MIRA INFORM REPORT

 

 

Report Date :

05.12.2013

 

IDENTIFICATION DETAILS

 

Name :

COMORES TELECOM

 

 

Registered Office :

Place De France Moroni

 

 

Country :

Comoros

 

 

Date of Incorporation :

12.02.2004

 

 

Com. Reg. No.:

2790-B-05

 

 

Legal Form :

Limited Corporation 

 

 

Line of Business :

providers of telecommunications and IT services and solutions

 

 

No. of Employees :

1200

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

TATUS

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 – September 30th, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

Comoros

C2

C2

 

Risk Category

ECGC Classification

 

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

Comoros ECONOMIC OVERVIEW

 

One of the world's poorest countries, Comoros is made up of three islands that have inadequate transportation links, a young and rapidly increasing population, and few natural resources. The low educational level of the labor force contributes to a subsistence level of economic activity, high unemployment, and a heavy dependence on foreign grants and technical assistance. Agriculture, including fishing, hunting, and forestry, contributes 50% to GDP, employs 80% of the labor force, and provides most of the exports. Export income is heavily reliant on the three main crops of vanilla, cloves, and ylang-ylang; and Comoros' export earnings are easily disrupted by disasters such as fires. The country is not self-sufficient in food production; rice, the main staple, accounts for the bulk of imports. The government - which is hampered by internal political disputes - lacks a comprehensive strategy to attract foreign investment and is struggling to upgrade education and technical training, privatize commercial and industrial enterprises, improve health services, diversify exports, promote tourism, and reduce the high population growth rate. Political problems have inhibited growth, which averaged only about 1% in 2006-09 but more than 2% per year in 2010-12. Remittances from 150,000 Comorans abroad help supplement GDP. In September 2009 the IMF approved Comoros for a three-year $21 million loan, but the government has struggled to meet program targets, such as restricting spending on wages, strengthening domestic revenue collection, and moving forward on structural reforms. In December 2012, IMF and the World Bank's International Development Association supported $176 million in debt relief for Comoros, resulting in a 59% reduction of its future external debt service over a period of 40 years.

 

 

Source : CIA

 

 


SUBJECT'S NAME   

 

Registered Name:                                    COMORES TELECOM

Requested Name:                                    COMORES TELECOM

Other Names:                                          SOCIÉTÉ NATIONALE DES TÉLÉCOMMUNICATIONS DES

                                                              COMORES

 

 

ADDRESS AND TELECOMMUNICATION

 

Physical Address:                                   Place De France Moroni

Postal Address:                                       BP 7000,

                                                              Moroni

Country:                                                  Union De Comoros

Phone:                                                    269-7734300/44300

Fax:                                                       269-7731079

Email:                                                     comorestelecom@comorestelecom.km

Website:                                                 www.snpt.km

 

 

CREDIT OPINION

 

Financial Index as of December 2012 shows subject firm with a medium risk of credit. However, bank and credit information obtained reveal a history of prompt payments.

 

LEGAL

 

Legal Form:                                                      Limited Corporation 

Date Incorporated:                                            12-Feb-2004

Reg. Number:                                                   2790-B-05

Nominal Capital                                                KMF. 600,000,000

Subscribed Capital                                            KMF. 600,000,000

 

Subscribed Capital is Subscribed in the following form:

Position                                                          Shares

Mr. Abiamri Mahamoud                                     CEO                               

Mr. Thabit Mhadji                                              CFO                               

Mr. Amerdine Saadi                                          Director                           

Mr. Djamaldine Mtiti                                          Director                           

Mr. Said Bouhtane                                            Director                           

Mr. Ahmed Abdou                                             Director                           

Employee Scheme                                           Shareholder                      15%

Government Of Comoros                                   Shareholder                      34%

Private Investors                                               Shareholder                      51%

 

RELATED COMPANIES  

 

None                                                               Parent company.

None                                                               Subsidiary company.

None                                                               Affiliated company.

None                                                               Shareholder of subject firm.

In Comoros                                                      Branches of the firm

 

 

OPERATIONS

 

Registered to operate as providers of telecommunications and IT services and solutions

 

Imports:                                                           Asia, Europe

Exports:                                                           None

Trademarks:                                                     None

Terms of sale:                                                  Cash (40%) and 25-90 days (60%), invoices.

                                                                      

Main Customers:                                              firms and organizations  

Employees:                                                      1200 employees.

Vehicles:                                                         Several motor vehicles.

Territory of sales:                                              Comoros

Location:                                                          Owned premises, 10,000 square feet,

 

 

AUDITORS AND INSURANCE   

 

Auditors:                                                          Information not available.

Insurance Brokers:                                            Information not available.

                                                                      

 

FINANCE 

 

Currency Reported:                                           Comorian Franc (KMF.)

Approx. Ex. Rate:                                             1 US Dollar = 363.19 Comorian Franc

Fiscal Year End:                                               December 31, 2012

Inflation:                                                           According to information given by independent sources, the

                                                                       inflation at December 31st, 2012 was of 13%.

 

Financial Information not Submitted             

                                                                      

Profit and Loss (expressed in KMF.)

                                                                               2012

Sales                                                                       2,200,000,000

 


BANK 

 

Bank Name:                                                     Banque de Développement des Comores

Branch:                                                            Comoros

Comments:                                                      None

                                                                      

 

TRADE REFERENCES    

 

Experiences:                                                    Good

                                                                      

 

NOTARIAL BONDS   

 

None

 

 

COMMENTS / ADDITIONAL INFORMATION    

 

This information was obtained from outside sources other than the subject company itself and confirmed the above subject.


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.33

UK Pound

1

Rs.102.18

Euro

1

Rs.84.68

 

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.