MIRA INFORM REPORT

 

 

Report Date :

09.05.2013

 

IDENTIFICATION DETAILS

 

Name :

ACTION ELECTRONICS CO., LTD.

 

 

Registered Office :

No.198, Chung-Yuan Rd., Chung-Li City, Tao-Yuan Hsien

 

 

Country :

Taiwan

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

21.07.1976

 

 

Com. Reg. No.:

44955117

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and sale of electronic products, etc.

 

 

No. of Employees :

About 2,000 Employees

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate  

Payment Behaviour :

Slow but Correct

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)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 

TAIWAN ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. In 2009, Taiwan's GDP contracted 1.8%, due primarily to a 13.1% year-on-year decline in exports. In 2010 GDP grew 10.7%, as exports returned to the level of previous years, and in 2011, grew 4.1%. In 2012, however, growth fell to 1.3%, because of softening global demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, but except for the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010, so far Taiwan has been excluded from this greater economic integration in part because of its diplomatic status. Negotiations continue on such follow-on components of ECFA regarding trade in goods and services. The MA administration has said that the ECFA will serve as a stepping stone toward trade pacts with other key trade partners, which Taiwan subsequently launched with Singapore and New Zealand. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 11.2% of the island's total population as of 2012. The island runs a large trade surplus largely because of its surplus with China, and its foreign reserves are the world's fifth largest, behind China, Japan, Saudi Arabia, and Russia. In 2006 China overtook the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Three financial memorandums of understanding, covering banking, securities, and insurance, took effect in mid-January 2010, opening the island to greater investments from the mainland's financial firms and institutional investors, and providing new opportunities for Taiwan financial firms to operate in China. In August 2012, Taiwan Central Bank signed a memorandum of understanding on cross-Strait currency settlement with its Chinese counterpart. The MOU allows for the direct settlement of Chinese RMB and the New Taiwan dollar across the Strait, which could help develop Taiwan into a local RMB hub. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

 

Source : CIA

 

 


Contact Points

 

Company Name:

Action Electronics Co., Ltd.

Supplied Name:

Action Electronics Co., Ltd.

Trading Address:

No.198, Chung-Yuan Rd., Chung-Li City, Tao-Yuan Hsien, Taiwan, R.O.C.

Supplied Address:

198 Chung Yuan Rd. Chung Li Ind. Zone Chung Li Taiwan R.O.C.

Telephone Number:

+886-3-451-5494

Fax Number:

+886-3-452-0697

Notes: The exact address is as above.

 

 

Company Identification Details

 

Registered Name:

Action Electronics Co., Ltd.

Registered Address:

No.198, Chung-Yuan Rd., Chung-Li City, Tao-Yuan Hsien, Taiwan, R.O.C.

Date of Foundation:

1976-7-21

Registration Number:

44955117

Registry:

Department of Commerce, Ministry of Economic Affairs, R.O.C.

Registered Capital:

NTD 4,500,000,000 (USD 153,000,000)

(As of 2013.05, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 2,821,574,960 (USD 95,933,548.64)

Legal Representatives:

Junping Peng

Legal Form:

Joint Stock Company

Principal Activities:

Manufacturing and sale of electronic products, etc

Staff:

About 2,000 Employees

Listed at Stock Exchange:

Yes; Stock Symbol: 3024

Date of Last Annual Return:

2012-11-12

 

History

 

Subject was incorporated on 1976-7-21 with registered number 44955117 as Joint Stock Company in Taiwan.

 

Subject was listed on Taiwan Stock Exchange on 2002-8-26.

 

 

Shareholders

 

Name

Subscription Shares

Junping Peng

19,476,303       

 

Dengbang Zhao

 

1,297,820

 

Wenzhi Peng

1,796,707

Tingyu Peng

4,174,983

Bozhang Peng

2,158,583

Hua Yi Investment Co., Ltd. (Literal Translation)

1,676,515

Jincheng Liao

991,267

Jinlu Xu

2,250,717

Ruien Peng

2,807,190

Qiuqi Liu

2,089,249

 

The information above is that of subject’s major shareholders.

 

 

Subsidiaries & Branches

 

Related Companies

1

Name:

Hua Yi Investment Co., Ltd. (Literal Translation)

Address:

No.10, Alley 30, Lane 160, Renci Road, Renmei Li, Zhongli City, Taoyuan County, Taiwan, R.O.C.

Date of Foundation:

1998-6-23

Registration Number:

16533919

Registry:

MOEA Central Office

Registered Capital:

NTD 1,000,000 (USD 34,000)

(As of 2013.05, 1 NTD = 0.0340 USD)

Legal Representatives:

Yunzhu Chen

Legal Form:

Joint Stock Company

Principal Activities:

H201010 -- General investment business

Listed at Stock Exchange:

No

Date of Last Annual Return:

2011-10-25

2

Name:

Action Technology (Shenzhen) Co., Ltd.

Address:

Building No.2 Jinmeiwei Industrial Park, Xingye West Road, He'yi, Shajing Street, Bao'an District, Shenzhen City, 518104, China

Telephone Number:

+86-755-2987-5353

Fax Number:

+86-755-2795-2201

3

Name:

Action Asia (Shenzhen) Co., Ltd.

Address:

Dede Industrial Park, Jian'an Road, High-Tech industrial Park, Fuyong own, Bao'an Dist., Shenzhen City 518103 China

Telephone Number:

+86-755-2917-9999

Fax Number:

+86-755-2917-7666

4

Name:

Action Technology (Jian) Co., Ltd.

Address:

Industrial Park, Jian County Jian City, 343100 China

Telephone Number:

+86-796-840-4118

Fax Number:

+86-796-840-4116

5

Name:

Action Industries (Malaysia) Sdn Bhd

Address:

2480 TingKat Perusahaan Enam, Prai Free Trade Zone, 13600 Perai. Penang, Malaysia

Telephone Number:

+60-4-399-7600

Fax Number:

+60-4-399-7604

6

Name:

America Action Inc.

Address:

13620 5th St., Chino, CA 91710, U.S.A.

Telephone Number:

+1-909-548-6600

Fax Number:

+1-909-548-6603

7

Name:

Far Year (Holding) Ltd.

Address:

Unit B, 21/F., Ykk Building, Phase Iii, 7 San Ping Circuit, Tuen Mun, N.T., H.K.

Telephone Number:

+852-2765-8213

Fax Number:

+852-2333-9183

8

Name:

Best Taiwan Inc.

Address:

No.198, Zhongyuan Rd., Zhongli City, Taoyuan County 320, Taiwan (R.O.C.)

Telephone Number:

+886-3-451-5494

Fax Number:

+886-3-452-0697

9

Name:

Realise Tech-Service Co., Ltd.

Address:

2F, No. 14, Siwei St. Sanchung Dist., New Taipei City 24155, Taiwan (R.O.C.)

Telephone Number:

+886-2-8287-6668

Fax Number:

+886-2-8287-6669

 

 

Personnel Information

 

Core Management

Directors

1

Name

Junping Peng

Position

Board Director

2

Name

Dengbang Zhao

Position

Director

Date of Appointment

2006-12-1

3

Name

Wenzhi Peng

Position

Director

4

Name

Tingyu Peng

Position

Director

5

Name

Bozhang Peng

Position

Director

6

Name

Wenxin Lai

Position

Director

7

Name

Jincheng Liao

Position

Director

8

Name

Weishen Chen

Position

Independent Director

9

Name

Hanzong Li

Position

Independent Director

10

Name

Jinlu Xu

Position

Supervisor

11

Name

Ruien Peng

Position

Supervisor

12

Name

Qiuqi Liu

Position

Supervisor

 

Personnel Structure

Total Employees

About 2,000 Employees

 

 

Operation Information

 

Offices & Factories

 

Headquarters

Add

No.198, Chung-Yuan Rd., Chung-Li City, Tao-Yuan Hsien, Taiwan, R.O.C.

 

Production Information

l  Subject is engaged in manufacturing of electronic products, etc.

l  Subject has factories in Taiwan, Shenzhen, China and Malaysia for production and obtained the certifications of ISO 9001 and ISO 9002.

l  It is introduced that subject can also provide OEM and ODM services.

 

Purchase Information

l  The registered activities of subject:

Business Code

Details

C399990

Manufacturing of other textile

C802100

Manufacturing of cosmetic

CB01020

Manufacturing of office equipment

CC01030

Manufacturing of electrical equipment and audio-visual electronic products

CC01060

Manufacturing of wire communication machinery

CC01070

Manufacturing of wireless communication machinery

CC01080

Manufacturing of electronic components

CC01101

Manufacturing of RF equipment controlled by telecom

CC01110

Manufacturing of computer and peripheral equipment

CE01030

Manufacturing of optical instrument

CH01030

Manufacturing of stationery

E601010

Installation of electrical equipment

E604010

Installation of machinery

EZ05010

Installation of instrument and meter

F104110

Wholesale of textile, garment, shoe, hat, umbrella, accessories

F105050

Wholesale of furniture, bedding, kitchen utensil, decoration

F107030

Wholesale of cleaning supplies

F108031

Wholesale of medical equipment

F108040

Wholesale of cosmetic

F109070

Wholesale of stationery, musical instrument, recreational good

F113010

Wholesale of machinery

F113020

Wholesale of electrical equipment

F113030

Wholesale of precise instrument

F113050

Wholesale of computer and office equipment

F113070

Wholesale of telecommunications equipment

F116010

Wholesale of photographic apparatus

F119010

Wholesale of electronic materials

F207030

Retail of cleaning supplies

F208031

Retail of medical equipment

F209060

Retail of stationery, musical instrument, recreational good

F213010

Retail of electrical equipment

F213030

Retail of computer and office equipment

F213040

Retail of precise instrument

F213060

Retail of telecommunications equipment

F213080

Retail of machinery

F216010

Retail of photographic apparatus

F219010

Retail of electronic materials

F401010

International trade business

F401021

Import of RF equipment controlled by telecom

I103060

Management consulting business

ZZ99999

Besides licensed business, all other business items those are not banned or restricted.

l  The components for production are purchased from both home and abroad.

 

Sales Information

l  Subject is engaged in sale of electronic products, etc.

l  Subject’s sales regions include Europe, North America Japan, and other Asian countries, etc.

l  Subject’s major customers are 1st tier retailers, mass merchandisers and distributors, etc.

l  It is introduced that subject has their own retail store in Taiwan called “Best Taiwan Inc.”.

l  Subject obtained the authorization of the brand “Kolin” on 2012-6-1.

 

Major products

 

Product

1

Portable Multimedia Player

2

LCD Digital TV/ DVD Combo

3

Digital Picture Frame with Clock/ Radio

4

Mobile Entertainment Device

5

Mobile Internet Device

6

Solar Application

7

Tablet PC

 

Import and export right:

Import right

Yes

Export right

Yes

 


Settlements

 

Purchase

Domestic Purchase

Product

Payment Terms

Proportion

Components

Cash, T/T, etc

100%

 

Foreign Purchase

Product

Payment Terms

Proportion

Components

L/C, T/T, etc

100%

 

Sales

Domestic Markets

Product

Sales Terms

Proportion

Electronic products

Cash, T/T, etc

100%

Export

Product

Sales Terms

Proportion

Electronic products

L/C, T/T, etc

Components

 

 

Balance Sheet

 

Unit: NTD/000

 

2012-12-31

2011-12-31

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

350,090.00

210,216.00

Financial assets measured at fair value through profit or loss - current

44,012.00

51,763.00

Notes receivable - net

1,864.00

20,333.00

Accounts receivable - net

18,112.00

3,560.00

Other receivables

4,188.00

4,557.00

Other financial assets - current

0.00

20,608.00

Inventories

13,168.00

79.00

Other prepayments

12,676.00

1,875.00

Other current assets

15.00

2,226.00

Current assets

444,125.00

315,217.00

Funds and Investments

 

 

Financial assets carried at cost - non current

220,000.00

220,000.00

Equity investments under equity method

2,702,932.00

3,694,082.00

Investments

2,702,932.00

3,694,082.00

Other financial assets - non current

1,452.00

0.00

Funds and long-term investments

2,924,384.00

3,914,082.00

Fixed Assets

 

 

Cost

 

 

Land

23,230.00

18,037.00

Buildings and structures

90,377.00

82,034.00

Machinery and equipment

1,031.00

1,072.00

Transportation equipment

5,958.00

2,949.00

Office equipment

15,395.00

15,169.00

Revaluation increment

70,606.00

63,129.00

Cost and revaluation increment

206,597.00

182,390.00

Accumulated depreciation

-81,938.00

-71,562.00

Construction in process and prepayment for equipments

1,222.00

1,222.00

Fixed assets

125,881.00

112,050.00

Intangible Assets

 

 

Trademarks

191,870.00

0.00

Patents

242.00

0.00

Intangible assets

192,112.00

0.00

OtherAssets

 

 

Rental assets

171,039.00

190,026.00

Guarantee deposits paid

30.00

30.00

Deferred charges

640.00

1,024.00

Other assets - other

2,492.00

2,492.00

Other assets

174,201.00

193,572.00

Assets

3,860,703.00

4,534,921.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowings

595,000.00

810,000.00

Notes payable

1,942.00

0.00

Accounts payable

19,330.00

605.00

Accounts payable - related parties

31,881.00

95,966.00

Accrued expenses

16,201.00

11,760.00

Other payables

1,074.00

5,990.00

Advance receipts

1,457.00

1,752.00

Current liabilities

666,885.00

926,073.00

Long term Liabilities

 

 

Reserves

 

 

Reserve for land revaluation increment tax

25,517.00

25,517.00

Reserves

25,517.00

25,517.00

Other Liabilities

 

 

Pension reserve / accrued pension liability

46,339.00

45,464.00

Guarantee deposits received

1,796.00

2,622.00

Deferred income tax liabilities

80,648.00

111,386.00

Other liabilities

128,783.00

159,472.00

Liabilities

821,185.00

1,111,062.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

2,821,575.00

3,071,575.00

Capital Surplus

 

 

Capital surplus - additional paid-in capital

127,758.00

284,578.00

Capital surplus - treasury stock transactions

87,908.00

53,861.00

Capital surplus - long-term equity investments

95,312.00

110,767.00

Capital surplus - other

0.00

18,485.00

Capital surplus

310,978.00

467,691.00

Retained Earnings

 

 

Legal reserve

0.00

33,122.00

Unappropriated retained earnings

-236,922.00

-208,427.00

Retained earnings

-236,922.00

-175,305.00

Stockholders' Equity and Other adjustment

 

 

Cumulative translation adjustments

119,994.00

214,817.00

Net loss not recognized as pension cost

-2,082.00

-2,176.00

Unrealized Revaluation Increment

60,774.00

60,774.00

Treasure stock

-34,799.00

-213,517.00

Equity adjustments

143,887.00

59,898.00

Stockholders - equity

3,039,518.00

(USD 103,343,612.00)

3,423,859.00

(USD 116,411,206.00)

Number of treasury stock acquired by the company and subsidiaries (unit: share)

4,726,000.00

24,742,000.00

 

0.00

0.00

(As of 2013.05, 1 NTD = 0.0340 USD)

 

 

Profit and Loss Account

 

Unit: NTD/000

 

2012-1-1~2012-12-31

2011-1-1~2011-12-31

Sales

78,404.00

(USD 2,665,736.00)

307,095.00

(USD 10,441,230.00)

Sales returns

0.00

5,872.00

Sales discounts and allowances

158.00

0.00

Sales

78,246.00

301,223.00

Operating income

78,246.00

301,223.00

Cost of sales

70,829.00

297,865.00

Operating costs

70,829.00

297,865.00

Gross profit (loss) from operations

7,417.00

3,358.00

Unrealized gains on intercompany transactions

-2.00

-2.00

Realized gains on intercompany transactions

-2.00

-7.00

Selling expense

27,606.00

842.00

General and administrative expenses

67,634.00

79,468.00

Operating expenses

95,240.00

80,310.00

Operating income (loss)

-87,823.00

-76,957.00

Non-Operating Income

 

 

Interest income

4,074.00

9,701.00

Dividends

1,038.00

0.00

Investment income

1,038.00

0.00

Foreign exchange gains

3,968.00

11,763.00

Rent income

14,062.00

11,420.00

Revaluation gain on financial assets

3,845.00

0.00

Miscellaneous income

28,546.00

42,522.00

Non-operating revenues and gains

55,533.00

75,406.00

Non-Operating Expenses

 

 

Interest expense

17,663.00

8,626.00

Losses from long-term equity investments under the equity method

193,117.00

233,703.00

Investment loss

193,117.00

233,703.00

Loss on sale of investments

84.00

120.00

Revaluation loss on financial assets

0.00

9,052.00

Miscellaneous disbursements

2,693.00

2,876.00

Non-operating expenses and losses

213,557.00

254,377.00

Income from continuing operations before income tax

-245,847.00

-255,928.00

Income tax expense (benefit)

-8,925.00

-18,316.00

Income from continuing operations

-236,922.00

-237,612.00

Net income (loss)

-236,922.00

(USD -8,055,348.00)

-237,612.00

(USD -8,078,808.00)

Primary Earnings per Share

 

 

Income (loss) from continuing operations

-0.81

-0.76

Primary earnings per share

-0.81

-0.76

Diluted earnings per share

 

 

(As of 2013.05, 1 NTD = 0.0340 USD)

Cash Flows

 

Unit: NTD/000

 

2012-1-1~2012-12-31

2011-1-1~2011-12-31

Cash Flows from Operating Activities - Indirect Method

 

 

Net Income (Loss)

-236,922.00

-237,612.00

Adjustments to Reconcile Net Income to Net Cash Provided by (Used in) Operating Activities

 

 

Depreciation Expense

9,176.00

11,104.00

Amortization Expense

6,265.00

485.00

Provision (Reversal of Provision) for Bad Debts Losses

-821.00

0.00

Loss (Gain) on Decline (Recovery) in Market Value, Scrap and Obsolescence of Inventories

297.00

148.00

Investment Loss (Income) Recognized under Equity Method

193,117.00

233,703.00

Cash Dividends Received from Investments Accounted for under Equity Method

40,667.00

50,378.00

Loss (Gain) on Disposal of Investments

84.00

120.00

Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

-3,845.00

9,052.00

Unrealized Gain (Loss) on Intercompany Transactions

2.00

-2.00

Realized Loss (Gain) on Intercompany Transactions

-2.00

7.00

Changes in Operating Assets and Liabilities

 

 

Decrease (Increase) in Financial Assets Held for Trading

11,512.00

-60,935.00

Decrease (Increase) in Notes Receivable

18,469.00

-104.00

Decrease (Increase) in Accounts Receivable

-10,596.00

137,529.00

Decrease (Increase) in Other Receivables

369.00

8,731.00

Decrease (Increase) in Inventories

-13,386.00

1.00

Decrease (Increase) in Other Prepayments

-4,015.00

-912.00

Decrease (Increase) in Deferred Tax Assets

-9,106.00

-18,595.00

Increase (Decrease) in Notes Payable

1,942.00

0.00

Increase (Decrease) in Accounts Payable

15,590.00

24.00

Increase (Decrease) in Accounts Payable - Related Parties

-64,085.00

-112,652.00

Increase (Decrease) in Accrued Expenses

-159.00

-4,773.00

Increase (Decrease) in Other Payables

-1,498.00

1,666.00

Increase (Decrease) in Receipts in Advance

-295.00

247.00

Increase (Decrease) in Accrued Pension Liabilities

969.00

-481.00

Net Cash Provided by (Used in) Operating Activities

-46,271.00

17,129.00

Cash Flows from Investing Activities

 

 

Acquisition of Subsidiaries

-143,641.00

-23,669.00

Proceeds from Capital Reduction of Investments Accounted for under Equity Method

771,308.00

0.00

Purchase of Property, Plant and Equipment

-4,020.00

-1,574.00

Increase in Deferred Charges

-1,320.00

-1,042.00

Decrease (Increase) in Other Receivables - Related Parties

0.00

232,640.00

Purchase of Intangible Assets

-198,859.00

0.00

Decrease (Increase) in Other Financial Assets

19,156.00

12,437.00

Net Cash Provided by (Used in) Investing Activities

442,624.00

218,792.00

Cash Flows from Financing Activities

 

 

Increase (Decrease) in Short-term Loans

-215,000.00

220,000.00

Increase (Decrease) in Guarantee Deposits Received

-826.00

1,532.00

Cash Dividends Paid

0.00

-31,714.00

Purchase of Treasury Stock

-40,653.00

-434,380.00

Net Cash Provided by (Used in) Financing Activities

-256,479.00

-244,562.00

Net Increase (Decrease) in Cash and Cash Equivalents

139,874.00

-8,641.00

Cash and Cash Equivalents, Beginning of year

210,216.00

218,857.00

Cash and Cash Equivalents, End of year

350,090.00

210,216.00

Supplemental Cash Flow Information

 

 

Interest Paid- Excluding Capitalized Interest

16,806.00

8,626.00

Bankers

 

Subject declined to disclose its bank details; from other source we cannot obtain the relevant information, either.

 

 

Public Record

 

Mortgage

No chattel mortgage record of subject has been found within the recent 3 months.

Lawsuit

Up to date of reporting, no existing or latent litigation of the subject has been found.

 

 

Interview Details

 

Name

Ms. Liu

Department

Sales Department

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.16

UK Pound

1

Rs.83.88

Euro

1

Rs.70.99

 

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

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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.