MIRA INFORM REPORT

 

 

Report Date :

29.08.2013

 

IDENTIFICATION DETAILS

 

Name :

PFC ENGINEERING SDN. BHD.

 

 

Formerly Known As :

PERWAJA FABRICATION CENTRE SDN BHD

 

 

Registered Office :

Maju Tower, 1001 Jalan Sultan Ismail, Level 22, 50250 Kuala Lumpur, Wilayah Persekutuan

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

28.06.1993

 

 

Com. Reg. No.:

268327-K

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Provision of oil & gas engineering work

 

 

No. of Employees :

150 [2013]

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

NOTES:

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

 

ECGC Country Risk Classification List – March 31st 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Malaysia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

MAlaysia ECONOMIC OVERVIEW

 

Malaysia, a middle-income country, has transformed itself since the 1970s from a producer of raw materials into an emerging multi-sector economy. Under current Prime Minister NAJIB, Malaysia is attempting to achieve high-income status by 2020 and to move farther up the value-added production chain by attracting investments in Islamic finance, high technology industries, biotechnology, and services. NAJIB's Economic Transformation Program (ETP) is a series of projects and policy measures intended to accelerate the country's economic growth. The government has also taken steps to liberalize some services sub-sectors. The NAJIB administration also is continuing efforts to boost domestic demand and reduce the economy''s dependence on exports. Nevertheless, exports - particularly of electronics, oil and gas, palm oil and rubber - remain a significant driver of the economy. As an oil and gas exporter, Malaysia has profited from higher world energy prices, although the rising cost of domestic gasoline and diesel fuel, combined with strained government finances, has forced Kuala Lumpur to begin to reduce government subsidies. The government is also trying to lessen its dependence on state oil producer Petronas. The oil and gas sector supplies about 35% of government revenue in 2011. Bank Negera Malaysia (central bank) maintains healthy foreign exchange reserves, and a well-developed regulatory regime has limited Malaysia''s exposure to riskier financial instruments and the global financial crisis. Nevertheless, Malaysia could be vulnerable to a fall in commodity prices or a general slowdown in global economic activity because exports are a major component of GDP. In order to attract increased investment, NAJIB has raised possible revisions to the special economic and social preferences accorded to ethnic Malays under the New Economic Policy of 1970, but he has encountered significant opposition, especially from Malay nationalists and other vested interests.

 

Source : CIA

 


 


* Adopted abbreviations :

SC - Subject Company (the company enquired by you)

 

 

N/A - Not Applicable

 

 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

268327-K

COMPANY NAME

`

PFC ENGINEERING SDN. BHD.

FORMER NAME

:

PERWAJA FABRICATION CENTRE SDN BHD (14/03/2002)
PERWAJA FORGING SDN BHD (20/02/1996)
SPECIVOYAGE (N) SDN BHD (19/01/1994)

INCORPORATION DATE

:

28/06/1993

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

MAJU TOWER, 1001 JALAN SULTAN ISMAIL, LEVEL 22, 50250 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

BUSINESS ADDRESS

:

MAJU TOWER, 1001 JALAN SULTAN ISMAIL, LEVEL 22, 50250 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

TEL.NO.

:

03-27728777

FAX.NO.

:

03-27728780

WEB SITE

:

WWW.PFCE.COM.MY

CONTACT PERSON

:

ABU TALIB BIN MOHAMED ( MANAGING DIRECTOR )

 

 

 

INDUSTRY CODE

:

77306

PRINCIPAL ACTIVITY

:

PROVISION OF OIL & GAS ENGINEERING WORK

AUTHORISED CAPITAL

:

MYR 100,000,000.00 DIVIDED INTO 
ORDINARY SHARE 100,000,000.00 OF MYR 1.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 10,000,000.00 DIVIDED INTO 
ORDINARY SHARES 10,000,000 CASH OF MYR 1.00 EACH.

 

 

 

SALES

:

MYR 381,610,000 [2011]

NET WORTH

:

MYR 87,125,000 [2011]

 

 

 

STAFF STRENGTH

:

150 [2013]

BANKER (S)

:

MALAYAN BANKING BHD
BANK ISLAM MALAYSIA BHD
CIMB BANK BHD
BANK MUAMALAT MALAYSIA BHD

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

STABLE

PAYMENT

:

FAIR

MANAGEMENT CAPABILITY

:

GOOD

 

 

 

COMMERCIAL RISK

:

MODERATE

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

GOOD

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

HISTORY / BACKGROUND

 

The SC is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the SC must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the SC is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the SC is insolvent. The SC is governed by the Companies Act, 1965 and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

 

The SC is principally engaged in the (as a / as an) provision of oil & gas engineering work.

 

The SC is not listed on Bursa Malaysia (Malaysia Stock Exchange).

 

The major shareholder(s) of the SC are shown as follows :


Name

Address

IC/PP/Loc No

Shareholding

(%)

DATO' ABU TALIB BIN MOHAMED +

21, JALAN 16/6, 46350 PETALING JAYA, SELANGOR, MALAYSIA.

480823-01-5445 0736052

8,000,000.00

80.00

MR. MUAMMAR GADAFFI BIN ABU TALIB +

21, JALAN 16/6, 46350 PETALING JAYA, SELANGOR, MALAYSIA.

751211-02-5951 A3330090

2,000,000.00

20.00

 

 

 

---------------

------

 

 

 

10,000,000.00

100.00

 

 

 

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

=====

+ Also Director

 

The SC interest in other companies (Subsidiaries/Associates) are shown as follow :



Local No

Country

Company

(%)

As At

614632T

MALAYSIA

PFCE-PONTEROSSO SDN. BHD.

100.00

29/03/2013

 

 

 

 

 

831882D

MALAYSIA

PFCE INTERNATIONAL SDN. BHD.

100.00

29/03/2013

 

 

 

 

 

845241T

MALAYSIA

PFCE SELATAN SDN. BHD.

100.00

29/03/2013

 

 

 

 

 

898066H

MALAYSIA

PFCE CENTRAL SDN. BHD.

100.00

29/03/2013

 

 

 

 

 

387315X

MALAYSIA

PFCE-CG SDN. BHD.

100.00

29/03/2013

 

 

 

 

 

674973M

MALAYSIA

PFCE DAGANG SDN. BHD.

100.00

29/03/2013

 

 

 

 

 

270656X

MALAYSIA

PM SOLUTIONS SDN. BHD.

100.00

29/03/2013

 

 

 

 

 

834399X

MALAYSIA

PRECISE CALIBRATION SDN. BHD.

100.00

31/12/2011

 

 

 

 

 

930990K

MALAYSIA

MACES CHEMICALS SDN. BHD.

75.00

29/03/2013

 

 

 

 

 

574348V

MALAYSIA

PFCE OCEAN ENGINEERING SDN. BHD.

70.00

29/03/2013

 

 

 

 

 

011100

INDONESIA

PT PFCE INDONESIA

51.00

31/12/2011

 

 

 

 

 

431255D

MALAYSIA

PFCE PLANT TURNAROUND AND SERVICES SDN. BHD.

51.00

29/03/2013

 

 

 

 

 

 

 

 

DIRECTORS



DIRECTOR 1

 

Name Of Subject

:

MR. AZMAN BIN MOHD

Address

:

19, LORONG 3/1A, TAMAN MELOR, MALAYSIA.

IC / PP No

:

A0369602

New IC No

:

660408-10-5601

Date of Birth

:

08/04/1966

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

01/10/2002

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

MR. ABDUL MALEK BIN OMAR

Address

:

11A, JALAN USJ 18/3A, 47630 SUBANG JAYA, SELANGOR, MALAYSIA.

IC / PP No

:

6252172

New IC No

:

610726-04-5469

Date of Birth

:

26/07/1961

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

30/08/1999

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

MR. MUAMMAR GADAFFI BIN ABU TALIB

Address

:

21, JALAN 16/6, 46350 PETALING JAYA, SELANGOR, MALAYSIA.

IC / PP No

:

A3330090

New IC No

:

751211-02-5951

Date of Birth

:

11/12/1975

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

05/03/2009

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 4

 

Name Of Subject

:

DATO' ABU TALIB BIN MOHAMED

Address

:

21, JALAN 16/6, 46350 PETALING JAYA, SELANGOR, MALAYSIA.

IC / PP No

:

0736052

New IC No

:

480823-01-5445

Date of Birth

:

23/08/1948

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

07/11/2005

 

 

 

 

 

 

 

 

 

 

 

 



MANAGEMENT

 

 

 

1)

Name of Subject

:

ABU TALIB BIN MOHAMED

 

Position

:

MANAGING DIRECTOR

 

 

 

 

 

 

AUDITOR

 

Auditor

:

CROWE HORWATH

Auditor' Address

:

TOWER C, MEGAN AVENUE II, 12, JALAN YAP KWAN SENG, LEVEL 16, 50450 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MS. FARAH DIBA BINTI ABU TALIB

 

 

 

 

 

New IC No

:

780610-10-5708

 

Address

:

21, JALAN 16/6, 46350 PETALING JAYA, SELANGOR, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

2)

Company Secretary

:

MS. CHAN LAI CHOON

 

IC / PP No

:

5015784

 

New IC No

:

560815-08-6614

 

Address

:

80, PERSIARAN ZAABA, TAMAN TUN DR ISMAIL, 60000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

MALAYAN BANKING BHD

 

 

 

 

 

 

 

 

 

2)

Name

:

BANK ISLAM MALAYSIA BHD

 

 

 

 

 

 

 

 

 

3)

Name

:

CIMB BANK BHD

 

 

 

 

 

 

 

 

 

4)

Name

:

BANK MUAMALAT MALAYSIA BHD

 

 

 

 

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

1

02/07/2003

N/A

MALAYAN BANKING BERHAD

MYR 500,000.00

Satisfied

2

06/01/2004

N/A

BANK ISLAM MALAYSIA BERHAD

MYR 3,625,427.57

Unsatisfied

3

07/07/2004

N/A

BUMIPUTRACOMMERCE BANK BERHAD

MYR 4,300,000.00

Satisfied

4

10/09/2004

N/A

MALAYAN BANKING BERHAD

N/A

Unsatisfied

5

29/10/2004

N/A

BANK ISLAM MALAYSIA BERHAD

MYR 3,467,726.31

Unsatisfied

6

15/05/2008

DEBENTURE

BANK MUAMALAT MALAYSIA BHD

MYR 4,327,320.48

Unsatisfied

7

22/05/2008

MEMO OF DEPOSIT

BANK ISLAM MALAYSIA BHD

MYR 28,785,000.00

Unsatisfied

8

26/09/2008

THE FACILITY AGREEMENT, THE 2ND DEBENTURE, THE ASSIGNMENT OF CONTRACT PAYMENTS, THE MEMO OF DEPOSIT OF FIXED DEPOSIT RECEIPT & LETTER OF SETOFF

MALAYAN BANKING BHD

MYR 33,000,000.00

Unsatisfied

9

31/07/2009

N/A

MALAYAN BANKING BHD

N/A

Satisfied

10

31/07/2009

N/A

MALAYAN BANKING BHD

MYR 179,500,000.00

Satisfied

11

02/11/2010

DEED ASSIGNMENT

MALAYAN BANKING BHD

MYR 160,400,000.00

Unsatisfied

12

02/11/2010

DEED OF ASSIGNMENT

MALAYAN BANKING BHD

MYR 160,400,000.00

Unsatisfied

13

02/11/2010

MEMORANDUM OF DEPOSIT

MALAYAN BANKING BHD

MYR 160,400,000.00

Unsatisfied

14

28/01/2011

DEED OF ASSIGNMENT

MAYBANK ISLAMIC BERHAD

MYR 30,349,010.66

Satisfied

15

28/01/2011

MEMORANDUM OF DEPOSIT

MAYBANK ISLAMIC BERHAD

MYR 30,349,010.66

Satisfied

16

20/05/2011

N/A

MALAYAN BANKING BHD

MYR 25,000,000.00

Unsatisfied

17

20/05/2011

N/A

MALAYAN BANKING BHD

MYR 25,000,000.00

Unsatisfied

18

20/05/2011

N/A

MALAYAN BANKING BHD

MYR 58,000,000.00

Unsatisfied

19

20/05/2011

N/A

MALAYAN BANKING BHD

MYR 58,000,000.00

Unsatisfied

20

08/07/2011

N/A

MAYBANK ISLAMIC BERHAD

MYR 6,107,219.94

Unsatisfied

21

12/08/2011

N/A

BANK ISLAM MALAYSIA BHD

MYR 46,558,000.00

Unsatisfied

22

12/08/2011

N/A

BANK ISLAM MALAYSIA BHD

MYR 46,558,000.00

Unsatisfied

23

03/01/2012

N/A

MALAYAN BANKING BHD

MYR 10,000,000.00

Unsatisfied

24

04/04/2012

N/A

BANK ISLAM MALAYSIA BHD

MYR 13,000,000.00

Unsatisfied

25

02/05/2012

N/A

BANK ISLAM MALAYSIA BHD

MYR 23,000,000.00

Unsatisfied

26

11/07/2012

DEAD OF ASSIGNMENT OF CONTRACT PROCEEDS

BANK ISLAM MALAYSIA BERHAD

MYR 96,000,000.00

Unsatisfied

27

11/07/2012

DEED OF DEBENTURE

BANK ISLAM MALAYSIA BERHAD

MYR 96,000,000.00

Unsatisfied

28

11/07/2012

MEMORANDUM OF DEPOSIT OF INVESTMENT ACCOUNT CERTIFICATE

BANK ISLAM MALAYSIA BERHAD

MYR 96,000,000.00

Unsatisfied

 

 

LEGAL CHECK AGAINST SC


* A check has been conducted in our databank against the SC whether the subject has been involved in any litigation. Our databank consists of 99% of the wound up companies in Malaysia.

No legal action was found in our databank. 

No winding up petition was found in our databank. 

DEFAULTER CHECK AGAINST SC


* We have checked through the SC in our defaulters' database which comprised of debtors that have been blacklisted by our customers and debtors that have been placed or assigned to us for collection since 1990. Information was provided by third party where the debt amount can be disputed. Please check with creditors for confirmation as alleged debts may have been paid since recorded or are being disputed. 

No blacklisted record & debt collection case was found in our defaulters' databank. 

PAYMENT RECORD

 

 

 

SOURCES OF RAW MATERIALS:

Local

:

YES

Overseas

:

YES

 

 

 




The SC refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

 

]

 

Good 31-60 Days

[

 

]

 

Average 61-90 Days

[

 

]

 

Fair 91-120 Days

[

X

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 



CLIENTELE

 

Local

:

YES

Percentage

:

100%

Domestic Markets

:

MALAYSIA

Overseas

:

NO

 

 

 

 

 

 

 

 

 

Credit Term

:

AS AGREED

 

 

 

 

 

 

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

Type of Customer

:

OIL & GAS INDUSTRIES,PETROCHEMICAL INDUSTRIES

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATIONS

 

Services

:

OIL & GAS ENGINEERING

 

 

 

 

Award

:

1 ) MS ISO 9001 : 2000 Year :2004
2 ) THE MALAYSIAN LABORATORY ACCREDITATION BY THE MALAYSIAN DEPARTMENT OF STANDARDS Year :0

 

 

 

 

 

Member(s) / Affiliate(s)

:

MALAYSIA EXTERNAL TRADE DEVELOPMENT CORPORATION (MATRADE)

 

 

 

Ownership of premises

:

OWNED

 

 

Total Number of Employees:

 

YEAR

2013

2012

2011

 

GROUP

N/A

N/A

N/A

 

 

 

 

 

 

COMPANY

150

130

130

 

 

 

 

 

 

 

Branch

:

YES

 

Other Information:


The SC is principally engaged in the (as a / as an) provision of oil & gas engineering work. 

The SC has established itself as one of the leading players in the Malaysian Oil & Gas Industry. Well entrenched in both upstream and downstream aspects of the business.

The SC has proven its commitment and quality of work through the award of some 15 Price Agreements (PAs) or long-term contracts of maintenance works with various subsidiaries of the Petronas Group of Companies. These PAs range from Mechanical Works to Plant Turnarounds and include some of Petronas Groups' major facilities such as Petronas Gas Berhad, Malaysia LNG and also Petronas Carigali.

With dedicated facilities for various activities, the SC has emerged as the leading "Engineering Services Supermarket" with integrated facilities for a wide range of services. 

The SC has been continuously improving its services through strategic partnerships and alliances in bringing forth new technological solutions to its customers. 

The services that the SC is able to undertake in-house include the following:

* Project & Turnaround Management Services
* Plant Engineering Services
* Plant Maintenance Services
* Fabrication, Machining & Mechanical Services
* Electrical and Instrumentation (E&I) and Automation Engineering Services
* Chemicals Supplies Services (Process & Water Treatment Plant (WTP), Marine/Offshore)

Besides that the SC also provides others services as follows:-

* Crane Services
* Water Engineering
* Valve & Rotating Machineries
* Flame Spray Coating Technology
* Foundry & Casting Works
* Marine Support Services & SBM Maintenance

The SC also provides OEM Service as well as Design Service for its customers. 


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the SC indicated that :

Telephone Number Provided By Client

:

+306 2772 8777

Current Telephone Number

:

03-27728777

Match

:

NO

 

 

 

Address Provided by Client

:

LEVEL 22 MAJU TOWER 1001 JALAN SULTAN ISMAIL 50250 KUALA LUMPUR MALAYSIA

Current Address

:

MAJU TOWER, 1001 JALAN SULTAN ISMAIL, LEVEL 22, 50250 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

Match

:

YES

 

 

 

Latest Financial Accounts

:

YES

 

Other Investigations


we contacted one of the staff from the SC and she provided some information on the SC.


FINANCIAL ANALYSIS

 

Profitability

 

 

 

 

 

 

Turnover

:

Erratic

[

2007 - 2011

]

 

Profit/(Loss) Before Tax

:

Increased

[

2007 - 2011

]

 

Return on Shareholder Funds

:

Favourable

[

33.32%

]

 

Return on Net Assets

:

Favourable

[

47.15%

]

 

 

 

 

 

 

 

 

The fluctuating turnover reflects the fierce competition among the existing and new market players.The higher profit could be attributed to the increase in turnover. Generally the SC was profitable. The favourable return on shareholders' funds and return on net assets indicate that the SC's management was efficient in utilising the assets to generate returns.

 

 

 

 

 

 

 

Working Capital Control

 

 

 

 

 

 

Stock Ratio

:

Favourable

[

0 Days

]

 

Debtor Ratio

:

Favourable

[

44 Days

]

 

Creditors Ratio

:

Unfavourable

[

92 Days

]

 

 

 

 

 

 

 

 

The SC's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in stocks. The favourable debtors' days could be due to the good credit control measures implemented by the SC. The unfavourable creditors' ratio could be due to the SC taking advantage of the credit granted by its suppliers. However this may affect the goodwill between the SC and its suppliers and the SC may inadvertently have to pay more for its future supplies.

 

 

 

 

 

 

 

Liquidity

 

 

 

 

 

 

Liquid Ratio

:

Favourable

[

1.13 Times

]

 

Current Ratio

:

Unfavourable

[

1.13 Times

]

 

 

 

 

 

 

 

 

A minimum liquid ratio of 1 should be maintained by the SC in order to assure its creditors of its ability to meet short term obligations and the SC was in a good liquidity position. Thus, we believe the SC is able to meet all its short term obligations as and when they fall due.

 

 

 

 

 

 

 

Solvency

 

 

 

 

 

 

Interest Cover

:

Favourable

[

17.62 Times

]

 

Gearing Ratio

:

Unfavourable

[

1.01 Times

]

 

 

 

 

 

 

 

 

The interest cover showed that the SC was able to service the interest. The favourable interest cover could indicate that the SC was making enough profit to pay for the interest accrued. The SC was highly geared, thus it had a high financial risk. The SC was dependent on loans to finance its business needs. In times of economic downturn and / or high interest rate, the SC will become less profitable and competitive than other firms in the same industry, which are lowly geared. This is because the SC has to service the interest and to repay the loan, which will erode part of its profits. The profits will fluctuate depending on the SC's turnover and the interest it needs to pay.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overall Assessment :

 

 

 

 

 

 

Although the turnover was erratic, the SC had maintained a steady growth in its profit. This indicate the management's efficiency in controlling its costs and profitability. The SC was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the SC should be able to repay its short term obligations. With the favourable interest cover, the SC could be able to service all the accrued interest without facing any difficulties. The SC's gearing level was high and its going concern will be in doubt if there is no injection of additional shareholders' funds in times of economic downturn and / or high interest rates.

 

 

 

 

 

 

 

Overall financial condition of the SC : STABLE

 

 

 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2009

2010

2011

2012*

2013**

 

 

 

 

 

 

Population ( Million)

28.13

28.35

28.70

29.30

29.80

Gross Domestic Products ( % )

<0.5>

7.2

5.1

5.6

5.3

Domestic Demand ( % )

2.9

6.3

8.2

9.4

5.6

Private Expenditure ( % )

<2.7>

8.1

8.2

8.0

7.4

Consumption ( % )

0.7

6.7

7.1

1.0

5.7

Investment ( % )

<17.2>

17.7

12.2

11.7

13.3

Public Expenditure ( % )

5.2

3.8

8.4

13.3

1.2

Consumption ( % )

3.1

0.2

16.1

11.3

<1.2>

Investment ( % )

8.0

2.8

<0.3>

15.9

4.2

 

 

 

 

 

 

Balance of Trade ( MYR Million )

89,650

118,356

116,058

106,300

110,700

Government Finance ( MYR Million )

<28,450>

<40,482>

<45,511>

<42,297>

<39,993>

Government Finance to GDP / Fiscal Deficit ( % )

<4.8>

<5.6>

<5.4>

<4.5>

<4.0>

Inflation ( % Change in Composite CPI)

<5.2>

5.1

3.1

1.6

2.5

Unemployment Rate

4.5

3.9

3.3

3.2

3.0

 

 

 

 

 

 

Net International Reserves ( MYR Billion )

331

329

415

427

-

Average Risk-Weighted Capital Adequacy Ratio ( % )

2.87

2.20

3.50

2.20

-

Average 3 Months of Non-performing Loans ( % )

11.08

15.30

14.80

14.70

-

Average Base Lending Rate ( % )

5.53

6.30

6.60

6.53

-

Business Loans Disbursed( % )

10.5

14.7

15.3

32.2

-

Foreign Investment ( MYR Million )

22,156.8

22,517.9

23,546.1

26,230.4

-

Consumer Loans ( % )

-

-

-

-

-

 

 

 

 

 

 

Registration of New Companies ( No. )

41,578

44,148

45,455

45,441

-

Registration of New Companies ( % )

<0.1>

6.2

3.0

<0.0>

-

Liquidation of Companies ( No. )

39,075

25,585

132,476

-

-

Liquidation of Companies ( % )

39.6

<34.5>

417.8

-

-

 

 

 

 

 

 

Registration of New Business ( No. )

312,581

271,414

284,598

324,761

-

Registration of New Business ( % )

-

-

-

-

-

Business Dissolved ( No. )

19,345

19,738

20,121

-

-

Business Dissolved ( % )

2.4

2.0

1.9

-

-

 

 

 

 

 

 

Sales of New Passenger Cars (' 000 Unit )

486.3

543.6

535.1

552.2

-

Cellular Phone Subscribers ( Million )

30.1

32.8

35.3

38.5

-

Tourist Arrival ( Million Persons )

23.6

24.6

24.7

25.0

-

Hotel Occupancy Rate ( % )

58.0

63.0

60.6

62.4

-

 

 

 

 

 

 

Credit Cards Spending ( % )

12.8

14.1

15.6

12.6

-

Bad Cheque Offenders (No.)

36,667

33,568

32,627

26,982

-

Individual Bankruptcy ( No.)

16,228

18,119

19,167

19,575

-

Individual Bankruptcy ( % )

16.7

11.7

5.8

2.1

-

 

 

 

 

 

 


INDUSTRIES ( % of Growth ):

2009

2010

2011

2012*

2013**

 

 

 

 

 

 

Agriculture

0.4

2.1

5.9

0.6

2.4

Palm Oil

<1.1>

<3.4>

10.8

<2.8>

-

Rubber

<19.8>

9.9

6.1

<0.6>

-

Forestry & Logging

<5.9>

<3.3>

<7.6>

<2.2>

-

Fishing

5.5

5.6

2.1

<0.7>

-

Other Agriculture

9.0

7.9

7.1

6.4

-

Industry Non-Performing Loans ( MYR Million )

413.7

508.4

634.1

-

-

% of Industry Non-Performing Loans

1.3

2.1

3.2

-

-

 

 

 

 

 

 

Mining

<3.8>

0.2

<5.7>

1.5

2.7

Oil & Gas

2.1

0.5

<1.7>

-

-

Other Mining

-

-

-

-

-

Industry Non-performing Loans ( MYR Million )

44.2

49.7

46.5

-

-

% of Industry Non-performing Loans

0.1

0.1

0.1

-

-

 

 

 

 

 

 

Manufacturing #

<9.4>

11.4

4.7

4.2

4.9

Exported-oriented Industries

<19.0>

12.1

2.8

4.1

-

Electrical & Electronics

<30.3>

28.4

<4.9>

1.6

-

Rubber Products

<10.1>

25.3

15.4

3.6

-

Wood Products

<24.1>

20.1

<4.9>

4.6

-

Textiles & Apparel

<19.5>

<0.4>

14.8

<7.1>

-

Domestic-oriented Industries

<9.8>

16.3

6.5

8.6

-

Food, Beverages & Tobacco

0.2

3.0

4.2

-

-

Chemical & Chemical Products

<7.7>

16.2

5.5

9.9

-

Plastic Products

<9.1>

2.4

3.8

-

-

Iron & Steel

<32.7>

29.3

2.4

-

-

Fabricated Metal Products

<2.5>

14.9

25.2

-

-

Non-metallic Mineral

<15.5>

20.2

27.1

6.6

-

Transport Equipment

<13.5>

36.5

<10.4>

13.7

-

Paper & Paper Products

<5.0>

18.7

14.8

<7.8>

-

Crude Oil Refineries

0.2

<11.4>

9.3

-

-

Industry Non-Performing Loans ( MYR Million )

6,007.3

6,217.5

6,537.2

-

-

% of Industry Non-Performing Loans

18.3

23.8

25.7

-

-

 

 

 

 

 

 

Construction

5.8

5.1

4.4

15.5

11.2

Industry Non-Performing Loans ( MYR Million )

3,241.8

4,038.5

3,856.9

-

-

% of Industry Non-Performing Loans

9.9

10.7

10.2

-

-

 

 

 

 

 

 

Services

2.6

6.5

6.4

5.5

5.6

Electric, Gas & Water

0.4

8.5

5.6

4.8

-

Transport, Storage & Communication

1.6

7.7

6.5

7.3

-

Wholesale, Retail, Hotel & Restaurant

2.8

4.7

5.2

6.9

-

Finance, Insurance & Real Estate

3.8

6.1

6.3

6.5

-

Government Services

2.0

6.7

7.6

5.6

-

Other Services

4.4

4.2

5.4

5.7

-

Industry Non-Performing Loans ( MYR Million )

6,631.3

7,384.6

6,825.2

-

-

% of Industry Non-Performing Loans

20.2

25.7

23.4

-

-

 

 

 

 

 

 

 

 

 

 

 

 

* Estimate / Preliminary

 

 

 

 

 

** Forecast

 

 

 

 

 

# Based On Manufacturing Production Index 
(Source : Department of Statistics / Economic Report / Bank Negara Report)

 

 

 

 

 

 

 

INDUSTRY ANALYSIS

 

MSIC CODE

77306 : Renting and operational leasing of construction and civil-engineering machinery and equipment without operator 

 

 

INDUSTRY :

BUSINESS SERVICES

 

 

 

The services sector is expected to continue playing an important role in driving the malaysia economy. The services activity might slow down going forward, considering that at the global level, the services sector has already taken some hits. The sector's output expansion was the weakest in the 2010 to 2012 growth period.

 

The services sector is projected to continue to drive growth in 2012. Growth will be supported by consumer-related sub-sectors, which is likely to cushion the effects of slower trade-related activity during the year 2012. In the wholesale and retail service sub-sector, growth will be led by the retail segment, in line with the trend in private consumption. However, growth in the wholesale services expected to be lower. Growth in the finance and insurance sub-sector is expected to remain firm, supported by bank lending activity. In the insurance segment, growth is expected to emanate from the general insurance business, following favourable motor vehicle sales and the implementation of the new motor cover framework which will enhance efficiency in the motor insurance and takaful sector.

 

Growth in the communication sub-sector is projected to be sustained, amidst margin compression resulting from rising competition among service providers. Growth will be supported by the expected launch of advanced wireless technology, the ongoing widening of the High-Speed Broadband (HSBB) infrastructure and Government initiatives to promote broadband services nationwide. In the year 2012, Communication service sector expanded to 9.3% propelled by the higher consumption in mobile phone services and data communication. Meanwhile, growth in the transport and storage sub-sector is anticipated to moderate, amidst the uncertain external outlook. Malaysia’s banking sector had seen quite an overhaul in the past decade and was now a model of stability. While it seemed likely that the international situation would slow lending somewhat in 2012, it would still rise at a respectable rate, and the long-term path should see further growth and reform.

 

In year 2012, Services sector recorded a growth of 5.8% underpinned by Wholesale & Retail and Communication. The growth of 5.7% in Wholesale & Retail Trade service was supported by the expansion in retail segment particularly in household appliances & equipments, pharmaceutical products and personal care products services.

 

Accroding to Ministry of Finance, the services sector are expected to remain upbeat in 2013, with the accelerated implementation with major initiatives under the National Key Result Areas and continued investment in the seven services subsectors under the National Key Economic Areas. It said that these initiatives are expected to drive the wholesale and retail trade, finance and insurance, and communication subsectors, which are expected to grow 6.8%, 5.2% and 8.2% respectively.

 

The Business Services sector is a key one which continues to accelerate changes within specialised areas in many developed nations and consequently drive higher economic growth and greater efficiency. According to the Minister of Human Resource, the Business Services sector has a unique role to play in driving the competitiveness of a wide range of business segments, industries and professional services. Therefore, the Malaysian business services sector is on track to contribute RM78.7 billion to the gross national income (GNP) by 2020. The growth of the service sector are also expected to create 107,000 new jobs by 2020.

 

Malaysian government has used various measures to promote the development of its service industries. Policies pursued by the government of Malaysia in promoting consolidation within the banking sector, encouraging the development of private hospitals, and investing in port facilities could seek to strengthen the industries. The Malaysian government has liberalized some barriers to the foreign provision of services, and recent liberalization could result in an increase of contribution of services sector to the economy growth of the country.

 

 

OVERALL INDUSTRY OUTLOOK : Average Growth

 

CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 1993, the SC is a Private Limited company, focusing on provision of oil & gas engineering work. With its long establishment in the market, the SC has received strong support from its stable customers base. Its business position in the market is quite stable and it is expected to enjoy better market shares over its rivals. The SC is a large entity with strong capital position. We are confident with the SC's business and its future growth prospect. 

Information revealed that the SC solely focuses on domestic market rather than overseas market. We believe that this narrow market segment would limit the SC's business opportunities and the SC is likely to be affected by the uncertainties in local economy. However, its long presence in the market has enabled the SC to gain certain market shares and established good rapport with its clients. Thus, its business risk is diversified. The SC is a fairly large and rapidly growing company with over 150 staff in its operations. The SC has a good management capability. Its capable management team has enabled the SC to keep its business on going. Hence, the future prospect of the SC is bright. 

Despite the lower turnover, the SC's pre-tax profit have increased compared to the previous year. The higher profit could be due to better control of its operating costs and efficiency in utilising its resources. Based on the higher profitability, the SC has generated a favourable return based on its existing shareholders' funds which indicated that the management was efficient in utilising its funds to generate income. The SC is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. The high gearing ratio clearly implied that the SC was supported by more debt than equity. Nevertheless, given a positive net worth standing at MYR 87,125,000, the SC should be able to maintain its business in the near terms. 

Having a strong assets backing, the SC possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises. The SC's supplier are from both the local and overseas countries. This will eliminates the risk of dependency on deliveries from a number of key suppliers and insufficient quantities of its raw materials. Overall the SC has a good control over its resources. 

The SC's overall payment habit is fair and this clearly implied a weak credit control of the SC. 

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the SC is expected to benefit from the favourable outlook of the industry. 

Based on the above condition, we recommend credit be granted to the SC promptly.

 


PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH MALAYSIAN FINANCIAL REPORTING STANDARDS(FRS)

PFC ENGINEERING SDN. BHD.

 

Financial Year End

2011-12-31

2010-12-31

2009-12-31

2008-12-31

2007-12-31

Months

12

12

12

12

12

Consolidated Account

GROUP

GROUP

GROUP

GROUP

GROUP

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

FULL

Currency

MYR

MYR

MYR

MYR

MYR

 

 

 

 

 

 

TURNOVER

381,610,000

458,691,000

402,148,000

139,114,000

87,902,000

Other Income

1,687,000

6,938,000

-

-

-

 

----------------

----------------

----------------

----------------

----------------

Total Turnover

383,297,000

465,629,000

402,148,000

139,114,000

87,902,000

Costs of Goods Sold

<282,317,000>

<403,087,000>

-

-

-

 

----------------

----------------

----------------

----------------

----------------

Gross Profit

100,980,000

62,542,000

-

-

-

 

----------------

----------------

----------------

----------------

----------------

 

 

 

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

47,760,000

25,250,000

18,298,000

4,392,000

<8,982,000>

SHARE OF PROFITS/(LOSSES) OF ASSOCIATED COMPANIES

<814,000>

-

-

-

-

 

----------------

----------------

----------------

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

46,946,000

25,250,000

18,298,000

4,392,000

<8,982,000>

Taxation

<16,887,000>

<7,082,000>

<4,313,000>

<21,000>

<410,000>

 

----------------

----------------

----------------

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

30,059,000

18,168,000

13,985,000

4,371,000

<9,392,000>

Minority interests

<1,033,000>

<589,000>

31,000

1,000

-

 

----------------

----------------

----------------

----------------

----------------

PROFIT/(LOSS) BEFORE EXTRAORDINARY ITEMS

29,026,000

17,579,000

14,016,000

4,372,000

<9,392,000>

 

----------------

----------------

----------------

----------------

----------------

PROFIT/(LOSS) ATTRIBUTABLE TO SHAREHOLDERS

29,026,000

17,579,000

14,016,000

4,372,000

<9,392,000>

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

 

 

 

As previously reported

45,823,000

28,244,000

14,228,000

9,856,000

19,248,000

 

----------------

----------------

----------------

----------------

----------------

As restated

45,823,000

28,244,000

14,228,000

9,856,000

19,248,000

 

----------------

----------------

----------------

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

74,849,000

45,823,000

28,244,000

14,228,000

9,856,000

TRANSFER TO RESERVES - General

2,300,000

-

-

-

-

 

----------------

----------------

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

77,149,000

45,823,000

28,244,000

14,228,000

9,856,000

 

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

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

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

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

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

 

 

 

 

 

 

INTEREST EXPENSE (as per notes to P&L)

 

 

 

 

 

Bank overdraft

2,419,000

820,000

333,000

14,000

20,000

Bankers' acceptance

67,000

-

-

-

-

Hire purchase

252,000

161,000

32,000

22,000

18,000

Term loan / Borrowing

36,000

327,000

-

-

-

Trust receipts

51,000

-

1,000

97,000

69,000

Others

-

145,000

191,000

336,000

233,000

 

----------------

----------------

----------------

----------------

----------------

 

2,825,000

1,453,000

557,000

469,000

340,000

 

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

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

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

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

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

 

 

 

BALANCE SHEET

 

 

PFC ENGINEERING SDN. BHD.

 

ASSETS EMPLOYED:

 

 

 

 

 

FIXED ASSETS

57,852,000

23,115,000

15,240,000

10,878,000

10,259,000

 

 

 

 

 

 

LONG TERM INVESTMENTS/OTHER ASSETS

 

 

 

 

 

Associated companies

15,035,000

-

-

-

-

Investments

30,000

30,000

87,000

87,000

-

Deferred assets

1,485,000

-

-

-

-

 

----------------

----------------

----------------

----------------

----------------

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

16,550,000

30,000

87,000

87,000

-

 

 

 

 

 

 

INTANGIBLE ASSETS

 

 

 

 

 

Goodwill on consolidation

3,847,000

191,000

191,000

191,000

191,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL INTANGIBLE ASSETS

3,847,000

191,000

191,000

191,000

191,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL LONG TERM ASSETS

78,249,000

23,336,000

15,518,000

11,156,000

10,450,000

 

 

 

 

 

 

CURRENT ASSETS

 

 

 

 

 

Stocks

2,000

56,000

111,000

31,000

260,000

Trade debtors

46,146,000

59,100,000

74,963,000

12,930,000

13,865,000

Other debtors, deposits & prepayments

16,952,000

9,581,000

4,808,000

4,693,000

4,869,000

Short term deposits

50,446,000

29,956,000

18,388,000

7,976,000

4,776,000

Amount due from related companies

11,733,000

23,698,000

30,798,000

27,180,000

25,965,000

Amount due from associated companies

550,000

883,000

987,000

875,000

835,000

Amount due from director

15,660,000

346,000

45,000

602,000

-

Cash & bank balances

50,077,000

76,086,000

67,112,000

9,793,000

2,282,000

Amount owing by customer

52,086,000

14,841,000

-

-

-

Others

89,000

98,000

61,114,000

22,402,000

8,159,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL CURRENT ASSETS

243,741,000

214,645,000

258,326,000

86,482,000

61,011,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL ASSET

321,990,000

237,981,000

273,844,000

97,638,000

71,461,000

 

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

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

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

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

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

 

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

 

Trade creditors

70,779,000

68,941,000

48,748,000

21,272,000

15,056,000

Other creditors & accruals

18,179,000

14,581,000

61,631,000

12,389,000

3,710,000

Hire purchase & lease creditors

1,629,000

920,000

553,000

245,000

109,000

Bank overdraft

49,584,000

28,078,000

47,260,000

6,030,000

446,000

Short term borrowings/Term loans

2,137,000

208,000

206,000

-

-

Other borrowings

-

-

19,049,000

450,000

615,000

Bill & acceptances payable

18,481,000

910,000

19,863,000

7,876,000

4,894,000

Amounts owing to related companies

4,569,000

11,799,000

21,733,000

21,387,000

18,266,000

Amounts owing to director

2,091,000

852,000

1,479,000

50,000

50,000

Provision for taxation

32,270,000

18,102,000

11,480,000

7,009,000

7,909,000

Other liabilities

16,720,000

32,583,000

471,000

431,000

4,855,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL CURRENT LIABILITIES

216,439,000

176,974,000

232,473,000

77,139,000

55,910,000

 

----------------

----------------

----------------

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

27,302,000

37,671,000

25,853,000

9,343,000

5,101,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL NET ASSETS

105,551,000

61,007,000

41,371,000

20,499,000

15,551,000

 

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

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

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

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

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

 

 

 

 

 

 

SHARE CAPITAL

 

 

 

 

 

Ordinary share capital

10,000,000

10,000,000

10,000,000

5,000,000

5,000,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL SHARE CAPITAL

10,000,000

10,000,000

10,000,000

5,000,000

5,000,000

 

 

 

 

 

 

RESERVES

 

 

 

 

 

Exchange equalisation/fluctuation reserve

53,000

-

-

-

-

Retained profit/(loss) carried forward

77,149,000

45,823,000

28,244,000

14,228,000

9,856,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL RESERVES

77,202,000

45,823,000

28,244,000

14,228,000

9,856,000

 

 

 

 

 

 

MINORITY INTEREST

<77,000>

1,648,000

780,000

522,000

523,000

 

----------------

----------------

----------------

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

87,125,000

57,471,000

39,024,000

19,750,000

15,379,000

 

 

 

 

 

 

LONG TERM LIABILITIES

 

 

 

 

 

Long term loans

12,143,000

665,000

385,000

-

-

Hire purchase creditors

4,399,000

2,871,000

1,962,000

749,000

172,000

Deferred taxation

1,884,000

-

-

-

-

 

----------------

----------------

----------------

----------------

----------------

TOTAL LONG TERM LIABILITIES

18,426,000

3,536,000

2,347,000

749,000

172,000

 

----------------

----------------

----------------

----------------

----------------

 

105,551,000

61,007,000

41,371,000

20,499,000

15,551,000

 

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

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

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

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

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

 

 

FINANCIAL RATIO

 

 

PFC ENGINEERING SDN. BHD.

 

TYPES OF FUNDS

 

 

 

 

 

Cash

100,523,000

106,042,000

85,500,000

17,769,000

7,058,000

Net Liquid Funds

32,458,000

77,054,000

18,377,000

3,863,000

1,718,000

Net Liquid Assets

27,300,000

37,615,000

25,742,000

9,312,000

4,841,000

Net Current Assets/(Liabilities)

27,302,000

37,671,000

25,853,000

9,343,000

5,101,000

Net Tangible Assets

101,704,000

60,816,000

41,180,000

20,308,000

15,360,000

Net Monetary Assets

8,874,000

34,079,000

23,395,000

8,563,000

4,669,000

BALANCE SHEET ITEMS

 

 

 

 

 

Total Borrowings

88,373,000

33,652,000

89,278,000

15,350,000

6,236,000

Total Liabilities

234,865,000

180,510,000

234,820,000

77,888,000

56,082,000

Total Assets

321,990,000

237,981,000

273,844,000

97,638,000

71,461,000

Net Assets

105,551,000

61,007,000

41,371,000

20,499,000

15,551,000

Net Assets Backing

87,125,000

57,471,000

39,024,000

19,750,000

15,379,000

Shareholders' Funds

87,125,000

57,471,000

39,024,000

19,750,000

15,379,000

Total Share Capital

10,000,000

10,000,000

10,000,000

5,000,000

5,000,000

Total Reserves

77,202,000

45,823,000

28,244,000

14,228,000

9,856,000

LIQUIDITY (Times)

 

 

 

 

 

Cash Ratio

0.46

0.60

0.37

0.23

0.13

Liquid Ratio

1.13

1.21

1.11

1.12

1.09

Current Ratio

1.13

1.21

1.11

1.12

1.09

WORKING CAPITAL CONTROL (Days)

 

 

 

 

 

Stock Ratio

0

0

0

0

1

Debtors Ratio

44

47

68

34

58

Creditors Ratio

92

62

44

56

63

SOLVENCY RATIOS (Times)

 

 

 

 

 

Gearing Ratio

1.01

0.59

2.29

0.78

0.41

Liabilities Ratio

2.70

3.14

6.02

3.94

3.65

Times Interest Earned Ratio

17.62

18.38

33.85

10.36

<25.42>

Assets Backing Ratio

10.17

6.08

4.12

4.06

3.07

PERFORMANCE RATIO (%)

 

 

 

 

 

Operating Profit Margin

12.30

5.50

4.55

3.16

<10.22>

Net Profit Margin

7.61

3.83

3.49

3.14

<10.68>

Return On Net Assets

47.15

43.77

45.58

23.71

<55.57>

Return On Capital Employed

31.00

29.07

20.91

17.68

<51.38>

Return On Shareholders' Funds/Equity

33.32

30.59

35.92

22.14

<61.07>

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

0.00

0.00

NOTES TO ACCOUNTS

 

 

 

 

 

Contingent Liabilities

0

0

0

0

0



FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.68.36

UK Pound

1

Rs.106.03

Euro

1

Rs.91.47

 

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

----

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.