MIRA INFORM REPORT

 

 

Report Date :

24.08.2013

 

IDENTIFICATION DETAILS

 

Name :

DELTA - GALIL INDUSTRIES LIMITED

 

 

Registered Office :

P.O. Box 137, Karmiel (2161002) P.O. Box 10265, Tel Aviv (6110102) 2 Kaufman Street  Textile House Tel Aviv  6801294   

 

 

Country :

Israel

 

 

Financials (as on) :

31.12.2012 (Consolidated)

 

 

Date of Incorporation :

09.06.1975

 

 

Legal Form :

Public Limited Company

 

 

Line of Business :

Manufacturers, marketers, retailers and exporters of private label women’s lingerie and intimate apparel, seamless underwear, as well as socks, leisurewear, nightwear and active-wear for men, ladies, and children.

 

 

No. of Employees :

1560

 

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 :

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, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Israel

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

ISRAEL - ECONOMIC OVERVIEW

 

Israel has a technologically advanced market economy. Its major imports include crude oil, grains, raw materials, and military equipment. Cut diamonds, high-technology equipment, and pharmaceuticals are among the leading exports. Israel usually posts sizable trade deficits, which are covered by tourism and other service exports, as well as significant foreign investment inflows. The global financial crisis of 2008-09 spurred a brief recession in Israel, but the country entered the crisis with solid fundamentals - following years of prudent fiscal policy and a resilient banking sector. The economy has recovered better than most advanced, comparably sized economies. In 2010, Israel formally acceded to the OECD. Israel's economy also has weathered the Arab Spring because strong trade ties outside the Middle East have insulated the economy from spillover effects. Natural gasfields discovered off Israel's coast during the past two years have brightened Israel''s energy security outlook. The Leviathan field was one of the world''s largest offshore natural gas finds this past decade, and production from the Tama field is expected to meet all of Israel''s natural gas demand beginning mid-2013. In mid-2011, public protests arose around income inequality and rising housing and commodity prices. The government formed committees to address some of the grievances but has maintained that it will not engage in deficit spending to satisfy populist demands.

Source : CIA

 


COMPANY NAME AND ADDRESS

                                                                                                     

DELTA - GALIL INDUSTRIES LTD.

Telephone         972 3 519 37 37; 519 37 44

972 4 990 36 36

Fax                   972 3 519 37 05; 519 37 90

P.O. Box 137, KARMIEL (2161002)

P.O. Box 10265, TEL AVIV (6110102)

2 Kaufman Street

Textile House

TEL AVIV 6801294 ISRAEL

 

 

HISTORY & LEGAL FORMATION

 

Originally incorporated as a private limited company under the name of DELTA TEXTILE LTD. and registered as such as per file No. 51-086339-2 on the 09.06.1975.

On the 30.08.1983 merged with GALIL INDUSTRIES AND DEVELOPMENT (NAHARIA) LTD., originally incorporated on the 20.03.1961 under the name MULLER TEXTILE LTD. (name changed on the 28.01.1981), registered as per file No. 52-002560-2. The merged entity has been operating as a public limited company since August 1982, following an Initial Public Offering and listing its shares for trade on the public on the Tel Aviv Stock Exchange.

Name changed to the present one on 21.02.1999.

 

On the 25.03.1999 issued American Depositary Shares ("ADS") on the NASDAQ Stock Exchange.

In March 2007, subject de-listed its ADS shares from NASDAQ and listed shares for trade on the American "International Prime OTCQX" stock market.

In view of the improvement in its financial results in 2011, in early 2012 it was reported that subject aims at re-enlisting to NASDAQ.

 

In February 2003 two wholly-owned subsidiaries were merged into subject: DELTA SOCKS LTD. (established 1981) and DELTA SPORTING LTD. (established in 1982).

In December 2007, TAG-LI LTD. and DELTA TEXTILE MARKETING LTD. were also fully merged into subject.

 

 

SHARE CAPITAL

 

Authorized share capital NIS 36,000,000.00, divided into -

36,000,000 ordinary shares of NIS 1.00 each,

of which 25,984,131 shares amounting to NIS 25, 984,131.00 were issued.


 

SHAREHOLDERS

 

1.         GMM CAPITAL LLC., 50.2%, controlled by Isaac Dabah, of the USA,

2.         Dov Lautman (via controlled companies), 10.3%,

3.         CLAL INSURANCE HOLDINGS LTD., 8.7%; THE PHOENIX HOLDINGS, 4.7%; institutional investors,

4.         STERLING MAKRO Investment Fund, managed by Isaac Dabah, 6.5%,

5.         Shares are also traded on the Tel Aviv Stock Exchange (TASE) and on the American "International Prime      OTCQX" stock market.

 

In August 2005, Isaac Dabah, via GMM CAPITAL, acquired SARA LEE shares (23%) in subject, for a sum of US$ 27.7 million.

 

In July 2007, Dov Lautman, shareholder No. 2 and founder of subject, who thus far also controlled subject, sold the control in subject to shareholder No. 1, Isaac Dabah (via GMM CAPITAL), selling 13.3% in consideration of US$ 21.3 to
US$ 25 million (pending on subject's stock value by the end of 2008).

 

In May 2008, Dabah made a tender offer for further 5% of subject's shares.

According to an inteview with Isaac Dabah in July 2012, subject intends to re-issue shares on the Nasdaq in the following nex 2 years.

 

 

DIRECTORS

 

1.         Noam Lautman, Chairman,

2.         Isaac Dabah, General Manager,

3.         Itzhak Weinstock,

4.         Gideon Chitayat,

5.         Israel Baum,

6.         Shaul Ben-Zeev,

7.         Ms. Tzipora Carmon,

8.         Yehezkel Dovrat.

 

 

BUSINESS

 

Subject, directly and through its subsidiaries, operates as designers, manufacturers, marketers, retailers and exporters of private label women’s lingerie and intimate apparel, seamless underwear, as well as socks, leisurewear, nightwear and active-wear for men, ladies, and children.

Sales in Israel comprise around 11% of all sales in 2012 (13.4% in 2011). 59% of sales are to the North America (62% in 2011).

 

Designing and development are carried out in Israel and the USA, manufacturing is carried out in the Middle East and the Far East, mainly via sub-contractors.

 

           


 

Also (through a fully owned subsidiary) operates a retail chain stores (139 branches, mostly owned) of undergarment and additional products all over Israel ("Delta Plus"), including retail chain for kids of 14 shops ("Delta Kids"), as well as sales through local retail chains and department stores, e.g. H&O FASHION, NEW HAMASHBIR LAZARCHAN, SHUFERSAL.

Marketing international brands based on concession from Puma, Keds, Nike, Fox, Disney, etc., as well as Kenneth Cole.

Main customers: WAL-MART (U.S.A), comprising some 13.2% of sales in 2012.

Other customers are leading retail chains, e.g. MARKS & SPENCER, TARGET, MARVYN'S, J.C.PENNEY, VICTORIA’S SECRET, KOHL'S, HEMA (of the Netherlands), and leading brands, e.g. Hugo Boss, Nike, Calvin Klein, Under Armour, Tommy Hilfiger, Spanx, Columbia Sportswear, etc.

Local concessionaires for intl. brands: Wilson, Converse, Maidenform, Tommy Hilfiger, Lucky, MLB, KN Karen Neuburger.

 

Among local suppliers: ZAMIR KNITTING, AVCO CHEMICALS, NILIT, CHEMIART, ADA LISS, SALINA INDS., SVAV OR, GROFIT PLASTICS, ARYOS MARKETING, B & E INTERNATIONAL, A. SHITZER, ALEXANDER MANKET, WORKER, REAL.TEX AGENCIES, etc.

 

Operating from headquarters, rented offices, on an area of 998 sq meters, in 2 Kaufman Street, Textile House, Tel Aviv, and from:

Offices, in 20 Hamelacha Street, Park Afek, Rosh Ha'ayin (the address you provided).

Owned facilities on leased area of 24,000 sq. meters (14,000 sq.m. built) and leased 7,500 sq. meters, in Caesarea, and in Industrial Zone, Karmiel.

Logistics and design centers, on leased built area of 9,440 sq. meters, in Industrial Park, Caesarea.

Plants in Jordan, Egypt, Thailand and Bulgaria; also having manufacturing subcontractors in Egypt, Bulgaria, Turkey, Central America and the Far East.

Offices and logistics centers in China, U.S.A, U.K., Europe (incl. shops and facilities of SCHIESSER in Germany, Czech Rep. & Slovakia) (all leased).

 

Having 9,040 employees in the whole DELTA GALIL Group as of end of 2012 (had 7,130 employees in end of 2011), of which 1,560 employees in Israel. The increase in employees is from inclusion of 600 employees of SCHIESSER.

 

 

MEANS

 

In January 2010, December 2010 and April 2012 subject completed capital raises of NIS 113 million, NIS 98 million and NIS 192.3 million, respectively, by issuing bonds to the public through TASE.

In August 2013 subject raised NIS 178.54 million in bonds issue on the TASE.

 

In October 2012 subject's Board appoved a self purchase of stocks up to US$ 2.5 million.

 

In October 2012 subject's Board appoved a self purchase of stocks up to US$ 2.5 million.

 

 


Consolidated B/S shows

 

                                                                                    US$ (thousands)

                                                                        31.12.2012                    30.06.2013

ASSETS

Current assets

     Cash and cash equivalents                                      48,297                       36,615

     Customers                                                           108,735                     117,367

     Inventories                                                            150,309                     159,890

     Other debtors and assets                                        19,424                       27,465

                                                                                326,765                     341,337

Non-current assets

     Fixed assets, net                                                   93,019                       95,503

     Intangible assets, net                                            111,482                     112,619

     Other non-current assets                                         27,945                       28,814

                                                                                232,446                     236,936

                                                                                559,211                     578,273

                                                                             =======                   =======

 

LIABILITIES

Current liabilities                                                        182,356                     186,098

Non-current liabilities                                                   99,056                     101,350

Equity                                                                      277,799                     290,825

                                                                                559,211                     578,273

                                                                             =======                     ======

 

Current market value US$ 456.6 million.

 

Accrued orders as of 10.02.2013: US$ 151.7 million.

 

In 2011 and 2010, subject invested US$ 25 million in R&D.

In October 2010 subject sold a property in Naharia for US$ 24 million.

 

Subject is an “Approved Enterprise” and as such entitled for State support and tax relieves.

 

There are 24 charges for unlimited amounts registered on the company’s assets, in favor of the State of Israel, local and foreign banks (last charge placed November 1987).

           


 

REVENUES

                                                                        Consolidated Statement of Income

                                                                                         US$ (thousands)

                                                                                         Year ended 31.12

                                                                             2010                2011                 2012

Sales                                                                   620,074            678,819            817,782

 

Gross profit                                                          121,269            136,323            183,381

 

Operating income                                                   31,066              39,661              74,838

 

Pre-tax income                                                       23,249              32,584              66,006

 

Net income (loss)                                                   21,182              27,575              56,977

                                                                        =======          =======         =======

 

 

The jump in sales in 2012 is attributed to the purchase of SCHIESSER of Germany.

 

Consolidated revenues for the first half of 2013 were US$ 461.6 million (37% increase compared to the parallel period in 2012), making a gross profit of

US$ 118.15 million, an operating profit of US$ 25.55 million, and a net profit of

US$ 15.5 million.

 

 

OTHER COMPANIES

 

(100% unless otherwise stated)

DELTA GALIL USA INC., USA,

DELTA GALIL UK LIMITED., U.K.,

DELTA GALIL HOLLAND B.V., fully owns: THAI PROGRESS GARMENT CO. LTD. (in Thailand) CENTURY WEAR CORPORATION (WLL) (in Jordan), 50%, DELTA TEXTILE BULGARIA LTD. (in Bulgaria), DELTA TEXTILE (EGYPT) FREE ZONE S.A.E. (in Egypt), WUNDIES BANGLADESH LIMITED., DELTA TEXTILE UPPER EGYPT, 98%, DELTA GALIL HONG KONG LTD., DOMINION HOSIERY MILLS INC., DELTA GALIL LIMITED APPAREL (GUANGZHOU) CO. LTD.

DELTA TEXTILES (LONDON) LTD., fully owns: DELTA GALIL EUROPE LTD., DELTA GALIL TEXTILE GERMANY GMBH & CO. KG, SPORT SOCKS COMPANY (BELGUM) LTD., DELTA GALIL GERMANY GMBH, DELTA GALIL GERMANY GMBH.

SCHIESSER AG, holding 11 subsidiaries.

 

 


 

BANKERS

 

Bank Hapoalim Ltd., The Main Branch (No. 170), Tel Aviv.

Bank Leumi Le’Israel Ltd., Tel Aviv Central Branch (No. 800), Tel Aviv.

Union Bank of Israel Ltd., Tel Aviv Main Branch (No. 063), Tel Aviv.

Mizrahi Tefahot Bank Ltd., Tel Aviv Main Business Center Branch (No. 461), Tel Aviv.

Israel Discount Bank Ltd., Tel Aviv Main Branch (No. 010), Tel Aviv.

Mercantile Discount Bank Ltd., Main Business Branch (No. 720), Tel Aviv.

The First International Bank of Israel Ltd., Tel Aviv Main Branch (No. 046), Tel Aviv.

HSBC Bank, Tel Aviv Main Branch, Tel Aviv.

 

 

CHARACTER AND REPUTATION

 

Nothing unfavorable learned.

 

Subject is the largest textile company in Israel. Estimated market share in the local sales of undergarments and socks is 10% - 30%. In the Mass Market in USA (estimated at US$ 6 billion) subject holds 5%, and in the "Upper Market" in USA and UK (estimated at US$ 5 billion US$ 6 billion) subject holds 6%.

Group holds some 50% of the branded undergarments market in Germany (via SCHIESSER)

 

In 2000 subject purchased all of assets of DOMINION HOSIERY MILLS INC., a Canadian socks manufacturer, for US$ 8.3 million.

Also in 2000 it completed the acquisition of WUNDIES INDUSTRIES INC., of the USA, in consideration of 6.8% of subject’s shares for WUNDIES.

 

In 2001 subject, via WUNDYES INDUSTRIES, acquired American INNER SECRETS, manufacturers of private label bras and other ladies intimate apparel, for US$ 55 million (85% in cash and 15% in shares).

 

In 2003, subject acquired 100% of AUBURN HOSIERY MILLS, an American socks manufacturer, for a sum of US$ 17 million.

 

In 2004, subject acquired BURLEN CORP., an American lingerie company, for a sum of US$ 50 million.

 

In 2007, Dov Lautman, subject's fuonder tiil then the controlling shareholder, decided to pass the control to his partner in recent years, Isaac Dabah, following deterioration in his health condition. Dabah startegy is leading subject to new areas mainly concentrating on brands, less on private label (90% of sales), and using his know-how in the American market.

 

Mr. Dabah, over 30 years in the textile and apparel sectors, controls the GMM Fund, an American investment fund held by the Dabah family, which also holds 15% in HABAS, a large local entrpreneur and real estate company, as well as half of an apparel retail chain GOODY's FAMILY CLOTHING, USA of 385 stores and other global holdings in the textile business. In September 2008, Mr. Dabah also replaced Aviram Lahav who retired, as subject’s General Manager.

 

Facing harsh competition from lower-cost production countries, subject was forced to go through streamlining measures. During 2005 - 2007 it closed sewing plants and other manufacturing activities in Israel and several abroad, shifting  activities to low labor cost countries. The process continued during 2008, also in view of the crisis in world markets since mid 2008. Another strategic move was the closure of the direct operations in England (leaving only marketing office), after the diminishing orders from subject’s long standing main client Marks & Spencer (40% decrease in 2008 from 2007, from US$ 134 million to US$ 80 million). Subject will deliver its goods FOB instead of FSV.

As a result of the re-organization it moved into profit in the 3rd quarter of 2009, ending with a net profit in 2009.

Subject was also facing the political turmoil in Egypt in early 2011, where its plant contributes some 11% of the Group’s sales. Subject’s General Manager Isaac Dabah said subject did not suffer damages (plant was closed for 4 days).

 

In February 2008, subject obtained an exclusive concession to market underwear of "Tommy Hilfiger" in the U.S.A and other world's markets, in a contract estimated at US$ 10 million per year, and according to which subject will manufacture market and manage the brand, as of August 2008.

 

In March 2008, it was reported that “Victoria’s Secret” is narrowing its orders from subject due to streamlining. 2009 sales “Victoria’s Secret” were affected by the economic crisis, but in 2010 a significant improvement noted, mainly thanks to new technology of bras manufacturing. Subject’s volume of production for “Victoria’s Secret” is US$ 40 million in 2010. In October 2010 it was reported that subject is negotiating with Victoria’s Secret” to open a chain store in Israel for the American lingerie brand.

 

In February 2009, subject completed the acquisition from local socks manufacturer GIBOR SPORT ACTIVE WEAR their socks manufacturing activities, including M&E in their Jordan and Turkey plants, for NIS 23.5 million + estimated NIS 14 million for inventory. The acquisition will turn subject to NIKE’s main socks supplier with estimated sales of US$ 21 million per annum.

In June 2009 it was reported that subjet received the fanchise for NIKE underwear.

           

In December 2009 it was reported that subject is in negotiations to acquire the activities of an internationa brand, deal is valued at US$ 70 million, however in June 2010 it was reported that the deal did not come through.

 

Subject reported that as part of its reorganization plan, some 100 employees were laid-off in Israel and UK during 2009 and 40 employees in the USA. It reported that in Q1 2010 it closed its socks activity in Jordan, laying-off 90 employees. The reduction in employees in 2010 was due to selling subject's plant in India (with 300 employees), and re-organization in its other plants.

Subject has been ongoing a re-organization, which includes unification of manufacturing plants and transfer to manufacturing plants in China and Bulgaria and layoffs. This includes a process of closing down the Karmiel facility ("International Intimate Apparel" Div. and the "Delta Socks" and “Tag-Li” Div.) on an area of 56,200 sq. meters, of which 24,000 sq. meters owned, and is presented in subject's B/S as 'assets for realization'.

 

In January 2010 AUBURN HOSIERY MILLS INC was merged into DELTA GALIL USA INC., as part of Group's re-organization, followed by layoff of 40 employees.

 

During Q1 2010 subject sold its Indian subsidiary DELTA TEXTILE (INDIA) PTY. for US$ 2.3 million. Also in Q1 2010 subject closed its finishing line in Jordan.

 

In 2011 subject launched a new chain for kids apparel (“Delta Kids”), separately from its existing retail chain. Subject intends to open some 40 stores untill 2015, and will invest NIS 20 million in the new chain. So far 14 stores were opened.

 

In 2011 subject sold its headquarters premises property in 2 Kaufman St., Textile House, Tel Aviv, for US$ 3.5 million, and leased it back from the buyers.

 

In June 2011 subject, via subsidiary DELTA USA, signed an agreement to acquire the American branded women's Sleepwear activity, under the brand "KN Karen Neuburger" for US$ 4 million. The acquisition does not include the manufacturing activities, carried out by sub-contractors in the Far East.

 

In June 2011 subject launched an advertising campaign for "Delta Israel" with investment of NIS 2.5 million.

 

In October 2011 it was revealed that subject is intending to acquire GLORIA VANDERBILT (of the JONES Group) jeans manufacturer for US$ 350 million, however, in January 2012 it was reported that the deal did not pull through.

 

In May 2012 subject reported it signed an agreement to fully acquire SCHIESSER, Germany's leading undergarment manufacturer (which was in Receivership), for 68 million. Deal was finalized in July 2012.

 

In July 2012 subject opened a retail store in a CARREFOUR store in Georgia.

 

During Q2-Q3 2012subject moved its logistics center from Rosh Ha'ayin to Caesarea (offices to remain), with total investment (mostly by CAESAREA DEVELOPMENT CO. and rest by subject) of US$ 14 million.

 

In December 2012 it was reported that subject acquired the children's undergarments brand 'LittleMissMatched' for several US million. In May 2013 it was reported that subject intends to open a retail chain for the brand (2 stores to be opened in near future, and to reach some 30 stores).

 

In January 2013 it was reported that subject received the global representatives (developing, manufacturing, marketing) of socks of 'Columbia Sportswear' brand.

 

In July 2013, ARGAMAN INDUSTRIES (opertaing in the textile field) reported it is negotiating the sale of part of the activities of its retail stores (having 32 stores under the name "Lodzia Rotex") as well as brand names, to subject.

 

Sales by local Textile, Clothing and Fashion Industries have been experiencing decrease in sales over the last years. The output by the local Textile and Clothing industries in 2009 fell down by 13% from 2008. Some 60% of the textile industry production is sold in the local market and the rest for export. Most exports were the North American markets (some 50%), and the industries suffered from the global economic crisis, mainly in the USA, as well as the slow-down in local market. In 2010 sales for export of the Textile, Clothing & Leather industries improved just slightly, with 3.5% increase from 2009, however also due to global markets weakness in 2011 and 2012 fell again by 6.6% and 6.7%, respectively, reaching US$ 808 million in 2012.

 

The local industry has been in state of crisis in face of amounting import from foreign competitors with cheaper production costs, forcing streamlining process, plants closure, and mostly resulting in the shift of textile manufacturing to low labor cost countries. There are around 14,000 employed in the textile sector in some 130 plants. In order to deal with the situation, the local textile industry diverted mainly to advanced technologies production, niches and design aspects.

 

According to reports from the end of 2012, total revenues of the local fashion market are NIS 11 billion per annum. 40% of sales are in the large fashion chains, 34% in other smaller chains, and the rest in private shops.

According to the fashion market survey, which monitors sales by the local fashion chains, 2012 marked almost a freeze in revenues, with mere 0.7% increase from 2011. The data reveals that in 2012 41 fashion chains (out of 72 chains with total of over 1,600 shops) noted decrease in sales of aparel and footwear.

 

The under garment sector in Israel is valued at NIS 1.95 billion in 2012 (a 5% increase from 2011). As of end of 2010, there were some 1,100 points of sale for under garment products, of which 510 of under garment retail chains (2 main players are subject and HAMASHBIR 365, holding 56.4% of market sales). In 2012, braziers and fitters are the main product - 48% of under garment sales, under ware 19%, sox and stockings 15%, sleep dressing 11% and undershirts 7%.

In 2012 import of under garment was of NIS 930 million (10% increase from 2011).

 

The local fashion market has been significantly influenced by the entrance of new international fashion players to the already highly competitive local market (GAP, H&M in 2009/2010, Forever 21 in 2011).

Sources in the local fashion branch, in recent period the branch re-entered stagnation, and drop in revenues. It is explained by several factors, including the present slow-down in local economy, and the fierce competition where the entrance of the strong international chains are dragging prices down but do not bring to expansion of the fashion market.

 

 

SUMMARY

 

Good for trade engagements.

 

Note: Since February 2013 Israel Post has started using a new area code method of 7 digits (the old method of 5 digits is no longer valid).

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs. 64.69

UK Pound

1

Rs. 100.80

Euro

1

Rs. 86.30

 

 

INFORMATION DETAILS

 

Report Prepared by :

NIS

 

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

--

NB

New Business

 

--

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

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