MIRA INFORM REPORT

 

 

Report Date :

23.01.2013

 

IDENTIFICATION DETAILS

 

Name :

CTCI CORPORATION

 

 

Registered Office :

No.89, Sec.6, Zhong Shan N. Road, Taipei 11155

 

 

Country :

Taiwan

 

 

Financials (as on) :

30.09.2012

 

 

Date of Incorporation :

06.04.1979

 

 

Com. Reg. No.:

20817282

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Engineering design, engineering purchase, engineering construction, equipment supply, construction supervision, equipment manufacture, project management, as well as test and commissioning services

 

 

No. of Employees :

7,260

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Maximum Credit Limit:

USD 5,000,000

Status :

Good

Payment Behaviour :

Regular

Litigation :

--

 

 

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)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

TAIWAN - ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. In keeping with this trend, some large, state-owned banks and industrial firms have been privatized. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. In 2009, Taiwan's GDP contracted 1.9%, due primarily to a 20% year-on-year decline in exports. In 2010 GDP grew 10.9%, as exports returned to the level of previous years, and in 2011, grew 5.2%. However, 2012 growth will likely be less, according to most forecasters, because of softening global demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, but so far Taiwan has been excluded from this greater economic integration largely because of its diplomatic status with the exception of the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010. The MA administration has said that the ECFA will serve as a stepping stone toward trade pacts with other regional partners, and negotiations on a deal with Singapore began this year. Follow-on components of ECFA, including deals on trade in goods, services, and investment, have yet to be completed. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 10.9% of the island's total population as of 2011. The island runs a large trade surplus, and its foreign reserves are the world's fourth largest, behind China, Japan, and Russia. Since 2005 China has overtaken the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Three financial memorandums of understanding, covering banking, securities, and insurance, took effect in mid-January 2010, opening the island to greater investments from the mainland's financial firms and institutional investors, and providing new opportunities for Taiwan financial firms to operate in China. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

Source : CIA


Contact Points

 

Company Name:

CTCI Corporation

Supplied Name:

CTCI Corporation

Trading Address:

No.89, Sec.6, Zhong Shan N. Road, Taipei 11155, Taiwan, R.O.C.

Supplied Address:

No. 89, Sec. 6, Jhongshan N. Rd., Shihlin District, Taipei City

Telephone Number:

+886-2-2833-9999

Fax Number:

+886-2-2833-8833

Notes: Subject’s exact name and address are as above.

 

Credit Summary

 

Credit Rating:

Maximum credit USD 5,000,000

Credit Opinion:

Business connections are permissible.

 

Company Identification Details

 

Registered Name:

CTCI Corporation

Registered Address:

No.89, Sec.6, Zhong Shan N. Road, Taipei 11155, Taiwan, R.O.C.

Date of Foundation:

1979-4-6

Registration Number:

20817282

Registry:

Department of Commerce, Ministry of Economic Affairs, R.O.C.

Registered Capital:

NTD 9,000,000,000 (USD 305,100,000)

(As of 2013.01, 1 NTD = 0.0339 USD)

Paid-up Capital:

NTD 7,319,674,230 (USD 248,136,956)

Legal Representatives:

Junyan Yu

Legal Form:

Joint Stock Company

Principal Activities:

Engineering design, engineering purchase, engineering construction, equipment supply, construction supervision, equipment manufacture, project management, as well as test and commissioning services

Staff:

7,260 employees as of 2012-9-30

Listed at Stock Exchange:

Yes (Public, TPE: 9933) 

Date of Last Annual Return:

2012-12-14

 

History

 

Subject was incorporated on 1979-4-6 with registered number 20817282 as Joint Stock Company in Taiwan.

Subject was listed at Taiwan Stock Exchange on 1993-5-28

Awards

Year

Awards

2009

Blue chip importer and exporter

2010

Blue chip importer and exporter

2011

Blue chip importer and exporter

 

Standard of Blue chip importer and exporter

Unit: USD

Year

Amount

2009

15,000,000

2010

20,000,000

2011

22,000,000

 

Shareholders

 

Name

Subscription Shares

Hsing Li Development Co., Ltd (Literal Translation)

912,170

Chuang Ding Investment Co., Ltd(Literal Translation)

344,436

Asian Crown Co., Ltd

(Literal Translation)

540

CTCI Foundation

60,862,051

Asian Crown Second Investment Co., Ltd

(Literal Translation)

500

Gintech Energy Corporation

2,948,000

 

The information above is that of subject’s major shareholders.

 

Subsidiaries & Branches

 

Major Related Companies

E&C Engineering Corp.

Resources Engineering Service Inc.

Advanced Control & System Inc.

Innovest Investment Corp.

CTCI Chemicals Corp.

KD Holding Corp.

Leading Energy Corp.

HD Resource Management Corp.

Fortune Energy Corp.

Sino Environmental Services Corp.

CTCI Machinery Corp.

CIPEC, Philippines

CTCI Overseas, Hong Kong

CIMAS, Vietnam

CTCI, Thailand.

CTCI, Korea

CTCI, Hong Kong

CINDA, India

CTCI, Malaysia

CTCI, Singapore

CTCI, Italy

CAL, KSA

CPCL, KSA

CTCI Qatar

CTCI Abu Dhahi

 

Personnel Information

 

Core Management

Directors

1

Name

Junyan Yu

Position

Board Chairman & Manager

Date of Appointment

2001-12-4

2

Name

Junhua Lin

Position

Director & Manager

Date of Appointment

2002-6-28

3

Name

Yigui Wu

Position

Director

4

Name

Xuanqin Zhou

Position

Director

5

Name

Zhisen Lin

Position

Director

6

Name

Jinling Ma

Position

Director

7

Name

Chengyun Gu

Position

Director

8

Name

Yingjun Hai

Position

Director

9

Name

Takao Kamiji

Position

Director

10

Name

Ping Shen

Position

Supervisor

11

Name

Guoqiang Hu

Position

Supervisor

12

Name

Weishu Liu

Position

Supervisor

13

Name

Yiming Xu

Position

Manager

Date of Appointment

2009-6-23

 

Operation Information

Offices & Factories

 

 

Headquarters

Add

No.89, Sec.6, Zhong Shan N. Road, Taipei 11155, Taiwan, R.O.C.

 

Production Information

 

l  Subject provides engineering design, engineering purchase, engineering construction, equipment supply, construction supervision, equipment manufacture, project management, as well as test and commissioning services

l  It is introduced that subject has been certificated by ISO 9001: 2008, ISO 14001: 2004, OHSAS 18001: 2007 and TOSHMS: 2007, etc

 

Purchase Information

 

l  The major registered activities of subject:

Business Code

Details

B101010 

Coal-Mining Industry

B102010 

Petroleum and natural gas mining Industry

B601010 

Quarrying Industrial

C801010 

Basic chemical industry

C801020 

Manufacture of petrochemical materials

C801030 

Manufacture of Precision chemical materials

C801060 

Synthetic rubber manufacturing industry

C801100 

Synthetic resin and plastic manufacturing industry

C801110  

Manufacture of fertilizer

C801120 

Manufacture of artificial fiber

C801990 

Manufacture of other chemical materials

C802120 

Manufacture of industrial additives

C802200 

Manufacture of Coating paint dye and pigment

C802990 

Manufacture of other chemical products

C901040 

Manufacture of premixed concrete

C901050 

Manufacture of Cement and concrete

CA01010 

Iron And Steel Smelting Industry

CA03010 

Heat treatment industry

CA04010 

Surface treatment industry

CB01010 

Manufacture of mechanical equipment

CB01030 

Manufacture of Pollution control equipment

CB01990 

Manufacture of other machinery

CC01010 

Manufacture of power generation, transportation and distribution machinery

CC01040 

Manufacture of lighting equipment

CE01010 

Manufacture of general instrument

D301010 

Operating of tap water

D401010 

Supplying of heat energy

E801010 

Interior Decoration 

EZ99990 

Other engineering industry

F107170 

Wholesales of industrial additive

F107200 

Wholesales of chemical materials

F107990 

Wholesales of other chemical products

F113010 

Wholesales of machinery

F113020 

Wholesales of electronic appliance

F113030 

Wholesales of precision instrument

ZZ99999 

Besides licensed business, all other business items those are not banned or restricted.

 

l  Subject purchases raw materials and equipment both at home and abroad.

 

Sales Information

 

l  Subject is mainly engaged in engineering, procurement and construction (EPC) company. The Company provides engineering design, engineering purchase, engineering construction, equipment supply, construction supervision, equipment manufacture, project management, as well as test and commissioning services to various industrial sectors such as power, infrastructure, environmental protection, steel, storage and terminal, oil refinery, incinerator, high technology, as well as petrochemicals and chemicals, among others.

l  It is introduced that subject operates its business mainly in Taiwan, Thailand, Middle East, Mainland China, India, Saudi Arab and Southeast Asia, among others.

 

Major business 

Comprehesive Services:
Feasibility Study & Planning
Project Management
Engineering Design
Procurement
Fabrication

Construction
Test & Commissioning
QA & HSE
Operation & Maintenance
Information Technology

Business Lines:
Hydrocarbon
Gas Processing
Petroleum Refining
Petrochemical
Chemical
Terminal
Polysilicon
Infrastructure, Environment & Power
Infrastructure
Transportation & Communication
Power
Steel & Nonferrous
Brewery & Winery
Environmental Protection
Incineration & Energy Recovery
Water & Waste Water

Flue Gases Cleaning System
Environmental Resources

Investment & Development
O&M / Management of Incineration Plants
O&M / Management of Infrastructure
Resources Collection / Recycling / Management
Renewable Energy
Renewal & Update of Mechatronics System

 

Import and export right:

Import right

Yes

Export right

Yes

 

Settlements

Purchase

 

Domestic Purchase

Product

Payment Terms

Proportion

Materials, etc

COD, Credit Sales, etc

100%

 

Foreign Purchase

Product

Payment Terms

Proportion

Materials, etc

CBD, Credit Sales, etc

100%

 

Sales

 

Domestic Markets

Product

Sales Terms

Proportion

Engineering Service, etc

Installment, etc

100%

Export

Product

Sales Terms

Proportion

Engineering Service, etc

Installment, etc

100%

 

 

Balance Sheet

Unit: NTD/000

 

2012-9-30

2011-09-30

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

8,955,626

10,844,604

Financial assets measured at fair value through profit or loss - current

1,423,232

2,118,413

Available-for-sale financial assets - current

415,495

389,584

Accounts receivable - net

1,106,801

1,486,519

Accounts receivable - related parties - net

118,516

232,315

Other receivables

49,460

59,353

Other receivables - related parties

3,028,911

1,434,931

Other financial assets - current

60,700

98,706

Inventories

27,546

14,100

Construction in process (for construction contracting business)

76,151,857

40,791,111

Billings on construction in process (for construction contracting business)

-70,182,032

-36,448,886

Other prepayments

3,913,932

2,372,174

Other current assets

516,007

157,680

Current assets

25,586,051

23,550,604

Funds and Investments

 

 

Financial assets carried at cost - non current

685,000

443,000

Equity investments under equity method

7,628,520

7,339,088

Investments

7,628,520

7,339,088

Other financial assets - non current

0

300

Funds and long-term investments

8,313,520

7,782,388

Fixed Assets

 

 

Cost

 

 

Land

127,227

127,227

Buildings and structures

124,799

124,799

Machinery and equipment

318,771

296,170

Transportation equipment

48,213

123,372

Office equipment

49,000

44,157

Maintenance equipment and tools

36,131

32,251

Leasehold improvements

132,709

132,939

Fixed assets cost

836,850

880,915

Accumulated depreciation

-422,815

-422,676

Construction in process and prepayment for equipments

0

5,517

Fixed assets

414,035

463,756

Intangible Assets

 

 

Computer software cost

95,697

89,380

Intangible assets

95,697

89,380

OtherAssets

 

 

Rental assets

159,879

161,240

Guarantee deposits paid

192,388

187,935

Deferred charges

68,195

90,538

Long-term notes and accounts receivable

557

679

Long-term notes and accounts receivable - related parties

452,067

0

Other assets

873,086

440,392

Assets

35,282,389

32,326,520

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Financial liabilities measured at fair value through profit or loss - current

978

34,297

Notes payable

23

2,196

Accounts payable

6,629,930

6,467,408

Accounts payable - related parties

732,516

936,498

Income tax payable

358,861

89,557

Accrued expenses

959,508

869,601

Billings on construction in process (for construction contracting business)

106,150,830

125,092,882

Construction in process (for construction contracting business)

-95,976,576

-116,183,944

Other current liabilities

92,241

140,940

Current liabilities

18,948,311

17,449,435

Long term Liabilities

 

 

Reserves

 

 

Other Liabilities

 

 

Pension reserve / accrued pension liability

1,745,517

1,190,428

Guarantee deposits received

29,928

29,053

Deferred income tax liabilities

9,947

74,119

Other liabilities - other

88,037

86,223

Other liabilities

1,873,429

1,379,823

Liabilities

20,821,740

18,829,258

Stockholders' Equity

 

 

Capital

 

 

Common stock

7,319,674

7,097,568

Capital Surplus

 

 

Capital surplus - additional paid-in capital

2,238,527

1,877,509

Capital surplus - treasury stock transactions

5,043

5,043

Capital surplus - long-term equity investments

238,887

166,490

Capital surplus - employee stock option

426,646

403,516

Capital surplus - stock option

18,368

26,097

Capital surplus - other

2,148

1,597

Capital surplus

2,929,619

2,480,252

Retained Earnings

 

 

Legal reserve

2,260,381

2,034,108

Special reserve

56,584

187,165

Unappropriated retained earnings

1,957,679

1,817,034

Retained earnings

4,274,644

4,038,307

Stockholders' Equity and Other adjustmen

 

 

Cumulative translation adjustments

85,287

104,699

Net loss not recognized as pension cost

-338,227

-385,955

Unrealized gains (losses) on financial instruments

201,487

174,226

Treasure stock

-11,835

-11,835

Equity adjustments

-63,288

-118,865

Stockholdersˉ equity

14,460,649

(USD 490,216,001)

13,497,262

(USD 457,557,182)

Number of treasury stock acquired by the company and subsidiaries (unit: share)

1,257,634

1,257,634

 

0.00

0.00

(As of 2013.01, 1 NTD = 0.0339 USD)

 

Profit and Loss Account

Unit: NTD/000

 

2012-1-1

~2012-9-30

2011-1-1

~2011-9-30

Engineering Service Revenue

24,484,679

(USD 830,030,618)

22,382,003

(USD 758,749,902)

Construction and engineering revenue

24,484,679

22,382,003

Other operating revenue

354,001

402,548

Operating income

24,838,680

22,784,551

Cost of engineering

22,777,883

20,878,338

Cost of construction and engineering service

22,777,883

20,878,338

Other operating costs

355,542

392,642

Operating costs

23,133,425

21,270,980

Gross profit (loss) from operations

1,705,255

1,513,571

Realized gains on intercompany transactions

1,385

1,359

General and administrative expenses

691,097

601,914

Research and development expenses

66,927

72,755

Operating expenses

758,024

674,669

Operating income (loss)

948,616

840,261

Non-Operating Income

 

 

Interest income

61,921

42,061

Inome from long-term equity investments under the equity method

809,761

931,319

Dividends

28,162

30,116

Investment income

837,923

961,435

Gains on disposal of fixed assets

17,844

3,054

Gains on sale of investments

739

4,491

Foreign exchange gains

0

97,131

Rent income

20,032

15,961

Revaluation gain on financial assets

108,565

0

Miscellaneous income

37,935

60,719

Non-operating revenues and gains

1,084,959

1,184,852

Non-Operating Expenses

 

 

Interest expense

0

228

Foreign exchange losses

67,387

0

Impairment loss on assets

48,000

10,000

Revaluation loss on financial assets

0

16,068

Miscellaneous disbursements

10,964

12,257

Non-operating expenses and losses

126,351

38,553

Income from continuing operations before income tax

1,907,224

1,986,560

Income tax expense (benefit)

175,844

224,216

Income from continuing operations

1,731,380

1,762,344

Net income (loss)

1,731,380

(USD 58,693,782)

1,762,344

(USD 59,743,462)

Primary Earnings per Share

 

 

Income (loss) from continuing operations

2.42

2.52

Primary earnings per share

2.42

2.52

Diluted earnings per share

 

 

Income (loss) from continuing operations

2.33

2.43

Diluted earnings per share

2.33

2.43

(As of 2013.01, 1 NTD = 0.0339 USD)

\

Cash Flows

Unit: NTD/000

 

2012-1-1

~2012-9-30

2011-1-1

~2011-9-30

Cash Flows from Operating Activities - Indirect Method

 

 

Net Income (Loss)

1,731,380

1,762,344

Net Income (Loss)

1,731,380

1,762,344

Adjustments to Reconcile Net Income to Net Cash Provided by (Used in) Operating Activities

 

 

Depreciation Expense

67,685

64,608

Amortization Expense

86,956

78,562

Share-based Compensation

71,110

103,164

Investment Loss (Income) Recognized under Equity Method

-809,761

-931,319

Cash Dividends Received from Investments Accounted for under Equity Method

763,586

780,447

Loss (Gain) on Disposal of Property, Plan and Equipment

-17,844

-3,054

Loss (Gain) on Disposal of Investments

-739

-4,491

Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

-108,565

16,068

Impairment Losses on Financial Asset

48,000

10,000

Realized Loss (Gain) on Intercompany Transactions

-1,385

-1,359

Changes in Operating Assets and Liabilities

 

 

Decrease (Increase) in Financial Assets Held for Trading

592,960

-863,944

Decrease (Increase) in Accounts Receivable

1,267,449

-289,410

Decrease (Increase) in Accounts Receivable - Related Parties

467,160

1,569,403

Decrease (Increase) in Other Receivables

6,635

21,656

Decrease (Increase) in Other Receivable- Related Parties

-1,164,992

-971,063

Decrease (Increase) in Inventories

-18,604

6,120

Decrease (Increase) in Balance of the Construction-in-progress Account Exceeds the Balance of Billings on Construction-in-progress

-2,454,971

598,296

Decrease (Increase) in Other Prepayments

-2,154,363

-886,861

Decrease (Increase) in Other Current Assets

76,130

104,355

Decrease (Increase) in Other Financial Assets

322,027

45,509

Decrease (Increase) in Deferred Tax Assets

-277,307

14,250

Decrease (Increase) in Other Operating Assets

-452,413

-1

Increase (Decrease) in Notes Payable

-5,135

-1,094

Increase (Decrease) in Accounts Payable

77,776

924,344

Increase (Decrease) in Accounts Payable - Related Parties

-332,393

565,405

Increase (Decrease) in Income Tax Payable

145,804

-121,727

Increase (Decrease) in Accrued Expenses

-365,198

-225,052

Decrease (Increase) in the Balance of Billings on Construction-in-progress Exceeds Balance of the Construction-in-progress Account

965,225

-622,974

Increase (Decrease) in Other Current Liabilities

-234,211

-95,877

Increase (Decrease) in Accrued Pension Liabilities

250,005

97,921

Net Cash Provided by (Used in) Operating Activities

-1,457,993

1,744,226

Cash Flows from Investing Activities

Acquisition of Investments Accounted for by Equity Method

-149,350

-607,883

Proceeds from Disposal of Investments Accounted for by Equity Method

23

524,920

Purchase of Property, Plant and Equipment

-23,403

-58,733

Proceeds from Disposal of Property, Plant and Equipment

19,183

9,632

Decrease (Increase) in Refundable Deposits

-5,298

-9,188

Increase in Deferred Charges

-33,836

-26,490

Purchase of Intangible Assets

-43,122

-52,177

Net Cash Provided by (Used in) Investing Activities

-235,803

-219,919

Cash Flows from Financing Activities

 

 

Increase (Decrease) in Guarantee Deposits Received

-211

5,429

Cash Dividends Paid

-1,995,431

-1,697,760

Exercise of Employee Stock Options

411,485

215,121

Net Cash Provided by (Used in) Financing Activities

-1,584,157

-1,477,210

Net Increase (Decrease) in Cash and Cash Equivalents

-3,277,953

47,097

Cash and Cash Equivalents, Beginning of year

12,233,579

10,797,507

Cash and Cash Equivalents, End of year

8,955,626

10,844,604

Supplemental Cash Flow Information

 

 

Interest Paid

0

228

Interest Paid- Excluding Capitalized Interest

0

228

Income Tax Paid

307,347

311,390

 

Bankers

 

Subject did not introduce its bank details and from other source we can not obtain the relevant information, either.

 


Public Record

Mortgage

 

No chattel mortgage record of subject has been found within the recent 3 months.

 

Lawsuit

 

1

Trial Number

2009, Beijian, 31034

Trial Date

2009-12-15

Cause

Return of cash deposit

2

Trial Number

2008, Beijian,31034

Trial Date

2009-9-29

Cause

Return of cash deposit

3

Trial Number

2007, Beijian, 34532

Trial Date

2007-9-28

Cause

Payment for goods

 

 

Interview Details

 

Department

Sales department

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.53.51

UK Pound

1

Rs.84.85

Euro

1

Rs.71.43

 

 

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

 

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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.