MIRA INFORM REPORT

 

 

Report Date :

11.01.2013

 

IDENTIFICATION DETAILS

 

Name :

P.T. PABRIK KERTAS TJIWI KIMIA TBK

 

 

Formerly Known As :

P.T. PABRIK KERTAS TJIWI  KIMIA

 

 

Registered Office :

Plaza BII, Tower II, 7th & 9th Floor Jalan M.H. Thamrin No. 51 Gondangdia, Menteng Jakarta Pusat 10350

 

 

Country :

Indonesia

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

02.10.1972

 

 

Com. Reg. No.:

No. AHU-42925.AH.01.02.Tahun 2009 (latest permit)

 

 

Legal Form :

Public Listed Company

 

 

Line of Business :

Cultural and Industrial Paper Manufacturing

 

 

No. of Employees :

12,482 persons

 

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)

Indonesia

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

INDONESIA - ECONOMIC OVERVIEW

 

Indonesia, a vast polyglot nation, grew an estimated 6.1% and 6.4% in 2010 and 2011, respectively. The government made economic advances under the first administration of President YUDHOYONO (2004-09), introducing significant reforms in the financial sector, including tax and customs reforms, the use of Treasury bills, and capital market development and supervision. During the global financial crisis, Indonesia outperformed its regional neighbors and joined China and India as the only G20 members posting growth in 2009. The government has promoted fiscally conservative policies, resulting in a debt-to-GDP ratio of less than 25%, a small current account surplus, a fiscal deficit below 2%, and historically low rates of inflation. Fitch and Moody's upgraded Indonesia's credit rating to investment grade in December 2011. Indonesia still struggles with poverty and unemployment, inadequate infrastructure, corruption, a complex regulatory environment, and unequal resource distribution among regions. The government in 2012 faces the ongoing challenge of improving Indonesia's insufficient infrastructure to remove impediments to economic growth, labor unrest over wages, and reducing its fuel subsidy program in the face of rising oil prices.

Source : CIA


Name of Company

 

P.T. Pabrik Kertas TJIWI KIMIA Tbk

 

 

Address

 

Head Office & Factory

Plaza BII, Tower II, 7th & 9th Floor

Jalan M.H. Thamrin No. 51

Gondangdia, Menteng

Jakarta Pusat 10350

Phones          - (021) 392966-69

Fax                -                                                 (021) 3927685

E-mail            - app_investors@app.co.id

Website         - http://www.tjiwi.co.id

 

Factory/Mills

Jl. Raya Surabaya-Mojokerto Km. 44

Desa Kramat Temanggung

Kecamatan Tarik,

Sidoarjo, East Java

Indonesia

Phones             - (0321) 361552, 361574-77

Fax                   - (0321) 361615

Telex                - 31094 TJIWI MR

P.O. Box           - 115 MOJOKERTO

Land Area         - 36.0 hectares

Building Space  -   4.5 hectares

Region              - Industrial Zone

Status               - Owned

 

Branches

  a. Singapore Office

      Room 1609, 16th Floor, SHENTON HOUSE

       3 Shenton Way

       Singapore

       Phones    - (65) 2209166-69

  b. Surabaya Office

      Jalan Rajawali No. 31-33

       Surabaya

       East Java

       Phones    - (031) 3530520, 33524130, 3524133

       Fax          - (031) 3525409

 

 

 

Registration data

 

Date of Incorporation :

a.   02 October 1972 as P.T. Pabrik Kertas TJIWI  KIMIA

b.   08 July 1996 as P.T. Pabrik Kertas TJIWI KIMIA Tbk

 

Legal Form :

P.T. Tbk. (Perseroan Terbatas Terbuka) or Public Listed Company

 

Company Reg. No. :

The Ministry of Law and Human Rights

  a.  No. Y.A. 5/439/25 (initial permit)

      Dated 22 December 1975

  b. No. AHU-42925.AH.01.02.Tahun 2009 (latest permit)

      Dated 01 September 2009

 

Company Status :

Domestic Investment (PMDN) Company

 

Permit by the Government Department :

A.   The Department of Industry

      No. 2040/St-J/XII/1974

      Dated 14 December 1974

B.   The Capital Investment Coordinating Board

      - No. 564/III/PMDN/1987

        Dated 11 November 1987

      - No. 212/III/PMDN/1996

        Dated 31 May 1996

 

Related Companies :

A Member of the SINAR MAS Group 

 

 

CAPITAL AND OWNERSHIP

 

Capital Structure :

Authorized Capital             - Rp.  5,000,000,000,000 (US$.2,010,813,237)

Issued Capital                   - Rp.  1,335,702,240,000 (US$.   537,169,549)

Paid up Capital                 - Rp.  1,335,702,240,000 (US$.   537,169,549)

 

Shareholders/Owners :

a. P.T. PURINUSA EKAPERSADA                 - Rp  796,178,235,000 (60%)

b. The Public                                                 - Rp  539,524,005,000 (40%)

 

 


BUSINESS ACTIVITIES

 

Lines of Business :

  a.  Cultural and Industrial Paper Manufacturing

  b.  Caustic Soda Manufacturing

  c.  Investment Holding

 

Production Capacity :

  a.  Industrial and Cultural Papers         - 194,000 tons p.a.

  b.  Corrugated Paper Boxes                 -   98,300 tons p.a.

  c.  Kraft Papers                                   - 186,000 tons p.a.

  d.  Caustic Soda                                 -   14,900 tons p.a.

  e.  Computer and Telex Papers            -   10,800 tons p.a.

  f.   NRC, Coated and Cultural Papers  - 130,800 tons p.a.

  g.  Fine Papers for Laminating              -     7,200 tons p.a.

  h.  Lining Papers                                 -     7,200 tons p.a.

  i.   Tissue Papers                                -     3,600 tons p.a.

  j.   Duplex Coated Papers                    -   51,600 tons p.a.

  k.  Cardboards                                    -   14,600 tons p.a.

  l.   Pulps and Baggases                       - 117,600 tons p.a.

  m. Writing Books                                - 30 million pcs.p.a.

  n.  HVS and Writing Papers                 - 210,000 tons p.a.

  o.  Silicon Papers                                -   20,000 tons p.a.

  p.  Cast Coating Papers                       -   10,000 tons p.a.

  q.  High Quality Exercise Book, Note

      Book, Computer Continuous Form

      Box Stationery                               - 300,000 tons p.a

  r.   Calcium Hypochloride                     -     7,200 tons p.a.

  s.  Liquid Calcium Hypochloride            -   64,000 tons p.a.

  t.   Calcium Oxide                               -   36,000 tons p.a.

 

Total Investment :

  a. Equity Capital             - Rp.  1,335.3 billion

  b. Loan Capital               - Rp. 15,295.0 billion

  c. Total Investment          - Rp. 16,630.3 billion

 

Started Operation :

1 9 7 7

 

Brand Name :

Bola Dunia, Anchor Brand, Betet, Clean Coated Board, Evergreen, Globe Brand, Golden Art, etc

 

Technical Assistance :

None

 

Number of Employee :

12,482 persons

 

Marketing Area :

Domestic   - 35%

Export        - 65%

 

Main Customers :

a. P.T. SURYA JAYA PLACE (Distributor)

b. P.T. PERMATA BIRU INDAH (Distributor)

c. P.T. SUTIO JAYATAMA (Distributor)

d. P.T. MARGONO (Distributor)

e. Buyers in Asia, Middle East, Africa, Europe, USA and Australia

 

Market Situation :

Very Competitive

 

Main Competitors :

a. P.T. SURABAYA AGUNG KERTAS

b. P.T. RIAU ANDALAN KERTAS

c. P.T. KERTAS LECES

d. P.T. SUPARMA Tbk

e. Etc.

 

Business Trend :

Fluctuating

 

 

BANKER, AUDITOR & LITIGATION

 

B a n k e r  s :

      a.   P.T. Bank INTERNATIONAL  INDONESIA Tbk

            Plaza BII, Menara II, 7th Floor

            Jalan M.H. Thamrin No. 51

            Jakarta 10350

      b.   The Bank of AMERICA N.T. & S.A.

            Gedung Bursa Efek Jakarta, Menara I

            Jalan Jend. Sudirman Kav. 52-53

            Jakarta Selatan

c.   The LONG-TERM CREDIT Bank of Japan Ltd.

            Singapore

d.       DEUTSCHE Bank, AG

            Jalan Imam Bonjol No. 80

            Jakarta Pusat

      e.   P.T. INDOSUEZ INDONESIA Bank

            Jakarta Branch

            SUMMITMAS TOWER II, 19th Floor

            Jalan Jend. Sudirman Kav. 61-62

            Jakarta Selatan

f.         P.T. INTERNATIONAL NEDERLANDEN

            INDONESIA, Bank

            SUMMITMAS TOWER II, 14th Floor

            Jalan Jend. Sudirman Kav. 61-62

            Jakarta Selatan

 

Auditor :

Tjiendradjaja & Handoko Tomo

 

Litigation :

No litigation record in our database

 

 

FINANCIAL FIGURE

 

Annual Sales :

2008 – US$. 1,358.8 million

2009 – US$. 1,174.1 million

2010 – US$. 1,338.8 million

2011 – US$. 1,378.7 million

2012 – US$.    336.5 million (as of 31 March 2012)

 

Net Profit (Loss) :

2008 – US$. 51.7 million

2009 – US$. 31.6 million 

2010 – US$. 46.6 million

2011 – US$. 70.4 million

2012 – US$. 16.2 million (as of 30 March 2012)

 

Payment Manner :

Sometime delay

 

Financial Comments :

Satisfactory

 

 

KEY EXECUTIVES

 

Board of Management :

  President Director                           - Mr. Yudi Setiawan Lin

  Directors                                        - a. Mrs. Linda Suryasari Wijaya Limantara

                                                        b. Mrs. Indah Suryasari Wijaya Limantara

                                                        b. Mr. Hendra Jaya Kosasih

                                                        c. Mr. Anton Mailoa

                                                        d. Mr. Suresh Kilam

                                                        e. Mr. Agustian Rachmansjah Partawidjaja

                                                        e. Mr. Suhendra Wiriadinata

                                                        f.  Mr. Arman Sutedja

  Corporate Secretary                        - Mr. Agustian Rachmansjah Partawidjaja

 

Board of Commissioners :

  President Commissioner                 - Mr. Teguh Ganda Widjaja AKA Oei Tie Goan

  Vice Pres. Commissioner                - Mr. Ir. Gandi Sulistiyanto Soeherman

  Commissioners                              - a. Drs. John Ferdinand Pandelaki

                                                  b. Mr. Arthur Tahja

                                                  c. Drs. Pande Putu Raka, MA

                                                        d. Letjen TNI (ret) Soetedjo

                                                        e. DR. Ramelan, SH., M.H.

 

Signatories :

President Director (Mr. Yudi Setiawan Lin) or one of the Directors (Mrs. Linda Suryasari Wijaya Limantara, Mrs. Indah Suryasari Wijaya Limantara, Mr. Hendra Jaya Kosasih, Mr. Anton Mailoa, Mr. Suresh Kilam, Mr. Agustian Rachmansjah Partawidjaja, Mr. Suhendra Wiriadinata and Mr. Arman Sutedja) which must be approved by Presodent Commissioner (Mr. Teguh Ganda Widjaja AKA Oei Tie Goan)

 

 

CAPABILITIES

 

Management Capability :

Good

 

Business Morality :

Good

 

Credit Risk :

Average

 

Credit Recommendation :

Credit should be proceeded with monitor

 

Proposed Credit Limit :    

Small amount – periodical review

 

 

OVERALL PERFORMANCE

 

Originally named P.T. Pabrik Kertas TJIWI KIMIA, it was established in October 1972 with an authorized capital of Rp. 200,000,000.- issued capital of Rp.  50,000,000.- wholly paid-up. Founders and original shareholders are Dr. Eka Tjipta Widjaja AKA Oei Ek Tjhong and the late his son-in-law Mr. Rudy Maeloa AKA Loa Bon Peang (died on 5 April 1988) Chinese origin Indonesian business family. The Articles of Association was made by Mr. Ridwan Suselo, SH., a public notary in Jakarta and it was approved by the Ministry of Justice Republic Indonesia under its Decision Letter No. Y.A. 5/439/25 dated 22 December 1975.

 

Its articles of association have subsequently been changed for a couple of times. In April 1990, the company went public by releasing its 6.74% shares to the public through Jakarta Stock Exchange (BEJ) and Surabaya Stock Exchange (BES). In July 1996, the company renamed to P.T. Pabrik Kertas TJIWI KIMIA Tbk. (P.T. PKTKT). Later in June 1997, the authorized capital was increased again to Rp. 5,000,000,000,000.- In July 1997, P.T. PKTKT undertook right issue I and the issued capital has from that time on increased to  Rp. 1,321,526,432,000.-  Later of July 2008, P.T. PKTKT issued the bonus shares and concurrently the issued and paid-up capital rose again to Rp. 1,335,702,240,000.  As of 31 December 2011, the majority business stakes of the company is controlled by P.T. PURINUSA EKAPERSADA (60%) and the rest is owned by Publics (40%). 

 

 

 

 

The amendment Articles of Association was made by Mrs. Linda Herawati, SH., a public notary in Jakarta and it was approved by the Ministry of Law and Human Right in its Decision Letter No. AHU-42925.AH.01.02.TH.2009, dated 01 September 2009.   No changes have been effected in term of its shareholding composition and capital structures to date.

 

P.T. PURINUSA EKAPERSADA (63.4%), a private company whose majority business stakes is controlled by the Eka Tjipta Widjaja family.  Mr. Eka Tjipta Widjaja AKA Oei Ek Tjhong is the founder of the SINAR MAS Group is a very large-size private business group in the country.

 

      P.T. PKTK is the largest paper making plant in Indonesia whose plant is located in Desa Kramat Temanggung, Kecamatan Tarik, Sidoarjo, East Java operating as from 1977. Its major production is industrial and cultural papers, corrugated papers, kraft papers, computer and telex papers, NRC, Coated and Fine Papers, Lining and Tissue Papers, Duplex Coated Papers, HVS and Writing papers, Cast Coating papers and others such as stationery and packaging.

 

Besides that, it also produces paper chemicals including caustic soda, calcium hypocloride, liquid calcium hypochloride and calcium oxide.  Its production is marketed by the SINAR MAS Group member who has controlled an extensive marketing network in many countries. Some 35% of the products are marketed locally and the rest of some 65% is exported to Asia countries (54%), Central East and Africa (24%), America (10%), Europe (9%) and Australia (3%).

 

Consolidated Operational Summary

 

Production Volume

(In Thousands of Ton)

2007

2008

2009

2010

2011

Paper

1,040

1,048

1,001

1,003

961

Stationery

217

215

214

212

205

Packaging

78

67

58

56

71

 

Sales Volume

(In Thousands of Ton)

2007

2008

2009

2010

2011

Paper

970

1,007

996

986

933

Stationery

185

198

172

190

183

Packaging

75

60

64

66

66

Source: PT. Tjiwi Kimia Tbk

 

Pursuant to the Company, for the fifth time, in 2012, PT Pabrik Kertas Tjiwi Kimia received the Primaniyarta Award, an award for the best Indonesian exporters. The manufacturer received the award for the Global Brand Development Category. Previously, PT Tjiwi Kimia received several other Primaniyarta awards in 2006, 2007, 2010, 2011 and 2012.

 

Beside that P.T. PKTK has ownership interest of more than 50% in the following subsidiaries which are engaged in real estate, property, hotel, and information technology business.  The table of P.T. PKTK’s subsidiary companies shall be as follows:

 

                       (In US$)

Name of Subsidiary

Lines of Business

Start of Operations

% of Ownership

Total Assets

(31 Dec. 2011)

PT. Mega Kertas Pratama

Distributor

1996

99.20

9

Tjiwi Kimia Trading III (BVI)

Distributor

1996

100.00

72,040

Tjiwi Kimia Finance (Mauritius) Ltd.

Financing Company

1997

100.00

68,700

TK Trading Limited (Cayman Islands)

Distributor

1997

100.00

29,032

Tjiwi Kimia trading II Limited, Cayman Island

Distributor

1998

100.00

53,897

TK Import & Export Ltd., BVI

Distributor

2001

100.00

7,336

 

 

 

 

 

Tjiwi Kimia Finance B.V., the Netherlands

Financing Company

2004

100.00

793,582

Marshall Enterprise Ltd., Malaysia

Investment

2004

100.00

74,469

PT. Sumalindo Hutani Jaya

Forestry

1992

99.99

21,288

Source: PT. Tjiwi Kimia Tbk

 

According to financial statement the total sales turnover of P.T. PKTK in 2007 amounted to US$ 1,154.9 million with a net profit of US$ 10.1 million increased to US$ 1,358.8 million with a net profit of US$ 51.7 million in 2008 declined to US$ 1,174.1 million with a net profit of US$ 31.7 million in 2009 rose again to US$ 1,338.8 million with a net profit of US$ 46.6 million in 2010 and to US$ 1,378.7 million with a net profit of US$ 70.4 million in 2011.  Up to present, we have yet to gain the statement of income of P.T. PKTK in fiscal 2012.  However, Pursuant to the Indonesia Stock Exchange (ISX), as of 30 March 2012 its sales turnover amounted to US$ 336.5 million with a net profit of US$ 16.2 million.  Financial Statement as of 31 December 2008, 2009, 2010 and 2011 are attached.

 

The management is headed by Mr. Yudi Setiawan Lin AKA Lim Yun Shiang (65) an experienced professional manager in pulp & paper industry and marketing. He graduated from China Culture Academy, Taiwan, ROC, in Pulp & Paper Technology. He started his career in TA HUNG PAPER MILL (Taiwan). He joined the company since 1978 and posted as director since 1991 and as president director since 1994.  In daily activities, he is assisted by eight directors namely Mrs. Linda Suryasari Wijaya Limantara, Mrs. Indah Suryasari Widjaya Limantara, Mr. Hendra Jaya Kosasih, Mr.  Anton Mailoa, Mr. Suresh Kilam, Mr. Agustian Rachmansjah Partawidjaja, Mr. Suhendra Wiriadinata and Mr. Arman Sutedja.  The management is supported by the WIDJAJA Family, such as, Mr. Teguh Ganda Widjaja AKA Oei Tjie Goan (67), Mr. Muktar Widjaja AKA Oei Siong Lian (58) and Mr. Franky Oesman Widjaja AKA Oei Jong Nuan (54).  The management has maintained a wide business relation among private national and foreign businessmen as well as among government agencies.  So far, we did not hear that the company’s management involved in the business malpractices or detrimental cases that settled in the country. The company’s litigation record is clean and it has not registered with the black list of Bank of Indonesia.

 

P.T. Pabrik Kertas TJIWI KIMIA Tbk., (P.T. PKTKT) is sufficiently fairly good for business transaction.

 

 

Attachment:

 


P.T. Pabrik Kertas TJIWI KIMIA Tbk

 

FINANCIAL STATEMENTS

 

Per 31 December 2008, 2009, 2010 and 2011

 

 (in thousand US dollar )

DESCRIPTION

31  December

2011

2010

2009

2008

1. ASSETS

 

 

 

 

    a. Current Assets

 

 

 

 

         - Cash and Cash Equivalent

 

 

 

 

            * Third Parties

174,119

141,519

89,729

44,152

            * Related Parties

9,533

23,452

29,671

6,618

         - Trade Receivable       

 

 

 

 

             * Third Parties

38,881

56,383

64,885

96,891

             * Related Parties

204,322

191,563

250,147

155,843

         - Other Trade Receivable – net

488

506

160

21

        - Inventories

312,406

287,212

265,170

251,702

        - Advances and prepaid expenses

188,221

110,054

110,671

149,965

        - Prepaid Taxes

13,732

17,382

22,781

22,656

        - Other current assets

 

 

 

 

            * Third Parties

152,612

25,374

42,778

47,290

            * Related Parties

56,675

64,254

44,809

305

       Total Current Assets

1,150,989

917,699

920,801

775,444

   b. Non-current Assets

 

 

 

 

        - Trade receivables – related parties

60,603

66,2898

80,701

85,259

        - Other receivables – related parties

152,811

148,610

159,363

160,370

        - Deferred Tax Assets

534

650

36

--

        - Long-term Investment

1,103

1,112

1,064

--

        - Industrial Timber Estate – net of

          accumulated amortization

167

2,002

2,234

--

        - Industrial Timber Estate – under

          development

17,855

9,042

6,262

--

        - Fixed assets – net of acc.

          depreciation

1,175,226

1,174,173

1,176,712

1,239,583

        - Goodwill – net of acc. amortization

6,391

6,391

8,022

--

        - Other non-current assets      

3,218

3,787

2,583

2,713

      Total Non-Current Assets

1,417,908

1,412,055

1,436,976

1,487,924

TOTAL ASSETS = TOTAL LIABILITIES

AND EQUITY

2,568,897

2,329,754

2,357,777

2,263,368

2. LIABILITIES AND EQUITY

 

 

 

 

   a. Current Liabilities

 

 

 

 

       - Short term Liabilities

227,950

105,997

89,167

96,198

       - Trade Payable

 

 

 

 

          * Third Payables

58,091

60,164

69,106

88,246

          * Related Payable

9,558

17,874

30,432

13,877

       - Other Payables – third parties

9,491

11,545

14,710

8,616

       -  Advances from customers

 

 

 

 

          * Third parties

20,907

8,795

5,557

7,358

          * Related parties

273

238

267

72

      - Accrued Expanses

61,489

47,026

76,908

46,976

      - Taxes Payable

3,411

12,224

19,283

4,815

      - Current maturities of long-term

         liabilities

 

 

 

 

         * Lease liabilities

23

138

198

152

         * Bank loan

12,988

8,137

7,783

6,681

         * Loans, notes payable and bonds

194,109

146,259

75,600

27,000

    Total Current Liabilities

598,290

418,397

389,011

299,992

 

 

 

 

 

  b. Non-Current Liabilities

 

 

 

 

       - Deferred Tax Liabilities

52,167

53,684

68,503

47,956

       - Other Payables – related parties

16,805

8,853

991

7,318

       - Employee Benefits Obligation

45,935

41,590

36,108

26,724

       - Long term liabilities

 

 

 

 

          * Lease liabilities

23

161

359

278

          * Bank loan

37,534

16,274

23,349

26,724

          * Loans – net

309,829

304,188

341,069

336,051

          * Notes payable and bonds

973,307

965,764

932,176

931,754

      - Current maturities of long-term 

        liabilities

 

 

 

 

          * Lease liabilities

(23)

(138)

(198)

(152)

          * Bank loan

(12,988)

(8,137)

(7,783)

(6,681)

          * Loans, notes payable and bonds

(194,109)

(146,259)

(75,000)

(27,000)

   Total Non-Current Liabilities

1,228,480

1,235,980

1,318,974

1,343,035

3. TOTAL EQUITY

 

 

 

 

  - Issued and Paid up Capital

537,170

537,170

537,170

537,170

  - Additional paid in capital

30,201

30,201

30,201

30,201

  - Difference arising from transaction

(1,986)

--

--

--

  - Exchange differences due to financial

    statements translation

831

415

381

--

  - Retained Earnings

175,912

107,592

82,041

52,970

  Total Equity

742,127

675,377

649,793

620,341

 

 

 

 

 

3. INCOME STATEMENT

 

 

 

 

    a. Total/Net Sales

1,378,740

1,338,766

1,174,106

1,358,794

    b. Cost of Goods Sold

(1,145,880)

(1,117,277)

(946,075)

(1,151,637)

    c. Gross Profit

232,860

221,489

228,031

207,157

    d. Operating Expenses

(127,463)

(142,467)

(108,200)

(121,228)

    e. Operating Profit (Loss)

105,397

79,022

119,831

85,929

    f.  Other Income (Expenses)

(14,906)

(16,965)

(47,423)

(42,316)

    g. Profit (Loss) Before Income Tax

90,491

62,057

72,408

43,613

    h. Tax Benefit (Expense) - Net

(20,079)

(15,485)

(40,911)

(8,073)

    i.  Income Before Pre-Acquisition Loss

70,412

46,572

31,497

51,686

    j.  Pre-acquisition loss

--

--

157

--

   m. Net Profit (Loss)

70,412

46,572

31,654

51,686

Note: Audited by Tjiendradjaja & Handoko Tomo (a public accountant)

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.63

UK Pound

1

Rs.87.50

Euro

1

Rs.71.32

 

 

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.