MIRA INFORM REPORT

 

 

Report Date :

17.05.2013

 

IDENTIFICATION DETAILS

 

Name :

ISKRA SISTEMI, D.D. 

 

 

Registered Office :

Stegne 21, 1000 Ljubljana

 

 

Country :

Slovenia

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

27.12.1974                                                

 

 

Com. Reg. No.:

10511800           

 

 

Legal Form :

Joined Stocked Company                                                          

 

 

Line of Business :

manufacture of other electrical equipment, development, engineering                                                   

 

 

No. of Employees :

1392 employees                                         

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory 

 

 

Payment Behaviour :

No  Complaints

 

 

Litigation :

Clear 

 

NOTES:

Any query related to this report can be made on e-mail: infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – March 31st 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Slovenia

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

slovenia ECONOMIC OVERVIEW

 

Slovenia became the first 2004 European Union entrant to adopt the euro (on 1 January 2007) and has experienced one of the most stable political and economic transitions in Central and Southeastern Europe. With the highest per capita GDP in Central Europe, Slovenia has excellent infrastructure, a well-educated work force, and a strategic location between the Balkans and Western Europe. Privatization has lagged since 2002, and the economy has one of the highest levels of state control in the EU. Structural reforms to improve the business environment have allowed for somewhat greater foreign participation in Slovenia's economy and helped to lower unemployment. In March 2004, Slovenia became the first transition country to graduate from borrower status to donor partner at the World Bank. In 2007, Slovenia was invited to begin the process for joining the OECD; it became a member in 2012. Despite its economic success, foreign direct investment (FDI) in Slovenia has lagged behind the region average, and taxes remain relatively high. Furthermore, the labor market is often seen as inflexible, and legacy industries are losing sales to more competitive firms in China, India, and elsewhere. In 2009, the global recession caused the economy to contract - through falling exports and industrial production - by 8%, and unemployment to rise. Although growth resumed in 2010, it dipped into negative territory in 2012 and the unemployment rate continued to rise, approaching 12% in 2012.

 

Source : CIA

 


Company name & address

 

Iskra Sistemi, d.d.

 

Stegne 21,

1000 Ljubljana

Phone:              01 513 10 10

Telefax:            01 511 15 32

E-Mail   :           info@iskrasistemi.si

Web:                www.iskrasistemi.si

 

 

Company summary

 

Legal form        Joined stocked Company                                                          

Established       on  27/12/1974 -                                                   

                22/06/1998 - Joined stocked Company                            

                19/12/1990 - d.o.o. - Limited liability company (Ltd.)         

                last entry on 08.04.2013                                       

                                                                               

                on 21.6.2012 incorporation of the company ISKRA MIS, d.d.      

                on  7.10.2011 incorporation of the company  ORIA, d.o.o.       

                on  12.8.2011 incorporation of the company ISKRA INVEST, d.d.  

                in year 2005 incorporation of the company ISKRA TRANSMISSION   

                d.d.                                                            

 

Registered on                           22/06/1998, Ljubljana, Registration number: 10511800           

                                                                               

Tax number:                  SI13278088                                          

 

Company number:         5185726                                        

 

Registered                                          EUR       28.065.567,31    

capital                                                                        

                On 21.06.2012 capital increase for EUR 17.019.900,42           

                On 12.08.2011 capital increase for EUR 3.296.600,41            

                On 27.05.2008 capital increase for EUR 2.512.099,74            

                On 05.06.2009 capital increase for EUR 768.756,18              

 

Head                            ISKRA, d.d. (Statistical number:    %                   100    

shareholders                  5330424)                                                       

                                    Kotnikova ulica 28, 1000 Ljubljana                             

                                    (stand per 13.05.2013)                                         

 

Board of                        Dušan Šešok                                                    

Directors                       Opekarniška ulica 43, 1235 Radomlje                            

                                    chairman of the board                                          

                                     Jože Godec                                                     

                                    Ulica Franca Nebca 5, 1000 Ljubljana                           

Board member                                                   

                Peter Goltnik                                                  

                Praprotnikova ulica 15, 3330 Mozirje                            

                Board member                                                   

                (stand per 15.05.2013)                                         

 

Supervisory     Dr. Dipl. Kfm. Andro Ocvirk                                     

Board           Novo polje, Cestza XV 31, 1260 Ljubljana-Polje                 

                chairman of the supervisory board                              

                Janez Peskar                                                   

                Zaloška cesta 222e, 1000 Ljubljana                             

                member of the supervisory board                                

                Marjan Plut                                                    

                Gotska ulica 5, 1000 Ljubljana                                 

                member of the supervisory board                                

                (stand per 15.05.2013)                                         

 

Other          

activities      

General data    Company activity:                                              

                manufacture of other electrical equipment, development,        

                engineering                                                    

                manufacture of electricity distribution and  control           

                apparatus,                                                     

                production of condensers and equipment,                        

                production of electronic apparatus and equipment, import-      

                export                                                         

                                                                             

                 Headquarters and business production premises are located on  

                the address above  

                                           

                business premises are also in Ljubljanska cesta 24A, 4000      

                Kranj,                                                          

                                                                               

                 Otoèe 5A, 4244 Podnart, Vajdova ulica 71, 8333 Semiè, Glinek  

 

                5, 1291 Škofljica and Šentvid pri Stièni 108, 1296 Šentvid pri 

                Stièni                                                         

                                                                               

                Main activity:                                                  

                Manufacture of other electrical equipment               

                (NACE 2)                                                       

                Export:                                                        

                European Union                                                 

                Bosnia-                                                        

                Hercegovina                                                    

                Iran                                                            

                Montenegro                                                     

                Macedonia                                                      

                Bulgaria                                                        

                Russia                                                         

                Thailand                                                       

                Albania                                                         

                Import:                                                        

                European Union                                                 

                USA                                                             

                China                                                          

                                                                               

                Residence address:                                              

                Stegne 21, 1000 Ljubljana                                      

                Phone:                                                         

                01 513 10 10                                                   

                Telefax:                                                       

                01 511 15 32                                                   

 

                E-Mail:                                                        

                info@iskrasistemi.si                                            

 

                Web:                                                           

                www.iskrasistemi.si                                             

 

Employees       2008    330 employees                                          

                        2009    327 employees                                          

                        2010    295 employees                                          

                          2011    364 employees                                          

                         2012    1370 employees                                         

                         2013    1392 employees                                         

 

Annual turnover 2007            Enterprise turnover EUR        33.408.519,-    

                        2008            Enterprise turnover EUR        44.739.995,-    

                         2009            Enterprise turnover EUR        46.065.819,-    

                         2010            Enterprise turnover EUR        39.178.903,-    

                         2011            Enterprise turnover EUR        48.592.479,-    

                         2012            approx.             EUR       100.659.813,-    

 

Expected profit  Iskra sistemi d.d. 2012 EUR 2.217.691,--      

                                                                             

                financial data for the company ISKRA MIS, d.d.                 

                Annual turnover 2011  EUR  73.542.085,-                        

                Net profit 2011 EUR 2.123.156 ,--                              

                                                                               

                                                                                

Property        Company's property: Business premises                                   

                                                                               

                SI-4000 Kranj , Ljubljanska cesta  24A                         

                                                                               

                Company's                                                      

                property: Business premises                                    

                                                                               

                SI-4244 Podnart, Otoèe 5A                                      

                                                                                

                Company's property: Business premises                                   

                                                                               

                SI-1000 Ljubljana, Stegne 21                                   

                                                                               

                Company's                                                      

                property: Business premises                                     

                                                                               

                SI-8333 Semiè, Vajdova ulica 71                                

                                                                                

                Company's property: Business premises                                   

                                                                               

                SI-1291 Škofljica, Glinek 5                                     

                                                                               

                Company's                                                      

                property: Business premises                                     

                                                                               

                SI-1296 Šentvid pri Stièni, Šentvid pri Stièni 108             

 

Remarks         to your inquiry:                                               

                                                                                

                 the inquired company was on 21.06.2012 into the company Iskra 

                sistemi d.d. incorporated.                                     

                                                                                

                 on the address Vajdova ulica 71, Semiè are business premises  

                of the company Iskra sistemi d.d. located.                     

                                                                                

                Company name:                                                  

                ISKRA SISTEMI Avtomatizacija procesov, d.d.                    

                                                                                

                Participation in capital:                                      

                Iskra Sistemi-M DOOEL SKOPJE, Macedonia (100% share)           

                ISKRA d.o.o. Novi Sad , Serbia(100% share)                      

                Cupola AEC, poslovne rešitve, d.o.o. (91,43%share)             

                Programm d.o.o., Serbia (100% share)                           

                TELA L Laktoši, BIH (100% share)                                

                ISKRA IP d.o.o. (100% share)                                   

                ISKRA TURIZEM d.o.o. (100% share)                              

                (Stand per  25.3.2013)                                         

                                                                                

Interests       Dr. Dipl. Kfm. Andro Ocvirk:                                   

                CIMOS d.d. (Statistical number:     Supervisory Board          

                5040302)                                                       

                GEN d.o.o. (Statistical number:     Supervisory Board          

                1646613)                                                       

                TANIN SEVNICA d.d. (Statistical     Supervisory Board          

                number: 5033675)                                               

                TANIN SEVNICA d.d. (Statistical     Head shareholders                       13,38% 

                number: 5033675)                                                

                Dušan Šešok:                                                   

                Iskra MIS d.d. (Statistical         Supervisory Board          

                number: 5045762)                                                

                ISKRA MIS, d.d. (Statistical        Supervisory Board          

                number: 5045142)                                               

                ISKRA STIKALA, d.d., Kranj          Supervisory Board          

                Iskra TELA d.d. (Statistical        Supervisory Board          

                number: 5045738)                                               

                ISKRA TRANSMISSION d.d. Ljubljana   Supervisory Board           

                (Statistical number: 5174929)                                  

                ISKRA, d.d. (Statistical number:    Board of Directors         

                5330424)                                                       

                Iskra Sistemi, d.d. (Statistical number: 5185726):             

                TEHNOLOŠKI PARK LJUBLJANA d.o.o.    Owner                      

                (Statistical number: 5911508)                                  

                ISKRA, d.d. (Statistical number: 5330424):                     

                Cankarjev dom (Statistical number:  Head shareholders          

                5099471)                                                       

                Fotona d.d. (Statistical number:    Head shareholders                                     10,4%  

                5045223)                                                       

                ISKRA ANTENE d.o.o. Podjetje anten  Owner                      

                in elektronskih naprav                                          

                (Statistical number: 5045487)                                  

                ISKRA COMMERCE d.o.o. (Statistical  Owner                      

                number: 5539714)                                                

                ISKRA INSTRUMENTI, d.d.             Head shareholders                       91,58% 

                (Statistical number: 5045185)                                  

                Iskra MIS d.d. (Statistical         Head shareholders                              100%   

                number: 5045762)                                               

                ISKRA MIS, d.d. (Statistical        Head shareholders                                       100%   

                number: 5045142)                                                

                ISKRA PRINS d.d. (Statistical       Head shareholders                         84,72% 

                number: 5091969)                                               

                ISKRA STIKALA, d.d., Kranj          Head shareholders                         87%    

                Iskra TELA d.d. (Statistical        Head shareholders                             99,66% 

                number: 5045738)                                               

                ISKRA TELA d.d., Ljubljana          Head shareholders                                      92,13% 

                (Statistical number: 5639573)                                  

                VERSOR, RAZISKAVE, RAZVOJ,          Owner                      

                PROIZVODNJA, TRGOVINA, STORITVE,                               

                GRADBENIŠTVO, D.O.O. (Statistical                              

                number: 2290588)                                               

                Janez Peskar:                                                  

                ISKRA, d.d. (Statistical number:    Supervisory Board          

                5330424)                                                       

                SNEZNIK d.d. Podjetje za            Members                    

                proizvodnjo in storitve                                         

                (Statistical number: 5699169)                                  

                Jože Godec:                                                    

                Iskra MIS d.d. (Statistical         Supervisory Board          

                number: 5045762)                                               

                ISKRA MIS, d.d. (Statistical        Supervisory Board          

                number: 5045142)                                                

                Iskra TELA d.d. (Statistical        Supervisory Board          

                number: 5045738)                                               

                ISKRA, d.d. (Statistical number:    Board of Directors         

                5330424)                                                       


Bank relations 

  NOVA LJUBLJANSKA BANKA d.d., LJUBLJANA:                        

                Central address: SI Trg republike 2, 1520 Ljubljana            

                Account number: SI56 0292 3001 2553 977                        

                                                                               

                ABANKA VIPA d.d.:                                              

                Central address: SI Slovenska cesta 58, 1517 Ljubljana         

                Account number: SI56 0510 0800 0022 205                        

                                                                               

                GORENJSKA BANKA d.d.:                                          

                Central address: SI Bleiweisova cesta 1, 4000 Kranj            

                Account number: SI56 0700 0000 1053 122                        

                                                                                

                PROBANKA d.d.:                                                 

                Central address: SI Trg Leona Štuklja 12, 2000 Maribor         

                Account number: SI56 2510 0971 3085 167                        

                                                                               

                HYPO ALPE-ADRIA-BANK d.d.:                                     

                Central address: SI Dunajska cesta 117, 1000 Ljubljana         

                Account number: SI56 3300 0000 2596 875                        

                                                                               

                BANKA KOPER d.d.:                                              

                Central address: SI Pristaniška 14, 6502 Koper                 

                Account number: SI56 101000049543812                           

                                                                               

                FACTOR BANKA d.d.:                                             

                Central address: SI Tivolska cesta 48, 1000 Ljubljana          

                Account number: SI56 270000000081464                           

                Account number: SI56 2700 0000 0022 294                        

                Account number: SI56 2700 0000 0048 193                        

                Account number: SI56 2700 0000 0130 740                        

                Account number: SI56 2700 0000 0133 262                        

                Account number: SI56 2700 0000 0139 761                        

                                                                               

                NOVA KREDITNA BANKA MARIBOR d.d.:                               

                Central address: SI Ulica Vita Kraigherja 4, 2505 Maribor      

                Account number: SI56 045150000955764                           

                                                                                

                BANKA SPARKASSE d.d.:                                          

                Central address: SI Cesta v Kleèe 15, 1000 Ljubljana           

                Account number: SI56 340001014648397                            

                                                                               

                BANKA CELJE d.d.:                                              

                Central address: SI Vodnikova 2, 3000 Celje                    

                Account number: SI56 060000021753034                           

                                                                               

                SBERBANK d.d.:                                                 

                Central address: SI Dunajska cesta 128a, 1000 Ljubljana        

                Account number: SI56 300000001136682                           

                Account number: SI56 300000101136698                           

                       


                                                        

                FACTOR BANKA d.d.:                                             

                Central address: SI Tivolska cesta 48, 1000 Ljubljana          

                Account number: SI56 270000000397587                           

 

Company         Constant                                                   

development                                                                    

 

Terms of        Mostly within agrees terms, but partly also                 

payment         delayed                                                        

 

Business        Business connection appear permissible                     

connection                                                                     

 

A. The enclosed balance of 2011 is originated from official source, it is not  

authenticated by the auditor. (31.12.2011 - 1 EUR)                             

 

B. The enclosed balance of 2010 is originated from official source, it is not  

authenticated by the auditor. (31.12.2010 - 1 EUR)                             

 

C. The enclosed balance of 2009 is originated from official source, it is      

authenticated by the auditor . (31.12.2009 - 1 EUR)                            

 

D. The enclosed balance of 2008 is originated from official source, it is      

authenticated by the auditor . (31.12.2008 - 1 EUR)                            

 

 

financial data

 

balance                              A           B           C           D

                            31.12.2011  31.12.2010  31.12.2009  31.12.2008

ASSETS (AKTIVA)             50.931.841  36.914.011  43.785.145  44.301.557

LONG-TERM ASSETS            17.298.062   9.187.293   9.729.056  10.460.004

Intangible assets and        3.015.611   1.706.313   2.070.410   2.383.002

long-term deferred costs                                                  

and accrued revenues                                                      

Intangible assets            2.995.674   1.706.313   2.070.410   2.383.002

Long-term deferred costs        19.937           0           0           0

and accrued revenues                                                      

Tangible fixed assets       11.638.631   7.165.082   7.476.946   7.899.314

Long-term financial          2.490.887     216.716     181.700     177.688

investments and Real                                                      

estate investments                                                        

Investment property          1.218.275           0           0           0

Long-term financial          1.272.612     216.716     181.700     177.688

investments                                                               

Long-term operating              5.361           0           0           0

receivables                                                               

Deferred receivables for       147.572      99.182           0           0

taxes                                                                     

>SHORT-TERM ASSETS         >32.539.114 >25.216.772 >29.565.800 >32.267.484

Assets (group for              132.122           0           0           0

estrange) for sell                                                        

Inventories                  8.480.591   5.206.301   6.660.892   8.297.276

Short-term financial         4.299.553     259.202     937.231   1.167.079

investments                                                               

Short-term operating        16.606.244  14.326.454  18.622.895  19.377.429

receivables                                                                

Cash assets                  3.020.604   5.424.815   3.344.782   3.425.700

>Short-term deferred        >1.094.665  >2.509.946  >4.490.289  >1.574.069

costs and accrued revenues                                                 

Off-balance sheet items     19.685.803  15.068.022  10.394.511  10.297.266

>LIABILITIES               >50.931.841 >36.914.011 >43.785.145 >44.301.557

>CAPITAL                   >16.469.688 >11.713.002 >12.736.008 >11.489.124

Called-up capital           11.045.667   7.749.067   7.749.067   6.980.310

Basic (subscribed) capital  11.045.667   7.749.067   7.749.067   6.980.310

Non called-up capital                0           0           0           0

(deductive item)                                                           

 Capital reserves            2.525.970   1.265.415   1.265.415   1.265.415

Reserves from profit           234.623     195.865     161.042      99.071

Surplus from revaluation     1.919.239   1.900.457   2.375.571   2.375.571

Retained net                     7.785           0       7.458       3.872

Net business result for        736.404     602.198   1.177.455     764.885

the business year                                                         

>PROVISIONS AND LONG-TERM   >1.417.018  >1.246.605  >1.160.851    >965.168

ACCRUED COSTS AND                                                         

DEFERRED REVENUES                                                         

>FINANCIAL AND BUSINESS    >30.804.162 >17.314.609 >22.787.969 >28.121.451

LIABILITIES                                                               

LONG-TERM LIABILITIES        7.353.558   2.478.732   2.443.027   2.047.393

Long-term liabilities                                            2.047.393

Long-term financial          6.671.914   1.939.903   2.396.742   1.984.314

liabilities                                                               

Long-term operating            206.530      63.715      46.285      63.079

liabilities                                                                

Deferred liabilities for       475.114     475.114           0           0

taxes                                                                     

>SHORT-TERM LIABILITIES    >23.450.604 >14.835.877 >20.344.942 >26.074.058

Liabilities, included in             0           0           0           0

groups for estrange                                                       

Short-term financial        12.535.961   7.749.718  10.036.718  10.785.598

liabilities                                                               

Short-term operating        10.914.643   7.086.159  10.308.224  15.288.460

liabilities                                                               

SHORT-TERM ACCRUED COSTS     2.240.973   6.639.795   7.100.317   3.725.814

AND DEFERRED REVENUES                                                     

Off-balance sheet items     19.685.803  15.068.022  10.394.511  10.297.266

 

A. The enclosed profit and loss account of 2011 is originated from official    

source, it is not authenticated by the auditor. (31.12.2011 - 1 EUR)           

 

B. The enclosed profit and loss account of 2010 is originated from official    

source, it is not authenticated by the auditor. (31.12.2010 - 1 EUR)           

 

C. The enclosed profit and loss account of 2009 is originated from official    

source, it is authenticated by the auditor . (31.12.2009 - 1 EUR)              

 

D. The enclosed profit and loss account of 2008 is originated from official    

source, it is authenticated by the auditor . (31.12.2008 - 1 EUR)              

 

 

profit and loss account              A           B           C           D

                            31.12.2011  31.12.2010  31.12.2009  31.12.2008

>CAPITAL                                           >12.736.008            

>Net sales                 >46.737.532 >39.447.208 >46.288.980 >43.842.878

>Changes in the value of      >-56.964   >-532.145   >-615.913    >172.977

inventories of products                                                    

and work-in-process                                                       

>Capitalised own products     >383.475          >0          >0          >0

and own services                                                           

>Other operating revenues     >736.061     >27.817        >446    >152.331

(with subventions,                                                        

grants,...)                                                               

>GROSS OPERATING YIELD     >47.800.104 >38.942.880 >45.673.513            

>Cost of goods, material   >32.519.540 >25.871.298 >31.932.857 >31.876.494

and services                                                              

Purchase value of goods     15.473.304  11.591.868  13.872.748  12.027.520

and materials sold and                                                    

cost of material and cost                                                 

of material used                                                          

Cost of services            17.046.236  14.279.430  18.060.109  19.848.974

>Labour cost               >11.184.070  >9.765.312 >10.004.303  >9.473.125

thereof wages                                                    7.043.533

Cost of wages                8.189.648   7.196.035   7.434.301   7.043.533

Cost of pension insurance      820.662     758.705     771.693   1.296.408

Cost of other social           658.701     564.352     560.328     112.775

insurance                                                                  

Other labour cost            1.515.059   1.246.220   1.237.981   1.020.409

>Write-offs                 >2.377.659  >1.576.810  >1.650.555  >1.245.570

Depreciation                 1.509.480     940.782     940.549     981.814

Revaluation operating            8.765         383         742         411

expenses for non-tangible                                                 

assets and tangible fixed                                                 

assets                                                                     

Revaluation operating          859.414     635.645     709.264     263.345

expenses for current                                                      

assets                                                                     

Other operating expenses       534.194     620.972     365.815     401.246

OPERATING REVENUES          47.857.068  39.475.025  46.289.426  44.168.186

>OPERATING EXPENSES        >46.615.463 >37.834.392 >43.953.530 >42.996.435

>OPERATING RESULT           >1.241.605  >1.640.633  >2.335.896            

>EBIT                       >1.184.641  >1.108.488  >1.719.983  >1.171.751

Financial income from           16.710      15.131       8.279     174.113

investments in other                                                       

enterprises                                                               

Financial income from          173.001      37.648      63.392      75.356

loans                                                                      

Financial income from          364.875     147.230     139.837     293.599

operating receivables                                                     

Financial expenses from              0           0           0           0

depreciation and write-                                                   

offs of financial                                                         

investments                                                               

Financial expenses from        953.289     605.747     691.767     706.644

financial liabilities                                                     

Financial expenses from        151.586     203.540     178.916     229.897

operating liabilities                                                     

Financial income               554.586     200.009     211.508     543.068

Financial expenses           1.104.875     809.287     870.683     936.541

Other revenues                 237.789      36.014     180.798      28.741

Other expenses                  96.979         513       2.180       1.877

Total revenues              48.592.479  39.178.903  46.065.819  44.739.995

>Total costs               >47.817.317 >38.644.192 >44.826.393 >43.934.853

Total business result          775.162     534.711   1.239.426     805.142

>Tax on profit                      >0          >0          >0          >0

Deferred taxes                        0     -99.182           0           0

Net business result for        775.162     633.893   1.239.426     805.142

the accounting period                                                     

                                                               

Ratios                                     2008    2009    2010    2011

                Equity ratio               0,16    0,18    0,21    0,22

                Cleared equity ratio       0,11    0,13    0,17    0,19

                Current liquidity          1,24    1,45     1,7    1,39

                Quick liquidity            0,92    1,13    1,35    1,03

                Working capital         6193426 9220858 10380895 9088510

                Gearing                    6,35    5,65    4,76    4,61

                Cleared gearing            2,77    2,31    1,66     2,1

                Profitability               1,8    2,69    1,36     1,6

                Operating profitability     1,8    2,69    1,62     1,6

                Stock days                67,69   52,78    48,5    63,7

                Debtor days                 158     148     133     125

                Supplier days               125   81,68   66,02   81,98

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.77

UK Pound

1

Rs.83.31

Euro

1

Rs.70.46

 

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

----

 

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.