MIRA INFORM REPORT

 

 

Report Date :

14.12.2013

 

IDENTIFICATION DETAILS

 

Name :

INVESA SA

 

 

Registered Office :

Cra. 48 No 26Sur-181 Loc. 314A, Envigado, Antioquia

 

 

Country :

Colombia.

 

 

Financials (as on) :

25.03.1958

 

 

Date of Incorporation :

31.12.2012

 

 

Legal Form :

Stock Company

 

 

Line of Business :

Manufacturer of agrochemical products, pesticides, adhesives and paints.

 

 

No. of Employees :

400

 

 

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)

Colombia.

 

 

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

COLOMBIA - ECONOMIC OVERVIEW

 

Colombia's consistently sound economic policies and aggressive promotion of free trade agreements in recent years have bolstered its ability to face external shocks. Real GDP has grown more than 4% per year for the past three years, continuing almost a decade of strong economic performance. All three major ratings agencies have upgraded Colombia's government debt to investment grade. Nevertheless, Colombia depends heavily on oil exports, making it vulnerable to a drop in oil prices. Economic development is stymied by inadequate infrastructure, weakened further by recent flooding. Moreover, the unemployment rate of 10.3% in 2012 is still one of Latin America's highest. The SANTOS Administration's foreign policy has focused on bolstering Colombia's commercial ties and boosting investment at home. The US-Colombia Free Trade Agreement (FTA) was ratified by the US Congress in October 2011 and implemented in 2012. Colombia has signed or is negotiating FTAs with a number of other countries, including Canada, Chile, Mexico, Switzerland, the EU, Venezuela, South Korea, Turkey, Japan, China, Costa Rica, Panama, and Israel. Foreign direct investment - notably in the oil and gas sectors - reached a record $10 billion in 2008 but dropped to $7.2 billion in 2009, before beginning to recover in 2010, and reached a record high of nearly $16 billion in 2012. Colombia is the third largest Latin American exporter of oil to the United States, and the United States' largest source of imported coal. Inequality, underemployment, and narcotrafficking remain significant challenges, and Colombia's infrastructure requires major improvements to sustain economic expansion

Source : CIA


REGISTERED NAME & COMPANY SUMMARY

 

IDENTIFICATION

COMPANY NAME

INVESA SA

TRADE NAME

PINTURAS SAPOLIN

TAX ID TYPE

NIT

TAX ID NUMBER

8909006523

CURRENT STATUS

Active

MAIN ADDRESS

Cra. 48 No 26Sur-181 Loc. 314A

CITY/PROVINCE/STATE

Envigado, Antioquia

PHONE NUMBER(S)

(57-4) 334.2727

FAX NUMBER

(57-4) 334.2595

E-MAIL

mcarrasco@invesa.com

WEB SITE

www.invesa.com

COMMENTS OF IDENTIFICATION.-

The Subject also uses the abbreviation for of TIENDAS DEL COLOR SAPOLIN. The supplied address: Planta Girardota Autopista Norte Km 24 Vereda La Plama, Girardota-Antioquia Nit 890900652-3, Colombia, is incorrect and mixed with the Tax Id. (NIT) of the company. Please be advised that the correct address is the one mention in caption.

 

LEGAL ASPECTS

LEGAL STATUS

Stock Company

INCORPORATION DATE

25/03/1958

REGISTERED IN

Medellin

DURATION

25/03/2063

NOTARY OFFICE

notary 7

REGISTRATION

Deed No. 730/ No. 0002267

PAID-UP CAPITAL

Ps$6,033,697,000.00 Colombian Pesos

LAST CAPITAL INCREASE

Last registered

NET WORTH

Ps$85,283,085,000.00 Colombian Pesos, as of 31/12/2012

TYPE OF SHARES

Registered shares

LISTED AT STOCK EXCHANGE

NO

RATE OF EXCHANGE

US$1.00 = Ps$1,946.50, as of report date

BACKGROUND (HISTORY).-

Initially established as Limited Liability Company under the legal name INVERSIONES QUIMICAS INVEQUIMICA LTDA.. established by Public Deed No. 730 of 25/03/1958, notary 7 of Medellin Registered under No. 0002267 with the Public Registry carried by the Aburra Sur Chamber of Commerce. Duration: 25/03/2063. Year of last Registry renewal: 2013. Current. Authorized Capital, Ps$10,000,000,000; Paid In Capital, Ps$6,033,697,000.00. Number of shares, 10,000,000; Nominal value per share, PS$1,000.00. By public deed 4194 of 27/12/1962, notary 1 of Medellin, the company changed its legal name from INVERSIONES QUIMICAS INVEQUIMICA LTDA. to INVERSIONES QUIMICAS LTDA. INVEQUIMICA. By public deed 6386 of 23/12/1970, notary 5 of Medellin, the company changed its legal structure from INVERSIONES QUIMICAS LTDA. INVEQUIMICA to PINTURAS TECNICO INDUSTRIALES Y CIA. S.C.A. By public deed 2823 of 09/06/1971, notary 5 of Medellin, the company changed its legal name from PINTURAS TECNICO INDUSTRIALES Y CIA. S.C.A. to P.T.I. Y CIA. INVEQUIMICA S.C.A. By public deed 4749 of 16/10/1981, notary 5 of Medellin, the company changed its legal name from P.T.I. Y CIA. INVEQUIMICA S.C.A. to INVE-QUIMICA Y CIA. S.C.A. By public deed 817 of 15/04/1987, notary 17 of Medellin, the company changed its legal structure from INVE-QUIMICA Y CIA. S.C.A. to INVEQUIMICA S.A. By public deed 230 of 09/02/1989, notary 17 of Medellin, the company changed its head office from MEDELLIN to ITAGUI. By public deed 2001 of 23/05/1996, notary 20 of Medellin, the company changed its legal name from INVEQUIMICA S.A. to INVEQUIMICA S.A. expression INVESA S.A. By public deed 4768 of 20/12/2000, notary 20 of Medellin, the company changed its legal name from INVEQUIMICA S.A. abbreviation: INVESA S.A. to INVEQUIMICA S.A. - INVESA. By public deed 4768 of 20/12/2000, notary 20 of Medellin, the company absorbed to PINTURAS SAPOLIN S.A. By public deed 1752 of 14/06/2001, notary 20 of Medellin, the company changed its head office from ITAGUI to ENVIGADO. By public deed 1508 of 04/06/2008, notary 20 of Medellin, the company changed its legal name from INVEQUIMICA S.A. - INVESA to INVESA S.A.

COMMENTS RELATED COMPANIES

Affiliates: INVECOMERCIAL S.A. - NIT 8909398511, Envigado; Sale of agrochemical products and hardware items. Sales as of 2012, Ps$24,675,168,000.00

 

 

DIRECTORS/MANAGEMENT

 

BOARD OF DIRECTORS-EXECUTIVES-SHAREHOLDERS

NAME

JOB TITLE

% STAKE

URIBE URIBE, ALFONSO JAVIER

President Director/Legal Representative

 

SIERRA MORENO, RICARDO

Director

 

TORO LUDEKE, CRISTIAN JAVIER

Director

 

URUBE URIBE, JOAQUIN ROBERTO

Director/Alt. Legal. Rep./ Branch Mger. - Bogota

 

URIBE POSADA, ALVARO

Director/Alternate Legal Rep.

 

URIBE URIBE, MARIA TERESA

Director

 

URIBE VELEZ, MARIA ADELAIDA

Alternate Director

 

PIEDRAHITA URIBE, MARIA CLARA

Alternate Director

 

URIBE VELEZ, ALVARO ROBERTO

Alternate Director

 

URIBE POSADA, CAMILO

Alternate Director

 

ROLDAN ROLDAN, HERNAN RODRIGO

Administrative Manager

 

FRANCO RESTREPO, LILIANA

National Purchases Manager

 

RAMIREZ ECHEVERRY, BELSY

Finance Manager

 

URIBE POSADA, FELIPE

Marketing Manager

 

MUNERA, CARLOS JOSE

Marketing Manager - Agrochemicals

 

GOMEZ BOTERO, JOSE

Production & Plant Manager

 

ISAZA MARTINEZ, VICTOR

Head of Foreign Purchasing

 

CAÑON GOMEZ, EDA LILIANA

Head of Human Resources

 

CARRASCO CORREA, GLORIA MARITZA

Head of Accounting

 

ESTRADA GONZALEZ, JUAN MANUEL

Head of Systems

 

ESCUDERO MARIN, BIBIANA MARIA

Auditor

 

URIBE LOPERA, CARLOS EMILIO

Alt. Auditor

 

CAUSO LTDA

External Auditor

 

 

 


NEGATIVE INFORMATION

 

LITIGATIONS

Source court are frequently inconsistent and lack a clear identification of plaintiffs and defendants. however, we found the following on Subject: - Consult date: 28/03/2011, Defendant: SURFACE FINISHING E U, GABRIEL SOTO MENDOZA, Document City: Medellin m, Court: 19 Civil M/pal, Type of process: Ejec. Singular, Start Process: 08/03/2011, Range claims: Ps$1,000,000.00, request: First, Process: Active - Consult date: 04/05/2012, Defendant: AEROQUIMICOS LA FINCA LTDA., Document City: 800112950, Barranquilla, Court: 12 Civil C/to, Type of process: Ejec. Singular, Start process: 13/05/2010, Range claims: Ps$1,000,000.00 Request: First, Process: Active. Consult Date: 31/08/2012, Defendant: MARGARITA VEGA ESCARRATA, Document City: 52026053 Bogota, Court: 60 Civil M/pal, Type of process: Ejec. Singular, Start process: 04/11/2008, Range claims: Ps$1,000,000.00 request: First, Process: Active.

BANK COMENTS

Banks in Colombia did not furnish information about clients by preserving confidentiality of bank-client information.

 

 

SHARE & SHARE CAPITAL INFORMATION

 

PAID-UP CAPITAL

Ps$6,033,697,000.00 Colombian Pesos

LAST CAPITAL INCREASE

Last registered

NET WORTH

Ps$85,283,085,000.00 Colombian Pesos, as of 31/12/2012

TYPE OF SHARES

Registered shares

LISTED AT STOCK EXCHANGE

NO

 

 

PAYMENT INFORMATION

 

IMPORTS

YEAR

2013 (January - September)

AMOUNT

US$ 11,578,257.96

 

YEAR

2012

AMOUNT

US$ 16,359,037.27

 

YEAR

2011

AMOUNT

US$ 14,986,433.71

 

YEAR

2010

AMOUNT

US$ 12,794,650.13

 

EXPORTS

YEAR

2013 (January - September)

AMOUNT

US$ 1,680.00

 

YEAR

2012

AMOUNT

US$ 97,372.40

 

YEAR

2010

AMOUNT

US$ 8,128.54

 

PAYMENTS

TRADE REFERENCES

TYPE OF SUPPLIER

NATIONAL

CREDIT FACILITIES

No current operations limit

SUPPLIER FROM

Since 1993

MONTHLY AVERAGE

Ps$250,000,000.00

DEADLINES

Invoices at 60 days

PRODUCTS SOLD

not specified

RATING

PROMPT

COMMENTS.-

 

 

TYPE OF SUPPLIER

NATIONAL

CREDIT FACILITIES

Ps$6,000,000.00

SUPPLIER FROM

Since 2003

DEADLINES

Invoices at 30 days

PRODUCTS SOLD

not specified

RATING

PROMPT

COMMENTS.-

Good client

 

TYPE OF SUPPLIER

NATIONAL

CREDIT FACILITIES

Ps$6,000,000.00

SUPPLIER FROM

Since 2003

DEADLINES

Invoices at 30 days

PRODUCTS SOLD

not specified

RATING

PROMPT

COMMENTS.-

Good client

 

TYPE OF SUPPLIER

NATIONAL

CREDIT FACILITIES

Ps$60,000,000.00

SUPPLIER FROM

Since 2005

DEADLINES

Invoices at 60 days

PRODUCTS SOLD

not specified

RATING

PROMPT

COMMENTS.-

Good client

 

TYPE OF SUPPLIER

NATIONAL

CREDIT FACILITIES

Ps$30,000,000.00

SUPPLIER FROM

Since 1993

DEADLINES

Invoices at 60 days

PRODUCTS SOLD

not specified

RATING

PROMPT

COMMENTS.-

Excellent client

 

TYPE OF SUPPLIER

NATIONAL

CREDIT FACILITIES

Ps$250,000,000.00

SUPPLIER FROM

Since 2006

DEADLINES

Invoices at 60 days

PRODUCTS SOLD

not specified

RATING

PROMPT

 

TYPE OF SUPPLIER

NATIONAL

CREDIT FACILITIES

Ps$200,000,000.00

SUPPLIER FROM

Since 2003

DEADLINES

Invoices at 60 days

PRODUCTS SOLD

not specified

RATING

PROMPT

COMMENTS.-

Good client.

 

TYPE OF SUPPLIER

NATIONAL

CREDIT FACILITIES

Ps$15,000,000.00

SUPPLIER FROM

Since 2007

DEADLINES

Invoices at 60 days

PRODUCTS SOLD

not specified

RATING

PROMPT

COMMENTS.-

Excellent client

 

CREDIT FILES

Other local suppliers did not furnish references on clients because of policy of companies. Subject company did not furnish information regarding its suppliers abroad.

 

LOCAL SUPPLIERS

Name

Contact

Telephone

AQUATERRA S.A.

 

(57-4) 361.1800

ARAUJO Y SEGOVIA S.A.

 

(57-5) 664.5555

BRENNTAG COLOMBIA S.A.

 

(57-1) 330.5300

CACHARRERIA MUNDIAL S.A.S.

 

(574) 261.8500

CARBOQUIMICA S.A.S.

 

(57-1) 775.5211

COLOMBIANA DE RESINAS S.A.

 

(57-4) 444.6869

COLTANQUES S.A.S.

 

(57-1) 422.2333

COLTEFINANCIERA S.A. CIA. DE FINANCIAMIENTO

 

(57-4) 604.3440

CONQUIMICA S.A.

 

(57-4) 372.0733

CORRUMED S.A. EMPAQUES CORRUGADOS

 

(57-4) 378.5000

DHL EXPRESS COLOMBIA LTDA.

 

(57-1) 749.9700

DIENES Y CIA. S.A.

 

(57-1) 244.2020

DISOLVENTES DE ANTIOQUIA Y CIA. S.A.S.

 

(57-4) 289.0756

DOW AGROSCIENCES DE COLOMBIA S A

 

(57-1) 219.6000

G M P PRODUCTOS QUIMICOS S.A.

 

(57-4) 444.6656

JORGE GOMEZ Y CIA. SOCIEDAD DE INTERMEDIACION ADUANERA LTDA

 

(57-4) 361.2748

LINDE COLOMBIA S A

 

(57-1) 425.4550

NOPCO COLOMBIANA S A

 

(57-4) 319.6600

OPERADORES LOGISTICOS INTERNACIONALES DE CARGA WESSCOLDA S.A.S.

 

(57-1) 271.5888

PAPELES Y CARTONES S.A. PAPELSA

 

(57-4) 405.7000

PREFLEX S A

 

(57-1) 779.9222

PRODUCCIONES QUIMICAS S.A.

 

 

PRODUCTOS PETROLEROS INDUSTRIALES S.A.

 

(57-4) 481.0477

PRODUCTOS QUIMICOS PANAMERICANOS S.A.

 

 

QUIMICOS PALACIO ECHANDIA S.A.S.

 

(57-4) 317.5151

R.V. INMOBILIARIA S.A.

 

(57-1) 257.3700

T.D.M. TRANSPORTES S.A.

 

(57-4) 281.4411

TRACKER DE COLOMBIA S.A.

 

(57-1) 208.8900

TRANSMERQUIM DE COLOMBIA S.A.

 

(57-1) 533.0101

 

 

GROUP STRUCTURE & AFFILIATED COMPANIES

 

RELATED COMPANIES

NAME

TAX ID. NUMBER

COUNTRY

COLPINTURAS S.A.S

9004676127

COLOMBIA

INVERSIONES COMERCIALES LTDA.

8909398511

COLOMBIA

 

 

FINANCIAL INFORMATION

 

FINANCIAL INFORMATION

CONTENT.-

When contacting the Subject, we interviewed Ms. Gloria Maritza Carrasco Correa (Head of Accounting), who furnished general information about the company, declining to disclose further data as it is held on the grounds of confidence. Therefore, this report has been also elaborated with the information provided by outside sources. And in accordance of external sources, we have the company´s General Balance Sheets ended as of 31/12/2012 and as of 31/12/2011 (12 months, each), in Colombian pesos, as follows:

 

GENERAL BALANCE SHEET

Balance Date

31/12/2012

31/12/2011

 

Currency

Colombian Peso

Colombian Peso

 

Exchange Rate

1,774.50

1,941.50

 

.Current Total

57,804,855,000.00

55,443,798,000.00

4.26

.Net Fixed

54,407,376,000.00

23,485,305,000.00

131.67

.Total Assets

112,212,231,000.00

78,929,103,000.00

42.17

.Total Current Liabilities

26,929,146,000.00

25,466,573,000.00

5.74

Total Liabilities

26,929,146,000.00

25,466,573,000.00

5.74

Total Equity

85,283,085,000.00

53,462,530,000.00

59.52

Total Liabilities and Equity

112,212,231,000.00

78,929,103,000.00

42.17

 

PROFIT AND LOSS ACCOUNT

Balance Date

31/12/2012

31/12/2011

 

Currency

Colombian Peso

Colombian Peso

 

Exchange Rate

1,774.50

1,941.50

 

Net Sales

108,910,024,000.00

100,422,670,000.00

8.45

Profit(loss)

5,399,935,000.00

5,143,473,000.00

4.99

 

RATIOS FINANCIAL

PERIOD

2,012.00

2,011.00

0.00

.NET WORKING CAPITAL

30,875,709,000.00

29,977,225,000.00

0.03

.CREDIT RATING

2.15

2.18

-0.01

.CONTENTS OF THE ACID TEST

0.00

0.00

 

.INDEBTEDNESS

4.17

3.10

0.35

.LIABILITIES, CAPITAL

0.00

0.00

 

.TOTAL ASSET TURNOVER

0.97

1.27

-0.24

.RETURN ON EQUITY

0.00

0.00

 

.NET RETURN ON SALES

0.00

0.00

 

FINANCIAL COMMENTS.-

The Subject is a long-established company which operations seem to be conducted normally. COUNTRY CONTEXT - COLOMBIA: The below Country comments were obtained from a highly regarded public source that issues economic comments on all of World` s countries. Taxes: · Colombian income tax: 38.5% on the net profit-business:. · Tax agreements with the Andean Community and Spain which allow residents in this countries to have a special tax treatment. · Alphabetic currency code for every country, established by the International Organization for Standardization (ISO) 4217: Colombian Peso (COP) Main economic indicators: · External debt: US $73.41 billion (31 December 2012 est.) · International reserves: US$34.74 billion (31 December 2012 est.) · Inflation rate forecasted: 3.2% (2012 est.) · GDP growth rate: 4.3% (2012 est.) · Annual GDP per capita: US$10,700 (2012 est.) · GDP - composition by sector: agriculture: 6.8% industry: 38.1% services: 55.1% (2012 est.) · Labour force of 23.08 million people divided by: agriculture: 18% industry: 13% services: 68% · Unemployment rate: 10.3% (2012 est.) Productive sectors: Agriculture - products: coffee, cut flowers, bananas, rice, tobacco, corn, sugarcane, cocoa beans, oilseed, vegetables; shrimp; forest products · Industrial- products: textiles, food processing, oil, clothing and footwear, beverages, chemicals, cement; gold, coal, emeralds Foreign trade: Exports: US$59.96 billion (2012 est.) country comparison to the world: 55 Exports - commodities: petroleum, coal, emeralds, coffee, nickel, cut flowers, bananas, apparel Exports - partners: US 42%, Netherlands 4.7%, China 4.2% (2011) Imports: US$55.49 billion (2012 est.) country comparison to the world: 54 Imports - commodities: industrial equipment, transportation equipment, consumer goods, chemicals, paper products, fuels, electricity Imports - partners: US 29.2%, China 11.9%, Mexico 11.5%, Brazil 5.3% (2011) Final brief: Commercial Country Risk: MEDIUM Political Country Risk: LOW

DETAILS OF FIXED ASSETS.-

- Real estate located in caption address:

INSURANCE.-

All-risk insurance policy has been underwritten by SEGUROS GENERALES SURAMERICANA S.A.. (Neither coverage amount nor maturity date have been furnished).

 

 

FOREIGN EXCHANGE RATES

 

RATE OF EXCHANGE

US$1.00 = Ps$1,946.50, as of report date

 

 

ADDITIONAL INFORMATION

 

WHO IS WHO?

URIBE URIBE, ALFONSO JAVIER

Colombian, ID, 70.085.774, Business Administrator, Since 1981, joined to INVESA SA, .

URUBE URIBE, JOAQUIN ROBERTO

Colombian, ID, 70.067.598, .

URIBE POSADA, ALVARO

Colombian, ID, 8.244.332, .

ROLDAN ROLDAN, HERNAN RODRIGO

Colombian, Business Administrator, Since 1987, joined to INVESA SA, .

RAMIREZ ECHEVERRY, BELSY

Colombian, Business Administrator, .

Position

Name

Country

Tax id Number

Year

 

INVEQUIMICA SA

COLOMBIA

8909006523

2003

ESCUDERO MARIN, BIBIANA MARIA

Position

Name

Country

Tax id Number

Year

Director/Operations Manager of Food Producer

VINIKOL DE COLOMBIA SA

COLOMBIA

800249760-1

 

URIBE LOPERA, CARLOS EMILIO

Colombian, ID, 8.349.730, .

 

OPERATIONS

SECTOR

1.-INDUSTRY

ACTIVITY

AGROCHEMICALS

ISIC CATEGORY

D-MANUFACTURING INDUSTRIES (ELABORATION, MANUFACTURING, PRODUCTION, PUBLISHING, CASTING, CONSTRUCTION)

MAIN ACTIVITY

Manufacturer of agrochemical products, pesticides, adhesives and paints.

% CASH SALES/PAYMENT METHOD

10%

% CREDIT SALES/TERMS

90% (ters at 30, 60 days)

TERRITORY OF SALES

nationwide and abroad

N. OF EMPLOYEES

400

 

 

 

LOCATION

HEAD OFFICES: Located at the above stated address. Own premises kept in good condition. Former address: Carrera 48 26 Sur 181 L. 314a, Envigado. OTHER LOCATIONS: Warehouse, Cra. 16 No 21-67, Valledupar. Warehouse, Av. Quebradaseca # 21-38, Bucaramanga. Branch, Autop. Norte # 100-12 Ofc. 501, Bogota. Factory, Autop. Norte Km. 24 Vereda La Palma, Girardota

COMMENTS OF OPERATIONS.-

Sales are made to : Wholesalers, Retailers, Final Consumers Subject company has the certification QUALITY ICONTEC under the requirements of NTC-ISO 9001:2000 and the certification ENVIRONMENT MANAGEMENT ICONTEC under the requirements NTC-ISO 14001-1996 Imports from China, USA, India, UK, Mexico, Brazil, Korea, Chile, Spain, Japan. Also, exports to Venezuela, Ecuador, USA, Cameroon, Dominican Republic, Jamaica, Costa Rica, Peru, Honduras, Panama. No export sales reported in 2011.

 

 

NOTES & COMMENTS

 

N/a

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.12

UK Pound

1

Rs.101.53

Euro

1

Rs.85.41

 

 

INFORMATION DETAILS

 

Report Prepared by :

PDT

 

 

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.