MIRA INFORM REPORT

 

 

Report Date :

16.04.2013

 

IDENTIFICATION DETAILS

 

Name :

DONGBU HITEK CO., LTD.

 

 

Formerly Known As :

DONGBU HANNONG CO., LTD.

 

 

Registered Office :

891-10, Daechi 4-dong, Gangnam-gu, Seoul, Korea, 20th Fl., Dongbu Financial Center, Zip Code 135-523

 

 

Country :

South Korea

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

28.04.1953

 

 

Com. Reg. No.:

211-81-10771

 

 

Legal Form :

Listed Company

 

 

Line of Business :

Manufacturer of Agricultural Chemical Products

 

 

No. of Employees :

2304

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate  

 

 

Payment Behaviour :

Slow but Correct

 

 

Litigation :

Clear 

 

NOTES:

Any query related to this report can be made on e-mail: infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

South korea

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

South Korea - ECONOMIC OVERVIEW

 

South Korea over the past four decades has demonstrated incredible growth and global integration to become a high-tech industrialized economy. In the 1960s, GDP per capita was comparable with levels in the poorer countries of Africa and Asia. In 2004, South Korea joined the trillion dollar club of world economies, and currently is among the world's 20 largest economies. Initially, a system of close government and business ties, including directed credit and import restrictions, made this success possible. The government promoted the import of raw materials and technology at the expense of consumer goods, and encouraged savings and investment over consumption. The Asian financial crisis of 1997-98 exposed longstanding weaknesses in South Korea''s development model including high debt/equity ratios and massive short-term foreign borrowing. GDP plunged by 6.9% in 1998, and then recovered by 9% in 1999-2000. Korea adopted numerous economic reforms following the crisis, including greater openness to foreign investment and imports. Growth moderated to about 4% annually between 2003 and 2007. With the global economic downturn in late 2008, South Korean GDP growth slowed to 0.3% in 2009. In the third quarter of 2009, the economy began to recover, in large part due to export growth, low interest rates, and an expansionary fiscal policy, and growth was 3.6% in 2011. In 2011, the US-South Korea Free Trade Agreement was ratified by both governments and is projected to go into effect in early 2012. The South Korean economy''s long term challenges include a rapidly aging population, inflexible labor market, and heavy reliance on exports - which comprise half of GDP.

 

Source : CIA

 

 

Basic

 

Company Name

DONGBU HITEK CO., LTD.

(Korean Company Name : “()동부하이텍”)

Registered Address

891-10, Daechi 4-dong, Gangnam-gu, Seoul, Korea

Building

20th Fl., Dongbu Financial Center

Zip Code

135-523

Tel

+82-2-3484-1500

Fax

+82-2-3484-1588

E-mail

dongbuhitek@dongbu.com

Website

www.dongbuhitek.co.kr

Trading Address

19~21th Fl., Dongbu Financial Center, 891-10, Daechi 4-dong, Gangnam-gu, Seoul, Korea

Tel

+82-2-3484-1500

Fax

+82-2-3484-1588

Other Address-Bucheon Factory (Semiconductor Div.)

222-1, Dodang-dong, Wonmi-gu, Bucheon-si, Gyeonggi-do, Korea

Tel

+82-32-680-4830

Fax

+82-32-680-4800

Other Address-Sangu Factory (Semiconductor Div.)

474-1, Sangu-ri, Gamgok-myeon, Eumseong-gun, Chungcheongbuk-do, Korea

Tel

+82-43-879-9700

Fax

 

Other Address-Incheon Factory (Agricultural Div.)

401, Hagik-dong, Nam-gu, Incheon, Korea

Tel

+82-32-868-3211~7

Fax

+82-32-868-3511

Other Address-R&D Center (Agricultural Div.)

Dongbu Advanced Research Institute., 103-2, Munji-dong ,Yuseong-gu, Daejeon, Korea

Tel

+82-42-866-8114

Fax

+82-42-861-1583

Other Address-Jeju Factory (Agricultural Div.)

290-39, Hamdok-ri, Jochon-eup, Jeju-si, Jeju-do, Korea

Tel

+82-64-784-5041

Fax

+82-64-784-5043

Other Address-Ulsan Factory (Agricultural Div.)

523, Maeam-dong, Nam-gu, Ulsan, Korea

Tel

+82-52-261-5041

Fax

+82-52-261-1724

Other Address-Ulsan Factory (Petrochemical Div.)

665, Bugok-dong, Nam-gu, Ulsan, Korea

Tel

+82-52-272-1141~5

Fax

+82-52-259-2671

Type

Export/Import

Industry

Manufacture of Agricultural Chemical Products

  Main Business

Agrichemicals, Polystyrene, Expanded Polystyrene, Styrene Monomer, Fertilizers

  Sub Business

Manufacture of Diodes, Transistors and Similar Semi-conductor Devices

Established (mm/dd/yyyy)

04/28/1953

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Non ferrous alloy(11101711)

Sell

Nitrogen Phosphorous Potassium Mixtures NPK(10171605)

Sell

Chemical fertilizers and plant nutrients(10171600)

Sell

Polystyrene foam(13111308

Sell

Polystyrene resin(13111023)

Sell

Organic fertilizers and plant nutrients(10171500)

Sell

Veterinary products(42121600)

Sell

Melon seeds or seedlings(10151514)

Sell

Cucumber seeds or seedlings(10151507)

Sell

Vegetable seeds and seedlings(10151500)

Sell

Chili seeds or seedlings(10151504)

Sell

Tomato seeds or seedlings(10151518)

Sell

Squash seeds or seedlings(10151532)

Sell

Carrot seeds or seedlings(10151502)

Sell

Spinach seeds or seedlings(10151517)

Sell

Endive seeds or seedlings(10151509)

Sell

Veterinary anthelmintics(51102500)

Sell

Veterinary products(42121600)

Sell

Pesticides or pest repellents(10191500)

Sell

Nitrogen Phosphorous Potassium Mixtures NPK(10171605)

Sell

Metabolites(51251000)

Sell

Insecticides(10191509)

Sell

Genito urinary system sex or hormone veterinary products(42121607)

 

 

CEO’s

 

Name

Park Yong-In

Address

 

Date of Birth

04/23/1964

Title

Co-President & CEO

Sex

Male

Nationality

Korean

 

 

Profiles

 

Capital (KRW)

212,303,970,000

Employees

2,304

Formation

Listed Company (Korea Stock Exchange : 000990) as of 12/12/1975

A company of DONGBU Group

Bank Details

Hana Bank-Jungbu Branch

Corporate Registered No.

110111-0026206

Business Registered No.

211-81-10771

Permit & Licenses

Int’l Trade No.: 673035

Shareholder Position

Name

Shares

%

DONGBU CNI CO., LTD.(110111-1054339)

5,512,783

12.98

DONGBU CORPORATION(110111-0005002)

4,528,809

10.67

DONGBU STEEL CO., LTD.(110111-0393308)

3,594,680

8.47

TREASURY STOCK

4,629,081

10.90

KIM JOON-KI & OTHERS(2)

2,679,866

6.31

DONGBU LIFE INSURANCE CO., LTD.(110111-0623606)

206,594

0.49

OTHERS

21,308,981

50.19

TOTAL

42,460,794

100.00

Company History

04/28/1953 Incorporated

03/2006 Changed company name to Dongbu Hannong Co., Ltd from DONGBU HANNONG CHEMICALS CO., LTD.

05/2007 Acquired DONGBUELECTRONICS CO., LTD.(110111-0033821)

05/2007 Changed company name to the present name from DONGBU HANNONG CO., LTD.

02/2008 Spin off Metal Raw Material Business Division as DONGBU METAL CO., LTD.(110111-3836678)

06/01/2010 Spin off Agricultural Business as DONGBU HANNONG CO., LTD.(110111-4362482)

 

 

 

 

Management

 

Job Description

Title

Name

Nationality

Date of Birth

Education

Co-President & CEO

Mr.

Park Yong-In

Korean

1964.04.23

Yonsei University

Co-President & CEO

Mr.

Choi Chang-Sik

Korean

1954.01

Seoul National University, Korea

Vice President & CFO

Mr.

Koo Kyo-Hyung

Korean

1956.06.25

Seoul National University, Korea

Outside Director/Auditor

Mr.

Kim Ho-Up

Korean

1950.05.05

Korea University, Korea

Outside Director/Auditor

Mr.

Kyung Jong-Min

Korean

1953.06.21

KAIST, Korea

Outside Director/Auditor

Mr.

Kim In-Cheol

Korean

1951.04

Hanyang University, Korea

 

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

(*)2012

583,901,596,769

1,149,069,243,850

-32,121,504,172

(*)2011

534,317,238,352

1,183,957,429,122

-93,084,414,395

(*)2010

593,441,908,021

1,363,686,317,375

-204,814,784,425

2009

484,361,855,225

2,448,081,635,939

-176,442,539,028

2008

1,347,649,483,863

3,334,536,110,072

-281,570,477,762

2007

1,372,190,425,266

3,213,715,696,336

-16,938,760,533

2006

1,073,524,606,072

1,076,069,175,701

40,503,854

2005

1,152,170,114,458

1,126,572,168,618

11,223,900,410

2004

1,068,282,276,493

976,639,082,233

40,964,606,773

(*)Figures are based on the K-IFRS Accounting System.

 

 

Financial Description

 

Authorized Capital(KRW)

1,000,000,000,000

Paid-Up Capital(KRW)

222,555,835,000

Total Issues Shares

44,511,167

 

 

Balance Sheet

 

Unit : Korean Won

As of 12/31/2012

As of 12/31/2011

As of 12/31/2010

Total Assets

1,149,069,243,850

1,183,957,429,122

1,363,686,317,375

Current Assets

303,296,306,757

233,803,801,697

298,797,845,960

Cash & Cash Equivalents

38,557,398,252

34,534,008,789

89,569,845,953

Current Financial Instruments

72,183,302,960

27,349,255,255

10,211,964,627

Trade Receivables

74,117,852,315

69,764,747,533

93,212,016,392

Other Receivables

25,265,964,856

8,576,227,063

2,859,531,817

Other Financial Assets

191,840,000

136,000,000

577,890,000

Inventories

79,262,392,240

77,112,663,104

79,723,937,642

Other Current Assets

13,162,116,844

15,548,303,569

22,298,828,389

Deferred Income Tax Assets

555,439,290

782,596,384

343,831,140

Non-Current Assets to be Sold

- 

32,173,007,885

-

Non-Current Assets

845,772,937,093

917,980,619,540

1,064,888,471,415

Non-Current Financial Instruments

8,500,000

8,500,000

98,111,059,554

Other Receivables

5,994,572,356

5,024,948,730

5,172,367,696

Marketable Financial Instruments

8,832,301,255

7,770,691,757

8,590,985,707

Investment_Related Companies

69,238,252,186

75,456,885,186

47,531,759,035

Tangibles

684,941,379,761

758,179,816,527

823,347,588,793

Intangibles

76,703,280,841

71,394,775,064

49,763,799,718

Investment_Real Estates

- 

- 

32,173,007,885

Other Non-Current Assets

54,650,694

145,002,276

197,903,027

Total Liabilities

874,516,024,558

892,247,930,995

986,770,710,317

Current Liabilities

563,352,690,605

796,794,128,963

141,653,096,256

Trade Payables

23,484,407,133

22,998,828,563

30,671,010,541

Short-Term Borrowings

465,033,639,789

704,520,045,636

20,893,150,844

Other Payables

48,260,972,135

40,408,716,197

58,070,357,861

Other Current Financial Debts

11,544,417,961

14,446,845,830

18,082,778,492

Other Current Liabilities

11,980,657,584

11,596,861,805

11,662,618,124

Provisions

3,048,596,003

2,822,830,932

2,273,180,394

Non-Current Liabilities

311,163,333,953

95,453,802,032

845,117,614,061

Long-Term Trade Payables

214,817,415,557

 

760,366,028,798

Other Payables

17,149,894,056

17,357,737,116

17,766,186,400

Confirmed Salaries

35,375,442,310

30,404,808,729

26,674,624,038

Deferred Income Tax Credit

42,629,043,016

42,812,363,421

40,310,774,825

Other Non-Current Liabilities

1,191,539,014

4,878,892,766

 

Capital Stock

222,555,835,000

214,616,420,000

212,303,970,000

Capital Surplus

504,426,472,306

498,302,718,597

496,802,873,216

Others

110,208,356,434

108,182,060,951

102,789,574,125

Profit Surplus

-562,637,444,448

-529,391,701,421

-434,980,810,283

Total Equity

274,553,219,292

291,709,498,127

376,915,607,058

Liab. & Shareholder’s Equity

1,149,069,243,850

1,183,957,429,122

1,363,686,317,375

 

 

Income Statement

 

Unit : Korean Won

As of 12/31/2012

As of 12/31/2011

As of 12/31/2010

Sales

583,901,596,769

534,317,238,352

593,441,908,021

Cost of Sold Goods

486,953,432,327

443,140,033,710

727,262,559,757

Gross Profit

96,948,164,442

91,177,204,642

-133,820,651,736

Selling & Admin. Expenses

111,377,821,740

126,664,477,319

147,739,457,616

Operating Income

-14,429,657,298

-35,487,272,677

-281,560,109,352

Other Operating Income

21,006,141,574

20,638,368,341

28,951,646,870

Other Operating Expenses

13,843,431,423

25,134,767,973

110,195,618,717

Profits from investment on Related Companies

5,991,667,002

-

149,238,786,303

Finance Income

16,705,025,247

12,255,990,279

27,083,188,681

Finance Expenses

52,418,742,893

61,389,326,217

102,166,243,467

Income Before Taxes

-48,972,331,795

-89,117,008,247

-313,767,342,822

Income Taxes Expenses

-465,761,919

3,967,406,148

13,180,402,099

Income from Continuous Business

-48,506,569,876

-93,084,414,395

-326,947,744,921

Income from Stopped Business

16,385,065,704

 

122,132,960,496

Net Income

-32,121,504,172

-93,084,414,395

-204,814,784,425

 

 

Cash Flows

 

Unit : Korean Won

As of 12/31/2012

As of 12/31/2011

As of 12/31/2010

Operating Activities Cash Flows

68,047,966,083

61,642,286,424

60,396,202,308

Cash Flows from Operating

90,101,490,476

95,217,308,515

139,320,508,983

Interests Received

3,980,009,363

5,514,783,918

2,672,919,664

Interests Paid

-28,224,949,290

-42,725,943,149

-88,883,844,899

Dividends Received

1,408,819,150

3,292,306,000

6,949,520,000

Income Taxes

782,596,384

343,831,140

337,098,560

Cash Flows from Investing

-40,437,366,649

-26,649,125,275

261,010,074,645

Cash Flows from Financing

-22,718,301,043

-88,776,491,975

-292,554,407,623

Increase/Decrease in Cash

4,892,298,391

-53,783,330,826

28,851,869,330

Cash at the Beginning of Year

34,534,008,789

89,569,845,953

62,992,081,137

Cash at the End of Year

38,557,398,252

34,534,008,789

89,569,845,953

 

 

Products, Technologies, Services Description

 

Main Products & Services

AGRICULTURAL DIVISION

Pesticides

Since launching production of Korea's first pesticide in 1953, The Subject has introduced over 250 pesticides to the domestic market. Manufactured at two state-of-the-art plants, The Subject's quality, environmentally-friendly agrochemicals have captured over 30 percent of the domestic market through 14 nation wide offices which provide consultations, seminars, and technical support to

local farmers.

 

Fertilizers

The Subject has built one of the industry's largest production networks since launching compound fertilizer production in 1967. Utilizing a comprehensive nationwide soil quality database, The Subject designs fertilizers to meet the unique needs of local farmers. A prime example of this was our introduction of species-specific horticultural fertilizers in 1998.

 

Seeds

The Subject's Seed Business Department has produced over 260 varieties of 15 crops, leveraging Korea's diverse tropical-to-frigid growing conditions to perfect products and cultivation techniques.  Backed by research centers in Ansung 7 nationwide branch offices, and a seed production farm set up in China in early 1997, The Subject is also pursuing international alliances as The Subject explores the frontiers of biotechnology to create tomorrow's value-added seed varieties.

 

Veterinary Pharmaceuticals

The Subject produces over 70 productivity-enhancing veterinary pharmaceuticals at the Asan plant, including antibiotics, antibacterials, vitamins, coccidiostats, anthelmintics, disinfectants, insecticides, and marine farming products. And The Subject develops new drugs to prevent and treat livestock disease.

 

PETROCHEMICALS DIVISION

Beginning with Korea's first styrene monomer (SM) back in 1978, The Subject has built a vertically-integrated production system in Ulsan capable of producing polystyrene (PS), expandable polystyrene (EPS), and other styrenic products, supplying over 15 percent of domestic market demand.

 

SEMICONDUCTOR DIVISION

Integrated Device Manufacturing(System IC) & CMOS wafer foundry service

 

Brand Name: Siliconworks, EON, Mediatek, LGD

 

 

Trade Partners & Competitors

 

Suppliers

SYNGENTA KOREA LTD.(110111-1354242)

SK NETWORKS CO., LTD.(130111-0005199)

SAMSUNG FINE CHEMICALS CO., LTD(181211-0000013)

SK ENERGY CO., LTD.(110111-3710385)

SILTRON/SHIN-ETSU(JAPAN)

ROHM & HAAS(USA)

Customers

NATIONAL AGRICULTURAL COOPERATIVE FEDERATION(NACF, NONGHYUP: 110136-0027690)

Competitors

SYNGENTA KOREA LTD.(110111-1354242)

KYUNGNONG CORPORATION(110111-0089395)

YOUNGIL CHEMICAL CO., LTD.(110111-0005812)

 

NAMHAE CHEMICAL CORPORATION(110111-0164717)

KG CHEMICAL CORPORATION(124311-0008999)

 

KUMHO CHEMICALS, INC.( 110111-0274681)

BASF COMPANY LIMITED(110111-0600860)

 

TSMC

UMC

CHARTERED

SMIC

 


Related Parties

(Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates-Domestic

DONGBU CORPORATION(110111-0005002)

DONGBU FINE CHEMICALS CO., LTD.(110111-0026206)

SOLEX SEMICONCODUCTOR CO., LTD.(110111-3727611)

DONGBU METAL CO., LTD.(110111-3836678)

DONGBU ENGINEERING CO., LTD. (110111-0659536)

DONGBU PUSAN CONTAINER TERMINAL CO., LTD.(180111-0356013)

CENTRAL PIER OPERATION CO., LTD.(180111-0290237)

DONGBU GWANGYANG LOGISTICS CENTER CO., LTD.(204611-0025180)

DONGBU EXPRESS MARINE CO., LTD.(180111-0605866)

FINE-ADVANTAS AMC CORPORATION CO., LTD.(110111-3783811)

DONGBU COMPLEX LOGISTICS CO., LTD.(204611-0026203)

DAESUNG FREZING TRANSPORTATION CO., LTD.(115611-0011096)

DAESUNG TOTAL LOGISTICS SYSTEM CO., LTD.(115611-0038892)

DCT CO., LTD.(144711-0015786)

DONGBU GWANGYANG STEEL DISTRIBUTION CENTER CO., LTD.(204611-0027649)

BAIKSAN ITS CO., LTD.(110111-2585630)

DONGBU INSURANCE CO., LTD.(110111-0095285)

DONGBU AUTOMOBILE INSURANCE CLAIM ADJUSTMENT CO., LTD.(110111-0367402)

DONGBU SECURITIES CO., LTD.(110111-0339956)

DONGBU MUTUAL SAVING BANK (110111-0135627)

DONGBU ASSET MANAGEMENT CO., LTD. (110111-1363160)

DONGBU CNI CO., LTD.(110111-1054339)

GONGJU ENVIRONMENT CO., LTD.(161211-0011288)

DONGBU INCHEON PORT TERMINAL CO., LTD. (120111-0305327)

DONGBU LIFE INSURANCE CO., LTD.(110111-0623606)

DONGBU CO., LTD. (110111-0367212)

DONGBU FINECELL CO., LTD.(110111-1504102)

(61.6% held by the subject company)

 

TOMATO LSI INC.(110111-1801988)

(35.8% held by the subject company)

 

DONGBU CAPITAL CORP. (110111-1220641)

(15.8% held by the subject company)

 

DONGBU WORLD INC.(110111-0628086)

(46.5% held by the subject company)

Affiliates-Overseas

DONGBU AUSTRALIA PTY. LTD.

DONGBU EXPRESS INDIA LOGISTICS PRIVATE LIMITED

YOUNGKU DONGBU HANNONG SEEDS CO., LTD.

DONGBU HITECK(SHIMCHEON) CO., LTD.(CHINA)

MICROCMOS, INC. (USA)

DONGBU ZSC

DONGBU HANNONG (HEILONGJIANG) CHEMICAL CORP.

SOLEX SEMICONDUCTOR(SHANGHAI) R&D LTD

SOLEX SEMICONDUCTOR INDIA PRIVATE LIMITED

SHANGHAI DONGBU INTERNATIONAL FREIGHT AGENCY CO., LTD.

DONGBU ELECTRIC COMPENENTS CO., LTD.

DONGBU PRECISION PRODUCTS CO., LTD.

DONGBU U.S.A. INC.

DONGBU JAPAN CO., LTD.

DONGBU SINGAPORE PTE, LTD.

DONGBUCHEM.HK LTD.

(100.0% held by the subject company)

 

EASTERNCHEM PTE. LTD

(100.0% held by the subject company)

 

DONGBU HITEK USA, INC.

(100.0% held by the subject company)

 

DONGBU HIGHTECH HONGKONG CO., LIMITED

(100.0% held by the subject company)

Subsidiary

SOLEX SEMICONCODUCTOR CO., LTD.(110111-3727611)

(100.0% held by the subject company)

 

MICROCMOS, INC.

(100.0% held by the subject company)

Cooperative Enterprise

-Insured Company

DONGBU INSURANCE CO., LTD.(110111-0095285)

 

-Technical Support from

TEXAS INSTRUMENTS INCORPORATED(USA)

TOSHIBA CORPORATION(JAPAN)

ARM(UK)

 

 

Sales by Region

(Activity & Markets)

 

Sales/ Unit :Mil KRW

2012

2011

2010

Export

227,293

   292,055

    396,719

Domestic

   356,609

   242,262

    196,723

Total

583,902

  534,317

    593,442

The Subject deals with the companies in China, Taiwan, Iran and Japan.

 

 

Court Action

 

Case No.

Court

Plaintiff(s)/ Creditor(s)/ Applicant(s)

Defendant(s)/ Debtor(s)/ Respondent(s)

Cause

Amount (KRW)

Status

 

 

Korea Industrial Gases Ltd.(124311-0002719)

The Subject Company

Claim for Compensation from Damages

 -

1st round is proceeding

 

 

News Clipping

 

---

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.63

UK Pound

1

Rs.83.70

Euro

1

Rs.71.42

 

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

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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.