MIRA INFORM REPORT

 

 

Report Date :

10.08.2013

 

IDENTIFICATION DETAILS

 

Name :

ARBOR TECHNOLOGY CORPORATION

 

 

Registered Office :

10F, No.700,Jhongjheng Rd., Zhonghe Dist., New Taipei City 235

 

 

Country :

Taiwan 

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

29.09.1993

 

 

Com. Reg. No.:

84469443

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and sale of electronic products, etc

 

 

No. of Employees :

About 220 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, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

TAIWAN - ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. In 2009, Taiwan's GDP contracted 1.8%, due primarily to a 13.1% year-on-year decline in exports. In 2010 GDP grew 10.7%, as exports returned to the level of previous years, and in 2011, grew 4.0%. In 2012, however, growth fell to 1.3%, because of softening global demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, but except for the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010, so far Taiwan has been excluded from this greater economic integration in part because of its diplomatic status. Negotiations continue on such follow-on components of ECFA regarding trade in goods and services. The MA administration has said that the ECFA will serve as a stepping stone toward trade pacts with other key trade partners, which Taiwan subsequently launched with Singapore and New Zealand. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 11.2% of the island's total population as of 2012. The island runs a large trade surplus largely because of its surplus with China, and its foreign reserves are the world's fifth largest, behind China, Japan, Saudi Arabia, and Russia. In 2006 China overtook the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Three financial memorandums of understanding, covering banking, securities, and insurance, took effect in mid-January 2010, opening the island to greater investments from the mainland's financial firms and institutional investors, and providing new opportunities for Taiwan financial firms to operate in China. In August 2012, Taiwan Central Bank signed a memorandum of understanding on cross-Strait currency settlement with its Chinese counterpart. The MOU allows for the direct settlement of Chinese RMB and the New Taiwan dollar across the Strait, which could help develop Taiwan into a local RMB hub. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

Source : CIA


Contact Points

 

Company Name:

Arbor Technology Corporation

Supplied Name:

ARBOR TECHNOLOGY CORP

Trading Address:

10F, No.700,Jhongjheng Rd., Zhonghe Dist., New Taipei City 235, Taiwan (R.O.C.)

Supplied Address:

NEW TAIPEI CITY – TAIWAN

Telephone Number:

+886-2-8226-9396

Fax Number:

+886-2-8226-9398

Email:

info@arbor.com.tw

Notes: The exact name and address are as above.

 

Credit Summary

 

Credit Opinion:

Business connections are permissible.

 

Company Identification Details

 

Registered Name:

Arbor Technology Corporation

Registered Address:

10F, No.700,Jhongjheng Rd., Zhonghe Dist., New Taipei City 235, Taiwan (R.O.C.)

Date of Foundation:

1993-9-29

Registration Number:

84469443

Registry:

New Taipei City Government

Registered Capital:

NTD 480,000,000 (USD 16,320,000)

(As of 2013.07, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 457,800,190 (USD 15,565,206)

Legal Representatives:

Ming Li

Legal Form:

Joint Stock Company

Principal Activities:

Manufacturing and sale of electronic products, etc

Staff:

About 220 Employees

Listed at Stock Exchange:

Yes; Stock Symbol: 3594

Date of Last Annual Return:

2013-5-20

 

History

 

Subject was incorporated on 1993-9-29 with registered number 84469443 as Joint Stock Company in Taiwan.

Subject listed on Taiwan Over-The-Counter Securities Exchange on 2013-5-7.

 

Shareholders

 

Name

Subscription Shares

Ming Li

1,727,340         

 

 Qirui Lian

 

751,738

 

Zhongwei Lai

249,989

Mega International Commercial Bank Co., Ltd.

5,175,388

Fengling Guo

841,637

Ruiyuan Lan

740,928

The information above is that of subject’s major shareholders.

 

Subsidiaries & Branches

 

Related Companies

Name

Mega International Commercial Bank Co., Ltd.

Registered Address:

No.100, Jilin Rd., Zhongshan Dist., Taipei City 10424, Taiwan (R.O.C.)

Date of Foundation:

1928-10-26

Registration Number:

03705903

Registry:

Department of Commerce, Ministry of Economic Affairs, R.O.C.

Registered Capital:

NTD 71,000,000,000 (USD 2,414,000,000)

(As of 2013.07, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 71,000,000,000 (USD 2,414,000,000)

Legal Representatives:

Youcai Cai

Legal Form:

Joint Stock Company

Date of Last Annual Return:

2013-1-2

Offices

1

Name:

Beijing Office

Address:

Room 419, Beijing Lixiang Building, No.111 Zhichun Road, Haidian District, Beijing, China

Tel:

+86-10-8266-5810

Fax:

+86-10-8266-5810

2

Name:

Shenzhen Office

Address:

A305, Phase I, High-Tech Plaza, Tian'an Cyber Park, Futian District, Shenzhen, China

Tel:

+86-755-2986-8800

Fax:

+86-755-2986-6299

3

Name:

Singapore Office

Address:

60 Kaki Bukit Place, #02-03 Suite 26, Eunos Techpark Singapore 415979

Tel:

+65-6748-5880

4

Name:

USA Office

Address:

2158 Paragon Drive San Jose, CA 95131

Tel:

+1-408-452-8900

Fax:

+1-408-452-8909

5

Name:

France office

Address:

73, Rue Louis Rouquier 92300 Levallois-Perret France

Tel:

+33-1-5563-9087

Fax:

+33-1-8150-0029

6

Name:

Italy Office

Address:

C.So Orbassano, 336 10137 Torino

Tel:

+39-011-1970-0011

Fax:

+39-011-1970-0015

7

Name:

Holland Office

Address:

Stationsweg 416 NL-3925CG Scherpenzeel The Netherlands

Tel:

+31-33-277-0889

Fax:

+31-33-258-8971

8

Name:

UK Office

Address:

Unit 32, Walker Avenue, Wolverton Mill, Milton Keynes MK12 5TW, United Kingdom

Tel:

+44-1908-310100

Fax:

+44-1908-310107

9

Name:

Australia Office

Address:

44 Rocco Drv Scoresby 3179 Victoria, Australia

Tel:

+61-3-8803-7100

Fax:

+61-3-9763-7265

 

Personnel Information

Core Management

Directors

1

Name

Ming Li

Position

Board Director

2

Name

Qirui Lian

Position

Director

3

Name

Zhongwei Lai

Position

Director

4

Name

Mega International Commercial Bank Co., Ltd.

Position

Director

5

Name

Fengling Guo

Position

Director

6

Name

Chuangqian Qiu

Position

Independent Director

7

Name

Huimin Lin

Position

Independent Director

8

Name

Ruiyuan Lan

Position

Supervisor

9

Name

Junlong Zhang

Position

Supervisor

10

Name

Bingze Wu

Position

Supervisor

 

Personnel Structure

 

Total Employees

About 220 Employees

 

Operation Information

Offices & Factories

 

 

Headquarters

Add

10F, No.700,Jhongjheng Rd., Zhonghe Dist., New Taipei City 235, Taiwan (R.O.C.)

 

Production Information

l         Subject is engaged in manufacturing of electronic products, etc.

l         Subject has factories in Taiwan and Shenzhen City, China for production.

l         It is introduced that subject can provide OEM and ODM services.

l         Subject obtained the certifications of ISO 9001 and ISO 13485.

 

Purchase Information

 

l         The registered activities of subject:

Business Code

Details

CC01080

Manufacturing of electronic components

CC01110

Manufacturing of computer and peripheral equipment

CC01990

Manufacturing of other dynamo and electrical machinery

CE01010

Manufacturing of general instrument

E605010

Installation of computer

EZ05010

Installation of instrument and meter

F113010

Wholesale of machinery

F113050

Wholesale of computer and office equipment

F113070

Wholesale of telecom equipment

F113990

Wholesale of other mechanical appliance

F118010

Wholesale of software

F119010

Wholesale of electronic materials

F213030

Retail of computer and office equipment

F213060

Retail of telecom equipment

F213990

Retail of other mechanical appliance

F218010

Retail of software

F219010

Retail of electronic materials

F401010

International trade business

I301010

Software service

I301020

Data processing service

ZZ99999

Besides licensed business, all other business items those are not banned or restricted

F108031

Wholesale of medical equipment

F208031

Retail of medical equipment

CF01011

Manufacturing of medical equipment

 

l         The components for production are purchased from both home and abroad.

 

Sales Information

 

l         Subject is engaged in sale of electronic products, etc.

l         The major types of subject’s products include embedded computing, rugged mobile computing, ehealth computing, rugged box PC, and industrial panel PC, etc.

l         The products sold by subject are applied to medical industry, warehouse logistics, and transportation industry, etc.

l         Subject’s sales regions include domestic market, Japan, South Korea, Southeast Asia, Europe and USA, etc.

 

Major products

Type

Product

Embedded Computing

Computer on Module

Compact Board

Slot Board

Industrial Motherboard

Wide Temperature Board

Industrial Chassis / Backplane/ Power Supply

Accessory

Rugged Mobile Computing

Rugged Tablet PC

Ehealth Computing

Expert Medical Station

Patient Infotainment Terminal

Nursing Care Thin Client

Mobile Clinical Assistant

Patient Monitoring Terminal

Rugged Box PC

Extended Temperature Box PC

Wide Temperature Box PC

Transportation Box PC

Smart Grid Box PC

Digital Signage

Accessory

Industrial Panel PC

Touch Panel Computing

 

Import and export right:

Import right

Yes

Export right

Yes

 

Settlements

Purchase

 

Domestic Purchase

Product

Terms

Proportion

Components

Cash, T/T, etc

100%

 

Foreign Purchase

Product

Terms

Proportion

Components

L/C, T/T, etc

100%

 

 

Sales

 

Domestic Markets

Product

Terms

Proportion

Electronic products

Cash, T/T, etc

100%

 

Export

Product

Terms

Proportion

Electronic products

L/C, T/T, etc

100%

 

Balance Sheet

Unit: NTD/000

 

2012-12-31

2011-12-31

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

124,984.00

176,792.00

Financial assets measured at fair value through profit or loss - current

14.00

0.00

Notes receivable - net

944.00

831.00

Accounts receivable - net

118,772.00

133,901.00

Accounts receivable - related parties - net

91,657.00

104,448.00

Other receivable - related parties

103,682.00

25,708.00

Other financial assets - current

2,742.00

5,380.00

Inventories

152,006.00

124,639.00

Other current assets

32,444.00

29,705.00

Current assets

627,245.00

601,404.00

Funds and Investments

 

 

Financial assets carried at cost - non current

13,159.00

13,159.00

 Long-term investment under equity method

223,801.00

220,846.00

Investments

223,801.00

220,846.00

Funds and investments

236,960.00

234,005.00

Fixed Assets

 

 

Cost

 

 

Land

68,201.00

68,201.00

Buildings and structures

56,476.00

56,174.00

Machinery and equipment

10,810.00

9,707.00

Office equipment

3,511.00

3,649.00

Leasehold Improvements

4,231.00

2,677.00

Other facilities

48,525.00

44,549.00

Cost of Fix Assets

191,754.00

184,957.00

Accumulated depreciation

-43,350.00

-34,272.00

Construction in process and prepayment for equipments

2,734.00

2,957.00

Fixed assets

151,138.00

153,642.00

Intangible Assets

 

 

Deferred pension costs

48.00

53.00

Intangible assets

48.00

53.00

OtherAssets

 

 

Refundable deposits

2,134.00

2,359.00

Deferred expenses

6,135.00

5,196.00

Other assets - other

0.00

5,726.00

Other assets

8,269.00

13,281.00

Assets

1,023,660.00

1,002,385.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowings

124,213.00

76,735.00

Financial liabilities measured at fair value through profit or loss - current

0.00

17.00

Notes payable

8,207.00

11,254.00

Notes payable - related parties

909.00

581.00

Accounts payable

73,265.00

73,838.00

Accounts payable - related parties

23,475.00

65,068.00

Income tax payable

7,437.00

5,314.00

Accrued expenses

52,594.00

55,543.00

Advance receipts

42,069.00

57,509.00

Long-Term Liabilities -Current Portion

25,095.00

18,831.00

Other current liabilities

22,253.00

18,797.00

Current liabilities

379,517.00

383,487.00

Long term Liabilities

 

 

Long-term borrowings

52,127.00

47,278.00

Long-term liabilities

52,127.00

47,278.00

Reserves

 

 

Other Liabilities

 

 

Pension reserve / accrued pension liability

2,457.00

2,147.00

Other liabilities - other

24.00

24.00

Other liabilities

2,481.00

2,171.00

Liabilities

434,125.00

432,936.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

403,940.00

380,909.00

Capital Surplus

 

 

Capital Surplus - share premium

74,093.00

74,093.00

 Capital Surplus - treasury stock transactions

795.00

800.00

Capital Surplus - long-term equity investments

960.00

960.00

Capital Surplus

75,848.00

75,853.00

Retained Earnings

 

 

Legal reserve

33,328.00

27,173.00

Unappropriated retained earnings

72,880.00

77,072.00

Retained earnings

106,208.00

104,245.00

Stockholders' Equity and Other adjustment

 

 

Cumulative translation adjustments

7,934.00

15,082.00

Net loss not recognized as pension cost

-896.00

-733.00

Treasury stock

-3,499.00

-5,907.00

Stockholders' equity and other adjustment

3,539.00

8,442.00

Stockholders - equity

589,535.00

(USD 20,044,190.00)

569,449.00

(USD 19,361,266.00)

Number of treasury stock acquired by the company and subsidiaries (unit: share)

221,000.00

367,000.00

Equivalent Shares of Outstandings of Advance Receipts for Common Stock (Unit: Share)

0.00

0.00

 (As of 2013.08, 1 NTD = 0.0340 USD)

Note: Subject's date of last annual return ended on 2013-5-20 and at that time subject's paid up capital was NTD 457,800,190 as we supplied which we obtained from local registry.

The latest financial statement which we can obtain was ended on 2012-12-31.

We speculated that subject increased their capital in the last two quarters. But we cannot confirm the information at present.

 

Profit and Loss Account

Unit: NTD/000

 

2012

2011

Sales

1,018,105.00

(USD 34,615,570.00)

974,737.00

(USD 33,141,058.00)

Sales returns

2,947.00

3,597.00

Sales discounts and allowances

2,320.00

1,864.00

Sales

1,012,838.00

969,276.00

Operating income

1,012,838.00

969,276.00

Cost of sales

702,564.00

693,774.00

Operating costs

702,564.00

693,774.00

Gross profit (loss) from operations

310,274.00

275,502.00

Unrealized gains on intercompany transactions

21,829.00

13,082.00

Realized gains on intercompany transactions

13,082.00

9,349.00

Selling expense

63,439.00

63,067.00

General and administrative expenses

49,713.00

44,376.00

Research and development expenses

107,935.00

98,459.00

Operating expenses

221,087.00

205,902.00

Operating income (loss)

80,440.00

65,867.00

Non-Operating Income

 

 

Interest income

206.00

228.00

Income from investment

0.00

342.00

Income from investments under the equity method

0.00

342.00

Foreign exchange gains

0.00

8,579.00

Miscellaneous income

3,724.00

1,862.00

Non-operating revenues and gains

3,930.00

11,011.00

Non-Operating Expenses

 

 

Interest expense

3,028.00

3,496.00

Losses from investments under the equity method

19,476.00

0.00

Investment loss

19,476.00

0.00

Foreign exchange losses

7,999.00

0.00

Loss on Valuation of Financial Asset

24.00

0.00

Loss on Valuation of Financial Liabilities

0.00

3,837.00

Miscellaneous disbursements

416.00

972.00

Non-operating expenses and losses

30,943.00

8,305.00

Income from continuing operations before income tax

53,427.00

68,573.00

Income tax expense (benefit)

13,561.00

7,019.00

Income from continuing operations

39,866.00

61,554.00

Net income (loss)

39,866.00

(USD 1,355,444.00)

61,554.00

(USD 2,092,836.00)

Primary Earnings per Share

 

 

Primary earnings per share

1.01

1.59

Diluted earnings per share

 

 

Diluted earnings per share

1.01

1.55

 (As of 2013.08, 1 NTD = 0.0340 USD)

 

Cash Flows

Unit: NTD/000

 

2012

2011

Cash Flows from Operating Activities - Indirect Method

 

 

Net Income (Loss)

39,866.00

61,554.00

Adjustments to Reconcile Net Income to Net Cash Provided by (Used in) Operating Activities

 

 

Depreciation Expense

11,018.00

9,715.00

Amortization Expense

3,520.00

2,538.00

Provision (Reversal of Provision) for Bad Debts Losses

-161.00

-164.00

Share-Based Payment Awards

0.00

800.00

Loss (Gain) on Decline (Recovery) in Market Value, Scrap and Obsolescence of Inventories

9,619.00

15,893.00

Investment Loss (Income) Recognized under Equity Method

19,476.00

-342.00

Loss (Gain) on Disposal of Property, Plant and Equipment

410.00

972.00

Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

24.00

3,837.00

Unrealized Gain (Loss) on Intercompany Transactions

21,829.00

13,082.00

Realized Loss (Gain) on Intercompany Transactions

-13,082.00

-9,349.00

Other Adjustments

0.00

0.00

Changes in Operating Assets and Liabilities

 

 

Decrease (Increase) in Transaction Financial Assets

-55.00

0.00

Decrease (Increase) in Notes Receivable

-113.00

1,927.00

Decrease (Increase) in Accounts Receivable

15,290.00

-76,632.00

Decrease (Increase) in Accounts Receivable - Related Parties

12,791.00

-34,112.00

Decrease (Increase) in Other Accounts Receivable - Related Parties

-77,974.00

-887.00

Decrease (Increase) in Inventories

-36,986.00

-4,561.00

Decrease (Increase) in Other Current Assets

-3,574.00

-2,503.00

Decrease (Increase) in Other Financial Assets

239.00

-693.00

Decrease (Increase) in Deferred Income Taxes

6,561.00

2,118.00

Increase (Decrease) in Transaction Financial Liabilities

0.00

-3,820.00

Increase (Decrease) in Notes Payable

-3,047.00

3,937.00

Increase (Decrease) in Notes Payable - Related Parties

328.00

123.00

Increase (Decrease) in Accounts Payable

-573.00

34,012.00

Increase (Decrease) in Accounts Payable - Related Parties

-41,593.00

33,670.00

Increase (Decrease) in Income Tax Payable

2,123.00

-1,816.00

Increase (Decrease) in Accrued Expenses

-2,949.00

7,093.00

Increase (Decrease) in Advance Receipts

-15,440.00

48,175.00

Increase (Decrease) in Other Current Liability

-5,291.00

4,490.00

Increase (Decrease) in Accrued Pension Liabilities

152.00

79.00

Net Cash Provided by (Used in) Operating Activities

-57,592.00

109,136.00

Cash Flows from Investing Activities

 

 

Acquisition of Financial Assets as Fair Value through Profit or Loss

0.00

0.00

Proceeds from Disposal of Financial Assets as Fair Value through Profit or Loss

0.00

0.00

Acquisition of Subsidiary

-29,579.00

-2,910.00

Purchase of Property, Plant and Equipment

-9,019.00

-14,520.00

Proceeds from Disposal of Property, Plant and Equipment

95.00

0.00

Decrease (Increase) in Refundable Deposits

225.00

-746.00

Decrease (Increase) in Deferred Charges

-4,459.00

-2,528.00

Decrease (Increase) in Restricted Assets

2,399.00

2,404.00

Net Cash Provided by (Used in) Investing Activities

-40,338.00

-18,300.00

Cash Flows from Financing Activities

 

 

Increase (Decrease) in Short-term Loans

47,478.00

-84,084.00

Increase (Decrease) in Short-Term Notes And Bills Payable

0.00

-20,000.00

Proceeds from Long-term Debt

30,000.00

0.00

Repayment of Long-term Debt

-18,887.00

-21,071.00

Increase (Decrease) in Guarantee Deposit Received

0.00

0.00

Issued Cash Dividends

-26,532.00

-25,638.00

Employee Stock Option

11,660.00

0.00

Repurchase Cost of Treasury Stock

-491.00

0.00

Employees Purchase Treasury Stock

2,894.00

4,021.00

Net Cash Provided by (Used in) Financing Activities

46,122.00

-146,772.00

Net Increase (Decrease) in Cash and Cash Equivalents

-51,808.00

-55,936.00

Cash and Cash Equivalents, Beginning of year

176,792.00

232,728.00

Cash and Cash Equivalents, End of year

124,984.00

176,792.00

Supplemental Cash Flow Information

 

 

Interest Paid

2,964.00

3,573.00

Interest Paid- Excluding Capitalized Interest

2,964.00

3,573.00

Income Tax Paid

4,877.00

6,717.00

Non-cash Investing and Financing Activities

 

 

Earning Transfer to Increase Capital

11,371.00

10,987.00

Related Parties of Accounts Receivable Transfer to Long-term Investment

0.00

24,341.00

Long-Term Investments At Equity Transfer to Financial Assets At Cost

0.00

5,847.00

Other

0.00

1,279.00

 

Bankers

Subject declined to disclose its bank details; from other source we cannot obtain the relevant information, either.

 

Public Record

Mortgage

 

No chattel mortgage record of subject has been found within the recent 3 months.

 

Lawsuit

 

Up to date of reporting, no existing or latent litigation of the subject has been found.

 

Interview Details

 

Name

Ms. Xie

Department

Sales Department

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.11

UK Pound

1

Rs.94.77

Euro

1

Rs.81.54

 

 

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

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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.