MIRA INFORM REPORT

 

 

Report Date :

05.01.2013

 

IDENTIFICATION DETAILS

 

Name :

BOEHRINGER INGELHEIM AB

 

 

Registered Office :

Liljeholmsstranden 3 PO Box 47608 Stockholm, SE 117 94

 

 

Country :

Sweden

 

 

Financials (as on) :

31.12.2011

 

 

Year of Incorporation :

1965

 

 

Com. Reg. No.:

5561030650

 

 

Legal Form :

Private Subsidiary

 

 

Line of Business :

Manufacture of pharmaceutical preparations

 

 

No. of Employees :

100

 

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

(31.03.2011)

Current Rating

(30.06.2012)

Sweden

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SWEDEN - ECONOMIC OVERVIEW

 

Aided by peace and neutrality for the whole of the 20th century, Sweden has achieved an enviable standard of living under a mixed system of high-tech capitalism and extensive welfare benefits. It has a modern distribution system, excellent internal and external communications, and a highly skilled labor force. In September 2003, Swedish voters turned down entry into the euro system concerned about the impact on the economy and sovereignty. Timber, hydropower, and iron ore constitute the resource base of an economy heavily oriented toward foreign trade. Privately owned firms account for vast majority of industrial output, of which the engineering sector accounts for about 50% of output and exports. Agriculture accounts for little more than 1% of GDP and of employment. Until 2008, Sweden was in the midst of a sustained economic upswing, boosted by increased domestic demand and strong exports. This and robust finances offered the center-right government considerable scope to implement its reform program aimed at increasing employment, reducing welfare dependence, and streamlining the state's role in the economy. Despite strong finances and underlying fundamentals, the Swedish economy slid into recession in the third quarter of 2008 and growth continued downward in 2009 as deteriorating global conditions reduced export demand and consumption. Strong exports of commodities and a return to profitability by Sweden's banking sector drove the strong rebound in 2010, which continued in 2011, and the government is proposing stimulus measures in the 2012 budget to curb the effects of a global economic slowdown and boost employment and growth.

Source : CIA


Company name and address

Top of Form

Top of Form

 

Boehringer Ingelheim AB

                                                                                                                                             

 

Liljeholmsstranden 3

PO Box 47608

 

Stockholm, SE 117 94

Sweden

 

 

Tel:

46-87212100

Fax:

46-87109884

 

www.boehringeringelheim.se

 

Employees:

100

Company Type:

Private Subsidiary

Corporate Family:

108 Companies

Ultimate Parent:

CH Boehringer Sohn AG & Co KG

 

 

Incorporation Date:

1965

Financials in:

 USD (mil)

Fiscal Year End:

31-Dec-2011

Reporting Currency:

Swedish Krona

Annual Sales:

106.3

Net Income:

2.9

Total Assets:

30.0

                                         

Business Description          

 

Boehringer Ingelheim AB is primarily engaged in manufacturing vaccines, toxoids, blood fractions, and culture media of plant or animal origin (except diagnostic).

          

Industry                                                                                                                                

 

Industry

Biotechnology and Drugs

ANZSIC 2006:

1841 - Human Pharmaceutical and Medicinal Product Manufacturing

NACE 2002:

2442 - Manufacture of pharmaceutical preparations

NAICS 2002:

325412 - Pharmaceutical Preparation Manufacturing

UK SIC 2003:

24421 - Manufacture of medicaments

UK SIC 2007:

2120 - Manufacture of pharmaceutical preparations

US SIC 1987:

2834 - Pharmaceutical Preparations

 

 

                      

Key Executives           

   

 

Name

Title

Andreas Kruger

Managing Director

Stefan Helmut Kilian

ledamot

Stefan Anders Walhagen

ledamot

1 - Profit & Loss Item Exchange Rate: USD 1 = SEK 6.49369
2 - Balance Sheet Item Exchange Rate: USD 1 = SEK 6.8553

 


Corporate Overview

 

Location
Liljeholmsstranden 3
PO Box 47608
Stockholm, SE 117 94
Sweden

 

Tel:

46-87212100

Fax:

46-87109884

 

www.boehringeringelheim.se

Sales SEK(mil):

690.5

Assets SEK(mil):

205.9

Employees:

100

Fiscal Year End:

31-Dec-2011

 

 

 

 

Industry:

Biotechnology and Drugs

Incorporation Date:

1965

Company Type:

Private Subsidiary

Quoted Status:

Not Quoted

Registered No.(SWE):

5561030650

 

Managing Director :

Andreas Kruger

 

Industry Codes

 

ANZSIC 2006 Codes:

1841

-

Human Pharmaceutical and Medicinal Product Manufacturing

 

NACE 2002 Codes:

2442

-

Manufacture of pharmaceutical preparations

 

NAICS 2002 Codes:

325412

-

Pharmaceutical Preparation Manufacturing

 

US SIC 1987:

2834

-

Pharmaceutical Preparations

 

UK SIC 2003:

24421

-

Manufacture of medicaments

 

UK SIC 2007:

2120

-

Manufacture of pharmaceutical preparations

 

Business Description

Provider of Pharmaceuticals

 

More Business Descriptions

Boehringer Ingelheim AB is primarily engaged in manufacturing vaccines, toxoids, blood fractions, and culture media of plant or animal origin (except diagnostic).

 

Pharmaceutical and Medicine Manufacturing

 

 

 

 

 

 

 

Financial Data

 

Financials in:

SEK(mil)

 

Revenue:

690.5

Net Income:

19.1

Assets:

205.9

Total Liabilities:

142.5

 

 

 

Date of Financial Data:

31-Dec-2011

 

1 Year Growth

NA

NA

NA

 

Key Corporate Relationships

Bank:

Citibank

 

 

 

 

 

 

 

 

 

 

 

Corporate Structure News

 

Boehringer Ingelheim AB
Total Corporate Family Members: 108

 

 

Company Name

Company Type

Location

Country

Industry

Sales
(USD mil)

Employees

CH Boehringer Sohn AG & Co KG

Parent

Ingelheim Am Rhein

Germany

Food Processing

20,200.5

120

Boehringer Ingelheim Group

Subsidiary

Ingelheim Am Rhein, Rheinland-Pfalz

Germany

Biotechnology and Drugs

18,313.7

44,094

Roxane Laboratories, Inc.

Subsidiary

Columbus, OH

United States

Biotechnology and Drugs

223.7

1,000

Roxane Laboratories Inc

Branch

Columbus, OH

United States

Biotechnology and Drugs

 

4

Boehringer Ingelheim Limited

Subsidiary

Dublin

Ireland

Personal and Household Products

12.1

892

Boehringer Ingelheim Chemicals, Inc.

Subsidiary

Petersburg, VA

United States

Chemical Manufacturing

 

375

Boehringer Ingelheim International Trading (Shanghai) Co., Ltd.

Subsidiary

Shanghai, Shanghai

China

Personal and Household Products

108.8

300

Boehringer Ingelheim Hong Kong Ltd

Subsidiary

Wanchai

Hong Kong

Personal and Household Products

 

 

Boehringer Ingelheim GmbH

Subsidiary

Ingelheim

Germany

Miscellaneous Financial Services

17,404.0

44,094

Boehringer Ingelheim Corp.

Subsidiary

Ridgefield, CT

United States

Miscellaneous Financial Services

3,167.4

6,493

Boehringer Ingelheim Pharmaceuticals, Inc.

Subsidiary

Ridgefield, CT

United States

Biotechnology and Drugs

 

41,500

Boehringer Ingelheim Pharm Inc

Branch

Friendswood, TX

United States

Personal and Household Products

1,247.8

457

Boehringer Ingelheim Pharm Inc

Branch

Northbrook, IL

United States

Personal and Household Products

1,181.1

457

Boehringer Ingelheim Pharm Inc

Branch

Downers Grove, IL

United States

Personal and Household Products

36.2

14

Boehringer Ingelheim Pharm Inc

Branch

Reno, NV

United States

Biotechnology and Drugs

7.2

9

Boehringer Ingelheim Pharm Inc

Branch

Atlanta, GA

United States

Personal and Household Products

1,128.0

4

Ben Venue Laboratories Incorporated

Affiliates

Bedford, OH

United States

Biotechnology and Drugs

207.6

1,000

Bedford Laboratories

Branch

Bedford, OH

United States

Personal and Household Products

1,071.3

1,400

Ben Venue Laboratories Inc

Branch

Bedford, OH

United States

Business Services

 

5

Boehringer Ingelheim Vetmedica, Inc.

Subsidiary

Saint Joseph, MO

United States

Biotechnology and Drugs

125.0

593

Boehringer Ingelheim Vetmedica

Branch

Elwood, KS

United States

Medical Equipment and Supplies

34.6

100

Boehringer Ingelheim Vetmedica

Branch

Sioux Center, IA

United States

Biotechnology and Drugs

11.6

50

Boehringer Ingelheim Vetmedica

Branch

Ames, IA

United States

Fish and Livestock

2.3

32

Boehringer Ingelheim Vetmedica

Branch

Fort Dodge, IA

United States

Business Services

7.4

4

Boehringer Ingelheim Corp

Branch

League City, TX

United States

Personal and Household Products

1,247.8

457

Boehringer Ingelheim Promeco, S.A. de C.V.

Subsidiary

Xochimilco

Mexico

Biotechnology and Drugs

372.4

1,830

Boehringer Ingelheim España Sa

Subsidiary

Sant Cugat Del Valles, Barcelona

Spain

Biotechnology and Drugs

571.6

1,526

Boehringer Ingelheim Sa

Subsidiary

Sant Cugat Del Valles, Barcelona

Spain

Personal and Household Products

185.4

75

Nippon Boehringer Ingelheim Co Ltd

Subsidiary

Tokyo

Japan

Personal and Household Products

1,596.5

1,500

Boehringer Ingelheim Seiyaku Co., Ltd.

Subsidiary

Yamagata

Japan

Biotechnology and Drugs

1.0

50

Boehringer Ingelheim Vetmedica Japan

Subsidiary

Tokyo

Japan

Biotechnology and Drugs

 

 

Boehringer Ingelheim France S.A.S.

Subsidiary

Reims

France

Biotechnology and Drugs

 

1,282

Boehringer Ingelheim do Brasil QuĂ­mica e FarmacĂªutica Ltda

Subsidiary

SĂ£o Paulo, SP

Brazil

Biotechnology and Drugs

342.4

1,107

Boehringer Ingelheim Brasil Quimica

Branch

Itapecerica Da Serra, Sao Paulo

Brazil

Healthcare Facilities

 

1,000

Solana Agro Pecuaria Ltda.

Subsidiary

Arapongas

Brazil

Biotechnology and Drugs

 

 

Boehringer Ingelheim RCV GmbH & Co KG

Subsidiary

Wien

Austria

Personal and Household Products

 

1,080

Boehringer Ingelheim Pharma Ges.m.b.H.

Subsidiary

Vienna

Austria

Biotechnology and Drugs

121.1

1,200

I.M.P. Research Institute of Molecular Pathology

Unit

Vienna

Austria

Business Services

1.0

200

Boehringer Ingelheim Rcv Gmbh & Co Kg, Organizacna Zlozka

Branch

Bratislava

Slovakia

Personal and Household Products

 

 

Boehringer Ingelheim Ltd.

Subsidiary

Bracknell

United Kingdom

Biotechnology and Drugs

558.0

621

Windsor Healthcare Ltd.

Subsidiary

Bracknell

United Kingdom

Healthcare Facilities

 

 

Medica Ltd.

Subsidiary

Bracknell

United Kingdom

Nonclassifiable Industries

 

 

Boehringer Ingelheim Shanghai Pharmaceuticals Co Ltd

Subsidiary

Shanghai

China

Biotechnology and Drugs

 

575

Boehringer Ingelheim S.A.

Subsidiary

Buenos Aires

Argentina

Biotechnology and Drugs

90.3

402

PT Boehringer Ingelheim Indonesia

Subsidiary

Jakarta

Indonesia

Biotechnology and Drugs

 

390

Boehringer Ingelheim Pty Limited

Subsidiary

North Ryde, NSW

Australia

Personal and Household Products

286.5

365

Boehringer Ingelheim S.A.

Subsidiary

Bogota, DC

Colombia

Biotechnology and Drugs

 

348

Boehringer Ingelheim Hellas SA

Subsidiary

Elliniko

Greece

Biotechnology and Drugs

299.9

336

Boehringer Ingelheim Norway KS

Subsidiary

Asker

Norway

Personal and Household Products

36.9

300

Boehringer Ingelheim (Phils) Corporation

Subsidiary

Metro Manila

Philippines

Biotechnology and Drugs

80.6

250

Boehringer Ingelheim Ilaç Ticaret AS

Subsidiary

Istanbul

Turkey

Personal and Household Products

 

250

Boehringer Ingelheim Korea Co Ltd

Subsidiary

Seoul

Korea, Republic of

Biotechnology and Drugs

133.8

232

Boehringer Ingelheim Vetmedica Korea Ltd.

Subsidiary

Seoul

Korea, Republic of

Fish and Livestock

1.0

30

Boehringer Ingelheim (Pty.) Ltd.

Subsidiary

Randburg

South Africa

Miscellaneous Financial Services

 

226

Ingelheim Pharmaceuticals (Pty) Ltd

Subsidiary

Randburg

South Africa

Personal and Household Products

 

198

Boehringer Ingelheim, C.A.

Subsidiary

Caracas

Venezuela

Biotechnology and Drugs

62.6

197

Boehringer Ingelheim

Subsidiary

Bruxelles

Belgium

Personal and Household Products

122.9

175

Boehringer Ingelheim Danmark A/S

Subsidiary

København Ă˜

Denmark

Personal and Household Products

111.3

156

Boehringer Ingelheim Sp. z o.o.

Subsidiary

Warsaw

Poland

Retail (Grocery)

44.9

140

Boehringer Ingelheim Taiwan Limited

Subsidiary

Taipei

Taiwan

Biotechnology and Drugs

 

140

Boehringer Ingelheim (Thai) Ltd.

Subsidiary

Bangkok

Thailand

Biotechnology and Drugs

25.8

132

Boehringer Ingelheim AB

Subsidiary

Stockholm

Sweden

Biotechnology and Drugs

106.3

100

Boehringer Ingelheim del Ecuador Cia. Ltda.

Subsidiary

Quito

Ecuador

Personal and Household Products

28.6

100

Boehringer Ingelheim Vetmedica S.A. de C.V.

Subsidiary

Guadalajara, Jalisco

Mexico

Biotechnology and Drugs

 

100

Boehringer Ingelheim Finland Ky

Subsidiary

Helsinki

Finland

Personal and Household Products

53.7

86

Boehringer Ingelheim s.r.o.

Subsidiary

Prague

Czech Republic

Biotechnology and Drugs

23.4

86

Boehringer Ingelheim (Schweiz) GmbH

Subsidiary

Basel

Switzerland

Biotechnology and Drugs

58.3

75

Pharmaton SA

Subsidiary

Bioggio

Switzerland

Biotechnology and Drugs

166.7

230

LABSO Chimie Fine S.A.R.L.

Subsidiary

Blanquefort

France

Chemical Manufacturing

18.9

74

Boehringer Ingelheim (NZ) Limited

Subsidiary

Manukau

New Zealand

Personal and Household Products

17.0

22

Boehringer Ingelheim Ltda.

Subsidiary

Santiago

Chile

Personal and Household Products

 

 

Boehringer Ingelheim International Trading (Shanghai) Co. Ltd.

Subsidiary

Shanghai

China

Personal and Household Products

 

 

Boehringer Ingelheim Pharma GmbH & Co. KG

Subsidiary

Ingelheim Am Rhein, Rheinland-Pfalz

Germany

Biotechnology and Drugs

1,578.0

6,000

Boehringer Ingelheim microParts GmbH

Subsidiary

Dortmund, Nordrhein-Westfalen

Germany

Biotechnology and Drugs

96.9

420

Boehringer Ingelheim Pharma Gmbh Akp

Branch

Riga

Latvia

Business Services

 

 

Boehringer Ingelheim (Canada) Ltd.

Subsidiary

Burlington, ON

Canada

Personal and Household Products

 

700

Pharma-Investment Limited

Subsidiary

Burlington, ON

Canada

Personal and Household Products

 

560

Boehringer Ingelheim S.A.

Subsidiary

BogotĂ¡ DC

Colombia

Biotechnology and Drugs

68.6

298

Boehringer Ingelheim Scs

Subsidiary

Bruxelles, Bruxelles-Capitale

Belgium

Biotechnology and Drugs

182.3

217

UniĂ£o Internacional de LaboratĂ³rios

Subsidiary

Lisboa

Portugal

Biotechnology and Drugs

 

210

Boehringer Ingelheim Vetmedica Gesellschaft mit beschränkter Haftung

Subsidiary

Ingelheim Am Rhein, Rheinland-Pfalz

Germany

Biotechnology and Drugs

 

200

Bioscreen European Veterinary Disease Management Center GmbH

Subsidiary

Hannover, Niedersachsen

Germany

Biotechnology and Drugs

 

17

Bidachem S.p.A.

Subsidiary

Bergamo, Fornovo San Giovanni

Italy

Chemical Manufacturing

145.5

182

Boehringer Ingelheim Vetmedica GmbH

Subsidiary

Ingelheim Am Rhein, Rheinland-Pfalz

Germany

Biotechnology and Drugs

 

165

Boehringer Ingelheim Ltee

Subsidiary

Laval, QC

Canada

Personal and Household Products

278.6

150

Laboratorios Fher Sa

Subsidiary

Sant Cugat Del Valles, Barcelona

Spain

Business Services

7.4

72

Europharma Sa

Subsidiary

Sant Cugat Del Valles, Barcelona

Spain

Biotechnology and Drugs

5.1

41

Boehringer Ingelheim Auslandsbeteiligungs GmbH

Subsidiary

Ingelheim Am Rhein, Rheinland-Pfalz

Germany

Commercial Banks

 

4

Boehringer Ingelheim France SASU

Subsidiary

Paris

France

Biotechnology and Drugs

597.8

873

Boehringer Ingelheim Italia SpA

Subsidiary

Milano, MI

Italy

Biotechnology and Drugs

536.2

754

Boehringer Ingelheim B.V.

Subsidiary

Alkmaar, Holland

Netherlands

Biotechnology and Drugs

243.4

250

Boehringer Ingelheim, Lda

Subsidiary

Lisboa

Portugal

Biotechnology and Drugs

30.7

128

Unilfarma-Uniao Internacional de Laboratorios Farmaceuticos, Lda.

Subsidiary

Lisbon

Portugal

Personal and Household Products

 

210

Boehringer Ingelheim (S) Pte Ltd

Subsidiary

Singapore

Singapore

Personal and Household Products

25.5

40

Boehringer Ingelheim (Hong Kong) Limited

Subsidiary

Wan Chai, Hong Kong

Hong Kong

Personal and Household Products

 

40

Unilfarma - UniĂ£o Internacional De LaboratĂ³rios FarmacĂªuticos, LDA

Subsidiary

Lisboa, Lisboa

Portugal

Personal and Household Products

84.7

33

Boehringer Ingelheim (NZ) Ltd

Subsidiary

Auckland, 02

New Zealand

Personal and Household Products

26.4

30

Boehringer Ingelheim India Pvt. Ltd.

Subsidiary

Mumbai

India

Biotechnology and Drugs

 

 

Boehringer Ingelheim Promeco, S.A.

Subsidiary

Mexico

Mexico

Public Sector and Government

408.0

 

Dr. Karl T h o m a e , Gesellschaft mit beschränkter Haftung

Subsidiary

Biberach An Der RiĂŸ, Baden-WĂ¼rttemberg

Germany

Real Estate Operations

39.0

 

Albert und Helene B o e h r i n g e r UnterstĂ¼tzungskasse der Firma Dr. Karl Thomae, Gesells

Subsidiary

Biberach An Der RiĂŸ, Baden-WĂ¼rttemberg

Germany

Insurance (Life)

 

 

Boehringer Ingelheim Verwaltungs GmbH

Subsidiary

Ingelheim Am Rhein, Rheinland-Pfalz

Germany

Commercial Banks

 

 

Boehringer Ingelheim International

Subsidiary

Shanghai

China

Biotechnology and Drugs

 

 

Boehringer Ingelheim

Subsidiary

Dubai

United Arab Emirates

Business Services

 

 

Boehringer Ingelheim

Subsidiary

Cairo

Egypt

Personal and Household Products

 

 

Incura AG

Subsidiary

Ingelheim Am Rhein, Rheinland-Pfalz

Germany

Insurance (Life)

 

 

Boehringer Ingelheim Vetmedica S.A.

Subsidiary

Guadalajara

Mexico

Biotechnology and Drugs

 

 

PHARMATON Gesellschaft mit beschränkter Haftung

Subsidiary

Biberach An Der RiĂŸ, Baden-WĂ¼rttemberg

Germany

Miscellaneous Capital Goods

 

 

 

 

 

Executives Report

 

Board of Directors

 

Name

Title

Function

Stefan Helmut Kilian

 

ledamot

Director/Board Member

Stefan Anders Walhagen

 

ledamot

Director/Board Member

 

Executives

 

Name

Title

Function

Andreas Kruger

 

Managing Director

Managing Director

 

Annual Profit & Loss

 

 

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Period Length

12 Months

12 Months

12 Months

Filed Currency

SEK

SEK

SEK

Exchange Rate (Period Average)

6.493691

7.206564

7.645194

Consolidated

No

No

No

 

 

 

 

Total Revenue

106.3

92.5

86.4

Gross Profit

4.6

3.3

4.1

Net Financial Items

-0.2

-0.2

-0.1

Operating Income

4.4

3.1

3.8

Income Before Tax

4.2

2.9

3.6

Net Income

2.9

2.0

2.5

 



 

Annual Balance Sheet

Financials in: USD (mil)

 

 

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Filed Currency

SEK

SEK

SEK

Exchange Rate

6.8553

6.72285

7.1401

Consolidated

No

No

No

 

 

 

 

Total Assets

30.0

29.8

20.3

Total Liabilities

20.8

21.4

11.8

Total Equity

9.2

8.4

8.6

 



 

Annual Ratios

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

Period Length

12 Months

12 Months

12 Months

Filed Currency

-

-

-

Exchange Rate

-

-

-

Consolidated

No

No

No

 

 

 

 

Operating Margin

4.11

3.32

4.35

Current Ratio

143.51

137.43

169.13

Total debt/total equity

30.79

28.08

42.03

Return on average equity

42.78

37.27

45.20

 



 

Annual Growth Rates

 

 

 

 

 

 

31-Dec-2010

31-Dec-2009

Period Length

12 Months

12 Months

Filed Currency

-

-

Exchange Rate

-

-

Consolidated

No

No

 

 

 

Turnover Percent Change

3.59%

0.97%

Marginal Contribution Percent Change

22.84%

-22.62%

Net Financial Items Percent Change

-6.43%

-2.85%

Operating Results Percent Change

28.10%

-22.99%

Profit/Loss Before Tax Percent Change

29.25%

-24.00%

Profit/Loss for the Year Percent Change

31.02%

-24.89%

Assets Percent Change

2.69%

37.99%

Debts Percent Change

-1.18%

71.20%

Equity Capital Percent Change

12.60%

-7.82%

Operating Margin Percent Change

23.80%

-23.68%

Current Ratio Percent Change

4.42%

-18.74%

Debt/Equity Ratio Percent Change

9.65%

-33.19%

Retun On Equity Percent Change

14.78%

-17.54%

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.84

UK Pound

1

Rs.88.16

Euro

1

Rs.71.54

 

 

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.