MIRA INFORM REPORT

 

 

Report Date :

25.07.2013

 

IDENTIFICATION DETAILS

 

Name :

SUNCHIRIN INDUSTRIES (MALAYSIA) BERHAD

 

 

Formerly Known As :

SUNCHIRIN INDUSTRY (M) BHD

 

 

Registered Office :

Lot 7, Jalan Api-Api 26/1, Hicom Industrial Estate, Section 26, 40400 Shah Alam, Selangor

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

31.10.1986

 

 

Com. Reg. No.:

157215-V

 

 

Legal Form :

Public (Limited By Share)

 

 

Line of Business :

Manufacturer of motor vehicle component parts.

 

 

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 – March 31st 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Malaysia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

MAlaysia ECONOMIC OVERVIEW

 

Malaysia, a middle-income country, has transformed itself since the 1970s from a producer of raw materials into an emerging multi-sector economy. Under current Prime Minister NAJIB, Malaysia is attempting to achieve high-income status by 2020 and to move farther up the value-added production chain by attracting investments in Islamic finance, high technology industries, biotechnology, and services. NAJIB's Economic Transformation Program (ETP) is a series of projects and policy measures intended to accelerate the country's economic growth. The government has also taken steps to liberalize some services sub-sectors. The NAJIB administration also is continuing efforts to boost domestic demand and reduce the economy''s dependence on exports. Nevertheless, exports - particularly of electronics, oil and gas, palm oil and rubber - remain a significant driver of the economy. As an oil and gas exporter, Malaysia has profited from higher world energy prices, although the rising cost of domestic gasoline and diesel fuel, combined with strained government finances, has forced Kuala Lumpur to begin to reduce government subsidies. The government is also trying to lessen its dependence on state oil producer Petronas. The oil and gas sector supplies about 35% of government revenue in 2011. Bank Negera Malaysia (central bank) maintains healthy foreign exchange reserves, and a well-developed regulatory regime has limited Malaysia''s exposure to riskier financial instruments and the global financial crisis. Nevertheless, Malaysia could be vulnerable to a fall in commodity prices or a general slowdown in global economic activity because exports are a major component of GDP. In order to attract increased investment, NAJIB has raised possible revisions to the special economic and social preferences accorded to ethnic Malays under the New Economic Policy of 1970, but he has encountered significant opposition, especially from Malay nationalists and other vested interests.

 

Source : CIA


 


* Adopted abbreviations :

SC - Subject Company (the company enquired by you)

 

 

 

N/A - Not Applicable

 

 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

157215-V

COMPANY NAME

:

SUNCHIRIN INDUSTRIES (MALAYSIA) BERHAD

FORMER NAME

:

SUNCHIRIN INDUSTRY (M) BHD (04/05/1995)

INCORPORATION DATE

:

31/10/1986

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PUBLIC (LIMITED BY SHARE)

LISTED STATUS

:

YES

LISTED DATE

:

01/07/1996

 

 

 

 

 

 

REGISTERED ADDRESS

:

LOT 7, JALAN API-API 26/1, HICOM INDUSTRIAL ESTATE, SECTION 26, 40400 SHAH ALAM, SELANGOR, MALAYSIA.

BUSINESS ADDRESS

:

LOT 7, JALAN API-API 26/1, HICOM INDUSTRIAL ESTATE, SECTION 26, 40400 SHAH ALAM, SELANGOR, MALAYSIA.

TEL.NO.

:

03-51911558

FAX.NO.

:

03-51911811

WEB SITE

:

WWW.SUNCHIRIN.NET

CONTACT PERSON

:

MITSURU ISHIMOTO ( GROUP MANAGING DIRECTOR )

 

 

 

INDUSTRY CODE

:

29300

PRINCIPAL ACTIVITY

:

MANUFACTURING OF MOTOR VEHICLE COMPONENT PARTS.

AUTHORISED CAPITAL

:

MYR 50,000,000.00 DIVIDED INTO 
ORDINARY SHARE 50,000,000.00 OF MYR 1.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 40,957,000.00 DIVIDED INTO 
ORDINARY SHARES 34,307,000 CASH AND 6,650,000 OTHERWISE OF MYR 1.00 EACH.

 

 

 

SALES

:

MYR 202,810,434 [2012]

NET WORTH

:

MYR 108,762,305 [2012]

 

 

 

STAFF STRENGTH

:

500 [2013]

BANKER (S)

:

CIMB BANK BHD
MALAYAN BANKING BHD

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

POOR

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

GOOD

INDUSTRY OUTLOOK

:

MARGINAL GROWTH

 

HISTORY / BACKGROUND

 

As a public limited company, the SC must have at least one shareholder but there is no limit on the maximum number of shareholders. The SC must have at least two directors. A public limited company is a separate legal entity from its shareholders. As a separate legal entity, the SC is capable of owning assets, entering into contracts, suing or be sued by other companies. The liabilities of the shareholders are only up to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the SC is insolvent. The SC is governed by the Companies Act,1965 and must file in its annual return, together with its financial statements with the Registrar of Companies. In Malaysia, all the companies seeking listing on the Bursa Malaysia (Malaysia Stock Exchange) must be public limited companies.

 

The SC is principally engaged in the (as a / as an) manufacturing of motor vehicle component parts..

 

The SC was listed on the Main Board of Bursa Malaysia Securities Bhd on 01/07/1996

 

The major shareholder(s) of the SC are shown as follows :


Name

Address

IC/PP/Loc No

Shareholding

(%)

NICHIRIN CO., LTD.

C/O LOT 7, JALAN API-API 26/1, SECTION 26, P.O.BOX 7153, 40704 SHAH ALAM, SELANGOR, MALAYSIA.

AFXLZ00212203

8,318,100.00

20.31

SUNRISE INDUSTRY CO., LTD.

C/O LOT 7, JALAN API-API 26/1, SECTION 26, P.O.BOX 7153, 40704 SHAH ALAM, SELANGOR, MALAYSIA.

AFXLZ00212202

6,332,417.00

15.46

MASAHITO HIRAISHI +

2-540 SUKAIN, KODERA-CHO, HIMEJA CIT, KANZAKI-GUN, HYOGO, 679-21, JAPAN.

TG6335638

1,674,820.00

4.09

TAKATOSHI YAMAMOTO

C/O SUNCHIRIN IND. (M) BHD, LOT 7, JALAN API-API 26/1, SECTION 26, P.O.BOX 7153, 40704 SHAH ALAM, SELANGOR, MALAYSIA.

TG6593776

1,550,000.00

3.78

MAYBAN NOMINEES (TEMPATAN) SDN BHD
[PLEDGED SECURITIES ACCOUNT FOR WAN MOHAMAD ZIN BIN MAT AMIN]

194, AL-IDRUS COMMERCIAL CENTRE, JALAN SATOK, 93400 KUCHING, SARAWAK, MALAYSIA.

258939

1,500,000.00

3.66

MR. WAN MOHAMAD ZIN BIN MAT AMIN +

NO 5 JALAN PJU 3/19, TROPICANA INDAH RESORT HOMES, 47410 PETALING JAYA, SELANGOR, MALAYSIA.

470204-03-5325

1,500,000.00

3.66

RHB NOMINEES (TEMPATAN) SDN BHD
[PLEDGED SECURITIES ACCOUNT FOR RIDFAN BIN ABD HAMID]

 

AFAFAF259064

771,000.00

1.88

CITIGROUP NOMINESS (ASING) SDN.BHD.
[EXEMPT AN FOR OCBC SECURITIES PRIVATE LIMITED (CLIENT A/C-NR)]

MENARA CITIBANK, 165, JALAN AMPANG, LEVEL 44, 50450 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

263875

688,700.00

1.68

MR. LIM HONG LIANG

NO.35, JALAN MEDANG TANDUK, BUKIT BANDARAYA, 59100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

590511-07-5681

653,500.00

1.60

HDM NOMINEES (ASING) SDN BHD
[DBS VICKERS SECS (S) PTE LTD FOR SUNRISE ASIA MANAGEMENT PTE. LTD.]

WISMA SRI PINANG, 60, GREEN HILL, LEVELS 2,3,4,7 & 8, 10200 GEORGE TOWN, PULAU PINANG, MALAYSIA.

278474

633,386.00

1.55

MR. QUAH LAKE JEN

23 JALAN MATA AIR, DI JALAN GENTING KELANG, SETAPAK, 53200 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

830824-14-5943

625,400.00

1.53

DATO' FARUK BIN OTHMAN +

11 JALAN SETIA MURNI 6, BUKIT DAMANSARA, 50490 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

480213-01-5237

446,100.00

1.09

MS. AIDA BINTI FARUK

NO.6,LORONG BASONG, DAMANSARA HEIGHTS, 50490 KUALA LUMPUR, MALAYSIA.

791211-14-5554

446,100.00

1.09

MR. SIAH CHONG YONG +

25 JALAN 19/32, TAMAN JINJANG BARU, 52000 KUALA LUMPUR, MALAYSIA.

631217-10-6385

63,000.00

0.15

MITSURU ISHIMOTO +

19-10-4,ROYAL TOWER, MONT KIARA PALMA, JLN KIARA, 50480 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

TZ0787316

51,000.00

0.12

MR. KIM KWEI TSANG +

LEVEL 13A, TOWER C, MEGAN AVENUE II, 12, JALAN YAP KWAN SENG, 50450 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

730430-05-5293

9,000.00

0.02

REMAINING SHAREHOLDERS

 

 

15,694,477.00

38.32

 

 

 

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

------

 

 

 

40,957,000.00

100.00

 

 

 

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

=====

+ Also Director

 

The SC interest in other companies (Subsidiaries/Associates) are shown as follow :



Local No

Country

Company

(%)

As At

 

INDONESIA

PT SUNCHIRIN INDUSTRIES INDONESIA

100.00

31/12/2012

 

 

 

 

 

 

THAILAND

SUNCHIRIN INDUSTRY (THAILAND) LTD.

100.00

31/12/2012

 

 

 

 

 

681089

MALAYSIA

SUNCHIRIN CORPORATION SDN. BHD.

100.00

29/03/2013

 

 

 

 

 

479849

MALAYSIA

SUNCHIRIN PRODUCTION SERVICES SDN. BHD.

100.00

29/03/2013

 

 

 

 

 


 

DIRECTORS

 

DIRECTOR 1

Name Of Subject

:

MR. LIM KAU CHIA

Address

:

12, JALAN CHENGAL 3/14, 40000 SHAH ALAM, SELANGOR, MALAYSIA.

 

 

 

New IC No

:

610623-10-5123

Date of Birth

:

23/06/1961

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

03/01/2008

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

TAMIYO MAEDA

Address

:

UTASHIKIYAMA 1-7-21, TARUMI-KU KOBE-SHI, HYOGO 6550037, JAPAN.

IC / PP No

:

TH2642078

 

 

 

 

 

 

 

 

 

Nationality

:

JAPANESE

Date of Appointment

:

29/03/2007

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

MICHIAKI NAGAI

Address

:

6-11-15 SHINZAIKE HONCHO, HIMEJI, HYOGO, JAPAN.

IC / PP No

:

TH0210425

 

 

 

 

 

 

 

 

 

Nationality

:

JAPANESE

Date of Appointment

:

03/01/2008

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 4

 

Name Of Subject

:

MR. KIM KWEI TSANG

Address

:

LEVEL 13A, TOWER C, MEGAN AVENUE II, 12, JALAN YAP KWAN SENG, 50450 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

New IC No

:

730430-05-5293

Date of Birth

:

30/04/1973

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

18/02/2003

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 5

 

Name Of Subject

:

MITSURU ISHIMOTO

Address

:

19-10-4,ROYAL TOWER, MONT KIARA PALMA, JLN KIARA, 50480 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

IC / PP No

:

TZ0787316

 

 

 

 

 

 

 

 

 

 

 

 

Date of Appointment

:

26/05/2003

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 6

 

Name Of Subject

:

MR. SIAH CHONG YONG

Address

:

25 JALAN 19/32, TAMAN JINJANG BARU, 52000 KUALA LUMPUR, MALAYSIA.

 

 

 

New IC No

:

631217-10-6385

Date of Birth

:

17/12/1963

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

20/05/2010

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 7

 

Name Of Subject

:

DATO' FARUK BIN OTHMAN

Address

:

11 JALAN SETIA MURNI 6, BUKIT DAMANSARA, 50490 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

New IC No

:

480213-01-5237

Date of Birth

:

13/02/1948

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

16/06/2011

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 8

 

Name Of Subject

:

MR. WAN MOHAMAD ZIN BIN MAT AMIN

Address

:

NO 5 JALAN PJU 3/19, TROPICANA INDAH RESORT HOMES, 47410 PETALING JAYA, SELANGOR, MALAYSIA.

 

 

 

New IC No

:

470204-03-5325

Date of Birth

:

04/02/1947

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

13/11/1995

 

 

 

 

 

 

 

 

 

DIRECTOR 9

 

Name Of Subject

:

MASAHITO HIRAISHI

Address

:

2-540 SUKAIN, KODERA-CHO, HIMEJA CIT, KANZAKI-GUN, HYOGO, 679-21, JAPAN.

IC / PP No

:

TG6335638

 

 

 

 

 

 

 

 

 

Nationality

:

JAPANESE

Date of Appointment

:

20/05/2010



MANAGEMENT

 

 

 

1)

Name of Subject

:

MITSURU ISHIMOTO

 

Position

:

GROUP MANAGING DIRECTOR

 

 

 

 

 

2)

Name of Subject

:

LEE

 

Position

:

FINANCE & ACCOUNTS MANAGER

 

 

 

 

 

3)

Name of Subject

:

STACEY LEE SEAK MOEY

 

Position

:

FINANCE MANAGER

 

 

 

 

 

4)

Name of Subject

:

LEE HOCK CHUAN

 

Position

:

BUSINESS DEVELOPMENT MANAGER

 

 

 

 

 

5)

Name of Subject

:

FAUZAN KASTAMAM

 

Position

:

HUMAN RESOURCE MANAGER

 

 

 

 

 

6)

Name of Subject

:

MASAHITO HIRAISHI

 

Position

:

EXECUTIVE CHAIRMAN

 

 

 

AUDITOR

 

Auditor

:

RUSSELL BEDFORD LC & COMPANY

Auditor' Address

:

BANGUNAN YEE SENG,15, JALAN RAJA CHULAN, 10TH FLOOR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MR. LIM KAU CHIA

 

 

 

 

 

New IC No

:

610623-10-5123

 

Address

:

12, JALAN CHENGAL 3/14, 40000 SHAH ALAM, SELANGOR, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

2)

Company Secretary

:

MS. LEONG OI WAH

 

IC / PP No

:

5988820

 

New IC No

:

601003-10-6390

 

Address

:

21, JALAN 4/54, 46050 PETALING JAYA, SELANGOR, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

CIMB BANK BHD

 

 

 

 

 

 

 

 

 

2)

Name

:

MALAYAN BANKING BHD

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

1

01/10/1987

N/A

MALAYAN BANKING BERHAD

MYR 115,000.00

Satisfied

2

15/03/1988

N/A

MALAYAN BANKING BERHAD

MYR 4,550,000.00

Satisfied

3

23/05/1989

N/A

MALAYAN BANKING BERHAD

MYR 1,300,000.00

Satisfied

4

13/12/1989

N/A

CIMB BANK BERHAD

MYR 2,100,000.00

Satisfied

5

15/12/2011

N/A

MAYBANK INTERNATIONAL (L) LTD

N/A

Unsatisfied

 

 

LEGAL CHECK AGAINST SC


* A check has been conducted in our databank againt the SC whether the subject has been involved in any litigation. Our databank consists of 99% of the wound up companies in Malaysia.

No legal action was found in our databank. 

No winding up petition was found in our databank. 

DEFAULTER CHECK AGAINST SC


* We have checked through the SC in our defaulters' database which comprised of debtors that have been blacklisted by our customers and debtors that have been placed or assigned to us for collection since 1990. Information was provided by third party where the debt amount can be disputed. Please check with creditors for confirmation as alleged debts may have been paid since recorded or are being disputed. 

No blacklisted record & debt collection case was found in our defaulters' databank. 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

YES

Overseas

:

YES

 

 

 

 

A trade enquiry with SC's suppliers revealed the following:

 

 

Supplier 1

Types of Supplies

:

CUSTOMIZED SPARE PARTS

Time Known

:

8 YEARS

Credit Term

:

90 DAYS

Mode of Payment

:

CHEQUES

Credit Limit

:

N/A

Mthly Avg Trx.

:

N/A

Outstanding amount

:

N/A

Payment Record

:

GOOD



According to our trade survey and the historical financial accounts, we are of the opinion that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

 

]

 

Good 31-60 Days

[

 

]

 

Average 61-90 Days

[

X

]

 

Fair 91-120 Days

[

 

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 


CLIENTELE

 

Local

:

YES

Domestic Markets

:

MALAYSIA

Overseas

:

YES

 

 

 

Export Market

:

ASIA

EUROPE

AUSTRALIA

INDIA

Credit Term

:

30 - 60 DAYS

 

 

 

 

 

 

Payment Mode

:

TELEGRAPHIC TRANSFER (TT)
LETTER OF CREDIT (LC)
CHEQUES

Type of Customer

:

AUTOMOTIVE INDUSTRIES

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATIONS

 

Products manufactured

:

MOTOR VEHICLE COMPONENT PARTS

 

 

 

Brand Name

:

SUNCRN, ZETPOWER

 

 

 

 

Competitor(s)

:

DELLOYD INDUSTRIES (M) SDN BHD

 

 

 

 

Member(s) / Affiliate(s)

:

FEDERATION OF MALAYSIAN MANUFACTURERS (FMM)

SMI ASSOCIATION OF MALAYSIA

SMALL & MEDIUM ENTERPRISE

MALAYSIA EXTERNAL TRADE DEVELOPMENT CORPORATION (MATRADE)

 

 

 

Ownership of premises

:

OWNED

 

 

Total Number of Employees:

 

YEAR

2013

2012

2011

2010

2009

2008

 

 

 


 

GROUP

N/A

N/A

N/A

N/A

N/A

N/A

 

 

 

COMPANY

500

500

500

500

450

400

 

 

 

 

Branch

:

NO

 

 

Other Information:

The SC is principally engaged in the (as a / as an) manufacturing of motor vehicle component parts.. 

The SC's product categories comprises precision machined parts, metal stamping parts, and automobile parts as follows:

* Precision Machined Parts - stainless steel parts, and nuts and bolts. 

* Stamping Parts - motorcycle parts, brackets for car body, motorcycle parts, receiver drier brackets, brackets for control unit in car alarm system, and fuse terminator. 

* Automobile Parts - automotive air-conditioning hose assembly, couplings, pipings, power steering suction connector, power steering hose assembly, water inlet, air suction connector, breather tube, oil cooler tube, hydraulic couplings, and mufflers. 

The SC utilizes advanced automated and semi-automated machineries to ensure production of high quality products.

All products are manufactured according to technical drawings and Japanese manufacturing systems apply. 

Main production machineries are as follows:

* CNC Machining JNC-16/JNC-25/SR 32 
* TIG Welder 
* Bench Lathe 
* End Former 40 ton/30 ton/25 ton 
* CNC Bending Machine Robot & Loader 
* CNC Lathe Machine 
* Robodrill Self Center 
* Press Machines 150 ton/110 ton/65 ton/60 ton/35 ton/30 ton 
* Hose Crimping Machine 

The SC manufactures its products for HONDA, DENSO, PERODUA and others. 

PROJECTS


No projects found in our databank 

RECENT DEVELOPMENT


24/06/2011 

Sunchirin Industries (Malaysia) Berhad - Proposed acquisition of two plots of adjoining lands (the Property) by PT Sunchirin Industries Indonesia, a subsidiary of SUNCHIRIN (Proposed Acquisition).


CURRENT INVESTIGATION

Latest fresh investigations carried out on the SC indicated that :

Telephone Number Provided By Client

:

51911558

Current Telephone Number

:

03-51911558

Match

:

YES

 

 

 

Address Provided by Client

:

LOT 7, JALAN API-API 26/1, HICOM INDUSTRIAL ESTATE, SECTION 26, 40400, SHAH ALA MALAYSIA

Current Address

:

LOT 7, JALAN API-API 26/1, HICOM INDUSTRIAL ESTATE, SECTION 26, 40400 SHAH ALAM, SELANGOR, MALAYSIA.

Match

:

NO

 

 

 

Latest Financial Accounts

:

YES

 


Other Investigations


we contacted one of the Senior staff from the Admin Department. She provided some information on the SC.

The address provided is incomplete. 

FINANCIAL ANALYSIS

 

 

Profitability

 

 

 

 

 

 

Turnover

:

Increased

[

2008 - 2012

]

 

Profit/(Loss) Before Tax

:

Increased

[

2008 - 2012

]

 

Return on Shareholder Funds

:

Unfavourable

[

2.66%

]

 

Return on Net Assets

:

Unfavourable

[

4.99%

]

 

 

 

 

 

 

 

 

The SC's turnover increased steadily as the demand for its products / services increased due to the goodwill built up over the years.The higher profit could be attributed to the increase in turnover. The unfavourable return on shareholders' funds could indicate that the SC was inefficient in utilising its assets to generate returns.

 

 

 

 

 

 

 

Working Capital Control

 

 

 

 

 

 

Stock Ratio

:

Acceptable

[

64 Days

]

 

Debtor Ratio

:

Unfavourable

[

94 Days

]

 

Creditors Ratio

:

Unfavourable

[

63 Days

]

 

 

 

 

 

 

 

 

The SC kept adequate stocks to meet its normal business transactions without incurring excessive storage costs. The SC's debtors ratio was high. The SC should tighten its credit control and improve its collection period. The unfavourable creditors' ratio could be due to the SC taking advantage of the credit granted by its suppliers. However this may affect the goodwill between the SC and its suppliers and the SC may inadvertently have to pay more for its future supplies.

 

 

 

 

 

 

 

Liquidity

 

 

 

 

 

 

Liquid Ratio

:

Favourable

[

1.02 Times

]

 

Current Ratio

:

Unfavourable

[

1.37 Times

]

 

 

 

 

 

 

 

 

A minimum liquid ratio of 1 should be maintained by the SC in order to assure its creditors of its ability to meet short term obligations and the SC was in a good liquidity position. Thus, we believe the SC is able to meet all its short term obligations as and when they fall due.

 

 

 

 

 

 

 

Solvency

 

 

 

 

 

 

Interest Cover

:

Unfavourable

[

2.62 Times

]

 

Gearing Ratio

:

Acceptable

[

0.94 Times

]

 

 

 

 

 

 

 

 

The SC's interest cover was low. If its profits fall or when interest rate rises, it may not be able to meet all its interest payment. The SC's gearing was slightly high. The SC is utilising the leverage concept to fund its expansion. However, the high gearing has added financial risks to the SC. It will be more vulnerable in times of economy downturn.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overall Assessment :

 

 

 

 

 

 

Generally, the SC's performance has improved with higher turnover and profit. The SC was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the SC should be able to repay its short term obligations. If there is a fall in the SC's profit or any increase in interest rate, the SC may not be able to generate sufficient cash-flow to service its interest. The SC's gearing was slightly high and its financial risk was also high. If no plans are made to reduce its gearing, the SC's performance may deteriorate in the coming year.

 

 

 

 

 

 

 

Overall financial condition of the SC : POOR

 

 

 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2009

2010

2011

2012*

2013**

 

 

 

 

 

 

Population ( Million)

28.13

28.35

28.70

29.30

29.80

Gross Domestic Products ( % )

<0.5>

7.2

5.1

5.6

5.3

Domestic Demand ( % )

2.9

6.3

8.2

9.4

5.6

Private Expenditure ( % )

<2.7>

8.1

8.2

8.0

7.4

Consumption ( % )

0.7

6.7

7.1

1.0

5.7

Investment ( % )

<17.2>

17.7

12.2

11.7

13.3

Public Expenditure ( % )

5.2

3.8

8.4

13.3

1.2

Consumption ( % )

3.1

0.2

16.1

11.3

<1.2>

Investment ( % )

8.0

2.8

<0.3>

15.9

4.2

 

 

 

 

 

 

Balance of Trade ( MYR Million )

89,650

118,356

116,058

106,300

110,700

Government Finance ( MYR Million )

<28,450>

<40,482>

<45,511>

<42,297>

<39,993>

Government Finance to GDP / Fiscal Deficit ( % )

<4.8>

<5.6>

<5.4>

<4.5>

<4.0>

Inflation ( % Change in Composite CPI)

<5.2>

5.1

3.1

1.6

2.5

Unemployment Rate

4.5

3.9

3.3

3.2

3.0

 

 

 

 

 

 

Net International Reserves ( MYR Billion )

331

329

415

427

-

Average Risk-Weighted Capital Adequacy Ratio ( % )

2.87

2.20

3.50

2.20

-

Average 3 Months of Non-performing Loans ( % )

11.08

15.30

14.80

14.70

-

Average Base Lending Rate ( % )

5.53

6.30

6.60

6.53

-

Business Loans Disbursed( % )

10.5

14.7

15.3

32.2

-

Foreign Investment ( MYR Million )

22,156.8

22,517.9

23,546.1

26,230.4

-

Consumer Loans ( % )

-

-

-

-

-

 

 

 

 

 

 

Registration of New Companies ( No. )

41,578

44,148

45,455

45,441

-

Registration of New Companies ( % )

<0.1>

6.2

3.0

<0.0>

-

Liquidation of Companies ( No. )

39,075

25,585

132,476

-

-

Liquidation of Companies ( % )

39.6

<34.5>

417.8

-

-

 

 

 

 

 

 

Registration of New Business ( No. )

312,581

271,414

284,598

324,761

-

Registration of New Business ( % )

-

-

-

-

-

Business Dissolved ( No. )

19,345

19,738

20,121

-

-

Business Dissolved ( % )

2.4

2.0

1.9

-

-

 

 

 

 

 

 

Sales of New Passenger Cars (' 000 Unit )

486.3

543.6

535.1

552.2

-

Cellular Phone Subscribers ( Million )

30.1

32.8

35.3

38.5

-

Tourist Arrival ( Million Persons )

23.6

24.6

24.7

25.0

-

Hotel Occupancy Rate ( % )

58.0

63.0

60.6

62.4

-

 

 

 

 

 

 

Credit Cards Spending ( % )

12.8

14.1

15.6

12.6

-

Bad Cheque Offenders (No.)

36,667

33,568

32,627

26,982

-

Individual Bankruptcy ( No.)

16,228

18,119

19,167

19,575

-

Individual Bankruptcy ( % )

16.7

11.7

5.8

2.1

-

INDUSTRIES ( % of Growth ):

2009

2010

2011

2012*

2013**

 

 

 

 

 

 

Agriculture

0.4

2.1

5.9

0.6

2.4

Palm Oil

<1.1>

<3.4>

10.8

<2.8>

-

Rubber

<19.8>

9.9

6.1

<0.6>

-

Forestry & Logging

<5.9>

<3.3>

<7.6>

<2.2>

-

Fishing

5.5

5.6

2.1

<0.7>

-

Other Agriculture

9.0

7.9

7.1

6.4

-

Industry Non-Performing Loans ( MYR Million )

413.7

508.4

634.1

-

-

% of Industry Non-Performing Loans

1.3

2.1

3.2

-

-

 

 

 

 

 

 

Mining

<3.8>

0.2

<5.7>

1.5

2.7

Oil & Gas

2.1

0.5

<1.7>

-

-

Other Mining

-

-

-

-

-

Industry Non-performing Loans ( MYR Million )

44.2

49.7

46.5

-

-

% of Industry Non-performing Loans

0.1

0.1

0.1

-

-

 

 

 

 

 

 

Manufacturing #

<9.4>

11.4

4.7

4.2

4.9

Exported-oriented Industries

<19.0>

12.1

2.8

4.1

-

Electrical & Electronics

<30.3>

28.4

<4.9>

1.6

-

Rubber Products

<10.1>

25.3

15.4

3.6

-

Wood Products

<24.1>

20.1

<4.9>

4.6

-

Textiles & Apparel

<19.5>

<0.4>

14.8

<7.1>

-

Domestic-oriented Industries

<9.8>

16.3

6.5

8.6

-

Food, Beverages & Tobacco

0.2

3.0

4.2

-

-

Chemical & Chemical Products

<7.7>

16.2

5.5

9.9

-

Plastic Products

<9.1>

2.4

3.8

-

-

Iron & Steel

<32.7>

29.3

2.4

-

-

Fabricated Metal Products

<2.5>

14.9

25.2

-

-

Non-metallic Mineral

<15.5>

20.2

27.1

6.6

-

Transport Equipment

<13.5>

36.5

<10.4>

13.7

-

Paper & Paper Products

<5.0>

18.7

14.8

<7.8>

-

Crude Oil Refineries

0.2

<11.4>

9.3

-

-

Industry Non-Performing Loans ( MYR Million )

6,007.3

6,217.5

6,537.2

-

-

% of Industry Non-Performing Loans

18.3

23.8

25.7

-

-

 

 

 

 

 

 

Construction

5.8

5.1

4.4

15.5

11.2

Industry Non-Performing Loans ( MYR Million )

3,241.8

4,038.5

3,856.9

-

-

% of Industry Non-Performing Loans

9.9

10.7

10.2

-

-

 

 

 

 

 

 

Services

2.6

6.5

6.4

5.5

5.6

Electric, Gas & Water

0.4

8.5

5.6

4.8

-

Transport, Storage & Communication

1.6

7.7

6.5

7.3

-

Wholesale, Retail, Hotel & Restaurant

2.8

4.7

5.2

6.9

-

Finance, Insurance & Real Estate

3.8

6.1

6.3

6.5

-

Government Services

2.0

6.7

7.6

5.6

-

Other Services

4.4

4.2

5.4

5.7

-

Industry Non-Performing Loans ( MYR Million )

6,631.3

7,384.6

6,825.2

-

-

% of Industry Non-Performing Loans

20.2

25.7

23.4

-

-

 

 

 

 

 

 

 

 

 

 

 

 

* Estimate / Preliminary

 

 

 

 

 

** Forecast

 

 

 

 

 

# Based On Manufacturing Production Index 
(Source : Department of Statistics / Economic Report / Bank Negara Report)

 

INDUSTRY ANALYSIS

 

MSIC CODE

29300 : Manufacture of parts and accessories for motor vehicles

 

 

INDUSTRY :

MOTOR VECHICLE

 

 

 

The total industry volume (TIV) for year 2013 forcasted 640 000 units. This is an increase of 2.0% compared to the year 2012. Sales of passenger vehicles in the year 2013 forcasted increase by 2.0% to 563 000 units compared to 552 189 units at the year 2012. While sales of comercial vehicles in year 2013 forcasted to increase by 2.0% to 77 000 units compared to 75 564 units at the year 2012.

 

It is a big challenge for the TIV of year 2013 to create another high record. However, Malaysia's GPD growth is forcasted to be 5.6% in year 2013. This is driven by exports and domestic demand and is expected to give confidence in consumer sentiments. Besides, multiplier effects from the Economic Transformation Programme's (ETP) projects would give a further boost to the domestic economy and create greater demand for new vehicles. 

 

According to the Malaysian Automotive Association (MAA), the implimentation of the Bank Negara's guidelines on responsible financing practices from 1st January 2012 coused a slowdown in new vehicle purchase in first quarter 2012. However, the total industry volume (TIV) of the year 2012 surged to a historical high of 627,753 units which is an all time record achievement for the industry. This record had overtaken the previous highest record of 605,156 units achieved in 2010. It had also outperformed the MAA's TIV forcast of 615,000 units. The main contributors to the growth were led by Perodua and Proton, followed by Toyota, Honda and Nissan.

 

The total registration of new passenger vehicles in year 2012 reached 552,189 unts compare with 535,113 units in year 2011. Which had bring an increase of 3.2% (17,076 units) of growth rate in the registration of passenger vehicles. While the total registration for commercial vehicles n 2012 was 75,564 units which is an increase of 6.2% (10,554 units). Besides, the production of new vehicles also recorded an increase of 6.8% (36,105 units) in year 2012. According to the president of Malaysian Automotive Association (MAA), the record new vehicle sales in 2012 was due to factors such as strong economic growth, the implementation of infrastructure projects under the Economic Transformation Programme (ETP), increased consumer spending and consumption due to stable employment and rising disposable income, introduction of new models at competitive prices as well as aggressive sales campaigns by car companies.

 

 

OVERALL INDUSTRY OUTLOOK : Marginal Growth

 

CREDIT RISK EVALUATION & RECOMMENDATION

 

 

Incorporated in 1986, the SC is a Public Listed company, focusing on manufacturing of motor vehicle component parts. The SC has been in business for over two decades. It has built up a strong clientele base and good reputation will enable the SC to further enhance its business in the near term. The SC is expected to enjoy a stable market shares. Having strong support from its shareholder has enabled the SC to remain competitive despite the challenging business environment. The SC is a large entity with strong capital position. We are confident with the SC's business and its future growth prospect. 

Over the years, the SC has penetrated into both the local and overseas market. The SC has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the SC to further enhance its business in the near term. Being a large entity, the SC has a steady workforce of 500 personnel to support its business operations. Its future prospects seem to be fairly good as its business operations are running relatively stable. Overall, we regard that the SC's management capability is average. This indicates that the SC has greater potential to improve its business performance and raising income for the SC. 

We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. The SC has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. The SC is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. The gearing level of the SC is slightly high, therefore it faces moderate financial risk. Given a positive net worth standing at MYR 108,762,305, the SC should be able to maintain its business in the near terms. 

Having a strong assets backing, the SC possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises. The SC's supplier are from both the local and overseas countries. This will eliminates the risk of dependency on deliveries from a number of key suppliers and insufficient quantities of its raw materials. Overall the SC has a good control over its resources. 

The SC's payment habit is average. With its adequate working capital, the SC should be able to pay its short term debts. 

The industry has reached its maturity stage and only enjoying a marginal growth. The steady growth of the country's economy will further enhance the industry activities. Thus, the SC's future performance is very much depend on its marketing strategies in order to retain its position in the market. 

Based on the above condition, we recommend credit be granted to the SC normally.

 

 

PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH MALAYSIAN FINANCIAL REPORTING STANDARDS(FRS)

SUNCHIRIN INDUSTRIES (MALAYSIA) BERHAD

 

Financial Year End

31/12/2012

31/12/2011

31/12/2010

31/12/2009

31/12/2008

Months

12

12

12

12

12

Consolidated Account

GROUP

GROUP

GROUP

GROUP

GROUP

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

FULL

Currency

MYR

MYR

MYR

MYR

MYR

 

 

 

 

 

 

TURNOVER

202,810,434

155,892,045

155,104,177

122,438,943

136,780,573

 

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

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

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

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

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

Total Turnover

202,810,434

155,892,045

155,104,177

122,438,943

136,780,573

Costs of Goods Sold

<181,209,306>

<135,186,002>

<129,435,131>

-

-

 

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

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

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

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

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

Gross Profit

21,601,128

20,706,043

25,669,046

-

-

 

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

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

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

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

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

 

 

 

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

4,703,439

1,141,236

13,113,668

6,074,290

8,493,959

SHARE OF PROFITS/(LOSSES) OF ASSOCIATED COMPANIES

406,549

620,014

760,670

775,052

825,175

 

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

5,109,988

1,761,250

13,874,338

6,849,342

9,319,134

Taxation

<2,212,900>

<1,342,442>

<1,598,604>

<1,406,438>

<1,201,847>

 

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

2,897,088

418,808

12,275,734

5,442,904

8,117,287

 

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

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

 

 

 

As previously reported

60,990,438

64,606,570

54,734,848

52,158,444

46,340,909

Prior year adjustment

-

<177,144>

<18,892>

-

347,873

 

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

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

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

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

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

As restated

60,990,438

64,429,426

54,715,956

52,158,444

46,688,782

 

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

63,887,526

64,848,234

66,991,690

57,601,348

54,806,069

TRANSFER TO RESERVES - General

98,779

<18,946>

<410,000>

-

<100,100>

DIVIDENDS - Ordinary (paid & proposed)

-

<3,838,850>

<1,975,120>

<2,866,500>

<2,547,525>

 

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

63,986,305

60,990,438

64,606,570

54,734,848

52,158,444

 

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

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

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

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

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

 

 

 

 

 

 

INTEREST EXPENSE (as per notes to P&L)

 

 

 

 

 

Bank overdraft

65,552

76,270

30

-

-

Bankers' acceptance

65,743

37,343

-

-

-

Hire purchase

62,807

-

-

-

-

Letter of credit

132,153

-

-

-

-

Revolving loans

173,907

72,422

-

-

-

Term loan / Borrowing

1,754,171

629,798

194,405

-

-

Others

898,741

67,547

-

52,328,000

153,164

 

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

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

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

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

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

 

3,153,074

883,380

194,435

52,328,000

153,164

 

 

 

BALANCE SHEET

 

 

SUNCHIRIN INDUSTRIES (MALAYSIA) BERHAD

 

ASSETS EMPLOYED:

 

 

 

 

 

FIXED ASSETS

118,416,101

93,189,631

48,022,718

35,945,970

38,150,584

 

 

 

 

 

 

LONG TERM INVESTMENTS/OTHER ASSETS

 

 

 

 

 

Associated companies

7,297,848

7,208,980

6,102,057

5,746,974

5,031,296

Investments

-

-

314,300

-

3,500,000

Deferred assets

1,377,162

281,273

78,054

-

-

Others

30,030

-

-

-

-

 

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

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

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

8,705,040

7,490,253

6,494,411

5,746,974

8,531,296

 

 

 

 

 

 

INTANGIBLE ASSETS

 

 

 

 

 

Deferred/Expenditure carried forward

-

-

256,582

-

-

Computer software

276,831

286,715

-

-

-

Others

863,367

943,190

-

-

-

 

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

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

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

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

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

TOTAL INTANGIBLE ASSETS

1,140,198

1,229,905

256,582

-

-

 

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

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

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

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

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

TOTAL LONG TERM ASSETS

128,261,339

101,909,789

54,773,711

41,692,944

46,681,880

 

 

 

 

 

 

CURRENT ASSETS

 

 

 

 

 

Stocks

35,362,004

34,967,095

23,785,535

18,653,031

18,315,155

Trade debtors

52,496,265

41,187,777

34,612,604

31,826,371

25,965,858

Other debtors, deposits & prepayments

12,000,728

6,646,855

9,419,097

6,258,893

3,353,096

Short term deposits

20,657,510

563,747

21,813,415

35,066,328

25,205,470

Amount due from associated companies

-

-

-

-

40

Cash & bank balances

16,303,111

20,237,118

7,988,028

1,752,045

10,926,442

Others

434,151

1,485,879

284,251

199,338

473,493

 

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

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

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

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

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

TOTAL CURRENT ASSETS

137,253,769

105,088,471

97,902,930

93,756,006

84,239,554

 

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

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

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

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

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

TOTAL ASSET

265,515,108

206,998,260

152,676,641

135,448,950

130,921,434

 

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

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

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

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

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

 

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

 

Trade creditors

31,481,085

31,631,468

21,655,649

18,099,977

19,345,973

Other creditors & accruals

17,379,912

6,710,499

7,054,227

6,418,553

4,664,715

Hire purchase & lease creditors

2,329,257

-

-

-

-

Bank overdraft

820,135

517,094

48,082

671,971

460,459

Short term borrowings/Term loans

40,610,846

20,076,825

-

1,221,778

473,420

Bill & acceptances payable

4,342,000

922,000

-

-

-

Amounts owing to associated companies

-

-

317,355

249,620

128,276

Provision for taxation

877,615

532,773

643,736

307,536

316,147

Other liabilities

1,994,888

16,779

-

-

-

 

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

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

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

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

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

TOTAL CURRENT LIABILITIES

99,835,738

60,407,438

29,719,049

26,969,435

25,388,990

 

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

37,418,031

44,681,033

68,183,881

66,786,571

58,850,564

 

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

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

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

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

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

TOTAL NET ASSETS

165,679,370

146,590,822

122,957,592

108,479,515

105,532,444

 

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

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

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

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

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

 

 

 

 

 

 

SHARE CAPITAL

 

 

 

 

 

Ordinary share capital

40,957,000

40,957,000

40,957,000

40,957,000

40,957,000

 

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

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

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

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

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

TOTAL SHARE CAPITAL

40,957,000

40,957,000

40,957,000

40,957,000

40,957,000

 

 

 

 

 

 

RESERVES

 

 

 

 

 

Share premium

7,161,950

7,161,950

7,161,950

7,161,950

7,161,950

Exchange equalisation/fluctuation reserve

<39,824>

1,794,126

2,351,514

2,849,765

2,095,637

Statutory reserve

1,247,700

1,247,700

1,247,700

837,700

837,700

Retained profit/(loss) carried forward

63,986,305

60,990,438

64,606,570

54,734,848

52,158,444

Others

<4,550,826>

<4,546,198>

<3,976,075>

<213,361>

-

 

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

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

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

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

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

TOTAL RESERVES

67,805,305

66,648,016

71,391,659

65,370,902

62,253,731

 

 

 

 

 

 

 

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

108,762,305

107,605,016

112,348,659

106,327,902

103,210,731

 

 

 

 

 

 

LONG TERM LIABILITIES

 

 

 

 

 

Long term loans

45,253,403

35,970,291

8,211,008

-

423,193

Hire purchase creditors

9,023,840

-

-

-

-

Deferred taxation

763,000

1,052,362

826,439

1,013,402

882,794

Retirement benefits provision

1,876,822

1,963,153

1,571,486

1,138,211

1,015,726

 

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

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

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

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

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

TOTAL LONG TERM LIABILITIES

56,917,065

38,985,806

10,608,933

2,151,613

2,321,713

 

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

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

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

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

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

 

165,679,370

146,590,822

122,957,592

108,479,515

105,532,444

 

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

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

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

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

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

 

 

 

 

 

 

 

 

 

FINANCIAL RATIO

 

 

SUNCHIRIN INDUSTRIES (MALAYSIA) BERHAD

 

TYPES OF FUNDS

 

 

 

 

 

Cash

36,960,621

20,800,865

29,801,443

36,818,373

36,131,912

Net Liquid Funds

31,798,486

19,361,771

29,753,361

36,146,402

35,671,453

Net Liquid Assets

2,056,027

9,713,938

44,398,346

48,133,540

40,535,409

Net Current Assets/(Liabilities)

37,418,031

44,681,033

68,183,881

66,786,571

58,850,564

Net Tangible Assets

164,539,172

145,360,917

122,701,010

108,479,515

105,532,444

Net Monetary Assets

<54,861,038>

<29,271,868>

33,789,413

45,981,927

38,213,696

BALANCE SHEET ITEMS

 

 

 

 

 

Total Borrowings

102,553,388

57,558,632

8,259,090

1,893,749

1,357,072

Total Liabilities

156,752,803

99,393,244

40,327,982

29,121,048

27,710,703

Total Assets

265,515,108

206,998,260

152,676,641

135,448,950

130,921,434

Net Assets

165,679,370

146,590,822

122,957,592

108,479,515

105,532,444

Net Assets Backing

108,762,305

107,605,016

112,348,659

106,327,902

103,210,731

Shareholders' Funds

108,762,305

107,605,016

112,348,659

106,327,902

103,210,731

Total Share Capital

40,957,000

40,957,000

40,957,000

40,957,000

40,957,000

Total Reserves

67,805,305

66,648,016

71,391,659

65,370,902

62,253,731

LIQUIDITY (Times)

 

 

 

 

 

Cash Ratio

0.37

0.34

1.00

1.37

1.42

Liquid Ratio

1.02

1.16

2.49

2.78

2.60

Current Ratio

1.37

1.74

3.29

3.48

3.32

WORKING CAPITAL CONTROL (Days)

 

 

 

 

 

Stock Ratio

64

82

56

56

49

Debtors Ratio

94

96

81

95

69

Creditors Ratio

63

85

61

54

52

SOLVENCY RATIOS (Times)

 

 

 

 

 

Gearing Ratio

0.94

0.53

0.07

0.02

0.01

Liabilities Ratio

1.44

0.92

0.36

0.27

0.27

Times Interest Earned Ratio

2.62

2.99

72.36

1.13

61.84

Assets Backing Ratio

4.02

3.55

3.00

2.65

2.58

PERFORMANCE RATIO (%)

 

 

 

 

 

Operating Profit Margin

2.52

1.13

8.95

5.59

6.81

Net Profit Margin

1.43

0.27

7.91

4.45

5.93

Return On Net Assets

4.99

1.80

11.44

54.55

8.98

Return On Capital Employed

4.86

1.78

11.41

54.22

8.94

Return On Shareholders' Funds/Equity

2.66

0.39

10.93

5.12

7.86

Dividend Pay Out Ratio (Times)

0.00

9.17

0.16

0.53

0.31

NOTES TO ACCOUNTS

 

 

 

 

 

Contingent Liabilities

0

0

0

0

0





 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.45

UK Pound

1

Rs.91.24

Euro

1

Rs.78.44

 

INFORMATION DETAILS

 

Report Prepared by :

MNL

 

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.