|
Report Date : |
04.02.2013 |
IDENTIFICATION DETAILS
|
Name : |
CARMISTIN SRL |
|
|
|
|
Registered Office : |
Str. Mihai Bravu nr. 187, Mizil, 105800, Jud. Prahova |
|
|
|
|
Country : |
Romania |
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|
|
|
Financials (as on) : |
30.06.2012 |
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|
|
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Date of Incorporation : |
29.06.2000 |
|
|
|
|
Com. Reg. No.: |
J29/583/2000 |
|
|
|
|
Legal Form : |
Private Limited Company |
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|
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Line of Business : |
Wholesale of meat and meat products |
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|
No. of Employees : |
74 Persons |
NOTE:
We checked again (in official
sources) the company Carmistin Srl and the activity of this company is correct
in our report. Also more about the activity of this company you can seen on the
company website.
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 – June 30th,
2012
|
Country Name |
Previous Rating (31.03.2012) |
Current Rating (30.06.2012) |
|
Romania |
B1 |
B1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
ROMANIA - ECONOMIC OVERVIEW
Romania, which joined the European Union on 1 January 2007,
began the transition from Communism in 1989 with a largely obsolete industrial base
and a pattern of output unsuited to the country's needs. The country emerged in
2000 from a punishing three-year recession thanks to strong demand in EU export
markets. Domestic consumption and investment fueled strong GDP growth, but led
to large current account imbalances. Romania's macroeconomic gains have only
recently started to spur creation of a middle class and to address Romania's
widespread poverty. Corruption and red tape continue to permeate its business
environment. Inflation rose in 2007-08, driven by strong consumer demand and
high wage growth, rising energy costs, a nation-wide drought, and a relaxation
of fiscal discipline. As a result of the global financial crisis, Romania's GDP
fell more than 7% in 2009, prompting Bucharest to seek a $26 billion emergency
assistance package from the IMF, the EU, and other international lenders.
Drastic austerity measures, as part of Romania's IMF-led agreement, led to a
1.3% GDP contraction in 2010. The economy returned to positive growth in 2011
due to a strong export performance, but in a deflationary environment caused by
bountiful crops and weak domestic demand. In March 2011, Romania and the
IMF/EC/World Bank signed a 24-month precautionary stand-by agreement, worth
$4.9 billion, to promote compliance with fiscal targets, progress on structural
reforms, and financial sector stability. The Romanian authorities have
announced that they do not intend to draw funds from the facility.
|
Source : CIA |
|
CARMISTIN SRL |
|
Str. Mihai Bravu nr. 187, Mizil, 105800, Jud. Prahova |
|
Tel +40 244 252831 / +40 244
252833 |
|
Fax +40 244 252832 |
|
Email office@carmistin.ro |
|
WEB www.carmistin.ro |
|
Legal Form |
Private Limited Company |
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Foundation |
29.06.2000 |
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Trade Register |
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Capital |
RON 5,000,000.00 |
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Associates |
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Principals |
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Participation |
Participations and functions: Paraschiv Carmina-Elena - ANA & CORNEL SRL, RO
5878224, administrator and shareholder, 40,00000000% - LADRISI GROUP SRL, RO
13645823, shareholder, 55,00000000% - RIVASOV SRL, RO 18658670,
administrator and shareholder, 100,00000000% Participations and functions: Paraschiv Justin-Ovidiu - CARMISTIN AGRICULTURE SRL, RO
28917330, shareholder, 99,00000000% - LA PROVINCIA COOPERATIVA
AGRICOLĂ, RO 27289742, administrator, - LADRISI GROUP SRL, RO
13645823, shareholder, 45,00000000% - MFA SA MIZIL, RO 14354253,
shareholder, 84,55300000% Participations and functions: Craciun Gabriel - MFA SA MIZIL, RO 14354253,
administrator, Participations and functions: Pana Ettien-Tiberiu - CARMISTIN AGRICULTURE SRL, RO
28917330, administrator and shareholder, 1,00000000% - LA PROVINCIA COOPERATIVA
AGRICOLĂ, RO 27289742, administrator, - PAJO HOLDING SRL, RO
18402450, administrator, Participations of the company: CARMISTIN SRL - LA PROVINCIA COOPERATIVA
AGRICOLĂ, RO 27289742, 20,00000000% |
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Generalities |
4632 Wholesale of meat and meat products Importer and distributor of pork and beef meat, fresh or frozen Legal office at the above mentioned address Working Points: - Mizil, Str.Tepes Voda, Nr.39, Jud.Prahova |
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Real estate |
According to the Balance Sheet 2011 the company holds real estates
with a book value of 23,303,283 RON, but we do not have any other details on
the type and location of these assets. |
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Employees |
|
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|
Annual turnover |
|
|
Assets |
Figures
in RON per |
31.12.2010 |
31.12.2011 |
30.06.2012 |
|
|
1.Incorporation expenses |
0.0 |
546,046.0 |
N/A |
|
|
2.Development expenses |
0.0 |
0.0 |
N/A |
|
|
3.Concession rights, patents, licences, trademarks, similar rights and
assets and other intangible fixed assets |
574,549.0 |
0.0 |
N/A |
|
|
4.Goodwill |
0.0 |
0.0 |
N/A |
|
|
5.Down payments and intangible fixed assets in progress |
0.0 |
0.0 |
N/A |
|
|
TOTAL INTANGIBLE FIXED ASSETS |
574,549.0 |
546,046.0 |
532,302.0 |
|
|
1.Land and buildings |
4,640,127.0 |
23,119,304.0 |
N/A |
|
|
2.Technical installations and machines |
3,252,271.0 |
4,488,041.0 |
N/A |
|
|
3.Other installations, machinery and furniture |
139,904.0 |
302,411.0 |
N/A |
|
|
4.Down payments and tangible fixed assets in progress |
90,082.0 |
920,970.0 |
N/A |
|
|
TOTAL TANGIBLE FIXED ASSETS |
8,122,384.0 |
28,830,726.0 |
28,603,916.0 |
|
|
1.Shares in subsidiaries |
6,379,786.0 |
6,379,786.0 |
N/A |
|
|
2.Loans given to subsidiaries |
9,308,400.0 |
9,485,067.0 |
N/A |
|
|
3.Participating interests |
2,000.0 |
2,000.0 |
N/A |
|
|
4.Loans given to associates |
0.0 |
0.0 |
N/A |
|
|
5.Other long term investments |
0.0 |
0.0 |
N/A |
|
|
6.Other loans |
0.0 |
0.0 |
N/A |
|
|
TOTAL CAPITAL ASSETS |
15,690,186.0 |
15,866,853.0 |
16,191,322.0 |
|
|
NON CURRENT ASSETS - TOTAL |
24,387,119.0 |
45,243,625.0 |
45,327,540.0 |
|
|
1.Raw materials and consumables |
65,970.0 |
83,707.0 |
N/A |
|
|
2.Work in progress |
0.0 |
0.0 |
N/A |
|
|
3.Finished goods |
5,615,851.0 |
9,339,279.0 |
N/A |
|
|
4.Down payments on inventory purchases |
982,817.0 |
2,752,559.0 |
N/A |
|
|
TOTAL INVENTORIES |
6,664,638.0 |
12,175,545.0 |
15,422,870.0 |
|
|
1.Trade receivables |
23,176,370.0 |
34,530,984.0 |
N/A |
|
|
2.Receivables from subsidiaries |
21,909.0 |
13,817,405.0 |
N/A |
|
|
3.Receivables from entities in respect of participating interests |
0.0 |
7,443,267.0 |
N/A |
|
|
4.Other receivables |
7,063,796.0 |
972,205.0 |
N/A |
|
|
5.Unpaid subscribed capital |
0.0 |
0.0 |
N/A |
|
|
TOTAL RECEIVABLES |
30,262,075.0 |
56,763,861.0 |
53,165,589.0 |
|
|
1.Shares in subsidiaries |
0.0 |
0.0 |
N/A |
|
|
2.Other short-term investments |
0.0 |
0.0 |
N/A |
|
|
TOTAL SHORT-TERM INVESTMENTS |
0.0 |
0.0 |
0.0 |
|
|
IV. PETTY CASH AND BANK ACCOUNTS |
20,608,357.0 |
6,016,823.0 |
4,800,520.0 |
|
|
CURRENT ASSETS - TOTAL |
57,535,070.0 |
74,956,229.0 |
73,388,979.0 |
|
|
C. PREPAID EXPENSES |
79,459.0 |
165,392.0 |
242,670.0 |
|
|
TOTAL ASSETS |
82,001,648.0 |
120,365,246.0 |
118,959,189.0 |
|
Liabilities |
Figures
in RON per |
31.12.2010 |
31.12.2011 |
30.06.2012 |
|
|
1.Debenture loans |
0.0 |
0.0 |
N/A |
|
|
2.Amounts payable to credit entities |
16,937,627.0 |
36,952,023.0 |
N/A |
|
|
3.Down payments received on orders in progress |
0.0 |
0.0 |
N/A |
|
|
4.Commercial debts - suppliers |
29,937,595.0 |
23,299,927.0 |
N/A |
|
|
5.Commercial bills due |
440,185.0 |
6,535.0 |
N/A |
|
|
6.Amounts payable to subsidiaries |
0.0 |
2,154,142.0 |
N/A |
|
|
7.Amounts payable to associates in respect of participating
interests |
0.0 |
0.0 |
N/A |
|
|
8.Other debts, including fiscal debts and amounts payable to social
security |
642,642.0 |
1,490,534.0 |
N/A |
|
|
TOTAL SHORT-TERM DEBTS |
47,958,049.0 |
63,903,161.0 |
62,879,943.0 |
|
|
E.NET CURRENT ASSETS/NET CURRENT DEBTS |
9,656,480.0 |
11,218,460.0 |
N/A |
|
|
F.TOTAL ASSETS MINUS CURRENT DEBTS |
34,043,599.0 |
56,462,085.0 |
N/A |
|
|
1.Debenture loans |
0.0 |
0.0 |
N/A |
|
|
2.Amounts payable to credit entities |
0.0 |
1,265,884.0 |
N/A |
|
|
3.Down payments received on orders in progress |
0.0 |
0.0 |
N/A |
|
|
4.Commercial debts - suppliers |
0.0 |
0.0 |
N/A |
|
|
5.Commercial bills due |
0.0 |
0.0 |
N/A |
|
|
6.Amounts payable to subsidiaries |
0.0 |
0.0 |
N/A |
|
|
7.Amounts payable to associates in respect of participating
interests |
0.0 |
0.0 |
N/A |
|
|
8.Other debts, including fiscal debts and amounts payable to social
security |
0.0 |
329,361.0 |
N/A |
|
|
TOTAL LONG-TERM DEBTS |
0.0 |
1,595,245.0 |
1,305,279.0 |
|
|
1.Provisions for pensions and other similar obligations |
0.0 |
0.0 |
N/A |
|
|
2.Provisions for taxes |
0.0 |
0.0 |
N/A |
|
|
3.Other provisions |
307,432.0 |
307,432.0 |
N/A |
|
|
TOTAL DEBTS |
47,958,049.0 |
65,498,406.0 |
64,185,222.0 |
|
|
TOTAL PROVISIONS |
307,432.0 |
307,432.0 |
0.0 |
|
|
Grants for investments |
0.0 |
0.0 |
N/A |
|
|
deferred income |
0.0 |
0.0 |
N/A |
|
|
TOTAL DEFERRED INCOME |
0.0 |
0.0 |
0.0 |
|
|
1.Subscribed and paid capital |
3,500,000.0 |
5,000,000.0 |
N/A |
|
|
2.Subscribed and unpaid capital |
0.0 |
0.0 |
N/A |
|
|
3.Assets and liabilities (public sector companies) |
0.0 |
0.0 |
N/A |
|
|
TOTAL SHARE CAPITAL |
3,500,000.0 |
5,000,000.0 |
5,000,000.0 |
|
|
II. CAPITAL PREMIUM |
0.0 |
0.0 |
N/A |
|
|
III. REVALUATION RESERVES |
932,344.0 |
16,368,918.0 |
N/A |
|
|
1.Legal reserves |
700,000.0 |
1,000,000.0 |
N/A |
|
|
2.Statutory or contractual reserves |
0.0 |
0.0 |
N/A |
|
|
3.Reserves representing the revaluation reserve surplus |
271,323.0 |
342,885.0 |
N/A |
|
|
4.Other reserves |
14,937,623.0 |
14,937,623.0 |
N/A |
|
|
TOTAL RESERVES |
15,908,946.0 |
16,280,508.0 |
N/A |
|
|
Own shares |
0.0 |
0.0 |
N/A |
|
|
Earnings associated to own capital instruments |
0.0 |
0.0 |
N/A |
|
|
Losses associated to own capital instruments |
0.0 |
0.0 |
N/A |
|
|
Reported profit or loss (e) Balance account C |
9,830,852.0 |
10,394,877.0 |
N/A |
|
|
Reported profit or loss (e) Balance account D |
0.0 |
0.0 |
N/A |
|
|
Profit or loss as per the financial year Balance account C |
3,564,025.0 |
6,815,105.0 |
N/A |
|
|
Profit or loss as per the financial year Balance account D |
0.0 |
0.0 |
N/A |
|
|
Profit distribution |
0.0 |
300,000.0 |
N/A |
|
|
SHAREHOLDERS' EQUITY - TOTAL |
33,736,167.0 |
54,559,408.0 |
54,773,967.0 |
|
|
Public patrimony |
0.0 |
0.0 |
N/A |
|
|
EQUITY - TOTAL |
33,736,167.0 |
54,559,408.0 |
N/A |
|
|
TOTAL LIABILITIES |
82,001,648.0 |
120,365,246.0 |
118,959,189.0 |
|
Notes |
Figures in RON per |
31.12.2010 |
31.12.2011 |
30.06.2012 |
|
|
1. Net turnover |
189,944,500.0 |
384,794,152.0 |
110,495,765.0 |
|
|
Own work sold |
1,028,751.0 |
2,248,935.0 |
1,253,686.0 |
|
|
Income from the sale of goods |
188,915,749.0 |
383,946,169.0 |
109,242,079.0 |
|
|
Income from interests made by leasing |
0.0 |
0.0 |
0.0 |
|
|
Income from grants related to income corresponding to net turnover |
0.0 |
0.0 |
0.0 |
|
|
-------Balance account C |
0.0 |
0.0 |
0.0 |
|
|
Balance account D |
0.0 |
0.0 |
0.0 |
|
|
3. Production made by the entity for its own purposes and capitalized |
0.0 |
0.0 |
182,530.0 |
|
|
4. Other operating income |
1,741,821.0 |
951,059.0 |
1,582,158.0 |
|
|
OPERATING INCOME - TOTAL |
191,686,321.0 |
385,745,211.0 |
112,260,453.0 |
|
|
5. a) Expenses on raw materials and consumables |
2,224,793.0 |
3,802,174.0 |
953,537.0 |
|
|
Other expenses supplies and materials |
99,106.0 |
193,223.0 |
134,702.0 |
|
|
b) Other outsourced expenses (electricity and water) |
243,201.0 |
251,408.0 |
90,342.0 |
|
|
c) Expenses on goods |
174,956,692.0 |
358,741,807.0 |
104,404,731.0 |
|
|
6. Expenses on personnel, of which: |
1,584,914.0 |
2,001,440.0 |
1,149,374.0 |
|
|
a) Salaries and benefits |
1,251,935.0 |
1,576,327.0 |
906,364.0 |
|
|
b) Insurance and social security costs |
332,979.0 |
425,113.0 |
243,010.0 |
|
|
7. a) Adjustments of the value of tangible and intangible fixed assets
|
1,433,056.0 |
1,586,164.0 |
969,516.0 |
|
|
a.1) Expenses |
1,433,056.0 |
1,586,164.0 |
969,516.0 |
|
|
a.2) Income |
0.0 |
0.0 |
0.0 |
|
|
b) Adjustments of the value of current assets |
1,898,093.0 |
3,046,644.0 |
-148,178.0 |
|
|
b.1) Expenses |
1,941,512.0 |
3,858,167.0 |
0.0 |
|
|
b.2) Income |
43,419.0 |
811,523.0 |
148,178.0 |
|
|
8. Other operating costs |
4,354,805.0 |
6,118,528.0 |
3,697,067.0 |
|
|
8.1. Expenses on third party services |
2,255,451.0 |
5,090,619.0 |
2,522,952.0 |
|
|
8.2. Expenses on other taxes, duties and similar charges |
135,728.0 |
248,832.0 |
265,268.0 |
|
|
8.3. Expenses on compensations, donations and assigned assets |
1,963,626.0 |
779,077.0 |
908,847.0 |
|
|
Expenses with refinancing interest rates of leasing entities |
0.0 |
0.0 |
0.0 |
|
|
Adjustments of provisions |
0.0 |
0.0 |
-307,432.0 |
|
|
Expenses |
0.0 |
0.0 |
0.0 |
|
|
income |
0.0 |
0.0 |
307,432.0 |
|
|
OPERATING EXPENSES - TOTAL |
186,675,270.0 |
375,686,738.0 |
110,854,671.0 |
|
|
- Profit |
5,011,051.0 |
10,058,473.0 |
1,405,782.0 |
|
|
- Loss |
0.0 |
0.0 |
0.0 |
|
|
9. Income from participating interests, of which: |
0.0 |
0.0 |
0.0 |
|
|
income obtained from subsidiaries |
0.0 |
0.0 |
0.0 |
|
|
10. Income from other financial investments and loans which are part
of intangible fixed assets (acc. 763), of which: |
46,304.0 |
99,579.0 |
39,459.0 |
|
|
income obtained from subsidiaries |
46,304.0 |
99,579.0 |
39,459.0 |
|
|
11. Income from interest rates, of which: |
3,044.0 |
3,231.0 |
1,249.0 |
|
|
income obtained from subsidiaries |
0.0 |
0.0 |
0.0 |
|
|
Other financial income |
1,424,577.0 |
2,808,327.0 |
857,749.0 |
|
|
FINANCIAL INCOME - TOTAL |
1,473,925.0 |
2,911,137.0 |
898,457.0 |
|
|
12. Value adjustments in respect of capital assets and investments as
current assets |
0.0 |
0.0 |
0.0 |
|
|
Expenses |
0.0 |
0.0 |
0.0 |
|
|
income |
0.0 |
0.0 |
0.0 |
|
|
13. Interest expenses |
1,109,817.0 |
1,823,387.0 |
1,188,730.0 |
|
|
of which, expenses in respect of subsidiaries |
0.0 |
0.0 |
0.0 |
|
|
Other financial expenses |
1,339,654.0 |
2,869,802.0 |
868,201.0 |
|
|
FINANCIAL EXPENSES - TOTAL |
2,449,471.0 |
4,693,189.0 |
2,056,931.0 |
|
|
- Financial profit |
0.0 |
0.0 |
0.0 |
|
|
- Financial loss |
975,546.0 |
1,782,052.0 |
1,158,474.0 |
|
|
- Current profit |
4,035,505.0 |
8,276,421.0 |
247,308.0 |
|
|
- Current loss |
0.0 |
0.0 |
0.0 |
|
|
15. Extraordinary income |
0.0 |
0.0 |
0.0 |
|
|
16. Extraordinary expenses |
0.0 |
0.0 |
0.0 |
|
|
- Extraordinary profit |
0.0 |
0.0 |
0.0 |
|
|
- Extraordinary loss |
0.0 |
0.0 |
0.0 |
|
|
TOTAL INCOME |
193,160,246.0 |
388,656,348.0 |
113,158,910.0 |
|
|
TOTAL EXPENSES |
189,124,741.0 |
380,379,927.0 |
112,911,602.0 |
|
|
- Gross profit |
4,035,505.0 |
8,276,421.0 |
247,308.0 |
|
|
- Gross loss |
0.0 |
0.0 |
0.0 |
|
|
18. Income tax |
471,480.0 |
1,461,316.0 |
32,749.0 |
|
|
19. Other taxes which are not recorded above |
0.0 |
0.0 |
0.0 |
|
|
- Net profit |
3,564,025.0 |
6,815,105.0 |
214,559.0 |
|
|
- Net loss |
0.0 |
0.0 |
0.0 |
|
|
Net result |
3,564,025.0 |
6,815,105.0 |
214,559.0 |
|
Additional
information |
Figures
in RON per |
31.12.2010 |
31.12.2011 |
30.06.2012 |
|
|
Outstanding payments-total, of which: - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
Accounts payable outstanding- total, of which: - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
over 30 days - TOTAL |
0.0 |
N/A |
0.0 |
|
|
over 90 days - TOTAL |
0.0 |
N/A |
0.0 |
|
|
over 1 year - TOTAL |
0.0 |
N/A |
0.0 |
|
|
Outstanding payments to social security- total, of which: - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
contributions to social security payable by employers, employees and
other assimilated entities - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
contributions to the social health insurance fund - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
contribution to the additional state pension system - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
contributions to the unemployment fund - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
other social liabilities - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
Payments due to special funds and other funds - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
Payments due to other creditors - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
Taxes and fees unpaid to the public budget on the date due - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
Taxes and fees unpaid to the local budget on the date due - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
Bank credits which were not reimbursed on the date due - total, of which:
- TOTAL |
0.0 |
0.0 |
0.0 |
|
|
back payments after 30 days -
TOTAL |
0.0 |
N/A |
0.0 |
|
|
back payments after 90 days - TOTAL |
0.0 |
N/A |
0.0 |
|
|
back payments after 1 year - TOTAL |
0.0 |
N/A |
0.0 |
|
|
Past due interest - TOTAL |
0.0 |
0.0 |
0.0 |
|
|
Average number of employees |
71 |
72 |
74 |
|
Specific
tangible fixed assets |
Figures
in RON per |
31.12.2010 |
31.12.2011 |
30.06.2012 |
|
|
Lands |
2,354,866.0 |
19,051,200.0 |
N/A |
|
|
Buildings |
2,285,261.0 |
4,252,083.0 |
N/A |
|
|
Technical installations and machines |
7,419,361.0 |
9,568,447.0 |
N/A |
|
|
|
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|
Banks |
Unicredit Tiriac Bank, Ploiesti Raiffeisenbank Romania, Mizil Citibank Europe Plc, Dublin - Sucursala Romania, Ploiesti |
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|
|
|
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|
|
The subject is registered in the Electronic Archive for Secured
Transactions, as having credits at: Raiffeisenbank Romania,
Mizil Unicredit Tiriac Bank , Ploiesti
Citibank Europe Plc, Dublin - Sucursala Romania Ploiesti
These credits are guaranteed with cash-flow and fixed assets If the company is asking for credits, for which the company has to
present guarantees, these have to be first verified |
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|
|
|
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|
Payment behavior |
No complaints, but occasional delays (31) |
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|
|
|
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|
|
According to the information registered at the Ministry of Finance,
the company has no overdue debts to the State budget as of 30.09.2012. There are no related to the subject at the Payment Incidents Bureau
(CIP) in the period 03.01.2006 - 03.01.2013. |
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|
|
|
|||||||||||||||
|
|
There are no related to the subject company at the Insolvency
Proceedings Bulletin. There are no records related to the subject company in our debt
collection department. |
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|
|
|
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|
|
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|
Exchange rate |
|
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|
|
|
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|
About |
This report belongs only to the addressee. The report contains commercial and financial information obtained from
official sources and from the subject. Any responsibility for the
above-mentioned information or for the minor mistakes that may arise in this
report is declined. The addressee may process and use the information only
for the purpose this report was ordered and must comply with the
above-mentioned conditions. |
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FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian
Rupees |
|
US Dollar |
1 |
Rs.53.32 |
|
UK Pound |
1 |
Rs.84.60 |
|
Euro |
1 |
Rs.72.63 |
INFORMATION DETAILS
|
Report
Prepared by : |
PRL |
RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the
strongest capability for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for
credit transaction. It has above average (strong) capability for payment of
interest and principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy.
General unfavourable factors will not cause fatal effect. Satisfactory capability
for payment of interest and principal sums |
Fairly
Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet
normal commitments. |
Satisfactory |
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and
principal sums in default or expected to be in default upon maturity |
Limited
with full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be
exercised |
Credit
not recommended |
|
-- |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.