MIRA INFORM REPORT

 

 

Report Date :

12.02.2013

 

IDENTIFICATION DETAILS

 

Name :

SNOWMAN LOGISTICS LIMITED (w.e.f. 17.03.2011)

 

 

Formerly Known As :

SNOWMAN FROZEN FOODS LIMITED

 

 

Registered Office :

Sy. No. 36/1, Virgonagar, Old Madras Road, Bandapura Village, Bidarehalli Hobli, Bangalore – 560 049, Karnataka

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

17.03.1993

 

 

Com. Reg. No.:

08-48636

 

 

Capital Investment / Paid-up Capital :

Rs.1029.070 Millions

 

 

CIN No.:

[Company Identification No.]

U15122KA1993PLC048636

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

BLRS03089C

 

 

PAN No.:

[Permanent Account No.]

AAFCS3514H

 

 

Legal Form :

A Closely held Public Limited Liability Company

 

 

Line of Business :

Service provider of Cold Storage Transportation

 

 

No. of Employees :

500 (Approximately)

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (30)

 

RATING

STATUS

PROPOSED CREDIT LINE

 

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 4400000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having moderate track record. Reserves of the company appears to be low. However, trade relations are reported as fair. Business is active. Payments are reported to be slow but correct.

 

The company can be considered for business dealings with some cautions.

 

NOTES :

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

 

INDIAN ECONOMIC OVERVIEW

 

India is developing into an open-market economy, yet traces of its past autarkic policies remain. Economic liberalization, including industrial deregulation, privatization of state-owned enterprises, and reduced controls on foreign trade and investment, began in the early 1990s and has served to accelerate the country's growth, which has averaged more than 7% per year since 1997. India's diverse economy encompasses traditional village farming, modern agriculture, handicrafts, a wide range of modern industries, and a multitude of services. Slightly more than half of the work force is in agriculture, but services are the major source of economic growth, accounting for more than half of India's output, with only one-third of its labor force. India has capitalized on its large educated English-speaking population to become a major exporter of information technology services and software workers. In 2010, the Indian economy rebounded robustly from the global financial crisis - in large part because of strong domestic demand - and growth exceeded 8% year-on-year in real terms. However, India's economic growth in 2011 slowed because of persistently high inflation and interest rates and little progress on economic reforms. High international crude prices have exacerbated the government's fuel subsidy expenditures contributing to a higher fiscal deficit, and a worsening current account deficit. Little economic reform took place in 2011 largely due to corruption scandals that have slowed legislative work. India's medium-term growth outlook is positive due to a young population and corresponding low dependency ratio, healthy savings and investment rates, and increasing integration into the global economy. India has many long-term challenges that it has not yet fully addressed, including widespread poverty, inadequate physical and social infrastructure, limited non-agricultural employment opportunities, scarce access to quality basic and higher education, and accommodating rural-to-urban migration.

Source : CIA

 

 

RBI DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

 

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2012.

 

LOCATIONS

 

Registered Office :

Sy. No. 36/1, Virgonagar, Old Madras Road, Bandapura Village, Bidarehalli Hobli, Bangalore – 560 049, Karnataka, India

Tel. No.:

91-80-40250400

Fax No.:

91-80-40250400

E-Mail :

sundar@snowman.in

info@snowman.in

Website :

http://www.snowman.in

 

 

DIRECTORS

 

As on 10.09.2012

 

Name :

Mr. Prem Krishan Dass Gupta

Designation :

Director

Address :

94, Sainik Farm, Khanpur, New Delhi - 110 062, India

Date of Birth/Age :

22.02.1958

Qualification :

B. Sc.

Date of Appointment :

22.11.2006

DIN No.:

00011670

 

Name :

Mr. Saroosh Cowasjee Dinshaw

Designation :

Director

Address :

Adenwalla Baug, Tardeo Road, Nana Chowk, Opposite Shastri Hall, Mumbai -400 007, Maharashtra, India

Date of Birth/Age :

11.08.1970

Qualification :

B.Com, LLB, MBA

Date of Appointment :

22.11.2006

DIN No.:

00034110

 

Name :

Mr. Shabbir Hakimuddin Hassanbhai

Designation :

Director

Address :

36, Keppel Bay Drive, # 05-78, Caribbean at Keppel Bay, Singapore - 098653

Date of Birth/Age :

10.11.1946

Qualification :

Associate of Certified and Corporate accountants, UK

Date of Appointment :

22.11.2006

DIN No.:

00268133

 

Name :

Mr. Gopinath Pillai

Designation :

Director

Address :

67, HUA Guan Avenue, Singapore – 589163

Date of Birth/Age :

18.09.1937

Qualification :

BA Graduate

Date of Appointment :

22.11.2006

DIN No.:

00268337

 

Name :

Mr. Keiichi Nakagaki

Designation :

Director

Address :

27, Golf Links, New Delhi - 110 003, India

Date of Birth/Age :

10.06.1952

Qualification :

Bachelor of Economics

Date of Appointment :

27.05.2008

DIN No.:

02165974

 

Name :

Kannan  Ravindran Naidu

Designation :

Director

Address :

003, SPRUCE, G Block, Rahija Koramangala, Bangalore - 560 034, Karnataka, India

Date of Birth/Age :

10.05.1959

Qualification :

B. Com, MCA and Certification in Logistics from IIT Delhi

Date of Appointment :

30.09.2009

DIN No.:

02813755

 

 

KEY EXECUTIVES

 

Name :

Mr. Sundar Mangadu Agaram

Designation :

Company Secretary

Address :

194, Panduranga Nagar, Bannergetta Road, Bangalore - 560 076, Karnataka, India

Date of Birth/Age :

30.07.1962

Date of Appointment :

16.10.2007

PAN No.:

AABPS2314Q

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 10.09.2012

 

Names of Shareholders

 

No. of Shares

 

 

 

Mitsubishi Corporation, Japan

 

15641000

Mitsubishi Logistics Corporation, Japan

 

3632000

Nichirei Logistics Corporation, Japan

 

7400000

Gateway Distriparks Limited, India 

 

54711518

Prem Kishan Gupta (Jointly With Gateway Distriparks Limited, India)

 

101

Laguna International Private Limited , Singapore

 

952381

International Finance Corporation, USA

 

20570000

Total

 

102907000

 

As on 10.09.2012

 

Equity Share Breakup

 

Percentage of Holding

Category

 

 

Foreign holdings( Foreign institutional investor(s), Foreign companie(s) Foreign financial institution(s), Non-resident Indian(s) or Overseas Corporate bodies or Others

 

46.83

 

Bodies corporate

 

53.17

Total

 

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Service provider of Cold Storage Transportation.

 

 

GENERAL INFORMATION

 

No. of Employees :

500 (Approximately)

 

 

Bankers :

·         Axis Bank Limited, Unit No.6, Corporate Park, Sion Trombay Road, Chembur (East), Mumbai – 400 071, Maharashtra, India

 

·         Centurion Bank Limited, No. 102, Raheja Plaza,  D’Souza Circle, 17, Commissariat Road, Bangalore – 560 025, Karnataka, India 

 

·         Indusind Bank Limited, Dup Arc Trinity, West Wing, No.17, 1st Floor, M. G. Road, Bangalore- 560001, Karnataka, India

 

·         The Bank of Tokyo-Mitsuishi Limited, 563/2, Anna Salai, Teynampet, Chennai – 600018, Tamilnadu, India  

 

 

 

Banking Relations :

--

 

 

Financial Institution:

 

International Finance Corporation, 2121, Pennsylvania Avenue NW, Washington DC, Washington – 20433, United States of America   

 

 

Auditors :

 

Name :

Price Waterhouse

Chartered Accountants

Address :

5th Floor, Tower D, The Millenia, 1 and 2 Murphy Road, Ulsoor, Bangalore - 560 008, Karnataka, India

PAN No.:

AAEFP5579P

 

 

Holding company:

Gateway Distriparks Limited

CIN No.: L74899MH1994PLC164024

 

 

Fellow Subsidiaries:

·         Gateway East India Private Limited

·         Gateway Distriparks (South) Private Limited

·         Gateway Distriparks (Kerala) Limited

·         Gateway Rail Freight Limited

 

 

CAPITAL STRUCTURE

 

As on 31.03.2012

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

125000000

Equity Shares

Rs.10/- each

Rs.1250.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

102907000

Equity Shares

Rs.10/- each

Rs.1029.070 Millions

 

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2012

31.03.2011

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

1029.070

1029.070

1029.070

2] Share Application Money

0.000

0.000

0.000

3] Reserves & Surplus

72.728

9.172

90.666

4] (Accumulated Losses)

0.000

0.000

(145.945)

NETWORTH

1101.798

1038.242

973.791

LOAN FUNDS

 

 

 

1] Secured Loans

0.000

0.000

0.000

2] Unsecured Loans

0.000

0.000

0.000

TOTAL BORROWING

0.000

0.000

0.000

DEFERRED TAX LIABILITIES

43.634

9.541

0.000

 

 

 

 

TOTAL

1145.432

1047.783

973.791

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

743.603

573.347

298.890

Capital work-in-progress

105.180

60.735

115.404

 

 

 

 

INVESTMENT

0.000

0.000

0.000

DEFERREX TAX ASSETS

0.000

0.000

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

0.537

0.000

0.000

 

Sundry Debtors

126.797
102.345
86.694

 

Cash & Bank Balances

131.456
293.126
441.456

 

Other Non-Current Assets

11.196
0.000
0.000

 

Other Current Assets

1.261

0.000

0.000

 

Loans & Advances

105.989
79.542
85.449

Total Current Assets

377.236
475.013
613.599

Less : CURRENT LIABILITIES & PROVISIONS

 
 

 

 

Sundry Creditors

39.431
55.180
47.119

 

Other Current Liabilities

37.315
4.700
5.177

 

Provisions

3.841
1.432
1.806

Total Current Liabilities

80.587
61.312
54.102

Net Current Assets

296.649
413.701
559.497

 

 

 

 

MISCELLANEOUS EXPENSES

0.000

0.000

0.000

 

 

 

 

TOTAL

1145.432

1047.783

973.791

 

 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

 

31.03.2012

 

SALES

 

 

 

 

 

Income

 

 

613.956

 

 

Other Income

 

 

28.014

 

 

TOTAL                                     (A)

 

 

641.970

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Purchases of stock-in-trade

 

 

3.873

 

 

Changes in inventories of finished goods, work-in-progress and stock-in-trade

 

 

(0.536)

 

 

Employee benefit expense

 

 

92.999

 

 

Expenditure on production, transportation and other expenditure pertaining to E&P activities

 

 

316.420

 

 

Other expenses

 

 

72.267

 

 

TOTAL                                     (B)

 

 

485.023

 

 

 

 

 

Less

PROFIT BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B)      (C)

 

 

156.947

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

 

 

0.529

 

 

 

 

 

 

PROFIT BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D)                                       (E)

 

 

156.418

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

 

 

58.768

 

 

 

 

 

 

PROFIT BEFORE TAX (E-F)                               (G)

 

 

97.650

 

 

 

 

 

Less

TAX                                                                  (H)

 

 

34.094

 

 

 

 

 

 

PROFIT AFTER TAX (G-H)                                (I)

 

 

63.556

 

 

 

 

 

 

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

 

 

(81.493)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

 

(17.937)

 

 

 

 

 

 

TOTAL IMPORTS

 

 

6.778

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

 

0.62

 


PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

 

 

31.03.2011

31.03.2010

 

SALES

 

 

 

 

 

Income from Services

 

451.661

345.699

 

 

Other Income

 

24.239

23.325

 

 

TOTAL                                     (A)

 

475.900

369.024

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Cost of Services Rendered

 

235.918

178.702

 

 

Employee Cost

 

71.995

60.784

 

 

Administrative and Other Expenses

 

53.730

51.618

 

 

TOTAL                                     (B)

 

361.643

291.104

 

 

 

 

 

Less

PROFIT/(LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B)      (C)

 

114.257

77.920

 

 

 

 

 

Less

INTEREST AND FINANCIAL EXPENSES            (D)

 

0.060

0.458

 

 

 

 

 

 

PROFIT/(LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D)                               (E)

 

114.197

77.462

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

 

40.205

36.099

 

 

 

 

 

 

PROFIT/(LOSS) BEFORE TAX (E-F)                   (G)

 

73.992

41.363

 

 

 

 

 

Less

TAX                                                                  (H)

 

9.540

0.000

 

 

 

 

 

 

PROFIT/(LOSS) AFTER TAX (G-H)                    (I)

 

64.452

41.363

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

 

(145.945)

(187.309)

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

 

(81.493)

(145.945)

 

 

 

 

 

 

Earnings Per Share (Rs.)

 

0.63

0.50

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

PAT / Total Income

(%)

9.90
13.54
11.21

 

 

 
 
 

Net Profit Margin

(PBT/Sales)

(%)

15.91
16.38
11.97

 

 

 
 
 

Return on Total Assets

(PBT/Total Assets}

(%)

8.71
7.06
4.53

 

 

 
 
 

Return on Investment (ROI)

(PBT/Networth)

 

0.09
0.07
0.04

 

 

 
 
 

Debt Equity Ratio

(Total Debt/Networth)

 

0.00
0.00
0.00

 

 

 
 
 

Current Ratio

(Current Asset/Current Liability)

 

4.68
7.45
11.34

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Sr. No.

Check List by Info Agents

Available in Report (Yes / No)

1]

Year of Establishment

Yes

2]

Locality of the firm

Yes

3]

Constitutions of the firm

Yes

4]

Premises details

No

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

No

9]

Name of person contacted

No

10]

Designation of contact person

No

11]

Turnover of firm for last three years

Yes

12]

Profitability for last three years

Yes

13]

Reasons for variation <> 20%

--

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

Yes

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

No

20]

Export / Import details (if applicable)

No

21]

Market information

--

22]

Litigations that the firm / promoter involved in

--

23]

Banking Details

Yes

24]

Banking facility details

No

25]

Conduct of the banking account

--

26]

Buyer visit details

--

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

Yes

30]

Major Shareholders, if available

Yes

31]

Date of Birth of Proprietor/Partner/Director, if available

Yes

32]

PAN of Proprietor/Partner/Director, if available

No

33]

Voter ID No of Proprietor/Partner/Director, if available

No

34]

External Agency Rating, if available

No

 

NOTE:

 

The company changed its registered office from Amalgam House, Bristow Road Willingdon Island, Cochin 3, Earnakulam – 682 003, Kerala India to Plot No. 276/5-1, 277/7, Ezhupunna Village, Eramalloor (PO), Sherthala Taluk, Ezhupunna Village, Alappuzha – 688 537, Kerala, India to w.e.f. 12.07.2007.

 

The Registered Office has again shifted from Plot No. 276/5-1, 277/7, Ezhupunna Village, Eramalloor (PO), Sherthala Taluk, Ezhupunna Village, Alappuzha – 688 537, Kerala, India to No. 424, 4th Main, 6th Cross, OMBR Layout, Banaswadi, Bangalore – 560 043, Karnataka, India w.e.f. 27.11.2008.  

 

The Registered Office has again shifted from No. 424, 4th Main, 6th Cross, OMBR Layout, Banaswadi, Bangalore – 560 043, Karnataka, India to the present address w.e.f. 28.01.2011.

 

PERFORMANCE

 

The Company, made a pre tax profit of Rs.97.650 Millions for the year 2011-12 against Rs.73.990 Millions for the previous year at a growth of 32%. However the post tax profit has remained flat at Rs.63.560 Millions as against Rs.64.450 Millions during the previous year. The reason for this being the recognition of deferred tax during the year.

 

The Gross Revenue of the company from Freezer Division and Transportation divisions increased by 36% and 38% respectively during the year.

 

In case of Freezer Division, the new warehouse at Mumbai (3,000 pallets) has commenced operations and has already achieved 100% occupancy levels. Year 2012-13 is projected to be the year of expansion. The warehousing capacity is projected to increase from 18,180 as on 31st March 2012 to 46,340 by 31st March 2013. Construction in this regard is already underway at the various locations. The expansion is being funded through term loans from HDFC (Rs.500.000 Millions) and IFC (Rs.300.000 Millions) as well as internal accruals. While the impact of the expansion on the financials in 2012-13 will be only marginal, we are confident that all the expanded capacities will function at 100% occupancy during the year 2013-14.

 

The other verticals namely transportation and consignment agency have also shown healthy growth figures.

 

FORM 8

 

This form is for

Creation of charge

Corporate identity number of the company

U15122KA1993PLC048636

Name of the company

SNOWMAN FROZEN FOODS LIMITED

Address of the registered office or of the principal place of  business in India of the company

Sy. No. 36/1, Virgonagar, Old Madras Road, Bandapura Village, Bidarehalli Hobli, Bangalore – 560 049, Karnataka, India

E-Mail Id : sundar@snowman.in 

Type of charge

·         Book debts

·         Movable Properties

·         Others (Current Assets other than book debts)

·         Goodwill

·         Patent, license under a patent

·         Trademark

·         Copyright or license under a copyright

Particular of charge holder

International Finance Corporation, 2121, Pennsylvania Avenue NW, Washington DC, Washington – 20433, United States of America

E-Mail Id : CSA-Portfolio@ifc.org    

Nature of description of the instrument creating or modifying the charge

Unattested Memorandum of Hypothecation

Date of instrument Creating the charge

20.12.2012

Amount secured by the charge

Rs.300.000 Millions

Brief particulars of the principal terms an conditions and extent and operation of the charge

Rate of interest

4% Over Six-Month USD LIBOR subject to adjustments as per the loan agreement.

 

Terms of repayment

Twelve (12) equal installments payable on the Interest Payment Dates, with the first repayment falling due on the Interest Payment Date falling immediately after the second anniversary of the first Disbursement as per the loan agreement.

 

Margin

None

 

Extent and operation of the charge

Pari passu first ranking charge over Movable Fixed Assets, Stocks, Book Debts, Intangible assets of the Company.

Short particulars of the property charged

The entire movable plant, machinery and equipment, including all the spares and all other movable assets such as furniture, fixtures, fittings, installations, vehicles, office equipment, computers and all.

 

other fixed assets of the Company both present and Future, belonging or hereafter belonging to or at the disposal of the Company more specified in Clause 3 of the Deed. All of the Company's present and Future stock in-trade, raw materials, spares consumable stores, semi finished goods, goods in process of manufacturing, finished and manufactured goods and all the other merchandise belonging to or at the disposal of the Company more specified in Clause 3 of the Deed. All of the Company's present and Future book debts, outstanding monies, receivables, claims, bills, cash in hand, investments, at the disposal of the Company more specified in Clause 3 of the Deed. All of the Company's present and Future book debts, outstanding monies, receivables, claims, bills, cash in hand, investments, securities, contracts, claims in action, rights to or in movable properties and movable assets forming part of current assets which are now due and owing or payable or belonging to the company more specified in Clause 3 of the Deed.

 

All intangible assets of the Company both present and future, including all intellectual Property("Intangible Assets") .

 

FIXED ASSETS

 

·         Land

·         Building

·         Plant and Machinery

·         Computer Equipment

·         Furniture and Fixtures

·         Office Equipments

·         Motor Vehicles 

 


 

CMT REPORT (Corruption, Money Laundering & Terrorism]

 

The Public Notice information has been collected from various sources including but not limited to: The Courts, India Prisons Service, Interpol, etc.

 

1]         INFORMATION ON DESIGNATED PARTY

No exist designating subject or any of its beneficial owners, controlling shareholders or senior officers as terrorist or terrorist organization or whom notice had been received that all financial transactions involving their assets have been blocked or convicted, found guilty or against whom a judgement or order had been entered in a proceedings for violating money-laundering, anti-corruption or bribery or international economic or anti-terrorism sanction laws or whose assets were seized, blocked, frozen or ordered forfeited for violation of money laundering or international anti-terrorism laws.

 

2]         Court Declaration :

No exist to suggest that subject is or was the subject of any formal or informal allegations, prosecutions or other official proceeding for making any prohibited payments or other improper payments to government officials for engaging in prohibited transactions or with designated parties.

 

3]         Asset Declaration :

No records exist to suggest that the property or assets of the subject are derived from criminal conduct or a prohibited transaction.

 

4]         Record on Financial Crime :

            Charges or conviction registered against subject:                                                              None

 

5]         Records on Violation of Anti-Corruption Laws :

            Charges or investigation registered against subject:                                                          None

 

6]         Records on Int’l Anti-Money Laundering Laws/Standards :

            Charges or investigation registered against subject:                                                          None

 

7]         Criminal Records

No available information exist that suggest that subject or any of its principals have been formally charged or convicted by a competent governmental authority for any financial crime or under any formal investigation by a competent government authority for any violation of anti-corruption laws or international anti-money laundering laws or standard.

 

8]         Affiliation with Government :

No record exists to suggest that any director or indirect owners, controlling shareholders, director, officer or employee of the company is a government official or a family member or close business associate of a Government official.

 

9]         Compensation Package :

Our market survey revealed that the amount of compensation sought by the subject is fair and reasonable and comparable to compensation paid to others for similar services.

 

10]        Press Report :

            No press reports / filings exists on the subject.


 

CORPORATE GOVERNANCE

 

MIRA INFORM as part of its Due Diligence do provide comments on Corporate Governance to identify management and governance. These factors often have been predictive and in some cases have created vulnerabilities to credit deterioration.

 

Our Governance Assessment focuses principally on the interactions between a company’s management, its Board of Directors, Shareholders and other financial stakeholders.

 

CONTRAVENTION

 

Subject is not known to have contravened any existing local laws, regulations or policies that prohibit, restrict or otherwise affect the terms and conditions that could be included in the agreement with the subject.

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.53.57

UK Pound

1

Rs.84.25

Euro

1

Rs.71.79

 

INFORMATION DETAILS

 

Report Prepared by :

BSN


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

5

OPERATING SCALE

1~10

3

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

4

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--CREDIT LINES

1~10

2

--MARGINS

-5~5

--

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

YES

--LITIGATION

YES/NO

NO

--OTHER ADVERSE INFORMATION

YES/NO

NO

MERIT POINTS

 

 

--SOLE DISTRIBUTORSHIP

YES/NO

NO

--EXPORT ACTIVITIES

YES/NO

NO

--AFFILIATION

YES/NO

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

TOTAL

 

30

 

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%)


 

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

 

-

 

 

 

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.