MIRA INFORM REPORT

 

 

Report Date :

15.10.2012

 

IDENTIFICATION DETAILS

 

Name :

AN MY FISH JOINT STOCK COMPANY 

 

 

Registered Office :

Lot A2-A3 Phu Hoa Industrial Zone - Phu Hoa Town, Thoai Son District, An Giang Province

 

 

Country :

Vietnam

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

23.08.2007

 

 

Com. Reg. No.:

1600903460

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

farming, processing and exporting Pangasius Hypophthalmus ( Tra Fish ) and Pangasius Bocourti ( Basa Fish )

 

 

No. of Employees :

1,000  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

 


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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

Vietnam

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


vietnam - ECONOMIC OVERVIEW

 

Vietnam is a densely-populated developing country that in the last 30 years has had to recover from the ravages of war, the loss of financial support from the old Soviet Bloc, and the rigidities of a centrally-planned economy. While Vietnam's economy remains dominated by state-owned enterprises, which still produce about 40% of GDP, Vietnamese authorities have reaffirmed their commitment to economic liberalization and international integration. They have moved to implement the structural reforms needed to modernize the economy and to produce more competitive export-driven industries. Vietnam joined the World Trade Organization in January 2007 following more than a decade-long negotiation process. Vietnam became an official negotiating partner in the developing Trans-Pacific Partnership trade agreement in 2010. Agriculture's share of economic output has continued to shrink from about 25% in 2000 to about 22% in 2011, while industry's share increased from 36% to 40% in the same period. Deep poverty has declined significantly, and Vietnam is working to create jobs to meet the challenge of a labor force that is growing by more than one million people every year. The global recession has hurt Vietnam's export-oriented economy, with GDP in 2009-11 growing less than the 7% per annum average achieved during the last decade. In 2011, exports increased by more than 33%, year-on-year, and the trade deficit, while reduced from 2010, remained high, prompting the government to maintain administrative trade measures to limit the trade deficit. Vietnam's managed currency, the dong, continues to face downward pressure due to a persistent trade imbalance. Since 2008, the government devalued it in excess of 20% through a series of small devaluations. Foreign donors pledged nearly $8 billion in new development assistance for 2011. However, the government's strong growth-oriented economic policies have caused it to struggle to control one of the region's highest inflation rates, which reached as high as 23% in August 2011 and averaged 18% for the year. In February 2011, Vietnam shifted its focus away from economic growth to stabilizing its economy and tightened fiscal and monetary policies. In early 2012 Vietnam unveiled a broad "three pillar" economic reform program, proposing the restructuring of public investment, state-owned enterprises and the banking sector. Vietnam's economy continues to face challenges from low foreign exchange reserves, an undercapitalized banking sector, and high borrowing costs. The near-bankruptcy and subsequent default of the state-owned-enterprise Vinashin, a leading shipbuilder, led to a ratings downgrade of Vietnam's sovereign debt, exacerbating Vietnam's borrowing difficulties.

 

Source : CIA

 

 

 


SUBJECT IDENTIFICATION & LEGAL FORM

 

English Name

 

AN MY FISH JOINT STOCK COMPANY

Vietnamese Name

 

CONG TY CO PHAN XUAT NHAP KHAU THUY SAN AN MY

Short name

 

ANMYFISHCO

Type of Business

 

Joint stock company

Year Established

 

2007

Business Registration No.

 

1600903460

Date of Registration

 

23 Aug 2007

Place of Registration

 

An Giang Department of Planning and Investment

Chartered capital

 

VND 90,000,000,000

Status

 

Unlisted

Tax code

 

1600903460

Total Employees

 

1,000

Size

 

Medium

 

 

company ADDRESSES

 

Head Office

Address

 

Lot A2-A3 Phu Hoa Industrial Zone - Phu Hoa Town, Thoai Son District, An Giang Province, Vietnam

Telephone

 

(84-76) 3721888

Fax

 

(84-76) 3721999

Email

 

panga@anmyfish.com.vn  

Website

 

www.anmyfish.com.vn 

 

 

DIRECTORS

 

1. NAME

 

Ms. TRAN THI THUY

Position

 

Chairman cum General Director

Education

 

University

Date of Birth

 

30 Dec 1967

ID Number/Passport

 

350803540

ID Issue Date

 

26 May 2008

ID Issue Place

 

An Giang Police Station

Resident

 

No 24/5B Ngo Quyen str My Binh ward, Long Xuyen City, An Giang Province, Vietnam

Nationality

 

Viet Nam

Tel/Mobile phone

 

+84763.721888 – Ext: 106 / +84982854415

Email

 

ttthuy@anmyfish.com.vn

Years of experience

 

She got Financial Accounting Bachelor degree from University of Economic Ho Chi Minh City in 2001. From 2003 to 2005: She was chief accountant of Cuu Long An Giang Stock Company. From 2006 to 2007: She was Vice director of An My Trading And Services Company Limited (AN MY Co,.Ltd ). Since 2007 she has been General Director of An My Fish Joint Stock Company (ANMYFISHCO).

 

2. NAME

 

Mr. NGUYEN ANH THU

Position

 

Vice General Director

Education

 

Post graduated

Nationality

 

Vietnamese

Tel/Mobile phone

 

+84763.721888 – Ext: 108 / +84918.330.321

Email

 

nathu@anmyfish.com.vn

Years of experience

 

He got BBA (in Foreign Trade) degree from University of Economic Ho Chi Minh City in 2000. In 2002, he finished the course of postgraduate training at the Academy NISIET of India with the major “Management Science”. From 2005 to 2007, he was vice trading manager of An Giang Import Export Company (ANGIMEX and from 2007 to 2008, he was business development and strategy manager of An Giang Import Export Company (ANGIMEX ). And he has been Vice General Director of An My Fish Joint Stock Company (ANMYFISHCO) since 2008.

 

3. NAME

 

Mr. TRAN THANH HOAI

Position

 

Vice General Director

Education

 

University

Nationality

 

Vietnamese

Tel/Mobile phone

 

+84763.721888 – Ext: 117 / + 84913.971.519

Email

 

tthoai@anmyfish.com.vn

Years of experience

 

He graduated from Nha Trang University in 1990. He worked as an engineer with 20 years experience in operating equipments/devices. From 1990 to 2002: : An Giang Fisheries Import Export Joint Stock Company (AGIFISH Co.) – Manager of Technic. From 2002 – 2003: Cuu Long Fish Company ( CL Fish Co,.Ltd ) – Vice Manager of Technic. From 2003 – 2004: Gia Hiep Trading And Services Company Limited ( Gia Hiep Co,.Ltd ) – Director. From 2004 – 2007: Viet An Joint Stock Company ( ANVIFISH ) – Director of Technic. And he has been Vice Technical General Director of ANMYFISHCO since 2007.

 

 

BUSINESS NATURE AND ACTIVITIES

 

The subject specializes in farming, processing and exporting Pangasius Hypophthalmus ( Tra Fish ) and Pangasius Bocourti ( Basa Fish )

 

 

IMPORT & EXPORT ACTIVITIES

 

IMPORT:

Note: Currently, the subject does not import

 

EXPORT:

    Market

 

Many countries such as Spain, Germany, Italy, Singapore, Thailand...

 

 

BANKERS

 

1. JOINT STOCK COMMERCIAL BANK FOR FOREIGN TRADE OF VIETNAM AN GIANG BRANCH

Address

 

No.1 Hung Vuong, Long Xuyen City, An Giang Province, Vietnam

Telephone

 

(84-76) 3843589 / 3843590

Fax

 

(84-76) 3841591

 

2. SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK AN GIANG BRANCH

Address

 

No.56B Ton Duc Thang My Dinh ward, Long Xuyen City, An Giang Province, Vietnam

Telephone

 

(84-76) 3956515

Fax

 

(84-76) 3956515

 

 

SHAREHOLDERS

 

1. NAME

 

Ms. TRAN THI THUY

Position

 

Chairman cum General Director

Date of Birth

 

30 Dec 1967

ID Number/Passport

 

350803540

Issued on

 

26 May 2008

Issued Place

 

An Giang Police Station

Resident

 

No 24/5B Ngo Quyen str., My Binh ward, Long Xuyen City, An Giang Province, Vietnam

Email

 

ttthuy@anmyfish.com.vn

Mobile phone

 

+84982854415

Nationality

 

Viet Nam

Number of Shares

 

6,246,000

Value of shares

 

VND 62,460,000,000

Percentage

 

69.4%

 

2. NAME

 

Ms. LE THI PHUONG

ID Number/Passport

 

350996280

Issued Place

 

An Giang Police Station

Resident

 

Binh Khanh I Group , Long Xuyen City, An Giang Province, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

342,000

Value of shares

 

VND 3,420,000,000

Percentage

 

3.8%

 

3. NAME

 

Ms. TRAN THI THU VAN

ID Number/Passport

 

351564492

Issued on

 

12 Mar 1998

Issued Place

 

An Giang Police

Resident

 

7 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

1,845,000

Value of shares

 

VND 18,450,000,000

Percentage

 

20.5%

 

4. NAME

 

Ms. LE THI LE

ID Number/Passport

 

350499523

Issued on

 

24 Aug 2004

Issued Place

 

Public Sercurity of An Giang Province

Resident

 

70/6 Le Trieu Khiet My Binh Ward, Long Xuyen City, An Giang Province, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

567,000

Value of shares

 

VND 5,670,000,000

Percentage

 

6.3%

 

 

FINANCIAL DATA

 

 

BALANCE SHEET

Unit: One VND

Balance sheet date

31/12/2011

31/12/2010

31/12/2009

Number of weeks

52

52

52

ASSETS

A – CURRENT ASSETS

286,144,000,000

303,499,000,000

224,532,000,000

I. Cash and cash equivalents

3,212,000,000

10,414,000,000

5,056,000,000

1. Cash

3,212,000,000

10,414,000,000

5,056,000,000

2. Cash equivalents

0

0

0

II. Short-term investments

0

0

0

1. Short-term investments

0

0

0

2. Provisions for devaluation of short-term investments

0

0

0

III. Accounts receivable

87,065,000,000

122,385,000,000

60,344,000,000

1. Receivable from customers

80,617,000,000

56,832,000,000

31,662,000,000

2. Prepayments to suppliers

3,600,000,000

65,553,000,000

28,682,000,000

3. Inter-company receivable

0

0

0

4. Receivable according to the progress of construction

0

0

0

5. Other receivable

3,227,000,000

0

0

6. Provisions for bad debts

-379,000,000

0

0

IV. Inventories

193,886,000,000

144,541,000,000

139,896,000,000

1. Inventories

193,886,000,000

144,541,000,000

139,896,000,000

2. Provisions for devaluation of inventories

0

0

0

V. Other Current Assets

1,981,000,000

26,159,000,000

19,236,000,000

1. Short-term prepaid expenses

1,002,000,000

828,000,000

882,000,000

2. VAT to be deducted

0

319,000,000

551,000,000

3. Taxes and other accounts receivable from the State

0

0

0

4. Other current assets

979,000,000

25,012,000,000

17,803,000,000

B. LONG-TERM ASSETS

169,507,000,000

146,040,000,000

127,126,000,000

I. Long term accounts receivable

0

0

0

1. Long term account receivable from customers

0

0

0

2. Working capital in affiliates

0

0

0

3. Long-term inter-company receivable

0

0

0

4. Other long-term receivable

0

0

0

5. Provisions for bad debts from customers

0

0

0

II. Fixed assets

167,741,000,000

141,796,000,000

121,391,000,000

1. Tangible assets

120,536,000,000

127,609,000,000

114,142,000,000

- Historical costs

154,854,000,000

147,225,000,000

120,657,000,000

- Accumulated depreciation

-34,318,000,000

-19,616,000,000

-6,515,000,000

2. Financial leasehold assets

0

0

0

- Historical costs

0

0

0

- Accumulated depreciation

0

0

0

3. Intangible assets

38,506,000,000

8,620,000,000

0

- Initial costs

38,506,000,000

8,620,000,000

0

- Accumulated amortization

0

0

0

4. Construction-in-progress

8,699,000,000

5,567,000,000

7,249,000,000

III. Investment property

0

0

0

Historical costs

0

0

0

Accumulated depreciation

0

0

0

IV. Long-term investments

0

0

0

1. Investments in affiliates

0

0

0

2. Investments in business concerns and joint ventures

0

0

0

3. Other long-term investments

0

0

0

4. Provisions for devaluation of long-term investments

0

0

0

V. Other long-term assets

1,766,000,000

4,244,000,000

5,735,000,000

1. Long-term prepaid expenses

1,766,000,000

4,244,000,000

5,735,000,000

2. Deferred income tax assets

0

0

0

3. Other long-term assets

0

0

0

VI. Goodwill

 

0

 

1. Goodwill

 

0

 

TOTAL ASSETS

455,651,000,000

449,539,000,000

351,658,000,000

 

LIABILITIES

A- LIABILITIES

360,509,000,000

375,921,000,000

295,768,000,000

I. Current liabilities

313,953,000,000

317,254,000,000

217,546,000,000

1. Short-term debts and loans

236,112,000,000

277,151,000,000

158,169,000,000

2. Payable to suppliers

68,529,000,000

27,473,000,000

50,744,000,000

3. Advances from customers

5,451,000,000

7,667,000,000

2,336,000,000

4. Taxes and other obligations to the State Budget

106,000,000

6,000,000

28,000,000

5. Payable to employees

2,035,000,000

0

0

6. Accrued expenses

517,000,000

1,915,000,000

1,754,000,000

7. Inter-company payable

0

33,000,000

15,000,000

8. Payable according to the progress of construction contracts

0

0

0

9. Other payable

1,203,000,000

3,009,000,000

4,500,000,000

10. Provisions for short-term accounts payable

0

0

0

II. Long-Term Liabilities

46,556,000,000

58,667,000,000

78,222,000,000

1. Long-term accounts payable to suppliers

0

0

0

2. Long-term inter-company payable

10,000,000,000

0

0

3. Other long-term payable

0

0

1,000,000,000

4. Long-term debts and loans

36,556,000,000

58,667,000,000

77,222,000,000

5. Deferred income tax payable

0

0

0

6. Provisions for unemployment allowances

0

0

0

7. Provisions for long-term accounts payable

0

0

0

B- OWNER’S EQUITY

95,142,000,000

73,618,000,000

55,890,000,000

I. OWNER’S EQUITY

95,142,000,000

73,618,000,000

55,890,000,000

1. Capital

70,000,000,000

63,700,000,000

53,200,000,000

2. Share premiums

0

0

0

3. Other sources of capital

0

0

0

4. Treasury stocks

0

0

0

5. Differences on asset revaluation

0

0

0

6. Foreign exchange differences

0

364,000,000

0

7. Business promotion fund

0

0

0

8. Financial reserved fund

0

0

0

9. Other funds

0

0

0

10. Retained earnings

25,142,000,000

9,554,000,000

2,690,000,000

11. Construction investment fund

0

0

0

II. Other sources and funds

0

0

0

1. Bonus and welfare funds (Elder form)

0

0

0

2. Sources of expenditure

0

0

0

3. Fund to form fixed assets

0

0

0

MINORITY’S INTEREST

 

0

 

TOTAL LIABILITIES AND OWNER’S EQUITY

455,651,000,000

449,539,000,000

351,658,000,000

 

PROFIT & LOSS STATEMENT

 

Description

FY2011

FY2010

FY2009

1. Total Sales

571,759,000,000

430,473,000,000

154,484,000,000

2. Deduction item

7,396,000,000

345,000,000

1,027,000,000

3. Net revenue

564,363,000,000

430,128,000,000

153,457,000,000

4. Costs of goods sold

470,700,000,000

348,335,000,000

123,050,000,000

5. Gross profit

93,663,000,000

81,793,000,000

30,407,000,000

6. Financial income

9,966,000,000

7,628,000,000

2,791,000,000

7. Financial expenses

47,694,000,000

36,509,000,000

13,167,000,000

- In which: Loan interest expenses

43,463,000,000

34,339,000,000

13,127,000,000

8. Selling expenses

32,199,000,000

37,600,000,000

11,095,000,000

9. Administrative overheads

8,085,000,000

8,926,000,000

6,251,000,000

10. Net operating profit

15,651,000,000

6,386,000,000

2,685,000,000

11. Other income

1,036,000,000

802,000,000

6,000,000

12. Other expenses

 

324,000,000

0

13. Other profit /(loss)

1,036,000,000

478,000,000

6,000,000

14. Total accounting profit before tax

16,687,000,000

6,864,000,000

2,691,000,000

15. Current corporate income tax

0

0

0

16. Deferred corporate income tax

0

0

0

17. Interest from subsidiaries/related companies

 

0

 

18. Profit after tax

16,687,000,000

6,864,000,000

2,691,000,000

 

FINANCIAL RATIOS AND AVERAGE INDUSTRY RATIOS

 

Description

FY2011

FY2010

FY2009

Average Industry

Current liquidity ratio

0.91

0.96

1.03

1.32

Quick liquidity ratio

0.29

0.50

0.39

0.69

Inventory circle

2.43

2.45

0.88

4.18

Average receive period

56.31

103.85

143.53

69.24

Utilizing asset performance

1.24

0.96

0.44

1.47

Liability by total assets

79.12

83.62

84.11

64.25

Liability by owner's equity

378.92

510.64

529.20

263.88

Ebit / Total assets (ROA)

13.20

9.17

4.50

9.37

Ebit / Owner's equity (ROE)

63.22

55.97

28.30

32.97

Ebit / Total revenue (NPM)

10.52

9.57

10.24

6.94

Gross profit / Total revenue (GPM)

16.38

19.00

19.68

13.08

Note: The Average Industry was calculated by VietnamCredit based on our own statistical data

 

CASH FLOW STATEMENT

(Indirect method)

Items

FY2011

FY2010

I. Cash flows from operating activities

1. Profit before tax

16,687,000,000

6,864,000,000

2. Adjustments

 

 

- Depreciation and amortization

14,702,000,000

13,101,000,000

- Provisions

379,000,000

0

- Unrealized foreign exchange difference

-364,000,000

364,000,000

- Gain/loss from investing activities

 

0

- Interest expense

43,463,000,000

34,339,000,000

3. Operating profit before movements in working capital

74,867,000,000

54,668,000,000

- (Increase)/Decrease in receivables

34,941,000,000

-62,041,000,000

- (Increase)/Decrease in inventories

-49,345,000,000

-4,645,000,000

- Increase/(Decrease) in accounts payable

47,638,000,000

-20,252,000,000

- (Increase)/Decrease in prepaid expenses

2,304,000,000

-5,432,000,000

- Interest paid

-43,463,000,000

-34,339,000,000

- Corporate income tax paid

100,000,000

-22,000,000

- Other cash inflows

 

0

- Other cash outflows

23,253,000,000

0

Net cash from (used in) operating activities

90,295,000,000

-72,063,000,000

II. Cash flows from investing activities

1. Acquisition of fixed assets and other long - term assets

-40,647,000,000

-33,506,000,000

2. Proceeds from fixed assets and long - term assets disposal

 

 

3. Cash outflow for lending, buying debt instruments of other companies

 

 

4. Cash recovered from lending, selling debt instruments of other companies

 

 

5. Investment in other entities

 

 

6. Cash recovered from investments in other entities

 

 

7. Interest income, dividend and profit paid

 

 

Net cash from (used in) investing activities

-40,647,000,000

-33,506,000,000

III. Cash flows from financing activities

1. Proceeds from issuing stocks, receiving capital from owners

6,300,000,000

10,500,000,000

2. Capital withdrawal, buying back issued stocks

 

 

3. Proceeds from borrowings

-63,150,000,000

100,427,000,000

4. Repayment of borrowings

 

 

5. Repayment of obligations under finance leased

 

 

6. Dividends paid

 

 

Net cash from (used in) financing activities

-56,850,000,000

110,927,000,000

Net increase/(decrease) in cash and cash equivalents

-7,202,000,000

5,358,000,000

Cash and cash equivalents at beginning of year

10,414,000,000

5,056,000,000

Effect from changing foreign exchange rate

 

 

Cash and cash equivalents at end of year

3,212,000,000

10,414,000,000

 

 

PAYMENT HISTORY & PERFORMANCE EXPERIENCES

 

Trade Morality

 

Fair

Liquidity

 

Medium

Payment status

 

Average

Financial Situation

 

Average

Development trend

 

Stable

Litigation data

 

No Record

Bankruptcy

 

No Record

Payment Methods

 

TT, LC, DP

Sale Methods

 

Wholesaler

Public opinion

 

Good

 

 

INTERPRETATION ON THE SCORES

 

AN MY FISH JOINT STOCK COMPANY (ANMYFISHCO) was established in 2007. The subject was granted business registration number 1600903460, issued by An Giang Department of Planning and Investment. After many times of increasing, now the subject has chartered capital of VND 90 billion, capitalized from four shareholders, in which Ms. Tran Thi Thuy contributes 69.4% share. She is chairwomen cum general director of the subject.

The subject specializes in farming, processing and exporting Pangasius Hypophthalmus ( Tra Fish ) and Pangasius Bocourti (Basa Fish). 100% products are consumed in foreign market. Its products are exported to many countries such as Spain, Germany, Italy, Singapore, ThaiLand, Dubai, Saudi Arabia. EU and Middle East are still main market of the subject. Its position is fair in the industry.

The subject is headquartered at Lot A2-A3 Phu Hoa Industrial Zone - Phu Hoa Town, Thoai Son District, An Giang Province. The factory is about 45.000 m2, has modern cold storages with a capacity of over 4,000 tons. Investing capital of this plant is worth about 15 million US Dollars. Now there are about 1000 employees working for the subject. It is considered a medium enterprise in the industry.

Financially, the subject has increased its revenue sharply over years. In 2011 net revenue represented VND 571,759 million, an increase of 32.79% in previous year and by 3.7 times value in 2010. Consequently, profit of the subject also growth up impressively in the last three years. Profitability ratios are higher than average industry. However, subject’s liquidity is not good. Both of current and quick liquidity ratios has reduced over years and be lower than other firms in the field business. Moreover, the subject keeps high debt proportion in its financial structure.

In general, the subject is a medium company and its position is fair in the industry. Financial status of the subject is normal. The subject is assessed at BB in the credit rating and it can meet small financial commitments.

 


APPENDIX

 

INDUSTRY DATA

 

Industry code

Growth speed by price compared with 1994 (%)

Total enterprises 2010

Total employees 2011

(Thous.pers.)

Annual average capital of enterprises 2010

(billion dongs)

2011

2010

Agriculture, Forestry and Fishing

4.00

2.78

8,887

24,362.9

95,227

Industry and Construction

5.53

7.70

95,217

10,718.9

3,641,376

Trade and Services

6.69

7.52

187,195

15,270.2

6,957,082

 

ECONOMIC INDICATORS

 

 

2011 

2010 

2009 

Population (Million person)

87.84

86.93

86.02

Gross Domestic Products (USD billion)

119

102.2

91

GDP Growth (%)

5.89

6.78

5.32

GDP Per Capita (USD/person/year)

1,300

1,160

1,080

Inflation (% Change in Composite CPI)

18.58

11.75

6.88

State Budget Deficit compared with GDP (%)

4.9

5.8

6.9

 

SERVICE TRADE PERFORMANCE

 

Billion USD 

2011 

2010 

2009 

Exports

96.3

72.2

57.1

Imports

105.8

84.8

69.9

Trade Balance

-9.5

-12.6

-12.8

Source: General Statistics Office

 


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.52.70

UK Pound

1

Rs.84.51

Euro

1

Rs.68.16

 

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.