MIRA INFORM REPORT

 

 

Report Date :

15.06.2013

 

IDENTIFICATION DETAILS

 

Name :

EGYPT GAS CO

 

 

Registered Office :

Cornish El Nile, Imbaba, ElwaraK, 1438 P.O.Box Giza, 1438

 

 

Country :

Egypt

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

04.09.1983

 

 

Legal Form :

Public Subsidiary

 

 

Line of Business :

Natural Gas Distribution

 

 

No. of Employees :

5,515

 

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)

Egypt

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

EGYPT - ECONOMIC OVERVIEW

 

Occupying the northeast corner of the African continent, Egypt is bisected by the highly fertile Nile valley, where most economic activity takes place. Egypt''s economy was highly centralized during the rule of former President Gamal Abdel NASSER but opened up considerably under former Presidents Anwar EL-SADAT and Mohamed Hosni MUBARAK. Cairo from 2004 to 2008 aggressively pursued economic reforms to attract foreign investment and facilitate GDP growth. Despite the relatively high levels of economic growth in recent years, living conditions for the average Egyptian remained poor and contributed to public discontent. After unrest erupted in January 2011, the Egyptian Government backtracked on economic reforms, drastically increasing social spending to address public dissatisfaction, but political uncertainty at the same time caused economic growth to slow significantly, reducing the government''s revenues. Tourism, manufacturing, and construction were among the hardest hit sectors of the Egyptian economy, and economic growth is likely to remain slow during the next several years. The government drew down foreign exchange reserves by more than 50% in 2011 and 2012 to support the Egyptian pound and the dearth of foreign financial assistance - as a result of unsuccessful negotiations with the International Monetary Fund over a multi-billion dollar loan agreement which have dragged on more than 20 months - could precipitate fiscal and balance of payments crises in 2013.

Source : CIA


Company name and address Top of Form

Bottom of Form

Top of Form

 

EGYPT GAS CO

                                                                                                                                               

 

Cornish El Nile, Imbaba, ElwaraK, 1438

P.O.Box

 

Giza, 1438

Egypt

 

 

Tel:

20-2-35406079

Fax:

20-2-35408882

 

www.egyptgas.com.eg

 

Employees:

5,515

Company Type:

Public Subsidiary

Corporate Family:

3 Companies

Ultimate Parent:

Egyptian Natural Gas Holding Company

Traded:

Cairo Stock Exchange:

EGAS

Incorporation Date:

04-Sep-1983

Auditor:

Mostafa Shawki & Co.

Financials in:

USD (mil) 

Fiscal Year End:

31-Dec-2012

Reporting Currency:

Egyptian Pound

Annual Sales:

127.9  1

Net Income:

20.7

Total Assets:

270.3  2

Market Value:

124.5

 

(23-May-2013)

                                      

Business Description       

 

Egypt Gas Co is an Egypt-based publication shareholding company engaged in the design, installation, operation and maintenance of natural gas distribution networks and pressure reduction stations for domestics, commercial and industrial applications, as well as engineering projects in the petroleum and natural gas sector. The Company’s activities are structured into six divisions: the Natural Gas Projects division includes a range of services covering all elements of design and engineering to enable natural gas distribution through pipelines and underground networks from the main gas grid to consumption areas; the Pipeline Construction Projects division provides pipelines installation, testing, purging & commissioning services; the Maintenance Projects division includes maintenance projects for Oil and Natural Gas systems; the Air Conditioning Projects segment; the Liquefied Petroleum Gas (LPG) Construction Projects division, and the Compressed Natural Gas Stations division. For the six months ended 30 June 2012, Egypt Gas Co revenues increased 26% to EGP411.9M. Net income increased less than 1% to EGP105.9M. Revenues reflect an increase in demand for the Company's products and services due to favorable market conditions. Net income reflects Provision for Tax decrease from EGP5.7M (expense) to EGP0K, Investment Income increase of 5% to EGP106.2M (income), Other Income increase from EGP867K to EGP2.5M (income).

          

Industry                                                                                                                                      

 

Industry

Natural Gas Utilities

ANZSIC 2006:

2700 - Gas Supply

NACE 2002:

4022 - Distribution and trade of gaseous fuels through mains

NAICS 2002:

22121 - Natural Gas Distribution

UK SIC 2003:

4022 - Distribution and trade of gaseous fuels through mains

UK SIC 2007:

3522 - Distribution of gaseous fuels through mains

US SIC 1987:

4923 - Natural Gas Transmission and Distribution

                      


Key Executives           

   

 

Name

Title

Fouad Rashad Abas Hasan

Chairman of the Board and Managing Director

Hisham Saad Zaglol Taha Al Jawhary

Chief Financial Officer and Member of the Board

Noha Ahmad Hasan Issa

Secretary to the Board of Directors

Tariq Farouq Sadiq

Director of Investor Relations and Assistant General Manager - Accounting

Ibrahim Tawfiq Ahmad

Director of Investor Relations and Company’s Head Assistant for Legal Affairs

   

Significant Developments                                                                                                                

 

Topic

#*

Most Recent Headline

Date

Officer Changes

1

Egypt Gas Co Appoints New Chairman of the Board and Managing Director (CEO)

17-Dec-2012

Dividends

2

Egypt Gas Co Announces Cash Dividends Distribution Dates for FY 2012

7-Apr-2013

      

Financial Summary                                                                                                                       

 

As of 30-Jun-2012

Key Ratios

Company

Industry

Current Ratio (MRQ)

2.56

0.91

Quick Ratio (MRQ)

2.01

0.56

Debt to Equity (MRQ)

0.0000

1.27

Sales 5 Year Growth

12.38

13.86

Net Profit Margin (TTM) %

14.62

14.94

Return on Assets (TTM) %

7.80

5.32

Return on Equity (TTM) %

11.37

11.39

 

 

 

   Stock Snapshot                                  

 

Traded: Cairo Stock Exchange: EGAS

 

As of 23-May-2013

   Financials in: EGP

Recent Price

72.50

 

EPS

10.45

52 Week High

82.06

 

Price/Sales

1.12

52 Week Low

68.03

 

Dividend Rate

6.00

Avg. Volume (mil)

0.0009

 

Price/Earnings

7.44

Market Value (mil)

870.00

 

Price/Book

0.78

 

 

 

Beta

0.40

 

Price % Change

Rel S&P 500%

4 Week

2.11%

-0.15%

13 Week

-5.03%

0.01%

52 Week

-5.59%

-13.03%

Year to Date

-5.77%

-3.67%

 

 

1 - Profit & Loss Item Exchange Rate: USD 1 = EGP 6.068711
2 - Balance Sheet Item Exchange Rate: USD 1 = EGP 6.1833

 

Corporate Overview

 

Location
Cornish El Nile, Imbaba, ElwaraK, 1438
P.O.Box
Giza, 1438
Egypt

 

Tel:

20-2-35406079

Fax:

20-2-35408882

 

www.egyptgas.com.eg

Quote Symbol - Exchange

EGAS - Cairo Stock Exchange

Sales EGP(mil):

776.2

Assets EGP(mil):

1,671.4

Employees:

5,515

Fiscal Year End:

31-Dec-2012

 

Industry:

Natural Gas Utilities

Incorporation Date:

04-Sep-1983

Company Type:

Public Subsidiary

Quoted Status:

Quoted

 

Secretary to the Board of Directors:

Noha Ahmad Hasan Issa

 

Company Web Links

Company Contact/E-mail

 

Home Page

 

Products/Services

 

 

Industry Codes

 

ANZSIC 2006 Codes:

2700

-

Gas Supply

3323

-

Industrial and Agricultural Chemical Product Wholesaling

3109

-

Other Heavy and Civil Engineering Construction

 

NACE 2002 Codes:

4022

-

Distribution and trade of gaseous fuels through mains

5155

-

Wholesale of chemical products

4521

-

General construction of buildings and civil engineering works

 

NAICS 2002 Codes:

22121

-

Natural Gas Distribution

237130

-

Power and Communication Line and Related Structures Construction

424690

-

Other Chemical and Allied Products Merchant Wholesalers

 

US SIC 1987:

4923

-

Natural Gas Transmission and Distribution

1623

-

Water, Sewer, Pipeline, and Communications and Power Line Construction

5169

-

Chemicals and Allied Products, Not Elsewhere Classified

 

UK SIC 2003:

4022

-

Distribution and trade of gaseous fuels through mains

5155

-

Wholesale of chemical products

45213

-

Construction of civil engineering constructions

 

UK SIC 2007:

3522

-

Distribution of gaseous fuels through mains

4675

-

Wholesale of chemical products

4221

-

Construction of utility projects for fluids

 

Business Description

Egypt Gas Co is an Egypt-based publication shareholding company engaged in the design, installation, operation and maintenance of natural gas distribution networks and pressure reduction stations for domestics, commercial and industrial applications, as well as engineering projects in the petroleum and natural gas sector. The Company’s activities are structured into six divisions: the Natural Gas Projects division includes a range of services covering all elements of design and engineering to enable natural gas distribution through pipelines and underground networks from the main gas grid to consumption areas; the Pipeline Construction Projects division provides pipelines installation, testing, purging & commissioning services; the Maintenance Projects division includes maintenance projects for Oil and Natural Gas systems; the Air Conditioning Projects segment; the Liquefied Petroleum Gas (LPG) Construction Projects division, and the Compressed Natural Gas Stations division. For the six months ended 30 June 2012, Egypt Gas Co revenues increased 26% to EGP411.9M. Net income increased less than 1% to EGP105.9M. Revenues reflect an increase in demand for the Company's products and services due to favorable market conditions. Net income reflects Provision for Tax decrease from EGP5.7M (expense) to EGP0K, Investment Income increase of 5% to EGP106.2M (income), Other Income increase from EGP867K to EGP2.5M (income).

 

More Business Descriptions

Provision of natural gas to consumers and development, distribution and management of natural gas networks

 

Egypt Gas (Egypt Gas) is an energy company, based in Egypt. It offers urban distribution of natural gas and implementation of natural gas projects. The company's activities include natural gas projects, pipeline construction projects, compressed CNG stations, Maintenance projects, LPG construction projects and Air conditioning projects. Egypt Gas Company's information center provides all management levels with detailed analytical reports to follow up performance and provide a decision support system. It has introduced an interactive tailored software application for customer service centers that directly handles the public's requests. The company organizes training courses for engineering students during the summer vacations related to natural gas activities. It also provides after sales services to the citizens through its customer service offices. Egypt Gas is headquartered in Giza, Egypt.The company reported revenues of (Egyptian Pound) EGP 776.20 million during the fiscal year ended December 2011, a decrease of 1.37% from 2010. The operating profit of the company was EGP 20.19 million during the fiscal year 2011, a decrease of 55.96% from 2010. The net profit of the company was EGP 125.59 million during the fiscal year 2011, a decrease of 22.50% from 2010.

 

Pipeline Transportation of Natural Gas

 

 

 

 

 

Financial Data

Financials in:

EGP(mil)

 

Revenue:

776.2

Net Income:

125.6

Assets:

1,671.4

Long Term Debt:

0.0

 

Total Liabilities:

550.5

 

Working Capital:

0.8

 

 

 

Date of Financial Data:

31-Dec-2012

 

1 Year Growth

NA

NA

NA

 

Market Data

Quote Symbol:

EGAS

Exchange:

Cairo Stock Exchange

Currency:

EGP

Stock Price:

72.5

Stock Price Date:

05-23-2013

52 Week Price Change %:

-5.6

Market Value (mil):

870,000.0

 

SEDOL:

6095516

ISIN:

EGS39011C019

 

Equity and Dept Distribution:

09/2008, Scrip Issue, 1 new share for every 1 share held.

 

 

Shareholders

 

 

Major Shareholders

Egyptian Natural Gas Holding (80%)

 

 

 

 

Key Corporate Relationships

Auditor:

Mostafa Shawki & Co.

 

Auditor:

Moustafa Shawki & Co, Mostafa Shawki & Co.

 

 

 

 

 

 

 

 

 

 

Corporate Structure News

 

Egypt Gas Co
Total Corporate Family Members: 3

 

 

Company Name

Company Type

Location

Country

Industry

Sales
(USD mil)

Employees

Egyptian Natural Gas Holding Company

Parent

Cairo

Egypt

Oil and Gas Operations

 

400

Egypt Gas Co

Subsidiary

Giza

Egypt

Natural Gas Utilities

127.9

5,515

Egyptian Natural Gas Company GASCO

Subsidiary

Cairo

Egypt

Natural Gas Utilities

27.0

946

 



 

Competitors Report



CompanyName

Location

Employees

Ownership

BP plc

London, United Kingdom

85,700

Public

Egyptian Natural Gas Holding Company

Cairo, Egypt

400

Private

 

 

Executives Report

 

Board of Directors

 

Name

Title

Function

Moustafa Ismail El Wahab

 

Chairman

Chairman

Fouad Rashad Abas Hasan

 

Chairman of the Board and Managing Director

Chairman

Hisham Saad Zaglol Taha Al Jawhary

 

Chief Financial Officer and Member of the Board

Director/Board Member

Nihad Mohammed Ahmad Al Kurdi

 

Non-Executive Member of the Board

Director/Board Member

Nehad Mohamed El Kordy

 

Director

Director/Board Member

Sayed Abd El Razek

 

Director

Director/Board Member

Hassan Ahmed Hassan

 

Director

Director/Board Member

Jamal Abdul Hamid Mohammed Hejazi

 

Non-Executive Member of the Board

Director/Board Member

Atiah Salah

 

Director

Director/Board Member

Atiyeh Mohammed Atiyeh Saleh

 

Executive Member of the Board

Director/Board Member

Sayid Abdul Razaq Sayid

 

Executive Member of the Board

Director/Board Member

Ahmad Shaaban

 

Non-Executive Member of the Board

Director/Board Member

Samiha Ibrahim Youssef

 

Director

Director/Board Member

Wafiq Ahmed Zaghloul

 

Director

Director/Board Member

 

Executives

 

Name

Title

Function

Fouad Rashad Abas Hasan

 

Chairman of the Board and Managing Director

Managing Director

Mohamed Abdel Aziz

 

Administration Manager

Administration Executive

Noha Ahmad Hasan Issa

 

Secretary to the Board of Directors

Company Secretary

Hisham Saad Zaglol Taha Al Jawhary

 

Chief Financial Officer and Member of the Board

Finance Executive

Mohamed Fathi

 

Finance Manager

Finance Executive

Tariq Farouq Sadiq

 

Director of Investor Relations and Assistant General Manager - Accounting

Accounting Executive

Ibrahim Tawfiq Ahmad

 

Director of Investor Relations and Company’s Head Assistant for Legal Affairs

Investor Relations Executive

Ibrahim Tawfik

 

Legal Affairs Manager

Legal Executive

 

 Significant Developments

 

 

 

Egypt Gas Co Announces Cash Dividends Distribution Dates for FY 2012

Apr 07, 2013

Egypt Gas Co announced that the cash dividends of EGP 6.00 per share for the fiscal year 2012 will be distributed on April 22, 2013. Beneficiaries of the dividend are the Company's shareholders whose names are on the shareholders register after the close of trading session on April 17, 2013. The Ex-dividend date is April 18, 2013.

Egypt Gas Co Announces Cash Dividends for FY 2012

Mar 24, 2013

Egypt Gas Co announced that its Board of Directors has approved the distribution of EGP 6.00 per share as cash dividend for the fiscal year 2012.

Egypt Gas Co Appoints New Chairman of the Board and Managing Director (CEO)

Dec 17, 2012

Egypt Gas Co announced that its Board of Directors has appointed Eng. Fouad Rashad Abas Hasan as the Company's new Chairman of the Board and Managing Director, succeeding Eng. Mustafa Mohammed Ismail Abdul Wahab, effective December 31, 2012.

 

Annual Income Statement

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

  Financial Glossary

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Updated Normal
31-Dec-2011

Updated Normal
31-Dec-2010

Updated Normal
31-Dec-2009

Updated Normal
31-Dec-2008

Filed Currency

EGP

EGP

EGP

EGP

EGP

Exchange Rate (Period Average)

6.068711

5.944187

5.635256

5.553364

5.443245

Auditor

 

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Auditor Opinion

 

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Net Sales

-

130.6

139.7

149.5

123.2

Revenue

-

130.6

139.7

149.5

123.2

Total Revenue

-

130.6

139.7

149.5

123.2

 

 

 

 

 

 

    Cost of Revenue

-

120.1

118.4

128.8

104.5

Cost of Revenue, Total

-

120.1

118.4

128.8

104.5

Gross Profit

-

10.4

21.2

20.7

18.7

 

 

 

 

 

 

    Selling/General/Administrative Expense

-

8.1

8.0

7.6

6.6

    Labor & Related Expense

-

0.4

0.4

0.3

0.3

Total Selling/General/Administrative Expenses

-

8.4

8.5

7.9

6.9

    Depreciation

-

0.1

0.2

0.3

0.3

Depreciation/Amortization

-

0.1

0.2

0.3

0.3

    Other, Net

-

-1.4

4.4

3.6

3.3

Other Operating Expenses, Total

-

-1.4

4.4

3.6

3.3

Total Operating Expense

-

127.2

131.5

140.6

115.0

 

 

 

 

 

 

Operating Income

-

3.4

8.1

8.9

8.2

 

 

 

 

 

 

        Interest Income - Non-Operating

-

0.9

1.7

2.0

1.9

        Investment Income - Non-Operating

-

17.7

16.2

16.5

14.0

    Interest/Investment Income - Non-Operating

-

18.6

17.9

18.5

15.9

Interest Income (Expense) - Net Non-Operating Total

-

18.6

17.9

18.5

15.9

Gain (Loss) on Sale of Assets

-

0.0

0.1

0.1

0.1

    Other Non-Operating Income (Expense)

-

0.6

7.6

6.3

6.6

Other, Net

-

0.6

7.6

6.3

6.6

Income Before Tax

-

22.7

33.8

33.9

30.8

 

 

 

 

 

 

Total Income Tax

-

1.6

5.0

5.3

4.3

Income After Tax

-

21.1

28.8

28.6

26.5

 

 

 

 

 

 

Net Income Before Extraord Items

-

21.1

28.8

28.6

26.5

Net Income

-

21.1

28.8

28.6

26.5

 

 

 

 

 

 

Income Available to Common Excl Extraord Items

-

21.1

28.8

28.6

26.5

 

 

 

 

 

 

Income Available to Common Incl Extraord Items

-

21.1

28.8

28.6

26.5

 

 

 

 

 

 

Basic/Primary Weighted Average Shares

-

12.0

12.0

12.0

12.0

Basic EPS Excl Extraord Items

-

1.76

2.40

2.38

2.21

Basic/Primary EPS Incl Extraord Items

-

1.76

2.40

2.38

2.21

Diluted Net Income

-

21.1

28.8

28.6

26.5

Diluted Weighted Average Shares

-

12.0

12.0

12.0

12.0

Diluted EPS Excl Extraord Items

-

1.76

2.40

2.38

2.21

Diluted EPS Incl Extraord Items

-

1.76

2.40

2.38

2.21

Dividends per Share - Common Stock Primary Issue

-

1.09

1.15

1.29

1.19

Gross Dividends - Common Stock

-

-

-

-

14.3

Depreciation, Supplemental

-

1.4

1.3

2.5

2.9

Total Special Items

-

0.0

-0.1

-0.1

-0.1

Normalized Income Before Tax

-

22.7

33.7

33.8

30.7

 

 

 

 

 

 

Effect of Special Items on Income Taxes

-

0.0

0.0

0.0

0.0

Inc Tax Ex Impact of Sp Items

-

1.6

5.0

5.3

4.3

Normalized Income After Tax

-

21.1

28.7

28.5

26.4

 

 

 

 

 

 

Normalized Inc. Avail to Com.

-

21.1

28.7

28.5

26.4

 

 

 

 

 

 

Basic Normalized EPS

-

1.76

2.39

2.37

2.20

Diluted Normalized EPS

-

1.76

2.39

2.37

2.20

Rental Expenses

-

0.1

0.3

-

-

Normalized EBIT

-

3.4

8.1

8.9

8.2

Normalized EBITDA

-

4.8

9.4

11.4

11.1

    Current Tax - Domestic

-

1.4

4.8

5.4

4.4

Current Tax - Total

-

1.4

4.8

5.4

4.4

    Deferred Tax - Domestic

-

0.2

0.2

-0.1

-0.1

Deferred Tax - Total

-

0.2

0.2

-0.1

-0.1

Income Tax - Total

-

1.6

5.0

5.3

4.3

 

 

 

Annual Balance Sheet

Financials in: USD (mil)

 

  Financial Glossary

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

UpdateType/Date

Updated Normal
31-Dec-2012

Updated Normal
31-Dec-2011

Reclassified Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Reclassified Normal
31-Dec-2009

Filed Currency

EGP

EGP

EGP

EGP

EGP

Exchange Rate

6.1833

6.03075

5.805

5.48475

5.51125

Auditor

 

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Auditor Opinion

 

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Cash & Equivalents

-

16.9

36.3

44.6

37.9

Cash and Short Term Investments

-

16.9

36.3

44.6

37.9

        Accounts Receivable - Trade, Gross

-

111.2

103.4

113.8

110.1

        Provision for Doubtful Accounts

-

-1.1

-0.4

-0.4

-0.3

    Trade Accounts Receivable - Net

-

128.5

116.4

120.4

115.5

    Notes Receivable - Short Term

-

2.1

1.0

1.3

1.9

    Other Receivables

-

0.3

0.5

0.5

-

Total Receivables, Net

-

130.9

117.8

122.2

117.3

    Inventories - Work In Progress

-

20.0

12.9

15.0

18.5

    Inventories - Raw Materials

-

39.2

45.6

43.5

49.0

    Inventories - Other

-

-0.1

-

-

-

Total Inventory

-

59.0

58.6

58.5

67.5

    Other Current Assets

-

15.7

12.1

10.7

15.5

Other Current Assets, Total

-

15.7

12.1

10.7

15.5

Total Current Assets

-

222.5

224.7

236.0

238.3

 

 

 

 

 

 

        Buildings

-

7.4

7.2

7.4

7.3

        Land/Improvements

-

3.2

3.3

3.5

3.4

        Machinery/Equipment

-

28.8

28.0

28.6

26.1

        Construction in Progress

-

2.3

2.1

1.9

1.7

    Property/Plant/Equipment - Gross

-

41.7

40.6

41.5

38.5

    Accumulated Depreciation

-

-28.3

-28.5

-29.4

-27.3

Property/Plant/Equipment - Net

-

13.4

12.1

12.1

11.2

    LT Investments - Other

-

39.5

40.0

41.6

38.4

Long Term Investments

-

39.5

40.0

41.6

38.4

    Deferred Charges

-

-

0.0

0.2

0.1

    Other Long Term Assets

-

1.8

1.5

1.2

0.8

Other Long Term Assets, Total

-

1.8

1.5

1.4

0.9

Total Assets

-

277.1

278.3

291.1

288.8

 

 

 

 

 

 

Accounts Payable

-

60.7

44.5

71.6

85.0

Notes Payable/Short Term Debt

-

0.0

0.0

0.0

0.0

    Dividends Payable

-

0.0

18.5

20.3

18.1

    Income Taxes Payable

-

9.4

11.8

6.0

-

    Other Current Liabilities

-

21.0

32.0

39.5

41.3

Other Current liabilities, Total

-

30.3

62.3

65.7

59.4

Total Current Liabilities

-

91.1

106.8

137.3

144.4

 

 

 

 

 

 

Total Long Term Debt

-

0.0

0.0

0.0

0.0

Total Debt

-

0.0

0.0

0.0

0.0

 

 

 

 

 

 

    Deferred Income Tax - LT Liability

-

0.2

0.1

0.0

-

Deferred Income Tax

-

0.2

0.1

0.0

-

Total Liabilities

-

91.3

106.9

137.3

144.4

 

 

 

 

 

 

    Common Stock

-

19.9

20.7

21.9

21.8

Common Stock

-

19.9

20.7

21.9

21.8

Retained Earnings (Accumulated Deficit)

-

166.0

150.8

131.9

122.6

Total Equity

-

185.9

171.5

153.8

144.4

 

 

 

 

 

 

Total Liabilities & Shareholders’ Equity

-

277.1

278.3

291.1

288.8

 

 

 

 

 

 

    Shares Outstanding - Common Stock Primary Issue

-

12.0

12.0

12.0

12.0

Total Common Shares Outstanding

-

12.0

12.0

12.0

12.0

Employees

-

5,515

-

-

-

Deferred Revenue - Current

-

-

-

0.4

0.4

 



 

Annual Cash Flows

Financials in: USD (mil)

 

  Financial Glossary

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Updated Normal
31-Dec-2011

Restated Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Reclassified Normal
31-Dec-2009

Filed Currency

EGP

EGP

EGP

EGP

EGP

Exchange Rate (Period Average)

6.068711

5.944187

5.635256

5.553364

5.443245

Auditor

 

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Auditor Opinion

 

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

Net Income/Starting Line

-

22.7

33.8

33.9

30.8

    Depreciation

-

1.4

1.3

2.5

2.9

Depreciation/Depletion

-

1.4

1.3

2.5

2.9

    Unusual Items

-

0.0

-0.1

-0.1

-0.1

    Other Non-Cash Items

-

-27.8

-29.7

-23.7

-10.5

Non-Cash Items

-

-27.8

-29.8

-23.8

-10.6

    Accounts Receivable

-

-18.4

-2.3

-3.4

2.2

    Inventories

-

4.4

-4.5

9.0

-20.7

    Other Assets

-

-4.8

-7.9

4.0

-8.3

    Accounts Payable

-

14.8

1.4

-7.4

18.1

Changes in Working Capital

-

-4.0

-13.4

2.1

-8.8

Cash from Operating Activities

-

-7.7

-8.2

14.7

14.3

 

 

 

 

 

 

    Purchase of Fixed Assets

-

-3.0

-1.7

-3.1

-3.3

Capital Expenditures

-

-3.0

-1.7

-3.1

-3.3

    Sale of Fixed Assets

-

0.0

0.1

0.1

0.1

    Investment, Net

-

15.7

15.2

15.8

-

    Purchase of Investments

-

-1.1

-0.7

-3.0

-0.6

    Other Investing Cash Flow

-

0.7

1.4

-0.2

-1.1

Other Investing Cash Flow Items, Total

-

15.3

15.9

12.8

-1.7

Cash from Investing Activities

-

12.4

14.2

9.6

-5.0

 

 

 

 

 

 

    Cash Dividends Paid - Common

-

-18.1

-19.7

-18.0

-14.5

Total Cash Dividends Paid

-

-18.1

-19.7

-18.0

-14.5

Cash from Financing Activities

-

-18.1

-19.7

-18.0

-14.5

 

 

 

 

 

 

Foreign Exchange Effects

-

0.5

0.2

-

-

Net Change in Cash

-

-12.8

-13.4

6.4

-5.2

 

 

 

 

 

 

Net Cash - Beginning Balance

-

17.8

32.2

37.6

43.5

Net Cash - Ending Balance

-

4.9

18.7

44.0

38.4

 

 

Annual Income Statement

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

 

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

31-Dec-2007

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2011

Updated Normal
31-Dec-2010

Updated Normal
31-Dec-2009

Updated Normal
31-Dec-2008

Reclassified Normal
31-Dec-2008

Filed Currency

EGP

EGP

EGP

EGP

EGP

Exchange Rate (Period Average)

5.944187

5.635256

5.553364

5.443245

5.644572

Auditor

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Turnover

130.6

139.7

149.5

123.2

88.3

Total Revenue

130.6

139.7

149.5

123.2

88.3

 

 

 

 

 

 

    Cost of Sales

120.1

118.4

128.8

104.5

74.8

    Selling, General and Admin Expenses

8.1

8.0

7.6

6.6

5.5

    Provisions of Expected Claims

4.3

4.4

3.6

3.3

0.0

    Expired Provisions

-5.8

0.0

-

-

-

    Depreciation

0.1

0.2

0.3

0.3

0.2

    Unused Provisions

-

-

-

0.0

-2.6

    Board of Directors Remuneration

0.4

0.4

0.3

0.3

0.3

Total Operating Expense

127.2

131.5

140.6

115.0

78.2

 

 

 

 

 

 

    Interest Income

0.9

1.7

2.0

1.9

2.1

    Investment Income

17.0

15.9

16.1

15.1

12.0

    Other Income

0.6

7.6

6.3

6.6

0.5

    Foreign Currency Adjustment

0.7

0.4

0.4

-1.1

0.1

    Capital Gain

0.0

0.1

0.1

0.1

0.0

Net Income Before Taxes

22.7

33.8

33.9

30.8

24.8

 

 

 

 

 

 

Provision for Income Taxes

1.6

5.0

5.3

4.3

2.4

Net Income After Taxes

21.1

28.8

28.6

26.5

22.4

 

 

 

 

 

 

Net Income Before Extra. Items

21.1

28.8

28.6

26.5

22.4

Net Income

21.1

28.8

28.6

26.5

22.4

 

 

 

 

 

 

Income Available to Com Excl ExtraOrd

21.1

28.8

28.6

26.5

22.4

 

 

 

 

 

 

Income Available to Com Incl ExtraOrd

21.1

28.8

28.6

26.5

22.4

 

 

 

 

 

 

Basic Weighted Average Shares

12.0

12.0

12.0

12.0

12.0

Basic EPS Excluding ExtraOrdinary Items

1.76

2.40

2.38

2.21

1.86

Basic EPS Including ExtraOrdinary Items

1.76

2.40

2.38

2.21

1.86

Diluted Net Income

21.1

28.8

28.6

26.5

22.4

Diluted Weighted Average Shares

12.0

12.0

12.0

12.0

12.0

Diluted EPS Excluding ExtraOrd Items

1.76

2.40

2.38

2.21

1.86

Diluted EPS Including ExtraOrd Items

1.76

2.40

2.38

2.21

1.86

DPS-Common Stock

1.09

1.15

1.29

1.19

-

Gross Dividends - Common Stock

-

-

-

14.3

-

Normalized Income Before Taxes

22.7

33.7

33.8

30.7

24.8

 

 

 

 

 

 

Inc Tax Ex Impact of Sp Items

1.6

5.0

5.3

4.3

2.4

Normalized Income After Taxes

21.1

28.7

28.5

26.4

22.4

 

 

 

 

 

 

Normalized Inc. Avail to Com.

21.1

28.7

28.5

26.4

22.4

 

 

 

 

 

 

Basic Normalized EPS

1.76

2.39

2.37

2.20

1.86

Diluted Normalized EPS

1.76

2.39

2.37

2.20

1.86

Depreciation

1.4

1.3

2.5

2.9

2.0

Rental Expense, Supplemental

0.1

0.3

-

-

-

    Current Tax

1.4

4.8

5.4

4.4

2.4

Current Tax - Total

1.4

4.8

5.4

4.4

2.4

    Deferred Tax

0.2

0.2

-0.1

-0.1

0.0

Deferred Tax - Total

0.2

0.2

-0.1

-0.1

0.0

Income Tax - Total

1.6

5.0

5.3

4.3

2.4

 




 

Annual Balance Sheet

Financials in: USD (mil)

 

 

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

31-Dec-2007

UpdateType/Date

Updated Normal
31-Dec-2011

Reclassified Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Reclassified Normal
31-Dec-2009

Reclassified Normal
31-Dec-2008

Filed Currency

EGP

EGP

EGP

EGP

EGP

Exchange Rate

6.03075

5.805

5.48475

5.51125

5.51625

Auditor

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Raw Materials

37.3

43.7

41.3

46.3

30.5

    Spare Parts & Materials

1.9

2.0

2.2

2.7

2.6

    Materials for Others

0.0

-

-

-

-

    Letter of Credit

1.6

1.2

1.4

4.8

0.1

    Impairment of Inventory

-0.1

-

-

-

-

    Projects Under Construction

20.0

12.9

15.0

18.5

14.8

    Accounts Receivables

111.2

103.4

113.8

110.1

100.2

    Provision for Doubtfull Debts

-1.1

-0.4

-0.4

-0.3

-0.3

    Notes Receivables

2.1

1.0

1.3

1.9

0.5

    Associate Companies

18.3

13.4

7.0

5.7

0.1

    Other Current Assets

14.1

10.9

9.3

10.8

6.2

    Income Tax-Receivables

0.3

0.5

0.5

-

-

    Banks- LT Deposit

12.0

18.1

44.6

37.9

39.1

    Banks- Current

4.9

18.2

-

-

3.9

Total Current Assets

222.5

224.7

236.0

238.3

197.6

 

 

 

 

 

 

    Land

3.2

3.3

3.5

3.4

3.4

    Buildings

7.4

7.2

7.4

7.3

7.1

    Machinery & Equipment

10.1

9.4

9.9

8.9

7.5

    Vehicles

8.8

9.0

9.1

8.5

8.0

    Tools

6.0

5.5

5.3

4.7

4.3

    Furniture

4.0

4.2

4.2

4.0

3.7

    Depreciation

-28.3

-28.5

-29.4

-27.3

-24.9

    Construction in Progress

2.3

2.1

1.9

1.7

0.7

    Employees Loan

1.8

1.5

1.2

0.8

0.8

    Financial Investment

39.5

40.0

41.6

38.4

37.7

    LT Investments

-

-

-

-

18.9

    Deferred Tax

-

0.0

0.2

0.1

0.0

Total Assets

277.1

278.3

291.1

288.8

264.9

 

 

 

 

 

 

    Provisions

21.0

32.0

39.5

41.3

45.8

    Dividend Payable

0.0

18.5

20.3

18.1

14.3

    Associate Companies

2.8

2.4

1.8

6.3

1.1

    Income Tax

9.4

11.8

6.0

-

-

    Payables & Other

58.0

42.0

69.7

78.7

67.4

Total Current Liabilities

91.1

106.8

137.3

144.4

128.7

 

 

 

 

 

 

    Deferred Tax

0.2

0.1

0.0

-

-

Total Liabilities

91.3

106.9

137.3

144.4

128.7

 

 

 

 

 

 

    Share Capital

19.9

20.7

21.9

21.8

10.9

    Reserves

129.0

134.0

131.9

122.6

125.3

    Retained Earnings

16.1

16.8

-

-

-

    Profit

20.8

0.0

0.0

0.0

0.0

Total Equity

185.9

171.5

153.8

144.4

136.2

 

 

 

 

 

 

Total Liabilities & Shareholders' Equity

277.1

278.3

291.1

288.8

264.9

 

 

 

 

 

 

    S/O-Common Stock

12.0

12.0

12.0

12.0

12.0

Total Common Shares Outstanding

12.0

12.0

12.0

12.0

12.0

Advance Payments

-

-

0.4

0.4

-

Full-Time Employees

5,515

-

-

-

-

 



 

Annual Cash Flows

Financials in: USD (mil)

 

 

 

 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

31-Dec-2007

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2011

Restated Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Reclassified Normal
31-Dec-2009

Reclassified Normal
31-Dec-2008

Filed Currency

EGP

EGP

EGP

EGP

EGP

Exchange Rate (Period Average)

5.944187

5.635256

5.553364

5.443245

5.644572

Auditor

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Mostafa Shawki & Co.

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

Net Income

22.7

33.8

33.9

30.8

22.4

    Depreciation

1.4

1.3

2.5

2.9

2.0

    Capital Gain

0.0

-0.1

-0.1

-0.1

0.0

    Provisions

4.3

4.4

3.6

6.1

0.0

    Expired Provisions

-5.8

0.0

-

-2.7

-2.6

    Used Provisions

-7.7

-9.9

-5.4

-8.0

0.0

    Investment Income

-17.0

-15.9

-16.1

-

-

    Interest Income

-0.9

-1.7

-

-

-

    Revaluation

-0.7

-6.7

-5.8

-5.9

-

    Deferred Tax

-

-

-

-

0.0

    Employees Loan

-

-

-0.4

0.0

-0.1

    Accounts Held as Guarantee

5.5

-7.5

-

-

-

    Inventory

4.4

-4.5

9.0

-20.7

-7.0

    Letter of Credit

-

-

-

-

0.0

    Construction Under Progress

-7.6

1.3

3.6

-3.7

-8.8

    Trade & Other Receivables

-12.8

4.6

-2.6

7.9

0.3

    Increase in Customers

-

-

-

-

16.7

    Receivables to the Tax Department

0.1

0.1

-

-

-

    Related Parties -Receivables

-5.5

-7.0

-0.8

-5.7

0.5

    Other Receivable

-2.8

-1.8

0.8

-4.6

10.9

    Related Parties -Payables

0.4

0.7

-4.4

5.2

-1.7

    Payables to the Tax Departments

-3.5

-4.1

-

-

-

    Other Payables

17.8

4.9

-3.0

12.9

-1.6

Cash from Operating Activities

-7.7

-8.2

14.7

14.3

30.9

 

 

 

 

 

 

    Employees' Housing Loans

-0.3

-0.4

0.0

-

-

    Sale of Fixed Assets

0.0

0.1

0.1

0.1

0.0

    Capital Expenditure

-3.0

-1.7

-3.1

-3.3

-3.2

    Dec. in Project under Construction

-0.3

-0.3

-0.2

-1.1

-0.5

    Purchase of Investment

-1.1

-0.7

-3.0

-0.6

-0.8

    Interest Income Received

0.9

1.7

-

-

-

    Investment Income

16.0

15.6

15.8

-

-

Cash from Investing Activities

12.4

14.2

9.6

-5.0

-4.4

 

 

 

 

 

 

    Dividend Paid

-18.1

-19.7

-18.0

-14.5

-15.4

Cash from Financing Activities

-18.1

-19.7

-18.0

-14.5

-15.4

 

 

 

 

 

 

Foreign Exchange Effects

0.5

0.2

-

-

-

Net Change in Cash

-12.8

-13.4

6.4

-5.2

11.1

 

 

 

 

 

 

Cash- Beginning Balance

17.8

32.2

37.6

43.5

30.8

Cash- Ending Balance

4.9

18.7

44.0

38.4

42.0

 

 

Financial Health

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

Key Indicators USD (mil)

 

Quarter
Ending
30-Jun-2012

Quarter
Ending
Yr Ago

Annual
Year End

1 Year
Growth

3 Year
Growth

5 Year
Growth

Capital Expenditures2 (?)

0.3

-76.29%

-

-

-

-

Cash from Operating Activities2 (?)

-0.3

-

-

-

-

-

Free Cash Flow (?)

-0.6

-

-

-

-

-

Total Assets3 (?)

264.8

-1.40%

-

-

-

-

Total Liabilities3 (?)

81.9

-4.68%

-

-

-

-

Total Long Term Debt3 (?)

0.0

-

-

-

-

-

Total Common Shares Outstanding3 (?)

12.0

0.00%

-

-

-

-

2-ExchangeRate: EGP to USD Average for Period

6.037855

 

 

 

 

 

3-ExchangeRate: EGP to USD Period End Date

6.061600

 

 

 

 

 

Utility Industry Specific USD (mil)

 

31-Dec-2010

31-Dec-2009

31-Dec-2008

 

 

 

Deferred Charges3 (?)

0.0

0.2

0.1

 

 

 

3-ExchangeRate: EGP to USD Period End Date

5.805000

5.484750

5.511250

 

 

 

Key Ratios

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Profitability

Gross Margin (?)

8.00%

15.22%

13.86%

15.16%

Operating Margin (?)

2.60%

5.83%

5.95%

6.64%

Pretax Margin (?)

17.37%

24.17%

22.65%

24.98%

Net Profit Margin (?)

16.18%

20.59%

19.11%

21.52%

Financial Strength

Current Ratio (?)

2.44

2.10

1.72

1.65

Long Term Debt/Equity (?)

0.00

0.00

0.00

0.00

Total Debt/Equity (?)

0.00

0.00

0.00

0.00

Management Effectiveness

Return on Assets (?)

7.64%

10.09%

9.96%

9.45%

Return on Equity (?)

11.87%

17.63%

19.36%

18.65%

Efficiency

Receivables Turnover (?)

1.05

1.16

1.26

1.12

Inventory Turnover (?)

2.05

2.02

2.06

1.79

Asset Turnover (?)

0.47

0.49

0.52

0.44

Market Valuation USD (mil)

P/E (TTM) (?)

6.90

.

Enterprise Value2 (?)

129.0

Price/Sales (TTM) (?)

1.01

.

Enterprise Value/Revenue (TTM) (?)

0.91

Price/Book (MRQ) (?)

0.78

.

Enterprise Value/EBITDA (TTM) (?)

29.23

Market Cap as of 23-May-20131 (?)

124.5

.

 

 

1-ExchangeRate: EGP to USD on 23-May-2013

6.986946

 

 

 

2-ExchangeRate: EGP to USD on 30-Jun-2012

6.061600

 

 

 

 

 

Annual Ratios

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

 



 

 

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Financial Strength

Current Ratio (?)

2.44

2.10

1.72

1.65

Quick/Acid Test Ratio (?)

1.62

1.44

1.22

1.07

Working Capital1 (?)

131.4

117.9

98.8

93.8

Long Term Debt/Equity (?)

0.00

0.00

0.00

0.00

Total Debt/Equity (?)

0.00

0.00

0.00

0.00

Long Term Debt/Total Capital (?)

0.00

0.00

0.00

0.00

Total Debt/Total Capital (?)

0.00

0.00

0.00

0.00

Payout Ratio (?)

62.11%

48.13%

54.07%

54.07%

Effective Tax Rate (?)

6.85%

14.80%

15.64%

13.85%

Total Capital1 (?)

185.9

171.5

153.8

144.4

 

 

 

 

 

Efficiency

Asset Turnover (?)

0.47

0.49

0.52

0.44

Inventory Turnover (?)

2.05

2.02

2.06

1.79

Days In Inventory (?)

177.82

180.72

176.80

204.36

Receivables Turnover (?)

1.05

1.16

1.26

1.12

Days Receivables Outstanding (?)

346.42

314.07

289.45

326.89

Revenue/Employee2 (?)

23,338

-

-

-

Operating Income/Employee2 (?)

607

-

-

-

EBITDA/Employee2 (?)

861

-

-

-

 

 

 

 

 

Profitability

Gross Margin (?)

8.00%

15.22%

13.86%

15.16%

Operating Margin (?)

2.60%

5.83%

5.95%

6.64%

EBITDA Margin (?)

3.69%

6.73%

7.66%

8.99%

EBIT Margin (?)

2.60%

5.83%

5.95%

6.64%

Pretax Margin (?)

17.37%

24.17%

22.65%

24.98%

Net Profit Margin (?)

16.18%

20.59%

19.11%

21.52%

COGS/Revenue (?)

92.00%

84.78%

86.14%

84.84%

SG&A Expense/Revenue (?)

6.46%

6.07%

5.30%

5.60%

 

 

 

 

 

Management Effectiveness

Return on Assets (?)

7.64%

10.09%

9.96%

9.45%

Return on Equity (?)

11.87%

17.63%

19.36%

18.65%

 

 

 

 

 

Valuation

Free Cash Flow/Share2 (?)

-0.87

-0.80

0.98

0.90

Operating Cash Flow/Share 2 (?)

-0.63

-0.66

1.24

1.18

1-ExchangeRate: EGP to USD Period End Date

6.03075

5.805

5.48475

5.51125

2-ExchangeRate: EGP to USD Average for Period

6.03075

5.805

5.48475

5.51125

 

Current Market Multiples

Market Cap/Earnings (TTM) (?)

6.90

Market Cap/Equity (MRQ) (?)

0.78

Market Cap/Revenue (TTM) (?)

1.01

Market Cap/EBIT (TTM) (?)

49.06

Market Cap/EBITDA (TTM) (?)

32.52

Enterprise Value/Earnings (TTM) (?)

6.21

Enterprise Value/Equity (MRQ) (?)

0.71

Enterprise Value/Revenue (TTM) (?)

0.91

Enterprise Value/EBIT (TTM) (?)

44.10

Enterprise Value/EBITDA (TTM) (?)

29.23

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.57.74

UK Pound

1

Rs.90.64

Euro

1

Rs.77.02

 

 

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.