MIRA INFORM REPORT

 

 

Report Date :

20.02.2012

 

IDENTIFICATION DETAILS

 

Name :

OANDO ENERGY SERVICES LIMITED

 

 

Registered Office :

2, Ajose Adeogun Street, Victoria Island, Lagos State

 

 

Country :

Nigeria

 

 

Financials (as on) :

30.09.2011

 

 

Date of Incorporation :

18.01.2005

 

 

Com. Reg. No.:

RC: 614694

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Total Fluids Management (Drilling and Completion Fluids), Drill Bits & Engineering Services, Drilling Rigs Services.

 

 

No. of Employees :

Over 50                      

 

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 :

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)

Nigeria

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Company name 

 

OANDO ENERGY SERVICES LIMITED

 

 

OPERATIONS

 

The Company is engaged in Total Fluids Management (Drilling and Completion Fluids), Drill Bits & Engineering Services, Drilling Rigs Services.

 

 

COMPANY LOCATION

 

Subject is located at Zenon House (7th Floor), 2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria.

 

 

IDENTIFICATION

 

COMPANY NAME:                                 OANDO ENERGY SERVICES LIMITED

REGISTERED NAME:                            OANDO ENERGY SERVICES LIMITED

REGISTERED ADDRESS                       2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria

HEAD OFFICE ADDRESS:                     Zenon House (7th Floor), 2, Ajose Adeogun Street, Victoria Island,

                                                            Lagos State, Nigeria 

TELEPHONE:                                        234-1-2622311 – 4, 2715460-3 (Ext. 6515)

MOBILE:                                               234-8035505338

FAX:                                                     234-2622311

E-MAIL:                                                oesbd@oandoplc.com, info@oandoenergy.com

WEBSITE:                                            www.oandoplc.com/oando-energy-services/

 

Currency: All monetary quoted in this report are in Nigerian Naira, the local currency or unless otherwise stated. The exchange rate is N148 to 1 US $.

 

 

SUMMARY

 

NATURE OF PREMISES:                       Leased office space occupying approximately 5,500 square meters

DATE INCORPORATED                         18th January, 2005

LEGAL FORM:                                      Private Limited Company

REGISTRATION NO:                             RC: 614694

SHARE CAPITAL:                                 10,000,000.00

ISSUED CAPITAL:                                 5,000,000.00

PAID-UP CAPITAL:                               5,000,000.00              

STAFF STRENGTH:                              Over 50                       

 

 

OWNERSHIP/SHAREHOLDING STRUCTURE

 

  1. Tinubu Jubril Adewale                                                    

2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria

 

  1. Mr. Uche Dimiri

2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria

 

  1. Mrs. Olawunmi Asekun

2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria

 

  1. Mr. Olufemi Adeyemo

2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria

 

 

DIRECTORS  

                                                                                               

  1. Mr. Tinubu Jubril Adewale
  2. Mr. Uche Dimiri
  3. Mrs. Olawunmi Asekun
  4. Mr. Olufemi Adeyemo

 

 

MANAGEMENT TEAM

 

S/N

NAME

POSITION

1.

Mr. Jubril A. Tinubu

Chairman / Group C.E.O

2.

Mr. Uche Dimiri

Managing Director / C.E.O

3.

Mrs. Olawunmi Asekun

Executive Director (Finance)

4.

Mr. Dando Ahire

Chief Operating Officer (Rigs)

5.

Olusola Falodun

Fluids Manager

6.

Sam Umeh (KSC)

Drill Bits and Drilling System Manager

7.

Shola Ismail

Business Development Manager

 

MANAGEMENT TEAM

 

Mr. Uche Dimiri            -           (Managing Director/CEO)

Mr. Dimiri obtained a Bachelor's degree in Physics from the University of Lagos, Nigeria, in 1983, where he was a ChevronTexaco Scholar. In 1987, he obtained a Master's degree in Petroleum Engineering from the University of Port Harcourt, Nigeria.

Prior to joining Oando in 2007, Mr. Uche Dimiri served as the World Wide Directional Drilling Training Manager of Schlumberger D&M, England, and was responsible for implementing strategic directions for World Wide Directional Drilling Training.

 

Uche has 23 years of oil and gas industry experience, spanning engineering, measurements and logging, drilling, directional drilling, training and development, accounts management, operations and sales, and marketing with Schlumberger and Oando. He commenced his career with Schlumberger, Nigeria where he was, at various times, the Field Engineer, Drilling Engineer Directional Driller and Cell Manager responsible for all services at the well site from 1988 to 1995. In 1995, he served as a Field Service Manager and Location Manager in Warri, Delta State, Nigeria.

 

Between 1998 and 2000, he served as a Product Champion, Rotary Steerable Systems at Schlumberger D&M Headquarters in Houston, USA and moved to Schlumberger, Paris in 2000, where he worked as the Training Development and Staffing Manager for Europe, Africa and the then CIS. From 2003 to 2004 Mr. Dimiri served as the Operations Manager for North West Africa and was based in Equatorial Guinea with responsibility for operation in 6 countries.

 

In 2004, Mr. Dimiri moved back to Nigeria with the Oil Field Services unit of Schlumberger as the GeoMarket Accounts Manager for Shell as well as the Oil Field Services (OFS) Manager in Warri, Delta State, Nigeria, where he provided account management for all Schlumberger services to Shell, [Nigeria]. He then served as the Marketing Manager for the Nigeria GeoMarket from 2004 to 2006.

 

Mrs. Olawunmi Asekun            -           (Executive Director, Finance)

Olawunmi Asekun holds a Bachelors degree in Economics from the University of Lagos and is a Fellow of the Chartered Association of Certified Accountants (FCCA) and an Associate Member of the Institute of Chartered Accountants of Nigeria (ICAN).

 

Olawunmi has extensive finance and accounting experience in the oil and gas sector, which has been developed over the past 10 years, as she has acquitted herself favourably in various roles within the Oando Group. Prior to her new appointment with Oando Energy Service, Olawunmi was the Executive Director, Finance, Gaslink Nigeria Limited, a subsidiary of Oando plc, where she was involved with the Greater Lagos Gas supply project.  Before joining Oando in 2001, Olawunmi had worked with ExxonMobil, UK as well as Texas Utility (formerly Eastern Energy) also in the UK.

 

Mr, Dondo Ahire                      -           (Chief Operating Officers, Rigs)

Dondo Ahire is the Chief Operating Officer of Oando Energy Services overseeing the rigs business. A Geology graduate of Ahmadu Bello University Zaria, and holder of the Shell Round II Professional Drilling Engineering Certificate, Dondo has over to 28 years of experience in various aspects of the Oil and Gas Industry. He started his career with the Shell Petroleum Development Company as a Well-Site Petroleum Engineer and has worked with Shell Group in Nigeria, Saudi Arabia and The Netherlands. Before joining Oando in 2007, Dondo was in the position of Team Leader Well Operations.

 

Dondo's experience spans across various areas of Petroleum Engineering, Drilling Engineering, Internal Audits, and Safety. Throughout his career he has attended numerous training events on Risk Management, Business, Planning and Leadership.

 

Olusola Falodun                      -           (Fluids Manager)

Mr. Olusola Falodun is the Fluids Manager for Oando Energy Services. He assumed this position in March 2009. He completed his first degree in Chemical Engineering (1990) at the Obafemi Awolowo University, (formerly The University of Ife, Nigeria).   His compulsory one year National Youth Service programme was with Shell Petroleum Development Company in Warri in 1990-1991; where he was employed as a trainee petrophysicist.

 

Olusola's over fifteen years well rounded career began in 1991, when he was employed by Petrolog Nigeria Ltd, as a Mud Logging Engineer. In 1994, he was promoted to Base Supervisor where he led a team of 25 field staff and oversaw contracts, ensuring his team met management targets. In 1997, he moved to Baker-Hughes Inteq. Nig. Ltd as the Lead Engineer in Field Services, from there Olusola went to Halliburton in 1998 where he stayed until June 2006. He was promoted several times during this period, from field engineer in 1998-1999, to senior field engineer in 1999-2003; and finally Account Manager/Business Development from 2003 to 2006 before joining Oando Energy Services.

 

 

Olusola attended several training programmes and has authored several papers including "Optimal Horizontal Wellbore Placement Using New Drilling Technology in the Niger Delta" which was delivered in South Africa at the World Petroleum Congress, September 2005.

 

Sam Umeh (KSC)                     -           (Drill Bits and Drilling System Manager)

With a first degree in Electronic Engineering (1996) and a Masters in Engineering Management (2002) both from the University of Nigeria, Sam is an integral part of the OES Team. On the platform of Sam’s vast knowledge and experience in the Drilling Systems field, OES is in the final stage of setting up its Drilling System business which will take off in Q4 2009.

Sam Umeh (KSC) is currently the Drill Bits and Drilling Systems Manager. He started his career with Schlumberger Anadrill Nig. Ltd in 1996 as a LWD/MWD Maintenance Engineer.   His excellence resulted in many promotions within Schlumberger and culminated in attaining the position of Drilling Engineering Manger before joining Oando in May 2008.

 

Shola Ismail                -           (Business Development Manager)

Dr Shola Ismail was appointed Business Development Manager for Oando Energy Services in February 2009.  Her experience spans across various areas of power generation.

 

Following an internship at British Nuclear Fuels (BNFL) she has worked with Schlumberger Oilfield Services in Aberdeen as a Field Engineer, ARM Investment Managers as a Financial Analyst concentrating on energy related projects and more recently as a Sales & Marketing Engineer for Transocean Incorporated's Gulf of Guinea operations. 

 

She holds a Chemical Engineering with Environmental Protection Degree from Loughborough University and a PhD in Cleaner Coal Technologies from the University of Nottingham.

 

 

BACKGROUND

 

Oando Energy Services Limited (OESL) was incorporated on 19th January, 2005 as a private limited liability company under the Companies & Allied Matters Decree of 1990 with Registration Number (RC: 614694) with Share Capital of 10,000,000.00. The corporate office is located at Zenon House (7th Floor), 2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria.

 

 

Oando Energy Services Ltd (a subsidiary of OANDO PLC) is a major player in the oil and gas services industry distinguished for providing multiple value adding services to upstream oil and gas companies locally and internationally.  Oando Energy Services Limited (OESL) is an indigenous Energy Services Company with over 14 years experience in the provision of oilfield solutions in Nigeria. The company is committed to providing high quality services to its clients and ensures that its operations are carried out with strict adherence to world standard safety procedures. It prides itself in offering services and solutions that combine best practices, innovative technology, safety, high quality support and environmentally sound well site operations that enable customers increase efficiency, lower costs and increase asset value. OESL's strong technical partnerships with reputable companies ensure it provides expertise across its three business lines: Drilling & Completion Fluids Management, Drill Bits & Engineering Services and the provision of Drilling Rigs.

 

The Company was first incorporated as a privately owned company in 1994 under the name Ocean and Oil Services Limited, solely for the purpose of trading in petroleum products. By 2004, Ocean and Oil Services Limited in partnership with Halliburton commenced offering of Drilling and Completion Fluids services, delivering supply chain services to the following world class projects:

  • The provision of drilling and completion fluid Services to Esso Exploration and Production Nigeria Limited on the Erha Field Project
  • Chevron's Star Deepwater Nigeria Limited on the Agbami Field Project

 

In January 2005, the Company underwent re-organization and was rebranded to Oando Energy Services Limited. Later that year, OESL experienced significant growth in business when it moved up to offering Drill Bits and Engineering Services by virtue of Consignment Sales Distributor Agreement with Halliburton's Security DBS to upstream operators in Nigeria. This agreement allowed OESL to design well solutions to meet operators' requirements with the support of a reputable technical partner.

 

Oando has invested over US $250 million acquiring five Swamp Drilling Rigs namely Teamwork, Respect, Integrity, Passion and Professionalism. To complement their drilling rigs growth plan which involves acquiring two units every year till 2013, the Company has acquired a large base at the highly strategic Trans- Amadi Industrial Layout which is at the heart of oilfield operations in Port Harcourt. The 26,000 sqm of land is to serve as the operational base for its rigs business.

 

 

 

OESL currently has various ongoing long term commitments with six International Oil Companies in Nigeria. It is an integrated oilfield services company. In demonstration of their high level of technical capabilities, the company is currently executing several oilfield services contracts in Nigeria.

 

Oando Energy Services Limited, an oilfield services company, provides integrated oil and gas upstream services in Nigeria. It owns and operates oil drilling rigs. The company also provides rig drilling services; drill bit solutions for various oil companies; measurement and logging services while drilling; and directional drilling services. In addition, it offers drilling and completion fluids, and engineering services for the upstream industry. The company is based in Lagos and operates as a subsidiary of Oando PLC.

 

 

During our visit to the company on 14th February, 2012, we were denied access into the premises by the security officers at the entrance gate on hearing our mission. All efforts to speak with the company’s personnel proved abortive as none of them was willing to cooperate.

 

Note: The Company increased its Share Capital from 5,000,000.00 to 10,000,000 on 2nd February, 2010 and also paid its Annual Subscription from 2006 to 2009.

 

Conclusion: Based on available information and our visit to the company, we are of the opinion that the company is engaged on a legitimate business. As such, any business relationship with the company should be mutually beneficial.

 

PRODUCTS

 

·         Raw Material

·         Fuel and Fuel Additives and Lubricants and Anti Corrosive Materials

·         Fuels

·         Petroleum and Distillates

 

 

SERVICES

 

·         Drilling & Completion Fluids Management

·         Drill Bits Engineering Services & Drilling System

·         Rig Services

§         OES Teamwork

§         OES Respect

§         OES Integrity

§         OES Passion

§         OES Professionalism

 

 

RECORD PERFORMANCES

 

  • The OES, Security DBS bit, FMF2753 achieved the highest drill rate, 40% higher compared to the competition in the Amenam field using the Rotary Steerable Drilling System while maintaining directional control and achieving the clients drilling and geologic objectives
  • The bit, FMF3653Z, gave an unprecedented performance in the Ibewa field saving the Client more than 50hours of Rig time. This was achieved through proper planning, team effort and matched compatibility between the GeoPilot Rotary Steerable system and Security DBS bit
  • 12˝ FMF3643Z, drilled 6077ft at Unam field, achieving the longest footage in that section of the field in a single bit run
  • 8Ľ FMF3653Z, set an all time high footage and ROP performance in the Usari field when it drilled 5978ft in one bit run at an average penetration rate of 95fph
  • The OES, Security DBS bit, FM 2745 drilled the longest footage of 699m (approx. 2300ft) while drilling in the Amenam field using a steerable motor bottom hole assembly
  • The Security DBS 8˝ FM3655Z, set a new record in the EDOP field. The Bit drilled a total of 914m (3000ft) in 12.8ho

 

 

PARENT COMPANY

 

OANDO PLC (OANDO GROUP)

(5th, 7th-10th Floor), 2, Ajose Adeogun Street, Victoria Island, Lagos, Nigeria
Tel: 234-1-2702400        E-mail: info@oandoplc.com        Website: www.oandoplc.com

 

 

RELATED COMPANIES/DIVISION

 

·         OANDO MARKETING

(8th Floor), 2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria
Tel: 234-1-2601290-9,  2702400

E-mail: info@oandoplc.com              Website: www.oandoplc.com

 

·         OANDO TRADING

Thistle House, 4, Burnaby Street, Hamilton HM 11, Bermuda

Tel: 441 295 1443                Fax: 441 295 9246

 

·         OANDO SUPPLY AND TRADING

(10th Floor), 2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria
Tel: 234-1-2704400                          Fax: 234- 1 – 2696758

·         GASLINK

(5th Floor),  2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria
Tel: 234-1-2702794-5 (2 Lines)          Fax: 234- 1 – 2713403  

E-mail: info@gaslink.org                  Website: www.gaslink.org

 

 

 

·         OANDO GAS & POWER

(5th Floor),  2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria
Tel: 234-1-2702794-5 (2 Lines)          Fax: 234- 1- 2713403

 

·         OANDO EXPLORATION AND PRODUCTION

(5th Floor), 2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria
Tel: 234-1-2601293-5 (3 Lines), 4619882                   Fax: 234-1-2625467

 

 

LIAISON OFFICES

 

OANDO LTD

50 Curzon Street, W1J 7UW - First floor, London
Tel: 44-207-297-4280-7                           Fax: 44-207-499-5375
E-mail: info@oandolimited.co.uk

 

South Africa Address

Mettle House,  32, Fricker Road, Illovo, Johannesburg, South Africa

Tel: 011 268 6235

 

West African Operations (Oando Benin Republic)

OIBP 1093, Recette Principale Cotonou

Tel: 299-313679

 

Oando Ghana

B35, Augostino Neto Road, Airport Residential Area, Accra, Ghana

Tel: 233-21-761196, 761520

 

Oando (Togo) S.A.

142, Rue 42, Enface De L’Hotel, Sakarawa Ablogame, Lome, Togo

Tel: 228-227-5-46, 227-04-22

 

 

 

BRANCHES

 

ABUJA OFFICE AREA

Plot 252, Central Business District, Opp. NNPC Towers,

Federal Capital Territory, Abuja, FCT, Nigeria

Tel: 234-9-5235458-9 (2 Lines)

 

Plants/Terminals (Apapa Terminal)

Terminal Office,

Kayode Street, Marine Beach, Apapa, Lagos State, Nigeria

Tel: 234-1-5870218

 

 

Lagos Aviation Terminal

Oando Aviation

Muritala Mohammed Local Airport, opposite Aero Contractors, Ikeja, Lagos State, Nigeria

Tel: 234-1-4975888

 

 

Abuja Aviation Terminal

Oando Aviation

Behind Julius Berger Yard, Nnamdi Azikwe International Airport, Abuja, FCT, Nigeria

 

Bitumen Plant

C/o Oando Division Office

Reclamation Road, Port Harcourt, Rivers State, Nigeria

Tel: 234-84-234516

 

Lubricant Blending Plant

Rido Village, off Kachia Road, PMB 2110, Kaduna State, Nigeria

Tel: 234-62-516128, 236282

 

Onne Tank Terminal

Onne Terminal, Oando Plc

Onne-NPA (fit) Road, Onne Oil and Gas Free Zone, Port Harcourt, Rivers State, Nigeria

Tel: 234-84-579940

 

 

ALLIANCES

 

·         Baker Hughes Company Limited

·         Halliburton Energy Services Inc.

·         Axxis Drilling Inc.

 

MISSION

 

The supplier of choice for products and services in the Upstream Oil and Gas Industry

 

 

VISION

 

To be the preferred value-adding integrated oil field services provider to the Sub-Saharan Upstream Oil Sector.

 

 

TYPES OF CUSTOMERS

 

General Public, Group of Companies, Corporate Organisations, Oil & Gas Majors etc.

 

 

PERFORMANCE RANKING

 

* Quality of Management:          VERY GOOD

* Ethics & Integrity:                   GOOD

* Ownership Structure:               VERY GOOD

 

 

PHYSICAL VISIT

 

  1. Company Premises 
  2. Corporate Affairs Commission

 

 

FINANCES

 

OANDO ENERGY BALANCE SHEET 30TH SEPTEMBER 2011/2010

                                                             30/9/2011                                 30/9/2010 

                                                                 2011                                        2010                         

                                                              N’Million                                N’Million                                             

Fixed Assets                                         163,182                         137,375

Other Assets                                           60,117                                      47,297

                                                            223,299                         185,672

Less: Current Liabilities                          (16,143)                                    (15,142)

                                                            207,156                         169,530

 

FINANCED BY:

Share Capital & Reserves                         99,730                                      77,720

Long Term Borrowings                           95,583                                        84,485

Other Long Term Liabilities                       11,843                                        7,345

                                                            207,156                         169,530

 

CONSOLIDATED PROFIT AND LOSS ACCOUNT

                                                             30/9/2011                                 30/9/2010 

                                                                 2011                                        2010                         

                                                            N’Million                                  N’Million

Turnover                                                392,304                                    277,524

Cost of Contract                         (342,665)                                   (254,394)

Gross Profit                                              49,639                                      43,588

Operating Expenses                                 (27,073)                                    (23,130)

Other Operating Income                           8,432                                        8,509

Earnings before Interest & Tax                30,998                                      28,967

Profit before Taxation                                 19,367                                      13,948

Provision for Taxation                               (9,200)                                       (6,384)

Profit after Taxation                                   10,167                                       7,654

 

COMMENT

 

The Company submitted third (3) quarter results which underscores the leverage of the strength and uniqueness of its diversified business model. The company’s turnover rose from N137.3 million in 2010 to N163.2 million in 2011.

 

These incremental changes affected the profitability margin positively. Till date, the company has financial strength to redeem its short term debt and continue in business.

 

The company anticipate a robust financial year end as the government policy continue favouring its operation by encouraging local contractors

 

In conclusion, the result is satisfactory.

 

 

INDUSTRIAL OVERVIEW/ OPERATING ENVIRONMENT

 

Subject is operating in an industry with very great potentials. With the Local Content Initiative of the supervising agency, Nigerian indigenous companies now have exclusive rights up-to 30% of all contracts awarded within the oil & gas industry.  In cases where local expertise is lacking indigenous companies are encouraged to enter into technical partnership with foreign firms.  With this innovation, local indigenous companies now have regular access to bids and can also benefit from the transfer of technology and expertise from their foreign technical partners. The Gas sector according to the recent World Bank estimate is worth $ 284 million and it has the capacity for a 10% growth in the next three years. The current low supply of LPG of about 0.5kg/h/yr from Nigeria to West African Sub- Region as against the West African Average of 3.7kg/h/yr, gives room for more investors and expertise.

 

This sector of the economy has great potentials for intending investors.

 

 

CMT REPORT

 

(Corruption, Money Laundering & Terrorism)

Public Notice from various sources including but not limited to: The Courts, Nigerian Prison Service, Economic & Financial Crimes Commission (EFCC), National Drug Law Enforcement Agency (NDLEA), National Agency for Food & Drugs administration and Control (NAFDAC), Independent Corrupt Practices and Other Related Offences Commission (ICPC) Etc.

 

No negative information on subject from the above agencies as at the time of compiling this report.

 

OFFICIAL REMARKS

Having carried out all necessary verifications on subject, our investigations revealed that Oando Energy Services Limited is duly registered in Nigeria, with a Registered Address located at Zenon House (7th Floor), 2, Ajose Adeogun Street, Victoria Island, Lagos State, Nigeria, while the corporate office is located at the same address.

 

Subject is into genuine business transactions.  Subject is an on-going concern. 

 

All information contained in the report is from secondary sources only.

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.49.21

UK Pound

1

Rs.77.75

Euro

1

Rs.64.58

 

 

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.