MIRA INFORM REPORT

 

 

Report Date :

26.10.2012

 

IDENTIFICATION DETAILS

 

Name :

CPH CHEMIE + PAPIER HOLDING AG

 

 

Registered Office :

 

Perlenring 1 6035 Perlen/LU

 

 

 

 

Country :

Switzerland

 

 

 

 

Financials (as on) :

31.12.2011

 

 

 

 

Date of Incorporation :

17.06.1971

 

 

 

 

Com. Reg. No.:

100.3.005.239-3 / 272048

 

 

 

 

Legal Form :

Company limited by shares

 

 

 

 

Line of Business :

Manufacture of other inorganic basic chemicals

 

 

 

 

No. of Employees :

800-999

 

 

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

SWITZERLAND - ECONOMIC OVERVIEW

 

Switzerland is a peaceful, prosperous, and modern market economy with low unemployment, a highly skilled labor force, and a per capita GDP among the highest in the world. Switzerland's economy benefits from a highly developed service sector, led by financial services, and a manufacturing industry that specializes in high-technology, knowledge-based production. Its economic and political stability, transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates also make Switzerland one of the world's most competitive economies. The Swiss have brought their economic practices largely into conformity with the EU's, to enhance their international competitiveness, but some trade protectionism remains, particularly for its small agricultural sector. The fate of the Swiss economy is tightly linked to that of its neighbors in the euro zone, which purchases half of all Swiss exports. The global financial crisis of 2008 and resulting economic downturn in 2009 stalled export demand and put Switzerland in a recession. The Swiss National Bank (SNB) during this period effectively implemented a zero-interest rate policy to boost the economy as well as prevent appreciation of the franc, and Switzerland's economy recovered in 2010 with 2.7% growth. The sovereign debt crises currently unfolding in neighboring euro-zone countries pose a significant risk to Switzerland's financial stability and are driving up demand for the Swiss franc by investors seeking a safehaven currency. The independent SNB has upheld its zero-interest rate policy and conducted major market interventions to prevent further appreciation of the Swiss franc, but parliamentarians have urged it to do more to weaken the currency. The franc's strength has made Swiss exports less competitive and weakened the country's growth outlook; GDP growth fell to 2.1% in 2011. Switzerland has also come under increasing pressure from individual neighboring countries, the EU, the US, and international institutions to reform its banking secrecy laws. Consequently, the government agreed to conform to OECD regulations on administrative assistance in tax matters, including tax evasion. The government has renegotiated its double taxation agreements with numerous countries, including the US, to incorporate the OECD standard, and in 2011 it reached deals with Germany and the UK to resolve outstanding issues, particularly the possibility of imposing taxes on bank deposits held by foreigners. These steps will have a lasting impact on Switzerland's long history of bank secrecy.

Source : CIA


Company name and address

 

CPH Chemie + Papier Holding AG

 

Operating address:

Perlenring 1

6035 Perlen/LU

Switzerland/CH

 

Telephone:                    041 4558000

Fax:                             041 4558012

 

Web site:                      http://www.cph.ch

E-mail:                         info@cph.ch

 

VAT-No.:                      CHE107912500

 

 

Profile

 

Established:                  1971

Line of Business:           Financial services, Chemicals, Paper/cardboard, Plastics

Industry Division:           Services, Manufacturing

Industry-code (NACE):   6420       Activities of holding companies

                                    2013       Manufacture of other inorganic basic chemicals

                                    2014       Manufacture of other organic basic chemicals

                                    1712       Manufacture of paper and paperboard

                                    2222       Manufacture of plastic packing goods

Import/Export:               Export

Export sales:                82.8%

Banks:                         CS Credit Suisse

                                    UBS Ltd

Organisation level:         Ultimate Parent

Quoted:                        Yes

Stock exchange:           Swiss Exchange SIX Domestic Standard

Symbol:                        CPHN

 

 

Operational Figures

 

Coverage:                     Group

Employees:                  800-999

Sales:                          CHF 400-600 Mio

 

 


Activity

 

CPH is an international diversified group of companies in the chemical-technical process industries. The Group consists of the Uetikon group (chemicals and fertilizer production) and the Pearl Group (paper, packaging and real estate).

 

The activities include development, production and distribution of chemicals, papers and packaging films.

 

 

Real Estate

 

Information on property ownership was not available.

 

 

Company Register

 

Company No:                100.3.005.239-3 / 272048

Legal form:                    Company limited by shares

Registration:                 17.06.1971

Legal status:                 active

Responsible Register:    Handelsregister des Kantons Luzern

History:                        Date of Statutes: 26.05.1998

                                    Date of Incorporation Statutes: 17.06.1971

                                    Date of Statutes: 17.05.2001

                                    Date of Statutes: 17.05.2001

 

Entry          Deleted      Name

active                           CPH Chemie + Papier Holding AG

                  removed      Chemie und Papier Holding AG

 

Entry          Deleted      Legal domicile

03.04.1998                    Root, Switzerland

                  03.04.1998  Luzern, Switzerland

 

Entry          Deleted      Address

13.01.2011                    Perlenring 1, 6035 Perlen/LU, Switzerland/CH

03.04.1998  13.01.2011  6035 Perlen/LU, Switzerland/CH

 

Entry          Deleted      Capital

10.08.2001                    Share Capital CHF 30'000'000, paidup CHF 30'000'000

 

Entry          Deleted      Capital Structure

10.08.2001                    300'000 Registered shares of CHF 100.--

 

Entry          Deleted      Activity (original Language)

active                           Beteiligung für eigene und fremde Rechnung an andern Unternehmungen, insbesondere an solchen der Chemie- und Papierbranche sowie Finanzierungen und die Ausübung von Treuhandfunktionen; Erwerb, Verwaltung und Veräusserung von Grundeigentum, Wertschriften und Immaterialgüterrechten.

 

Entry          Deleted      Remarks (original Language)

active                           Publishing authority: SHAB.

active                           Merger: Die Gesellschaft hat als Alleinaktionärin auf dem Wege der Fusion nach Massgabe von Art. 748 OR gestützt auf den Fusionsvertrag vom 10.09.1996 und die Bilanz per 31.08.1996 sämtliche Aktiven von CHF 10'031'447.-- und das gesamte Fremdkapital von CHF 3'564'606.-- der "CL Chemiewerte Luzern AG", in Luzern, zum Nettoübernahmepreis von CHF 6'466'841.-- übernommen.

active                           Contribution in kind/Asset takeover: Gemäss Sacheinlagevertrag vom 06.08.1990 übernahm die Gesellschaft von der UBV Uetikon Betriebs- und Verwaltungs AG, in Uetikon, 3'600 Namenaktien zu CHF 700.-- der CU Chemie Holding AG, in Uetikon, im Werte und zum Preise von CHF 2'520'000.--, welcher Betrag voll ans Grundkapital angerechnet wurde.

active                           Contribution in kind/Asset takeover: Gemäss Sacheinlagevertrag vom 23.03.1998 übernahm die Gesellschaft gemäss Zeichnungsscheinen von 563 Namenaktionären der "Perlen Holding AG", in Perlen, Gemeinde Root, 20'067 Namenaktien zu CHF 500.-- der "Perlen Holding AG" zum Uebernahmepreis von insgesamt CHF 112'475'535.--. Als Gegenleistung erhielten die Sacheinleger 100'335 Namenaktien zu CHF 100.-- der Gesellschaft zum Preise von CHF 1'121.-- je Aktie.

10.08.2001                    Shares: Bei der Kapitalherabsetzung vom 17.05.2001 werden 11'563 eigene Namenaktien zu CHF 100.-- auf einen Nennwert von CHF 0.-- herabgesetzt, abgeschrieben und anschliessend vernichtet. Dies führt unter den Aktiven zu einer Reduktion des Wertschriftenbestandes und unter den Passiven zu einer Reduktion des Aktienkapitals und zu einer Belastung der Reserve für eigene Aktien. Die Beachtung der gesetzlichen Vorschriften von Art. 734 OR wird mit öffentlicher Urkunde vom 08.08.2001 festgestellt.

21.05.2001                    Reports: Mitteilungen erfolgen durch gewöhnlichen Brief.

28.05.1998                    Merger: Gestützt auf den Fusionsvertrag vom 26.05.1998 und die Bilanz per 31.12.1997 hat die Gesellschaft auf dem Wege der Fusion nach Massgabe von Art. 748 OR sämtliche Aktiven von CHF 179'744'914.-- und das gesamte Fremdkapital von CHF 101'055'308.-- der "Perlen Holding AG", in Perlen, Gemeinde Root, zum Nettoübernahmepreis von CHF 78'689'606.-- übernommen (inklusive 6'000 eigene Aktien der "Perlen Holding AG" zu CHF 500.-- nominal). Als Gegenleistung erhielten die Aktionäre der übernommenen Gesellschaft für eine Namenaktie zu CHF 500.-- im Werte von CHF 5'995.-- 5,39 Namenaktien zu CHF 100.-- im Werte von CHF 1'112.-- der übernehmenden Gesellschaft, wobei ein allfälliger Spitzenausgleich den Aktionären der übernommenen Gesellschaft in bar ausbezahlt wurde.

 

 

Official Administration

 

Title                                           Name

President                                    Peter Schaub, Origin: Zürich, Ormalingen, Switzerland, Residential address: 8610 Uster/ZH, Switzerland, born: 1960, joint signature of two

Vice-President                             Dr. Max R. Walter, Origin: Zürich, Siblingen, Switzerland, Residential address: 8942 Oberrieden/ZH, Switzerland, born: 1945, joint signature of two

Executive Director                        Dr. Franz Josef Albrecht-Geilinger, Origin: Sursee, Knutwil, Switzerland, Residential address: 8400 Winterthur/ZH, Switzerland, born: 1948, joint signature of two

Executive Director                        Dr. Hanspeter Balmer, Origin: Luzern, Switzerland, Residential address: 6045 Meggen/LU, Switzerland, born: 1950, joint signature of two

Executive Director                        Dr. Mauro Gabella, Origin: Lugano, Switzerland, Residential address: Lugano/TI, Switzerland, born: 1952, joint signature of two, Registered since: 31.10.2005

Executive Director                        Tamer Tim Talaat, Origin: Uetikon am See, Switzerland, Residential address: 8707 Uetikon am See/ZH, Switzerland, born: 1960, joint signature of two

Executive Director                        Christian Wipf, Origin: Zürich, Stäfa, Switzerland, Residential address: 8700 Küsnacht /ZH, Switzerland, born: 1957, joint signature of two, Registered since: 06.10.2009

 

 

Management

 

Title                                           Name

Chairman of the management       Peter Schildknecht, Origin: Teufen AR, Switzerland, Residential address: 6045 Meggen/LU, Switzerland, born: 1962, joint signature of two, Registered since: 14.04.2009

Member of the management         Manfred Stephan Häner, Origin: Zullwil, Switzerland, Residential address: Seuzach, Switzerland, born: 1956, joint signature of two, Registered since: 08.05.2012

Member with signing authority       Michel E. Segesser, Origin: Bannwil, Switzerland, Residential address: Münchenbuchsee/BE, Switzerland, born: 1968, joint signature of two, Registered since: 07.09.2011

 

 

External Positions

 

Title                                           Name

Auditor                                        PricewaterhouseCoopers AG, Residential address: Zürich, Switzerland

 

 

Executive board

 

Title                                           Name

Chief Executive Officer                 Peter Schildknecht

Chief Financial Officer                  Manfred Stephan Häner

Chief Human Resources Officer, Chief Customer Service Officer   Michel E. Segesser

Chief Business Segment Officer    Klemens Gottstein

Chief Business Segment Officer    Wolfgang Grimm

Chief Business Segment Officer    Alois Waldvogel-Zeil

 

 

Financial Data CPH Group

 

Consolidation:               consolidated

Industry:                       Trade/Industry

 

Fiscal year end:                                     31.12.2011        31.12.2010        31.12.2009        31.12.2008        31.12.2007

Number of months:                                       12                    12                    12                    12                    12

Currency:                                                 th. CHF             th. CHF            th. CHF             th. CHF            th. CHF

Statement norm:                                         ARR                 ARR                 ARR                 ARR                 ARR

 

Balance Sheet

Intangible fixed assets                                    2'948.0              3'754.0             5'615.0              6'224.0                792.0

Land and buildings                                     228'366.0          603'948.0          409'055.0          169'011.0          179'112.0

Other tangible fixed assets                          540'804.0          249'927.0          300'425.0          337'109.0          346'665.0

Tangible fixed assets                                  769'170.0          853'875.0          709'480.0          506'120.0          525'777.0

Financial fixed assets                                   25'504.0            25'357.0            25'564.0            24'915.0            24'400.0

other fixed assets                                            916.0                916.0             2'602.0              3'504.0             2'481.0

Fixed assets                                              798'538.0          883'902.0          743'261.0          540'763.0          553'450.0

Stocks                                                        57'338.0            63'669.0            60'355.0            83'635.0            91'018.0

Trade accounts receivable                             75'623.0            60'932.0            67'164.0            90'809.0          106'842.0

Liquid assets                                               31'486.0            54'277.0            66'811.0            88'118.0            58'548.0

Securities                                                    11'135.0            19'283.0            34'631.0          105'256.0          123'941.0

other trade accounts                                    14'149.0            19'800.0            17'029.0            18'799.0            14'114.0

Accruals                                                       3'865.0              4'612.0             5'370.0              7'416.0             3'369.0

Other current assets                                    60'635.0            97'972.0          123'841.0          219'589.0          199'972.0

Current assets                                           193'596.0          222'573.0          251'360.0          394'033.0          397'832.0

Total assets                                               992'134.0        1'106'475.0          994'621.0          934'796.0          951'282.0

 

Capital                                                        30'000.0            30'000.0            30'000.0            30'000.0            30'000.0

Other shareholders funds                            676'308.0          680'186.0          721'540.0          702'757.0          695'013.0

Total shareholders equity                            706'308.0          710'186.0          751'540.0          732'757.0          725'013.0

Minority interests                                                 0.0                   0.0                   0.0                   0.0                270.0

long term debt (financial debts)                    169'266.0          225'925.0          115'977.0            70'287.0            62'919.0

Provisions                                                   32'026.0            40'572.0            54'045.0            56'192.0            58'476.0

Other non current liabilities                               627.0                411.0             1'239.0              1'822.0             2'237.0

Non current liabilities                                  201'919.0          266'908.0          171'261.0          128'301.0          123'632.0

short term debt (financial debts)                    11'314.0            12'686.0            14'328.0            11'365.0            31'696.0

Trade accounts payable                                40'017.0            93'584.0            29'241.0            33'293.0            40'121.0

Provisions                                                   12'922.0            10'867.0            12'709.0            12'368.0            14'123.0

Accruals                                                     12'731.0              8'765.0            11'094.0            11'595.0             9'964.0

other accounts payable                                  6'923.0              3'479.0             4'448.0              5'117.0             6'463.0

other current liabilities                                  32'576.0            23'111.0            28'251.0            29'080.0            30'550.0

Current liabilities                                          83'907.0          129'381.0            71'820.0            73'738.0          102'367.0

Shareh. equity, min. interests + liabilities     992'134.0        1'106'475.0          994'621.0          934'796.0          951'282.0

 

Profit and loss account

Sales                                                                                                       509'863.0          607'440.0          630'011.0

Reduction of proceeds                                                                                 28'189.0            37'082.0            36'488.0

Net sales                                                   520'932.0          417'396.0          481'674.0          570'358.0          593'523.0

Other operating revenue                                  7'836.0            19'174.0             8'524.0              9'827.0            13'338.0

Operating revenue                                      528'768.0          436'570.0          490'198.0          580'185.0          606'861.0

Cost of goods sold                                     346'280.0          278'535.0          278'405.0          334'077.0          347'439.0

Gross profit                                                182'488.0          158'035.0          211'793.0          246'108.0          259'422.0

Other operating expenses                           202'465.0          188'695.0          203'278.0          213'957.0          208'967.0

Operating result                                          -19'977.0           -30'660.0             8'515.0            32'151.0            50'455.0

Interest revenues                                              112.0                186.0                655.0              1'146.0             1'156.0

other financial revenues                                    791.0                654.0             5'596.0              3'285.0             2'559.0

Financial income                                              903.0                840.0             6'251.0              4'431.0             3'715.0

Interest expenses                                        11'212.0              5'038.0             3'036.0              3'054.0             3'174.0

other financial expenses                                 1'832.0              5'184.0             1'317.0            13'998.0             2'963.0

Financial expenses                                      13'044.0            10'222.0             4'353.0            17'052.0             6'137.0

Financial result                                           -12'141.0             -9'382.0             1'898.0           -12'621.0            -2'422.0

Result before extraordinary items                 -32'118.0           -40'042.0            10'413.0            19'530.0            48'033.0

Extraordinary income                                   30'445.0            17'134.0            38'988.0            20'812.0             6'548.0

Extraordinary expenses                                18'765.0              3'815.0            12'507.0              2'832.0             2'345.0

Extraordinary Result                                     11'680.0            13'319.0            26'481.0            17'980.0             4'203.0

Result before taxes                                     -20'438.0           -26'723.0            36'894.0            37'510.0            52'236.0

Taxes                                                          -2'447.0             -6'713.0             7'427.0              6'914.0             9'251.0

Result before minority interests                    -17'991.0           -20'010.0            29'467.0            30'596.0            42'985.0

minority interests                                                 0.0                   0.0                   0.0                   0.0               -394.0

Result for the financial year                          -17'991.0           -20'010.0            29'467.0            30'596.0            43'379.0

 

Cash flow

Depreciation                                                66'792.0            59'518.0            62'003.0            58'831.0            58'580.0

Cash flow                                                    48'801.0            39'508.0            91'470.0            89'427.0          101'565.0

Cash flow from operating activities                -13'808.0            79'445.0          182'086.0            82'331.0            68'881.0

Investments in tangible fixed assets               24'405.0          220'871.0          266'238.0            55'275.0            54'289.0

Cash flow from investing activities                  47'381.0         -196'147.0         -238'591.0           -53'471.0           -96'700.0

Cash flow from financing activities                 -56'284.0          105'306.0            35'157.0             -2'706.0            16'310.0

Others                                                             -80.0             -1'138.0                 41.0              3'416.0             1'330.0

Change in liquidity                                       -22'791.0           -12'534.0           -21'307.0            29'570.0           -10'179.0

Liquidity at beginning of the year                   54'277.0            66'811.0            88'118.0            58'548.0            68'727.0

Liquidity at end ot the year                            31'486.0            54'277.0            66'811.0            88'118.0            58'548.0

 

Notes

Material costs                                            268'975.0          215'432.0          204'654.0          271'246.0          294'549.0

Cost of employees                                       93'165.0            89'320.0            95'671.0          103'331.0          101'211.0

Added value                                               150'731.0          127'153.0          197'604.0          202'726.0          215'201.0

Working Capital                                           92'944.0            31'017.0            98'278.0          141'151.0          157'739.0

Sales per Employee                                         610.7                443.6                497.6                570.9                595.3

Market capitalisation                                  303'000.0          510'000.0          525'000.0          464'700.0          990'000.0

Gross cost land and buildings                     383'583.0          764'342.0          562'080.0          317'828.0          329'549.0

Gross cost other tangible fixed assets       1'092'155.0          779'288.0          906'015.0          898'722.0          877'414.0

Gross cost total                                       1'475'738.0        1'543'630.0        1'468'095.0        1'216'550.0        1'206'963.0

Insurance value land and buildings               424'929.0          490'002.0          394'507.0          392'584.0          389'974.0

Insurance value other tang. fixed assets     1'331'707.0        1'345'688.0        1'120'232.0        1'094'009.0        1'052'415.0

Insurance value total                                 1'756'636.0        1'835'690.0        1'514'739.0        1'486'593.0        1'442'389.0

 

Employees  at year end                                      853                   941                  968                   999                  997

Employees inland                                               631                   616                  650                   700                  700

Employees abroad                                              222                   325                  318                   299                  297

Owner/-s

 

No. of Owner/-s:            933

Owner:                         The company is owned by various parties.

 

Class:                          40-49%

Name:                          UBV Uetikon Betriebs- und Verwaltungs AG

City/Country:                 Uetikon am See/ZH, Switzerland/CH

No. of shares:               149'990

Interest:                        49.99% voting right, 49.99% capital interest

 

Class:                          0-9%

Name:                          Ella Schnorf-Schmid

City/Country:                 Uetikon am See/ZH, Switzerland/CH

No. of shares:               21'466

Interest:                        7.16% voting right, 7.16% capital interest

 

Class:                          0-9%

Name:                          Sarasin Investmentfonds AG

City/Country:                 Basel/BS, Switzerland/CH

No. of shares:               18'478

Interest:                        6.16% voting right, 6.16% capital interest (since 03.07.2009)

 

Class:                          0-9%

Name:                          Dr. Richard Kind

City/Country:                 Dinhard/ZH, Switzerland/CH

No. of shares:               3'488

Interest:                        1.16% voting right, 1.16% capital interest

 

 

Investments

 

Class:                          100%

Name:                          CPH Chemie + Papier Holding GmbH

City/Country:                 Lahr, Germany/DE

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          CU Agro AG

City/Country:                 Uetikon am See/ZH, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest (since 2002)

 

Class:                          100%

Name:                          CU Chemie Uetikon AG

City/Country:                 Uetikon am See/ZH, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          CU Immobilien Lahr AG

City/Country:                 Uetikon am See/ZH, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Perlen Converting AG

City/Country:                 Perlen/LU, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Perlen France Sarl

City/Country:                 Champigny sur Marne, France/FR

Interest:                        100.00% voting right, 100.00% capital interest (since 1999)

 

Class:                          100%

Name:                          Perlen Papier AG

City/Country:                 Perlen/LU, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest

 

Class:                          100%

Name:                          Zeochem AG

City/Country:                 Uetikon am See/ZH, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest (since 2002)

 

Class:                          100%

Name:                          Zeowest AG

City/Country:                 Uetikon am See/ZH, Switzerland/CH

Interest:                        100.00% voting right, 100.00% capital interest

 

 

Legal Actions

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 

 

Credit Information

 

Financial Situation:        The financial situation is considered to be good.

 

Payment experiences:   Financial obligations are met as appropriate.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.53.63

UK Pound

1

Rs.86.17

Euro

1

Rs.69.74

 

 

INFORMATION DETAILS

 

Report Prepared by :

PRL

 

 

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.