MIRA INFORM REPORT

 

 

Report Date :

05.02.2013

 

IDENTIFICATION DETAILS

 

Name :

PERKHIDMATAN KARGO TUMPATAN SDN BHD

 

 

Registered Office :

3 1/2 Miles, Pulau Gadong, 75200 Melaka, Melaka

 

 

Country :

Malaysia.

 

 

Financials (as on) :

31.08.2011

 

 

Date of Incorporation :

25.06.1984

 

 

Com. Reg. No.:

122317-U

 

 

Legal Form :

Private Limited (Limited By Share)

 

 

Line of Business :

Importer of Animal Feed Raw Materials

 

 

No. of Employees :

50

 

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

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. 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 more than 40% of government revenue. The 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.

:

122317-U

COMPANY NAME

:

PERKHIDMATAN KARGO TUMPATAN SDN BHD

FORMER NAME

:

N/A

INCORPORATION DATE

:

25/06/1984

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED (LIMITED BY SHARE)

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

3 1/2 MILES, PULAU GADONG, 75200 MELAKA, MELAKA, MALAYSIA.

BUSINESS ADDRESS

:

3 1/2 MILES, PULAU GADONG, 75200 MELAKA, MELAKA, MALAYSIA.

TEL.NO.

:

06-3357285

FAX.NO.

:

06-3357301

CONTACT PERSON

:

LIOW CHYE HOCK ( MANAGING DIRECTOR )

 

 

 

INDUSTRY CODE

:

46902

PRINCIPAL ACTIVITY

:

IMPORTER OF ANIMAL FEED RAW MATERIALS

AUTHORISED CAPITAL

:

MYR 5,000,000.00 DIVIDED INTO
ORDINARY SHARE 5,000,000.00 OF MYR 1.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 2,000,016.00 DIVIDED INTO
ORDINARY SHARES 1,000,008 CASH AND 1,000,008 OTHERWISE OF MYR 1.00 EACH.

 

 

 

SALES

:

MYR 138,717,015 [2011]

NET WORTH

:

MYR 7,512,419 [2011]

 

 

 

STAFF STRENGTH

:

50 [2013]

BANKER (S)

:

BANGKOK BANK BHD
HSBC BANK MALAYSIA BHD

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

MODERATE

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

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) importer of animal feed raw materials.

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

(%)

KILANG MEMPROSES BARANG2 TEMPATAN SDN. BHD.

3 1/2 M. S, PULAU GADONG, 75200 MELAKA, MELAKA, MALAYSIA.

29134

995,000.00

49.75

MS. LILY ONG

17, TAMAN ASEAN, BATU 3 1/2, JALAN MALIM, 75250 MELAKA, MELAKA, MALAYSIA.

0856887

320,000.00

16.00

MR. TREVI LIM TECK WEE

 

790910-04-5267

80,000.00

4.00

L.P.H.REALTY SDN.BHD.

100-G, JALAN KESIDANG 2/24, LORONG PANDAN, 75200 MELAKA, MELAKA, MALAYSIA.

113489

60,008.00

3.00

LIM SIAK CHIEW SDN. BHD.

19-F JALAN BACHANG, 75350 BATU BERENDAM, MELAKA, MALAYSIA.

50056

60,000.00

3.00

MS. FATIMAH BT.AHMAD

C-5035, KLEBANG BESAR, 75200 MELAKA, MELAKA, MALAYSIA.

380515-04-5038

54,168.00

2.71

MS. CHAN SOON MEE

295-G, JALAN ASEAN 5, TAMAN ASEAN MALIM, 75250 MELAKA, MELAKA, MALAYSIA.

540310-10-6060

43,752.00

2.19

MR. LOW ENG GUAN @ LOW BOON CHIAN +

9, JALAN SRI MANGGA, TAMAN SRI MANGGA, SEKSYEN 1, 75250 MELAKA, MELAKA, MALAYSIA.

510826-10-5707

40,000.00

2.00

MR. LIM YONG POH

25, TAMAN ASEAN, 3 1/2 MILESTONE, MALIM ROAD, MELAKA, MALAYSIA.

1053881

40,000.00

2.00

CHEW KAI CHUAN

53, JALAN NAKHODA, TAMAN RATNA, 13050 BUTTERWORTH, PULAU PINANG, MALAYSIA.

8154643

40,000.00

2.00

MR. ZULKIFLI BIN HASSAN

352D, TAMAN BUNGA RAYA, BUKIT BRUANG, 75450 AIR KEROH, MELAKA, MALAYSIA.

550315-04-5315

33,334.00

1.67

MR. BERNARD ONG CHIN YONG

17, TAMAN ASEAN, 75250 MELAKA, MELAKA, MALAYSIA.

681026-04-5087

33,333.00

1.67

MR. DZUL ISKANDAR BIN YAHYA +

LOT 979, JALAN MERANTI, OFF TAMAN SAYANG SELASIH, 75200 MELAKA, MELAKA, MALAYSIA.

730424-04-5283

27,085.00

1.35

MS. NOOR AINI BINTI HASSAN

 

510930-04-5070

27,084.00

1.35

MS. LINDA NG BINTI ABDULLAH

4826, TAMAN SETIA, KLEBANG BESAR, 75200 MELAKA, MELAKA, MALAYSIA.

670627-04-5062

27,084.00

1.35

MS. MAIMOONA BINTI HASSAN

C7130 TAMAN HANG TUAH, 76300 SUNGAI UDANG, MELAKA, MALAYSIA.

471001-04-5042

27,084.00

1.35

SITI MARIAM BTE HASSAN

PT 650 JALAN TMJ 6, KG TANAH MERAH JAYA, 76400 TANJONG KLING, MELAKA, MALAYSIA.

6158221

27,084.00

1.35

ONG CHEE JOON

1, JALAN CHENG PERDANA 1/13, DESA CHENG PERDANA, 75250 MELAKA, MELAKA, MALAYSIA.

1291845

25,000.00

1.25

LIM SIAK THOONG

29, TAMAN SRI WANGSA, JALAN SRI WANGSA, 75350 BATU BERENDAM, MELAKA, MALAYSIA.

1291452

20,000.00

1.00

MR. LIOW CHAI GUAN.

187, TAMAN ASEAN, JALAN MALIM, 75250 MELAKA, MELAKA, MALAYSIA.

5441626

20,000.00

1.00

 

 

 

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

------

 

 

 

2,000,016.00

100.00

 

 

 

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

=====


+ Also Director





DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

MS. LIM SIEW CHOO

Address

:

19-F, JALAN LORONG, BACHANG 2, 75350 BATU BERENDAM, MELAKA, MALAYSIA.

 

 

 

New IC No

:

590403-04-5194

Date of Birth

:

03/04/1959

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

29/05/2007

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

MR. LIOW CHYE HOCK

Address

:

295-G, JALAN ASEAN 5, TAMAN ASEAN, MALIM, 75250 MELAKA, MELAKA, MALAYSIA.

 

 

 

New IC No

:

541113-04-5005

Date of Birth

:

13/11/1954

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

28/05/2008

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

ONG BOON BEE

Address

:

17, TAMAN ASEAN, JALAN MALIM, MELAKA, MALAYSIA.

IC / PP No

:

0189749

 

 

 

 

 

 

 

 

 

 

 

 

Date of Appointment

:

20/08/1984

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 4

 

Name Of Subject

:

MR. DZUL ISKANDAR BIN YAHYA

Address

:

LOT 979, JALAN MERANTI, OFF TAMAN SAYANG SELASIH, 75200 MELAKA, MELAKA, MALAYSIA.

 

 

 

New IC No

:

730424-04-5283

Date of Birth

:

24/04/1973

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

16/06/2010

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 5

 

Name Of Subject

:

MR. LOW ENG GUAN @ LOW BOON CHIAN

Address

:

9, JALAN SRI MANGGA, TAMAN SRI MANGGA, SEKSYEN 1, 75250 MELAKA, MELAKA, MALAYSIA.

 

 

 

New IC No

:

510826-10-5707

Date of Birth

:

26/08/1951

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

07/11/1986

 

 

 

 

 

 

 

 

 

 

 

 

 

MANAGEMENT

 

 

 

1)

Name of Subject

:

LIOW CHYE HOCK

 

Position

:

MANAGING DIRECTOR

 

 

 

 

 

2)

Name of Subject

:

ONG CHEE JOON

 

Position

:

ACCOUNT MANAGER

 

 

 

 

 

3)

Name of Subject

:

LIM SIEW CHOO

 

Position

:

FINANCE DIRECTOR

 

 

 

 

 

AUDITOR

 

Auditor

:

O L YEO & CO

Auditor' Address

:

110A & B, JALAN MELAKA RAYA 25, TAMAN MELAKA RAYA, 75000 MELAKA, MELAKA, MALAYSIA.

 

 

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MR. LIOW CHYE HOCK

 

 

 

 

 

New IC No

:

541113-04-5005

 

Address

:

295-G, JALAN ASEAN 5, TAMAN ASEAN, MALIM, 75250 MELAKA, MELAKA, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

2)

Company Secretary

:

MS. LAI FUI YAN

 

 

 

 

 

New IC No

:

770526-04-5408

 

Address

:

30, JALAN TMS 2, TAMAN MINYAK SETIA, 75350 BATU BERENDAM, MELAKA, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

BANGKOK BANK BHD

 

 

 

 

 

2)

Name

:

HSBC BANK MALAYSIA BHD

 

 

 

 

 

The SC enjoys normal banking routine with above mentioned banker(s). The SC has bank charges with above mentioned banker(s).

 

 

ENCUMBRANCE (S)



ENCUMBRANCE 1

Date of Creation

:

05/04/1990

Description Of Charge

:

N/A

 

Amount Secured

:

RM2,500,000.00

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

BANGKOK BANK BHD

 

 

 

 

 

 

 

 

Form 40 Dated

Registered and Numbered 1 In The Register of Charges



ENCUMBRANCE 2

Date of Creation

:

22/07/2008

Description Of Charge

:

OPEN CHARGE

 

Amount Secured

:

N/A

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

BANGKOK BANK BHD

 

 

 

 

 

 

 

 

Form 40 Dated

Registered and Numbered 2 In The Register of Charges



ENCUMBRANCE 3

Date of Creation

:

30/04/2012

Description Of Charge

:

N/A

 

Amount Secured

:

MYR5,100,000.00

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

HONG LEONG BANK BERHAD

 

 

 

 

 

 

 

 

Form 40 Dated 01/05/2012

Registered and Numbered 10 In The Register of Charges



ENCUMBRANCE 4

Date of Creation

:

25/05/2012

Description Of Charge

:

N/A

 

Amount Secured

:

N/A

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

BANGKOK BANK BERHAD

 

 

 

 

 

 

 

 

Form 40 Dated 31/05/2012

Registered and Numbered 11 In The Register of Charges



ENCUMBRANCE 5

Date of Creation

:

27/06/2012

Description Of Charge

:

N/A

 

Amount Secured

:

MYR7,500,000.00

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

MALAYAN BANKING BERHAD

 

 

 

 

 

 

 

 

Form 40 Dated 02/07/2012

Registered and Numbered 12 In The Register of Charges



ENCUMBRANCE 6

Date of Creation

:

15/11/2010

Description Of Charge

:

N/A

 

Amount Secured

:

N/A

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

BANGKOK BANK BERHAD

 

 

 

 

 

 

 

 

Form 40 Dated 19/11/2010

Registered and Numbered 5 In The Register of Charges



ENCUMBRANCE 7

Date of Creation

:

15/11/2010

Description Of Charge

:

N/A

 

Amount Secured

:

N/A

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

BANGKOK BANK BERHAD

 

 

 

 

 

 

 

 

Form 40 Dated 19/11/2010

Registered and Numbered 6 In The Register of Charges



ENCUMBRANCE 8

Date of Creation

:

05/03/2012

Description Of Charge

:

N/A

 

Amount Secured

:

N/A

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

BANGKOK BANK BERHAD

 

 

 

 

 

 

 

 

Form 40 Dated 09/03/2012

Registered and Numbered 7 In The Register of Charges



ENCUMBRANCE 9

Date of Creation

:

15/03/2012

Description Of Charge

:

N/A

 

Amount Secured

:

N/A

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

HSBC BANK MALAYSIA BERHAD

 

 

 

 

 

 

 

 

Form 40 Dated 22/03/2012

Registered and Numbered 8 In The Register of Charges



ENCUMBRANCE 10

Date of Creation

:

20/03/2012

Description Of Charge

:

N/A

 

Amount Secured

:

MYR5,000,000.00

Description Of Property Affected

:

N/A

 

Name & Address Of Chargee

:

HSBC BANK MALAYSIA BERHAD

 

 

 

 

 

 

 

 

Form 40 Dated 22/03/2012

Registered and Numbered 9 In The Register of Charges



ENCUMBRANCE 11

Date of Creation

:

06/05/2009

Description Of Charge

:

DEBENTURE

 

Amount Secured

:

N/A

Description Of Property Affected

:

ALL ASSETS OF COMPANY

 

Name & Address Of Chargee

:

BANGKOK BANK BHD
105, JALAN TUN H S LEE, 50000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

 

 

 

 

 

Form 40 Dated 12/05/2009

Registered and Numbered 3 In The Register of Charges



ENCUMBRANCE 12

Date of Creation

:

04/08/2009

Description Of Charge

:

LETTER OF SET OFF DATED

 

Amount Secured

:

RM9,950,000.00

Description Of Property Affected

:

FIXED DEPOSIT OF RM50,000.00 RECEIPT BDCD0900681

 

Name & Address Of Chargee

:

BANGKOK BANK BHD
105, JALAN TUN H S LEE, 50000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

 

 

 

 

 

Form 40 Dated 14/09/2009

Registered and Numbered 4 In The Register of Charges



ENCUMBRANCE 13

Date of Creation

:

15/11/2010

Description Of Charge

:

DEBENTURES

 

Amount Secured

:

N/A

Description Of Property Affected

:

CHARGED ASSETS

 

Name & Address Of Chargee

:

BANGKOK BANK BHD
105, JALAN TUN H.S. LEE, 50000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

 

 

 

 

 

Form 40 Dated 19/11/2010

Registered and Numbered 005 In The Register of Charges



ENCUMBRANCE 14

Date of Creation

:

15/11/2010

Description Of Charge

:

LETTER OF SET-OFF

 

Amount Secured

:

N/A

Description Of Property Affected

:

ALL MONEY FROM TIME TO TIME STANDING TO THE CREDIT OF THE COMPANY DEPOSITS ACCOUBT

 

Name & Address Of Chargee

:

BANGKOK BANK BHD
105, JALAN H.S. LEE, 50000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

 

 

 

 

 

Form 40 Dated 19/11/2010

Registered and Numbered 006 In The Register of Charges



ENCUMBRANCE 15

Date of Creation

:

05/03/2012

Description Of Charge

:

N/A

 

Amount Secured

:

N/A

Description Of Property Affected

:

N/A

 

 

 

 

 

 

 

Form 40 Dated 09/03/2012

Registered and Numbered 007 In The Register of Charges



ENCUMBRANCE 16

Date of Creation

:

15/03/2012

Description Of Charge

:

FIRST LEGAL CHARGE

 

Amount Secured

:

N/A

Description Of Property Affected

:

ALL PIECE OF LAND UNDER PM 1052, LOT 5515 MUKIM TANJONG MINYAK, DAERAH MELAKA TENGAH

 

Name & Address Of Chargee

:

HSBC BANK MALAYSIA BHD
777, JALAN HANG TUAH, 75300 MELAKA, MELAKA, MALAYSIA.

 

 

 

 

 

 

 

 

Form 40 Dated 22/03/2012

Registered and Numbered 008 In The Register of Charges



ENCUMBRANCE 17

Date of Creation

:

20/03/2012

Description Of Charge

:

(1) TRADE FINANCING GENERAL AGREEMENT (2) CHARGE ON SECURITY OVER DEPOSITS

 

Amount Secured

:

N/A

Description Of Property Affected

:

(1) TRADE FINANCING GENERAL AGREEMENT (2) TRADE DEPOSITS

 

Name & Address Of Chargee

:

HSBC BANK MALAYSIA BHD
777 JALAN HANG TUAH, 75300 MELAKA, MELAKA, MALAYSIA.

 

 

 

 

 

 

 

 

Form 40 Dated 22/03/2012

Registered and Numbered 009 In The Register of Charges

 

 

LEGAL CHECK AGAINST SC


* A check has been conducted in our databank againt 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

Import Countries

:

INDIA



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

[

X

]

 

Fair 91-120 Days

[

 

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

MALAYSIA

Overseas

:

YES

 

 

 

Export Market

:

SINGAPORE

Credit Term

:

30 - 60 DAYS

 

 

 

 

 

 

Payment Mode

:

CHEQUES
CHEQUESCASH

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATIONS

 

Goods Traded

:

ANIMAL FEED RAW MATERIALS

 

 

 

 

Ownership of premises

:

OWNED

 

 

Total Number of Employees:

 

YEAR

2013

2012

2011

2010

2009

 

 

GROUP

N/A

N/A

N/A

N/A

N/A

 

 

 

 

COMPANY

50

50

50

54

50

 

 

 

 

 

Branch

:

YES

 

Other Information:


The SC is principally engaged in the (as a / as an) importer of animal feed raw materials.

The SC's products ranges are including maize, starch, salt and others.

Besides that the SC also provides products based on the customers' requirements.

We were informed that the SC has warehouse located at the same premises to keep its materials and products.

According to the SC, it repacks its products into small or big quantity based on its customers' requirements.

PROJECTS


No projects found in our databank

CURRENT INVESTIGATION

Latest fresh investigations carried out on the SC indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

06-3357285

Match

:

N/A

 

 

 

Address Provided by Client

:

3 1/2 MILES, PULAU GADONG,75200,MELAKA,MELAKA.

Current Address

:

3 1/2 MILES, PULAU GADONG, 75200 MELAKA, MELAKA, 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

:

Increased

[

2007 - 2011

]

 

Profit/(Loss) Before Tax

:

Increased

[

2007 - 2011

]

 

Return on Shareholder Funds

:

Acceptable

[

20.68%

]

 

Return on Net Assets

:

Favourable

[

39.02%

]

 

 

 

 

 

 

 

 

The SC's turnover increased steadily as the demand for its products / services increased due to the goodwill built up over the years.The SC's management have been efficient in controlling its operating costs. The SC's management had generated acceptable return for its shareholders using its assets.

 

 

 

 

 

 

 

Working Capital Control

 

 

 

 

 

 

Stock Ratio

:

Favourable

[

26 Days

]

 

Debtor Ratio

:

Favourable

[

31 Days

]

 

Creditors Ratio

:

Favourable

[

7 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 SC had a favourable creditors' ratio as evidenced by its favourable collection days. The SC could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

 

 

 

 

 

 

 

Liquidity

 

 

 

 

 

 

Liquid Ratio

:

Unfavourable

[

0.79 Times

]

 

Current Ratio

:

Unfavourable

[

1.30 Times

]

 

 

 

 

 

 

 

 

A low liquid ratio means that the SC may be facing working capital deficiency. If the SC cannot obtain additional financing or injection of fresh capital, it may face difficulties in meeting its short term obligations.

 

 

 

 

 

 

 

Solvency

 

 

 

 

 

 

Interest Cover

:

Unfavourable

[

2.64 Times

]

 

Gearing Ratio

:

Favourable

[

0.13 Times

]

 

 

 

 

 

 

 

 

The SC's interest cover was low. If its profits fall or when interest rate rises, it may not be able to meet all its interest payment. The SC was lowly geared thus it had a low financial risk. The SC was mainly financed by its shareholders' funds and internally generated funds. In times of economic slowdown / downturn, the SC being a lowly geared company, will be able to compete better than those companies which are highly geared in the same industry.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overall Assessment :

 

 

 

 

 

 

Generally, the SC's performance has improved with higher turnover and profit. Due to its weak liquidity position, the SC will be faced with problems in meeting all its short term obligations if no short term loan is obtained or additional capital injected into the SC. If there is a fall in the SC's profit or any increase in interest rate, the SC may not be able to generate sufficient cash-flow to service its interest. The SC as a lowly geared company, will be more secured compared to those highly geared companies. It has the ability to meet all its long term obligations.

 

 

 

 

 

 

 

Overall financial condition of the SC : FAIR

 

 

 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2008

2009

2010

2011*

2012**

 

 

 

 

 

 

Population ( Million)

27.73

28.13

28.35

28.70

29.10

Gross Domestic Products ( % )

4.6

<0.5>

7.2

5.5

5.3

Domestic Demand ( % )

6.9

2.9

6.3

4.8

7.6

Private Expenditure ( % )

7.1

<2.7>

8.1

7.0

8.7

Consumption ( % )

8.4

0.7

6.7

6.3

7.1

Investment ( % )

1.5

<17.2>

17.7

16.2

15.9

Public Expenditure ( % )

6.5

5.2

3.8

7.6

4.7

Consumption ( % )

11.6

3.1

0.2

8.9

3.0

Investment ( % )

0.7

8.0

2.8

0.6

7.0

 

 

 

 

 

 

Balance of Trade ( MYR Million )

129,563

89,650

118,356

116,058

-

Government Finance ( MYR Million )

<34,462>

<28,450>

<40,482>

<45,511>

<43,021>

Government Finance to GDP / Fiscal Deficit ( % )

<4.8>

<4.8>

<5.6>

<5.4>

<4.7>

Inflation ( % Change in Composite CPI)

<3.3>

<5.2>

5.1

3.1

-

Unemployment Rate

3.7

4.5

3.9

3.3

-

 

 

 

 

 

 

Net International Reserves ( MYR Billion )

388

331

329

415

-

Average Risk-Weighted Capital Adequacy Ratio ( % )

1.91

2.87

2.20

3.50

-

Average 3 Months of Non-performing Loans ( % )

13.24

11.08

15.30

14.80

-

Average Base Lending Rate ( % )

6.72

5.53

6.30

6.60

-

Business Loans Disbursed( % )

11.6

10.5

14.7

15.3

-

Foreign Investment ( MYR Million )

23,261.4

22,156.8

22,517.9

23,546.1

-

Consumer Loans ( % )

-

-

-

-

-

 

 

 

 

 

 

Registration of New Companies ( No. )

41,599

41,578

44,148

-

-

Registration of New Companies ( % )

<4.0>

<0.1>

6.2

-

-

Liquidation of Companies ( No. )

27,992

39,075

25,585

-

-

Liquidation of Companies ( % )

23.7

39.6

<34.5>

-

-

 

 

 

 

 

 

Registration of New Business ( No. )

269,866

312,581

271,414

-

-

Registration of New Business ( % )

-

-

-

-

-

Business Dissolved ( No. )

18,885

19,345

19,738

-

-

Business Dissolved ( % )

<7.6>

2.4

2.0

-

-

 

 

 

 

 

 

Sales of New Passenger Cars (' 000 Unit )

497.5

486.3

543.6

363.0

-

Cellular Phone Subscribers ( Million )

25.1

30.1

32.8

35.3

-

Tourist Arrival ( Million Persons )

21.5

23.6

24.6

25.3

-

Hotel Occupancy Rate ( % )

68.0

58.0

63.0

51.3

-

 

 

 

 

 

 

Credit Cards Spending ( % )

17.1

12.8

14.1

15.6

-

Bad Cheque Offenders (No.)

34,834

36,667

33,568

27,208

-

Individual Bankruptcy ( No.)

13,907

16,228

18,119

16,155

-

Individual Bankruptcy ( % )

5.1

16.7

11.7

<10.8>

-

 

 

 

 

 

 



INDUSTRIES ( % of Growth ):

2008

2009

2010

2011*

2012**

 

 

 

 

 

 

Agriculture

3.6

0.4

2.1

4.7

4.1

Palm Oil

7.0

<1.1>

<3.4>

7.3

-

Rubber

<1.1>

<19.8>

9.9

6.4

-

Forestry & Logging

<1.5>

<5.9>

<3.3>

<4.7>

-

Fishing

4.0

5.5

5.6

2.8

-

Other Agriculture

5.9

9.0

7.9

8.5

-

Industry Non-Performing Loans ( MYR Million )

393.0

413.7

508.4

634.1

-

% of Industry Non-Performing Loans

<2.0>

1.3

2.1

3.2

-

 

 

 

 

 

 

Mining

<0.8>

<3.8>

0.2

<2.4>

2.5

Oil & Gas

12.7

2.1

0.5

<1.7>

-

Other Mining

-

-

-

-

-

Industry Non-performing Loans ( MYR Million )

36.0

44.2

49.7

46.5

-

% of Industry Non-performing Loans

0.1

0.1

0.1

0.1

-

 

 

 

 

 

 

Manufacturing #

1.3

<9.4>

11.4

5.6

4.5

Exported-oriented Industries

2.7

<19.0>

12.1

2.8

-

Electrical & Electronics

2.4

<30.3>

28.4

<4.9>

-

Rubber Products

4.2

<10.1>

25.3

15.4

-

Wood Products

<6.0>

<24.1>

20.1

<7.3>

-

Textiles & Apparel

1.9

<19.5>

<0.4>

14.8

-

Domestic-oriented Industries

9.9

<9.8>

16.3

6.3

-

Food, Beverages & Tobacco

9.5

0.2

3.0

4.2

-

Chemical & Chemical Products

1.4

<7.7>

16.2

5.6

-

Plastic Products

6.5

<9.1>

2.4

3.8

-

Iron & Steel

16.8

<32.7>

29.3

2.4

-

Fabricated Metal Products

14.7

<2.5>

14.9

25.2

-

Non-metallic Mineral

8.3

<15.5>

20.2

16.3

-

Transport Equipment

27.1

<13.5>

36.5

<9.4>

-

Paper & Paper Products

8.6

<5.0>

18.7

15.6

-

Crude Oil Refineries

7.8

0.2

<11.4>

9.3

-

Industry Non-Performing Loans ( MYR Million )

5,729.4

6,007.3

6,217.5

6,537.2

-

% of Industry Non-Performing Loans

16.8

18.3

23.8

25.7

-

 

 

 

 

 

 

Construction

2.1

5.8

5.1

4.4

7.0

Industry Non-Performing Loans ( MYR Million )

4,149.8

3,241.8

4,038.5

3,856.9

-

% of Industry Non-Performing Loans

12.2

9.9

10.7

10.2

-

 

 

 

 

 

 

Services

7.3

2.6

6.5

6.4

6.5

Electric, Gas & Water

5.0

0.4

8.5

5.6

4.8

Transport, Storage & Communication

7.8

1.6

7.7

6.5

7.3

Wholesale, Retail, Hotel & Restaurant

10.0

2.8

4.7

5.2

6.9

Finance, Insurance & Real Estate

9.2

3.8

6.1

6.3

6.5

Government Services

8.6

2.0

6.7

7.6

5.6

Other Services

5.9

4.4

4.2

5.4

5.7

Industry Non-Performing Loans ( MYR Million )

8,281.4

6,631.3

7,384.6

6,825.2

-

% of Industry Non-Performing Loans

24.3

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

46902 : Wholesale of animal/pet food

 

 

INDUSTRY :

TRADING

 

 

 


The wholesale and retail trade sector grew 7.1% in the first half of the year 2011 supported by strong consumer spending amid favourable labour market conditions and sustained disposable income. This was reflected in the higher distributive trade index which increased 15.9%, with wholesale and retail trade indices increasing 19.2% and 7.8%, respectively.


It is anticipated that the retail industry will grow 6.0 per cent in the year 2012.


Malaysia's retail sector for 2011 is expected to grow 6 per cent or RM81.59 billion worth of retail sales, similar to the year 2010, due to concerns of high oil prices, declining purchasing power and high cost of doing business. The Middle East and North Africa civil wars have caused the world oil prices to climb. This has led to further rise in the cost of running retail businesses, especially in terms of transportation cost. Many retailers have no choice but to pass the increased cost to end consumers. At the same time, natural disasters (tsunamis, floods, droughts, snow storms, tornadoes and earthquakes) that occurred in all parts of the world has also led to a shortage in the supply of food and raw materials. The phenomenon has pushed retail prices up.In addition, the continual removal of government subsidies since 2010 has pushed inflation upwards. Consequently, rising prices of retail goods contributed to an expectation of moderate performance.


During the first seven months of 2011, other consumption indicators such as imports of consumption goods and credit card spending increased 12.8% and 11.8%, respectively. Sales of motor vehicles declined 3% on account of supply chain disruptions following devastating March 2011 earthquake and tsunami in Japan.


Growth of the sector is anticipated to remain encouraging with ongoing efforts by the Government to increase its contribution to the economy. Major initiatives include increasing the number of large format stores such as hypermarkets, superstores and departmental stores are carried out to boost the economy.


Meanwhile, the Government has introduced the Retail Shop Transformation (TUKAR) programme. Under this programme, selected large format retailers will assist small retailers to improve their premises and layout which include attractive product display shelves, enhanced lighting and point-of-sales system to manage product inventory,

 

 

OVERALL INDUSTRY OUTLOOK : Average Growth



 

 

CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 1984, the SC is a Private Limited company, focusing on importer of animal feed raw materials, importer of animal feed raw materials. With over 2 decades of experience in the business, the SC has fairly rich experiences in the business and has achieved a certain market share. It has built up a strong clientele base and satisfactory reputation will enable the SC to further enhance its business in the near term. The SC is expected to enjoy a stable market shares. Having strong support from its shareholder has enabled the SC to remain competitive despite the challenging business environment. The capital standing of the SC is fair. With an adequate share capital, the SC has the potential of expanding its business in future.


Over the years, the SC has penetrated into both the local and overseas market. The SC has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the SC to further enhance its business in the near term. The SC is operating on a medium scale and it has approximately 50 employees in its business operations. Overall, we regard that the SC's management capability is average. This indicates that the SC has greater potential to improve its business performance and raising income for the SC.


We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. Return on shareholders' funds of the SC was at an acceptable range which indicated that the management was efficient in utilising its funds to generate income. Due to its weak liquidity position, the SC may face working capital deficiency in meeting its short term financial obligations if no fresh capital are injected into the SC. Being a lowly geared company, the SC is exposed to low financial risk as it is mainly dependent on its internal funds to finance its business needs. Given a positive net worth standing at MYR 7,512,419, 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 payment habit is average. With its adequate working capital, the SC should be able to pay its short term debts.


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)

PERKHIDMATAN KARGO TUMPATAN SDN BHD

 

Financial Year End

31/08/2011

31/08/2010

31/08/2009

31/08/2008

31/08/2007

Months

12

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Company

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

138,717,015

118,333,272

87,655,583

36,591,387

24,224,212

Other Income

2,225,633

1,984,831

-

-

-

 

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

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

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

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

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

Total Turnover

140,942,648

120,318,103

87,655,583

36,591,387

24,224,212

Costs of Goods Sold

<131,032,757>

<110,092,269>

-

-

-

 

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

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

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

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

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

Gross Profit

9,909,891

10,225,834

-

-

-

 

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

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

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

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

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

 

 

 

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

1,937,626

1,551,308

1,484,114

1,049,884

327,350

 

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

1,937,626

1,551,308

1,484,114

1,049,884

327,350

Taxation

<383,904>

<424,362>

<446,747>

<317,561>

<142,056>

 

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

1,553,722

1,126,946

1,037,367

732,323

185,294

 

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

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

 

 

 

As previously reported

4,108,682

2,981,736

2,094,370

1,362,047

1,351,955

 

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

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

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

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

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

As restated

4,108,682

2,981,736

2,094,370

1,362,047

1,351,955

 

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

5,662,404

4,108,682

3,131,737

2,094,370

1,537,249

DIVIDENDS - Ordinary (paid & proposed)

<150,001>

-

<150,001>

-

<175,202>

 

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

5,512,403

4,108,682

2,981,736

2,094,370

1,362,047

 

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

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

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

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

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

 

 

 

 

 

 

INTEREST EXPENSE (as per notes to P&L)

 

 

 

 

 

Bank overdraft

13,073

5,426

14,856

25,125

41,686

Hire purchase

39,279

57,203

34,929

40,946

34,348

Term loan / Borrowing

61,370

-

-

-

-

Trust receipts

1,063,961

688,794

704,499

613,358

399,781

Others

5,216

4,740

4,987

4,870

-

 

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

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

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

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

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

 

1,182,899

756,163

759,271

684,299

475,815

 

 

 

BALANCE SHEET

 

 

PERKHIDMATAN KARGO TUMPATAN SDN BHD

 

ASSETS EMPLOYED:

 

 

 

 

 

FIXED ASSETS

2,150,342

1,263,591

994,200

660,060

557,840

 

 

 

 

 

 

LONG TERM INVESTMENTS/OTHER ASSETS

 

 

 

 

 

Investments

500

500

500

500

900

 

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

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

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

500

500

500

500

900

 

 

 

 

 

 

 

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

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

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

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

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

TOTAL LONG TERM ASSETS

2,150,842

1,264,091

994,700

660,560

558,740

 

 

 

 

 

 

CURRENT ASSETS

 

 

 

 

 

Stocks

9,929,469

3,291,543

5,447,675

3,212,299

1,505,618

Trade debtors

11,740,488

10,830,872

10,989,169

11,897,305

7,704,575

Other debtors, deposits & prepayments

544,124

861,511

1,164,639

80,412

86,194

Short term deposits

1,274,432

1,265,475

1,088,750

520,000

20,000

Amount due from director

13,695

15,809

17,673

-

-

Cash & bank balances

1,450,048

1,702,588

2,201,110

319,155

74,304

Others

216,579

18,791

-

-

-

 

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

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

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

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

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

TOTAL CURRENT ASSETS

25,168,835

17,986,589

20,909,016

16,029,171

9,390,691

 

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

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

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

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

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

TOTAL ASSET

27,319,677

19,250,680

21,903,716

16,689,731

9,949,431

 

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

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

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

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

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

 

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

 

Trade creditors

2,461,916

1,353,403

10,040,052

2,995,965

929,830

Other creditors & accruals

802,330

359,543

302,716

1,317,128

191,876

Hire purchase & lease creditors

324,756

503,650

355,890

174,587

83,973

Bank overdraft

-

-

-

433,381

203,757

Short term borrowings/Term loans

191,478

183,050

166,321

-

-

Bill & acceptances payable

15,542,292

9,706,843

4,581,528

6,891,784

4,834,887

Amounts owing to director

-

45,000

45,000

300,005

-

Provision for taxation

-

-

131,802

180,255

54,121

 

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

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

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

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

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

TOTAL CURRENT LIABILITIES

19,322,772

12,151,489

15,623,309

12,293,105

6,298,444

 

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

5,846,063

5,835,100

5,285,707

3,736,066

3,092,247

 

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

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

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

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

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

TOTAL NET ASSETS

7,996,905

7,099,191

6,280,407

4,396,626

3,650,987

 

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

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

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

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

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

 

 

 

 

 

 

SHARE CAPITAL

 

 

 

 

 

Ordinary share capital

2,000,016

2,000,016

2,000,016

2,000,016

2,000,016

 

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

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

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

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

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

TOTAL SHARE CAPITAL

2,000,016

2,000,016

2,000,016

2,000,016

2,000,016

 

 

 

 

 

 

RESERVES

 

 

 

 

 

Retained profit/(loss) carried forward

5,512,403

4,108,682

2,981,736

2,094,370

1,362,047

 

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

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

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

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

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

TOTAL RESERVES

5,512,403

4,108,682

2,981,736

2,094,370

1,362,047

 

 

 

 

 

 

 

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

7,512,419

6,108,698

4,981,752

4,094,386

3,362,063

 

 

 

 

 

 

LONG TERM LIABILITIES

 

 

 

 

 

Long term loans

484,486

670,865

833,679

-

-

Hire purchase creditors

-

319,628

464,976

302,240

288,924

 

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

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

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

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

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

TOTAL LONG TERM LIABILITIES

484,486

990,493

1,298,655

302,240

288,924

 

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

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

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

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

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

 

7,996,905

7,099,191

6,280,407

4,396,626

3,650,987

 

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

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

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

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

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

 

 

 

 

 

 

 

 

 

FINANCIAL RATIO

 

 

PERKHIDMATAN KARGO TUMPATAN SDN BHD

 

TYPES OF FUNDS

 

 

 

 

 

Cash

2,724,480

2,968,063

3,289,860

839,155

94,304

Net Liquid Funds

2,724,480

2,968,063

3,289,860

405,774

<109,453>

Net Liquid Assets

<4,083,406>

2,543,557

<161,968>

523,767

1,586,629

Net Current Assets/(Liabilities)

5,846,063

5,835,100

5,285,707

3,736,066

3,092,247

Net Tangible Assets

7,996,905

7,099,191

6,280,407

4,396,626

3,650,987

Net Monetary Assets

<4,567,892>

1,553,064

<1,460,623>

221,527

1,297,705

BALANCE SHEET ITEMS

 

 

 

 

 

Total Borrowings

1,000,720

1,677,193

1,820,866

910,208

576,654

Total Liabilities

19,807,258

13,141,982

16,921,964

12,595,345

6,587,368

Total Assets

27,319,677

19,250,680

21,903,716

16,689,731

9,949,431

Net Assets

7,996,905

7,099,191

6,280,407

4,396,626

3,650,987

Net Assets Backing

7,512,419

6,108,698

4,981,752

4,094,386

3,362,063

Shareholders' Funds

7,512,419

6,108,698

4,981,752

4,094,386

3,362,063

Total Share Capital

2,000,016

2,000,016

2,000,016

2,000,016

2,000,016

Total Reserves

5,512,403

4,108,682

2,981,736

2,094,370

1,362,047

LIQUIDITY (Times)

 

 

 

 

 

Cash Ratio

0.14

0.24

0.21

0.07

0.01

Liquid Ratio

0.79

1.21

0.99

1.04

1.25

Current Ratio

1.30

1.48

1.34

1.30

1.49

WORKING CAPITAL CONTROL (Days)

 

 

 

 

 

Stock Ratio

26

10

23

32

23

Debtors Ratio

31

33

46

119

116

Creditors Ratio

7

4

42

30

14

SOLVENCY RATIOS (Times)

 

 

 

 

 

Gearing Ratio

0.13

0.27

0.37

0.22

0.17

Liabilities Ratio

2.64

2.15

3.40

3.08

1.96

Times Interest Earned Ratio

2.64

3.05

2.95

2.53

1.69

Assets Backing Ratio

4.00

3.55

3.14

2.20

1.83

PERFORMANCE RATIO (%)

 

 

 

 

 

Operating Profit Margin

1.40

1.31

1.69

2.87

1.35

Net Profit Margin

1.12

0.95

1.18

2.00

0.76

Return On Net Assets

39.02

32.50

35.72

39.44

22.00

Return On Capital Employed

37.50

30.35

33.80

34.65

20.39

Return On Shareholders' Funds/Equity

20.68

18.45

20.82

17.89

5.51

Dividend Pay Out Ratio (Times)

0.10

0.00

0.14

0.00

0.95

NOTES TO ACCOUNTS

 

 

 

 

 

Contingent Liabilities

0

0

0

0

0



 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.52.97

UK Pound

1

Rs.83.17

Euro

1

Rs.72.20

 

 

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%)

 

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.