MIRA INFORM REPORT

 

 

Report Date :

28.03.2012

 

IDENTIFICATION DETAILS

 

Name :

COMERCIAL ECCSA S.A.

 

 

Registered Office :

Huérfanos 1052  Piso 4to., Santiago, XIII Region Metropolitana

 

 

Country :

Chile

 

 

Date of Incorporation :

21.12.1978

 

 

Legal Form :

Private Stock Company

 

 

Line of Business :

Department store: Home Furnishing, clothing, sports, shoes, electronic appliances, computer products and others.

 

 

No. of Employees :

10.051 employees

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Status :

Satisfactory  

 

 

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)

Chile

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 IDENTIFICATION    

COMERCIAL ECCSA S.A.
( RIPLEY )

Huérfanos 1052  Piso 4to.
Santiago
XIII Region Metropolitana
CHILE

Telephone    : 56-2-6941000
Fax          : 56-2-6941132
Web Site     : www.ripley.cl  
Postal Code  : 8320214

SUMMARY

Started                      : 1978
Total Employees              : 10.051
Payments                     : See Commercial Record
Capital                      : 000's$    274.106.194.-

Sic(s) : 5311

Line of Business: Department stores.


Credit Recommendation

                                                000's Pesos                  000's US$ dollars         000's Euros
Conservative value :       9.750.000                       19.443                                      15.158
Liberal value      :           10.725.000                    21.387                                      16.673

If additional information is received or present information is rectified, this
recommendation may be modified.


Financial indicators

Financial statements could not be obtained, thus financial analysis can not be
carried out


COMMERCIAL INFORMATION

Commercial Bulletin      : As at 20/03/2012 subject does not register protested
                           checks, bank drafts nor promissory notes in the
                           commercial information bulletin

Labor Bulletin           : As at 20/03/2012 does not register labor infringements

Previsional Bulletin     : As at 20/03/2012 does not register pension fund's
                           infringements

Consolidated delinquency : As at 20/03/2012, subject registers the following
                           delinquent bills

Detail of Delinquent Debts

Date      : 30/10/2008
Note      : Invoice
Value     : Ch$ 6.248,00
Drawer    : Lavin y Cia.
City      : Santiago

Date      : 30/11/2007
Note      : Invoice
Value     : Ch$ 11.867,00
Drawer    : Max Huber Reprotecnic
City      : Concepción

Date      : 30/09/2007
Note      : Invoice
Value     : Ch$ 27.489,00
Drawer    : Max Huber Reprotecnic
City      : Santiago

Date      : 30/11/2007
Note      : Invoice
Value     : Ch$ 3.925,00
Drawer    : Max Huber Reprotecnic
City      : Santiago

Date      : 28/11/2011
Note      : Invoice
Value     : Ch$ 5.544.448,00
Drawer    : Logros Ltda.
City      : -

Date      : 30/03/2008
Note      : Invoice
Value     : Ch$ 11.867,00
Drawer    : Max Huber Reprotecnic
City      : Santiago

Date      : 18/07/2007
Note      : Invoice
Value     : Ch$ 21.463,00
Drawer    : Max Huber Reprotecnic
City      : Santiago

Date      : 04/05/2007
Note      : Pay voucher
Value     : Ch$ 2.405.000,00
Drawer    : Gst Ltda.
City      : Santiago

Date      : 30/11/2007
Note      : Invoice
Value     : Ch$ 1.190,00
Drawer    : Max Huber Reprotecnic
City      : Santiago

Date      : 11/06/2011
Note      : Invoice
Value     : Ch$ 960.211,00
Drawer    : Disal Chile S.A.
City      : Santiago
Subject registers 23 Invoices amounting 000's$ 25.204 . Only the latest have
been herein detailed..

TRADE REFERENCES (13/01/2012)

Suppliers' trade references are supplied as follows:

Detail of References

Old            : Since 1985
Last purchase  : 12-2011
Terms          : 90 days
Payment        : Prompt
Notes          : invoice
Credit         : (000'sUS$) 500.000
Owes           : -
Due            : Does not Register
Paying Comments: Good
Purchase Aver. : (Monthly 000's$) 250.000

Old            : Since 1991
Last purchase  : 12-2011
Terms          : 30 days
Payment        : Prompt
Notes          : bank transfer
Credit         : -
Owes           : -
Due            : Does not Register
Paying Comments: Excellent
Amounts were not disclosed, but supplier reported purchases were for over
000's$100.000.- No specific line of credit.

Old            : Since 1992
Last purchase  : 12-2011
Terms          : 30 days
Payment        : Prompt
Notes          : sight draft
Credit         : -
Owes           : -
Due            : Does not Register
Paying Comments: Good
Purchase Aver. : (Monthly 000's$) 30.000
Operations are made with consignments. Payments are made within the first 10
days of the subsequent month. No defined line  of credit.

Old            : Since 1985
Last purchase  : 12-2011
Terms          : 60 days
Payment        : Prompt
Notes          : invoice
Credit         : (000'sUS$) 1.100.000
Owes           : -
Due            : Does not Register
Paying Comments: Good
Purchase Aver. : (Monthly 000's$) 300.000

Old            : Since 2001
Last purchase  : 12-2011
Terms          : 30-60 days
Payment        : Prompt
Notes          : invoice
Credit         : -
Owes           : -
Due            : Does not Register
Paying Comments: Good

Detail of Former Trade References
--------------------------------------------------------------------------------
           Last                                           Credit            Owes
Old        Purch. Payment.    Notes                     (000'sUS$)        (000'sUS$)
--------------------------------------------------------------------------------
Since 1985 04-11  Prompt      invoice                    500.000         450.000
Since 1985 04-11  Prompt      invoice                  1.100.000         627.000
Since 1992 04-11  Prompt      sight draft                      -            None
20 years   03-11  Prompt      bank transfer                    -               -
Since 1992 09-10  Prompt      invoice                       Open               -
20 years   10-10  Prompt      bank transfer                    -            None
Since 1985 10-10  Prompt      invoice                    100.000               -
Since 1990 08-10  Prompt      order form                    Open            None
Since 2003 09-10  Prompt      invoice                       Open               -
15 years   10-10  Prompt      invoice                       Open            None
Since 1993 10-10  Prompt      invoice                     80.000               -
Since 1999 10-10  Prompt      invoice                       Open               -
Since 1998 09-10  Prompt      invoice                       Open               -
Since 2002 10-10  Prompt      order form                    Open               -
Since 1990 06-10  Prompt      order form                    Open            None
Since 2002 06-10  Prompt      order form                    Open               -
Since 2000 06-10  Prompt      sight draft              1.200.000               -
20 years   04-09  Prompt      checks                        Open            None
Since 1989 09-09  Prompt      checks                        Open               -
Since 2007 09-09  Prompt      checks                       1.300               -
Since 1989 10-08  Prompt      checks                        Open            None
Since 1990 02-09  Prompt      checks                        Open            None
Since 1990 12-08  Prompt      checks                        Open            None
Since 1992 12-08  Prompt      current account               Open            None
Since 2006 01-09  Prompt      order form               1.300.000            None
Since 2006 12-08  Prompt      order form               1.300.000            None
Since 1992 12-08  Prompt      current account               Open            None
Since 1990 11-08  Prompt      checks                        Open            None
Since 1990 09-08  Prompt      checks                        Open            None
Since 1992 08-08  Prompt      sight draft                   Open            None
Since 2006 09-08  Prompt      order form                   1.300            None
Since 2007 05-08  Prompt      order form                    Open            None
Since 1999 05-08  Prompt      checks                        Open            None
Since 1996 05-08  Prompt      not specified                 Open            None
Since 1999 05-08  Prompt      order form                    Open            None
Since 1992 05-08  Prompt      sight draft                   Open            None
15 years          Prompt      sight draft                   Open            None
Since 1999 08-07  Prompt      checks                        Open            None
11 years   08-07  Prompt      not specified                 Open               -
8 years    12-07  Prompt      checks                        Open            None
New        12-07  Prompt      not specified                 Open            None
New        08-07  Prompt      not specified                 Open               -
8 years    05-06  Prompt      checks                        Open               -
8 years    09-07  Prompt      checks                        Open               -
11 years   08-07  Prompt      not specified                 Open               -
Since 1999 08-07  Prompt      not specified                 Open               -
11 years   08-07  Prompt      checks                        Open               -
15 years          Prompt      sight draft                   Open            None
Since 1998 09-07  Prompt      invoice & check               Open            None
Since 1998 04-07  Prompt      invoice & check               Open               -
Since 1999 03-07  Prompt      not specified                 Open               -
10 years   04-07  Prompt      sight draft                   Open               -
10 years   04-07  Prompt      not specified                 Open               -
5 years    04-07  Prompt      checks                           -               -
New        03-07  Prompt      not specified                    -               -
4 years    05-06  Prompt      not specified                    -               -
10 years   05-06  Prompt      checks                        Open               -
5 years    05-06  Prompt      checks                           -               -
8 years    05-06  Prompt      invoice                       Open               -
8 years    05-06  Prompt      checks                        Open               -
8 years    05-06  Prompt      invoice                       Open               -
10 years   05-06  Prompt      sight draft                   Open               -
8 years    05-06  Prompt      bank draft                    Open               -
15 years   05-06  Prompt      bank draft                 600.000               -
3 years    12-05  Prompt      not specified                    -               -
15 years   01-06  Prompt      bank draft                 600.000               -
8 years    12-05  Prompt      bank draft                    Open               -
10 years   01-06  Prompt      sight draft                   Open               -
8 years    01-06  Prompt      invoice                       Open               -
5 years    01-06  Prompt      checks                           -               -
10 years   01-06  Prompt      checks                        Open               -
8 years    01-06  Prompt      invoice                       Open               -
8 years    12-05  Prompt      checks                        Open               -
8 years    11-05  Prompt      checks                        Open               -
5 years    11-05  Prompt      checks                           -               -
8 years    11-05  Prompt      invoice                       Open               -
8 years    11-05  Prompt      invoice                       Open               -
3 years    11-05  Prompt      not specified                    -               -
10 years   11-05  Prompt      checks                        Open               -
10 years   11-05  Prompt      sight draft                   Open               -
8 years    11-05  Prompt      bank draft                    Open               -
15 years   11-05  Prompt      bank draft                 600.000               -
15 years   06-05  Prompt      bank draft                 600.000               -
8 years    06-05  Prompt      bank draft                    Open               -
10 years   06-05  Prompt      sight draft                   Open               -
8 years    06-05  Prompt      checks                        Open               -
10 years   06-05  Prompt      checks                        Open               -
3 years    06-05  Prompt      not specified                    -               -
8 years    06-05  Prompt      invoice                       Open               -
8 years    06-05  Prompt      invoice                       Open               -
5 years    06-05  Prompt      checks                           -               -
5 years    04-05  Prompt      checks                        Open               -
8 years    04-05  Prompt      checks                        Open               -
8 years    04-05  Prompt      invoice                       Open               -
8 years    04-05  Prompt      invoice                       Open               -
3 years    04-05  Prompt      not specified                    -               -
10 years   04-05  Prompt      checks                        Open               -
5 years    04-05  Prompt      bank draft                    Open               -
10 years   04-05  Prompt      bank draft                    Open               -
10 years   04-05  Prompt      checks                        Open               -
10 years   12-04  Prompt      checks                        Open               -
5 years    12-04  Prompt      bank draft                    Open               -
10 years   12-04  Prompt      checks                        Open               -
10 years   12-04  Prompt      bank draft                    Open               -
1 year     12-04  Prompt      not specified                    -               -
8 years    12-04  Prompt      invoice                       Open               -
8 years    12-04  Prompt      invoice                       Open               -
5 years    12-04  Prompt      checks                        Open               -
8 years    12-04  Prompt      checks                        Open               -
8 years    05-04  Prompt      checks                        Open               -
5 years    05-04  Prompt      checks                        Open               -
8 years    05-04  Prompt      invoice                       Open               -
5 years    05-04  Prompt      bank draft                    Open               -
10 years   05-04  Prompt      bank draft                    Open               -

Locally subject operates under different credit terms. Old customer.

Its  credit report reflects no protests, and no social security and/or work
infringements as of the date of this report. However, it reveals 23 delinquent
payments detailed in this report.

During the last 6 months,its credit history shows 268 credit review inquiries
requested by banks, hardware stores, workmen's compensation and credit reporting
agencies, industries and others.


AVERAGE PAYMENTS IN CHILE

International Risk and Payment Review reported in June 2011

The local delays in payment average 0-1 month.


BANKS (12/01/2012)

Subject operates with the following banks:

-  Banco de Chile, main office Ahumada 251, Santiago
-  Banco de Credito e Inversiones, main office Huérfanos 1134, Santiago
-  Banco Santander Chile, main office Bandera 140, Santiago
-  BancoEstado, main office
-  Corpbanca, main office
-  Scotiabank Chile, main office Morandé 226, Santiago


OPERATIONS (12/01/2012)

Line of Business : Department store: Home Furnishing, clothing, sports, shoes,
                   electronic appliances, computer products and others.

Classification according to commercial activity:

Sic: 5311-0000 Department stores

Subject is considered as a large company in this line of business, strong
competition


Sales

Sales are steady throughout the year
100% retailers

National and international sales territory

Products are sold

National: 76%.

Sales conditions: Cash and credit.

International: 24%.

Sales conditions: 98% letter of credit and  2% collection.

Exports to Peru.

of Exports obtained from Customs'National Service

Country                            %last year   %Accum.
-------------------------------------------------------
Peru                                   100,00      0,00


Historical registries

Total       2010 = 000's$ 124.867
Total       2009 = 000's$ 262.176
Total       2008 = 000's$ 825.079
Total       2007 = 000's$ 797.668
Total       2006 = 000's$ 80.028
Total       2005 = 000's$ 340.087
Total       2004 = 000's$ 340.087
Total       2003 = 000's$ 68.213.616


Customers

Main customers are: Public in general.

Purchases

Places orders with multiple suppliers

National: 10%

Purchase conditions: Term payments to 30, 60 & 90 days

International: 90%

Purchase conditions: Cash, collection and credit letter to 120 days.

Imports from Germany, Argentina, Bangladesh, Belgium, Brazil, Canada, China,
Colombia, South Korea, Denmark, Egypt, Spain, Philippines, India, Indonesia,
England, Italy, Japan, Malaysia, Unknown Origin/Destin., Pakistan, Panama,
Paraguay, Peru, Poland, Singapore, Sri Lanka, Taiwan, United Kingdom, Turkey,
Turkey, United States, Uruguay and Vietnam.

Records of Imports obtained from Customs'National Service

Country                            %last year   %Accum.
-------------------------------------------------------
China                                   89,74     88,04
Malaysia                                 2,08      2,81
India                                    1,67      2,56
Pakistan                                 0,99      0,92
Brazil                                   0,95      0,94
United States                            0,93      0,35
Egypt                                    0,69      0,86
Unknown Origin/Destin.                   0,68      0,71
Peru                                     0,45      0,77
Argentina                                0,34      0,48
Indonesia                                0,25      0,33
Uruguay                                  0,16      0,01
Bangladesh                               0,15      0,15
Spain                                    0,14      0,24
Italy                                    0,13      0,12
Singapore                                0,11      0,19
Belgium                                  0,10      0,00
Germany                                  0,06      0,00
South Korea                              0,05      0,00
Taiwan                                   0,05      0,06
Turkey                                   0,04      0,00
Vietnam                                  0,04      0,07
England                                  0,03      0,00
Turkey                                   0,03      0,00
Panama                                   0,03      0,11
Denmark                                  0,02      0,00
Poland                                   0,02      0,04
United Kingdom                           0,02      0,00
Paraguay                                 0,01      0,00
Colombia                                 0,01      0,00
Philippines                              0,01      0,00
Canada                                   0,01      0,02
Sri Lanka                                0,01      0,00
Japan                                    0,00      0,00


Historical registries

Total       2010 = 000's$ 83.592.621                     Accumulated 2011 = 000's$ 100.937.071
Total       2009 = 000's$ 71.044.277
Total       2008 = 000's$ 110.857.312
Total       2007 = 000's$ 95.208.590
Total       2006 = 000's$ 94.602.950
Total       2005 = 000's$ 83.689.296
Total       2004 = 000's$ 83.689.296
Total       2003 = 000's$ 662.195


Main suppliers (13/01/2012)

- Adidas Chile Ltda.
- Agencias Universales S.A.
- Best House S.A.I.C. Productos para Bebes
- C.T.I. Compañia Tecno Industrial S.A.
- Colchones Rosen S.A.I.C.
- Comercial Mabe Chile Limitada
- Comercializadora Skechers Chile Limitada
- Computacion Olidata Ltda.
- Confecciones Textiles El Aguila Ltda.
- D.N.D. Import & Export Limitada
- Fabrica Nacional de Colchas El Castillo S.A.
- Forus S.A.
- I.B.M. de Chile S.A.C.
- Industrializadora y Comercializadora de Ropa Induropa Ltda.
- Inversiones Sudamericana Limitada.
- Jimenez y Cia. Ltda.
- Manufacturas de Calzado Guante Ltda.
- Maui & Sons S.A.
- Nike de Chile S.A.
- Panasonic Chile Ltda.
- Philips Chilena S.A.
- Puma Chile S.A.
- Sociedad Comercial Importadora y Exportadora Eme Erre Chile Limitada
- Somela S.A.
- T.J.C. Chile S.A.
- X Sport Ltda

Employees

10.051 employees

Total Corporation.


Location

-  Headquarters at Huérfanos 1052  Piso 4to. Santiago, Chile,
   downtown-commercial area, street of busy traffic, construction in good
   conditions


Branches (12/01/2012)

-  Store at Arturo Prat 656 Temuco Chile
-  Store at Irarrázaval 1375-1401 Ñuñoa Santiago Chile
-  Store at San Diego 200 Santiago Chile
-  Store at Agustinas 960 Santiago Chile
-  Store at Huérfanos 886 Santiago Chile
-  Store at General Bonilla 2750 Concepción Chile
-  Store at Huérfanos 967 Santiago Chile
-  Store at Barros Arana 839 Concepción Chile
-  Store at Av. Kennedy 5413 piso 6 -Parque Arauco Las Condes Santiago Chile
-  Store at Avda. Libertador Bdo. O"Higgins 3031 Santiago Chile
-  Store at Plaza Sucre 290 Viña del Mar Chile


RELATED COMPANIES (12/01/2012)

Subject is related to the following companies:

National

-  Viña del Mar Store Limitada. T A X 96850710-9 Santiago, 99,99% Participation
-  Valparaiso Store S.A. T A X 96847490-1, 99,99% Participation
-  Antofagasta Store S.A. T A X 96847470-7, 99,99% Participation
-  Maipu Store Limitada T A X 76731040-4, 99,96% Participation
-  Temuco Store Co. S.A. T A X 99589810-1, 99,96% Participation
-  La Dehesa Store Ltda. T A X 76589420-4 Lo Barnechea Santiago, 99,95%
   Participation
-  Moll Puente S.A. T A X 96752600-2, 99,94% Participation
-  Alto Store Limitada T A X 96917230-5 Las Condes Santiago, 99,67%
   Participation
-  Alameda Store Limitada T A X 76879780-3, 99,58% Participation
-  Centro de Entren. para el Trab. Ltda. T A X 77035950-3, 99,58% Participation
-  Chillan Store S.A. T A X 96836250-K, 99,58% Participation
-  Administradora de Tarjetas de Credito Ltda. T A X 76850740-6 Santiago, 99,19%
   Participation
-  La Serena Store S.A. T A X 96917250-K, 99,17% Participation
-  Center Store S.A. T A X 96788550-9, 99,07% Participation
-  West Store S.A. T A X 96712780-9, 98,78% Participation
-  Calama Store Co S.A. T A X 96979260-5 Calama, 95,83% Participation
-  Atlantis Fondo de Inversion Privado T A X 76033297-6, 94,66% Participation
-  Huechuraba Store S.A. T A X 96965510-1, 86,11% Participation
-  Tobalaba Store S.A. T A X 96965460-1 Santiago, 86,11% Participation
-  Administradora de Inversiones Corporativas Ltda. T A X 76041994-K, 69,37%
   Participation
-  Central Warehouse S.A. T A X 96848430-3

International

-  Ripley Hong Kong Limited, China 99,6%***56 domestic related companies and 1
   foreign company that operates through head company "Ripley Retail Ltda".


FIXED ASSETS

Real estates (12/01/2012)

Subject registers real estates

-  Branch, San Diego 200 Santiago-Chile, Fiscal value of 000's$ 1.060.977.-, rol
   Nº 478-60
-  Branch, Agustinas 960 Santiago-Chile, Fiscal value of 000's$ 334.151.-, rol
   Nº 78-307
-  Building, Viana 685 Viña del Mar-Chile, Fiscal value of 000's$ 4.539.612.-,
   rol Nº 674-65
-  Parking lots, Velásquez 2166 SP Box 15 Providencia Santiago-Chile, Fiscal
   value of 000's$ 3.716.-, rol Nº 531-709
-  Branch, Huérfanos 886 Santiago-Chile, Fiscal value of 000's$ 5.069.117.-, rol
   Nº 101-553
-  Branch, General Bonilla 2750 Concepción-Chile, Fiscal value of 000's$
   231.084.-, rol Nº 21.286-316
-  Business office, Arturo Prat 522536 Antofagasta-Chile, Fiscal value of 000's$
   8.145.254.-, rol Nº 850-31
-  Branch, Huérfanos 967 Santiago-Chile, Fiscal value of 000's$ 594.049.-, rol
   Nº 128-542
-  Business office, San Diego 318 Santiago-Chile, Fiscal value of 000's$
   256.247.-, rol Nº 531-15
-  Premises, Agustinas 958 Santiago-Chile, Fiscal value of 000's$ 438.346.-, rol
   Nº 78-306
-  Branch, Irarrázaval 1375-1401 Ñuñoa Santiago-Chile, Fiscal value of 000's$
   848.184.-, rol Nº 3.912-7
-  Business office, Huérfanos 955-959 Santiago-Chile, Fiscal value of 000's$
   992.048.-, rol Nº 128-540
-  Business office, Cóndor 1051 1055 Santiago-Chile, Fiscal value of 000's$
   42.037.-, rol Nº 531-26

Total fiscal appraisal  $ 59.364.212.515.-

Machinery & Instalations (12/01/2012)

Own equipment

-  Warehouses , computer equipments , installations  and other necessary
   elements .

INSURANCES (12/01/2012)

Insurance Company:

-Chartis Compania de Seguros Generales

Due              : Unspecified due dates
In force         : Annual
Risks            : Various risks.
Objetive         : Assets in general.


BOARD OF DIRECTORS

President                : Felipe Lamarca Claro TAX:4779125-1
Director                 : Hernán Pedro Pablo Uribe Gabler TAX:6379783-9
Director                 : Sergio Collarte Alvarado
Director                 : Jorge Lafrentz Fricke


ADMINISTRATION

General Manager          : Andrés Roccatagliata Orsini TAX:8521864-6
Legal Representative     : Alejandro Fridman Pirozansky TAX:4438651-8
Control Manager          : Oscar Liñan
Finances & Taxation
Finances Manager         : Juan Andres Diuana Yunis TAX:9213767-8

CURRICULUM

Felipe Lamarca Claro

T A X               : 4779125-1
Birth place         : Chile
Studies             : Graduated at Universidad Católica de Chile .
Titled as           : Commercial Engineer.
Position            : President

Hernán Pedro Pablo Uribe Gabler

T A X               : 6379783-9
Studies             : Graduated at Universidad Católica de Chile , MBA,
                      University of California, in LA (UCLA) USA..
Titled as           : Industrial Civil Engineer.

Juan Andres Diuana Yunis

T A X               : 9213767-8
Studies             : Graduated at Universidad Católica de Chile .
Titled as           : Industrial Civil Engineer.
Position            : Finances Manager


LEGAL INFORMATION (12/01/2012)

Legal Structure      : Private Stock Company
Constitution date    : 21/12/1978. Registered on leaf  2.897 Nro.2.281 of the
                       Real Estate Receivership Trade Register, year 1979.
Notary               : Arturo Carvajal, Santiago
Term of duration     : Indefinite
Legal Address        : Santiago - Chile
Published in         : Official Gazette dated 14/03/1979

Current Social Capital: 000's$ 274.106.194.-Divided to 17.039.299.- registered
                        shares unique series

Shareholder :

-  99,60% 99531180-1 Ripley Retail Ltda.
-   0,40% Other Shareholders

Power of attorney held by General Manager.

Legal changes

Public Deed dated 25/05/1990, notary Humberto Quezada Moreno, Santiago,
published in the Official Gazette dated 19/07/1990 page N° 12, capital was
increased: to $ 300.000.000 divided into 3.000.000  no par value shares of
$100.- each one.

Public Deed dated 09/01/2001, notary Samuel Klecky Rapaport, Santiago, published
in the Official Gazette dated 24/01/2001 page N° 11, capital was increased: from
$300.000.000 to $11.394.305.433 divided into 3.206.532  registered and no par
value shares of one series.-

(Rectified in the Official Gazette of March 9, 2001 page 13)

Public Deed dated 12/07/2001, notary Samuel Klecky R., Santiago, published in
the Official Gazette dated 08/09/2001 page N° 14, corporate purpose was
modified: it was extended to the manufacture, distribution and sale of all kind
of goods, clothes, appliances, food and beverages.-  Import and export of the
mentioned articles, lease and sale of goods, furniture and investment of all
kind of goods.

Public Deed dated 18/07/2002, notary Samuel Klecky Rapaport, Santiago, published
in the Official Gazette dated 31/08/2002 page N° 14, statutes were modified: not
published details.

Public Deed dated 29/05/2003, notary Andrés Adriazola Lema, Santiago, published
in the Official Gazette dated 11/06/2003 page N° 7, corporate purpose was
modified: it was extended to the current one.

Public Deed dated 23/10/2003, notary Andrés Adriazola Lema, Santiago, published
in the Official Gazette dated 28/10/2003 page N° 11, capital was increased: from
$11.394.305.433 divided into 3.206.532 registered shares of one series and  no
par value, to $26.455.844.448 divided into 3.633.594 registered and no par value
shares of the same series, totally subscribed & paid.

Public Deed dated 31/10/2005, notary Eduardo Avello Concha, Santiago, published
in the Official Gazette dated 10/12/2005 page N° 15, statutes were modified:
whereby it was agreed to divide subject into 2 companies: one is the continuer,
which  keeps the business name (subject) and the other is a new one called
Inmobiliaria Eccsa SA.  Consequently, capital was reduced: from $27.170.578.414
(revalued) to $26.670.598.414.-  The difference is the capital of the recently
established company.

Public Deed dated 05/12/2005, notary Eduardo Avello Concha, Santiago, published
in the Official Gazette dated 24/12/2005 page N° 16, capital was increased: from
$26.670.598.414 to $314.553.796.247 divided into 13.419.420 no par value shares.

Public Deed dated 18/06/2007, notary Rodrigo Castro Díaz, Santiago, published in
the Official Gazette dated 21/06/2007 page N° 17, capital was reduced from
$323.908.656.844 (revalued) to $303.908.656.844 divided into 13.419.420 no par
value shares.

Public Deed dated 28/12/2007, notary Ulises Aburto Spitzer, Santiago, published
in the Official Gazette dated 09/02/2008 page N° 14, capital was increased: from
$321.905.815.323 (revalued) to $347.741.983.920 divided into 14.491.460 no par
value shares.-

Public Deed dated 21/08/2008, notary Raúl Perry Pefaur, Santiago, published in
the Official Gazette dated 06/10/2008 page N° 13, statutes were modified:
shareholders agreed to divide subject into 2 companies: subject and a private
stock company called Comercial Eccsa II S.A. As a result, capital was reduced:
from $349.891.942.524.- including revaluation as of  Dec. 31st., 2007, divided
into 14.491.460 shares, to $349.782.557.153.- keeping number of shares and
approving statutes of the new company.

Public Deed dated 21/10/2009, notary Raúl Perry Pefaur, Santiago, published in
the Official Gazette dated 17/11/2009 page N° 17, capital was increased: from
$380.915.037.163.- (revalued) to $441.915.037.163.- divided into 17.039.299
registered, no par value and same-series shares.

Public Deed dated 03/05/2010, notary Raúl Perry Pefaur, Santiago, published in
the Official Gazette dated 29/06/2010 page N° 5, statutes were modified: it was
agreed to divide subject (and its net worth) into two companies, subject itself
keeping same business name, and a new stock company to be called "Comercial
Eccsa III S.A.". As a result, subject's capital was reduced from
$424.953.991.308.- (including revaluation as at Dec. 31, 2009) divided into
17.039.299 shares, to  $424.614.339.186.- keeping same number of shares.

Public Deed dated 07/10/2011, notary Raúl Perry Pefaur, Santiago, published in
the Official Gazette dated 14/10/2011, capital was reduced: from $
424.614,339.186 divided into 17.039.299 shares, no par value, completely
subscribed and paid, to the amount of  $274.106.194.305 same number of shares.

PUBLICATIONS (12/01/2012)

The following information regarding the subject was published in press

DIARIO FINANCIERO of 13/01/2012 Investors summit in Cancún, Mexico: Ripley Corp
informed about 2012-2013 investments for Chile and Peru.

US$582 millions are to be invested : US$305 millions for 2012 and US$277
millions for 2013.  12 new stores and a Mall will be settled in the next 2
years.

If Colombia becomes another country to invest in, additional resources should
be spent since the official plan only includes Chile and Peru.

Subject intends to duplicate the 2010 Ebitda of US$212 millions. To carry it
out in 2011, Ripley made important changes in commercial, purchases and
marketing areas, people, logistics and risk.

The purpose is to increase the number of customers without increasing average
amount of debt.

It is expected to reach to 2.000.000 operating cards (Peru and Chile) and the
Mastercard is the new plastic card to activate this goal.

Two Golden Projects

One is the Costanera Center with 15.815 m2 and Mall Concepción with 86.000 m2,
in this last shopping center Ripley and Jumbo are going to be the key
companies.

In Peru will open stores in the cities of Chimbote, Santa Anita, San Borja and
Lima.

In Chile owns 38 stores representing 236.000 m2 and keeps a strategic alliance
with Mall Plaza., in Peru owns 15 stores, totallizing 125.000 m2 with 42% iof
market share and 40% of ownership of Aventura Plaza. -

INFORMATION SOURCES

On 12/01/2012 Mr. Juan Andres Diuana Yunis, Finances Manager,  declined
financial figures,  however, submitted the data shown in this report.

Note: The address of Huérfanos 979 3rd fl., off 320, Santiago belongs to
Invoices Centralization department.

-Other outside information sources.

Exchange rate

-As at 13/01/2012 $501,47 Per US$



 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.50.90

UK Pound

1

Rs.81.27

Euro

1

Rs.67.98

 

 

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.