MIRA INFORM REPORT

 

 

Report Date :

26.03.2013

 

IDENTIFICATION DETAILS

 

Name :

MGB  METRO  GROUP  BUYING  HK  LTD.

 

 

Registered Office :

20/F., Skyline Tower, 39 Wang Kwong Road, Kowloon Bay, Kowloon

 

 

Country :

Hong Kong

 

 

Financials (as on) :

31.12.2012 (Consolidated Statements)

 

 

Date of Incorporation :

14.05.2003.

 

 

Com. Reg. No.:

33696581

 

 

Legal Form :

Private Limited Company.

 

 

Line of Business :

Buying Office

(Detailed explanation on pg. no. 7)

 

 

No. of Employees :

400.  (Including associates)

 

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

(31.03.2011)

Current Rating

(30.06.2012)

Hong Kong

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

HONG KONG - ECONOMIC OVERVIEW

 

Hong Kong has a free market economy, highly dependent on international trade and finance - the value of goods and services trade, including the sizable share of re-exports, is about four times GDP. Hong Kong's open economy left it exposed to the global economic slowdown that began in 2008. Although increasing integration with China, through trade, tourism, and financial links, helped it to make an initial recovery more quickly than many observers anticipated, it again faces a possible slowdown as exports to the Euro zone and US slump. The Hong Kong government is promoting the Special Administrative Region (SAR) as the site for Chinese renminbi (RMB) internationalization. Hong Kong residents are allowed to establish RMB-denominated savings accounts; RMB-denominated corporate and Chinese government bonds have been issued in Hong Kong; and RMB trade settlement is allowed. The territory far exceeded the RMB conversion quota set by Beijing for trade settlements in 2010 due to the growth of earnings from exports to the mainland. RMB deposits grew to roughly 7.8% of total system deposits in Hong Kong by the end of 2011, an increase of over 59% since the beginning of the year. The government is pursuing efforts to introduce additional use of RMB in Hong Kong financial markets and is seeking to expand the RMB quota. The mainland has long been Hong Kong's largest trading partner, accounting for about half of Hong Kong's exports by value. Hong Kong's natural resources are limited, and food and raw materials must be imported. As a result of China's easing of travel restrictions, the number of mainland tourists to the territory has surged from 4.5 million in 2001 to 28 million in 2011, outnumbering visitors from all other countries combined. Hong Kong has also established itself as the premier stock market for Chinese firms seeking to list abroad. In 2011 mainland Chinese companies constituted about 43% of the firms listed on the Hong Kong Stock Exchange and accounted for about 56% of the Exchange's market capitalization. During the past decade, as Hong Kong's manufacturing industry moved to the mainland, its service industry has grown rapidly. Growth slowed to 5% in 2011. Credit expansion and tight housing supply conditions caused Hong Kong property prices to rise rapidly in 2010 and inflation to rise 5.3% in 2011. Lower and middle income segments of the population are increasingly unable to afford adequate housing. Hong Kong continues to link its currency closely to the US dollar, maintaining an arrangement established in 1983.

Source : CIA


Company name and address

 

MGB  METRO  GROUP  BUYING  HK  LTD.

 

Address:           20/F., Skyline Tower,

                        39 Wang Kwong Road,

                        Kowloon Bay, Kowloon,

                        Hong Kong.

 

(Your enquiry given as:

METRO GROUP BUYING HK LIMITED

and old address at:

9/F., South Tower, World Finance Centre, 17 Canton Road, Tsimshatsui, Kowloon, Hong Kong.    )

 

PHONE:            2738 1388

 

FAX:                 2735 2455

 

E-MAIL:            mgbhongkong@metro-mgb.com.hk

supplychain@metro-mgb.com.hk

 

 

MANAGEMENT

 

Managing Director:  Mr. Michael Ciesielski

 

 

SUMMARY

 

Incorporated on:            14th May, 2003.

 

Organization:                 Private Limited Company.

 

Capital:                         Nominal:           HK$50,000,000.00

Issued:             HK$50,000,000.00

 

Business Category:       Buying Office.

 

Group Net Sales:           €65,926 million  (Year ended 31-12-2011) - [revised]

 

Company Employees:  400.  (Including associates)

 

Group Employees:        280,856.  (As at 31-12-2011)

 

Main Dealing Banker:     The Hongkong & Shanghai Banking Corp. Ltd., Hong Kong.

 

Banking Relation:          Good.


ADDRESS

 

Registered Office:-

Room 1401, 14/F., Hutchison House, 10 Harcourt Road, Hong Kong.

 

Head Office:-

20/F., Skyline Tower, 39 Wang Kwong Road, Kowloon Bay, Kowloon, Hong Kong.

 

Holding Company:-

METRO AG

Schlüterstraße 1, 40235 Düesseldorf, Germany.

[Tel: 49-211-6886-0;    Fax: 49-211-6886-2000]

 

Associated/Affiliated Companies:-

METRO Group of Companies

Dalian Metro Warehouse Management Co. Ltd., China.

Dinea Gastronomie GmbH, Germany.

GALERIA Kaufhof GmbH, Germany.

INNOVATION S.A., Belgium.

Kaufhof Warenhaus AG & Co. KG, Germany.

Makro Autoservicio Mayorista S.A., Spain.

MAKRO Cash & Carry Belgium NV, Belgium.

MAKRO Cash & Carry CR s.r.o., Czech Republic.

Makro Cash & Carry Polska S.A., Poland.

Makro Cash & Carry UK Holding Ltd., UK.

Media Markt Saturn Holding Nederland B.V., Netherlands.

Media Markt Saturn S.A. Unipersonal, Spain.

Mediamarket S.p.A., Italy.

Media-Saturn Beteiligungsges mbH, Austria.

Media-Saturn-Holding GmbH, Germany.

MEM METRO Group Energy Production & Management GmbH, Germany.

Metro Cash & Carry Brunnthal GmbH, Germany.

METRO Cash & Carry Deutschland GmbH, Germany.

METRO Cash & Carry France S.A.S., France.

METRO Cash & Carry International GmbH, Germany.

METRO Cash & Carry International Holding GmbH, Austria.

METRO Cash & Carry International Holding GmbH, Germany.

METRO Cash & Carry OOO, Russia.

METRO Cash & Carry Romania SRL, Romania.

METRO Cash & Carry Ukraine Ltd., Ukraine.

METRO Distributie Nederland B.V., Netherlands.

Metro Grosmarket Bakirköy Alisveris Hizmetleri Ticaret Ltd. Sirketi, Turkey.

METRO Group Asset Management GmbH & Co. KG, Germany.

METRO Group Asset Management Services GmbH, Germany.

METRO Gro- und Lebensmitteleinzelhandel Holding GmbH, Germany.

METRO Grohandelsgesellschaft mbH, Germany.

METRO Italia Cash & Carry S.p.A., Italy.

METRO Jinjiang Cash & Carry Co. Ltd., China.

METRO Kaufhaus und Fachmarkt Holding GmbH, Germany.

METRO Kereskedelmi Kft., Hungary.

METRO Property Management (Beijing) Co. Ltd., China.

Metro Property Management (Changsha) Co. Ltd., China.

Metro Property Management (Chengdu Qingyang) Co. Ltd., China.

Metro Property Management (Dongguan) Co. Ltd., China.

METRO Property Management (Harbin) Co. Ltd., China.

METRO Property Management (Nanchang Qingshanhu) Co. Ltd., China.

Metro Property Management (Nantong) Co. Ltd., China.

METRO Property Management (Shenyang) Co. Ltd., China.

Metro Property Management (Suzhou) Co. Ltd., China.

METRO Property Management (Tianjin Hongqiao) Co. Ltd., China.

Metro Property Management (Wuhan) Co. Ltd., China.

METRO Property Management (Xiamen) Co. Ltd., China.

METRO Property Management (Xian) Co. Ltd., China.

Metro Property Management (Zhengzhou) Co. Ltd., China.

METRO Warehouse Management (Chongqing) Co. Ltd., China.

Metro Warehouse Management (Hangzhou) Co. Ltd., China.

Metro Warehouse Management (Wuhan) Co. Ltd., China.

MFM METRO Group Facility Management GmbH, Germany.

MGA METRO Group Advertising GmbH, Germany.

MGB METRO Group Buying GmbH, Germany.

MGB METRO Group Buying International GmbH, Germany.

MGB METRO Group Buying West GmbH, Germany.

MGC METRO Group Clearing GmbH, Germany.

MGE Warenhandelsgesellschaft mbH, Germany.

MGI METRO Group Information Technology GmbH, Germany.

MGL METRO Group Logistics GmbH, Germany.

MGL METRO Group Logistics Warehousing Beteiligungs GmbH, Germany.

MGL METRO Group Logistics Warehousing GmbH, Germany.

MGP METRO Group Account Processing GmbH, Germany.

MGS METRO Group Solutions GmbH, Germany.

MGT METRO Group Travel Services GmbH, Germany.

MIAG Commanditaire Vennootschap, Netherlands.

MIB METRO Group Insurance Broker GmbH, Germany.

MIP METRO Group Intellectual Property GmbH & Co. KG, Germany.

MTT METRO Group Textiles Transport GmbH, Germany.

Qingdao Metro Warehouse Management Co. Ltd., China.

Real Holding GmbH, Germany.

real- SB-Warenhaus GmbH, Germany.

real- Sp. z.o.o.i Spólka spólka komandytowa, Poland.

Zweite real- SB-Warenhaus GmbH, Germany.

etc.

 

 

BUSINESS REGISTRATION NUMBER

 

33696581

 

 

COMPANY FILE NUMBER

 

0847259

 

 

MANAGEMENT

 

Managing Director & CEO:  Mr. Michael Ciesielski

 

 

CAPITAL

 

Nominal Share Capital: HK$50,000,000.00 (Divided into 500,000 shares of HK$100.00 each)

 

Issued Share Capital: HK$50,000,000.00

 

 

SHAREHOLDER

(As per registry dated 14-05-2012)

 

Name

 

No. of shares

METRO AG

Schlüterstraße 1, 40235 Düesseldorf, Germany.

 

500,000

======

 

 

DIRECTORS

(As per registry dated 08-11-2012)

 

Name

(Nationality)

 

Address

Gieseke HENNIING

40219 Düssekdorf, Fürstenwall 66, Germany.

 

Storck THOMAS ROBERT

Am Rheinblick 12, 40668 Meerbusch, Germany.

 

Joerg-Friedrich KRAMER

Tippheideweg 19, 41379 Bruggen-Born, Germany.

 

Thomas BURKHALTER

Flat A, 65/F., La Rossa A, Coastal Skyline, 12 Tung Chung Waterfront Road, Tung Chung, Lantau Island, Hong Kong.

Diego BEVILACQUE

Rheinallee 148, 40545 Dusseldorf, Germany.

 

Michael CIESIELSKI

Flat C, 15/F., Tower B, La Rossa, Coastal Skyline, 12 Tung Chung Waterfront Road, Tung Chung, Lantau Island, Hong Kong.

 

Stefan LOEWE

Flat C, 56/F., Block 3, Coastal Skyline, 12 Tung Chung Waterfront Road, Tung Chung, Lantau Island, New Territories, Hong Kong.

 

Dirk JUNG

Flat A, 26/F, Tower 1, 68 Bel-Air Peak Avenue, Bel‑Air on the Peak, Island South (Phase 4), Pokfulam, Hong Kong.

 

Olaf Giinter KOCH

Berta-Semter Strass 11, 74379 Ingersheim, Germany.

 

 

SECRETARY

(As per registry dated 14-05-2012)

 

Name

Address

Co. No.

B. & McK. Nominees Ltd.

Room 1401, 14/F., Hutchison House, 10 Harcourt Road, Hong Kong.

0054552

 

 

HISTORY

 

The subject was incorporated on 14th May, 2003 as a private limited liability company under the Hong Kong Companies Ordinance.

Formerly the subject was located at 9/F., South Tower, World Finance Centre, 17 Canton Road, Tsimshatsui, Kowloon, Hong Kong, has moved to the present address in recent months.

Apart from these, neither material change nor amendment has been ever traced and noted.

 

 

OPERATIONS

 

Activities:          Buying Office.

 

Lines:   Clothing; headgear; footwear; watches and clocks; pearls, precious and semi-precious stones; jewellery, imitation jewellery; travel goods and handbags; fish and seafood, fresh or preserved; vegetables, fruits and nuts; processed food, biscuits and confectionery; furniture, bedding, mattresses, cushions, carpets and floor coverings; non-electrical household articles, tableware, kitchenware and utensils; electrical household articles; electronic household articles, audio and video equipment, radios; lighting fixtures and fittings; gift and premiums; toys, pens, games; sporting goods; hides, skins and leather products; plastic products; ceramic products; wood products; glass and glassware; rubber products; paper and paperboard, articles of paper, stationery; optical and photographic instruments and apparatus; electrical machinery, apparatus and parts; mechanical machinery, apparatus and parts; office machines and computer equipment and parts; heating and cooling equipment and parts; electronic devices, parts and accessories; telecommunications, audio and video equipment and parts; cosmetics, toiletries, perfumery, etc.

 

Company Employees:   400.  (Including associates)

 

Group Employees:  280,856.  (As at 31-12-2011)

 

Commodities Imported: Imported from China, Japan and other Asian countries.

 

Markets:            Germany and other European countries.

 

Group Net Sales:           €64,210 million  (Year ended 31-12-2007)

€67,955 million  (Year ended 31-12-2008)

€65,529 million  (Year ended 31-12-2009)

€67,258 million  (Year ended 31-12-2010)

€65,926 million  (Year ended 31-12-2011) - [revised]

€66,739 million  (Year ended 31-12-2012)

 

Terms/Sales:  As per contracted.

 

Terms/Buying:  Various terms.

 

 

MEMBERSHIP

 

The Hong Kong General Chamber of Commerce, Hong Kong.
[Membership No. HKM0502]

German Chamber of Commerce, Hong Kong.

 

 

FINANCIAL INFORMATION

 

Nominal Share Capital: HK$50,000,000.00 (Divided into 500,000 shares of HK$100.00 each)

 

Issued Share Capital: HK$50,000,000.00

 

Alternation of Capital:-

14-05-2003

paid up

HK$      200.00

04-06-2003

paid up

HK$      9,800.00

17-11-2003

paid up

HK$49,990,000.00

 

 

––––––––––––––––

Total:

paid up

HK$50,000,000.00

==============

 

Increase of Nominal Capital:-

From

HK$10,000.00

to

HK$50,000,000.00

on

03-11-2003

 

Group Net Profit/(Loss) Attributable to Shareholders:-

€825 million  (Year ended 31-12-2007)

€401 million  (Year ended 31-12-2008)

€383 million  (Year ended 31-12-2009)

€850 million  (Year ended 31-12-2010)

€631 million  (Year ended 31-12-2011)

    3 million  (Year ended 31-12-2012)

 

Group Net Worth:          €6,498 million  (As at 31-12-2007)

€6,061 million  (As at 31-12-2008)

€5,992 million  (As at 31-12-2009)

€6,460 million  (As at 31-12-2010)

€6,437 million  (As at 31-12-2011)

€6,101 million  (As at 31-12-2012)

 

Profit & Loss:   Making a small profit every year.

 

Condition:         Keeping in an active and satisfactory condition.

 

Facilities:          Making active use of general banking facilities.

 

Payment:           Met as contracted.

 

Commercial Morality:  Satisfactory.

 

Banker:             The Hongkong & Shanghai Banking Corp. Ltd., Hong Kong.

 

Standing:           Good.

 

 

GENERAL

 

MGB METRO Group Buying HK Ltd. [MetroHK], incorporated in May 2003, was a wholly-owned subsidiary of MGB METRO Group Buying GmbH which is a Germany-based firm.  On 20th October, 2008, MGB METRO Group Buying GmbH transferred all its shares to MGB METRO Group Buying International GmbH [MGBI], also a Germany-based firm, which is in turn 100%-owned by METRO AG, a Germany-based firm.

Now MetroHK is directly under the control of METRO AG.

MetroHK is METRO AG’s global sourcing headquarters in Hong Kong and its business covers all markets outside the European Union.

METRO AG’s Hong Kong operation, under the name of Gemex Trading Ltd. [Gemex], was integrated into the Group and has signed under the name of MetroHK since 1st November, 2003.

Being METRO AG’s sourcing headquarters, MetroHK is responsible for all buying activities from Asia and non-European Union countries.

METRO AG has set up regional offices in strategically important countries which report directly to MetroHK.  MetroHK now has around 400 employees worldwide.  MetroHK has set up representative offices in China, India, Bangladesh, Vietnam and Turkey.

It has moved to a new office in recent months which is located in 20/F., Skyline Tower, 39 Wang Kwong Road, Kowloon Bay, Kowloon, Hong Kong.

MetroHK is trading in the following commodities: clothing (knitted, woven, leather and fur skins, accessories); headgear; footwear; watches and clocks; pearls, precious and semi-precious stones; jewellery, imitation jewellery; travel goods and handbags; fish and seafood, fresh or preserved; vegetables, fruits and nuts; processed food, biscuits and confectionery; furniture, bedding, mattresses, cushions, carpets and floor coverings; non-electrical household articles, tableware, kitchenware and utensils; electrical household articles; electronic household articles, audio and video equipment, radios; lighting fixtures and fittings; gift and premiums; Christmas decorations, artificial flowers and plants; toys, pens, games; sporting goods; hides, skins and leather products; plastic products; ceramic products; wood products; glass and glassware; rubber products; miscellaneous light industrial products; paper and paperboard, articles of paper, stationery; optical and photographic instruments and apparatus; electrical machinery, apparatus and parts; mechanical machinery, apparatus and parts; office machines and computer equipment and parts; heating and cooling equipment and parts; electronic devices, parts and accessories; telecommunications, audio and video equipment and parts; cosmetics, toiletries, perfumery, etc.

MetroHK’s business activities are the followings:-

  • Brand Packing and Label Services;
  • Buying Trip Services;
  • Financing Services;
  • Infrastructure Services;
  • Logistics Services;
  • Offer and Order Management;
  • Product Management;
  • Quality Assurance Services; &
  • Sourcing.

The METRO Group is headed by METRO AG, which is based in Düsseldorf and acts as a strategic management holding company.  METRO AG is one of the worldwide largest trading groups.

The METRO Group was created in 1996 by the merger of leading trade and retail companies.  The Group is composed of high-performing, independent individual companies and businesses.  Its operative business is handled by four sales divisions.  Since its public listing in November 2005, the Praktiker sales division has no longer been a part of the METRO Group portfolio.  Cross-divisional services such as logistics, information technology and the procurement of advertising media are bundled in cross-divisional service companies.

The Group is one of the most important international retailing companies:-Some 180 nations are working at over 2,200 outlets in 32 countries in Europe, Africa and Asia.  The portfolio of its strong sales brands offers a wide range of services for private and commercial customers:-

  • Galeria Kaufhof, the system leader in the department store business;
  • Media Markt and Saturn, Europe’ s leader in consumer electronic retailing;
  • Metro Cash & Carry, the world’s market leader in cash & carry;
  • METRO PROPERTIES; &
  • Real hypermarkets.

Today, the METRO Group is the third largest retailer worldwide.  It employs about 280,856 staff in more than 30 countries and regions as at the end of 2011, nearly one half of whom work outside Germany.

METRO Group established a new Group structure in conjunction with Shape 2012 during the FY 2009.  METRO AG continues to be headed by METRO AG based in Dusseldorf.  As a strategic management holding company, METRO AG manages, among other things, the Group-wide Finance, Controlling and Compliance functions.

In FY 2012, the METRO Group generated net sales of €66,739 million, grew by 1.2% as compared with €65,926 million in FY 2011.  Group net profit for the year was just €3 million, decreased substantially as compared with €631 million in FY 2011.

Global economic developments were weak in 2012.  Many countries, especially in Western Europe, were in or on the verge of recession.  Even Germany was unable to escape the effects of the European debt crisis any longer after its dynamic growth in the past two years.

In 2012, the Group had 40 new stores opened and 14 closed respectively sold. 12 openings and 4 disposals/closures took place in the third quarter.  In addition, 30 stores were disposed of in the United Kingdom due to the sale of Makro UK.

On the whole, in view of the background and parentage of MetroHK, consider it good for normal business engagements.

 

 

REMARK

 

Financial statements of the subject are not available.  However, financial statements of the Group are attached for your reference.

DIAMOND INDUSTRY – INDIA

 

-          From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-          The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-          The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-          Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-          Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-          The diamond jewellery industry in India today may be more than Rs 60000 mil and is rated amongst the fastest growing  in the world. Indi ranks third in the world in domestic diamond consumption.

-          Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-          Excerpts from Times of India dated 30th October 2010 is as under –

 

DIAMOND SAGA – DIRTY DOZEN STUCK WITH 2K CR DEBT

This could be the biggest credibility crisis the Indian diamond industry has ever faced. Fifteen banks run the risk of losing Rs 2000 crore lent to a dozen diamond firms in Surat. Until about two months ago, they had not repaid  these dues. Bankers believe many diamantaires borrowed money during the economic downturn two years ago and diverted funds to businesses like real estate and capital markets. Many of themselves made money from these businesses but their diamond companies have gone sick and declared insolvency.

-          Most of the money borrowed from the banks in the name of their diamond business has been diverted in real estate and the share market. The banks are not in a position to seize their properties because in many cases, these were purchased in the name of their relatives and friends.

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.10

UK Pound

1

Rs.82.46

Euro

1

Rs.70.49

 

 

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.