MIRA INFORM REPORT

 

 

Report Date :

12.09.2012

 

IDENTIFICATION DETAILS

 

Name :

PHU CUONG JOSTOCO SEAFOOD CORPORATION

 

 

Registered Office :

No 454 Ly Thuong Kiet Street, Ca Mau City, Ca Mau Province,

 

 

Country :

Viet Nam

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

1995

 

 

Com. Reg. No.:

2000226385

 

 

Legal Form :

Joint stock company

 

 

Line of Business :

Processing and trading in fishery products

 

 

No. of Employees :

1,000

 

 

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 :

Good

Payment Behaviour :

Regular

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)

Viet Nam

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

VIET NAM - 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

 

PHU CUONG JOSTOCO SEAFOOD CORPORATION

Vietnamese Name

 

CONG TY CP THUY SAN PHU CUONG JOSTOCO

Short name

 

PHU CUONG JOSTOCO CORP

Type of Business

 

Joint stock company

Year Established

 

1995

Establishment Decision

 

04/GP-UB

Date of Issuance

 

11 Mar 1998

Place of Issuance

 

People’s Committee of Ca Mau Province

Business Registration No.

 

2000226385

Date of Registration

 

01 Jun 2009

Place of Registration

 

Department Of Planning and Investment Of Ca Mau Province

Chartered capital

 

VND 200,000,000,000

Status

 

Unlisted

Tax code

 

2000226385

Total Employees

 

1,000

Size

 

Large

 

Historical Identification & Legal form

 

List

Changed Items

Date of changes

1

Subject has got former Address: No 94 - Ly Thuong Kiet Street - 7 Ward - Ca Mau City - Ca Mau Province - Viet Nam

Changed to: No 454 - Ly Thuong Kiet Street - Ward 6 - Ca Mau City - Ca Mau Province - Viet Nam

01 Jun 2012

2

Subject has got former Chartered capital: 400,000,000,000 VND Changed to: 200,000,000,000 VND

01 Jun 2012

3

Subject has got former Registered Vietnamese Name: CONG TY TNHH CHE BIEN THUY SAN VA XNK PHU CUONG

Changed to: CONG TY CO PHAN THUY SAN PHU CUONG JOSTOCO

01 Jun 2009

4

Subject has got former Registered English Name: PHU CUONG SEAFOOD PROCESSING AND IMPORT-EXPORT CO., LTD

Changed to: PHU CUONG JOSTOCO SEAFOOD CORPORATION

01 Jun 2009

5

Subject has got former Business Registration No: 049343 issued on 12 Mar 1998 Changed to: No.2000226385

01 Jun 2009

6

Subject has got former Type of Business: Limited Liability Company Changed to: Joint Stock Company

01 Jun 2009

7

Subject has got former chartered capital: 100,000,000,000 VND Changed to: 400,000,000,000 VND

N/A

 

 

 

ADDRESSES

 

Head Office

Address

 

No 454 Ly Thuong Kiet Street, Ca Mau City, Ca Mau Province, Vietnam

Telephone

 

(84-780) 3 826047/ 3694999

Fax

 

(84-780) 3 560334

Email

 

pcj@pcj.com.vn

Website

 

http://www.pcj.com.vn

 

 

 

SUBSIDIARIES AND RELATED COMPANIES

 

1. MINH HAI EXPORT FROZEN SEAFOOD PROCESSING JOINT STOCK COMPANY

Business Registration

 

2000104034

Date of Registration

 

18 Dec 2008

Place of Registration

 

Planning and Investment Department of Ca Mau Province

Registered Capital

 

VND 153,227,230,000

Tax code

 

2000104034

Address

 

No. 9 Cao Thang Ward 8, Ca Mau City, Ca Mau Province, Vietnam

Tel

 

(84-780)3839396/3836971

Fax

 

(84-780)3836921

Website

 

www.jostoco.com

 

2. VIET CUONG JOSTOCO SEAFOOD CORPORATION

Address

 

No 99 - Hamlet Kim Cau Vinh Trach Ward, Bac Lieu City, Bac Lieu Province, Vietnam

Tel

 

(84-781) 3 980332

Fax

 

(84-781) 3 980330

 

3. HUNG CUONG JOSTOCO SEAFOOD CORPORATION

Address

 

Hamlet Thanh My 2 Thanh Duc Ward, Long Ho District, Vinh Long Province, Vietnam

Tel

 

(84-70) 3 964342

Fax

 

(84-70) 3 964337

 

4. HAI CUONG JOSTOCO PACKING CORPORATION

Address

 

Cay Tram Hamlet Dinh Binh Ward, Ca Mau City, Ca Mau Province, Vietnam

Tel

 

(84-780) 3 684384

 

5. TIEN HAI MATERIALS, PACKAGE JOINT-STOCK COMPANY

Address

 

7 Hamlet 8 Ward, Ca Mau City, Ca Mau Province, Vietnam

Tel

 

(84-780) 3 832326

Fax

 

(84-780) 3 834343

 

 

 

DIRECTORS

 

1. NAME

 

Mr. NGUYEN VIET CUONG

Position

 

Chairman

ID Number/Passport

 

380914599

ID Issue Date

 

23 Jun 1994

ID Issue Place

 

Minh Hai Department Of Public Security

Resident

 

35 Ly Bon, Ward 2, Ca Mau City, Ca Mau Province, Vietnam

Nationality

 

Vietnamese

Tel/Mobile phone

 

+84 903903370

 

2. NAME

 

Mr. HUYNH CONG NHAN

Position

 

Director

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84-780) 3 826047, ext 13

Email

 

hc.nhan@jostoco.com/ nhan.huynh@pcj.com.vn

 

3. NAME

 

Mr. HUYNH ANH VU

Position

 

Vice Director

Resident

 

Ca Mau Province, Vietnam

Nationality

 

Vietnamese

 

4. NAME

 

Ms. LE THI HONG

Position

 

Vice Director

Nationality

 

Vietnamese

 

5. NAME

 

Ms. NGUYEN MY TRINH

Position

 

Chief Accountant

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84-780) 3 826047, ext 20 / (84) 909 604 880

 

 

 

BUSINESS NATURE AND ACTIVITIES

 

The subject is specializing in processing and trading in fishery products

 

 

IMPORT & EXPORT ACTIVITIES

 

EXPORT:

·         Types of products

 

Seafood, specialization on freeze shrimp such as: raw head less shell on black tiger shrimp; raw peeled deveined tail on/off black tiger shrimp; raw nobashi black tiger shrimp, etc.

·         Market

 

EU, Japan, Singapore, Malaysia, USA…

·         Mode of payment

 

L/C, T/T

 

IMPORT:

Note: Currently, the subject does not import

 

 

BANKERS

 

1. VIET NAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE CA MAU BRANCH

Address

 

No.94 Ly Thuong Kiet, Ca Mau City, Ca Mau Province, Vietnam

Telephone

 

(84-780) 3831102

 

 

 

SHAREHOLDERS

 

1. NAME

 

Mr. NGUYEN VIET CUONG

Position

 

Chairman

ID Number/Passport

 

380914599

Issued on

 

23 Jun 1994

Issued Place

 

Minh Hai Department Of Public Security

Resident

 

35 Ly Bon, Ward 2, Ca Mau City, Ca Mau Province, Vietnam

Mobile phone

 

+84 903903370

Nationality

 

Vietnamese

Value of shares

 

VND 130,000,000,000

Percentage

 

65%

 

2. NAME

 

Ms. LY THI BAU

ID Number/Passport

 

380996677

Resident

 

No 35 Ly Bon Street - Lane 6 - 2 Ward, Ca Mau City, Ca Mau Province, Vietnam

Nationality

 

Vietnamese

Value of shares

 

VND 68,000,000,000

Percentage

 

34%

 

3. NAME

 

Mr. LY PHUOC AN

ID Number/Passport

 

380720759

Resident

 

No 15A Car No 4 Street - 7 Ward, Ca Mau City, Ca Mau Province, Vietnam

Nationality

 

Vietnamese

Value of shares

 

VND 2,000,000,000

Percentage

 

1%

 

 

 

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

526,214,411,144

333,499,461,654

147,781,517,346

I. Cash and cash equivalents

1,858,904,234

9,651,250,992

15,374,740,662

1. Cash

1,858,904,234

9,651,250,992

15,374,740,662

2. Cash equivalents

 

 

0

II. Short-term investments

 

 

0

1. Short-term investments

 

 

0

2. Provisions for devaluation of short-term investments

 

 

0

III. Accounts receivable

507,498,503,499

303,189,962,822

79,208,515,753

1. Receivable from customers

27,568,602,594

91,030,550,056

8,864,796,689

2. Prepayments to suppliers

5,246,977,807

68,672,702,607

2,902,193,213

3. Inter-company receivable

266,607,928,506

106,180,337,325

0

4. Receivable according to the progress of construction

 

 

0

5. Other receivable

208,074,994,592

37,306,372,834

67,441,525,851

6. Provisions for bad debts

 

 

0

IV. Inventories

6,788,057,154

15,106,834,857

42,972,607,085

1. Inventories

6,788,057,154

15,106,834,857

42,972,607,085

2. Provisions for devaluation of inventories

 

 

0

V. Other Current Assets

10,068,946,257

5,551,412,983

10,225,653,846

1. Short-term prepaid expenses

 

23,617,858

0

2. VAT to be deducted

3,978,646,210

3,611,087,729

3,377,703,551

3. Taxes and other accounts receivable from the State

 

 

427,180

4. Other current assets

6,090,300,047

1,916,707,396

6,847,523,115

B. LONG-TERM ASSETS

187,949,708,632

249,480,141,672

191,258,541,191

I. Long term accounts receivable

37,619,213,015

35,412,319,742

0

1. Long term account receivable from customers

 

 

0

2. Working capital in affiliates

37,619,213,015

35,412,319,742

0

3. Long-term inter-company receivable

 

 

0

4. Other long-term receivable

 

 

0

5. Provisions for bad debts from customers

 

 

0

II. Fixed assets

22,597,515,972

13,294,228,079

20,004,004,103

1. Tangible assets

10,838,788,696

7,071,804,354

15,888,325,538

- Historical costs

16,716,228,495

11,975,613,040

34,226,705,656

- Accumulated depreciation

-5,877,439,799

-4,903,808,686

-18,338,380,118

2. Financial leasehold assets

 

 

0

- Historical costs

 

 

0

- Accumulated depreciation

 

 

0

3. Intangible assets

737,468,440

751,443,208

765,417,976

- Initial costs

789,873,820

789,873,820

789,873,820

- Accumulated amortization

-52,405,380

-38,430,612

-24,455,844

4. Construction-in-progress

11,021,258,836

5,470,980,517

3,350,260,589

III. Investment property

 

 

0

Historical costs

 

 

0

Accumulated depreciation

 

 

0

IV. Long-term investments

126,383,346,726

198,941,799,726

170,096,416,408

1. Investments in affiliates

125,787,150,000

125,787,150,000

18,362,900,000

2. Investments in business concerns and joint ventures

 

 

25,219,000,000

3. Other long-term investments

596,196,726

73,154,649,726

126,514,516,408

4. Provisions for devaluation of long-term investments

 

 

0

V. Other long-term assets

1,349,632,919

1,831,794,125

1,158,120,680

1. Long-term prepaid expenses

1,349,632,919

1,831,794,125

1,158,120,680

2. Deferred income tax assets

 

 

0

3. Other long-term assets

 

 

0

VI. Goodwill

 

 

 

1. Goodwill

 

 

 

TOTAL ASSETS

714,164,119,776

582,979,603,326

339,040,058,537

 

LIABILITIES

A- LIABILITIES

502,092,501,846

379,823,367,596

133,721,379,684

I. Current liabilities

501,972,501,846

376,758,367,596

133,641,311,317

1. Short-term debts and loans

265,797,481,695

278,919,555,224

115,849,625,282

2. Payable to suppliers

30,027,083,104

1,294,971,758

10,639,322,165

3. Advances from customers

55,698,275

461,153,661

563,914,180

4. Taxes and other obligations to the State Budget

3,081,112,527

121,672,328

1,006,306

5. Payable to employees

959,610,009

845,760,966

709,004,097

6. Accrued expenses

 

 

0

7. Inter-company payable

201,927,414,034

84,422,076,667

0

8. Payable according to the progress of construction contracts

 

 

0

9. Other payable

124,102,202

10,646,281,017

5,878,439,287

10. Provisions for short-term accounts payable

 

 

0

11. Bonus and welfare funds

 

46,895,975

 

II. Long-Term Liabilities

120,000,000

3,065,000,000

80,068,367

1. Long-term accounts payable to suppliers

 

 

0

2. Long-term inter-company payable

 

 

0

3. Other long-term payable

120,000,000

3,065,000,000

52,493,276

4. Long-term debts and loans

 

 

0

5. Deferred income tax payable

 

 

0

6. Provisions for unemployment allowances

 

 

27,575,091

7. Provisions for long-term accounts payable

 

 

0

8. Unearned Revenue

 

 

 

9. Science and technology development fund

 

 

 

B- OWNER’S EQUITY

212,071,617,930

203,156,235,730

205,318,678,853

I. OWNER’S EQUITY

212,071,617,930

203,156,235,730

205,269,469,488

1. Capital

200,000,000,000

200,000,000,000

200,000,000,000

2. Share premiums

 

 

0

3. Other sources of capital

 

 

0

4. Treasury stocks

 

 

0

5. Differences on asset revaluation

 

 

0

6. Foreign exchange differences

739,305,979

399,284,290

-442,606,629

7. Business promotion fund

 

 

0

8. Financial reserved fund

 

 

0

9. Other funds

 

 

0

10. Retained earnings

11,332,311,951

2,756,951,440

5,712,076,117

11. Construction investment fund

 

 

0

12. Business arrangement supporting fund

 

 

 

II. Other sources and funds

 

 

49,209,365

1. Bonus and welfare funds (Elder form)

 

 

49,209,365

2. Sources of expenditure

 

 

0

3. Fund to form fixed assets

 

 

0

MINORITY’S INTEREST

 

 

 

TOTAL LIABILITIES AND OWNER’S EQUITY

714,164,119,776

582,979,603,326

339,040,058,537

 

 

PROFIT & LOSS STATEMENT

 

Description

FY2011

FY2010

FY2009

1. Total Sales

401,189,785,370

630,646,173,172

288,838,142,120

2. Deduction item

9,818,614,973

3,734,277,687

664,434,012

3. Net revenue

391,371,170,397

626,911,895,485

288,173,708,108

4. Costs of goods sold

375,526,197,651

599,357,819,768

269,849,440,607

5. Gross profit

15,844,972,746

27,554,075,717

18,324,267,501

6. Financial income

63,432,402,192

22,364,548,132

10,670,245,677

7. Financial expenses

44,403,300,644

20,536,132,239

10,118,006,259

- In which: Loan interest expenses

39,494,358,940

19,518,130,171

8,017,384,485

8. Selling expenses

16,548,301,997

19,667,727,628

10,214,174,878

9. Administrative overheads

6,759,503,678

7,335,811,589

3,338,256,658

10. Net operating profit

11,566,268,619

2,378,952,393

5,324,075,383

11. Other income

790,957,998

485,736,362

1,949,433,440

12. Other expenses

815,392,509

14,545,267

33,738,672

13. Other profit /(loss)

-24,434,511

471,191,095

1,915,694,768

14. Total accounting profit before tax

11,541,834,108

2,850,143,488

7,239,770,151

15. Current corporate income tax

2,966,473,596

50,378,703

397,177,138

16. Deferred corporate income tax

 

 

0

17. Interest from subsidiaries/related companies

 

 

 

18. Profit after tax

8,575,360,512

2,799,764,785

6,842,593,013

 

 

FINANCIAL RATIOS AND AVERAGE INDUSTRY RATIOS

 

Description

FY2011

FY2010

FY2009

Average Industry

Current liquidity ratio

1.05

0.89

1.11

1.32

Quick liquidity ratio

1.03

0.85

0.78

0.69

Inventory circle

34.30

39.67

6.28

4.18

Average receive period

473.30

176.52

100.33

69.24

Utilizing asset performance

0.55

1.08

0.85

1.47

Liability by total assets

70.30

65.15

39.44

64.25

Liability by owner's equity

236.76

186.96

65.13

263.88

Ebit / Total assets (ROA)

7.15

3.84

4.50

9.37

Ebit / Owner's equity (ROE)

24.07

11.01

7.43

32.97

Ebit / Total revenue (NPM)

12.72

3.55

5.28

6.94

Gross profit / Total revenue (GPM)

3.95

4.37

6.34

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

11,541,834,108

2,850,143,488

2. Adjustments

 

 

- Depreciation and amortization

 

 

- Provisions

987,605,881

1,827,292,619

- Unrealized foreign exchange difference

 

-399,284,290

- Gain/loss from investing activities

-55,752,998,979

-3,261,488,700

- Interest expense

39,494,358,940

19,518,130,171

3. Operating profit before movements in working capital

-3,729,200,050

20,534,793,288

- (Increase)/Decrease in receivables

-30,298,071,621

-196,299,302,007

- (Increase)/Decrease in inventories

8,318,777,703

27,883,505,875

- Increase/(Decrease) in accounts payable

76,924,129,183

78,200,149,288

- (Increase)/Decrease in prepaid expenses

505,779,064

-697,291,302

- Interest paid

-39,494,358,940

-19,518,130,171

- Corporate income tax paid

-50,378,790

 

- Other cash inflows

93,411,405

11,931,991,406

- Other cash outflows

 

-4,255,905,268

Net cash from (used in) operating activities

12,270,087,954

-82,220,188,891

II. Cash flows from investing activities

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

-10,290,893,774

-2,542,919,421

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

-3,071,345,000

-87,292,800,000

6. Cash recovered from investments in other entities

1,862,200,000

 

7. Interest income, dividend and profit paid

4,686,454,311

3,261,488,700

Net cash from (used in) investing activities

-6,813,584,463

-86,574,230,721

III. Cash flows from financing activities

1. Proceeds from issuing stocks, receiving capital from owners

 

 

2. Capital withdrawal, buying back issued stocks

 

 

3. Proceeds from borrowings

979,733,956,216

833,941,753,807

4. Repayment of borrowings

-993,202,641,389

-670,870,823,865

5. Repayment of obligations under finance leased

 

 

6. Dividends paid

 

 

Net cash from (used in) financing activities

-13,468,685,173

163,070,929,942

Net increase/(decrease) in cash and cash equivalents

-8,012,181,682

-5,723,489,670

Cash and cash equivalents at beginning of year

9,651,250,992

15,374,740,662

Effect from changing foreign exchange rate

219,834,924

 

Cash and cash equivalents at end of year

1,858,904,234

9,651,250,992

 

 

 

PAYMENT HISTORY & PERFORMANCE EXPERIENCES

 

Trade Morality

 

Fair

Liquidity

 

Medium

Payment status

 

Above Average

Financial Situation

 

Above Average

Development trend

 

Stable

Litigation data

 

No Record

Bankruptcy

 

No Record

Payment Methods

 

L/C; T/T

Sale Methods

 

To contracts

Public opinion

 

Good

 

 

 

INTERPRETATION ON THE SCORES

 

Established in 1995, the subject was known as a small and retail workshop processed for exported shrimps. Step by step, it became PHU CUONG JOSTOCO SEAFOOD CORPORATION and carried tremendous achievement with its famous brand name.

Head office and factory of the subject are located at No 454, Ly Thuong Kiet Street, Ca Mau City, Ca Mau Province. It specializes in frozen shrimps processing for export. It always attaches special importance to products quality and it’s applied quality management system according to ISO 9001:2000, HACCP standard. Products of the subject have been accepted by many large markets in the world and have been exported to Japan, EU, Singapore, and USA…

Following financial data provided by the subject, its financial situation is above average. Total assets increased year on year. Total sales in 2011 decreased in comparison with one in 2010 but profit after tax increased. Because the financial profit was high and the expenses minimized in 2011. In fact, the net revenue of the subject and other companies in the same business field had downward trend in 2011. So the subject improved its profit from other income.

In general, the subject is a large company that has operated for over 15 years. The business activities seem busy and stable. It is expected to develop in the future. The subject is reliable to meet all normal transactions.

 

 

 

 

 


APPENDIX

 

INDUSTRY DATA

Industry code

Growth speed by price compared with 1994 (%)

Total enterprises 2009

Total employees 2010

(Thous.pers.)

Annual average capital of enterprises 2009

(billion dongs)

2011

2010

Agriculture, Forestry and Fishing

4.00

2.78

8,749

23,896.3

81,559

Industry and Construction

5.53

7.70

85,115

10,630

2,751,975

Trade and Services

6.69

7.52

154,978

14,522

4,939,069

 

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.55.52

UK Pound

1

Rs.88.84

Euro

1

Rs.70.85

 

 

INFORMATION DETAILS

 

Report Prepared by :

PDT

 

 

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%)

 

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.