MIRA INFORM REPORT

 

 

Report Date :

23.07.2012

 

IDENTIFICATION DETAILS

 

Name :

MASCHINENFABRIK RIETER AG

 

 

Registered Office :

Klosterstrasse 20 8406 Winterthur

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

01.07.1952

 

 

Com. Reg. No.:

020.3.916.776-1 / 153459

 

 

Legal Form :

Company limited by shares

 

 

Line of Business :

Manufacture of machinery for textile, apparel and leather production

 

 

No. of Employees :

1'300

 

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 – March 31st, 2012

 

Country Name

Previous Rating

(31.12.2011)

Current Rating

(31.03.2012)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


Company name and address

 

Maschinenfabrik Rieter AG

 

Operating address:

Klosterstrasse 20

8406 Winterthur

Switzerland/CH

 

Telephone:                    052 2087171

Fax:                             052 2087100

 

Web site:                      http://www.rieter.com

E-mail:                         info@rieter.com

 

VAT-No.:                      CHE105788761

 

 

Profile

 

Established:                  1795

History:                        1795:      Established as J.J. Rieter Baumwoll- und Kolonialwarenhandel

Line of Business:           Machinery

Industry Division:           Manufacturing

Industry-code (NACE):   2894       Manufacture of machinery for textile, apparel and leather production

Import/Export:               Export

Banks:                         UBS Ltd

                                    CS Credit Suisse

 

 

Operational Figures

 

Coverage:                     Company

Figures:                        approximately

Employees:                  1'300

Sales:                          CHF 280'000'000.--

 

 

Activity

 

Rieter is a leading supplier on the world market for textile machinery and components used in short staple fiber spinning. The company develops and manufactures systems, machinery and technology components used to convert natural and manmade fibers and their blends into yarns. Rieter is the only supplier worldwide to cover spinning preparation processes as well as all four final spinning processes currently established on the market. The company has 18 manufacturing locations in 9 countries.

 

 

Real Estate

 

Real Estate:                  The company owns extensive property.

 

 

Company Register

 

Company No:                020.3.916.776-1 / 153459

Legal form:                    Company limited by shares

Registration:                 01.07.1952

Legal status:                 active

Responsible Register:    Handelsregister des Kantons Zürich (since 07.05.1985)

History:                        Date of Statutes: 31.03.2009

                                    Date of Statutes: 30.10.2008

                                    Date of Statutes: 10.03.2004

                                    Date of Statutes: 21.08.1995

                                    Date of Statutes: 29.04.1985

 

Entry          Deleted      Name

active                           Maschinenfabrik Rieter AG

active                           Rieter Machine Works Ltd (Name translated)

active                           Ateliers de Construction Rieter SA (Name translated)

active                           Fabbrica di Macchine Rieter SA (Name translated)

active                           Fàbrica de Máquinas Rieter SA (Name translated)

 

Entry          Deleted      Legal domicile

active                           Winterthur, Switzerland

 

Entry          Deleted      Address

active                           Klosterstrasse 20, 8406 Winterthur/ZH, Switzerland/CH

 

Entry          Deleted      Capital

09.07.2004                    Share Capital CHF 8'500'000, paidup CHF 8'500'000

 

Entry          Deleted      Capital Structure

09.07.2004                    85'000 Registered shares of CHF 100.--

 

Entry          Deleted      Activity (original Language)

20.04.2009                    Die Gesellschaft bezweckt den Betrieb einer Maschinenfabrik und Handelsunternehmung in Winterthur und an anderen Orten, den Erwerb von und Handel mit Patenten, Muster- und Modellrechten, Marken und anderen immateriellen Gütern, die Erstellung von Studien über Beratung bei der Erstellung und dem Betrieb von Anlagen und Vorgängen auf technischem Gebiet. Die Gesellschaft kann sich an anderen Industrie- und Handelsunternehmen beteiligen sowie im In- und Ausland Zweigniederlassungen errichten und Tochtergesellschaften gründen. Die Gesellschaft kann Verwaltungsdienstleistungen für Dritte übernehmen. Die Gesellschaft kann alle kommerziellen, finanziellen und anderen Tätigkeiten ausüben, welche mit dem Zweck der Gesellschaft im Zusammenhang stehen. Sie kann überdies anderen Gruppengesellschaften des Rieter-Konzerns Darlehen oder andere Finanzierungen gewähren und für Verbindlichkeiten von solchen Gruppengesellschaften Sicherheiten aller Art stellen, einschliesslich mittels Pfandrechten an oder fiduziarischen Übereignungen von Aktiven der Gesellschaft oder Garantien jedwelcher Art. Die Gesellschaft kann Grundstücke im In- und Ausland erwerben, verwalten und veräussern.

                  20.04.2009  Betrieb einer Maschinenfabrik und Handelsunternehmung in Winterthur und an anderen Orten, Erwerb von und Handel mit Patenten, Muster- und Modellrechten, Marken und anderen immateriellen Gütern, Erstellung von Studien über Beratung bei der Erstellung und dem Betrieb von Anlagen und Vorgängen auf technischem Gebiet; kann sich an anderen Industrie- und Handelsunternehmen beteiligen, Verwaltungsdienstleistungen für Dritte übernehmen sowie Grundstücke erwerben, verwalten und veräussern.

 

 

Official Administration

 

Title                                           Name

President                                    Peter Gnägi, Origin: Schwadernau, Switzerland, Residential address: Stäfa, Switzerland, born: 02.07.1954, joint signature of two

Executive Director                        Thomas Anwander, Origin: Winterthur, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, born: 19.02.1960, joint signature of two

Executive Director                        Joris Gröflin-Liebherr, Origin: Basel, Switzerland, Residential address: 8000 Zürich/ZH, Switzerland, joint signature of two, Registered since: 28.06.2011

 

 

Management

 

Title                                           Name

Member of the management         Reto Thom, Origin: Susch, Switzerland, Residential address: Seuzach, Switzerland, born: 04.01.1959, joint signature of two

Member with signing authority       Markus Bischof, Origin: Eggersriet, Switzerland, Residential address: Kaltbrunn, Switzerland, joint signature of two, Registered since: 02.02.2012

Member with signing authority       Troy Michael Cooley, Origin: Germany, Residential address: Aristau, Switzerland, joint signature of two, Registered since: 26.06.2012

Member with signing authority       Martin Deflorin, Origin: Disentis/Mustér, Switzerland, Residential address: Stäfa/ZH, Switzerland, joint signature of two, Registered since: 02.02.2012

Member with signing authority       Niklaus Heimberg, Origin: Oberwil im Simmental, Switzerland, Residential address: Iseltwald, Switzerland, joint signature of two, Registered since: 15.11.2011

Member with signing authority       Stephan Jost, Origin: Fahrni, Switzerland, Residential address: Rapperswil-Jona/SG, Switzerland, joint signature of two, Registered since: 02.02.2012

Member with signing authority       René Meier, Origin: Baldingen, Switzerland, Residential address: Wiesendangen, Switzerland, joint signature of two, Registered since: 02.02.2012

Member with signing authority       Lars Olböter, Origin: Germany, Residential address: Sankt Augustin , Germany, joint signature of two, Registered since: 15.11.2011

Member with signing authority       Andreas Parpan, Origin: Vaz/Obervaz, Switzerland, Residential address: Jenins, Switzerland, joint signature of two, Registered since: 20.03.2012

Member with signing authority       Fabio Patera, Origin: Zürich, Switzerland, Residential address: Rümlang/ZH, Switzerland, joint signature of two, Registered since: 05.06.2012

Member with signing authority       Sonja Rothenberger, Origin: Zürich, Switzerland, Residential address: Münsterlingen, Switzerland, joint signature of two, Registered since: 02.02.2012

Member with signing authority       Thomas Stäubli, Origin: Magden, Switzerland, Residential address: Magden, Switzerland, joint signature of two, Registered since: 19.08.2011

Member with signing authority       Werner Strasser, Origin: Nussbaumen, Winterthur, Switzerland, Residential address: Steckborn, Switzerland, joint signature of two

Member with signing authority       Andrea Zweifel, Origin: Glarus Süd, Switzerland, Residential address: Dübendorf/ZH, Switzerland, joint signature of two, Registered since: 20.03.2012

Member with procuration              Nicole Balhuber, Origin: Zürich, Switzerland, Residential address: 8000 Zürich/ZH, Switzerland, joint power of attorney of two, Registered since: 14.02.2011

Member with procuration              Marco Beutler, Origin: Altstätten, Switzerland, Residential address: Kilchberg /ZH, Switzerland, joint power of attorney of two, Registered since: 11.09.2009

Member with procuration              Yves Birchmeier, Origin: Baar, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, joint power of attorney of two

Member with procuration              Antonina Di Mario, Origin: Winterthur, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, joint power of attorney of two, Registered since: 11.09.2009

Member with procuration              Juan Gonzalez, Origin: Spain, Residential address: Dägerlen, Switzerland, joint power of attorney of two, Registered since: 30.11.2010

Member with procuration              Susanne Gygax, Origin: Thunstetten, Switzerland, Residential address: 8500 Frauenfeld/TG, Switzerland, joint power of attorney of two, Registered since: 14.02.2011

Member with procuration              Rudolf Härdi, Origin: Schlossrued, Switzerland, Residential address: 5616 Meisterschwanden/AG, Switzerland, joint power of attorney of two, Registered since: 02.12.2009

Member with procuration              Nanette Susanne Haubensak, Origin: Germany, Residential address: 8001 Zürich/ZH, Switzerland, joint power of attorney of two, Registered since: 14.07.2010

Member with procuration              Marc Heim, Origin: Thun, Switzerland, Residential address: Nürensdorf, Switzerland, joint power of attorney of two, Registered since: 30.11.2010

Member with procuration              Björn Gunnar Johansson, Origin: Sweden, Residential address: 8400 Winterthur/ZH, Switzerland, joint power of attorney of two, Registered since: 30.11.2010

Member with procuration              Roland Kasper, Origin: Zetzwil, Switzerland, Residential address: Oberenfelden, Switzerland, joint power of attorney of two, Registered since: 18.06.2010

Member with procuration              Carsten Liske, Origin: Germany, Residential address: Freienbach , Switzerland, joint power of attorney of two, Registered since: 22.10.2009

Member with procuration              Roger Lörtscher, Origin: Oberwil im Simmental, Switzerland, Residential address: Elgg, Switzerland, joint power of attorney of two, Registered since: 29.01.2009

Member with procuration              Kurt Lüttinger, Origin: Winterthur, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, joint power of attorney of two, Registered since: 24.03.2010

Member with procuration              Peter Müller, Origin: Rohrbach, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, joint power of attorney of two

Member with procuration              Felix Scherrer, Origin: Zürich, Switzerland, Residential address: Zumikon, Switzerland, joint power of attorney of two, Registered since: 29.08.2011

Member with procuration              Heinz Schmid, Origin: Waltalingen, Switzerland, Residential address: Wil/SG, Switzerland, joint power of attorney of two, Registered since: 29.01.2009

Member with procuration              Peter Schulz, Origin: Germany, Residential address: Maxhütte-Haidhof, Germany, joint power of attorney of two, Registered since: 02.12.2009

Member with procuration              Reto Starkenmann, Origin: Winterthur, Switzerland, Residential address: 8478 Thalheim an der Thur/ZH, Switzerland, joint power of attorney of two, Registered since: 14.02.2011

Member with procuration              Gerlad Steiner, Origin: Sursee, Switzerland, Residential address: 8302 Kloten/ZH, Switzerland, joint power of attorney of two, Registered since: 24.03.2010

Member with procuration              Matthias Stüssi, Origin: Niederurnen, Switzerland, Residential address: 8451 Kleinandelfingen/ZH, Switzerland, joint power of attorney of two, Registered since: 02.02.2010

Member with procuration              Arne Thielemann, Origin: Germany, Residential address: Lengwil, Switzerland, joint power of attorney of two

Member with procuration              Urs Tschanz, Origin: Wichtrach, Switzerland, Residential address: 8239 Dörflingen/SH, Switzerland, joint power of attorney of two, Registered since: 28.06.2011

Member with procuration              Pascal von Gunten, Origin: Sigriswil, Switzerland, Residential address: 9000 St. Gallen/SG, Switzerland, joint power of attorney of two, Registered since: 10.08.2010

Member with procuration              Christoph Wäger, Origin: Adliswil, Switzerland, Residential address: 9100 Herisau/AR, Switzerland, joint power of attorney of two, Registered since: 28.06.2011

Member with procuration              Edda Walraf, Origin: Oberhelfenschwil, Switzerland, Residential address: Pfäffikon/ZH, Switzerland, joint power of attorney of two

Member with procuration              Dionys Wanner, Origin: Zürich, Switzerland, Residential address: 8702 Zollikon/ZH, Switzerland, joint power of attorney of two, Registered since: 14.02.2011

Member with procuration              Cafer Tayyar Yörüker, Origin: Winterthur, Switzerland, Residential address: 8602 Wangen-Brüttisellen/ZH, Switzerland, joint power of attorney of two, Registered since: 31.03.2010

Member with procuration              Andreas Zanini, Origin: Sarmenstorf, Switzerland, Residential address: Embrach, Switzerland, joint power of attorney of two

Member with procuration              Rolf Zimmermann, Origin: Elsau, Switzerland, Residential address: Schwerzenbach, Switzerland, joint power of attorney of two, Registered since: 29.01.2009

 

 

External Positions

 

Title                                           Name

Auditor                                        PricewaterhouseCoopers AG, Residential address: Zürich, Switzerland

 

 

Executive board

 

Title                                           Name

Chief Executive Officer                 Peter Gnägi

Chief Financial Officer                  Peter Müller

Chief Marketing Officer                 Edda Walraf

 

 

Financial Data Rieter Group

 

Consolidation:               consolidated

Industry:                       Trade/Industry

 

Fiscal year end:                                     31.12.2011        31.12.2010        31.12.2009        31.12.2008        31.12.2007

Number of months:                                       12                    12                    12                    12                    12

Currency:                                                 th. CHF             th. CHF            th. CHF             th. CHF            th. CHF

Statement norm:                                          IAS                   IAS                  IAS                   IAS                  IAS

 

Balance Sheet

Intangible fixed assets                                    9'500.0            15'200.0            23'000.0            30'200.0          156'600.0

Land and buildings                                     118'600.0          232'400.0          264'100.0          290'500.0          337'600.0

Other tangible fixed assets                          109'000.0          373'700.0          431'900.0          495'800.0          579'800.0

Tangible fixed assets                                  227'600.0          606'100.0          696'000.0          786'300.0          917'400.0

Financial fixed assets                                   78'400.0          175'600.0          164'000.0          107'900.0          105'900.0

other fixed assets                                          6'500.0              5'300.0             3'500.0              4'900.0            12'100.0

Fixed assets                                              322'000.0          802'200.0          886'500.0          929'300.0        1'192'000.0

Stocks                                                      234'800.0          328'400.0          266'000.0          361'300.0          510'000.0

Trade accounts receivable                             84'100.0          381'500.0          331'500.0          382'100.0          625'300.0

Liquid assets                                             408'300.0          351'900.0          217'700.0          282'600.0          257'500.0

Securities                                                     7'300.0              7'100.0            13'000.0              7'700.0          114'600.0

other trade accounts                                    49'200.0            86'200.0            92'400.0          125'900.0          148'000.0

Accruals                                                       5'700.0            11'800.0             7'000.0                   0.0

Other current assets                                   470'500.0          457'000.0          330'100.0          416'200.0          520'100.0

Current assets                                           789'400.0        1'166'900.0          927'600.0        1'159'600.0        1'655'400.0

Total assets                                            1'111'400.0        1'969'100.0        1'814'100.0        2'088'900.0        2'847'400.0

 

Capital                                                        23'400.0            23'400.0            23'400.0            21'400.0            22'300.0

Other shareholders funds                            355'900.0          533'500.0          563'800.0          668'500.0        1'287'100.0

Total shareholders equity                            379'300.0          556'900.0          587'200.0          689'900.0        1'309'400.0

Minority interests                                           8'400.0            70'700.0            68'600.0            56'300.0            60'100.0

long term debt (financial debts)                    253'500.0          296'300.0          140'700.0          128'800.0            47'500.0

Provisions                                                  104'300.0          180'700.0          182'200.0          226'800.0          180'100.0

Other non current liabilities                           42'300.0            80'100.0            76'400.0            63'300.0            94'000.0

Non current liabilities                                  400'100.0          557'100.0          399'300.0          418'900.0          321'600.0

short term debt (financial debts)                      3'100.0            66'200.0            81'700.0          198'300.0          180'100.0

Trade accounts payable                              176'200.0          426'700.0          226'800.0          268'500.0          446'300.0

Provisions                                                   38'600.0            89'000.0          174'300.0          153'700.0

Accruals                                                     64'100.0          104'300.0          115'700.0          113'700.0          186'200.0

other accounts payable                                41'600.0            98'200.0          160'500.0          189'600.0          343'700.0

other current liabilities                                 144'300.0          291'500.0          450'500.0          457'000.0          529'900.0

Current liabilities                                        323'600.0          784'400.0          759'000.0          923'800.0        1'156'300.0

Shareh. equity, min. interests + liabilities   1'111'400.0        1'969'100.0        1'814'100.0        2'088'900.0        2'847'400.0

 

Profit and loss account

Sales                                                      1'060'800.0        2'585'800.0        1'956'300.0        3'142'500.0        3'930'100.0

Reduction of proceeds                                  60'100.0            96'400.0            73'600.0          130'600.0          147'200.0

Net sales                                                1'000'700.0        2'489'400.0        1'882'700.0        3'011'900.0        3'782'900.0

Other operating revenue                                70'600.0            66'100.0           -36'200.0           -40'200.0            39'900.0

Operating revenue                                    1'071'300.0        2'555'500.0        1'846'500.0        2'971'700.0        3'822'800.0

Cost of goods sold                                     497'800.0        1'213'200.0          885'100.0        1'440'800.0        1'843'800.0

Gross profit                                                573'500.0        1'342'300.0          961'400.0        1'530'900.0        1'979'000.0

Other operating expenses                           460'900.0        1'244'300.0        1'148'000.0        1'843'000.0        1'701'300.0

Operating result                                         112'600.0            98'000.0         -186'600.0         -312'100.0          277'700.0

Interest revenues                                           6'900.0              2'800.0             4'000.0              9'500.0             8'800.0

other financial revenues                                52'300.0                800.0                700.0                500.0            46'800.0

Financial income                                          59'200.0              3'600.0             4'700.0            10'000.0            55'600.0

Interest expenses                                        17'100.0            29'400.0            27'600.0            21'100.0            16'200.0

other financial expenses                               16'700.0              5'400.0             2'000.0            53'600.0            15'700.0

Financial expenses                                      33'800.0            34'800.0            29'600.0            74'700.0            31'900.0

Financial result                                            25'400.0           -31'200.0           -24'900.0           -64'700.0            23'700.0

Result before extraordinary items                 138'000.0            66'800.0         -211'500.0         -376'800.0          301'400.0

Extraordinary income                                  151'000.0

Extraordinary Result                                   151'000.0                   0.0                   0.0                   0.0                   0.0

Result before taxes                                    289'000.0            66'800.0         -211'500.0         -376'800.0          301'400.0

Taxes                                                         19'000.0            25'200.0             6'000.0            19'900.0            89'900.0

Result before minority interests                   270'000.0            41'600.0         -217'500.0         -396'700.0          211'500.0

minority interests                                           2'800.0            15'100.0             6'400.0              9'200.0            14'300.0

Result for the financial year                         267'200.0            26'500.0         -223'900.0         -405'900.0          197'200.0

 

Cash flow

Depreciation                                                33'900.0          124'800.0          140'900.0          259'500.0          158'300.0

Cash flow                                                  303'900.0          166'400.0           -76'600.0         -137'200.0          369'800.0

Cash flow from operating activities                 10'100.0          106'100.0            -1'600.0            57'200.0          394'900.0

Investments in tangible fixed assets               57'300.0            98'200.0            61'700.0          140'900.0          203'500.0

Cash flow from investing activities                 -21'500.0           -92'500.0           -33'200.0           -35'800.0         -118'500.0

Cash flow from financing activities                  71'200.0          129'300.0           -27'800.0              8'800.0         -309'500.0

Others                                                         -3'400.0             -8'700.0            -2'300.0             -5'100.0            -7'800.0

Change in liquidity                                        56'400.0          134'200.0           -64'900.0            25'100.0           -40'900.0

Liquidity at beginning of the year                  351'900.0          217'700.0          282'600.0          257'500.0          298'400.0

Liquidity at end ot the year                          408'300.0          351'900.0          217'700.0          282'600.0          257'500.0

 

Notes

Material costs                                            497'800.0        1'213'200.0          885'100.0        1'440'800.0        1'843'800.0

Cost of employees                                     302'300.0          764'700.0          693'000.0          938'200.0        1'064'000.0

Research and Development                           39'500.0            93'900.0            98'700.0          122'300.0          141'100.0

Orders received                                          958'300.0        3'170'000.0        1'935'100.0        2'561'600.0        4'066'400.0

Added value                                               642'300.0          985'700.0          650'000.0          842'000.0        1'539'900.0

Working Capital                                         142'700.0          283'200.0          370'700.0          474'900.0          689'000.0

Sales per Employee                                         213.1                194.4                147.5                212.4                244.0

Market capitalisation                                  653'200.0        1'565'800.0        1'084'500.0          650'900.0        1'965'700.0

Gross cost land and buildings                     257'000.0          495'600.0          543'700.0          566'400.0          647'100.0

Gross cost other tangible fixed assets         473'000.0        1'541'300.0        1'774'200.0        1'764'100.0        1'957'400.0

Gross cost total                                         730'000.0        2'036'900.0        2'317'900.0        2'330'500.0        2'604'500.0

Insurance value land and buildings               539'800.0        1'024'200.0        1'353'400.0        1'337'900.0        1'451'100.0

 

Employees  at year end                                    4'695               12'804              12'761               14'183              15'506

Employees inland                                                                     1'536                1'660                1'750                1'825

Employees abroad                                                                  11'268              11'101               12'433              13'681

 

 

Ultimate Parent Company

 

Name:                          Rieter Holding AG

City/Country:                 Winterthur, Switzerland/CH

 

 

Owner/-s

 

No. of Owner/-s:            1

Owner:                         The company is domestic owned.

 

Class:                          100%

Name:                          Rieter Holding AG

City/Country:                 Winterthur, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest

 

 

Investments

 

It is believed that the company has no investments.

 

 

Legal Actions

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 

 

Credit Information

 

Financial Statements:    The company does not disclose any financial statements. Third parties are not permitted any insight into the financial affairs. It is therefore difficult to make a proper assessment of the actual situation.

 

Financial Situation:        The financial situation is good.

 

Payment experiences:   Financial obligations are paid promptly.

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.55.15

UK Pound

1

Rs.86.57

Euro

1

Rs.67.60

 

 

INFORMATION DETAILS

 

Report Prepared by :

PRL

 

 

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

 

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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.