MIRA INFORM REPORT

 

 

Report Date :

17.10.2012

 

IDENTIFICATION DETAILS

 

Name :

PHARMACEUTICAL AND VETERINARY MATERIAL JOINT STOCK COMPANY

 

 

Registered Office :

No. 88 Truong Chinh Str, Dong Da Dist, Ha Noi City

 

 

Country :

Vietnam

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

19.04.1999

 

 

Com. Reg. No.:

055931

 

 

Legal Form :

Joint stock company

 

 

line of business :

Manufacturing of veterinary products.

 

 

No. of Employees :

500

 

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 – March 31st, 2012

 

Country Name

Previous Rating

(31.12.2011)

Current Rating

(31.03.2012)

Vietnam

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


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

 

Current legal status

English Name

 

PHARMACEUTICAL AND VETERINARY MATERIAL JOINT STOCK COMPANY

Vietnamese Name

 

CONG TY CO PHAN DUOC VA VAT TU THU Y

Trade name

 

HANVET

Type of Business

 

Joint stock company

Year Established

 

1988

Establishment Decision

 

53/1999/QD/BNN-TCCB

Date of Issuance

 

18 Mar 1999

Place of Issuance

 

Ministry of Agriculture and Rural Development

Business Registration No.

 

055931

Date of Registration

 

19 Apr 1999

Place of Registration

 

Department Of Planning and Investment of Hanoi City

Chartered capital

 

VND 30,000,000,000

Status

 

Unlisted

Tax code

 

0100114258

Total Employees

 

500

 

Historical Identification & Legal form

 

List

Changed Items

Date of changes

1

Subject has got former Chartered capital: 12,000,000,000 VND Changed to: 30,000,000,000 VND

01 Jan 2009

2

Subject has got former Registered Vietnamese Name: XI NGHIEP DUOC VA VAT TU THU Y.

Changed to: CONG TY CO PHAN DUOC VA VAT TU THU Y

18 Mar 1999

3

Subject has got former Registered English Name: PHARMACEUTICAL & VETERINARY MATERIAL ENTERPRISE.

Changed to: PHARMACEUTICAL AND VETERINARY MATERIAL JOINT STOCK COMPANY

18 Mar 1999

4

Subject has got former Registered Vietnamese Name: XI NGHIEP BAO BI VA VAT DUNG THU Y.

Changed to: XI NGHIEP DUOC VA VAT TU THU Y

31 Jul 1991

 

 

 

ADDRESSES

 

Head Office

Address

 

No. 88 Truong Chinh Str, Dong Da Dist, Ha Noi City, Vietnam

Telephone

 

(84-4) 38685996/ 38691156

Fax

 

(84-4) 38690097

Email

 

hanvet@fpt.vn / hanvet@netnam.vn

Website

 

http://www.hanvet.com.vn

 

Factory Address

Address

 

Pho noi A Industrial zone, Van Lam Dist, Hung Yen Province, Vietnam

Telephone

 

(84-321) 396 7497

Fax

 

(84-321) 396 7730

 

Representative office in Da Nang

Address

 

The Thanh Loc Dan new urban Area , Da Nang City, Vietnam

Telephone

 

(84-511) 247 8929

Fax

 

(84-511) 376 8322

 

Representative office in Can Tho

Address

 

B1174, Residential Quarter No.91B An Thoi Ward, Ninh Kieu District, Can Tho City, Vietnam

Telephone

 

(84-710) 378 1049

Fax

 

(84-710) 378 1049

 

Branch in Ho Chi Minh

Address

 

No. 3 - Rach Sau Street Binh Thanh Ward, Dist 12, Ho Chi Minh City, Vietnam

Telephone

 

(84-8) 38919947

Fax

 

(84-8) 38919947

 

Branch in Ha Tinh

Address

 

Xuan Thanh beach resort , Nghi Xuan Dist, Ha Tinh Province, Vietnam

Telephone

 

(84-39) 382 7172

Fax

 

(84-39) 382 7172

 

Branch in Vinh Phuc

Address

 

I area, Tam Dao Town , Tam Dao Dist, Vinh Phuc Province, Vietnam

Telephone

 

(84-211) 381 6868

Fax

 

(84-211) 382 4678

 

 

 

SUBSIDIARIES AND RELATED COMPANIES

 

1. HANVET PHARMACEUTICAL COMPANY LIMITED

Business Registration

 

0900249945

Tax code

 

0900249945

Address

 

Pho Noi A Industrial Zone Ban Town, My Hao District, Hung Yen Province, Vietnam

Tel

 

(84-321) 3967730

Fax

 

(84-321) 3967730

 

2. HA LINH JOINT STOCK COMPANY

Business Registration

 

2500213024

Tax code

 

2500213024

Address

 

Thuong Le hamlet Dai Thinh commune, Me Linh District, Ha Noi City, Vietnam

Tel

 

(84-4) 3386 5627

 

 

 

 

DIRECTORS

 

1. NAME

 

Mr. NGUYEN HUU VU

Position

 

Chairman cum General Director

Date of Birth

 

14 May 1946

ID Number/Passport

 

011712640

ID Issue Date

 

09 Aug 1999

ID Issue Place

 

Police Station of Hanoi City

Resident

 

No. 231 Bach Mai Str - Bach Mai Ward, Hai Ba Trung District, Ha Noi City, Vietnam

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84) 913234696

 

2. NAME

 

Mr. NGUYEN DUC LUU

Position

 

Deputy General Director

Date of Birth

 

07 Mar 1950

ID Number/Passport

 

010040869

Resident

 

Room 306 - Phuong Mai Ward , Dong Da District, Ha Noi City, Vietnam

Nationality

 

Vietnamese

 

3. NAME

 

Mr. NGUYEN VAN MINH

Position

 

Deputy General Director

Nationality

 

Vietnamese

 

4. NAME

 

Mr. TRAN VAN GIANG

Position

 

Deputy General Director

Nationality

 

Vietnamese

 

5. NAME

 

Mr. HO MINH DUNG

Position

 

Deputy General Director

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84) 913506328

 

6. NAME

 

Ms. MAI THI THANH HOA

Position

 

Chief Accountant

Date of Birth

 

11 Aug 1973

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84-4) 38685303 / (84) 975303158

 

 

 

BUSINESS NATURE AND ACTIVITIES

 

The subject is involving in:

- Manufacturing of veterinary products. It also acts as a distributor in animal nutrition, feed additives and raw materials supplying to animal feed industry, representing as exclusive distributor in Vietnam for many world manufacturers.

- Business in hotel service.

 

IMPORT & EXPORT ACTIVITIES

 

IMPORT:

Types of products

 

Materials and products

Market

 

China, India, Germany, Holland, Italy, etc.

Mode of payment

 

TT, LC

 

EXPORT:

Market

 

Myanmar, Bangladesh, Malaysia

Mode of payment

 

LC, TT

 

 

BANKERS

 

1. BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM HOAN KIEM TRANSACTION NO.1

Address

 

No.26 Hang Voi, Hoan Kiem District, Ha Noi City, Vietnam

Telephone

 

(84-4) 39340720

 

2. VIET NAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT HA NOI BRANCH

Address

 

No.77 Lac Trung Street, Hai Ba Trung District, Ha Noi City, Vietnam

Telephone

 

(84-4) 36363235

Fax

 

(84-4) 38219352

 

3. JOINT STOCK BANK FOR FOREIGN TRADE OF VIETNAM HOAN KIEM BRANCH

Address

 

2 Hang Bai, Hoan Kiem District, Ha Noi City, Vietnam

Telephone

 

(84-4) 38251139

 

 

 

SHAREHOLDERS

 

1. NAME

 

Mr. HOANG VAN TIEN

ID Number/Passport

 

010610186

Resident

 

P5 - A2 - H10 - Phuong Mai Ward , Dong Da District, Ha Noi City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

12,267

Value of shares

 

VND 1,226,700,000

Percentage

 

4.08%

 

2. NAME

 

Mr. NGUYEN HUU VU

Position

 

Chairman cum General Director

Date of Birth

 

14 May 1946

ID Number/Passport

 

011712640

Issued on

 

09 Aug 1999

Issued Place

 

Police Station of Hanoi City

Resident

 

No. 231 Bach Mai Str - Bach Mai Ward, Hai Ba Trung District, Ha Noi City, Vietnam

Mobile phone

 

(84) 913234696

Nationality

 

Vietnamese

Number of Shares

 

73,036

Value of shares

 

VND 7,303,600,000

Percentage

 

24.34%

 

3. NAME

 

Mr. NGUYEN HUU THOI

ID Number/Passport

 

010512160

Resident

 

C65 - Alley 109 - Truong Chinh Phuong Liet Ward, Thanh Xuan District, Ha Noi City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

1,200

Value of shares

 

VND 120,000,000

Percentage

 

0.4%

 

4. NAME

 

Ms. NGUYEN THI LIEN

ID Number/Passport

 

012243701

Resident

 

P406 H10 Phuong Mai Ward, Dong Da District, Ha Noi City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

4,500

Value of shares

 

VND 450,000,000

Percentage

 

1.5%

 

5. NAME

 

Mr. NGUYEN DUC LUU

Position

 

Deputy General Director

Date of Birth

 

07 Mar 1950

ID Number/Passport

 

010040869

Resident

 

Room 306 - Phuong Mai Ward , Dong Da District, Ha Noi City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

20,587

Value of shares

 

VND 2,058,700,000

Percentage

 

6.86%

 

6. NAME

 

198 OTHER SHAREHOLDERS

Number of shares

 

167,406

Value of shares

 

VND 16,740,600,000

Percentage

 

55.8%

 

 

 

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

Audit status

Unaudited

Unaudited

-

ASSETS

A – CURRENT ASSETS

135,780,000,000

126,967,000,000

46,076,900,826

I. Cash and cash equivalents

6,350,000,000

14,337,000,000

1,144,478,709

1. Cash

6,350,000,000

14,337,000,000

1,144,478,709

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

44,102,000,000

42,728,000,000

29,772,501,659

1. Receivable from customers

21,150,000,000

19,292,000,000

12,394,087,470

2. Prepayments to suppliers

750,000,000

3,829,000,000

6,049,556,120

3. Inter-company receivable

0

0

0

4. Receivable according to the progress of construction

0

0

0

5. Other receivable

22,750,000,000

20,155,000,000

11,675,006,872

6. Provisions for bad debts

-548,000,000

-548,000,000

-346,148,803

IV. Inventories

84,150,000,000

68,580,000,000

14,875,920,804

1. Inventories

84,150,000,000

68,580,000,000

14,875,920,804

2. Provisions for devaluation of inventories

0

0

0

V. Other Current Assets

1,178,000,000

1,322,000,000

283,999,654

1. Short-term prepaid expenses

0

0

0

2. VAT to be deducted

320,000,000

464,000,000

582,817

3. Taxes and other accounts receivable from the State

0

0

0

4. Other current assets

858,000,000

858,000,000

283,416,837

B. LONG-TERM ASSETS

73,919,000,000

67,647,000,000

44,622,156,025

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

65,500,000,000

59,728,000,000

11,702,626,025

1. Tangible assets

65,500,000,000

51,338,000,000

11,702,626,025

- Historical costs

112,000,000,000

93,381,000,000

29,349,115,250

- Accumulated depreciation

-46,500,000,000

-42,043,000,000

-17,646,489,225

2. Financial leasehold assets

0

0

0

- Historical costs

0

0

0

- Accumulated depreciation

0

0

0

3. Intangible assets

0

0

0

- Initial costs

0

0

0

- Accumulated amortization

0

0

0

4. Construction-in-progress

0

8,390,000,000

0

III. Investment property

0

0

0

Historical costs

0

0

0

Accumulated depreciation

0

0

0

IV. Long-term investments

8,419,000,000

7,919,000,000

32,919,530,000

1. Investments in affiliates

6,225,000,000

6,225,000,000

31,224,700,000

2. Investments in business concerns and joint ventures

400,000,000

400,000,000

400,000,000

3. Other long-term investments

1,794,000,000

1,294,000,000

1,294,830,000

4. Provisions for devaluation of long-term investments

0

0

0

V. Other long-term assets

0

0

0

1. Long-term prepaid expenses

0

0

0

2. Deferred income tax assets

0

0

0

3. Other long-term assets

0

0

0

VI. Goodwill

0

0

0

1. Goodwill

0

0

0

TOTAL ASSETS

209,699,000,000

194,614,000,000

90,699,056,851

 

LIABILITIES

A- LIABILITIES

135,891,000,000

123,484,000,000

52,706,605,639

I. Current liabilities

135,545,000,000

123,138,000,000

52,648,460,167

1. Short-term debts and loans

105,211,000,000

93,819,000,000

42,452,892,720

2. Payable to suppliers

22,000,000,000

20,490,000,000

8,920,700,403

3. Advances from customers

0

405,000,000

88,512,501

4. Taxes and other obligations to the State Budget

2,858,000,000

2,858,000,000

336,998,217

5. Payable to employees

2,678,000,000

2,678,000,000

0

6. Accrued expenses

0

90,000,000

90,379,465

7. Inter-company payable

0

0

0

8. Payable according to the progress of construction contracts

0

0

0

9. Other payable

1,838,000,000

1,838,000,000

758,976,861

10. Provisions for short-term accounts payable

960,000,000

960,000,000

0

II. Long-Term Liabilities

346,000,000

346,000,000

58,145,472

1. Long-term accounts payable to suppliers

0

0

0

2. Long-term inter-company payable

0

0

0

3. Other long-term payable

0

0

0

4. Long-term debts and loans

0

0

0

5. Deferred income tax payable

0

0

0

6. Provisions for unemployment allowances

346,000,000

346,000,000

58,145,472

7. Provisions for long-term accounts payable

0

0

0

B- OWNER’S EQUITY

73,808,000,000

71,130,000,000

37,992,451,212

I. OWNER’S EQUITY

69,748,000,000

68,070,000,000

37,165,967,202

1. Capital

28,394,000,000

28,394,000,000

28,394,300,000

2. Share premiums

394,000,000

394,000,000

394,300,000

3. Other sources of capital

1,562,000,000

1,562,000,000

1,561,652,429

4. Treasury stocks

0

0

0

5. Differences on asset revaluation

0

0

0

6. Foreign exchange differences

0

0

0

7. Business promotion fund

17,003,000,000

16,003,000,000

11,443,013,935

8. Financial reserved fund

4,124,000,000

4,124,000,000

2,526,044,928

9. Other funds

271,000,000

271,000,000

270,985,000

10. Retained earnings

18,000,000,000

17,322,000,000

-7,424,329,090

11. Construction investment fund

0

0

0

II. Other sources and funds

4,060,000,000

3,060,000,000

826,484,010

1. Bonus and welfare funds (Elder form)

4,060,000,000

3,060,000,000

826,484,010

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

209,699,000,000

194,614,000,000

90,699,056,851

 

 

 

PROFIT & LOSS STATEMENT

 

Description

FY2011

FY2010

FY2009

1. Total Sales

283,958,000,000

246,920,000,000

151,403,637,048

2. Deduction item

0

0

9,999,970

3. Net revenue

283,958,000,000

246,920,000,000

151,393,637,078

4. Costs of goods sold

197,912,000,000

172,097,000,000

121,496,500,777

5. Gross profit

86,046,000,000

74,823,000,000

29,897,136,301

6. Financial income

21,843,000,000

18,994,000,000

624,412,508

7. Financial expenses

12,589,000,000

10,947,000,000

6,780,005,778

- In which: Loan interest expenses

12,589,000,000

10,947,000,000

6,780,005,778

8. Selling expenses

36,806,000,000

32,005,000,000

10,015,792,354

9. Administrative overheads

37,416,000,000

32,535,000,000

11,544,790,874

10. Net operating profit

21,078,000,000

18,330,000,000

2,180,959,803

11. Other income

0

0

152,380,000

12. Other expenses

0

0

60,233,806

13. Other profit /(loss)

0

0

92,146,194

14. Total accounting profit before tax

21,078,000,000

18,330,000,000

2,273,105,997

15. Current corporate income tax

2,635,000,000

2,291,000,000

0

16. Deferred corporate income tax

 

 

0

17. Interest from subsidiaries/related companies

 

 

 

18. Profit after tax

18,443,000,000

16,039,000,000

2,273,105,997

 

 

 

FINANCIAL RATIOS AND AVERAGE INDUSTRY RATIOS

 

Description

FY2011

FY2010

FY2009

Average Industry

Current liquidity ratio

1.00

1.03

0.88

1.65

Quick liquidity ratio

0.38

0.47

0.59

1.04

Inventory circle

2.59

2.51

8.17

4.14

Average receive period

56.69

63.16

71.78

105.37

Utilizing asset performance

1.35

1.27

1.67

1.20

Liability by total assets

64.80

63.45

58.11

53.11

Liability by owner's equity

184.11

173.60

138.73

159.74

Ebit / Total assets (ROA)

16.05

15.04

9.98

10.37

Ebit / Owner's equity (ROE)

45.61

41.16

23.83

23.03

Ebit / Total revenue (NPM)

11.86

11.86

5.98

10.15

Gross profit / Total revenue (GPM)

30.30

30.30

19.75

25.88

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

 

 

PAYMENT HISTORY & PERFORMANCE EXPERIENCES

 

Trade Morality

 

Good

Liquidity

 

Low/Medium

Payment status

 

Above Average

Financial Situation

 

Above Average

Development trend

 

Positive

Litigation data

 

No Record

Bankruptcy

 

No Record

Payment Methods

 

LC, TT

Sale Methods

 

Other

Public opinion

 

Good

 

 

 

 

INTERPRETATION ON THE SCORES

 

The subject was originally established in 1988 with former name "PHARMACEUTICAL & VETERINARY ENTERPRISE" following the decision No. 25/NN/TCCB/QD. In 1999, the company was equitilized under the decision No. 53/QD/BNN-TCCB issued by Ministry of Agriculture and Rural Development and renamed to “PHARMACEUTICAL AND VETERINARY MATERIAL JOINT STOCK COMPANY”. The subject has business registration No. 055931 granted by Ha Noi Department of Planning and Investment. Its tax code is 01001114258. Currently, the company has total chartered capital of VND 30 billion.

The head office is located at No.88, Truong Chinh street, Dong Da district, Ha Noi city, Vietnam. The subject has branches in Ho Chi Minh city, Ha Tinh and Vinh Phuc provinces; and representative offices in Can Tho, Da Nang cities. Besides, it has a GMP - WHO factory situated in Pho Noi A industrial zone, My Hao district, Hung Yen province, Vietnam. There are two warehouse (one in the head office and another in the factory) to store the products. It also has some animal clinics in Ha Noi city and Da Nang city. Currently, the subject has about 500 employees and staffs working in fair condition of premises, facilities and labour treatments.

HANVET is specializing in manufacturing of veterinary products. Its products are manufactured at its subsidiaries which have named HANVET PHARMACEUTICAL COMPANY LIMITED and HA LINH JOINT STOCK COMPANY. It also acts as a distributor in animal nutrition, feed additives and raw materials supplying to animal feed industry, representing as exclusive distributor in Vietnam for many world manufacturers. Recently, the subject has expanded its operation to hotel service. In interview, Mr. Ho Minh Dung - deputy general director said the subject imports materials from China, India, Germany, Holland, Italia, etc (mainly in China). Its products usually are consumed in domestic market. It has about 900 agencies that distribute its products to domestic market. It also exports its products to foreign countries such as: Myanmar, Bangladesh and Malaysia. Almost transactions are paid by T/T payment of method, sometimes by L/C.

Financially, the subject's business situation is above average. The total revenue increased year after year. In 2011, the subject gained VND 283,958 million in total sales; raised 15% and 87.5% in comparison with 2010 and 2009 in turn. The profit after tax was VND 18,443 million; increased nearly 15% in comparison with 2010 and higher many times than 2009. Although economic situation seem difficult recently, the subject still overcame challenges and get high profit. However, its liquidity ratios are rather humble. The company should improve them to ensure its financial commitments.

Shortly, the subject scale is rather large. It has reputation, experience in the market. Its future prospect is bright. The subject has capacity to meet small and medium financial commitment. No caution needed for small and normal business transaction with the subject.

 

 

 

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.52.82

UK Pound

1

Rs.84.96

Euro

1

Rs.68.61

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

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%)

 

 

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