MIRA INFORM REPORT

 

 

Report Date :           

22.06.2012

 

IDENTIFICATION DETAILS

 

Name :

HILLS HOLDINGS LIMITED

 

 

Formerly Known As :

HILLS INDUSTRIES LIMITED

 

 

Registered Office :

159 Port Road, Hindmarsh, South Australia, Zip/postal code 5007

 

 

Country :

Australia

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

27.06.1957       

 

 

Com. Reg. No.:

007573417

 

 

Legal Form :

Australian Public Company

 

 

Line of Business :

Import, manufacturing and distribution of electronics security and communications, home and hardware and building and industrial products.

 

 

No. of Employees :

3,140 (Hills Group)

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

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)

Australia

a1

a1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 Bottom of Form

Identification details  Bottom of Form

 

 

Verified Address

Subject name :              HILLS HOLDINGS LIMITED

 

Business address :        159 Port Road

Town :                           Hindmarsh

Province :                      South Australia

Zip/postal code :            5007

Country :                       Australia

Tel :                             +618 83013200

Fax :                            +61 8 82974468

Email                            : info@hills.com.au

Website :                      www.hills.com.au

 

Registered address :      159 Port Road

Town :                           Hindmarsh

Province :                      South Australia

Zip/postal code :            5007

Country :                       Australia

 

Comments :

The provided address 10 Wiggs Road, Riverwood, NSW 2210, Australia belongs to Subject's Antenna & TV Systems divisional office.

 

 

Summary details

 

Executive Summary

Date founded or registered :        27/06/1957

Legal form :                               Australian Public Company

Chief executive :                        Graham Lloyd Twartz

Issued & paid up capital :           AUD 303,886,547.85

Sales turnover :                          AUD 1,097,001,000 (Consolidated 12 months, 30/06/2011)

Net income :                              AUD -65,381,000 (Consolidated 12 months, 30/06/2011)

Total fixed assets :                     AUD 639,641,000 (Consolidated 12 months, 30/06/2011)

Line of business :                       Import, manufacturing and distribution of electronics security and

communications, home and hardware and building and industrial products.

Staff employed :                         3,140 (Hills 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

 

 

Statutory details

 

Registry Data

Registration date :                      27/06/1957

Legal form :                               Australian Public Company

Registration no                          Australian Company Number: 007573417

Registered authority :                 Australian Securities and Investments Commission

Fiscal/ Tax no :                          Australian Business Number: 35007573417

Registry status :                        Live/Active

Previous name :                         HILLS INDUSTRIES LIMITED (initial)

Change of legal form :                 None reported.

 

 

Management / directors

 

Key Management

Name :                          Graham Lloyd Twartz

Designation :                 Managing Director

 

Name :                          Mike McKinstry

Designation :                 Chief Operating Officer

 

Name :                          Grant Logan

Designation :                 Chief Financial Officer

 

 

Board of directors / other appointments

 

Appointments

Name :                          Jennifer Helen Hill-Ling

Designation :                 Director

Appointment date :         21/08/85

Address :                      18 Larkin Street

Waverton, NSW 2060

Australia

Biography :

Born on 25-05-1962 in Adelaide, South Australia, Australia.

 

Ms. Jennifer Helen Hill-Ling, LLB (Adel), FAICD, is Non-Executive Chairman of the Board of Hills Holdings Ltd. She was appointed Director in August 1985, appointed Deputy Chairman in June 2004, and appointed Chairman on 28 October 2005. She has experience in corporate and commercial law, specialising in corporate and business structuring, mergers and acquisitions, joint ventures and related commercial transactions. She has practiced law for some 25 years. She is Director of Hills Associates Limited, Argent Pty Ltd and Hills Industries NZ Limited. She was a Director of Tower Trust Ltd. She has been Member of the nomination committee and Chairman of the remuneration committee of the Company. She is a fellow of the Australian lnstitute of Company Directors.

 

Name :                          Ian Elliot

Designation :                 Director

Appointment date :         01/08/03

Address :                      Unit 119, 6 Cowper Wharf Road

Woolloomooloo, NSW 2011

Australia

 

Biography :

Born on 30-12-1953 in Sydney, New South Wales, Australia.

 

Mr. Ian Elliot has been Independent Non-Executive Director of Hills Holdings Ltd since August 2003. He has spent 38 years in marketing.His speciality is brand building, with involvement in various icon brands. Mr. Elliot is a fellow of the Australian Institute of CompanyDirectors and graduate of the Harvard Business School Advanced Management Program. In addition to his listed company directorships he was formerly a director of Zenith Media Pty Ltd and Cordiant Communications Group and former Chairman of Allied Brands Limited, Artist & Entertainment Group Limited and Chairman and CEO of George Patterson Advertising. He has been Director of Salmat Limited since 2005. He is Chairman of the Nomination Committee and Member of the Remuneration Committee.

 

Name :                          Peter William Stancliffe

Designation :                 Director

Appointment date :         01/08/03

Address :                      114 Prince Alfred Parade

Newport, NSW 2106

Australia

 

Biography :

Born on 29-01-1948 in Melbourne, Victoria, Australia.

 

Mr. Peter William Stancliffe, BE (Civil), FAICD, is Independent Non-Executive Director of Hills Holdings Ltd. He has over 40 years experience in the management of industrial companies both in Australia and overseas and has held various senior management positions, including Chief Executive Officer. He has experience in strategy development and knowledge of modern company management practices. Mr. Stancliffe is a graduate of the MIT Senior Management Program and the AICD Company Directors' Course. In addition to his listed company directorships, he is a director of Harris Scarfe Pty Ltd. He is Chairman of Korvest Ltd (since 2009), Director of Automotive Holdings Group Limited (since 2005), and Former Chairman of View Resources Limited (from 2006 to 2009). He is Member of the Audit and Compliance Committee and Member of the Nomination Committee.

 

Name :                          Graham Lloyd Twartz

Designation :                 Director

Appointment date :         08/07/93

Address :                      15 Seaview Road

Tennyson, SA 5022

Australia

Biography :

Born on 11-05-1957 in Riverton, South Australia, Australia.

 

Mr. Graham Lloyd Twartz, BA (Adel), DipAcc (Flinders), is Group Managing Director and Executive Director of Hills Holdings Ltd. He joined the Company in 1993 and was appointed Director in July 1993.

 

He was appointed Group Managing Director on July 1, 2008. He is Director of Korvest Ltd and Fielders Australia Pty Ltd. He is responsible for the Company's operations, including business strategy and acquisitions. He was formerly the Group Finance Director and Company Secretary and has over 25 years experience in his field. Mr. Twartz held senior management positions in various companies before joining the Company. He graduated from University of Adelaide, Australia, with a Bachelor of Arts.

 

Name :                          Fiona Rosalyn Vivienne Bennett

Designation :                 Director

Appointment date :         31/05/10

Address :                      28 Wolseley Grove

Brighton, VIC 3186

Australia

 

Biography :

Born on 24-03-1956 in London, United Kingdom.

 

Ms. Fiona Rosalyn Vivienne Bennett, BA (Hons), FCA, FAICD, FAIM, has been Independent Non-Executive Director of Hills Holdings Ltd since May 31, 2010. She is a Chartered Accountant with over 30 years experience in business and financial management, corporate governance, risk management and audit. She has previously held senior executive positions at BHP Billiton Limited and Coles Group Limited and has been a Chief Financial Officer at several organisations in the health sector. Ms. Bennett is a graduate of The Executive Program at the University of Virginia's Darden Graduate School, the United States, and the AICD Company Directors' course.

 

She is Director of Boom Logistics Limited (since March 2010). She is Chairman of the Audit and Compliance Committee.

 

Name :                          David Moray Spence

Designation :                 Director

Appointment date :         01/09/10

Address :                      17 Berrillee Street

Turramurra, NSW 2074

Australia

 

Biography :

Born on 20-01-1952 in Durban, South Africa.

 

Mr. David Moray Spence, BCom, CA (SA), is Independent Non-Executive Director of Hills Holdings Ltd. He has experience in various industries and more recently in the technology and communications industry. He has over 25 years of senior management experience, including as CFO of Freedom Furniture and OPSM, where he also assumed responsibility for manufacturing and logistics. He has been involved in various internet and communications companies including the building of Australia's dial up ISP, OzEmail. Mr. Spence was the chief executive officer of Unwired Australia until February 2010. He has been involved in various listed and non-listed boards including WebCentral, uuNet, Access1, Emitch, Commander Communications, Chaosmusic, ubowireless, Vividwireless and is a past chairman of the Internet Industry Association. He is currently a non-executive Director of AWA Limited. He is Chairman of VOCUS Communications Ltd (since June 2010). He is Member of the Audit and Compliance Committee and Member of the Remuneration Committee at the Company. He graduated from University of Cape Town, South Africa, and holds a degree in Commerce from University of KwaZulu-Natal, South Africa.

Name :                          Matthew Arnold Campbell

Designation :                 Director

Appointment date :         19/12/11

Address :                      5 Jersey Place

Cromer, NSW 2099

Australia

 

Biography :

Born on 26-07-1954 in Yarram, Victoria, Australia.

 

Mr. Matthew Campbell has been Non-Executive Director of Hills Holdings Ltd since December 19, 2011. He has served as Group General Manager of Retail, Merchandise and Supply Chain of Rebel Group, Managing Director of Epic Records (within Sony Music Australia Ltd), Group General Manager of Brash Holdings, National Merchandise Manager of VOX Retail Group and National Merchandise Manager of The Warehouse Ltd New Zealand.

 

Name :                          Rachel Jane Rees

Designation :                 Company Secretary

Appointment date :         01/02/12

Address :                      103 Allinga Avenue

Glenunga, SA 5064

Australia

 

Biography :

Born on 29-11-1968 in Esperance, Western Australia, Australia.

 

Ms. Rachel Rees serves as Company Secretary of Hills Holdings Limited since February 1, 2012. She was the Chief Financial Officer and Company Secretary of Uranium One Australia. She is currently Chartered Secretaries Australia SA/NT State Chairman.

 

Staff employed : 3,140 (Hills Group)

 

Key Advisors

Auditors :                      KPMG

115 Grenfell Street

Adelaide, SA 5000

Australia

 

 

Share capital

 

Composition

Authorized Capital :        AUD 303,886,547.85

No of shares :                246,500,444 Ordinary Shares

Share par value :            No par value

Issued capital :              AUD 303,886,547.85

Paid up capital :             AUD 303,886,547.85

 

 

ownership / shareholders

 

How listed :                   Major Shareholders Only

 

Composition

Shareholder name :        RBC DEXIA INVESTOR SERVICES AUSTRALIA NOMINEES PTY LIMITED

Address :                      Level 17, 2 Park Street

Sydney, NSW 2000

Australia

% of shares :                 9.06%

 

Shareholder name :        POPLAR PTY LIMITED

Address :                      Adelaide, SA 5000

Australia

% of shares : 8.14%

 

Shareholder name :        HILLS ASSOCIATES LIMITED

Address :                      944-956 South Road

Edwardstown, SA 5039

Australia

% of shares :                 5.40%

 

Shareholder name :        JP MORGAN NOMINEES AUSTRALIA LIMITED

Address :                      Level 32, Grosvenor Place

225 George Street

Sydney, NSW 2000

Australia

% of shares :                 3.92%

 

Shareholder name :        NATIONAL NOMINEES LIMITED

Address :                      Level 21, 500 Bourke Street

Melbourne, VIC 3000

Australia

% of shares :                 3.01%

Comments                    The Subject is listed on the Australian Securities Exchange since 30 June, 1962.

 

 

Related companies & corporate Affiliations

 

Structure

Name :              HILLS FINANCE PTY. LTD.

Affiliation type : Wholly-owned Subsidiary

Address :          159 Port Road

Hindmarsh, SA 5007

Australia

 

Name :              FIELDERS AUSTRALIA PTY LTD

Affiliation type : Wholly-owned Subsidiary

Address :          213 Railway Terrace

Keswick Terminal, SA 5035

Australia

 

Name :              ACCESS TELEVISION SERVICES PTY LTD

Affiliation type :  Wholly-owned Subsidiary

Address :          Level 3, Austar Building

35 Robina Town Centre Drive

Robina, QLD 4226

Australia

 

Name :              ORRCON HOLDINGS PTY LTD

Affiliation type : Wholly-owned Subsidiary

Address :          121 Evans Road

Salisbury, QLD 4107

Australia

Name :              WOODROFFE INDUSTRIES PTY LTD

Affiliation type : Wholly-owned Subsidiary

Address :          59 Kylta Road

West Heidelberg, VIC 3081

Australia

 

Related companies and corporate affiliations comments

Other companies of the Hills 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

 

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 0.98 as of 20-06-2012

 

 

Summarized Financial Information

Consolidation type :                   Consolidated                 Consolidated                 Consolidated

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

Denomination :                          (x1) One                        (x1) One                        (x1) One

Date of financial year end :          31/12/11                        30/06/11                        30/06/10

Length of accounts :                   6 months                       12 months                     12 months

Sale turnover / Income : 553,680,000                  1,097,001,000                1,158,247,000

Profit before tax :                       21,584,000                    -78,489,000                   62,060,000

Net income :                              15,430,000                    -65,381,000                   42,918,000

Non current assets :                   281,653,000                  277,740,000                 359,731,000

Current assets :                         364,811,000                  361,901,000                  425,213,000

Inventories :                               166,898,000                  167,999,000                  181,496,000

Total assets :                            646,464,000                  639,641,000                  784,944,000

Current liabilities :                      111,931,000                  137,229,000                  173,761,000

Non current liabilities :                131,637,000                  100,105,000                 114,684,000

Total liabilities :                          243,568,000                  237,334,000                  288,445,000

Share equity :                            402,896,000                  402,307,000                  496,499,000

Retained earning :                      37,178,000                    21,504,000                   126,107,000

 

Comments :                  The consolidated financial information above relates to the Subject and its

subsidiaries.

 


Operation details

 

Main activities :

 

The Subject engages in import, manufacturing and distribution of electronics security and communications, home and hardware and building and industrial products in Australia and internationally.

 

The Subject conducts its business operations in three business segments:

 

·         Electronic security and entertainment segment,

·         Home and hardware segment, and

·         Building and industrial segment.

 

Electronic Security and Entertainment Segment

The electronic security and entertainment segment comprises Hills Electronic Security and the Hills Antenna & TV Systems business. This segment markets electronic security products ranging from simple domestic alarm systems to complex integrated surveillance and access control systems. The company offers electronic security communications related products and services, such as domestic and Entertainment and commercial antennas, master antenna television systems, communications antennas, amplifiers, electronic security systems, closed circuit television systems, home automation systems and fibre optic transmission solutions.

 

Hills Electronic Security:

The company’s hills electronic security business unit markets electronic security products ranging from simple domestic alarm systems to complex integrated surveillance and access control systems.

 

Hills Antenna & TV Systems: The company’s Hills Antenna & TV Systems business unit provides reception and distribution equipment for the Pay TV, free to air television and wireless voice and data markets. This business

unit is the major supplier of signal reception equipment to the Pay TV industry.

 

Its Hills Signal Master business in New Zealand offers both equipment supply and the installation of Sky Television services.

 

Home and Hardware Segment

The home and hardware segment engages in the manufacture and distribution of metal based branded products to consumers, trade customers and government utilities. The home and hardware segment offers home and hardware outdoor clothes driers, ladders, ironing boards, laundry trolleys, security doors, playtime equipment, garden sprayers, wheelbarrows, Do-It-Yourself woodworking equipment, and rehabilitation and mobility products. The segments major market brands include Hills, Bailey, Oldfields Ladders, Kelso, and Triton.

 

Building and Industrial Segment

The company, through its building and industrial segment, offers building and industrial structural, precision and steel tubing, galvanizing, precision metal cabinets, office storage systems, stainless steel products, steel door

frames, roll-formed metal building products, carports, cable and pipe support systems, and shed systems.

 

The building and industrial segment consists of Orrcon, Fielders, Korvest, and Woodroffe Equipment. Orrcon: The company’s Orrcon business United States  engages in the manufacture and distribution of steel tube and piping. With manufacturing plants in South Australia, Queensland and the Large Pipe and Tube Mill in Wollongong the company is able to service all segments of the market nationally. Fielders: The company’s fielders business unit

engages in the manufacture and distribution of roll-formed metal building products, such as roof and gutter material, downpipes, steel flooring systems, carports, sheds, and purlins, for the commercial and domestic building industries throughout Australia.

The subject, formerly known as Hills Industries Limited, is based in Hindmarsh, Australia.

 

Product & services :

·         Electronic security products

·         Electronic communication products

·         Antenna & TV Systems

·         Steel tube and piping

·         Building products

·         Clotheslines

·         Laundry Products

·         Ironing Boards

·         Sprayers

·         Handtrucks

·         Play Gyms & Slides

·         Garden Products

·         Doors

 

Brand : Hills, Bailey, Oldfields Ladders, Kelso, and Triton.

 

Purchases

International                   Worldwide

 

Sales

Local :                          Yes

International :                 South Africa, Japan, India, United States, Europe, New Zealand, United Kingdom

 

Key events :

Hills Sound Vision and Lighting

Hills Sound Vision and Lighting acquires Herma Technologies Media Release , Hills Sound Vision and Lighting Australia and New Zealand’s leading AV distributor, Hills SVL has announced today that it has acquired Herma Technologies. Herma Technologies is a Melbourne based AV distribution company with a significant market share of the residential and commercial projection screen markets through its LP Morgan, Grandview and 2C brands. Herma also distributes SunBrite Outdoor LCD screens, Brightline video conferencing lighting solutions and Panamorph lenses.

 

Group General Manager of the Hills SVL Group, Stuart Craig, announced the acquisition today “On the back of our recent expansion with the Denon and Marantz Group, this is another significant expansion for Hills SVL. The Herma acquisition makes sense in many ways. It’s another step toward SVL offering an end to end solution for our customers and allowing us to take our ‘intuitive integrated solutions’ program to a whole new level. It also helps the SVL Group establish some new channels in the residential and IT markets which are key to our on-going growth. For Herma it’s an expansion opportunity as it becomes part of a much larger team and will leverage SVL’s strengths in the commercial and education markets.

 

Customers of both SVL and Herma will see immediate benefits. Herma will keep its identity and will not be merged into Hills SVL, it will operate as a division of Hills SVL just as Crestron and Australian Monitor operates.”

Carlinea Williamson, Managing Director of Herma Technologies, "Everyone at Herma is enthusiastic about the Hills acquisition; we see it as an exciting new chapter for the company. The team at Herma is looking forward to

working with Hills management to maintain the high level of service and support we are known for. The backing of a major Australian company will bring great opportunities for Herma to continue developing and expanding

its offering in both manufactured and distributed products.

 

The Hills SVL Group has offices and warehouses in Sydney, Brisbane, Canberra, Melbourne, Adelaide, Perth and Auckland. The Hills SVL Group incorporates six divisions:

·         Crestron Australia and New Zealand

·         Australian Monitor

·         Herma Technologies

·         Hills SVL Audio Solutions

·         Hills SVL AV Solutions

·         Lighthouse Entertainment & Architectural Lighting Solution

 

Property & Assets

Premises :                                The Subject operates from headquarters located at the verified heading

address consisting of administrative office.

 

Branches :                                In addition, the Subject operates from business units located throughout

Australia.

 

 

Summarized country risk

 

Central bank                                          :   Reserve Bank of Australia

Reserve of foreign exchange & gold         :   US$ 41.385 billion

Gross domestic product – GDP               :   US$ 1.235 trillion

 

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

 

GDP per capita - current prices               :   US$ 55,590

 

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            Commonwealth Bank (Banking), BHP Billiton (Materials), Westpac

Banking Group (Banking), Rio Tinto (Materials), National Australia Bank (Banking), ANZ Banking (Banking), Telstra (Telecommunications)

 

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                                            2007: US$45,477 million

2008: US$46,722 million

2009: US$22,572 million

 

 

 

FDI Outflows                                                                          2007: US$16,822 million

2008: US$32,819 million

2009: US$18,426 million

 

 

Best countries for doing business           :   10 out of 183 countries

Global competitiveness ranking               :   16 (ranking by country on a basis of 133, 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     : 74.00%


Payment history

 

Purchase Term

International :     L/C, Prepayment, Telegraphic transfer, Credit 30-120 days

 

Sales Term

Local :              Prepayment, Bank transfer, Credit 30-120 days

International :     L/C, Prepayment, Telegraphic transfer, Credit 30-120 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.56.42

UK Pound

1

Rs.88.45

Euro

1

Rs.71.52

 

INFORMATION DETAILS

 

Report Prepared by :

MNL

 

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.