distribution activities. The company operates 741 supermarkets, including BI-LO branded stores; 785 liquor stores trading as Liquorland, Vintage Cellars, and 1st Choice Liquor Superstores brand names; 93 hotels; 620 fuel and convenience store outlets under Coles Express brand name; and an online supermarket. It also retails and supplies home improvement and outdoor living products, building materials, and office and technology products. In addition, the company offers clothing and home ware through 291 Target and Target Country stores; sells apparel and general merchandise, including garden, home, health and beauty, outdoor living, entertainment, toys and sporting, camping and fishing, and automotive products, as well as men’s, women’s, and children’s wear through 186 Kmart stores; engages in automotive service, repair, and tire businesses through 251 Kmart Tyre and Auto Service stores; is involved in open-cut mining business; produces metallurgical and steaming coal with mining interests in Australia; and provides insurance broking, underwriting, and financial services to individual, SME, and corporate clients. Further, it manufactures and supplies chemicals, including ammonia, ammonium nitrate, sodium cyanide, polyvinyl chloride resin, and wood-plastic composite products; manufactures, imports, and distributes phosphate, nitrogen, and potassium based fertilizers; produces, distributes, and markets LPG; and offers industrial and safety products and services. Additionally, the company provides investment banking advisory and structured finance services; manages investment funds in private equity and property; and operates a softwood sawmill. It primarily operates in Australia and New Zealand. The company was founded in 1914 and is based in Perth, Australia.

Name                :   CURRAGH QUEENSLAND MINING PTY LTD

Affiliation type    :   Subsidiary

Address            :   Hibiscus Crescent

Blackwater, QLD 4717

Australia

 

Name                :   CURRAGH COAL SALES CO. PTY. LTD.

Affiliation type    :   Subsidiary

Address            :   'Central Plaza 1' Level 31

345 Queen Street

Brisbane, QLD 4000

Australia

 

Name                :   KMART AUSTRALIA LIMITED

Affiliation type    :   Sister Company

Address            :   Level 3, 690 Springvale Road

Mulgrave, VIC 3170

Australia

 

Name                :   COLES GROUP LIMITED

Affiliation type    :   Sister Company

Address            :   800 Toorak Road

Hawthorn East, VIC 3123

Australia

 

Name                :   TARGET AUSTRALIA PTY LTD

Affiliation type    :   Sister Company

Address            :   12-14 Thompson Road

North Geelong, VIC 3215

Australia

 

Name                :   WESFARMERS RESOURCES LIMITED

Affiliation type    :   Sister Company

Address            :   'Central Plaza 1' Level 31

345 Queen Street

Brisbane, QLD 4000

Australia

 

Name                :   OAMPS (UK) LIMITED

Affiliation type    :   Sister Company

Address            :   Windsor House

High Street, Esher

Surrey KT10 9RY United Kingdom

 

Name                :   BENGALLA MINING COMPANY PTY LIMITED

Affiliation type    :   Sister Company

Address            :   Bengalla Road

Muswellbrook, NSW 2333

New South Wales

Australia

 

Name                :   LUMLEY GENERAL INSURANCE (NZ) LIMITED

Affiliation type    :   Sister Company

Address            :   Level 21, Lumley Centre

88 Shortland Street

Auckland

New Zealand

Related companies and corporate affiliations comments

 

 

BANK & MORTGAGES

 

Bank Details

 

Name of bank    :   National Australia Bank Limited

 

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     :   None reported.

 

Legal Fillings

Bankruptcy fillings          :   None reported.

Court judgements           :   None reported.

Tax liens                       :   None reported.

Others                          :   None reported.

 

 

FINANCIAL DATA

 

Description

 

Source of financial statement      :   Public Record Sources

Financial statement date            :   30/06/11

Type of accounts                       :   Full audited

Currency                                   :   Australia Dollar (AUD)

Exchange rate                           :   1 USD = AUD 0.94 as of 14-02-2012

 

Summarized Financial Information

Consolidation type                                          :   Group Consolidated                 Group Consolidated

Currency                                                         :   Australia Dollar (AUD)  Australia Dollar (AUD)

Denomination                                                 :   (x1) One                                 (x1) One

Date of financial year end      :   30/06/11                                 30/06/10

 

Length of accounts                                         :   12 months                               12 months

 

Sale turnover / Income                                   :   54,875,000,000                        51,827,000,000

 

Profit before tax                                                                      :   2,706,000,000             2,215,000,000

 

Net income                                                     :   1,922,000,000             1,565,000,000

 

Non current assets                                        :   30,596,000,000                        29,562,000,000

 

Current assets                                                                       :   10,218,000,000                        9,674,000,000

 

Inventories                                                      :   4,987,000,000             4,658,000,000

 

Total assets                              :   40,814,000,000                                       39,236,000,000

 

Current liabilities            :

8,722,000,000

7,852,000,000

Non current liabilities      :

6,763,000,000

6,690,000,000

Total liabilities    :

15,485,000,000

14,542,000,000

Share equity      :

25,329,000,000

24,694,000,000

Retained earning            :

1,774,000,000

1,414,000,000

 

Comments        :   The group’s consolidated financial information above relates to the Subject’s Parent / Ultimate Holding Company Wesfarmers Limited and all its subsidiaries which include the Subject.

 

 

OPERATION DETAILS

 

Main activities    :   The Subject is engaged in the operation of the Curragh Mine and covers an area of approximately 12,600 hectares in Bowen Basin of Central Queensland, 14 kilometers north-wesr of Blackwater and approximately

200 kilometers west of Rockhampton.

 

The Curragh Mine predominantly produces a low-ash, low volatile hard coking coal and PCI coal products for export metallurgical markets, as well as a steam coal for domestic power utility markets.

 

The Subject is part of Wesfarmers Limited, which is an Australia based company. The Company’s principal activities are retailing operations, including supermarkets, general merchandise and specialty department stores; fuel, liquor and convenience outlets; retailing of home improvement and outdoor living products and supply of building materials; retailing of office and technology products; coal mining and production; gas processing and distribution; insurance; industrial and safety product distribution; chemicals and fertilizers manufacture, and investments. It operates in 10 segments: coles; home improvement and office supplies; resources; insurance; KMART; Target; industrial and safety; energy; chemicals and fertilizers, and other. During the fiscal year ended June 30, 2010, the Company operated 742 supermarket stores, 766 liquor outlets and 96 hotels.

 

Purchases

 

Local    :   Yes

 

International       :   Asia, Europe

 

Sales

 

Local    :   Yes

 

International       :   Japan, South-East Asia, Europe and South America

 

Key events        :   Wesfarmers Curragh Pty Ltd. Reports Production Results for the Quarter and Full Year to Date Ended December 31, 2011

01/17/2012

Wesfarmers Curragh Pty Ltd. reported production results for the quarter and full year to date ended December 31, 2011. For the quarter, the company reported metallurgical coal of 1,567,000 tonnes and steaming cola of 640,000 tonnes compared to metallurgical coal of 1,736,000 tonnes and steaming cola of 644,000 tonnes a year ago. For the year to date, the company reported metallurgical coal of 5,350,000 tonnes and steaming cola of 2,493,000 tonnes compared to metallurgical coal of 6,272,000 tonnes and steaming cola of 2,648,000 tonnes a year ago.

 

Wesfarmers Curragh Pty Ltd. Announces Production Results for the

Quarter and Year-to-Date Ended June 30, 2011

07/20/2011

Wesfarmers Curragh Pty Ltd. announced production results for the quarter and year-to-date ended June 30, 2011. Coal production for the quarter was

 

 

1,906,000 tonnes (comprising 1,253,000 tonnes of metallurgical coal and

653,000 tonnes of steaming coal), 28.4% higher than the previous quarter. Metallurgical coal production increased by 24.1% and steaming coal production increased by 37.5% compared to the previous quarter due to improved pit access and mining rates associated with the recovery from significant flooding experienced during the previous quarter. In 2010 June quarter, Coal production was 2,298,000 tonnes (comprising 1,612,000 tonnes of metallurgical coal and 686,000 tonnes of steaming coal). For

year-to-date, coal production was 7,853,000 tonnes (comprising 5,383,000 tonnes of metallurgical coal and 2,470,000 tonnes of steaming coal) against 9,083,000 tonnes (comprising 6,613,000 tonnes of metallurgical coal and 2,470,000 tonnes of steaming coal) a year ago period.

 

Property & Assets

 

Premises          :   The Subject operates from head office located at the verified heading address consisting of administrative office.

Branches          :   In addition, the Subject operates from mine operations town office located at:

 

Hibiscus Crescent (PO Box 322) Blackwater QLD 4717

Australia

Tel: +61 7 49869383

 

 


 

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%

4.1% industry: 26%

services: 70%

 

Inflation                                                 :   2008: 4.4%

2009: 1.8%

2010: 2.8%

 

Unemployment rate                                :   2008: 4.2%

2009: 5.6%

 

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

 

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                            :   Cash against document, Bank transfer, Credit up to 120 days

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

 

Sales Term

Local                            :   Cash against document, Bank transfer, 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.