MIRA INFORM REPORT

 

 

Report Date :

12.01.2013

 

IDENTIFICATION DETAILS

 

Name :

NORTOX S/A

 

 

Registered Office :

Rodovia Br 369 - S/Nº. - Km,197 – Aricanduva 86701-050 - Arapongas/Pr

 

 

Country :

Brazil

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

14.04.1954

 

 

Legal Form :

Privately Held Corporation

 

 

Line of Business :

Manufacture of Chemicals.

 

 

No. of Employees :

500

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

No Complaints

 

 

Litigation :

Clear

 

NOTES:

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

 

ECGC Country Risk Classification List – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

Brazil

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

Brazil - ECONOMIC OVERVIEW

 

Characterized by large and well-developed agricultural, mining, manufacturing, and service sectors, Brazil's economy outweighs that of all other South American countries, and Brazil is expanding its presence in world markets. Since 2003, Brazil has steadily improved its macroeconomic stability, building up foreign reserves, and reducing its debt profile by shifting its debt burden toward real denominated and domestically held instruments. In 2008, Brazil became a net external creditor and two ratings agencies awarded investment grade status to its debt. After strong growth in 2007 and 2008, the onset of the global financial crisis hit Brazil in 2008. Brazil experienced two quarters of recession, as global demand for Brazil's commodity-based exports dwindled and external credit dried up. However, Brazil was one of the first emerging markets to begin a recovery. In 2010, consumer and investor confidence revived and GDP growth reached 7.5%, the highest growth rate in the past 25 years. Rising inflation led the authorities to take measures to cool the economy; these actions and the deteriorating international economic situation slowed growth to 2.7% for 2011 as a whole, though forecasts for 2012 growth are somewhat higher. Despite slower growth in 2011, Brazil overtook the United Kingdom as the world's seventh largest economy in terms of GDP. Urban unemployment is at the historic low of 4.7% (December 2011), and Brazil's traditionally high level of income equality has declined for each of the last 12 years. Brazil's high interest rates make it an attractive destination for foreign investors. Large capital inflows over the past several years have contributed to the appreciation of the currency, hurting the competitiveness of Brazilian manufacturing and leading the government to intervene in foreign exchanges markets and raise taxes on some foreign capital inflows. President Dilma ROUSSEFF has retained the previous administration's commitment to inflation targeting by the central bank, a floating exchange rate, and fiscal restraint.

 

Source : CIA

Company name

 

NORTOX S/A

 

 

ADDRESSES

 

MAIN ADDRESS:

RODOVIA BR 369 - S/Nº. - KM,197 - ARICANDUVA

ZIP CODE/CITY:

86701-050 - ARAPONGAS/PR

 

 

PHONE:

43 3274-8585

FAX:

43 3274-8500

E-MAIL:

junior@nortox.com.br

WEB SITE:

www.nortox.com.br

 

BRANCHES:

 

 

 

ADDRESS:

PRAÇA AMADEU AMARAL,27 - 4º ANDAR - BELA VISTA

ZIP CODE/CITY:

01327-010 SÃO PAULO/SP

PHONE:

11 3284-0344

FAX:

11 3287-0461

 

 

ADDRESS:

RODOVIA BR 163 - KM,116 - PARQUE INDUSTRIAL VETORASSO

ZIP CODE/CITY:

78740-275 RONDONÓPOLIS/MT

PHONE:

66 3439-3700

FAX:

66 3439-3715

 

 

LEGAL DATA

 

MAIN ACTIVITIES:

 

MANUFACTURE OF CHEMICALS.

 

LEGAL FORM:

PRIVATELY HELD CORPORATION

 

 

INCORPORATION DATE:

14/04/1954

REGISTER DATE:

14/04/1954

BALANCE SHEET FILING DATE:

31/12

TAX CONTRIBUTOR NUMBER(CNPJ):

75.263.400/0001-99

STATE REGISTER:

62800535-44

 

 

SHARE CAPITAL:

R$ 423.600.000,00

 

BOARD OF DIRECTORS:

 

 

 

OSMAR AMARAL

PRESIDENT DIRECTOR

SONIA MARIA DA CONCEIÇÃO CANEZIN

FINANCIAL DIRECTOR

HUMBERTO AMARAL

COMMERCIAL DIRECTOR

OSNEY STEFANUTO

INDUSTRIAL DIRECTOR

VILMAR DE SOUZA LIMA

DIRECTOR

 

 

AUTHORIZED USE OF SIGNATURE

 

THE DIRECTORS ARE AUTHORIZED TO SIGN ON BEHALF OF THE COMPANY.

 

SHAREHOLDERS / PARTNERS:

 

 

 

OSMAR AMARAL

50,807%

O.A.F. PARTICIPAÇÕES LTDA

20,045%

BINOMAR HOLDING AG (SWITZERLAND)

11,144%

HUMBERTO AMARAL

7,846%

DANIELA AMARAL ALVES

7,788%

SHARES IN TREASURY

2,088%

MARIA DIRCE A. AMARAL

0,176%

NELSON ALMEIDA MILREU

0,042%

ELINAH SEIXAS REA

0,016%

ARESTIDES RUIZ

0,015%

MERCANDANTE & CIA LTDA

0,012%

JOAQUIM DOS SANTOS

0,012%

JOSE ARIVALDO ROSSI

0,009%

 

AFFILIATES / SUBSIDIARIES:

 

 

 

O A F PARTICIPAÇÕES LTDA

 

NTX PARTICIPAÇÕES LTDA

 

CAPITAL LAND HOLDING LTDA

 

CONCEIÇÃO E CANEZIN LTDA

 

 

 

COMPANY'S BACKGROUND

 

THE CONCERN WAS ORIGINALLY ESTABLISHED IN 1954 AS CIA NORTOX DE INSETICIDAS E FERTILIZANTES. TO BE ENGAGED IN THE SAID LINE OF BUSINESS. JUNE 04, 1976 IT ALTERED TO NORTOX AGRO QUÍMICA S/A, ON DECEMBER 18, 1993 IT ADOPTED THE ABOVE MENTIONED NAME AND UP TO DATE IT IS STILL OPERATING WITHIN THE GENERAL SCENE REPORTED HEREIN.

 

TRADE NAME: "NORTOX".

 

BRIEF HISTORY:

 

NORTOX S.A. WAS FOUNDED ON APRIL 14, 1954, IN APUCARANA - PR.

 

IT STARTED ITS OPERATIONS AS AN INDUSTRY FOR THE FORMULATION OF POWDER INSECTICIDE TO FIGHT COFFEE BORER, IN A TIME WHEN COFFEE PLANTATIONS WERE ONE OF THE MAIN SOURCES OF WEALTH IN BRAZIL, COVERING AN AREA FROM THE OLD PIONEER PARANÁ TO THE MARGINS OF THE PARANÁ RIVER.

 

IN THE EARLY 1960'S, NORTOX ENTERED THE MARKET OF INSECTICIDES FOR COTTON CROPS. IN 1966, IT BECAME A BUSINESS CORPORATION WITH NATIONAL CAPITAL. STILL IN THIS DECADE, DUE TO THE NEED TO EXPAND AND DIVERSIFY ITS PRODUCTION LINE, THE COMPANY MOVED TO ARAPONGAS, DISTRICT OF  ARICANDUVA, WHERE ITS MODERN INDUSTRIAL UNIT WAS BUILT.

 

THE COMPANY STARTED IN THE HERBICIDES BUSINESS IN 1972, WHEN THE MARKET FOR THIS PRODUCT BEGAN TO GROW. A SHORT TIME AFTER, NORTOX BEGAN TO SYNTHESIZE THE TRIFLURALIN HERBICIDE, AND, LITTLE BY LITTLE, CREATED  OTHER UNITS FOR THE PRODUCTION OF INTERMEDIARIES REQUIRED FOR ITS MANUFACTURING. FOR THIS PURPOSE, IT DEVELOPED THE TECHNOLOGY FOR AMINATION, CHLORATION, NITRATION, AND FLUORING. IN THE FOLLOWING YEARS, THE INDUSTRY SET OFF THE PRODUCTION OF TECHNICAL AND FORMULATED ALACHLOR, DIMETHOATO AND DIURON.

 

THE 1980'S WAS MARKED BY GREAT CHANGES IN AGRICULTURE. NON-TILLAGE BECAME POSSIBLE WHEN, IN 1983, NORTOX, IN A PIONEERING OPERATION, STARTED TO PRODUCE THE GLIFOSATE HERBICIDE. AS A CONSEQUENCE, THE PRICE OF GLIFOSATE LOWERED SIGNIFICANTLY AND NON-TILLAGE  WAS ADOPTED ALL OVER BRAZIL.

 

IN THE 1990'S, A CHANGE TOOK PLACE IN THE BUSINESS SCENARIO: BUSINESS MERGERS, AN INCREASED NUMBER OF MULTINATIONAL AGROCHEMICAL COMPANIES, THE IMPORT OF ACTIVE INGREDIENTS, AND THE END OF SOME NATIONAL PRODUCTION LINES. NORTOX DEFINES A NEW STRATEGIC PLAN AND TAKES A REVERSE PATH, EXPANDING ITS LINE OF PRODUCTS AND SYNTHESIZING NEW MOLECULES IN BRAZIL, FOCUSED ON CROPS  THE COMPANY HAD A VOCATION FOR.

 

DURING THIS DECADE, NORTOX MAINTAINED I´S GROWTH RATE FOLLOWING THE BRASILIAN AGRIBUSINESS GROWTH, NORTOX HAS REAFFIRMED ITS COMMITMENT TO BRAZILIAN AGRICULTURE BY SETTING UP ANOTHER  INDUSTRIAL UNIT IN RONDONÓPOLIS-MT. THIS COMMITMENT  HAS INVOLVED THE PRODUCTION OF BASIC INPUTS TO BRAZILIAN AGRICULTURE. NORTOX CENTRO-OESTE IS LOCATED IN AN AREA OF 42.000 M2, AND HAS CREATED MORE THAN 150 JOBS AND PRODUCED 70.000.000 LITTERS/KG OF AGROCHEMICALS PER YEAR.

 

FURTHER DETAILS ABOUT THE SUBJECT'S HISTORY ARE SO FAR NOT KNOWN.

 

PUBLIC INFORMATION:

 

NO DETRIMENTAL FILES WERE FOUND.

 

 

FINANCIAL INFORMATION

 

GENERAL BALANCE SHEETS AS OF 31/12/2011, 31/12/2010 AND 31/12/2009.

( FIGURES ARE IN REAIS ).

 

ASSETS

 

 

 

CURRENT:

31/12/2011

31/12/2010

31/12/2009

 

 

 

 

CASH AND BANKS

46.108.636,00

884.967,00

1.338.262,00

INVESTMENTS

 

47.414.400,00

18.438.369,00

CLIENTS

232.633.781,00

187.846.295,00

168.579.921,00

RECOVERABLE TAXES

17.621.201,00

21.828.697,00

17.757.029,00

INVENTORY

99.519.145,00

116.669.705,00

153.659.164,00

PRE PAID EXPENSES

197.821,00

173.327,00

309.423,00

OTHER CREDITS

925.623,00

809.009,00

539.792,00

 

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

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

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

TOTAL CURRENT ASSETS

397.006.207,00

375.626.400,00

360.621.960,00

 

LONG-TERM RECEIVABLES:

 

 

 

 

 

 

 

PRE PAID EXPENSES

49.209,00

 

 

DEFERRED TAXES

906.727,00

 

 

 

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

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

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

TOTAL LONG-TERM RECEIVABLES

955.936,00

 

 

 

FIXED ASSETS:

 

 

 

 

 

 

 

INVESTMENTS

 

148.308,00

148.308,00

FIXED ASSETS

120.934.500,00

144.791.798,00

144.629.715,00

INTANGIBLE

35.685,00

35.685,00

35.685,00

DEFERRED

309.379,00

331.327,00

353.287,00

 

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

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

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

TOTAL FIXED ASSETS

121.279.564,00

145.307.118,00

145.166.995,00

 

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

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

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

TOTAL ASSETS

519.241.707,00

520.933.518,00

505.788.955,00

 

LIABILITIES:

 

 

 

CURRENT:

31/12/2011

31/12/2010

31/12/2009

 

 

 

 

SUPPLIERS

18.795.171,00

15.476.748,00

12.205.565,00

LOANS AND FINANCING

40.778.480,00

68.202.732,00

58.442.469,00

SOCIAL / LABOR OBLIGATIONS

1.969.900,00

1.101.774,00

2.168.002,00

DIVIDENDS

1.673.345,00

90.647,00

90.817,00

ADVANCE FROM CLIENTS

4.511.506,00

2.197.115,00

1.814.931,00

TRIBUTARY OBLIGATIONS

497.509,00

73.620,00

841.906,00

INCOME TAX/SOCIAL CONTRIBUTION

861.439,00

938.632,00

629.207,00

OTHER DEBTS

6.648.625,00

3.914.891,00

3.653.957,00

 

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

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

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

TOTAL CURRENT LIABILITIES

75.735.975,00

91.996.159,00

79.846.854,00

 

LONG TERM LIABILITIES:

 

 

 

 

 

 

 

LOANS AND FINANCING

18.856.885,00

13.937.294,00

9.853.483,00

PROVISION FOR CONTINGENCIES

1.000,00

1.000,00

1.000,00

TRIBUTARY OBLIGATIONS

264.397,00

 

1.627.057,00

 

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

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

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

TOTAL LONG TERM LIABILITIES

19.122.282,00

13.938.294,00

11.481.540,00

 

NET EQUITY:

 

 

 

 

 

 

 

SHARE CAPITAL

423.600.000,00

423.600.000,00

423.600.000,00

TREASURY SHARES

-6.650.000,00

-6.650.000,00

-6.650.000,00

CAPITAL RESERVES

410.373,00

 

 

RESERVES/TAX INCENTIVES

322.300,00

63.677,00

 

ACCRUED PROFIT (LOSS)

 

-2.014.612,00

-2.489.439,00

RESERVES

6.700.777,00

 

 

 

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

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

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

TOTAL NET EQUITY

424.383.450,00

414.999.065,00

414.460.561,00

 

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

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

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

TOTAL LIABILITIES

519.241.707,00

520.933.518,00

505.788.955,00

 

PROFIT AND LOSS ACCOUNTS AS OF 31/12/2011, 31/12/2010 AND 31/12/2009.

( FIGURES ARE IN REAIS ).

 

 

31/12/2011

31/12/2010

31/12/2009

 

 

 

 

GROSS SALES

350.406.109,00

336.896.725,00

429.537.263,00

(-) TAXES ON SALES

13.661.998,00

20.669.380,00

23.919.634,00

 

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

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

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

NET SALES

336.744.111,00

316.227.345,00

405.617.629,00

(-) COST OF SOLD GOODS

271.617.654,00

257.758.125,00

362.084.015,00

 

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

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

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

GROSS PROFIT

65.126.457,00

58.469.220,00

43.533.614,00

OPERATING REVENUE (EXPENSE)

-48.427.456,00

-45.951.627,00

-41.606.556,00

FINANCIAL REVENUE(EXPENSE)

-605.537,00

-11.162.773,00

-8.239.001,00

 

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

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

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

OPERATIONAL PROFIT (LOSS)

16.093.464,00

1.354.820,00

-6.311.943,00

CONTRIBUTION/INCOME TAX

-5.126.081,00

-816.316,00

 

PROFIT SHARING

-750.000,00

 

 

 

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

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

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

NET PROFIT (LOSS)

10.217.383,00

538.504,00

-6.311.943,00

 

RATIOS:

31/12/2011

31/12/2010

31/12/2009

 

QUICK RATIO

3,93

 

2,81

 

2,59

 

CURRENT RATIO

5,24

 

4,08

 

4,52

 

ACCOUNTS RECEIVABLE TURNOVER

1,45

TIMES

1,68

TIMES

2,41

TIMES

DAYS' SALES IN RECEIVABLES

248,70

DAYS

213,85

DAYS

149,62

DAYS

INVENTORY TURNOVER

2,73

TIMES

2,21

TIMES

2,36

TIMES

ACCOUNTS PAYABLE PERIOD

24,91

DAYS

21,62

DAYS

12,14

DAYS

RETURN ON ASSETS

,65

TIMES

,61

TIMES

,80

TIMES

SALES TURNOVER ON NET EQUITY

,79

TIMES

,76

TIMES

,98

TIMES

NET WORTH TIE-UP

,29

 

,35

 

,35

 

INDEBTEDNESS

,22

 

,26

 

,22

 

EQUITY RATIO

81,73

%

79,66

%

81,94

%

WORKING CAPITAL RATIO

424,20

%

308,31

%

351,64

%

GENERAL SOLVENCY

5,47

 

4,92

 

5,54

 

RETURN ON NET EQUITY

2,41

%

,13

%

-1,52

%

RETURN ON SALES (PROFIT MARGIN)

3,03

%

,17

%

-1,56

%

GROSS PROFIT MARGIN

19,34

%

18,49

%

10,73

%

OPERATIONAL RESULT

4,78

%

,43

%

-1,56

%

SALES TURNOVER ON LIABILITIES

4,45

TIMES

3,44

TIMES

5,08

TIMES

FOREIGN CURRENCY ON ASSETS

 

 

 

 

 

 

FOREIGN CURRENCY ON LIABILITIES

 

 

 

 

 

 

 

EXCHANGE RATE:

 

 

US$ 1,00 = R$ 2,03

 - OFFICIAL RATE ON 07/01/2013

US$ 1,00 = R$ 1,87

 - OFFICIAL RATE ON 31/12/2011

US$ 1,00 = R$ 1,66

 - OFFICIAL RATE ON 31/12/2010

US$ 1,00 = R$ 1,74

 - OFFICIAL RATE ON 31/12/2009

 

COMMENTS ON THE FINANCIAL INFORMATION:

 

FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS

 

THE FIGURES AVAILABLE SHOW A GOOD FINANCIAL STANDING. IT SHOWS HIGH LIQUIDITY RATIOS AND POSITIVE WORKING CAPITAL, AS WELL AS LOW LEVEL OF INDEBTEDNESS. IN ADDITION IT IS NOTED SALES RECOVER AND MADE PROFIT.

 

REAL ESTATE:

 

OWNED PREMISES ARE VALUED AT R$ 75.161.609,00

 

VEHICLES:

 

NOT AVAILABLE

 

MACHINES:

 

OWNED MACHINES AND EQUIPMENTS ARE VALUED AT R$ 15.646.727,00

 

 

INSURANCE

 

THE COMPANY MAINTAINS INSURANCE COVERAGE IN AMOUNT CONSIDERED SUFFICIENT BY THE MANAGEMENT TO COVER CONTINGENCY RISKS OVER ITS FIXED ASSETS AND INVENTORY.

 

 

BANKING REFERENCES

 

 

 

CITY:

BANCO ITAUBANK S/A

 

CURITIBA/PR

BANCO DO BRASIL S/A

 

LONDRINA/PR

BANCO BRADESCO S/A

 

ARAPONGAS/PR

BANCO ITAÚ S/A

 

ARAPONGAS/PR

BANCO SANTANDER (BRASIL) S/A

 

LONDRINA/PR

 

REMARKS: IN BRAZIL THE BANKS ARE PROHIBITED BY LAW TO PROVIDE INFORMATION OR ANY KIND OF COMMENTS ABOUT THEIR CLIENTS. DUE TO THIS LAW PROHIBITION WE ARE UNABLE TO PROVIDE ANY BANKING DETAILS.

 

ACCORDING TO THE CENTRAL BANK OF BRAZIL OFFICIAL REPORT, THE COMPANY HAS NO RETURNED CHECKS UP TO DATE. (IN THE TERMS OF "CIRCULAR 1682 BRAZILIAN CENTRAL BANK").

 

 

ACTIVITIES COMMENTS

 

MANUFACTURE, SALE, IMPORT AND EXPORT OF CHEMICALS, ESPECIALLY THOSE DESTINED TO USE IN AGRICULTURE AND CATTLE BREEDING.

 

IMPORT AND EXPORT:

 

 IMPORTS FROM:

GERMANY, FRANCE, ITALY, SPAIN, CHINA, JAPAN, INDIA, SWITZERLAND, CHILE, ARGENTINA AND UNITED STATES.

 

EXPORTS TO:

NOT AVAILABLE.

 

MAIN CLIENTS:

 

 

 

 

 

DOMESTIC CLIENTS:

 

 

COMERCIAL AGRÍCLOA RAVIER LTDA

 

 

COOP. CAFEICULTORES E CITRICULTORES

 

 

COOP. TRITÍCOLA JÚLIO DE CASTILHOS LTDA

 

 

COOPERATIVA MISTA AGROPECUÁRIA DO BRASIL

 

 

DISTRIB. PITANGUEIRAS PRODUTOS AGROPECUÁRIOS

 

 

VILELA VILELA & CIA LTDA

 

 

 

STAFF:

 

THE COMPANY HAS: 500 EMPLOYEE(S)

 

 

CONCEPT AND FULFILMENT

 

THE SUBJECT IS AN OLD AND WELL-ESTABLISHED COMPANY IN BUSINESS SINCE 1954. IT IS A WELL-KNOWN COMPANY AND OPERATES WITH A HIGH SCALE OF ACTIVITIES AND A GOOD TRADE REPUTATION.

 

THE COMPANY HAS TRADE RELATIONS WITH SEVERAL SUPPLIERS IN BRAZIL. THE SUPPLIERS EXTEND CREDIT FACILITIES TO THE SUBJECT IN TERMS AND AMOUNTS ACCORDING TO THE COMPANY'S NEEDS AND SO FAR NO PAYMENT PROBLEMS ARE NOTED.

 

MAIN SUPPLIERS:

 

 

 

 

 

DOMESTIC SUPPLIERS:

 

 

AIR PRODUCTS BRASIL LTDA

 

 

BAYER S/A

 

 

CARBOCLORO OXIPAR IND. QUÍMICA S/A

 

 

CENTRO AUTOMOTIVO TAPAJÓS LTDA

 

 

OXITENO S/A INDÚSTRIA E COMÉRCIO

 

 

PETROBRÁS DISTRIBUIDORA S/A

 

 

ULTRAFERTIL S/A IND. COM. DE FERTILIZANTES

 

 

UNIPAC IND. E COM. LTDA

 

 

 

FOREIGN SUPPLIERS:

COUNTRY:

 

ALBRIGHT & WILSON AMERICAS INC.

UNITED STATES

 

ALBRIGHT & WILSON SAINT-MIHIEL

FRANCE

 

DERIVADOS DEL FLUOR S/A

SPAIN

 

FINCHIMICA S.P.A.

ITALY

 

OCCIDENTAL CHEMICAL CORP.

UNITED STATES

 

SAUREFABRIK SCHMWEIZERHALL

SWITZERLAND

 

 

PAYMENT HISTORY:

 

16 SUPPLIERS REPORTED PAYMENTS:

   TOTAL AMOUNT:  R$ 3.954.965,00

 

AMOUNT OF INVOICES PAID: 61

TOTAL OF PROMPT PAYMENTS: 100%

HIGHEST INVOICE: R$ 1.349.988,88

HIGHEST CREDIT: R$ 1.349.988,88

 

OUTSTANDING INVOICES DUE WITHIN THE NEXT 30 DAYS:

 

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

SUPPLIERS:

INVOICES:

TOTAL AMOUNT:

DUE WITHIN 30 DAYS

1

1

R$ 498,20

 

 

FINAL OPINION

 

THE SUBJECT IS A WELL-ESTABLISHED COMPANY IN BUSINESS SINCE 1954. UP TO DATE IT HAS A CLEAR TRADE HISTORY AND GOOD PAYMENT PERFORMANCE.

 

BASED ON THE GENERAL INFORMATION AVAILABLE IT IS BELIEVED THAT GOOD TRADE RELATIONS MAY BE ESTABLISHED. CREDIT FACILITIES MAY BE EXTENDED WITHIN TERMS AND AMOUNTS ADEQUATE TO THE COMPANY'S FINANCIAL STRENGTH.

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.54

UK Pound

1

Rs.88.05

Euro

1

Rs.72.29

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

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.