MIRA INFORM REPORT

 

 

Report Date :

05.08.2013

 

IDENTIFICATION DETAILS

 

Name :

EUVIPHARM PHARMACEUTICAL JOINT STOCK COMPANY

 

 

Registered Office :

Binh Tien 2 Hamlet, Duc Hoa Ha Commune, Duc Hoa District, Long An Province

 

 

Country :

Vietnam

 

 

Financials (as on) :

31.12.2011

 

 

Year of Incorporation :

2005

 

 

Com. Reg. No.:

1100670578

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and trading in pharmaceuticals

 

 

No. of Employees :

250

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

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

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, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Vietnam

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

VIETNAM - ECONOMIC OVERVIEW

 

Vietnam is a densely-populated developing country that has been transitioning from the rigidities of a centrally-planned economy since 1986. Vietnamese authorities have reaffirmed their commitment to economic modernization in recent years. Vietnam joined the World Trade Organization in January 2007, which has promoted more competitive, export-driven industries. Vietnam became an official negotiating partner in the Trans-Pacific Partnership trade agreement in 2010. Agriculture's share of economic output has continued to shrink from about 25% in 2000 to less than 22% in 2012, while industry's share increased from 36% to nearly 41% in the same period. State-owned enterprises account for roughly 40% of GDP. 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 hurt Vietnam's export-oriented economy, with GDP in 2012 growing at 5%, the slowest rate of growth since 1999. In 2012, however, exports increased by more than 18%, year-on-year; several administrative actions brought the trade deficit back into balance. Between 2008 and 2011, Vietnam's managed currency, the dong, was devalued in excess of 20%, but its value remained stable in 2012. Foreign direct investment inflows fell 4.5% to $10.5 billion in 2012. Foreign donors have pledged $6.5 billion in new development assistance for 2013. Hanoi has oscillated between promoting growth and emphasizing macroeconomic stability in recent years. In February 2011, the Government shifted policy away from policies aimed at achieving a high rate of economic growth, which had stoked inflation, to those aimed at stabilizing the economy, through tighter monetary and fiscal control. Although Vietnam unveiled a broad, "three pillar" economic reform program in early 2012, proposing the restructuring of public investment, state-owned enterprises, and the banking sector, little perceptible progress had been made by early 2013. Vietnam's economy continues to face challenges from an undercapitalized banking sector. Non-performing loans weigh heavily on banks and businesses. In September 2012, the official bad debt ratio climbed to 8.8%, though some independent analysts believe it could be higher than 15%.

Source : CIA


 

SUBJECT IDENTIFICATION & LEGAL FORM

 

Current legal status

English Name

 

EUVIPHARM PHARMACEUTICAL JOINT STOCK COMPANY

Vietnamese Name

 

CONG TY CO PHAN DUOC PHAM EUVIPHARM

Short name

 

EUVIPHARM

Type of Business

 

Joint stock company

Year Established

 

2005

Business Registration No.

 

1100670578

Date of Registration

 

25 Aug 2010

Place of Registration

 

Planning and Investment Department of Long An Province

Chartered capital

 

VND 190,000,000,000

Status

 

Unlisted

Tax code

 

1100670578

Total Employees

 

250

Note:  According to the subject’s staffs, the subject’s type of business has just changed into foreign invested company and its chartered capital was lifted. However, we have not updated exact information yet. On the subject’s latest business registration, which has been adjusted on 31 July 2013, the subject’s legal information is above.

 

Historical Identification & Legal form

 

List

Changed Items

Date of changes

1

Subject has got former Chartered capital: VND 80 billion

Changed to VND 100 billion (25 Aug 2010)

Changed to: VND 190 billion

2012

2

Subject has got former Business Registration No: 5003000102

Changed to: 1100670578

25 Aug 2010

 

 

ADDRESSES

 

Head Office

Address

 

Binh Tien 2 Hamlet, Duc Hoa Ha Commune, Duc Hoa District, Long An Province, Vietnam

Telephone

 

(84-72) 3779623

Fax

 

(84-72) 3779591

Email

 

sale@euvipharm.com

Website

 

www.euvipharm.com

 

Representative office in Ho Chi Minh

Address

 

No. 781/A42, Extend Le Hong Phong Street, Ward 12, 10 District, Ho Chi Minh City, Vietnam

Telephone

 

(84-8) 3868 0944

Fax

 

(84-8) 3863 3002

 

Representative office in Dong Nai

Address

 

No. 51S2, Road 14, An Hoa 2 Quarter, An Binh Ward, Bien Hoa City, Dong Nai Province, Vietnam

Telephone

 

(84-61) 3830426

Fax

 

(84-61) 3830426

Tax code

 

1100670578-002

Note: Besides, the subject has just opened an extra office in Binh Dinh Province and this office is preparing to operate

 

Branch in Ho Chi Minh

Address

 

No. 7A/5/32 Thanh Thai Street, Ward 14, 10 District, Ho Chi Minh City, Vietnam

Telephone

 

(84-8) 7304 7188/ 3866 9874

Fax

 

(84-8) 3864 9008

Manager

 

Mr. PHAM PHUOC DUC

 

 

DIRECTORS

 

1. NAME

 

Mr. PHAM TRUNG NGHIA

Position

 

General Director

Date of Birth

 

1952

ID Number/Passport

 

023144846

ID Issue Date

 

03 Jun 2005

ID Issue Place

 

Hochiminh Police Department

Resident

 

No.109, Road 3/2, Ward 11, 10 District, Ho Chi Minh City, Vietnam

Current resident

 

No. 49/3 Hoang Du Khuong, Ward 12, 10 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84-72) 3779623 / +84903802891

 

2. NAME

 

Mr. PHAM PHUOC DUC

Position

 

Managing Director

ID Number/Passport

 

022837887

Resident

 

No. 99, Nguyen Thi Nho, Ward 16, 11 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84-8) 7304 7188 / +84 949 839 708

 

3. NAME

 

Mr. HUYNH PHONG NHA

Position

 

Deputy General Director

ID Number/Passport

 

020468614

Resident

 

No. 36/59A Lam Son, 6 Ward, Binh Thanh District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

 

4. NAME

 

Mr. NGUYEN ANH NGOC

Position

 

Chief Accountant

Nationality

 

Vietnamese

 

 

BUSINESS NATURE AND ACTIVITIES

 

The subject focuses on:
- Manufacturing and trading in pharmaceuticals
- Trading in materials for health industry.

 

 

IMPORT & EXPORT ACTIVITIES

 

IMPORT:

·         Types of products

 

Pharmaceuticals, material for production

·         Market

 

Holland, Italy, Spain, France, USA, and Japan

·         Ratio

 

N/A

·         Mode of payment

 

L/C, T/T, DP

 

EXPORT:

Note: Currently, the subject does not export

 

 

BANKERS

 

ASIA COMMERCIAL BANK KY HOA BRANCH

Address

 

No.109, Road 3/2, 10 District, Ho Chi Minh City, Vietnam

Telephone

 

(84-8) 3839 8358

Fax

 

(84-8) 3839 8361

 

 

SHAREHOLDERS

 
Following is shareholders as in the subject’s latest business registration

1. NAME

 

TIMES INVESTMENT JOINT STOCK COMPANY

Business Registration

 

4103006220

Address

 

No. 444 Nguyen Thi Minh Khai Ward 5, 3 District, Ho Chi Minh City, Vietnam

Tel

 

(84-8) 39292672

Number of shares

 

2,000,000

Value of shares

 

VND 20,000,000,000

Percentage

 

10.53%

 

2. NAME

 

Mr. PHAM TRUNG NGHIA

Position

 

General Director

Date of Birth

 

1952

ID Number/Passport

 

023144846

Issued on

 

03 Jun 2005

Issued Place

 

Hochiminh Police Department

Resident

 

No.109, Road 3/2, Ward 11, 10 District, Ho Chi Minh City, Vietnam

Current Resident

 

No. 49/3 Hoang Du Khuong, Ward 12, 10 District, Ho Chi Minh City, Vietnam

Work phone

 

(84-72) 3779623

Mobile phone

 

+84903802891

Nationality

 

Vietnamese

Number of Shares

 

9,795,000

Value of shares

 

VND 97,950,000,000

Percentage

 

51.55%

 

3. NAME

 

Mr. PHAM PHUOC DUC

Position

 

Managing Director

ID Number/Passport

 

022837887

Resident

 

No. 99, Nguyen Thi Nho, Ward 16, 11 District, Ho Chi Minh City, Vietnam

Work phone

 

(84-8) 7304 7188

Mobile phone

 

+84 949 839 708

Nationality

 

Vietnamese

Number of Shares

 

950,000

Value of shares

 

VND 9,500,000,000

Percentage

 

5%

 

4. NAME

 

Mr. HUYNH PHONG NHA

Position

 

Deputy General Director

ID Number/Passport

 

020468614

Resident

 

No. 36/59A Lam Son, 6 Ward, Binh Thanh District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

150,000

Value of shares

 

VND 1,500,000,000

Percentage

 

0.79%

 

5. NAME

 

Mr. HUYNH HUU NGO

ID Number/Passport

 

020748017

Resident

 

No.468/20 Nguyen Tri Phuong Street, Ward 9, 10 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

950,000

Value of shares

 

VND 9,500,000,000

Percentage

 

5%

 

6. NAME

 

Mr. TRAN PHU MY

ID Number/Passport

 

022153324

Resident

 

No.23 Nguyen Van Troi Street, Ward 12, Phu Nhuan District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

500,000

Value of shares

 

VND 5,000,000,000

Percentage

 

2.63%

 

7. NAME

 

Mr. PHAM TRUNG HIEN

Date of Birth

 

31 May 1975

ID Number/Passport

 

023144848

Resident

 

109 Str 3/2 Ward 11, 10 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

950,000

Value of shares

 

VND 9,500,000,000

Percentage

 

5%

 

8. NAME

 

Mr. PHAM TRUNG HOA

ID Number/Passport

 

023276464

Resident

 

No.109 3/2 Street, Ward 11, 10 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

950,000

Value of shares

 

VND 9,500,000,000

Percentage

 

5%

 

9. NAME

 

Ms. PHAM MY HANH

ID Number/Passport

 

023732093

Resident

 

No.109 3/2 Street, 11 Ward, 10 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

950,000

Value of shares

 

VND 9,500,000,000

Percentage

 

5%

 

10. NAME

 

Ms. PHAM TRAN NHA

ID Number/Passport

 

311690369

Resident

 

No.14/3 Hoang Du Khuong Street, 12 Ward, 10 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

500,000

Value of shares

 

VND 5,000,000,000

Percentage

 

2.63%

 

11. NAME

 

Mr. PHAN VUONG HUY MINH

ID Number/Passport

 

022912987

Resident

 

No.1/6, Quarter 3, Tan Thoi Nhat Wad, 12 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

570,000

Value of shares

 

VND 5,700,000,000

Percentage

 

3%

 

12. NAME

 

Mr. HUYNH VAN SON

ID Number/Passport

 

020124210

Resident

 

No.16/93/27 Nguyen Thien Thuat Street, Ward 2, 3 District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

300,000

Value of shares

 

VND 3,000,000,000

Percentage

 

1.58%

 

13. NAME

 

Mr. PHAM QUANG TRINH

ID Number/Passport

 

310561744

Resident

 

No.013 Bis Truong Vinh Ky, Ward 7, My Tho City, Tien Giang Province, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

285,000

Value of shares

 

VND 2,850,000,000

Percentage

 

1.5%

 

14. NAME

 

Ms. TRINH THUY DUNG

ID Number/Passport

 

020024209

Resident

 

No. 686 Bui Dinh Tuy Street, Ward 14, Binh Thanh District, Ho Chi Minh City, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

150,000

Value of shares

 

VND 1,500,000,000

Percentage

 

0.79%

 

 

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

98,643,000,000

53,961,198,632

23,263,000,000

I. Cash and cash equivalents

238,000,000

554,868,349

2,586,000,000

1. Cash

238,000,000

554,868,349

2,586,000,000

2. Cash equivalents

0

0

0

II. Short-term investments

0

0

0

1. Short-term investments

0

0

0

2. Provisions for devaluation of short-term investments

0

0

0

III. Accounts receivable

54,269,000,000

20,219,659,148

4,128,000,000

1. Receivable from customers

2,988,000,000

6,385,539,848

4,000,000

2. Prepayments to suppliers

11,577,000,000

8,265,146,646

779,000,000

3. Inter-company receivable

29,943,000,000

4,320,230,888

0

4. Receivable according to the progress of construction

0

0

0

5. Other receivable

9,762,000,000

1,248,741,766

3,346,000,000

6. Provisions for bad debts

-1,000,000

0

-1,000,000

IV. Inventories

40,827,000,000

30,274,818,635

12,799,000,000

1. Inventories

40,827,000,000

30,274,818,635

12,799,000,000

2. Provisions for devaluation of inventories

0

0

0

V. Other Current Assets

3,309,000,000

2,911,852,500

3,750,000,000

1. Short-term prepaid expenses

1,778,000,000

1,592,445,042

1,037,000,000

2. VAT to be deducted

1,058,000,000

1,319,407,458

1,545,000,000

3. Taxes and other accounts receivable from the State

0

0

0

4. Other current assets

473,000,000

0

1,168,000,000

B. LONG-TERM ASSETS

341,895,000,000

260,023,719,392

252,541,000,000

I. Long term accounts receivable

0

0

0

1. Long term account receivable from customers

0

0

0

2. Working capital in affiliates

0

0

0

3. Long-term inter-company receivable

0

0

0

4. Other long-term receivable

0

0

0

5. Provisions for bad debts from customers

0

0

0

II. Fixed assets

205,970,000,000

219,111,487,121

231,309,000,000

1. Tangible assets

192,521,000,000

209,680,133,327

221,146,000,000

- Historical costs

239,904,000,000

239,873,339,272

234,237,000,000

- Accumulated depreciation

-47,383,000,000

-30,193,205,945

-13,091,000,000

2. Financial leasehold assets

3,514,000,000

0

0

- Historical costs

3,514,000,000

0

0

- Accumulated depreciation

0

0

0

3. Intangible assets

8,812,000,000

9,023,061,658

9,235,000,000

- Initial costs

9,975,000,000

9,974,638,350

9,975,000,000

- Accumulated amortization

-1,163,000,000

-951,576,692

-740,000,000

4. Construction-in-progress

1,123,000,000

408,292,136

928,000,000

III. Investment property

0

0

0

Historical costs

0

0

0

Accumulated depreciation

0

0

0

IV. Long-term investments

0

0

0

1. Investments in affiliates

0

0

0

2. Investments in business concerns and joint ventures

0

0

0

3. Other long-term investments

0

0

0

4. Provisions for devaluation of long-term investments

0

0

0

V. Other long-term assets

135,925,000,000

40,912,232,271

21,232,000,000

1. Long-term prepaid expenses

135,507,000,000

40,912,232,271

21,232,000,000

2. Deferred income tax assets

0

0

0

3. Other long-term assets

418,000,000

0

0

VI. Goodwill

0

0

 

1. Goodwill

0

0

 

TOTAL ASSETS

440,538,000,000

313,984,918,024

275,804,000,000

 

LIABILITIES

A- LIABILITIES

252,791,000,000

221,355,116,213

199,098,000,000

I. Current liabilities

116,778,000,000

69,075,672,214

27,068,000,000

1. Short-term debts and loans

73,673,000,000

50,286,944,643

8,931,000,000

2. Payable to suppliers

15,572,000,000

8,569,064,612

6,193,000,000

3. Advances from customers

15,819,000,000

3,628,487,559

3,007,000,000

4. Taxes and other obligations to the State Budget

-23,000,000

23,796,975

8,000,000

5. Payable to employees

1,197,000,000

884,258,893

2,000,000

6. Accrued expenses

188,000,000

0

0

7. Inter-company payable

80,000,000

0

0

8. Payable according to the progress of construction contracts

0

0

0

9. Other payable

10,272,000,000

5,683,119,532

8,927,000,000

10. Provisions for short-term accounts payable

0

0

0

II. Long-Term Liabilities

136,013,000,000

152,279,443,999

172,030,000,000

1. Long-term accounts payable to suppliers

0

0

0

2. Long-term inter-company payable

0

0

0

3. Other long-term payable

0

0

0

4. Long-term debts and loans

136,013,000,000

152,279,443,999

172,030,000,000

5. Deferred income tax payable

0

0

0

6. Provisions for unemployment allowances

0

0

0

7. Provisions for long-term accounts payable

0

0

0

8. Unearned Revenue

0

0

0

9. Science and technology development fund

0

0

0

B- OWNER’S EQUITY

187,747,000,000

92,629,801,811

76,706,000,000

I. OWNER’S EQUITY

187,751,000,000

92,634,301,811

76,711,000,000

1. Capital

189,956,000,000

131,150,000,000

79,600,000,000

2. Share premiums

0

0

0

3. Other sources of capital

0

0

0

4. Treasury stocks

0

0

0

5. Differences on asset revaluation

0

0

0

6. Foreign exchange differences

1,000,000

0

0

7. Business promotion fund

0

0

0

8. Financial reserved fund

0

0

0

9. Other funds

0

0

0

10. Retained earnings

-2,206,000,000

-38,515,698,189

-2,889,000,000

11. Construction investment fund

0

0

0

12. Business arrangement supporting fund

0

0

0

II. Other sources and funds

-4,000,000

-4,500,000

-5,000,000

1. Bonus and welfare funds 

-4,000,000

-4,500,000

-5,000,000

2. Sources of expenditure

0

0

0

3. Fund to form fixed assets

0

0

0

MINORITY’S INTEREST

0

0

0

TOTAL LIABILITIES AND OWNER’S EQUITY

440,538,000,000

313,984,918,024

275,804,000,000

 

 

PROFIT & LOSS STATEMENT

 

Description

FY2011

FY2010

FY2009

1. Total Sales

116,094,000,000

31,022,260,349

989,000,000

2. Deduction item

7,766,000,000

1,648,779,699

0

3. Net revenue

108,328,000,000

29,373,480,650

989,000,000

4. Costs of goods sold

69,671,000,000

28,313,067,432

1,842,000,000

5. Gross profit

38,657,000,000

1,060,413,218

-853,000,000

6. Financial income

42,000,000

32,134,506

32,000,000

7. Financial expenses

12,419,000,000

25,916,183,684

1,503,000,000

- In which: Loan interest expenses

11,996,000,000

25,213,704,158

1,501,000,000

8. Selling expenses

17,999,000,000

3,277,452,062

74,000,000

9. Administrative overheads

8,784,000,000

7,626,041,270

493,000,000

10. Net operating profit

-503,000,000

-35,727,129,292

-2,891,000,000

11. Other income

618,000,000

763,946,503

6,000,000

12. Other expenses

105,000,000

694,822,223

4,000,000

13. Other profit /(loss)

513,000,000

69,124,280

2,000,000

14. Total accounting profit before tax

10,000,000

-35,658,005,012

-2,889,000,000

15. Current corporate income tax

0

0

0

16. Deferred corporate income tax

0

0

0

17. Interest from subsidiaries/related companies

0

0

0

18. Profit after tax

10,000,000

-35,658,005,012

-2,889,000,000

 

 

FINANCIAL RATIOS AND AVERAGE INDUSTRY RATIOS

 

Description

FY2011

FY2010

FY2009

Average Industry

Current liquidity ratio

0.84

0.78

0.86

1.80

Quick liquidity ratio

0.50

0.34

0.39

1.12

Inventory circle

2.00

1.31

0.14

3.56

Average receive period

182.85

251.25

1,523.48

117.46

Utilizing asset performance

0.25

0.09

0.00

1.10

Liability by total assets

57.38

70.50

72.19

50.87

Liability by owner's equity

134.64

238.97

259.56

169.03

Ebit / Total assets (ROA)

2.73

-3.33

-0.50

12.05

Ebit / Owner's equity (ROE)

6.39

-11.28

-1.81

27.25

Ebit / Total revenue (NPM)

10.34

-33.67

-140.34

12.32

Gross profit / Total revenue (GPM)

33.30

3.42

-86.25

29.69

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

 

 

PAYMENT HISTORY & PERFORMANCE EXPERIENCES

 

Trade Morality

 

Fair

Liquidity

 

Low/Medium

Payment status

 

Normal

Financial Situation

 

Average

Development trend

 

Developing

Litigation data

 

No Record

Bankruptcy

 

No Record

Payment Methods

 

Through its bank, L/C, T/T, D/P

Sale Methods

 

Distributor

Public opinion

 

Normal

 

 

 

 

INTERPRETATION ON THE SCORES

 

The subject was established in 2005 as a joint stock company. It specializes in manufacturing and trading pharmaceuticals. At first, the subject registered chartered capital of VND 80 billion, but in recent years, it has constantly increased capital to extend scale. Now, aside from head office, factory in Long An province and representative office, branch in Hochiminh City, the subject has representative office in Dong Nai province and it has just opened an extra office in Binh Dinh Province, this office is preparing to operate.

Although the subject established since 2005, but until 2010 the factory of the subject had been officially put in operation, so the subject’s business result in 2009 and 2010 was not good.  Up to 2011, the subject’s financial status was improved significantly. Its total sales soared from VND 31 billion in 2010 to VND 116 billion in 2011 and it gained VND 10 million in profit after tax. However, that profit was brought from other activities. Its net operating profit was still negative.

In 2011, almost the subject’s financial ratios were all better than those previous years, yet they were still worse than the average industry, except liability by total assets. The subject’s liability by total assets in 2011 decreased remarkably due to the growth of owner’s equity was higher than the growth of liabilities and with rate 57.38%, the subject’s capital structure was ranked as safe for investors and creditors.

In general, the subject is operating normally. Its future prospect seems bright. It is reliable for small financial commitments.

 

------------ APPENDIX  ----------

 

INDUSTRY DATA

 

Industry code

GDP growth speed by price compared with 1994 (%)

Total enterprises 2010

Total employees 2011

(Thous.pers.)

Annual average capital of enterprises 2010

(billion dongs)

2012

2011

Agriculture, Forestry and Fishing

2.72

4.00

8,887

24,362.9

95,227

Industry and Construction

4.52

5.53

95,217

10,718.9

3,641,376

Trade and Services

6.42

6.69

187,195

15,270.2

6,957,082

 

ECONOMIC INDICATORS

 

 

2012 

2011 

2010 

Population (Million person)

88.78

87.84

86.93

Gross Domestic Products (USD billion)

136

119

102.2

GDP Growth (%)

5.03

5.89

6.78

GDP Per Capita (USD/person/year)

1,540

1,300

1,160

Inflation (% Change in Composite CPI)

9.21

18.58

11.75

State Budget Deficit compared with GDP (%)

4.8

4.9

5.8

 

SERVICE TRADE PERFORMANCE

 

Billion USD 

2012 

2011 

2010 

Exports

114.6

96.3

72.2

Imports

114.3

105.8

84.8

Trade Balance

0.3

-9.5

-12.6

Source: General Statistics Office


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.80

UK Pound

1

Rs.91.95

Euro

1

Rs.80.36

 

 

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

 

--

 

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.