MIRA INFORM REPORT

 

 

Report Date :

31.05.2013

 

IDENTIFICATION DETAILS

 

Name :

LABORATORIO SANDERSON S.A.

 

 

Registered Office :

Carlos Fernández 244 - San Joaquín Santiago XIII Region Metropolitana

 

 

Country :

Chile

 

 

Financials (as on) :

31.12.2010       

 

 

Date of Incorporation :

02.10.1950

 

 

Legal Form :

Private Stock Company

 

 

Line of Business :

Laboratory of pharmaceutical products, injectable products, parenteral solutions, sterile liquids for dialysis  (small and large volume)

 

 

No. of Employees :

600

 

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

 

Maximum Credit Limit:

1.833.000 US$ Dollars.

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)

Chile

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

CHILE - ECONOMIC OVERVIEW

 

Chile has a market-oriented economy characterized by a high level of foreign trade and a reputation for strong financial institutions and sound policy that have given it the strongest sovereign bond rating in South America. Exports account for approximately one-third of GDP, with commodities making up some three-quarters of total exports. Copper alone provides 19% of government revenue. From 2003 through 2012, real growth averaged almost 5% per year, despite the slight contraction in 2009 that resulted from the global financial crisis. Chile deepened its longstanding commitment to trade liberalization with the signing of a free trade agreement with the US, which took effect on 1 January 2004. Chile has 22 trade agreements covering 60 countries including agreements with the European Union, Mercosur, China, India, South Korea, and Mexico. Chile has joined the United States and nine other countries in negotiating the Trans-Pacific-Partnership trade agreement. In 2012, foreign direct investment inflows reached $28.2 billion, an increase of 63% over the previous record set in 2011. The Chilean Government has generally followed a countercyclical fiscal policy, accumulating surpluses in sovereign wealth funds during periods of high copper prices and economic growth, and generally allowing deficit spending only during periods of low copper prices and growth. As of 31 December 2012, those sovereign wealth funds - kept mostly outside the country and separate from Central Bank reserves - amounted to more than $20.9 billion. Chile used these funds to finance fiscal stimulus packages during the 2009 economic downturn. In May 2010 Chile signed the OECD Convention, becoming the first South American country to join the OECD.

Source : CIA


IDENTIFICATION           

LABORATORIO SANDERSON S.A.
Carlos Fernández 244 - San Joaquín
Santiago
XIII Region Metropolitana
CHILE

Telephone    : 56-2-24627000
Fax               : 56-2-25516553

E_Mail         : joseluis.galaz@fresenius-kabi.com
Web Site     : www.sanderson.cl
Postal Code  : 8940575


SUMMARY

Started                         : 1950
Total Employees            : 600
Payments                     : Prompt
Financial Sit.                  : Normal
Economic Sit.                : Regular
Sales                            : 000's$     38.758.536.-
Net worth                      : 000's$     12.970.859.-
Current profit                 : 000's$       -766.035.-
Capital                         : 000's$      6.000.000.-

Sic(s) : 8071

Line of Business: Laboratory of pharmaceutical products. Manufacturing of sterile liquids.-

EVALUATION

Interpretation at the end of the report.

Credit Recommendation

                         000's Pesos   000's US$ dollars         000's Euros
Conservative value :         780.000               1.667               1.255
Liberal value      :         858.000               1.833               1.380

If additional information is received or present information is rectified, this
recommendation may be modified.

Payment Scoring = [ 100 ]

Financial indicators

According to last financial statement, subject shows a normal financial
situation, as indicated in:

** Acceptable Working Capital
** Good Current Liquidity Ratio
** Good Acid Test Ratio

Economic situation is regular, as reflected in:

** Acceptable Current Indebtedness Ratio
** Very High Total Indebtedness Ratio
** Good Solvency Ratio

** Negative Profitability Over Sales Ratio
** Negative Profitability Over Assets Ratio
** Negative Profitability Over Net Worth Ratio


COMMERCIAL INFORMATION

Commercial Bulletin      : subject does not register protested
                           checks, bank drafts nor promissory notes in the
                           commercial information bulletin

Labor Bulletin           : does not register work infringements

Previsional Bulletin     : does not register social security
                           infringements

Consolidated delinquency :subject does not register any
                           delinquent bill


TRADE REFERENCES

Suppliers' trade references are supplied as follows:

Detail of References

Old            : Since 1995
Last purchase  : 04-2013
Terms          : 90 days
Payment        : Prompt
Notes          : current account
Credit         : (000'sUS$) 200.000
Owes           : -
Due            : Does not Register
Paying Comments: Good
Purchase Aver. : (Monthly 000's$) 60.000

Old            : Since 1990
Last purchase  : 04-2013
Terms          : cash
Payment        : Prompt
Notes          : checks
Credit         : -
Owes           : Does not Register
Due            : Does not Register
Paying Comments: Good

Old            : Since 2003
Last purchase  : 04-2013
Terms          : 30 days
Payment        : Prompt
Notes          : invoice
Credit         : (000'sUS$) 12.000
Owes           : -
Due            : Does not Register
Paying Comments: Good
Purchase Aver. : (Monthly 000's$) 2.800

Excellent customer according to suppliers

Detail of Former Trade References
--------------------------------------------------------------------------------
           Last                                           Credit            Owes
Old        Purch. Payment.    Notes                     (000'sUS$)        (000'sUS$)
--------------------------------------------------------------------------------
Since 1995 12-11  Prompt      current account            200.000               -
Since 2003 12-11  Prompt      invoice                     12.000               -
Since 1990 12-11  Prompt      cash                             -            None
Since 1990 05-11  Prompt      invoice                          -            None
Since 2002 05-11  Prompt      invoice                       Open               -
Since 2003 05-11  Prompt      invoice                     12.000           3.000
Since 1995 06-11  Slow        current account            200.000          25.000
Since 1986        Prompt      invoice                       Open            None
Since 2002 04-10  Prompt      invoice                       Open            None
Since 2002 04-10  Prompt      invoice                       Open            None
Since 2002 04-10  Prompt      invoice                       Open            None
Since 2003 04-10  Prompt      invoice                       Open            None
Since 1995 04-10  Slow        current account            200.000            None
Since 1986 03-10  Prompt      invoice                       Open            None
Since 1991 04-10  Prompt      current account               Open            None
Since 1998 03-10  Prompt      invoice                       Open            None
Since 2002 04-10  Prompt      invoice                       Open            None
Since 2002 06-09  Prompt      invoice                       Open            None
Since 1998 06-09  Prompt      invoice                       Open            None
Since 1991 06-09  Prompt      current account               Open            None
Since 1986 05-09  Prompt      invoice                       Open            None
Since 1995 06-09  Slow        current account            200.000            None
Since 2002 07-09  Prompt      invoice                       Open            None
Since 1986 08-08  Prompt      invoice                       Open            None
Since 2002 09-08  Prompt      invoice                       Open               -
Since 1991 09-08  Prompt      current account               Open            None
Since 1995        Slow        current account            200.000            None
13 years   04-08  Slow        current account            200.000         125.000
30 years   04-08  Slow        invoice                    370.000            None
7 years    04-08  Prompt      attached check                Open            None
Since 1991 04-08  Prompt      current account               Open            None
Since 1986 04-08  Prompt      invoice                       Open            None
Since 2002 04-07  Prompt      invoice                       Open               -
Since 1986 11-06  Prompt      invoice                       Open            None
30 years   04-07  Slow        invoice                    370.000               -
13 years   04-07  Slow        current account            200.000         125.000
Since 1991 04-07  Prompt      current account               Open               -
15 years   04-06  Prompt      current account               Open         180.000
30 years   04-06  Prompt      invoice                    370.000               -
20 years   04-06  Prompt      invoice                       Open               -
5 years    04-06  Prompt      invoice                          -               -
5 years    07-05  Prompt      invoice                          -               -
20 years   05-05  Prompt      invoice                       Open               -
30 years   06-05  Prompt      invoice                       Open               -
10 years   07-05  Prompt      current account               Open          35.000
10 years   03-03  Prompt      invoice                       Open          50.000
30 years   03-04  Prompt      invoice                       Open         300.000

During the last 6 months, the account holder credit history shows 91 credit
review inquiries requested by financial institutions, industries, laboratories,
hardware stores, security and insurance companies.

The account holder credit report reflects no delinquent payment history, no

protests, and no social security and/or work infringements as of the date of

this report.

AVERAGE PAYMENTS IN CHILE

International Risk and Payment Review reported in June 2011

The local delays in payment average 0-1 month.




FINANCIAL INFORMATION

                     C O M P A R A T I V E  -  S U M M A R Y
                  ( Figures in Thousand Pesos, local currency )

                                              From  01/01/2010        01/01/2009
                                                To  31/12/2010        31/12/2009

CURRENT ASSETS                                      24.266.420        17.586.629
CURRENT LIABILITIES                                 15.988.455        13.144.074
WORKING CAPITAL                                      8.277.965         4.442.555
FIXED ASSETS                                        15.291.725        21.400.008
OTHER ASSETS                                         7.791.390         1.283.704
LONG TERM LIABILITIES                               18.390.221        13.117.329
NET WORTH                                           12.970.859        14.008.938
OPERATING INCOMES                                   38.758.536        19.573.461
CURRENT PROFIT(LOSS)                                  -766.035          -527.158

                            B A L A N C E  S H E E T
                         INDIVIDUAL FISCAL YEAR COMPLETE

ASSETS                                              31/12/2010        31/12/2009
Cash                                                   425.875           941.730
Term Deposits                                          540.000                 0
Sales Debtors                                       13.106.115         9.971.461
Notes Receivable                                        47.497           100.704
Sundry Debtors                                          17.880                 0
Inventory                                            7.147.646         4.368.435
Taxes Recoverable                                    1.627.378         1.438.967
Pre-Paid Expenses                                       60.469                 0
Deferred Taxes                                       1.293.560                 0
Other Current Assets                                         0           765.332
CURRENT ASSETS                                      24.266.420        17.586.629

Land                                                 2.425.551         2.425.552
Contructions & Infrastructure Works                 11.966.887         7.538.120
Machineries & Equipments                            18.116.279        15.879.471
Other Fixed Assets                                           0         4.901.364
Depreciations                                      -17.216.992        -9.344.499
FIXED ASSETS                                        15.291.725        21.400.008

Investments in Related Companies                       527.036           785.808
Investments in Other Partnerships                      735.040                 0
Notes & Accts Receivable Related Comp.                       0           127.932
Intangibles                                            321.023           321.019
Amortization                                          -281.185                 0
Other                                                6.489.476            48.945
OTHER ASSETS                                         7.791.390         1.283.704

TOTAL ASSETS                                        47.349.535        40.270.341

LIABILITIES                                         31/12/2010        31/12/2009
Oblig.With Banks & Financ.Inst.Short Term            6.935.737         8.920.570
Obligation With Publics (Trade Effects)                944.834                 0
Dividends Payable                                            0            21.804
Accounts Payable                                       994.051                 0
Notes Payable                                          229.365                 0
Sundry Creditors                                     6.006.597         1.731.661
Notes & Accts Payable Related Companies                      0           397.747
Provisions                                             413.928         1.750.000
Withholdings                                           293.095                 0
Income Tax                                              71.396                 0
Other Current Liabilities                               99.452           322.292
CURRENT LIABILITIES                                 15.988.455        13.144.074

Oblig.with Banks & Financial Intitutions            15.764.637        13.022.302
Sundry Creditors                                     2.625.584                 0
Provisions                                                   0            80.532
Other Long Term Liabilities                                  0            14.495
LONG TERM LIABILITIES                               18.390.221        13.117.329

Paid Capital                                         8.169.591         7.678.982
Reserve Capital Revaluaton                           5.523.355         5.272.299
Reserve Future Dividends                                23.222                 0
Accumulated Profits                                     20.726         1.584.815
Current Profit (Losses)                               -766.035          -527.158
NET WORTH                                           12.970.859        14.008.938

TOTAL LIABILITIES                                   47.349.535        40.270.341

STATEMENTS OF RESULTS                               31/12/2010        31/12/2009
Operating  Income                                   38.758.536        19.573.461
Operating Cost                                     -27.241.342       -14.069.173
OPERATING MARGIN                                    11.517.194         5.504.288

Administration & Sales Expenses                    -13.023.690        -4.345.436
OPERATING RESULT                                    -1.506.496         1.158.852

Financial Incomes                                    1.249.906               992
Other non Operating Incomes                                  0           390.410
Financial Expenses                                    -706.288          -737.641
Other non Operating Expenses                        -1.272.852          -442.401
Monetary Correction                                    160.199          -777.484
NON OPERATING RESULT                                  -569.035        -1.566.124

Result Before Income Tax                            -2.075.531          -407.272
Income Tax                                           1.309.496          -119.886
NET PROFIT(LOSS)                                      -766.035          -527.158

CURRENT PROFIT(LOSS)                                  -766.035          -527.158

                         

  ECONOMIC - FINANCIAL RATIOS

                                        31/12/2010     31/12/2009        Average
Working Capital            (000's$)      8.277.965      4.442.555      6.360.260
Current Liquidity           (Times)           1,52           1,34           1,43
Acid Test                   (Times)           1,07           1,01           1,04
Collection Period Days      ( Days)         122,34         185,25         153,80
Accounts Receivable Turnover(Times)           2,94           1,94           2,44
Inventory Turnover          (Times)           3,81           3,22           3,52
Current Indebtedness        (Times)           1,23           0,94           1,09
Total Indebtedness          (Times)           2,65           1,87           2,26
Solvency                    (Times)           1,38           1,53           1,46
Assets Tying Up             (  %  )          32,30          53,14          42,72
Profitability Over Sales    (  %  )          -1,98          -2,69          -2,34
Profitability Over Assets   (  %  )          -1,62          -1,31          -1,47
Profitability Over Net Worth(  %  )          -5,58          -3,63          -4,61

BANKS

Subject operates with the following banks:

-  Banco Bice, main office Teatinos 220, Santiago
-  Banco Santander Chile, main office Bandera 140, Santiago
-  Corpbanca, main office


OPERATIONS 

Line of Business : Laboratory of pharmaceutical products, injectable products,
                   parenteral solutions, sterile liquids for dialysis  (small
                   and large volume).-

                   With certification ISO: 2000 granted by certifier BVQI.

Classification according to commercial activity:

Sic: 8071-0000 Medical laboratory

Commercializes:

- Gore-Tex

Subject is considered as a large company in this line of business, normal
competition

Sales

Sales are steady throughout the year

100% wholesalers

National and international sales territory

Products are sold

National: 55%.

Sales conditions: Cash and credit. through special agreement.

International: 45%.

Sales conditions: Cash and credit. through special agreement.

Exports to Germany, Bolivia, Brazil, Cameroon, China, Colombia, Costa Rica,
Cuba, Denmark, Ecuador, Netherlands, India, Panama, Paraguay, Peru, Dominican
Republic, United States, Uruguay, Venezuela and Vietnam.

of Exports obtained from Customs'National Service

Country                            %last year   %Accum.
-------------------------------------------------------
Venezuela                               33,47      9,13
Ecuador                                 14,70     23,38
Costa Rica                              13,74      5,87
Paraguay                                 9,17      5,82
Colombia                                 8,72     13,10
Peru                                     6,47     17,34
Netherlands                              5,03      5,92
Cuba                                     2,09      7,96
Brazil                                   1,70      3,12
Germany                                  1,39      0,00
Panama                                   1,29      0,50
Dominican Republic                       0,96      3,09
Uruguay                                  0,56      1,59
India                                    0,24      0,68
Cameroon                                 0,21      1,60
Bolivia                                  0,10      0,65
Vietnam                                  0,08      0,00
China                                    0,07      0,00
United States                            0,01      0,17
Denmark                                  0,01      0,00

Historical registries

Total       2012 = 000's$ 8.310.706                      Accumulated 2013 = 000's$ 1.685.603
Total       2010 = 000's$ 6.186.249
Total       2009 = 000's$ 5.651.494
Total       2008 = 000's$ 6.291.478
Total       2007 = 000's$ 4.456.187
Total       2006 = 000's$ 3.814.646
Total       2005 = 000's$ 3.961.896
Total       2004 = 000's$ 3.660.968

Customers

Main customers are: Private hospitals,  hospitals,  medical centers among other

The 10 most important customers are:

Clinica Davila y Servicios Medicos S.A.,  Clinica Alemana de Santiago S.A.,
Clinica Las Condes S.A.,  Ejercito de Chile Hospital Militar de Santiago,
Hospital Clinico de la Fuerza Aerea General Dr. Raul Yazigi Jauregui,  Hospital
Clinico de la Universidad de Chile Dr. Jose Joaquin Aguirre,  Fondo Hospital de
la Direccion de Prevision de Carabineros de Chile,  Clinica Universidad Catolica
S.A. and  Clinica Santa Maria S.A.

Purchases

Domestic and international purchases

National: 5%

International: 95%

Imports from Germany, Argentina, Austria, Bolivia, Brazil, China, Colombia,
Denmark, Spain, France, Netherlands, India, Indonesia, England, Israel, Italy,
Japan, Mexico, New Zealand, Peru, Poland, Czech Republic, Switzerland, Taiwan
and United States

of Imports obtained from Customs'National Service

Country                            %last year   %Accum.
-------------------------------------------------------
China                                   31,56     30,08
United States                           19,87     18,19
Germany                                 19,74     19,73
Mexico                                   5,71     12,52
Brazil                                   5,49      0,00
New Zealand                              3,77      1,67
Colombia                                 3,22      0,00
England                                  2,56      1,97
India                                    1,97      2,69
Czech Republic                           1,54      0,29
Italy                                    1,16      6,69
France                                   1,13      0,73
Switzerland                              0,56      2,59
Argentina                                0,53      2,04
Poland                                   0,51      0,00
Denmark                                  0,29      0,35
Peru                                     0,10      0,00
Israel                                   0,07      0,00
Austria                                  0,07      0,12
Netherlands                              0,05      0,00
Japan                                    0,04      0,00
Spain                                    0,01      0,25
Taiwan                                   0,01      0,00
Bolivia                                  0,01      0,00
Indonesia                                0,00      0,00

Historical registries

Total       2012 = 000's$ 5.972.467                      Accumulated 2013 = 000's$ 1.244.970
Total       2010 = 000's$ 7.352.723
Total       2009 = 000's$ 5.176.642
Total       2008 = 000's$ 5.641.918
Total       2007 = 000's$ 1.431.516
Total       2006 = 000's$ 1.803.215
Total       2005 = 000's$ 5.880.335
Total       2004 = 000's$ 2.711.307


Main suppliers 

- Agencia de Aduana Ricardo Fuenzalida Polanco y Cia. Ltda.
- Agencia de Representaciones Limitada
- Comercial Biggi (Chile) S.A.
- Cristalerias Toro SpA
- Favina Fabrica de Vidrios Maule Limitada
- General Electric de Chile S.A.
- Impresos y Cartonajes S.A.
- Plasticos España S.A.
- Sociedad de Productos Autoadhesivos Adhesol Ltda.

Employees: 600 employees

Location

-  Plant and administration offices are located at Carlos Fernández 244 San
   Joaquín Santiago, Chile, industrial area, street of normal traffic,
   construction in good conditions

Branches 

Subject does not have any branch


RELATED COMPANIES 

Subject is related to the following companies:

National

-  Distribuidora y Drogueria Sanderson Ltda. (Inactive)
-  Tecnologia Industrial Medica Ltda. (Inactive)
-  Fresenius Kabi Chile Limitada T A X 77478120-K San Joaquín Santiago (This
   company is owner of 99,9% of Inversiones F K Chile Ltda)
-  Alimentos Dieteticos y Lacteos S.A. (Inactive)

International

-  Laboratorio Sanderson S.A, Peru It acts as an affiliate company.

FIXED ASSETS

Real estates 

Subject registers real estates

-  Carlos Fernández 244 San Joaquín Santiago-Chile, Fiscal value of 000's$
   2.058.381.-, rol Nº 205-14
-  Industry. Carlos Fernández 249 San Joaquín Santiago-Chile, Fiscal value of
   000's$ 134.592.-, rol Nº 105-22

Total fiscal appraisal  $2.192.972.868.-

Vehicles 

Owns vehicles for the company's use

2 vans Kia(2002 and 2005).

Machinery & Instalations 

Own equipment

-  Packers , tablet machines , sealers , labeling machines  and other necessary
   elements .

INSURANCES 

Insurance Company:

-Mapfre Cia. de Seguros Generales de Chile S.A.

Due              : Unspecified due dates
In force         : Annual
Risks            : Total cover.
Objetive         : All assets.


BOARD OF DIRECTORS

President                : Marc Cruton
Director                 : Mariano Ojeda Martínez
Director                 : Alain Mollard
Director                 : Martín Sebaux
Director                 : América Adriana Segura Torres TAX:22157411-7


ADMINISTRATION

Director & General       : Mariano Ojeda Martínez
Manager
Director & Manager       : América Adriana Segura Torres TAX:22157411-7
Finances
Commercial Manager       : Pedro Pablo Echeverría Bascuñán TAX:5319954-2
Treasury Manager         : José Luis Galaz
Operations Manager       : Norberto Leandro
General accountant       : Marcela Berríos Ochoa


LEGAL INFORMATION

Legal Structure      : Private Stock Company
Constitution date    : 02/10/1950. Registered on leaf 4.507 N°2.809 Santiago
                       Trade Register and authorized by Executive decree N°9.340
                       in the year 1950.
Notary               : Luis Azócar A., Santiago
Term of duration     : Indefinite
Legal Address        : Santiago - Chile
Published in         : Official Gazette dated 01/12/1950

Current Social Capital: 000's$ 6.000.000.-Divided to 10.000.000.- registered
                        shares unique series
Social Initial Capital: 000's$ 100.000.-

Shareholder : 2

-  95,38% Inversiones F K Chile Ltda.
-   4,62% Other Shareholders

Power of attorney held by Director & General Manager.

Legal changes

Public Deed dated 30/04/1987, notary Carlos Montero Hechepleitner, published in
the Official Gazette dated 11/08/1987 page N° 7, capital was increased: from
$100.000.000 to $500.000.000 divided into 10.000.000 registered shares of $50
each one.

Public Deed dated 25/05/1999, notary Fernando Celis Urrutia, San Joaquín
Santiago, published in the Official Gazette dated 07/06/1999 page N° 14, capital
was increased: from $500.000.000 to $6.000.000.000 divided into 10.000.000
registered and no par value shares of one series.


INFORMATION SOURCES

Miss. Marcela Berríos Ochoa, General accountant,  declined all
current financial information,  however, submitted the data shown in this
report.

Eduardo Montero belongs to Acquisitions Dept.

-Other outside information sources.

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.56.10

UK Pound

1

Rs.85.13

Euro

1

Rs.72.80

 

 

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

 

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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.