MIRA INFORM REPORT

 

 

Report Date :

20.03.2013

 

IDENTIFICATION DETAILS

 

Name :

KELLER & KALMBACH GESELLSCHAFTMBH

 

 

Registered Office :

Siemensstr. 19, D 85716 Unterschleißheim

 

 

Country :

Germany

 

 

Financials (as on) :

31.10.2011

 

 

Date of Incorporation :

05.07.1878

 

 

Com. Reg. No.:

HRB 54200

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Wholesaler of tools and hardware

 

 

No. of Employees :

650

 

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 :

Good

 

 

Payment Behaviour :

Regular 

 

 

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)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

germany - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, contributed to strong growth in 2006 and 2007 and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 6.0% in 2011. GDP contracted 5.1% in 2009 but grew by 3.6% in 2010, and 2.7% in 2011. The recovery was attributable primarily to rebounding manufacturing orders and exports - increasingly outside the Euro Zone. Germany's central bank projects that GDP will grow 0.6% in 2012, a reflection of the worsening euro-zone financial crisis and the financial burden it places on Germany as well as falling demand for German exports. Domestic demand is therefore becoming a more significant driver of Germany's economic expansion. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's budget deficit to 3.3% in 2010, but slower spending and higher tax revenues reduce the deficit to 1.7% in 2011, below the EU's 3% limit. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela Merkel announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its energy and 46% of its base-load electrical production.

 

Source : CIA

 


Company name

 

Keller & Kalmbach GesellschaftmbH

 

 

Company address

 

Siemensstr. 19

D 85716 Unterschleißheim

Telephone:089/8395-0

Telefax:  089/8395-267

Homepage: www.keller-kalmbach.com

E-mail:   info@keller-kalmbach.com

 

 

VAT no

 

DE811180359

 

 

CONCLUSION

 

Business relations are permissible. The company is considered solvent for credits within its scope of business.

 

 

Synthesis

 

LEGAL FORM                Private limited company

Date of foundation:       05.07.1878

Shareholders'

agreement:                    01.09.1977

Registered on:              28.10.1977

Commercial Register:    Local court 80333 München

under:                                       HRB 54200

Share capital:                 EUR         11,880,000.00

 

 

Shareholder

 

Keller & Kalmbach Beteiligungsgesellschaft

KG

Siemensstr. 19

D 85716 Unterschleißheim

Legal form: Limited partnership

Total cap.         EUR          1,166,840.00

contribution:

Share:             EUR         11,880,000.00

Registered on: 14.12.1970

Reg. data: 80333 München, HRA 49577

 

 

Manager

 

Dr.M.A. Florian Seidl

Kaulbachstr. 6

D 80539 München

having sole power of representation

born: 05.09.1948

Profession: Businessman

Marital status: married

 

Manager:

                      Rudolf Karl

                      D 80333 München

                      born: 08.09.1963

 Manager:

                      Thomas Obermeyer

                      D 74626 Bretzfeld

                      born: 24.04.1968

 Manager:

                      Holger Schmidt

                      Im Schulwäldchen 35

                      D 57572 Niederfischbach

                      born: 08.03.1970

                      Marital status: married

 

 

Proxy

 

Gabriele Reitze

D 81245 München

authorized to jointly represent the company

born: 27.08.1954

 

 Proxy:

                      Siegfried Spitzer

                      D 93102 Pfatter

                      authorized to jointly represent the company

 Proxy:

                      Erwin Bayerl

                      D 85276 Pfaffenhofen

                      authorized to jointly represent the company

 Proxy:

                      Michael Zimanis

                      D 80333 München

                      authorized to jointly represent the company

                      born: 16.04.1966

 Proxy:

                      Joachim Pfahler

                      D 85716 Unterschleißheim

                      authorized to jointly represent the company

                      born: 15.07.1963

 Proxy:

                      Andreas Hälbig

                      D 80331 München

                      authorized to jointly represent the company

                      born: 20.03.1967

 Proxy:

                      Holger Reinhardt

                      D 82256 Fürstenfeldbruck

                      authorized to jointly represent the company

                      born: 17.12.1968

 Proxy:

                      André Kranz

                      D 80331 München

                      authorized to jointly represent the company

                      born: 22.11.1970

 Proxy:

                      Falko Paul

                      D 84561 Mehring

                      authorized to jointly represent the company

                      born: 19.07.1963

 

Further functions/participations of Dr.M.A. Florian Seidl

(Manager)

 

 General partner:

                      Keller & Kalmbach Beteiligungsgesellschaft

                      KG

                      Siemensstr. 19

                      D 85716 Unterschleißheim

                      Legal form: Limited partnership

                      Total cap.         EUR          1,166,840.00

                      contribution:

                      Registered

                      on:         14.12.1970

                      Reg. data:  80333 München, HRA 49577

 Limited partner:

                      Koblin & Seidl GmbH & Co.

                      Vermögensverwaltung KG

                      Schwanthalerstr. 14

                      D 80336 München

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Total cap.         EUR          4,090,335.00

                      contribution:

                      Share:             EUR          3,067,751.00

                      Registered

                      on:         04.09.1987

                      Reg. data:  80333 München, HRA 64984

 Shareholder:

                      Literatur Handlung GmbH R & S

                      Fürstenstr. 17

                      D 80333 München

                      Legal form: Private limited company

                      Share capital:     EUR            117,597.14

                      Share:             EUR             16,872.63

                      Registered

                      on:         31.03.1982

                      Reg. data:  80333 München, HRB 68234

 Shareholder:

                      Kehayoff Verlagsbuchhandlung GmbH

                      Steinstr. 11

                      D 81667 München

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Share:             EUR              6,250.00

                      Registered

                      on:         02.10.2002

                      Reg. data:  80333 München, HRB 144593

 Shareholder:

                      Koblin & Seidl GmbH

                      Schwanthalerstr. 14

                      D 80336 München

                      Legal form: Private limited company

                      Share capital:     EUR             30,000.00

                      Share:             EUR              1,800.00

                      Registered

                      on:         15.06.1987

                      Reg. data:  80333 München, HRB 81770

 Manager:

                      Keller & Kalmbach Widex GmbH

                      Benediktusstr. 82

                      D 40549 Düsseldorf

                      Legal form: Private limited company

                      Share capital:     EUR          1,800,000.00

                      Registered

                      on:         21.06.1948

                      Reg. data:  40227 Düsseldorf, HRB 274

 Manager:

                      Keller & Kalmbach Industrie- und

                      Handelsvertretungen GmbH

                      Siemensstr. 19

                      D 85716 Unterschleißheim

                      Legal form: Private limited company dormant

                      Share capital:     EUR             25,564.59

                      Registered

                      on:         20.05.1998

                      Reg. data:  80333 München, HRB 120661

 Manager:

                      Koblin & Seidl GmbH

                      Schwanthalerstr. 14

                      D 80336 München

                      Legal form: Private limited company

                      Share capital:     EUR             30,000.00

                      Registered

                      on:         15.06.1987

                      Reg. data:  80333 München, HRB 81770

 

President of the Board of Directors:

                      Kunstverein München e.V.

                      Galeriestr. 4

                      D 80539 München

                      Legal form: Registered association

                      Registered

                      on:         07.02.1972

                      Reg. data:  80333 München, VR 6514

 President of the Board of Directors:

                      Fachverband des Schrauben-Großhandels e.V.

                      (FDS)

                      Am Weidendamm 1a

                      D 10117 Berlin

                      Legal form: Registered association

                      Registered

                      on:         13.07.2006

                      Reg. data:  14057 Berlin, VR 23755

 

Further functions/participations of Holger Schmidt (Manager)

 

Manager:

                      Keller & Kalmbach Widex GmbH

                      Benediktusstr. 82

                      D 40549 Düsseldorf

                      Legal form: Private limited company

                      Share capital:     EUR          1,800,000.00

                      Registered

                      on:         21.06.1948

                      Reg. data:  40227 Düsseldorf, HRB 274

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

46741   Wholesale of tools and hardware

 

 

 

BRANCHES AND FACTORIES

 

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Im Gewerbepark D 7

                      D 93059 Regensburg

                      TEL.: 0941/40206-0

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Borsigstr. 19

                      D 94315 Straubing

                      TEL.: 09421-61031

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Teinacher Str. 64

                      D 71634 Ludwigsburg

                      TEL.: 07141/64314-0

                      FAX.: 07141/64314-79

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Hertzstr. 1

                      D 97076 Würzburg

                      TEL.: 0931/29976-0

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Nordstr. 15

                      D 09113 Chemnitz

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Benno-Strauß-Str. 1

                      D 90763 Fürth

                      TEL.: 09174/830-0

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Industriestr. 54

                      D 49492 Westerkappeln

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Klepperstr. 18b

                      D 83026 Rosenheim

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      An der Autobahn K 3

                      D 91161 Hilpoltstein

 Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Paul-Gerhardt-Allee 4-10

                      D 81245 München

 


Branch:

                      Keller & Kalmbach GesellschaftmbH

                      Benediktusstr. 82

                      D 40549 Düsseldorf

 

 

PARTICIPATIONS

 

 Limited partner:

                      Simple System GmbH & Co. KG

                      Haberlandstr. 55

                      D 81241 München

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR             30,000.00

                      contribution:

                      Share:             EUR              4,200.00

                      Reg. data:  29.12.2000

                                  Local court 80333 München

                                  HRA 77206

 Shareholder:

                      Keller & Kalmbach Industrie- und

                      Handelsvertretungen GmbH

                      Siemensstr. 19

                      D 85716 Unterschleißheim

                      Legal form: Private limited company

                      Company Status: dormant

                      since:          01.01.1999

                      Share capital:     EUR             25,564.59

                      Share:             EUR             25,564.59

                      Reg. data:  20.05.1998

                                  Local court 80333 München

                                  HRB 120661

 

 

FINANCIAL INFORMATION

 

Payment experience:     within periods customary in this trade

 

Negative information:    We have no negative information at hand.

 

Balance sheet year:       2010/2011

 

 

 


REAL ESTATE

 

 Type of ownership:   Tenant

 Address              Siemensstr. 19

                        D 85716 Unterschleißheim

 

 Real Estate of:      Holger Schmidt

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Im Schulwäldchen 35

                        D 57572 Niederfischbach

 

 Land register documents were not available.

 

 

BANKERS

 

Principal bank

DEUTSCHE BANK, MÜNCHEN

Sort. code: 70070010, BIC: DEUTDEMMXXX

 

Further banks

BANKHAUS REUSCHEL & CO, MÜNCHEN

Sort. code: 70030300, BIC: CHDBDEHHXXX

 

UNICREDIT BANK - HYPOVEREINSBANK, MÜNCHEN

Sort. code: 70020270, BIC: HYVEDEMMXXX

 

POSTBANK (GIRO), MÜNCHEN

Sort. code: 70010080, Account no.: 868-808, BIC: PBNKDEFF700

 

 

FINANCIAL FIGURES

 

 Turnover:            2010/2011          EUR        173,310,462.00

                      2011/2012          EUR        174,000,000.00

 Profit:              2010/2011          EUR          7,303,516.00

 further business figures:

 Equipment:                              EUR          2,241,729.00

 Ac/ts receivable:                       EUR         34,458,359.00

 Liabilities:                            EUR         41,797,268.00

 Employees:                                                    650

 

 


BALANCE SHEETS

 

 Balance sheet ratios 01.11.2010 - 31.10.2011

 Equity ratio [%]:                 38.03

 Liquidity ratio:                   0.76

 Return on total capital [%]:       8.23

 

 Balance sheet ratios 01.11.2009 - 31.10.2010

 Equity ratio [%]:                 39.11

 Liquidity ratio:                   0.80

 Return on total capital [%]:       5.71

 

 Balance sheet ratios 01.11.2008 - 31.10.2009

 Equity ratio [%]:                 39.20

 Liquidity ratio:                   0.72

 Return on total capital [%]:      -1.57

 

 Balance sheet ratios 01.11.2007 - 31.10.2008

 Equity ratio [%]:                 37.80

 Liquidity ratio:                   0.73

 Return on total capital [%]:       4.86

 

Equity ratio

The equity ratio indicates the portion of the equity as compared

to the total capital. The higher the equity ratio, the better the

economic stability (solvency) and thus the financial autonomy of

a company.

 

Liquidity ratio

The liquidity ratio shows the proportion between adjusted

receivables and net liabilities. The higher the ratio, the lower

the company's financial dependancy from external creditors.

 

Return on total capital

The return on total capital shows the efficiency and return on

the total capital employed in the company. The higher the return

on total capital, the more economically does the company work

with the invested capital.

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.11.2010 - 31.10.2011

 

 ASSETS                                  EUR         93,351,886.96

  Fixed assets                           EUR          5,349,646.99

   Intangible assets                     EUR            994,936.00

    Concessions, licences, rights        EUR            994,936.00

   Tangible assets                       EUR          2,462,783.70

    Land / similar rights                EUR            221,055.00

    Other tangible assets / fixtures and

    fittings                             EUR          2,241,728.70

   Financial assets                      EUR          1,891,927.29

    Shares in participations /

    subsidiaries and the like            EUR          1,891,927.29

     Shares in related companies         EUR          1,882,970.83

     Shares in investee companies        EUR              8,956.46

  Current assets                         EUR         87,508,276.97

   Stocks                                EUR         52,152,113.00

    Raw materials, consumables and

    supplies                             EUR             64,000.00

    Finished goods / work in progress    EUR         52,088,113.00

   Accounts receivable                   EUR         34,458,359.02

    Amounts due from shareholders        EUR          3,491,224.68

    Trade debtors                        EUR         16,240,946.46

    Amounts due from related companies   EUR         11,903,793.57

    Amounts due from affiliated companiesEUR             45,488.71

    Other debtors and assets             EUR          2,776,905.60

   Liquid means                          EUR            897,804.95

  Remaining other assets                 EUR            493,963.00

   Accruals (assets)                     EUR            493,963.00

 

 LIABILITIES                             EUR         93,351,886.96

  Shareholders' equity                   EUR         37,663,408.75

   Capital                               EUR         11,880,000.00

    Subscribed capital (share capital)   EUR         11,880,000.00

   Reserves                              EUR          8,002,970.83

    Capital reserves                     EUR              2,970.83

    Retained earnings / revenue reserves EUR          8,000,000.00

   Balance sheet profit/loss (+/-)       EUR         17,780,437.92

    Profit / loss brought forward        EUR         10,476,921.49

    Annual surplus / annual deficit      EUR          7,303,516.43

  Provisions                             EUR         13,891,210.00

   Pension provisions and comparable

   provisions                            EUR          3,935,187.00

   Provisions for taxes                  EUR          3,813,100.00

   Other / unspecified provisions        EUR          6,142,923.00

  Liabilities                            EUR         41,797,268.21

   Financial debts                       EUR         29,921,508.54

    Liabilities due to banks             EUR         29,921,508.54

   Other liabilities                     EUR         11,875,759.67

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          7,144,928.68

    Liabililties due to related companiesEUR             25,564.60

    Liabilities due to affiliated

    companies / persons / organs         EUR          1,660,282.04

    Unspecified other liabilities        EUR          3,044,984.35

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        173,310,462.00

  Other operating income                 EUR          1,522,272.58

  Cost of materials                      EUR        124,653,190.66

   Raw materials and supplies, purchased

   goods                                 EUR        122,491,105.67

   Purchased services                    EUR          2,162,084.99

  Gross result (+/-)                     EUR         50,179,543.92

  Staff expenses                         EUR         21,200,534.45

   Wages and salaries                    EUR         17,461,938.83

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          3,738,595.62

  Total depreciation                     EUR          1,549,453.53

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          1,549,453.53

  Other operating expenses               EUR         20,327,638.71

  Operating result from continuing

  operations                             EUR          7,101,917.23

  Result from participating interests

  (+/-)                                  EUR          4,887,196.48

   Expenses / income from participations EUR          4,887,196.48

    Income from transfer of profits      EUR          4,852,125.28

    Income from related companies        EUR             35,071.20

  Interest result (+/-)                  EUR         -1,303,526.90

   Interest and similar income           EUR            251,024.44

    thereof from related companies       EUR            229,244.00

   Interest and similar expenses         EUR          1,554,551.34

  Financial result (+/-)                 EUR          3,583,669.58

  Result from ordinary operations (+/-)  EUR         10,685,586.81

  Extraordinary expenses                 EUR             87,838.00

  Extraordinary result (+/-)             EUR            -87,838.00

  Income tax / refund of income tax (+/-)EUR         -3,240,583.09

  Other taxes / refund of taxes          EUR            -53,649.29

  Tax (+/-)                              EUR         -3,294,232.38

  Annual surplus / annual deficit        EUR          7,303,516.43

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.11.2009 - 31.10.2010

 

 ASSETS                                  EUR         73,905,590.18

  Fixed assets                           EUR          5,708,468.29

   Intangible assets                     EUR            850,217.00

    Concessions, licences, rights        EUR            850,217.00

   Tangible assets                       EUR          2,966,324.00

    Land / similar rights                EUR            215,627.00

    Other tangible assets / fixtures and

    fittings                             EUR          2,750,697.00

   Financial assets                      EUR          1,891,927.29

    Shares in participations /

    subsidiaries and the like            EUR          1,891,927.29

     Shares in related companies         EUR          1,882,970.83

     Shares in investee companies        EUR              8,956.46

  Current assets                         EUR         67,956,688.89

   Stocks                                EUR         38,118,144.00

    Finished goods / work in progress    EUR         38,118,144.00

   Accounts receivable                   EUR         29,766,662.58

    Amounts due from shareholders        EUR          3,611,603.76

    Trade debtors                        EUR         13,194,966.39

    Amounts due from related companies   EUR          8,689,550.12

    Amounts due from affiliated companiesEUR          1,722,918.74

    Other debtors and assets             EUR          2,547,623.57

   Liquid means                          EUR             71,882.31

  Remaining other assets                 EUR            240,433.00

   Accruals (assets)                     EUR            240,433.00

 

 LIABILITIES                             EUR         73,905,590.18

  Shareholders' equity                   EUR         31,359,892.32

   Capital                               EUR         11,880,000.00

    Subscribed capital (share capital)   EUR         11,880,000.00

   Reserves                              EUR          8,002,970.83

    Capital reserves                     EUR              2,970.83

    Retained earnings / revenue reserves EUR          8,000,000.00

   Balance sheet profit/loss (+/-)       EUR         11,476,921.49

    Profit / loss brought forward        EUR          7,489,716.28

    Annual surplus / annual deficit      EUR          3,987,205.21

  Provisions                             EUR          9,664,504.00

   Pension provisions and comparable

   provisions                            EUR          4,128,346.00

   Provisions for taxes                  EUR            791,000.00

   Other / unspecified provisions        EUR          4,745,158.00

  Liabilities                            EUR         32,881,193.86

   Financial debts                       EUR         22,339,929.93

    Liabilities due to banks             EUR         22,339,929.93

   Other liabilities                     EUR         10,541,263.93

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          8,209,630.99

    Liabililties due to related companiesEUR             26,828.54

    Unspecified other liabilities        EUR          2,304,804.40

  Guarantees and other commitments       EUR         22,000,000.00

   Guarantees / warranties               EUR          2,000,000.00

    Guarantees                           EUR          2,000,000.00

   Other guarantees and other commitmentsEUR         20,000,000.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        137,203,647.78

  Other operating income                 EUR            809,057.47

  Cost of materials                      EUR         96,866,850.23

   Raw materials and supplies, purchased

   goods                                 EUR         94,577,197.77

   Purchased services                    EUR          2,289,652.46

  Gross result (+/-)                     EUR         41,145,855.02

  Staff expenses                         EUR         18,957,167.74

   Wages and salaries                    EUR         15,492,075.93

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          3,465,091.81

  Total depreciation                     EUR          1,583,879.57

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          1,583,879.57

  Other operating expenses               EUR         17,889,546.56

  Operating result from continuing

  operations                             EUR          2,715,261.15

  Result from participating interests

  (+/-)                                  EUR          3,120,310.71

   Expenses / income from participations EUR          3,120,310.71

    Income from transfer of profits      EUR          3,120,310.71

  Interest result (+/-)                  EUR           -712,294.16

   Interest and similar income           EUR            187,466.21

    thereof from related companies       EUR            139,250.00

   Interest and similar expenses         EUR            899,760.37

  Financial result (+/-)                 EUR          2,408,016.55

  Result from ordinary operations (+/-)  EUR          5,123,277.70

  Income tax / refund of income tax (+/-)EUR         -1,086,916.61

  Other taxes / refund of taxes          EUR            -49,155.88

  Tax (+/-)                              EUR         -1,136,072.49

  Annual surplus / annual deficit        EUR          3,987,205.21

 


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.26

UK Pound

1

Rs.81.94

Euro

1

Rs.70.21

 

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

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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.