MIRA INFORM REPORT

 

 

Report Date :

19.03.2012

 

IDENTIFICATION DETAILS

 

Name :

J. R. AUTO OIL SEALS SDN BHD

 

 

Registered Office :

No. 249 & 251, Jalan Selingsing 7, Titian Waris Business Park, Off Jalan Kuching, Kuala Lumpur, Wilayah Persekutuan, 51200

 

 

Country :

Malaysia

 

 

Financials (as on) :

30.06.2005

 

 

Date of Incorporation :

26.02.1986

 

 

Com. Reg. No.:

151324-M

 

 

Legal Form :

Private Company Limited By Shares

 

 

Line of Business :

Importer and Distributor of Automotive Seals.

 

 

No. of Employees :

50 Employees

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 160,000

Status :

Moderate 

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)

Malaysia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

IDENTIFICATION DETAILS

 

Verified Address

Subject name :                          J. R. AUTO OIL SEALS SDN BHD

Business address :                    No. 249 & 251

Jalan Selingsing 7

Titian Waris Business Park

Off Jalan Kuching

Town :                                       Kuala Lumpur

Province :                                  Wilayah Persekutuan

Zip/postal code :                        51200

Country :                                   Malaysia

Tel :                                          +60 3 62583555

Fax :                                         +60 3 62510108

Email :                                      enquiry@jrauto.com.my

Website :                                  www.jrauto.com.my

Registered address :                  C/o T.L. YEW ADVISORY SDN. BHD.

Unit A-3A-2, 4th Floor

Wisma Yoon Cheng

No. 726, Batu 4 1/2 Off Jalan Ipoh

Town :                                       Kuala Lumpur

Province :                                  Wilayah Persekutuan

Zip/postal code :                        51200

Country :                                   Malaysia

 

 

Executive Summary

 

Date founded or registered :        26/02/1986

Legal form :                               Private Company Limited By Shares

Chief executive :                        Goh Seng Wei

Issued & paid up capital :           MYR 2,500,000

Sales turnover :              MYR 17,428,980 (Consolidated 12 months, 30/06/2005)

Net income :                              MYR 1,211,288 (Consolidated 12 months, 30/06/2005)

Total fixed assets :                     MYR 20,572,148 (Consolidated 12 months, 30/06/2005)

Line of business :                       Importer and distributor of automotive seals.

Staff employed :                         50 employees

 

 

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 fair

Organization structure :              Organizational structure is stable

Detrimental :                  No detrimental records found

Payment history :                      No payment delays noted

Credit amount suggestion :         USD 160,000

Credit amount asked :                Not described.

 

 

Registry Data

 

Registration date :                      26/02/1986

Legal form :                               Private Company Limited By Shares

Registration no                          151324-M

Registered authority :                 Companies Commission of Malaysia

Registry status :                        Live/Active

Previous name :                         None reported.

Change of legal form :                 None reported.

 

 

Key Management

 

Name :                                      Goh Seng Wei

Designation :                             Managing Director

Name :                                      Lee Har

Designation :                             Director

Name : Kung                             Swee Chai

Designation :                             Director

Name : Kok                               Choong Hin

Designation :                             Director

Name :                                      Chan Chee Leong

Designation :                             Director

 

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

Name :                                      Lee Har

Designation :                             Director

Identification no :                        560208-08-5441

Appointment date :                     07/04/86

Address :                                  C/o J. R. AUTO OIL SEALS SDN BHD

No.249 & 251

Jalan Selingsing 7

Titian Waris Business Park

Off Jalan Kuching

51200 Kuala Lumpur

Malaysia

Name :                                      Kung Swee Chai

Designation :                             Director

Identification no :                        600205-08-5327

Appointment date :                     07/04/86

Address :                                  15, Jalan Zahir 22

Taman Malim Jaya

75250 Melaka

Malaysia

Name :                                      Goh Seng Wei

Designation :                             Director

Identification no :                        600909-08-5253

Appointment date :                     26/02/86

Address :                                  No. 49, Jalan Bistari

Parkcity Heights, Desa Park City

Kepong

52200 Kuala Lumpur

Wilayah Persekutuan

Malaysia

Name :                                      Kok Choong Hin

Designation :                             Director

Identification no :                        560317-08-5803

Appointment date :                     07/04/86

Address :                                  No. 23 Jalan BRP 4/10

Bukit Rahman Putra

40160 Shah Alam

Selangor Darul Ehsan

Malaysia

Name :                                      Chan Chee Leong

Designation :                             Director

Identification no :                        561017-08-5347

Appointment date :                     07/04/86

Address :                                  19, Jalan Desa Anggun 3

Amelia, Desa Park City

Kepong

52200 Kuala Lumpur

Wilayah Persekutuan

Malaysia

Name :                                      Yock Eng

Designation :                             Company Secretary

Identification no :                        581012-10-6258

Appointment date :                     30/03/04

Address :                                  No. 51 Jalan Rimbunan

Melati 2, Laman Rimbunan

Kepong

52100 Kuala Lumpur

Wilayah Persekutuan

Malaysia

Staff employed :                         50 employees

 

Key Advisors

Auditors : SH TAN & PARTNER

26-3, Jalan 4/62D

Medan Putra Business Centre

Bandar Menjalara

Kepong

Kuala Lumpur 52200

Malaysia

 

 

SHARE CAPITAL

 

Composition

Authorized Capital :                    MYR 5,000,000

No of shares :                            5,000,000 Ordinary Shares

Share par value :                        MYR 1

Issued capital :                          MYR 2,500,000

Paid up capital :                        MYR 2,500,000

Changed in capital :                   The Subject increased its share capital from MYR 1,000,000 to MYR 5,000,000

on 20-06-2002.

 

 

OWNERSHIP / SHAREHOLDERS

 

How listed :                               Full List

 

Composition

Shareholder name :                    Chan Chee Leong

Address :                                  19, Jalan Desa Anggun 3

Amelia, Desa Park City

Kepong

52200 Kuala Lumpur

Wilayah Persekutuan

Malaysia

No. of shares :                           386,005 Ordinary Shares

Shareholder name :                    Kung Swee Chai

Address :                                  15, Jalan Zahir 22

Taman Malim Jaya

75250 Melaka

Malaysia

No. of shares :                           259,296 Ordinary Shares

Shareholder name :                    Lee Har

Address :                                  C/o J. R. AUTO OIL SEALS SDN BHD

No.249 & 251

Jalan Selingsing 7

Titian Waris Business Park

Off Jalan Kuching

51200 Kuala Lumpur

Malaysia

No. of shares :                           566,976 Ordinary Shares

Shareholder name :                    Goh Seng Wei

Address :                                  No. 49, Jalan Bistari

Parkcity Heights, Desa Park City

Kepong

52200 Kuala Lumpur

Wilayah Persekutuan

Malaysia

No. of shares :                           952,979 Ordinary Shares

Shareholder name :                    Kok Choong Hin

Address :                                  No. 23 Jalan BRP 4/10

Bukit Rahman Putra

40160 Shah Alam

Selangor Darul Ehsan

Malaysia

No. of shares :                           334,744 Ordinary Shares

 

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

 

Structure

Name :                                      D. R. SEALS SDN. BHD.

Affiliation type :                          Wholly-owned Subsidiary

Address :                                  No. 279, Jln Kip 3

Taman Perindustrian Kip

Kepong

52200 Kuala Lumpur

Wilayah Persekutuan

Malaysia

Name :                                      J. R. SEAL TECHNOLOGY (M) SDN. BHD.

Affiliation type :                          Associate

Address :                                  No.253, Jalan Selingsing 7

Titian Waris Business Park

Off Jalan Kuching

51200 Kuala Lumpur

Wilayah Persekutuan

Malaysia

Name :                                      J. R. OIL SEALS (MELAKA) SDN. BHD.

Affiliation type :                          Associate

Address :                                  No. 26A, Jalan Berkat 5

Taman Malim Jaya

75250 Melaka

Malaysia

Name :                                      J. R. PERFECT GASKET SDN. BHD.

Affiliation type :                          Associate

Address :                                  14,Jalan 3/46A

Off Jalan Selingsing 7

Titian Waris Business Park

Taman Niaga Waris

51200 Kuala Lumpur

Wilayah Persekutuan

Malaysia

Name :                                      J. R. AUTO OIL SEALS (PW) SDN. BHD.

Affiliation type :                          Associate

Address :                                  No.18, Jalan Bagan Baru Satu

Off Jalan Heng Choon Thian

12000 Butterworth

Penang

Malaysia

Name :                                      JRP SDN. BHD.

Affiliation type :                          Associate

Address :                                  No.24, Jalan Bagan Baru Satu

Off Jalan Heng Choon Thian

12000 Butterworth

Penang

Malaysia

Name :                                      J. R. AUTO OIL SEALS (KLANG) SDN. BHD.

Affiliation type :                          Associate

Address :                                  No.14 & 16, Jalan Kuda 1/Ku 1

Off Jalan Bukit Kuda

41300 Klang

Selangor Darul Ehsan

Malaysia

Name :                                      J. R. AUTO OIL SEALS (JOHOR) SDN. BHD.

Affiliation type :                          Associate

Address :                                  No 5 & 5-01, Jalan Rosmerah 2/2

Taman Johor Jaya

81100 Johor Bahru

Johor Darul Takzim

Malaysia

Name :                                      J. R. OIL SEALS (IPOH) SDN. BHD.

Affiliation type :                          Associate

Address :                                  No.67, Jalan Bendahara

31650 Ipoh

Perak

Name :                                      PARJET SEALS SDN. BHD.

Affiliation type :                          Associate

Address :                                  No. 279, Jln Kip 3

Taman Perindustrian Kip

Kepong

52200 Kuala Lumpur

Wilayah Persekutuan

Malaysia

 

 

BANK & MORTGAGES

 

Bank Details

Name of bank :                          Alliance Bank Malaysia Berhad

Address :                                  Malaysia

Account details :                        Curent Account

Name of bank :                          Hong Leong Bank Berhad

Address :                                  Malaysia

Account details :                        Curent 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 : Total of Charge: 180,000.00

Date of Creation: 23-06-1990

Name of Chargee: HOCK HUA BANK SABAH BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 100,000.00

Date of Creation: 14-08-1992

Name of Chargee: HOCK HUA BANK SABAH BHD

Charge Status: UNSATISFIED

 

Total of Charge: 30,000.00

Date of Creation: 19-03-1993

Name of Chargee: HOCK HUA BANK SABAH BHD

Charge Status: FULLY SATISFIED

 

Total of Charge: 360,000.00

Date of Creation: 12-05-1994

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 500,000.00

Date of Creation: 12-08-1996

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 200,000.00

Date of Creation: 02-09-1996

Name of Chargee: HOCK HUA BANK SABAH BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 340,000.00

Date of Creation: 04-09-1996

Name of Chargee: HONG LEONG BANK BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 200,000.00

Date of Creation: 09-06-1997

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 360,000.00

Date of Creation: 18-06-1997

Name of Chargee: HONG LEONG BANK BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: 125,000.00

Date of Creation: 30-09-1997

Name of Chargee: ARABMALAYSIAN BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 118,000.00

Date of Creation: 30-09-1997

Name of Chargee: ARABMALAYSIAN BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 200,000.00

Date of Creation: 03-07-2000

Name of Chargee: INTERNATIONAL BANK MALAYSIA BHD

Charge Status: UNSATISFIED

 

Total of Charge: 650,000.00

Date of Creation: 01-11-2000

Name of Chargee: SOUTHERN BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 1,650,000.00

Date of Creation: 03-01-2002

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 1,000,000.00

Date of Creation: 16-08-2002

Name of Chargee: ALLIANCE BANK MALAYSIA BHD

Charge Status: UNSATISFIED

 

Total of Charge: 1,000,000.00

Date of Creation: 18-09-2002

Name of Chargee: ALLIANCE BANK MALAYSIA BHD

Charge Status: UNSATISFIED

 

Total of Charge: 950,000.00

Date of Creation: 01-06-2004

Name of Chargee: CIMB BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 2,935,000.00

Date of Creation: 26-07-2004

Name of Chargee: ALLIANCE ISLAMIC BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 2,141,300.00

Date of Creation: 26-07-2004

Name of Chargee: ALLIANCE ISLAMIC BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 962,325.00

Date of Creation: 26-07-2004

Name of Chargee: ALLIANCE ISLAMIC BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 430,000.00

Date of Creation: 20-05-2005

Name of Chargee: PUBLIC BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 1,000,000.00

Date of Creation: 29-06-2005

Name of Chargee: CIMB BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 500,000.00

Date of Creation: 26-09-2005

Name of Chargee: AMBANK (M) BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: 500,000.00

Date of Creation: 22-02-2006

Name of Chargee: HONG LEONG BANK BERHAD

Charge Status: FULLY SATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 15-05-2006

Name of Chargee: OCBC BANK (MALAYSIA) BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 28-09-2007

Name of Chargee: HONG LEONG BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 21-01-2008

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 11-03-2008

Name of Chargee: HONG LEONG BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 17-09-2009

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 17-09-2009

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 17-09-2009

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 17-09-2009

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 17-09-2009

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 17-09-2009

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 13-06-2011

Name of Chargee: ALLIANCE BANK MALAYSIA BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 24-06-2011

Name of Chargee: HONG LEONG BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 12-10-2011

Name of Chargee: HONG LEONG BANK BERHAD

Charge Status: UNSATISFIED

 

Total of Charge: OPEN CHARGE

Date of Creation: 23-12-2011

Name of Chargee: PUBLIC BANK BERHAD

Charge Status: UNSATISFIED

 

Legal Fillings

Bankruptcy fillings :                    None reported.

Court judgements :                     None reported.

Tax liens :                                 None reported.

Others :                                    None reported.

 

 

 

 

Financial Data

 

Description

Source of financial statement :                            Commercial Registry Filings

Financial statement date :                                  30/06/05

Type of accounts :                                             Full audited

Currency :                                                         Malaysia, Ringgit (MYR)

Exchange rate :                                                 1 USD = MYR 3.05 as of 15-03-2012

 

 

Summarized Financial Information

 

Consolidation type :                                           Consolidated                                         Consolidated

Currency :                                                         Malaysia, Ringgit (MYR)                         Malaysia, Ringgit (MYR)

Denomination :                                                  (x1) One                                                (x1) One

Date of financial year end :                                  30/06/05                                                30/06/04

Length of accounts :                                           12 months                                             12 months

Sale turnover / Income :                          17,428,980                                            14,048,517

Operating profit :                                                2,005,562                                              846,900

Profit before tax :                                               1,653,613                                              649,853

Net income :                                                      1,211,288                                              443,439

Non current assets :                                           8,207,125                                              7,953,572

Current assets :                                                 12,365,023                                            8,837,048

Inventories :                                                       3,262,637                                              1,643,590

Total assets :                                                    20,572,148                                            16,790,620

Current liabilities :                                              12,032,934                                            10,381,018

Non current liabilities :                                        2,370,854                                              1,902,530

Total liabilities :                                                  14,403,788                                            12,283,548

Share equity :                                                    6,168,360                                              4,507,072

Retained earning :                                              4,168,360                                              2,957,072

Comments :                                                      The Subject has been exempted from revealing their financials since 2006. The

Subject filed for the certificate of exemption private company and their accountants states that all liabilities are in good manner.

 

 

Operation Details

 

Main activities :                          The Subject is engaged in import and distribution of automotive seals such

as oil seal, hydraulic seal, industrial seal and oil ring.

Product & services : -                 General mechanical cylinder appropriative seal

- Engineering machinery appropriative seal

- Pneumatic Cylinder appropriative seal

- Automotive Seal

- Hydraulic pump high pressure appropriative seal

- Metallurgy appropriative seal

 

 

Brand : NOK, CORTECO, NANTEC, PARKER, MUSASHI, HST, VALQUA, KOYO,

CR, SAKAGAMI, ARS, DLI, NDK, DPH, POS & JRS

 

Purchases

International : Asian countries, Europe

 

Sales

Local : Yes

International : Asian countries

 

Property & Assets

 

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

address consisting of warehouse and administrative office.

 

Branches : In addition, the Subject operates from branch office located at:

No.45-G, Jln OP 1/2

Pusat Perdagangan One Puchong

Off Jalan Puchong

47160 Puchong

Selangor Darul Ehsan

Malaysia

Tel: +60 3 80752933

 

 

Summarized country risk

 

Gross Domestic Products (GDP) & Economic Overview

 

Central bank :                                        Central Bank of Malaysia

Reserve of foreign exchange & gold :       US$ 134.08 billion as of 31 January 2012

Gross domestic product - GDP :             US$ 247.781 billion

GPP (Purchasing power parity) :             US$ 442.01 billion of International dollars

GDP per capita - current prices :             US$ 8,624

GDP - composition by sector :                agriculture: 10.2%

industry: 42.1%

services: 47.8%

Inflation :                                               2008: 5.4%

2009: 0.6%

2010: 1.7%

2011: 2.8%

Unemployment rate :                              2008: 3.3%

2009: 3.6%

2010: 3.3%

2011: 3.2%

Public debt

(General Government gross debt as

a % GDP)

: 2008: 42.8%

2009: 55.4%

2010: 54.2%

2011: 55.1%

Government bond ratings :                      Standard & Poor's: A-/Stable/A-2

Moody's rating: A3

Moody's outlook: STA

Market value of publicly traded

shares

: US$420 billion

Largest companies in the country :          CIMB Group Holdings (Banking), Sime Darby (Conglomerates), Public

Bank Berhad (Banking), Maybank (Banking), Tenaga Nasional

Berhad(Utilities), Petronas Chemicals, Maxis Berhad

 

Trade & Competitiveness Overview

 

Total exports :                                       US$210.3 billion

Exports commodities :                           electronic equipment, petroleum and liquefied natural gas, wood and wood products, palm oil, rubber, textiles, chemicals

Total imports :                                       US$156.2 billion

Imports commodities :                            electronics, machinery, petroleum products, plastics, vehicles, iron and

steel products, chemicals

Export - major partners :                         US 15.6%, Singapore 14.6%, Japan 9.1%, China 8.8%, Thailand 5%, Hong Kong 4.6%

Import - major partners :                         Japan 13%, China 12.9%, Singapore 11.5%, US 10.8%, Taiwan 5.7%,

Thailand 5.3%, South Korea 4.9%, Germany 4.6%, Indonesia 4.2%

FDI Inflows :                                          2007: US$8,538 million

2008: US$7,318 million

2009: US$1,381 million

FDI Outflows :                                        2007: US$11,280 million

2008: US$14,988 million

2009: US$8,038 million

Best countries for doing business :          21 out of 183 countries

Global competitiveness ranking :             21 (ranking by country on a basis of 142, the first is the best)

 

Country and Population Overview

 

Total population :                                   28.23 million

Total area :                                            329,847 km2

Capital :                                                Kuala Lumpur

Currency :                                             Malaysia Ringgits (MYR)

Internet users as % of total

population

: 55.3%

 

 

Payment history

 

Purchase Term

 

International :                             Prepayment, Telegraphic transfer, D/P, Credit 30-60 days

 

Sales Term

Local :                                      Prepayment, Bank transfer, Credit 30-60 days

International :                             Prepayment, Telegraphic transfer, D/P, Credit 30-60 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.50.31

UK Pound

1

Rs.79.04

Euro

1

Rs.65.82

 

 

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.