MIRA INFORM REPORT

 

 

Report Date :

10.06.2013

 

IDENTIFICATION DETAILS

 

Name :

LABORATORIOS ANDROMACO S.A.

 

 

Registered Office :

Av. Quilín 5273 - Peñalolén Santiago XIII Region Metropolitana

 

 

Country :

Chile

 

 

Financials (as on) :

31.12.2012

 

 

Year of Incorporation :

1942

 

 

Legal Form :

Public Stock Company

 

 

Line of Business :

Laboratory of pharmaceutical products for human consumption.

 

 

No. of Employees :

821

 

 

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)

Chile

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

CHILE - ECONOMIC OVERVIEW

 

Chile has a market-oriented economy characterized by a high level of foreign trade and a reputation for strong financial institutions and sound policy that have given it the strongest sovereign bond rating in South America. Exports account for approximately one-third of GDP, with commodities making up some three-quarters of total exports. Copper alone provides 19% of government revenue. From 2003 through 2012, real growth averaged almost 5% per year, despite the slight contraction in 2009 that resulted from the global financial crisis. Chile deepened its longstanding commitment to trade liberalization with the signing of a free trade agreement with the US, which took effect on 1 January 2004. Chile has 22 trade agreements covering 60 countries including agreements with the European Union, Mercosur, China, India, South Korea, and Mexico. Chile has joined the United States and nine other countries in negotiating the Trans-Pacific-Partnership trade agreement. In 2012, foreign direct investment inflows reached $28.2 billion, an increase of 63% over the previous record set in 2011. The Chilean Government has generally followed a countercyclical fiscal policy, accumulating surpluses in sovereign wealth funds during periods of high copper prices and economic growth, and generally allowing deficit spending only during periods of low copper prices and growth. As of 31 December 2012, those sovereign wealth funds - kept mostly outside the country and separate from Central Bank reserves - amounted to more than $20.9 billion. Chile used these funds to finance fiscal stimulus packages during the 2009 economic downturn. In May 2010 Chile signed the OECD Convention, becoming the first South American country to join the OECD.

Source : CIA


IDENTIFICATION                            

 

LABORATORIOS ANDROMACO S.A.

Av. Quilín 5273 - Peñalolén
Santiago
XIII Region Metropolitana
CHILE

Telephone                                             : 56-2-25948000
Fax                                                       : 56-2-25948504

E_Mail                                                   : info@empresasandromaco.cl, pilar.pablo@andromaco.cl
Web Site                                               : www.andromaco.cl
P.O.Box                                               : 1782 - Santiago-1
Postal Code                                               : 7930013


SUMMARY


Started                      : 1942
Total Employees       : 821
Payments                  : See Commercial Record
Capital                       : 000's$     23.652.297-

Sic(s) : 2833 - 2834

Line of Business: Pharmaceutical industry.-

 

EVALUATION


Financial indicators


According to last financial statement, subject shows a good financial situation,
as indicated in:

** Normal Working Capital
** Excellent Current Liquidity Ratio
** Excellent Acid Test Ratio

Economic situation is normal, as reflected in:

** Normal Current Indebtedness Ratio
** High Total Indebtedness Ratio
** Good Solvency Ratio

** Normal Profitability Over Sales Ratio
** Normal Profitability Over Assets Ratio
** High Profitability Over Net Worth Ratio

IMPORTANT NOTE TO CONSOLIDATED BALANCE SHEETS

When entering consolidated balance sheets into the evaluation system,

they are not taken into account for assessment purposes as they do not
represent  the actual

situation of the subject company, therefore, they are not considered for
credit recommendation purposes.

 

COMMERCIAL INFORMATION


Commercial Bulletin      : As at 31/05/2013 subject does not register protested
                           checks, bank drafts nor promissory notes in the
                           commercial information bulletin

Labor Bulletin           : As at 31/05/2013 does not register work infringements

Previsional Bulletin     : As at 31/05/2013 does not register social security
                           infringements

Consolidated delinquency : As at 31/05/2013, subject registers the following
                           delinquent bills

Detail of Delinquent Debts

Date      : 23/07/2012
Note      : Exempt invoice
Value     : Ch$ 40.994,00
Drawer    : Correos de Chile
City      : -

Date      : 05/10/2012
Note      : Invoice
Value     : Ch$ 64.260,00
Drawer    : Sodexho Chile S.A.
City      : -

Date      : 19/07/2012
Note      : Invoice
Value     : Ch$ 176.988,00
Drawer    : Chilexpress S.A.
City      : -

Date      : 22/05/2013
Note      : Exempt invoice
Value     : Ch$ 10.450,00
Drawer    : Soc. Concesionaria Vespucio Norte
City      : -

TRADE REFERENCES 

Suppliers' trade references are supplied as follows:

Detail of References

Old            : Since 1992
Last purchase  : 04-2013
Terms          : 90 days
Payment        : Prompt
Notes          : invoice
Credit         : (000'sUS$) 140.000
Owes           : (000'sUS$) 1
Due            : Does not Register
Paying Comments: Good
Purchase Aver. : (Monthly 000's$) 15.000

Old            : Since 1995
Last purchase  : 04-2013
Terms          : 60 days
Payment        : Prompt
Notes          : invoice
Credit         : (000'sUS$) 15.000
Owes           : -
Due            : Does not Register
Paying Comments: Good
Purchase Aver. : (Monthly 000's$) 13.000

Detail of Former Trade References
--------------------------------------------------------------------------------
           Last                                           Credit            Owes
Old        Purch. Payment.    Notes                     (000'sUS$)        (000'sUS$)
--------------------------------------------------------------------------------
Since 1992 06-12  Prompt      invoice                    140.000               -
Since 1995 07-12  Prompt      invoice                     15.000          14.000
Since 2002 07-12  Prompt      invoice                          -               -
Since 1999 07-12  Prompt      invoice                          -          35.000
Since 1995 02-12  Prompt      invoice                     15.000          21.000
Since 1999 03-12  Prompt      invoice                          -               -
Since 1992 01-12  Prompt      invoice                    140.000               -
Since 1992 05-11  Prompt      invoice                    140.000            None
Since 1995 05-11  Slow        invoice                     15.000               -
Since 1998 05-11  Prompt      sight draft                 50.000               -
Since 1995 10-10  Slow        invoice                     15.000               -
Since 1998 10-10  Prompt      sight draft                 50.000               -
Since 1977 09-10  Prompt      invoice                       Open            None
Since 1992 10-10  Prompt      invoice                    140.000            None
Since 1995 12-09  Prompt      invoice                       Open            None
Since 1995 05-09  Prompt      invoice                       Open            None
Since 1995 12-08  Prompt      invoice                       Open               -
Since 1995 06-08  Prompt      invoice                       Open               -
Since 1995 10-07  Prompt      invoice                       Open               -
Since 1987 11-07  Prompt      invoice                     50.000               -
Since 1987 05-07  Prompt      invoice                     50.000               -
Since 1995 05-07  Prompt      invoice                       Open               -
12 years   06-06  Prompt      not specified                 Open               -
8 years    05-06  Prompt      current account                  -               -
20 years   06-06  Prompt      sight draft                 50.000          51.700
8 years    06-06  Prompt      invoice                          -               -
8 years    01-06  Prompt      invoice                          -               -
10 years   02-06  Prompt      checks and order f               -               -
8 years    02-06  Prompt      current account                  -               -
20 years   02-06  Prompt      checks                      50.000               -
12 years   02-06  Prompt      not specified                 Open               -
12 years   08-05  Prompt      not specified                 Open               -
20 years   08-05  Prompt      checks                      50.000               -
8 years    08-05  Prompt      current account              1.000               -
8 years    08-05  Prompt      invoice                          -               -
8 years    04-05  Prompt      invoice                          -               -
8 years    04-05  Prompt      current account              1.000               -
20 years   04-05  Prompt      checks                      50.000               -
10 years   04-05  Prompt      not specified                 Open               -
20 years   08-04  Prompt      checks                      50.000               -
8 years    08-04  Prompt      current account              1.000               -
10 years   08-04  Prompt      not specified                 Open               -

During the last 6 months, the account holder credit history shows 64 credit
review inquiries requested by financial institutions,  telecommunications
companies, supermarkets, consultancy and insurance agencies.


Registers 4 delinquent payments included in the report.

 
AVERAGE PAYMENTS IN CHILE

International Risk and Payment Review reported in June 2011

The local delays in payment average 0-1 month.


FINANCIAL INFORMATION

                     C O M P A R A T I V E  -  S U M M A R Y
                  ( Figures in Thousand Pesos, local currency )

                            From  01/01/2012        01/01/2011        01/01/2010
                              To  31/12/2012        31/12/2011        31/12/2010

CURRENT ASSETS                    75.983.776        69.454.292        66.813.005
CURRENT LIABILITIES               36.019.494        61.420.874        39.303.798
WORKING CAPITAL                   39.964.282         8.033.418        27.509.207
FIXED ASSETS                      26.098.755        26.861.922        21.699.761
OTHER ASSETS                      14.121.347        14.059.514        16.119.711
LONG TERM LIABILITIES             32.606.026         6.061.150        19.845.301
NET WORTH                         47.578.358        42.893.704        45.483.378
OPERATING INCOMES                 97.860.163        88.600.690        96.069.810
CURRENT PROFIT(LOSS)               6.743.968         3.369.844         9.583.879

                            B A L A N C E  S H E E T
                        CONSOLIDATED FISCAL YEAR COMPLETE

ASSETS                                              31/12/2012        31/12/2011
Cash                                                 1.222.155         1.084.339
Term Deposits                                          362.000                 0
Sales Debtors                                       51.079.683        44.713.680
Notes & Accts Receivable/Interco.Relations              17.691            40.054
Inventory                                           17.293.154        19.728.298
Taxes Recoverable                                    6.009.093         3.498.702
Other Current Assets                                         0           389.219
CURRENT ASSETS                                      75.983.776        69.454.292

Higher Value/Technical Reappr.Fix.Assets             4.207.581         4.115.069
Net Fixed Asset                                     21.891.174        22.746.853
FIXED ASSETS                                        26.098.755        26.861.922

Investments in Other Partnerships                       56.392                 0
Long Term Debtors                                       53.371         1.181.757
Intangibles                                         12.724.361        12.825.401
Other                                                1.287.223            52.356
OTHER ASSETS                                        14.121.347        14.059.514

TOTAL ASSETS                                       116.203.878       110.375.728

LIABILITIES                                         31/12/2012        31/12/2011
Oblig.With Banks & Financ.Inst.Short Term            8.738.792        36.934.223
Accounts Payable                                    25.854.222        24.025.204
Provisions                                             713.732           101.899
Withholdings                                           712.748           359.548
CURRENT LIABILITIES                                 36.019.494        61.420.874

Oblig.with Banks & Financial Intitutions            31.034.094         4.295.504
Sundry Creditors                                       119.001         1.648.695
Provisions                                           1.452.931           116.951
LONG TERM LIABILITIES                               32.606.026         6.061.150

Paid Capital                                        14.093.265        14.093.265
Surcharge in Sales of Shares                         2.142.931         1.952.040
Other Reserves                                      -6.632.511        -6.684.730
Accumulated Profits                                 31.230.705        30.163.285
Current Profit (Losses)                              6.743.968         3.369.844
NET WORTH                                           47.578.358        42.893.704

TOTAL LIABILITIES                                  116.203.878       110.375.728

STATEMENTS OF RESULTS                               31/12/2012        31/12/2011
Operating  Income                                   97.860.163        88.600.690
Operating Cost                                     -40.774.902       -37.898.152
OPERATING MARGIN                                    57.085.261        50.702.538

Administration & Sales Expenses                    -43.513.645       -42.750.753
OPERATING RESULT                                    13.571.616         7.951.785

Financial Incomes                                        3.994            21.069
Other non Operating Incomes                            520.701            61.548
Loss investment Related Companies                      -31.608                 0
Financial Expenses                                  -3.244.908        -2.831.742
Other non Operating Expenses                          -700.229          -638.850
Exchange difference                                    -78.324           614.602
NON OPERATING RESULT                                -3.530.374        -2.773.373

Result Before Income Tax                            10.041.242         5.178.412
Income Tax                                          -2.729.146        -1.427.448
Monority Interest                                     -568.128          -381.120
NET PROFIT(LOSS)                                     6.743.968         3.369.844

CURRENT PROFIT(LOSS)                                 6.743.968         3.369.844

                           ECONOMIC - FINANCIAL RATIOS

                                        31/12/2012     31/12/2011        Average

Working Capital            (000's$)     39.964.282      8.033.418     23.998.850
Current Liquidity           (Times)           2,11           1,13           1,62
Acid Test                   (Times)           1,63           0,81           1,22
Collection Period Days      ( Days)         187,97         181,84         184,91
Accounts Receivable Turnover(Times)           1,92           1,98           1,95
Inventory Turnover          (Times)           2,36           1,92           2,14
Current Indebtedness        (Times)           0,76           1,43           1,10
Total Indebtedness          (Times)           1,44           1,57           1,51
Solvency                    (Times)           1,69           1,64           1,67
Assets Tying Up             (  %  )          22,46          24,34          23,40
Profitability Over Sales    (  %  )           6,89           3,80           5,35
Profitability Over Assets   (  %  )           5,80           3,05           4,43
Profitability Over Net Worth(  %  )          16,52           8,53          12,53

BANKS 

Subject operates with the following banks:

-  Banco Bice, main office Teatinos 220, Santiago
-  Banco de Chile, main office Ahumada 251, Santiago
-  Banco de Credito e Inversiones
-  Banco Santander Chile, main office Bandera 140, Santiago

OPERATIONS 

Line of Business : Laboratory of pharmaceutical products for human consumption.

Classification according to commercial activity:

Sic: 2833-0000 Medicinals and botanicals
Sic: 2834-0000 Pharmaceutical preparations

Commercializes:

- Lacer (España)
- Hipoglos
- Leo (Dinamarca)
- Chiesi (España)
- Ricordati (Italia)
- Fittig
- Clarimir
- Bioibérica (España)
- Ferrer (España)
- Fournier (Francia)
- Fujisawa Klinge (Alemania)
- Newport (Costa Rica)
- OM (Suiza)
- Phoenix (Argentina)
- Schwabe (Alemania)
- Statem Serum (Dinamarca)
- Vifor (Suiza)
- Cotibin
- Flapex
- Isdin (España)
- Zambon (Italia)

Subject is considered as a large company in this line of business, high
competition

Sales

Sales are steady throughout the year
100% wholesalers

National and international sales territory

Products are sold

National: 95%.

Sales conditions: Cash and term payments to 30 & 60 days.

International: 5%.

Exports to Germany, Argentina, Bolivia, Colombia, Ecuador, El Salvador, United
Arab Emirates, Spain, Guatemala, Haiti, India, Panama, Peru, Dominican Republic,
Switzerland and United States

of Exports obtained from Customs'National Service

Country                            %last year   %Accum.
-------------------------------------------------------
Peru                                    34,66     50,43
Ecuador                                 32,70     13,35
Panama                                  14,93     22,20
Bolivia                                  6,91      5,42
Colombia                                 5,79      5,51
Dominican Republic                       1,80      0,75
Guatemala                                1,09      2,30
El Salvador                              0,49      0,00
Spain                                    0,48      0,00
India                                    0,47      0,00
United States                            0,35      0,00
United Arab Emirates                     0,16      0,00
Argentina                                0,06      0,00
Haiti                                    0,05      0,00
Switzerland                              0,03      0,00
Germany                                  0,02      0,00

Historical registries

Total       2012 = 000's$ 6.722.830                      Accumulated 2013 = 000's$ 1.112.852
Total       2011 = 000's$ 6.494.410
Total       2010 = 000's$ 7.121.498
Total       2009 = 000's$ 4.664.448
Total       2008 = 000's$ 7.136.998
Total       2007 = 000's$ 3.245.436
Total       2006 = 000's$ 2.794.375
Total       2005 = 000's$ 2.292.821
Total       2004 = 000's$ 2.271.522

Customers

Main customers are: Drugstores and  line of business' distributors.

The 4 most important customers are:

Farmacias Ahumada S.A.,  Socofar S.A.,  Farmacias Cruz Verde S.A.,  Central de
Abastecimiento del Sistema Nacional del Servicio de Salud

Purchases

Places orders with multiple suppliers

National: 80%

Purchase conditions: Cash 30 days.

International: 20%

Purchase conditions: Letter of credit and collection.

Imports from Germany, Argentina, Austria, Belgium, Brazil, China, Colombia,
South Korea, Costa Rica, Denmark, United Arab Emirates, Spain, France, Gabon,
Netherlands, Hungary, India, England, Ireland, Italy, Japan, Mexico, Norway,
Peru, Portugal, Czech Republic, Southafrica, Switzerland and United States

of Imports obtained from Customs'National Service

Country                            %last year   %Accum.
-------------------------------------------------------
India                                   19,05     30,97
China                                   15,91     10,29
Colombia                                11,91     10,03
France                                  11,68      4,62
Italy                                    7,10      9,58
Argentina                                5,19      7,11
Germany                                  4,95      2,17
Switzerland                              4,41      1,67
Spain                                    3,49      2,92
Mexico                                   3,35      3,47
United States                            2,61      6,63
Japan                                    2,17      3,49
Southafrica                              2,03      1,42
Denmark                                  1,61      1,10
Brazil                                   1,26      1,10
Ireland                                  0,79      0,62
England                                  0,51      0,19
Peru                                     0,48      0,19
Netherlands                              0,42      1,31
Belgium                                  0,30      0,00
South Korea                              0,26      0,07
Austria                                  0,26      0,59
Costa Rica                               0,11      0,00
Czech Republic                           0,09      0,00
Hungary                                  0,04      0,00
Portugal                                 0,03      0,31
Norway                                   0,02      0,00
United Arab Emirates                     0,00      0,00
Gabon                                    0,00      0,00

Historical registries

Total       2012 = 000's$ 13.731.260                    Accumulated 2013 = 000's$ 3.566.011
Total       2011 = 000's$ 19.785.567
Total       2010 = 000's$ 14.305.143
Total       2009 = 000's$ 14.047.317
Total       2008 = 000's$ 18.927.952
Total       2007 = 000's$ 17.328.401
Total       2006 = 000's$ 10.321.833
Total       2005 = 000's$ 8.388.240
Total       2004 = 000's$ 9.298.339


Main suppliers 

- Agencia de Representaciones Limitada
- APL Logistics Chile S.A.
- Cristalerias de Chile S.A.
- Empresa El Mercurio S.A. Periodistica
- Eynaudi Impresores S.A.
- Faret S.A.
- I.B.M. de Chile S.A.C.
- Merck S.A.
- Molina Flores S.A.
- Proquimsa S.A.
- Representaciones de Materias Primas Industriales Limitada
- Soc. de Alimentacion Casino Express Ltda.

Employees: 821 employees

Location

-  Administrative offices located at Av. Quilín 5273 Peñalolén Santiago, Chile,
   industrial area, main avenue of normal traffic, construction in good
   conditions

Branches 

-  Commercial office at 10 Norte 842 Viña del Mar Chile
-  Commercial offices located at Cochrane 1313, Concepción Chile

RELATED COMPANIES

Subject is related to the following companies:

National

-  Laboratorios Silesia S.A. T A X 91871000-0 Peñalolén Santiago, 99,99%
   Participation
-  Farma Storage Ltda. T A X 96699730-3 Peñalolén Santiago, 99,90% Participation

-  Diagnotec Comercial S.A. T A X 76037546-2 Peñalolén Santiago, 80,00%
   Participation
-  Laboratorio de Diagnostico Viral Diagnotec T A X 78957810-9 Santiago, 80,00%
   Participation
-  Laboratorios Master S.A. T A X 79657680-4 Ñuñoa Santiago, 66,00%
   Participation
-  Ferrer Andromaco S.A. T A X 76541770-8, 40,00% Participation

International

-  ABL Pharma Bolivia Ltda., Bolivia 99%
-  ABL Trading International Limited, Virgin Islands British 99%
-  ABL Pharma Ecuador S.A., Ecuador 99%
-  ABL Pharma Iprofasa S.A., Guatemala 99%
-  ABL Pharma Peru S.A.C., Peru 27,47%
-  ABL Pharma Colón S.A., Panama 99%
-  ABLPharma Panama S.A., Panama 99%
-  Silesia Perú S.A., Peru
-  ABL Pharma Colombia S.A., Colombia 81,18%
-  Laboratorio Internacional de Colombia S.A., Colombia
-  ABL Pharma El Salvador S.A., El Salvador 99%
-  ABL Pharma Costa Rica S.A., Costa Rica 99%
-  ABL Pharma Republica Dominicana S.A., Dominican Republic 98%

FIXED ASSETS

Real estates

Subject registers real estates

-  Other facilities, Av. Vicuña Mackenna 3451 Interior San Joaquín
   Santiago-Chile, Fiscal value of 000's$ 323.786.-, rol Nº 905-4
-  Shops and warehouses, Las Américas 375 Cerrillos Santiago-Chile, Fiscal value
   of 000's$ 561.074.-, rol Nº 518-20
-  Industry, Vicuña Mackenna 3451 San Joaquín Santiago-Chile, Fiscal value of
   000's$ 1.511.175.-, rol Nº 905-3

Total fiscal appraisal $ 2.396.034.993.-


Vehicles 

Owns vehicles for the company's use

3 service vehicles .

Machinery & Instalations 

Subject owns the following

-  Laboratory equipments , labeling machines , cardboard binders , , sealers ,
   office installations , other necessary elements .

INSURANCES

Insurance Company:

-RSA Seguros Chile S.A.

Due              : Unspecified due dates
In force         : Annual
Risks            : All risks.
Objetive         : Assets in general.
Taken out through AON Risk Brokers.

BOARD OF DIRECTORS

President              : Jaime Francisco Bauzá Bauzá TAX:4455704-5
Vice President      : Sergio Weinstein Aranda TAX:6804358-1
Director                 : Pablo Guerrero Valenzuela TAX:7011036-9
Director                 : Pablo Turner González TAX:7056349-5
Director                 : Pablo Javier Echeverría Benítez TAX:7012254-5
Director                 : Juan Cristóbal Philippi Irarrázaval TAX:5894816-0
Director                 : Ricardo Bitrán Dicowsky TAX:7033712-6

ADMINISTRATION

General Manager                       : Andrés Rudolphy Fontaine TAX:8077164-9
Manager Pharma Chile               : Alessandro Marcelo Pesce Reyes TAX:14463445-4
Operations Manager                  : Carlos Cruz León TAX:11438025-3
Adm. & Finances Manager         : Juan Ignacio Sandoval Calderón TAX:7774455-K
Finances Manager                                 : Gastón Alberto Hamel López TAX:12148880-9
Human Resources Manager       : Marcela Pumarino Cruzat TAX:10715940-1
Accounting Manager                  : Julio Burgos Romero TAX:12376684-9
Manager Of Control                               : Gonzalo Correa Aldunate TAX:13550376-2
Marketing Manager                    : Jose Ignacio Iñiguez Diaz TAX:7012308-8
Silesia
Sales Manager                          : Juan Carlos Gomez Vargas TAX:7198692-6
(Institutional)
Manager of Licenses                             : María Teresa Hudson Urrutia TAX:7683318-4
Marketing Manager                    : Carlos Carvajal Casanga TAX:9224201-3
(Regional Pharmaceutical
Manager)
Commercial Manager and          : Fernando Muñoz Forno TAX:9745213-K
Regional Pharma Sur
Controller                                  : Jorge Andrés Joannon Errázuriz TAX:7003348-8

CURRICULUM


Jaime Francisco Bauzá Bauzá

T A X                : 4455704-5
Studies             : Attended the Universidad Católica de Chile.
Titled as            : Civil Engineer.
Position             : President

Sergio Weinstein Aranda

T A X                : 6804358-1
Titled as           : Industrial Civil Engineer
Position            : Vice President

Pablo Guerrero Valenzuela

T A X               : 7011036-9
Titled as           : Attorney.
Position            : Director

Pablo Turner González

T A X               : 7056349-5
Titled as           : Commercial Engineer.
Position            : Director

Pablo Javier Echeverría Benítez

T A X               : 7012254-5
Titled as           : Industrial Civil Engineer
Position            : Director

Ricardo Bitrán Dicowsky

T A X               : 7033712-6
Titled as           : Industrial Civil Engineer
Position            : Director

Andrés Rudolphy Fontaine

T A X               : 8077164-9
Titled as           : Industrial Civil Engineer.
Position            : General Manager

Alessandro Marcelo Pesce Reyes

T A X               : 14463445-4
Titled as           : Commercial Engineer

Carlos Cruz León

T A X               : 11438025-3
Titled as           : Industrial Civil Engineer
Position            : Operations Manager

Juan Ignacio Sandoval Calderón

T A X               : 7774455-K
Titled as           : Commercial Engineer
Position            : Adm. & Finances Manager

María Teresa Hudson Urrutia

T A X               : 7683318-4
Titled as           : Industrial Civil Engineer

Carlos Carvajal Casanga

T A X               : 9224201-3
Titled as           : Medical Technologist

LEGAL INFORMATION

Legal Structure      : Public Stock Company
Constitution date    : 16/12/1964. Registered on leaf 3821 Nº 1821 of the
                       Santiago Trade Register and by  Executive Decree Nº
                       1.293, year 1965. Registered in the Registry of
                       Securities under Nº 704 on August 30th, 2000.

                       Stock companies Code "ANDROMACO"
Notary               : Andrés Rubio Flores, Santiago
Term of duration     : Indefinite
Legal Address        : Santiago - Chile
Published in         : Official Gazette dated 11/06/1964

Current Social Capital: 000's$ 23.652.297.-Divided to 728.600.000.- registered
                        shares unique series

Shareholder : 12

-  98,00% Fondo de Inversion Santander Small Cap
-  35,00% 96937530-3 Inversiones Nm Limitada
-  24,75% Moneda S.A.A.F.I. para Pionero F.I.M.
-   7,72% Fondo de Inversion Larrain Vial-Beagle
-   6,69% Compass Small Cap Chile Fondo de Inversion
-   3,83% Siglo XXI, Fondo de Inversion
-   3,82% Chile Fondo de Inversion Small CAP
-   3,55% Celfin Small Cap Chile Fondo de Inversiones
-   3,15% Celfin Capital S.A. Corredores de Bolsa
-   1,40% Moneda S.A. A.F.I. para Moneda Chile Fund
-   1,07% 80537000-9 Larrain Vial S.A. Corredores de Bolsa
-   0,98% Inversiones Puerto Aventura Ltda.

Power of attorney held by General Manager.

Legal changes

Public Deed dated 02/05/1997, notary Guillermo Le-Fort Campos, Santiago,
published in the Official Gazette dated 22/05/1997 page N° 15, capital was
increased: from $53.306.490 divided into 20.000.000 registered and no par value
shares, to $1.043.618.340 divided into 40.000.000 registered and no par value
shares.

Public Deed dated 10/02/1998, notary Andrés Rubio Flores, Santiago, published in
the Official Gazette dated 18/02/1998 page N° 22, capital was increased: to
$12.650.118.349 divided into 65.000.000 registered and no par value shares of
one series.

Public Deed dated 14/04/1998, notary Andrés Rubio Flores, Santiago, published in
the Official Gazette dated 11/05/1998 page N° 10, statutes were modified: : A)
it was invalidated the agreement of capital increase dated Feb.10th, 1998.
Published in the official gazette dated Feb. 18, 1998.-

B) To carry out capital was increased: according to balance sheet as at
December 31, 1997 from $1.088.637.000.- divided into  40.000.000 registered and
no par value shares of one series, to $ 12.695.137.000.- divided into 65.000.000
registered and no par value shares (to be issued without limitations within a
period of 3 years).

Consequently, subscribed and paid capital is $ 1.088.637.000.- divided into 
40.000.000 no par value shares.

Public Deed dated 20/09/1999, notary Raúl Undurraga Laso, Santiago, published in
the Official Gazette dated 28/09/1999 page N° 9, statutes were modified: a new
rewritten text was recorded.

Public Deed dated 30/12/1999, notary Raúl Undurraga Laso, Santiago, published in
the Official Gazette dated 28/02/2000 page N° 16, statutes were modified: It was
agreed the merger of LABORATORIOS ANDROMACO S.A. with LABORATORIOS LUMIERE
AMERICANOS S.A.C.e I., LABORATORIOS BENGUEREL LTDA and COMERCIAL ANTIGUA LTDA.
The three latest were legally dissolved while subject took over them, acquiring
rights and duties.

Public Deed dated 18/12/2001, notary Raúl Undurraga Laso, Santiago, published in
the Official Gazette dated 03/01/2002 page N° 13, capital was increased: to
$17.048.965.105 divided into 700.000.000 no par value, one-series shares.

Public Deed dated 02/08/2002, notary Raúl Undurraga Laso, Santiago, published in
the Official Gazette dated 19/08/2002 page N° 24, capital was increased: it
remained in $17.254.784.804 divided into 700.000.000 shares of one series.

Public Deed dated 22/09/2004, notary Enrique Mira Gazmuri, Santiago, published
in the Official Gazette dated 04/10/2004 page N° 27, statutes were modified:
subject was divided into 2 companies, creating a new one called INMOBILIAIA SENA
S.A. As a result, capital was reduced: to $17.062.525.906, divided into
700.000.000 ordinary, registered,  one-series, same-value and no par value
shares, out of which 509.200.000 shares (equivalent to $7.311.001.916.-) have
been subscribed and paid.

Public Deed dated 21/01/2005, notary Raúl Undurraga Laso, Santiago, published in
the Official Gazette dated 02/02/2005 page N° 32, capital was increased: from
$7.880.297.333 (currently paid)  divided into 528.600.000 shares, to
$23.652.297.333 divided into 728.600.000 registered, no par value and one-series
shares, out of which  509.200.000  (equivalent to $6.841.001.916.-) have been
subscribed and paid  and 19.400.000 (equivalent to $1.039.295.417.-) remain
payable and not subscribed in order to be offered within a compensation plan for
executives and workers of the partnership and its affiliates. They must be
subscribed  and paid within a maximum term of 5 years as from December 4th,
2001. Another 200.000.000 cash shares equivalent to $15.772.000.000.- will have
to be subscribed and paid within 3 years as from January 20th, 2005.

(Rectified in Official Gazette dated Feb. 26th, 2005 page 24)

 History;

Subject  started operations in Chile in 1942 as Andrómaco S.A. Its first
proprietor  was the Marquis  MD. Raúl Roviralta (Spanish).

INFORMATION SOURCES

Mr. Carlos Cruz León, Operations Manager,  confirmed the data
shown in this report,  outside sources provided Consolidated balance sheets.

-Other outside information sources.

Exchange rate

-As at 07/06/2013 $505,09 Per US$
-As at 31/12/2012 $478,60 Per US$
-As at 31/12/2011 $521,46 Per US$
-As at 31/12/2010 $468,01 Per US$


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.56.74

UK Pound

1

Rs.88.53

Euro

1

Rs.75.20

 

 

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.