MIRA INFORM REPORT

 

 

Report Date :

12.06.2013

 

IDENTIFICATION DETAILS

 

Name :

KHANH HOA PHARMACEUTICAL JOINT STOCK COMPANY 

 

 

Formerly Known as:

KHANH HOA PHARMACEUTICAL AND MEDICAL EQUIPMENT COMPANY

 

 

Registered Office :

No. 74 Thong Nhat, Nha Trang City, Khanh Hoa Province

 

 

Country :

Vietnam

 

 

Financials (as on) :

31.12.2010

 

 

Year of Establishments:

1977

 

 

Com. Reg. No.:

4200562765 

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and trading pharmaceutical products, medicine

 

 

No. of Employees :

500

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate  

 

 

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)

Vietnam

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


vietnam ECONOMIC OVERVIEW

 

Vietnam is a densely-populated developing country that has been transitioning from the rigidities of a centrally-planned economy since 1986. Vietnamese authorities have reaffirmed their commitment to economic modernization in recent years. Vietnam joined the World Trade Organization in January 2007, which has promoted more competitive, export-driven industries. Vietnam became an official negotiating partner in the Trans-Pacific Partnership trade agreement in 2010. Agriculture's share of economic output has continued to shrink from about 25% in 2000 to less than 22% in 2012, while industry's share increased from 36% to nearly 41% in the same period. State-owned enterprises account for roughly 40% of GDP. Poverty has declined significantly, and Vietnam is working to create jobs to meet the challenge of a labor force that is growing by more than one million people every year. The global recession hurt Vietnam's export-oriented economy, with GDP in 2012 growing at 5%, the slowest rate of growth since 1999. In 2012, however, exports increased by more than 18%, year-on-year; several administrative actions brought the trade deficit back into balance. Between 2008 and 2011, Vietnam's managed currency, the dong, was devalued in excess of 20%, but its value remained stable in 2012. Foreign direct investment inflows fell 4.5% to $10.5 billion in 2012. Foreign donors have pledged $6.5 billion in new development assistance for 2013. Hanoi has oscillated between promoting growth and emphasizing macroeconomic stability in recent years. In February 2011, the Government shifted policy away from policies aimed at achieving a high rate of economic growth, which had stoked inflation, to those aimed at stabilizing the economy, through tighter monetary and fiscal control. Although Vietnam unveiled a broad, "three pillar" economic reform program in early 2012, proposing the restructuring of public investment, state-owned enterprises, and the banking sector, little perceptible progress had been made by early 2013. Vietnam's economy continues to face challenges from an undercapitalized banking sector. Non-performing loans weigh heavily on banks and businesses. In September 2012, the official bad debt ratio climbed to 8.8%, though some independent analysts believe it could be higher than 15%.

 

Source : CIA

 

 


 

SUBJECT IDENTIFICATION & LEGAL FORM

 

Current legal status

Registered English Name

 

KHANH HOA PHARMACEUTICAL JOINT STOCK COMPANY

Registered Vietnamese Name

 

CONG TY CO PHAN DUOC PHAM KHANH HOA

Registered Short name

 

KHAPHARCO

Type of Business

 

Joint stock company

Year Established

 

1977

Establishment Decision

 

345/QD/UB

Date of Issuance

 

20 Feb 2004

Place of Issuance

 

People’s Committee of Khanh Hoa Province

Business Registration No.

 

4200562765

Date of Registration

 

08 Jul 2004

Latest Date of Adjustment

 

06 Jun 2013

Place of Registration

 

Planning and Investment Department of Khanh Hoa Province

Chartered capital

 

VND 30,400,000,000

Status

 

Unlisted

Tax code

 

4200562765

Total Employees

 

500

 

Historical Identification & Legal form

List

Changed Items

Date of changes

1

Subject has got former Business Registration No: 3703000102

Changed to: 4200562765 (same as the tax code)

22 Nov 2011

2

Subject has got former Registered English Name: KHANH HOA PHARMACEUTICAL AND MEDICAL EQUIPMENT COMPANY Changed to: KHANH HOA PHARMACEUTICAL JOINT STOCK COMPANY

08 Jun 2004

3

Subject has got former Registered Vietnamese Name: CONG TY DUOC PHAM – VAT TU Y TE KHANH HOA

Changed to: CONG TY CO PHAN DUOC PHAM KHANH HOA

08 Jun 2004

4

Subject has got former Type of Business: State-owned Company Changed to: Joint-Stock Company

08 Jun 2004

5

Subject has got former Business Registration No: 112917

Changed to: 3703000102

08 Jun 2004

6

Subject has got former Establishment Decision No. 5023/1999/QD-UB (dated on 30 Dec 1999)

Changed to: No. 345/QD/UB

20 Feb 2004

7

Subject has got former registered capital: VND 11,000,000,000 Changed to: VND 20,000,000,000

N/A

8

Subject has got former Tax code No: 4200394824

Changed to: 4200562765

N/A

9

Subject has got former Address: No.48 – Sinh Trung, Van Thanh Ward, Nha Trang City, Khanh Hoa Province, Vietnam.

Changed to: No. 82 Thong Nhat, Nha Trang City, Khanh Hoa Province Changed to: No. 74 Thong Nhat, Nha Trang City, Khanh Hoa Province

N/A

10

Subject has got former Address of Ha Noi Branch: No.51/26, Nguyen Hong Street, Dong Da District, Ha Noi City, Vietnam

Changed to: No. 3/51 Hoang Cau Str., Dong Da District, Ha Noi City, Vietnam

N/A

11

Subject has got former Chief of Business Department: Mr. VO KHANH

Changed to: Ms. NGUYEN PHUONG TRANG

N/A

12

Subject has got former Chartered Capital: VND 20,000,000,000

Changed to: VND 30,400,000,000

N/A

 

 

 

Company ADDRESSES

 

Head Office

Address

 

No. 74 Thong Nhat, Nha Trang City, Khanh Hoa Province, Vietnam

Telephone

 

(84-58) 3824662/3 822946

Fax

 

(84-58) 3825845

Email

 

duockh68.phongtc@gmail.com

Website

 

www.khkhapharco.com

Note:  - The given one is the former address of the subject. The current one is as above.

           - The exact telephone number of the company is as above mentioned

           - We have sent an email to the given email address and received a failure caution. It registers email address as above.

 

Factory Address

Address

 

2/4 Road Vinh Hoa Ward, Nha Trang City, Khanh Hoa Province, Vietnam

Telephone

 

(84-58) 3832 877

Fax

 

(84-58) 3835 163

 

Branch in Ho Chi Minh

Address

 

No. 90A/B13 Ly Thuong Kiet, 10 District, Ho Chi Minh City, Vietnam

Telephone

 

(84-8) 38661525/ 38637850

Fax

 

(84-8) 38637620

 

Branch in Ha Noi

Address

 

No. 3/51 Hoang Cau Street, Dong Da District, Ha Noi City, Vietnam

Telephone

 

(84-4) 3 773 6632/ 37737087

Fax

 

(84-4) 3 773 6632

Note:  There are about 15 people working at this branch.

 

 

 

DIRECTORS

 

1. NAME

 

Mr. LE NHUAN

Position

 

Chairman cum General Director

Date of Birth

 

06 Apr 1953

ID Number/Passport

 

220925137

ID Issue Date

 

23 Oct 2002

ID Issue Place

 

Khanh Hoa Police Station

Resident

 

No.17 Trinh Phong Str, Phuoc Tien Ward, Nha Trang City, Khanh Hoa Province, Vietnam

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84-58) 3824662

Email

 

lenhuan06@gmail.com

Qualification

 

Pharmacist

 

2. NAME

 

Mr. PHAM NGOC SUU

Position

 

Deputy General Director

Resident

 

6B Road 7C Phuoc Long Ward, Nha Trang City, Khanh Hoa Province, Vietnam

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84-58) 3 810 462

Qualification

 

Pharmacist

Years of experience

 

Over 10 years

 

3. NAME

 

Mr. LE DUY ANH

Position

 

Director of Human Resources

Nationality

 

Vietnamese

Tel/Mobile phone

 

(84-58) 3810096

Qualification

 

Bachelor of Laws

 

4. NAME

 

Mr. TRAN VAN NGHIA

Position

 

Finance Director

Nationality

 

Vietnamese

Qualification

 

Bachelor

 

5. NAME

 

Mr. TRAN THI CANH

Position

 

Production Director

Nationality

 

Vietnamese

Qualification

 

Pharmacist

 

6. NAME

 

Ms. NGUYEN PHUONG TRANG

Position

 

Chief of Business Department

Nationality

 

Vietnamese

 

 

 

BUSINESS NATURE AND ACTIVITIES

 

The subject is mainly involving in:

- Manufacturing and trading pharmaceutical products, medicine
- Manufacturing and trading medical materials and Equipments.
- Export and import pharmaceutical products, medicine, food-medicine.
- Manufacturing and trading food medicine.

 

 

IMPORT & EXPORT ACTIVITIES

 

IMPORT:

·         Types of products

 

Materials and products

·         Market

 

China, USA, Korea, EU, India and Asian Countries…

·         Ratio

 

90% (materials), 30% (India)

·         Mode of payment

 

L/C ( more preferred), T/T

Note: Materials are mostly imported from China. Finished products are largely from India. Ginseng materials for drinks production are from Korea. Multifunctional Food products are from America.

 

EXPORT:

·         Types of products

 

drinks made from Slanginess nest and fruit

·         Market

 

Asian Countries and USA

·         Ratio

 

small amount.

Note: The subject plans to export its products to Canada and other countries. Most of products are distributed in domestic markets via general companies in provinces.

 

 

 

BANKERS

 

1. SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK KHANH HOA BRANCH

Address

 

54A Yersin Van Thanh Ward, Nha Trang City, Khanh Hoa Province, Vietnam

Telephone

 

(84-58) 3817596

Fax

 

(84-58) 3817698

 

2. VIET NAM BANK FOR AGRICULTURE AND RURAL DEVELOPMEN KHANH HOA BRANCH

Address

 

No. 2 Hung Vuong Str, Nha Trang City, Khanh Hoa Province, Vietnam

Telephone

 

(84-58) 3811 927 /3816 932

Fax

 

(84-58) 3821 924

 

3. VIET NAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE

Address

 

No. 4 Hoang Hoa Tham Str., Nha Trang City, Khanh Hoa Province, Vietnam

Telephone

 

(84-58) 3 822 981

 

 

SHAREHOLDERS

 

Note: The latest business license is not available in our source. Below is the list of shareholders when the subject’s chartered capital was VND 11 billion.
 

1. NAME

 

Mr. LE NHUAN

Position

 

Chairman cum General Director

Date of Birth

 

06 Apr 1953

ID Number/Passport

 

220925137

Issued on

 

23 Oct 2002

Issued Place

 

Khanh Hoa Police Station

Resident

 

No.17 Trinh Phong Str, Phuoc Tien Ward, Nha Trang City, Khanh Hoa Province, Vietnam

Email

 

lenhuan06@gmail.com

Work phone

 

(84-58) 3824662

Nationality

 

Vietnamese

Number of Shares

 

510

 

2. NAME

 

Mr. PHAM NGOC SUU

Position

 

Deputy General Director

Resident

 

6B Road 7C Phuoc Long Ward, Nha Trang City, Khanh Hoa Province, Vietnam

Work phone

 

(84-58) 3 810 462

Nationality

 

Vietnamese

Number of Shares

 

500

 

3. NAME

 

Mr. NGUYEN MINH TAP

Nationality

 

Vietnamese

Number of Shares

 

515

 

4. NAME

 

Mr. NGUYEN TRUNG HIEU

Resident

 

No.36 Ly Thanh Ton Street Van Thanh Ward, Nha Trang City, Khanh Hoa Province, Vietnam

Nationality

 

Vietnamese

Number of Shares

 

500

 

5. NAME

 

323 OTHER SHAREHOLDERS

Number of shares

 

42,075

Note

 

Most of them are staffs and workers of the company.

 

 

 

FINANCIAL DATA

 

BALANCE SHEET

Unit: One VND

Balance sheet date

31/12/2010

31/12/2009

31/12/2008

Number of weeks

52

52

52

ASSETS

A – CURRENT ASSETS

104,551,942,596

93,534,545,822

95,441,024,772

I. Cash and cash equivalents

7,950,003,402

9,719,933,572

7,057,580,873

1. Cash

7,950,003,402

9,719,933,572

7,057,580,873

2. Cash equivalents

0

0

0

II. Short-term investments

0

0

0

1. Short-term investments

0

0

0

2. Provisions for devaluation of short-term investments

0

0

0

III. Accounts receivable

31,506,574,247

33,055,000,945

38,637,772,564

1. Receivable from customers

28,834,623,801

28,092,894,220

18,557,285,742

2. Prepayments to suppliers

1,547,046,615

1,188,394,763

1,796,162,066

3. Inter-company receivable

883,725,812

675,379,641

17,035,260,881

4. Receivable according to the progress of construction

0

0

0

5. Other receivable

346,298,556

3,203,452,858

1,354,184,412

6. Provisions for bad debts

-105,120,537

-105,120,537

-105,120,537

IV. Inventories

60,629,772,154

48,000,216,937

47,133,553,526

1. Inventories

60,629,772,154

48,000,216,937

47,133,553,526

2. Provisions for devaluation of inventories

0

0

0

V. Other Current Assets

4,465,592,793

2,759,394,368

2,612,117,809

1. Short-term prepaid expenses

324,933,527

2,269,446,014

2,348,112,999

2. VAT to be deducted

194,089,779

489,948,354

264,004,810

3. Taxes and other accounts receivable from the State

62,399,055

0

0

4. Other current assets

3,884,170,432

0

0

B. LONG-TERM ASSETS

24,645,048,486

25,741,658,737

23,421,307,456

I. Long term accounts receivable

0

0

0

1. Long term account receivable from customers

0

0

0

2. Working capital in affiliates

0

0

0

3. Long-term inter-company receivable

0

0

0

4. Other long-term receivable

0

0

0

5. Provisions for bad debts from customers

0

0

0

II. Fixed assets

15,684,807,592

16,462,354,810

16,111,311,078

1. Tangible assets

15,542,223,759

16,381,296,231

16,041,572,815

- Historical costs

37,190,589,672

35,547,526,740

32,821,925,460

- Accumulated depreciation

-21,648,365,913

-19,166,230,509

-16,780,352,645

2. Financial leasehold assets

0

0

0

- Historical costs

0

0

0

- Accumulated depreciation

0

0

0

3. Intangible assets

15,991,919

25,959,515

14,327,111

- Initial costs

49,838,000

49,838,000

31,838,000

- Accumulated amortization

-33,846,081

-23,878,485

-17,510,889

4. Construction-in-progress

126,591,914

55,099,064

55,411,152

III. Investment property

0

0

0

Historical costs

0

0

0

Accumulated depreciation

0

0

0

IV. Long-term investments

21,173,750

21,173,750

21,173,750

1. Investments in affiliates

0

0

0

2. Investments in business concerns and joint ventures

0

0

0

3. Other long-term investments

21,173,750

21,173,750

21,173,750

4. Provisions for devaluation of long-term investments

0

0

0

V. Other long-term assets

8,939,067,144

9,258,130,177

7,288,822,628

1. Long-term prepaid expenses

8,939,067,144

9,258,130,177

7,288,822,628

2. Deferred income tax assets

0

0

0

3. Other long-term assets

0

0

0

VI. Goodwill

0

0

 

1. Goodwill

0

 

 

TOTAL ASSETS

129,196,991,082

119,276,204,559

118,862,332,228

 

LIABILITIES

A- LIABILITIES

99,898,933,416

91,660,102,737

92,231,956,991

I. Current liabilities

99,945,106,527

91,610,448,782

86,448,689,185

1. Short-term debts and loans

60,534,943,052

53,973,394,416

41,049,900,745

2. Payable to suppliers

37,001,510,772

35,350,220,720

25,460,820,666

3. Advances from customers

3,706,803

11,264,004

134,851,219

4. Taxes and other obligations to the State Budget

593,020,258

142,712,960

284,429,222

5. Payable to employees

0

0

0

6. Accrued expenses

0

0

0

7. Inter-company payable

450,986

450,986

16,381,783,958

8. Payable according to the progress of construction contracts

0

0

0

9. Other payable

1,811,474,656

2,132,405,696

3,136,903,375

10. Provisions for short-term accounts payable

0

0

0

11. Bonus and welfare funds

 

 

 

II. Long-Term Liabilities

-46,173,111

49,653,955

5,783,267,806

1. Long-term accounts payable to suppliers

0

0

0

2. Long-term inter-company payable

0

0

0

3. Other long-term payable

25,500,000

25,500,000

25,500,000

4. Long-term debts and loans

0

0

5,723,060,580

5. Deferred income tax payable

0

0

0

6. Provisions for unemployment allowances

-71,673,111

24,153,955

34,707,226

7. Provisions for long-term accounts payable

0

0

0

8. Unearned Sale

0

0

0

9. Science and technology development fund

0

0

0

B- OWNER’S EQUITY

29,298,057,666

27,616,101,822

26,630,375,237

I. OWNER’S EQUITY

28,650,641,953

27,201,737,582

26,127,619,419

1. Capital

21,925,087,652

20,000,000,000

19,290,000,000

2. Share premiums

0

0

0

3. Other sources of capital

0

0

0

4. Treasury stocks

0

0

0

5. Differences on asset revaluation

2,354,285,462

950,061,941

1,727,668,616

6. Foreign exchange differences

0

0

0

7. Business promotion fund

634,144,794

2,437,144,746

630,934,736

8. Financial reserved fund

489,394,063

595,672,585

436,414,029

9. Other funds

0

0

0

10. Retained earnings

3,247,729,982

3,218,858,310

4,042,602,038

11. Construction investment fund

0

0

0

12. Business arrangement supporting fund

0

0

0

II. Other sources and funds

647,415,713

414,364,240

502,755,818

1. Bonus and welfare funds (Elder form)

647,415,713

414,364,240

502,755,818

2. Sources of expenditure

0

0

0

3. Fund to form fixed assets

0

0

0

MINORITY’S INTEREST

0

0

0

TOTAL LIABILITIES AND OWNER’S EQUITY

129,196,991,082

119,276,204,559

118,862,332,228

 

 

PROFIT & LOSS STATEMENT

 

Description

FY2010

FY2009

FY2008

1. Total Sales

216,435,201,981

178,822,005,324

148,817,810,265

2. Deduction item

8,052,589,694

3,270,806,697

1,711,759,580

3. Net sale

208,382,612,287

175,551,198,627

147,106,050,685

4. Costs of goods sold

167,468,536,325

142,800,673,041

117,578,032,851

5. Gross profit

40,914,075,962

32,750,525,586

29,528,017,834

6. Financial income

78,645,363

27,491,559

21,201,430

7. Financial expenses

5,048,032,701

4,281,334,043

3,419,491,014

- In which: Loan interest expenses

5,030,740,373

3,832,948,153

3,386,909,396

8. Selling expenses

8,438,501,010

6,458,253,400

7,497,306,404

9. Administrative overheads

24,219,153,692

18,893,468,367

15,238,978,071

10. Net operating profit

3,287,033,922

3,144,961,335

3,393,443,775

11. Other income

828,796,533

812,821,830

735,622,286

12. Other expenses

387,053

21,821,654

162,345

13. Other profit /(loss)

828,409,480

791,000,176

735,459,941

14. Total accounting profit before tax

4,115,443,402

3,935,961,511

4,128,903,716

15. Current corporate income tax

509,903,824

366,084,363

578,046,520

16. Deferred corporate income tax

0

0

0

17. Interest from subsidiaries/related companies

0

0

0

18. Profit after tax

3,605,539,578

3,569,877,148

3,550,857,196

 

 


 

FINANCIAL RATIOS AND AVERAGE INDUSTRY RATIOS

 

Description

FY2010

FY2009

FY2008

Average Industry

Current liquidity ratio

1.05

1.02

1.10

1.65

Quick liquidity ratio

0.44

0.50

0.56

1.04

Inventory circle

3.08

2.98

2.74

4.14

Average receive period

55.19

68.73

95.87

105.37

Utilizing asset performance

1.61

1.47

1.24

1.20

Liability by total assets

77.32

76.85

77.60

53.11

Liability by owner's equity

340.97

331.91

346.34

159.74

Ebit / Total assets (ROA)

7.08

6.51

6.32

10.37

Ebit / Owner's equity (ROE)

31.22

28.13

28.22

23.03

Ebit / Total sale (NPM)

4.23

4.34

5.05

10.15

Gross profit / Total sale (GPM)

18.90

18.31

19.84

25.88

Note: The Average Industry was calculated by VietnamCredit based on our own statistical data

 

 

 

PAYMENT HISTORY & PERFORMANCE EXPERIENCES

 

Trade Morality

 

Fair

Liquidity

 

Low/Medium

Payment status

 

Average

Financial Situation

 

Above Average

Development trend

 

Positive

Litigation data

 

No Record

Bankruptcy

 

No Record

Payment Methods

 

T/T, L/C

Sale Methods

 

Distributor

Public opinion

 

Good

 


 

 

 

INTERPRETATION ON THE SCORES

 

The subject company has operated in the pharmaceutical and medical industry since 1977. To 1999, its precursor - KHANH HOA PHARMACEUTICAL AND MEDICAL EQUIPMENTS COMPANY was officially established with the tax code No. 4200394824. And the subject has been known as a joint stock company under the current name from 8 Jul 2004 following business registration No. 3703000102 issued by Khanh Hoa Department of Planning and Investment and the tax code No. 4200562765. At that time, KHAPHARCO (the short name) operated with total chartered capital of VND 20 billion. Now, its business license has been changed to No. 4200562765 for the tax code coincidence and the chartered capital is lifted to VND 30,400,000,000.

 

Formerly, the subject's head office was located at No. 48 Sinh Trung Str., Van Thanh Ward, Nha Trang City, Khanh Hoa Province, Vietnam. Now, the headquarter has been moved to No. 74 Thong Nhat Str., Nha Trang City, Khanh Hoa Province. In addition, the subject has two branches in two big cities (Ha Noi and Ho Chi Minh). The subject's factory is situated at Road 2/4, Vinh Hoa Ward, Nha Trang City, Khanh Hoa Province. This factory is equipped with modern machines and production lines meeting standard of GMP - WHO, GLP & GSP.

 

Now, the company is specializing in manufacturing pharmaceutical products, medicine, functional food medicine as drinks from Korean ginseng and salangane nests. The subject imports about 90% materials from China, ginseng from Korea, multifunctional food products from America and finished products from India. Its products (by the factory and by import) are distributed to domestic market and partially exported to some Asian countries. The subject is operating under medium scale with about over 500 labors.

 

Financially, it is unfortunate the latest financial data of the subject is not available in our source. However, the financial statement from 2008 to 2010 shows that the operation scales was relatively stable. The value of total assets in 2010 slightly increased more than 8% compared two previous years. The subject remained a rather large amount of liabilities in total capital (in 2010, liability by total assets was 77.32% and that by the owner's equity was 340.97%). These ratios both were higher than the average industry indexes, which show a risky in the subject's capital structure. The current liquidity ratio was acceptable, but the quick one was modest because of the large inventory the subject stored.

 

The financial situation of the subject is considered as above average. The total sales of FY2010 recorded the number of more than VND 216 billion; boosted about 21% over 2009 and 45.4% against 2008. And the profit after tax also enhanced slightly. However, the profitability ratios were not high owing to high costs of goods sold and other expenses.

 

In overview, the subject has a long history of operation in the field of pharmaceutical production. It has confirmed its position in the industry. The development prospect is expected to be bright in the future. Now, the subject has capacity to meet normal financial commitments. Caution is needed for large transactions with it.

 

 

APPENDIX

 

INDUSTRY DATA

 

Industry code

GDP growth speed by price compared with 1994 (%)

Total enterprises 2010

Total employees 2011

(Thous.pers.)

Annual average capital of enterprises 2010

(billion dongs)

2012

2011

Agriculture, Forestry and Fishing

2.72

4.00

8,887

24,362.9

95,227

Industry and Construction

4.52

5.53

95,217

10,718.9

3,641,376

Trade and Services

6.42

6.69

187,195

15,270.2

6,957,082

 

ECONOMIC INDICATORS

 

 

2012 

2011 

2010 

Population (Million person)

88.78

87.84

86.93

Gross Domestic Products (USD billion)

136

119

102.2

GDP Growth (%)

5.03

5.89

6.78

GDP Per Capita (USD/person/year)

1,540

1,300

1,160

Inflation (% Change in Composite CPI)

9.21

18.58

11.75

State Budget Deficit compared with GDP (%)

4.8

4.9

5.8

 

SERVICE TRADE PERFORMANCE

 

Billion USD 

2012 

2011 

2010 

Exports

114.6

96.3

72.2

Imports

114.3

105.8

84.8

Trade Balance

0.3

-9.5

-12.6

Source: General Statistics Office


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.58.93

UK Pound

1

Rs.91.81

Euro

1

Rs.78.18

 

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.