MIRA INFORM REPORT

 

 

Report Date :

03.09.2012

 

IDENTIFICATION DETAILS

 

Name :

TEVA CZECH INDUSTRIES S.R.O.

 

 

Formerly Known As :

IVAX Pharmaceuticals s.r.o.

 

 

Registered Office :

Ostravská 29/305, 747 70 Opava, Komárov 

 

 

Country :

Czech Republic

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

31.12.2002

 

 

Com. Reg. No.:

C/27159

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Manufacture of basic pharmaceutical products

 

 

No. of Employees :

1450 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 – March 31st, 2012

 

Country Name

Previous Rating

(31.12.2011)

Current Rating

(31.03.2012)

Czech republic

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

Czech Republic - ECONOMIC OVERVIEW

 

The Czech Republic is a stable and prosperous market economy, which harmonized its laws and regulations with those of the EU prior to its EU accession in 2004. While the conservative, inward-looking Czech financial system has remained relatively healthy, the small, open, export-driven Czech economy remains sensitive to changes in the economic performance of its main export markets, especially Germany. When Western Europe and Germany fell into recession in late 2008, demand for Czech goods plunged, leading to double digit drops in industrial production and exports. As a result, real GDP fell 4.7% in 2009, with most of the decline occurring during the first quarter. Real GDP, however, has slowly recovered with positive quarter-on-quarter growth starting in the second half of 2009 and continuing throughout 2011. The auto industry remains the largest single industry, and, together with its upstream suppliers, accounts for nearly 24% of Czech manufacturing. The Czech Republic produced more than a million cars for the first time in 2010, over 80% of which were exported. Foreign and domestic businesses alike voice concerns about corruption especially in public procurement. Other long term challenges include dealing with a rapidly aging population, funding an unsustainable pension and health care system, and diversifying away from manufacturing and toward a more high-tech, services-based, knowledge economy.

 

Source : CIA

 


Company name & address 


Teva Czech Industries s.r.o.

Ostravská 29/305 
747 70 Opava, Komárov 

telephone: 00420/ 553 641 111
telefax: 00420/ 553 642 150
e-mail: public-relations@ivax-cz.com  
Web: www.ivax-cz.com

 

 

Company summary

 

 

Company development

Positive company development

 

 

Order situation

Good order situation

 

Terms of payment

mostly within agreed terms, but partly also delayed

 

 

Business connection

Business connections appear permissible

 

 

 

Legal form

Private limited company

 

 

Foundation

31/12/2002 - Private limited company

Comp. Register

31/12/2002, Krajský soud v Ostravě, RegNr.: C/27159
Statistical number: 26785323
Tax number: CZ26785323

 

Share Capital

31/12/2002

CZK

2 500 000 000,-

 

Shareholders

Ivax International B.V.
Computerweg 10, 3542DR Utrecht, Netherlands

CZK

2 500 000 000,-

 

 

Management

Jiří Urbanec, MBA (06.03.1959)
Vršovice 139, 747 61 Vršovice 
Executive Manager
joint power of attorney

 

JUDr. Hana Lasáková, MBA (15.11.1960)
Krnovská 127/158, 747 07 Opava 
Executive Manager
joint power of attorney

 

 

Ing. Lubomír Roder (18.07.1953)
Sluneční 2, 746 01 Opava 
Executive Manager
joint power of attorney

General Data

Manufacture, packing and sale of generic treatment preparations,
development, manufacture and sale of efficient pharmaceutical 
substances (API) as well as of plant extracts.

 

 

Main activity:
Manufacture of basic pharmaceutical products

 

 

Former name(s)
IVAX Pharmaceuticals s.r.o.
Beginning of validity: 31.12.2002
End of validity: 01.10.2009

 

 

Trade name(s)
Teva Czech Industries s.r.o.
Beginning of validity: 01.10.2009

 

Export:
France
Germany
Great Britain
Kazakhstan
Poland
Romania
Russia
Saudi Arabia
Slovakia
Switzerland
Ukraine
USA

85%

 

 

Import:
Israel
Netherlands
Germany

 

 

 

 

 

Address:
Ostravská 29/305, 747 70 Opava, Komárov 
Beginning of validity: 31.12.2002
telephone:
00420/ 553 641 111
telefax:
00420/ 553 642 150
e-mail:
public-relations@ivax-cz.com 
Web:
www.ivax-cz.com

Staff

2008

999 employees

 

 

2009

1016 employees

 

2010

1280 employees

 

 

2011

1460 employees

 

2012

1450 employees

 

 

Due to increase volume of orders for the USA, the company has extended volume of production. In connection with this, there was also increase to number of employees. 

Annual Sales

2005

actual sales

CZK

4 460 879 000,-

 

 

 

2006

actual sales

CZK

5 078 059 000,-

 

 

2007

actual sales

CZK

6 091 103 000,-

 

 

 

2008

actual sales

CZK

4 814 049 000,-

 

 

2009

actual sales

CZK

5 412 044 000,-

 

 

 

2010

actual sales

CZK

6 750 870 000,-

 

 

2011

actual sales

CZK

8 673 486 000,-

 

 

Property

Property of the company: property

CZ-747 70 Opava , Ostravská 305/29

Balance sheets

The enclosed balance of 2011 from business register, it is authenticated by the auditor. (31.12.2011 - 1 CZK)
The enclosed balance of 2010 from business register, -. (31.12.2010 - 1 CZK)
The enclosed balance of 2009 from business register, it is authenticated by the auditor. (31.12.2009 - 1 CZK)
The enclosed balance of 2008. (31.12.2008 - 1 CZK)

 

 

The enclosed profit/loss account of 2011 from business register, it is authenticated by the auditor. (31.12.2011 - 1 CZK)
The enclosed profit/loss account of 2010 from business register, -. (31.12.2010 - 1 CZK)
The enclosed profit/loss account of 2009 from business register, it is authenticated by the auditor. (31.12.2009 - 1 CZK)
The enclosed profit/loss account of 2008. (31.12.2008 - 1 CZK)

Remarks

All the sources of negative data accessible to public (insolvency registers, databases of debtors of health insurance institutions, commercial bulletin, collection database) are currently monitored.

 

 

Business management: 
Jiří Urbanec, MBA – general director 
Ing. Vít Luštinec – financial director
Karin Martínková – press spokesman, phone: 00420/ 553 642 433 

The company is a part of the group Teva Pharmaceutical, Israel.

The company has taken its origin by division of the joint-stock company IVAX - CR a.s., 
IČ 47675764, ( former bearing the name GALENA a.s.) with origin of two successor companies, namely on the basis of resolution of the General Meeting of the disappearing company from June 25, 2002. To the inquired company, property of the disappearing company stated in the Project of Division has been transferred. The second successor company is První Opavská a.s.
The original firm was founded in 1883.

Contact:
Milena Bromová – chief accountant, phone.: 00420/ 553 642 522

Bankers

Citibank Europe plc, organizační složka 

 

 

Copyright: s.r.o. Praha

This information is addressed exclusively to the addressee. Contractor obligates to provide updated information. Although it is always put maximum effort to collect actual and exact information, it is not confirmed as delinquency if there are particular inaccurateness contained within the information, which are not considered as essential in terms of the objective for which the information is provided to the addressee. Contractor and recipient conform to the rules of the Name and Description Security Act, Nub.101/2000. According to the Name and Description Security Act, recipient has the right to process or to use forwarding data only for the purpose for which information has been sent to the recipient. Usage for other purpose is acceptable only in case referring to valid regulations of the above mentioned act.

 

 

Financial data

 

 

balance

31.12.2008 (CZK)

31.12.2009 (CZK)

31.12.2010 (CZK)

31.12.2011 (CZK)

r1

TOTAL ASSETS

8 596 968 000

9 376 465 000

11 286 847 000

13 610 151 000

r2

Receivables for subscriptions

 

0

0

0

r3

Fixed assets

1 894 917 000

3 020 710 000

3 562 443 000

4 174 006 000

r4

Intangible fixed assets

198 663 000

236 104 000

251 542 000

270 793 000

r5

Incorporation expenses

 

0

0

0

r6

Research and development

 

0

0

0

r7

Software

10 826 000

10 031 000

31 257 000

88 720 000

r8

Valuable rights

62 303 000

50 977 000

63 535 000

52 011 000

r9

Goodwill

 

0

0

0

r10

Other intangible fixed assets

521 000

691 000

1 442 000

1 114 000

r11

Intangible fixed assets under construction

125 013 000

174 405 000

146 875 000

128 948 000

r12

Advance payments for intangible fixed assets

 

0

8 433 000

0

r13

Tangible fixed assets

1 695 932 000

2 784 284 000

3 310 901 000

3 903 213 000

r14

Lands

86 508 000

87 460 000

87 460 000

101 592 000

r15

Constructions

651 652 000

649 992 000

1 105 620 000

1 116 739 000

r16

Equipment

790 797 000

936 818 000

1 679 179 000

1 936 029 000

r17

Perennial corps

 

0

0

0

r18

Breeding and draught animals

 

0

0

0

r19

Other tangible fixed assets

209 000

210 000

209 000

209 000

r20

Tangible fixed assets under construction

164 822 000

1 091 755 000

211 686 000

682 449 000

r21

Advance payments for tangible fixed assets

1 944 000

18 049 000

226 747 000

66 195 000

r22

Adjustment to acquired assets

 

0

0

0

r23

Long-term financial assets

322 000

322 000

0

0

r24

Shares in controlled and managed organizations

322 000

322 000

0

0

r25

Shares in accounting units with substantial influence

 

0

0

0

r26

Other securities and shares

0

0

0

0

r27

Loans to controlled and managed organizations and to accounting unit with substantial influence

 

0

0

0

r28

Other financial investments

 

0

0

0

r29

Financial investments acquired

 

0

0

0

r30

Advance payments for long-term financial assets

 

0

0

0

r31

Current assets

6 598 249 000

6 259 724 000

7 552 868 000

9 268 248 000

r32

Inventory

1 915 578 000

2 124 900 000

2 474 036 000

2 597 575 000

r33

Materials

609 191 000

573 704 000

790 749 000

928 799 000

r34

Work in progress and semi-products

364 085 000

564 517 000

703 842 000

666 864 000

r35

Finished products

766 682 000

628 933 000

711 670 000

828 014 000

r36

Animals

 

0

0

0

r37

Merchandise

170 963 000

335 213 000

266 031 000

151 552 000

r38

Advance payments for inventory

4 657 000

22 533 000

1 744 000

22 346 000

r39

Long-term receivables

527 999 000

1 236 580 000

2 213 808 000

1 627 574 000

r40

Trade receivables

 

1 223 051 000

2 213 738 000

1 556 400 000

r41

Receivables from controlled and managed organizations

518 280 000

0

0

75 000

r42

Receivables from accounting units with substantial influence

 

0

0

71 099 000

r43

Receivables from partners, cooperative members and association members

 

0

0

0

r44

Long-term deposits given

163 000

66 000

70 000

0

r45

Estimated receivable

 

0

0

0

r46

Other receivables

 

0

0

0

r47

Deferred tax receivable

9 556 000

13 463 000

0

0

r48

Short-term receivables

2 654 180 000

2 606 843 000

2 855 520 000

4 928 943 000

r49

Trade receivables

1 978 549 000

1 999 764 000

2 617 551 000

3 024 494 000

r50

Receivables from controlled and managed organizations

525 140 000

395 160 000

0

0

r51

Receivables from accounting units with substantial influence

 

0

113 317 000

0

r52

Receivables from partners, cooperative members and association members

 

0

0

1 618 215 000

r53

Receivables from social security and health insurance

 

0

0

0

r54

Due from state - tax receivable

135 257 000

133 742 000

65 683 000

58 895 000

r55

Short-term deposits given

14 634 000

17 385 000

8 807 000

32 173 000

r56

Estimated receivable

 

0

49 636 000

194 735 000

r57

Other receivables

600 000

60 792 000

526 000

431 000

r58

Short-term financial assets

1 500 492 000

291 401 000

9 504 000

114 156 000

r59

Cash

668 000

663 000

910 000

538 000

r60

Bank accounts

1 499 824 000

290 738 000

8 594 000

113 618 000

r61

Short-term securities and ownership interests

 

0

0

0

r62

Short-term financial assets acquired

 

0

0

0

r63

Accruals

103 802 000

96 031 000

171 536 000

167 897 000

r64

Deferred expenses

19 094 000

22 026 000

27 527 000

28 261 000

r65

Complex deferred costs

1 383 000

51 261 000

130 437 000

107 107 000

r66

Deferred income

83 325 000

22 744 000

13 572 000

32 529 000

r67

TOTAL LIABILITIES

8 596 968 000

9 376 465 000

11 286 847 000

13 610 151 000

r68

Equity

7 283 959 000

8 132 114 000

9 415 401 000

11 958 027 000

r69

Registered capital

2 500 000 000

2 500 000 000

2 500 000 000

2 500 000 000

r70

Registered capital

2 500 000 000

2 500 000 000

2 500 000 000

2 500 000 000

r71

Company’s own shares and ownership interests (-)

 

0

0

0

r72

Changes of registered capital ( +/- )

 

0

0

0

r73

Capital funds

 

0

0

0

r74

Share premium

 

0

0

0

r75

Other capital funds

 

0

0

0

r76

Differences from revaluation of assets and liabilities ( +/- )

 

0

0

0

r77

Differences from revaluation in transformation ( +/- )

 

0

0

0

r78

Reserve funds, statutory reserve account for cooperatives, and other retained earnings

250 000 000

250 000 000

250 000 000

250 000 000

r79

Legal reserve fund / indivisible fund

250 000 000

250 000 000

250 000 000

250 000 000

r80

Statutory and other funds

 

0

0

0

r81

Profit / loss - previous years

3 480 572 000

4 533 959 000

5 382 114 000

6 665 401 000

r82

Retained earnings from previous years

3 480 572 000

4 533 959 000

5 382 114 000

6 665 401 000

r83

Accumulated losses from previous years

 

0

0

0

r84

Profit / loss - current year (+/-)

1 053 387 000

848 155 000

1 283 287 000

2 542 626 000

r85

Other sources

1 292 674 000

1 216 942 000

1 847 894 000

1 608 357 000

r86

Reserves

298 764 000

295 493 000

266 345 000

342 616 000

r87

Reserves under special statutory regulations

 

0

0

0

r88

Reserves for pension and similar payables

 

0

0

0

r89

Income tax reserves

 

0

0

0

r90

Other reserves

298 764 000

295 493 000

266 345 000

342 616 000

r91

Long-term payables

0

0

33 655 000

0

r92

Trade payables

 

0

0

0

r93

Payables to controlled and managed organizations

 

0

0

0

r94

Payables to accounting units with substantial influence

 

0

0

0

r95

Payables from partners, cooperative members and association members

 

0

0

0

r96

Long-term advances received

 

0

0

0

r97

Issues bonds

 

0

0

0

r98

Long-term notes payables

 

0

0

0

r99

Estimated payables

 

0

0

0

r100

Other payables

 

0

0

0

r101

Deferred tax liability

0

0

33 655 000

0

r102

Short-term payables

993 910 000

921 449 000

1 547 894 000

1 265 741 000

r103

Trade payables

814 102 000

766 316 000

1 409 532 000

985 002 000

r104

Payables to controlled and managed organizations

 

57 579 000

0

0

r105

Payables to accounting units with substantial influence

 

0

12 128 000

0

r106

Payables from partners, cooperative members and association members

40 305 000

0

0

0

r107

Payroll

20 393 000

27 337 000

29 713 000

31 983 000

r108

Payables to social securities and health insurance

9 847 000

12 454 000

16 357 000

17 120 000

r109

Due from state - tax liabilities and subsidies

3 734 000

5 042 000

6 011 000

6 209 000

r110

Short-term deposits received

4 366 000

1 138 000

1 290 000

273 000

r111

Issues bonds

 

0

0

0

r112

Estimated payables

100 700 000

51 105 000

72 119 000

224 195 000

r113

Other payables

463 000

478 000

744 000

959 000

r114

Bank loans and financial accommodations

0

0

0

0

r115

Long-term bank loans

0

0

0

0

r116

Short-term bank loans

0

0

0

0

r117

Short-term accommodations

0

0

0

0

r118

Accruals

20 335 000

27 409 000

23 552 000

43 767 000

r119

Accrued expenses

18 165 000

27 402 000

23 542 000

43 767 000

r120

Deferred revenues

2 170 000

7 000

10 000

0

 

 

 

profit/loss account

31.12.2008 (CZK)

31.12.2009 (CZK)

31.12.2010 (CZK)

31.12.2011 (CZK)

a1

Turnover

4 814 049 000

5 412 044 000

6 750 870 000

8 673 486 000

a2

Revenues from sold goods

383 685 000

713 932 000

1 247 440 000

876 039 000

a3

Expenses on sold goods

320 294 000

495 561 000

1 233 425 000

744 691 000

a4

Sale margin

63 391 000

218 371 000

14 015 000

131 348 000

a5

Production

4 661 725 000

4 757 439 000

5 737 285 000

7 964 883 000

a6

Revenues from own products and services

4 430 364 000

4 698 112 000

5 503 430 000

7 797 447 000

a7

Change in inventory of own products

224 733 000

45 352 000

224 596 000

165 518 000

a8

Capitalization

6 628 000

13 975 000

9 259 000

1 918 000

a9

Production consumption

3 005 567 000

2 922 417 000

3 734 831 000

4 694 993 000

a10

Consumption of material and energy

1 815 390 000

1 635 190 000

2 333 333 000

3 688 765 000

a11

Services

1 190 177 000

1 287 227 000

1 401 498 000

1 006 228 000

a12

Added value

1 719 549 000

2 053 393 000

2 016 469 000

3 401 238 000

a13

Personnel expenses

496 661 000

523 555 000

652 443 000

750 187 000

a14

Wages and salaries

365 960 000

389 935 000

479 326 000

542 587 000

a15

Renumeration of board members

 

0

0

0

a16

Social security expenses and health insurance

112 465 000

115 958 000

151 217 000

180 771 000

a17

Other social expenses

18 236 000

17 662 000

21 900 000

26 829 000

a18

Taxes and fees

1 610 000

984 000

2 418 000

1 499 000

a19

Depreciations of intangible and tangible assets

205 435 000

207 693 000

279 737 000

187 622 000

a20

Revenues from disposals of fixed assets and materials

19 643 000

29 682 000

111 957 000

45 367 000

a21

Revenues from disposals of fixed assets

782 000

1 132 000

69 656 000

2 406 000

a22

Revenues from disposals of materials

18 861 000

28 550 000

42 301 000

42 961 000

a23

Net book value of disposed fixed assets and materials

4 592 000

27 810 000

103 207 000

39 285 000

a24

Net book value of sold fixed assets

1 781 000

852 000

68 275 000

95 000

a25

Net book value of sold material

2 811 000

26 958 000

34 932 000

39 190 000

a26

Change in operating reserves and adjustments and complex deferred costs ( + / - )

-78 171 000

54 873 000

-161 757 000

56 862 000

a27

Other operating revenues

101 109 000

1 289 000

15 934 000

15 239 000

a28

Other operating expenses

138 576 000

68 782 000

68 925 000

66 728 000

a29

Transfer of operating revenues

 

0

0

0

a30

Transfer of operating expenses

 

0

0

0

a31

Operating profit / loss

1 071 598 000

1 200 667 000

1 199 387 000

2 359 661 000

a32

Revenues from sales of securities and ownership interests

 

0

281 809 000

0

a33

Sold securities and ownership interests

 

0

202 000

0

a34

Revenues from long-term financial assets

 

0

0

0

a35

Revenues from shares in controlled and managed organizations and in accounting units with substantial influence

 

0

0

0

a36

Revenues from others securities and ownership interests

 

0

0

0

a37

Revenues from other long-term financial assets

 

0

0

0

a38

Revenues from short-term financial assets

 

0

0

0

a39

Expenses associated with financial assets

 

0

0

0

a40

Revenues from revaluation of securities and derivatives

 

0

0

0

a41

Cost of revaluation of securities and derivatives

 

0

0

0

a42

Change in financial reserves and adjustments ( + / - )

 

0

0

0

a43

Interest revenues

83 013 000

34 612 000

27 890 000

30 275 000

a44

Interest expenses

 

0

0

0

a45

Other financial revenues

469 889 000

341 145 000

255 411 000

257 479 000

a46

Other financial expenses

384 234 000

511 546 000

236 466 000

0

a47

Transfer of financial revenues

 

0

0

0

a48

Transfer of financial expenses

 

0

0

0

a49

Profit / loss from financial operations ( transactions )

168 668 000

-135 789 000

328 442 000

287 754 000

a50

Income tax on ordinary income

186 879 000

216 723 000

244 542 000

104 789 000

a51

Due tax

234 374 000

220 629 000

197 424 000

209 543 000

a52

Tax deferred

-47 495 000

-3 906 000

47 118 000

-104 754 000

a53

Operating profit / loss ordinary activity

1 053 387 000

848 155 000

1 283 287 000

2 542 626 000

a54

Extraordinary revenues

 

0

0

0

a55

Extraordinary expenses

 

0

0

0

a56

Income tax on extraordinary income

 

0

0

0

a57

Due tax

 

0

0

0

a58

Tax deferred

 

0

0

0

a59

Operating profit / loss extraordinary activity

 

0

0

0

a60

Transfer profit ( loss ) to partners (+/-)

 

0

0

0

a61

Profit / loss of current accounting period (+/-)

1 053 387 000

848 155 000

1 283 287 000

2 542 626 000

a62

Profit / loss before tax (+/-)

1 240 266 000

1 064 878 000

1 527 829 000

2 647 415 000

 

Operating cash flow

950 781 000

537 473 000

 

 

 

Investment cash flow

-182 578 000

-1 763 838 000

 

 

 

Financial cash flow

0

 

 

 

 

Receivables after due date total

373 333 000

614 923 000

284 733 000

589 023 000

 

Liabilities after due date total

52 437 000

277 711 000

379 238 000

216 275 000

Balance indices

 

31.12.2008

31.12.2009

31.12.2010

31.12.2011

Return on total assets ROA (in %)

a62/r1 * 100

14,43

11,36

13,54

19,45

Return on equity ROE (in %)

a62/r68 * 100

17,03

13,09

16,23

22,14

Return on sales ROS (in %)

a62/a1 * 100

25,76

19,68

22,63

30,52

Turnover of receivables (in days)

r49/a1 * 365

150,01

134,87

141,52

127,28

Turnover of liabilities (in days)

r103/a1 * 365

61,73

51,68

76,21

41,45

Turnover of inventories (days)

r32/a1 * 365

145,24

143,31

133,76

109,31

Net working capital (in ths. CZK)

r31 - r102 - r116 - r117

5 604 339,00

5 338 275,00

6 004 974,00

8 002 507,00

Ratio of accounts payable to accounts receivable (in %)

(r39+r48) / (r91+r102) * 100

320,17

417,11

320,53

518,00

Ratio of profit/loss to tangible assets (in%)

r3 / a1 * 100

39,36

55,81

52,77

48,12

Current ratio

r31 / (r102+r116+r117)

6,64

6,79

4,88

7,32

Quick ratio

(r58+r48) / (r102+r116+r117)

4,18

3,15

1,85

3,98

Cash ratio

r58 / (r102+r116+r117)

1,51

0,32

0,01

0,09

Debt ratio I (in %)

(1-r68/r67) * 100

15,27

13,27

16,58

12,14

Debt ratio II (in %)

r85/r67 * 100

15,04

12,98

16,37

11,82

 


 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.55.72

UK Pound

1

Rs.87.95

Euro

1

Rs.69.66

 

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.