MIRA INFORM REPORT

 

 

Report Date :

18.03.2013

 

IDENTIFICATION DETAILS

 

Name :

GM KOREA COMPANY

 

 

Registered Office :

199-1, Cheongcheon 2-dong, Bupyeong-gu, Incheon

 

 

Country :

South Korea

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

07.08.2002

 

 

Com. Reg. No.:

122-81-74534

 

 

Legal Form :

Co., Ltd by shares

 

 

Line of Business :

Manufacture of Passenger Motor Vehicles

 

 

No. of Employees :

17,134

 

 

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2012)

Current Rating

(30.06.2012)

South Korea

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

South Korea - ECONOMIC OVERVIEW

 

South Korea over the past four decades has demonstrated incredible growth and global integration to become a high-tech industrialized economy. In the 1960s, GDP per capita was comparable with levels in the poorer countries of Africa and Asia. In 2004, South Korea joined the trillion dollar club of world economies, and currently is among the world's 20 largest economies. Initially, a system of close government and business ties, including directed credit and import restrictions, made this success possible. The government promoted the import of raw materials and technology at the expense of consumer goods, and encouraged savings and investment over consumption. The Asian financial crisis of 1997-98 exposed longstanding weaknesses in South Korea''s development model including high debt/equity ratios and massive short-term foreign borrowing. GDP plunged by 6.9% in 1998, and then recovered by 9% in 1999-2000. Korea adopted numerous economic reforms following the crisis, including greater openness to foreign investment and imports. Growth moderated to about 4% annually between 2003 and 2007. With the global economic downturn in late 2008, South Korean GDP growth slowed to 0.3% in 2009. In the third quarter of 2009, the economy began to recover, in large part due to export growth, low interest rates, and an expansionary fiscal policy, and growth was 3.6% in 2011. In 2011, the US-South Korea Free Trade Agreement was ratified by both governments and is projected to go into effect in early 2012. The South Korean economy''s long term challenges include a rapidly aging population, inflexible labor market, and heavy reliance on exports - which comprise half of GDP.

 

Source : CIA

 

 


Basic

 

Company Name

GM KOREA COMPANY

(Ex. Company Name : GM DAEWOO AUTO & TECHNOLOGY COMPANY, “지엠대우오토앤테크놀로지()”)

(Korean Company Name : “한국지엠()”)

Registered Address

199-1, Cheongcheon 2-dong, Bupyeong-gu, Incheon, Korea

Zip Code

403-857

Tel

+82-32-520-2114

Fax

+82-32-520-4658

E-mail

webmaster@gmdat.com

Website

www.gmdat.com

Trading Address

199-1, Cheongcheon 2-dong, Bupyeong-gu, Incheon, Korea

Tel

+82- 32-520-5147

Fax

+82-32- 520-4653

Other Address-Boryeong Factory

1227-1, Gwanchang-ri, Jugyo-myeon, Boryeong-si, Chungcheongnam-do, Korea

Tel

+82-41-939-5114

Fax

+82-41-931-2177

Other Address-Gunsan Factory

GM Daewoo Auto & Technology Company, 1589, Soryong-dong, Gunsan-si, Jeollabuk-do, Korea

Tel

+82-63-469-5114

Fax

+82-55-469-5177

Other Address-Changwon Factory

GM Daewoo Auto & Technology Company, 23, Seongju-dong, Changwon-si, Gyeongsangnam-do, Korea

Tel

+82-55-282-8456

Fax

+82-55-236-3339

Type

Export/Import

Industry

Manufacture of Passenger Motor Vehicles

  Main Business

Automobile, Automotive Parts

Established (mm/dd/yyyy)

08/07/2002

The Subject owns the premises of registered HQ address, Boryeong Factory, Gunsan Factory and Changwon Factory.

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Transportation components and systems(25170000)

Sell

Automobiles or cars(25101503)

 

 

CEO’s

 

Name

Sergio Hosha

Address

Suite 502, 66, Donggwang-ro 27-gil, Seocho-gu, Seoul, Korea

Date of Birth

05/21/1959

Title

President & CEO

Sex

Male

Nationality

Brazilian

 

 

Profiles

 

Capital (KRW)

166,322,885,200

Employees

17,134

Formation

Co., Ltd by shares

Foreign Direct Investment Corporation

Bank Details

Korea Development Bank

Woori Bank

Korea Exchange Bank

Shinhan Bank

Corporate Registered No.

120111-0294124

Business Registered No.

122-81-74534

Permit & Licenses

11/12/1993 ISO 9001 by TUV

 

12/2003 LACETTI: 1st-Rank in KP Quality Competitive Power

 

Int’l Trade No.: 421191

Shareholder Position

Name

Shares

%

GENERAL MOTORS INVESTMENT PTY LTD.(AUSTRALIA)

200,221,323

48.15

GM ASIA PACIFIC HOLDINGS, LLC.(AUSTRALIA)

39,673,859

9.54

GM AUTOMOTIVE HOLDINGS S.L.(SPAIN)

79,880,467

19.21

SHANGHAI AUTOMOTIVE INDUSTRY CORPORATION

25,000,000

6.01

KOREA DEVELOPMENT BANK(110135-0000937)

71,031,564

17.08

TOTAL

415,807,213

100.00

Company History

04/30/2002 Agreed on the Master Transaction Agreement(MTA) with General Motors    Corporation-USA, Daewoo Motor Company and Korea Development Bank

Master Transaction Agreement

08/07/2002 Incorporated as GM DAEWOO AUTO & TECHNOLOGY COMPANY

09/23/2002 Increased the authorized shares to 500,000,000 shares from 1,200,000 KRW

10/17/2002 Acquired the assets and liabilities on the automobile division from Daewoo Motor Company

03/26/2003 Changed Korean company name to GM DAEWOO AUTO & TECHNOLOGY COMPANY

05/24/2004 Acquired the assets and liabilities on Auto Transmission Division from Daewoo Power Train Co., Ltd. based on Asset Purchase Agreement(APA)

10/27/2005 Acquired the assets and liabilities on the automobile manufacturing Division from Daewoo Incheon Motor Co., Ltd. based on Newco B Asset Transfer and Liability Assumption Agreement(ATA)

03/27/2007 increased capital to 101,245,084,400 KRW from 101,234,871,200 KRW

03/26/2008 Increased capital to 101,247,148,000 KRW from 101,245,084,400 KRW

10/28/2009 Increased capital to 166,322,885,200 KRW from 101,247,148,000 KRW

03/01/2011 Changed company name to the present name

10/22/2012 Decreased capital to 166,307,885,200 KRW from 166,322,885,200 KRW

11/05/2012 increased capital to 166,322,885,200 KRW from 166,307,885,200 KRW

 

 

 

 

Detailed Information

 

Management

 

Job Description

Title

Name

Sex

Nationality

Inauguration Date

President & CEO

Mr.

Sergio Hosha

Male

Brazilian

03/01/2012

Director

Mr.

Timothy Iri

Male

USA

03/26/2010

Director

Mr.

Timothy Syston Cyper

Male

USA

12/02/2011

Director

Mr.

Mathew Chen

Male

USA

02/10/2012

Outside Director

Mr.

Oh Jong-Nam

Male

Korean

03/26/2008

Outside Director

Mr.

Seo Seung-Il

Male

Korean

03/30/2011

Outside Director

M/S.

Susan Idochuti

Female

USA

04/09/2012

Outside Director

Mr.

Lee Yeon-Hee

Male

Korean

03/28/2012

Outside Director

Mr.

Bang Young-Min

Male

Korean

03/28/2012

Auditor

Mr.

Min Kyung-Moon

Male

Korean

04/12/2011

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

2011

15,068,001,223,568

10,216,130,724,135

125,275,932,958

2010

12,597,422,293,147

7,827,531,121,227

585,550,732,137

2009

9,532,541,913,373

8,172,726,941,644

-343,746,932,232

2008

12,310,655,134,698

8,853,286,368,884

-875,693,902,083

2007

12,513,655,390,999

7,949,447,236,134

540,514,081,706

2006

9,604,122,251,066

7,315,424,424,889

601,715,007,785

2005

7,531,273,630,562

6,467,805,295,782

65,463,786,954

2004

6,051,631,125,618

5,957,769,453,806

-172,844,544,834

2003

4,276,923,438,455

4,580,976,549,986

-222,635,374,932

 

Financial Description

 

Authorized Capital(KRW)

200,000,000,000

Paid-Up Capital(KRW)

166,322,885,200

Total Issues Shares

415,807,213(Common: 415,481,799 / Preferable: 325,414)

 


Balance Sheet

 

Unit : Korean Won

As of 12/31/2011

As of 12/31/2010

As of 12/31/2009

Total Assets

10,216,130,724,135

7,827,531,121,227

8,172,726,941,644

Current Assets

5,027,845,490,921

3,806,046,024,035

4,478,747,149,496

-Quick Assets

3,265,424,690,041

2,533,598,571,835

3,652,531,761,393

-Inventories

1,762,420,800,880

1,272,447,452,200

826,215,388,103

Fixed Assets

5,188,285,233,214

4,021,485,097,192

3,693,979,792,148

-Investment

452,138,553,674

403,682,962,706

363,085,104,821

-Tangibles

4,312,972,107,109

4,072,929,641,471

3,923,774,491,327

-Intangibles

20,005,985,160

-1,209,252,891,919

-1,255,661,996,521

-Others

403,168,587,271

754,125,384,934

662,782,192,521

Total Liabilities

6,308,027,246,073

5,061,596,293,994

6,346,182,081,145

Current Liabilities

4,786,053,523,805

3,809,721,274,540

4,987,764,562,541

Fixed Liabilities

1,521,973,722,268

1,251,875,019,454

1,358,417,518,604

Capital Stock

166,322,885,200

166,322,885,200

166,322,885,200

Capital Surplus

2,584,492,117,582

2,579,820,807,662

2,575,439,858,770

Profit Surplus

1,124,736,930,528

39,891,448,149

-545,659,283,988

Capital Adjustment

32,551,544,752

-20,100,313,778

-369,558,599,483

Total Equity

3,908,103,478,062

2,765,934,827,233

1,826,544,860,499

Liab. & Shareholder’s Equity

10,216,130,724,135

7,827,531,121,227

8,172,726,941,644

 

Current Liabilities

4,786,053,523,805

3,809,721,274,540

4,987,764,562,541

Trade Payables

2,416,752,077,199

2,183,849,159,718

1,841,121,426,020

Short-Term Borrowings

318,007,764,013

196,182,849,023

1,381,959,642,924

Current Portion of Finance Lease Debts

8,896,516,788

1,223,992,620

1,832,532,935

Account Payables

746,897,709,054

488,598,374,101

387,203,019,833

Accrued Expenses

967,277,560,225

577,265,571,142

537,451,005,842

Advance Receipts

53,799,056,994

83,609,553,528

45,543,522,355

Unearned Income

40,392,178,982

50,913,652,125

437,454,708

Current Portion of Provision for Sales Guarantee

164,516,542,645

82,439,144,648

94,881,482,457

Derivatives

50,530,496,530

128,112,903,903

684,915,556,885

Others

18,983,621,375

17,526,073,732

12,418,918,582

Fixed Liabilities

1,521,973,722,268

1,251,875,019,454

1,358,417,518,604

Long-Term Borrowings

189,370,350,876

151,843,294,155

204,868,787,126

Finance Lease Debts

8,622,469,258

-

794,046,830

Long-Term Account Payables

198,558,092,719

193,098,957,464

54,173,109,610

Long-Term Guarantee Deposit Withhold

6,906,704,770

5,295,643,270

5,083,215,770

Long-Term Unearned Income

190,592,713,637

11,394,153,678

98,309,295,928

Provision for Recovery

1,472,961,994

1,032,780,489

946,023,647

Provision for Sales Guarantee

212,476,635,010

224,536,287,661

200,665,101,827

Provision for Severance & Retirement

819,465,365,634

781,464,424,937

720,899,855,657

Long-Term Derivatives

 

 

193,499,085,655

 

 

Income Statement

 

Unit : Korean Won

As of 12/31/2011

As of 12/31/2010

As of 12/31/2009

Sales

15,068,001,223,568

12,597,422,293,147

9,532,541,913,373

Cost of Sold Goods

13,699,885,753,043

11,421,727,195,595

8,599,786,306,218

Gross Profit

1,368,115,470,525

1,175,695,097,552

932,755,607,155

Selling & Admin. Expenses

1,254,423,039,644

1,100,025,000,842

777,652,910,280

Operating Income

113,692,430,881

75,670,096,710

155,102,696,875

Non-Operating Income

647,463,050,230

1,194,001,785,461

1,216,317,498,646

Non-Operating Expenses

583,216,107,200

854,494,930,399

1,572,591,612,426

Income Before Taxes

177,939,373,911

415,176,951,772

-201,171,416,905

Income Taxes Expenses

52,663,440,953

-170,373,780,365

142,575,515,327

Net Income

125,275,932,958

585,550,732,137

-343,746,932,232

 

 

Cash Flows

 

Unit : Korean Won

As of 12/31/2011

As of 12/31/2010

As of 12/31/2009

Cash Flows from Operating

682,193,626,689

876,390,427,045

39,843,379,435

-Net Income

125,275,932,958

585,550,732,137

-343,746,932,232

-Exp. without Cash Outflow

910,864,297,028

696,021,824,298

844,300,509,368

-Revenue without Cash Inflows

-208,551,709,543

-369,378,182,985

-422,893,204,802

-Changes in Asset/ & Liability

-145,394,893,754

-35,803,946,405

-37,816,992,899

Cash Flows from Investing

-696,868,064,837

-531,848,390,436

-271,327,115,273

-Cash Inflow from Investing

52,093,964,298

82,895,053,285

68,204,809,487

-Cash Outflows for Investing

-748,962,029,135

-614,743,443,721

-339,531,924,760

Cash Flows from Financing

170,387,214,918

-1,240,236,815,099

999,178,774,203

-Cash Inflows from Financing

820,998,570,890

387,633,116,236

1,355,017,985,066

-Cash Outflows from Financing

-650,611,355,972

-1,627,869,931,335

-355,839,210,863

Increase/Decrease in Cash

155,694,385,617

-895,739,295,463

768,941,365,270

Cash at the Beginning of Year

259,884,558,122

1,155,623,853,585

386,682,488,315

Cash at the End of Year

415,578,943,739

259,884,558,122

1,155,623,853,585

 

Products, Technologies, Services Description

 

Main Products & Services

Automobile, Automotive Parts

 

1. MATIZ II: was developed in compliance with the latest European safety standards and 40% offset collision test criteria.

 

2. KALOS: The subcompact Kalos earned a four-star rating in a collision test conducted by Korea transportation Safety Authority.

 

3. LACETTI: was designed with safety, performance, engine efficiency, low noise and driving comfort in mind

 

4. REZZO: Rezzo's new top-of-the-line Diamond series offers imporved safety features such as an additional passenger seat airbag

 

5. MAGNUS: The 2004 Magnus has improved safety features and now offers benefits that were previously only available on the high-end L6 Magnus 2.5.

Annual Production(EA)

902,000 EA

 

Trade Partners & Competitors

 

Suppliers

FINE ACE TECHNOLOGY CO., LTD.

853-10, OE-DONG, CHANGWON-CITY, GYEONGNAM-DO 641-020 KOREA

TEL: 82-55-239-3500 FAX: 82-55-264-9615

INDUSTRY: MANUFACTURE OF ALL OTHER SPECIAL PURPOSE MACHINERY, N.E.C.

 

DONG KWANG TECH CO., LTD.

681-1, JAKJEON 3-DONG, GYEYANG-GU, INCHEON 407-821 KOREA

TEL: 82-32-551-7611 FAX: 82-32-551-7613

INDUSTRY: MANUFACTURE OF PARTS AND ACCESSORIES FOR MOTOR VEHICLE BODY

 

MANDO CORPORATION

343-1, MANHO-RI, POSEUNG-MYEON, PYEONGTAEK-CITY, GYEOONGGI-DO 451-821 KOREA

TEL: 82-31-680-6114 FAX: 82-31-681-0151

INDUSTRY: MANUFACTURE OF OTHER PARTS AND ACCESSORIES FOR MOTOR VEHICLES

Customers

DAEWOO MOTOR SALES CORPORATION(120111-0005414) is in charge of the domestic sales of the subject company’s products as a Non-exclusive retailer, based on GM Daewoo Auto & Technology Company Retailer Agreement.

 

FABRYKA SAMOCHODOW OSOBOWYCH SPOLKA AKCYJNA(FSO) is manufacturing its products by purchasing the parts from the Subject Company according to Contract Assembly Agreement since 10/21/2006.

Competitors

HYUNDAI MOTOR COMPANY

KIA MOTORS CO., LTD.

RENAULT-SAMSUNG MOTOR COMPANY

 

Related Parties (Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates

GM KOREA CO., LTD.(110111-1713951)

GM AUTOWORLD KOREA CO., LTD.(110111-1590432)

GENERAL MOTORS CORP.

GENERAL MOTORS INVESTMENT PTY LTD.

GM ASIA PACIFIC HOLDINGS, LLC

GM AUTOMOTIVE HOLDINGS S.L.

SUZUKI MOTOR CORPORATION

SHANGHAI AUTOMOTIVE INDUSTRY CORPORATION

CHEVROLET AUSTRIA GMBH

GENERAL MOTORS DAEWOO AUTO AND TECHNOLOGY CIS LLC.

CHEVROLET NEDERLAND B.V.

CHEVROLET DEUTSCHLAND GMBH

CHEVROLET PORTUGAL, LDA.

CHEVROLET EURO PARTS CENTER B.V.

CHEVROLET FINLAND OY

CHEVROLET FRANCE SAS

CHEVROLET SOUTHEAST EUROPE KFT.

CHEVROLET ESPANA, S.A.

CHEVROLET ITALIA S.P.A.

CHEVROLET SVERIGE AB

CHEVROLET SUISSE SA

CHEVROLET UK LIMITED

VIETNAM DAEWOO MOTOR CO., LTD.

 

AMERICA SUZUKI MOTOR CORP.

GENERAL MOTORS CORP.

GENERAL MOTORS OF CANADA LIMITED

NORTH AMERICA INTERNATIONAL PRODUCT CENTER

SHANGHAI GENERAL MOTORS CO., LTD.

HOLDEN'S ENGINE COMPANY

SHANGHAI GM DONG YUE MOTORS

GENERAL MOTORS COLMOTORES S.A.

GENERAL MOTORS VENEZOLANA S.A.

HOLDEN LTD.

ADAM OPEL AG.

GENERAL MOTORS SOUTH AFRICA LTD.

GENERAL MOTORS CHILE S.A.

SGM DY POWER TRAIN COMPANY LTD.

GENERAL MOTORS INDIA PVT. LTD.

GENERAL MOTORS THAILAND LTD.

GENERAL MOTORS DEL ECUADOR S.A.

SAIC GM WULING AUTOMOBILE CO., LTD

GMSPO CANADA

CHEVROLET SALES THAILAND LTD.

GENERAL MOTORS AFRICA AND MIDDLE EAST

GENERAL MOTORS DE MEXICO

GM POWERTRAIN-GERMANY GMBH

VEHICLE SALES, SERVICE AND MARKETING

GM APO HOLDINGS LLC

Subsidiary

CHEVROLET EUROPE GMBH

(100.0% held by the subject company)

 

CHEVROLET AUSTRIA GMBH

(100.0% held by the subject company)

 

GENERAL MOTORS DAEWOO AUTO AND TECHNOLOGY CIS LLC.

(100.0% held by the subject company)

 

CHEVROLET NEDERLAND B.V.

(100.0% held by the subject company)

 

CHEVROLET DEUTSCHLAND GMBH

(100.0% held by the subject company)

 

CHEVROLET PORTUGAL, LDA.

(100.0% held by the subject company)

 

CHEVROLET EURO PARTS CENTER B.V.

(100.0% held by the subject company)

 

CHEVROLET FINLAND OY

(100.0% held by the subject company)

 

CHEVROLET FRANCE SAS

(100.0% held by the subject company)

 

CHEVROLET SOUTHEAST EUROPE KFT.

(100.0% held by the subject company)

 

CHEVROLET ESPANA, S.A.

(100.0% held by the subject company)

 

CHEVROLET POLAND SP.Z O.O.

(100.0% held by the subject company)

 

CHEVROLET ITALIA S.P.A.

(100.0% held by the subject company)

 

CHEVROLET SVERIGE AB

(100.0% held by the subject company)

 

CHEVROLET SUISSE SA

(100.0% held by the subject company)

 

CHEVROLET OTOMOTIV TICARET LTD. STI.

(100.0% held by the subject company)

 

CHEVROLET UK LIMITED

(100.0% held by the subject company)

 

VIETNAM DAEWOO MOTOR CO., LTD.

(100.0% held by the subject company)

Corporate Ownership

GENERAL MOTORS COMPANY(GM)-Newly established as of 07/10/2009

GENERAL MOTORS INVESTMENT PTY LTD.

Major Shareholders

GENERAL MOTORS INVESTMENT PTY LTD.

Cooperative Enterprise

-Insured Company

SAMSUNG FIRE & MARINE INSURANCE CO., LTD.(110111-0005078)

LIG INSURANCE CO., LTD.(110111-0017859)

DONGBU INSURANCE CO., LTD.(110111-0095285)

 

- Working Capital Agreement with

KOREA DEVELOPMENT BANK(110135-0000937)

 

-Loan Agreement with

GM EUROPE TREASURY COMPANY AB

 

- Contract Assembly Agreement with

FABRYKA SAMOCHODOW OSOBOWYCH SPOLKA AKCYJNA(FSO)

 

Sales by Region (Activity & Markets)

 

Sales/ Unit : KRW

2011

2010

2009

Export

12,981,699,264,053

10,840,136,372,554

7,991,691,845,529

Domestic

2,086,301,959,515

1,757,285,920,593

1,540,850,067,844

Total

15,068,001,223,568

12,597,422,293,147

9,532,541,913,373

The Subject exports to USA.

 

Court Action

 

Case No.

Court

Plaintiff(s)/ Creditor(s)/ Applicant(s)

Defendant(s)/ Debtor(s)/ Respondent(s)

Cause

Amount (Million KRW)

Status

 

Supreme Court of Korea

 

The Subject Company

Salaries

1,014

The Subject has been defeated partially at 2nd round partially, and 3rd round is proceeding.

 

Seoul High Court

-

The Subject Company

Salaries

2,911

The Subject has been defeated partially at 1st round, and 2nd round is proceeding.

 

Seoul District Court

-

The Subject Company

Salaries

4,549

1st round is proceeding.

It is known that there are several cases in proceeding, but the subject considers these claims can be settled within the insurance policy.

 

 

News Clipping

 

---

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.16

UK Pound

1

Rs.81.74

Euro

1

Rs.70.50

 

 

INFORMATION DETAILS

 

Report Prepared by :

PDT

 

 

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

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NB

                                       New Business

 

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This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.