MIRA INFORM REPORT

 

 

Report Date :

07.11.2013

 

IDENTIFICATION DETAILS

 

Name :

STANDARD CHEM. & PHARM. CO., LTD.

 

 

Registered Office :

No.6-20, Tu-Ku, Tu-Ku Village, Xinying Dist., Tainan City 730

 

 

Country :

Taiwan

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

30.06.1967

 

 

Com. Reg. No.:

71122503

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and sale of pharmaceuticals

 

 

No. of Employees :

About 800 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 :

Regular

Litigation :

Clear

 

NOTES:

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

 

ECGC Country Risk Classification List – 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 4.0%. 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:

Standard Chem. & Pharm. Co., Ltd.

Supplied Name:

STANDARD CHEM AND PHARMA CO LTD.

Trading Address:

No.6-20, Tu-Ku, Tu-Ku Village, Xinying Dist., Tainan City 730, Taiwan (R.O.C.)

Supplied Address:

No. 154, Kaiyuan Road Sinying Taiwan

Telephone Number:

+886-6-636-1516

Fax Number:

+886-6-635-8715

E-mail:

info@standard.com.tw

Notes: The exact name and address are as above.

 

 

Company Identification Details

 

Registered Name:

STANDARD CHEM. & PHARM. CO., LTD.

Registered Address:

No.6-20, Tu-Ku, Tu-Ku Village, Xinying Dist., Tainan City 730, Taiwan (R.O.C.)

Date of Foundation:

1967-6-30

Registration Number:

71122503

Registry:

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

Registered Capital:

NTD 2,000,000,000 (USD 68,000,000)

(As of 2013.11, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 1,730,829,650 (USD 58,848,208)

Legal Representatives:

Jincai Fan

Legal Form:

Joint Stock Company

Principal Activities:

Manufacturing and sale of pharmaceuticals

Staff:

About 800 Employees

Listed at Stock Exchange:

Yes; Stock Symbol: 1720

Date of Last Annual Return:

2013-7-22

 

 

History

 

Subject was incorporated on 1967-6-30 with registered number 71122503 as Joint Stock Company in Taiwan.

 

Subject listed on Taiwan Stock Exchange on 1995-12-12.

 

 

Shareholders

 

Name

Subscription Shares

Jincai Fan

21,136,813       

 

Ziting Fan

 

19,520,604

 

Fan Daonan Culture and Education Foundation

4,752,881

Yuanfeng Gao

16,182

Cuiwen Ye

1,340,669

 

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

 

 

Subsidiaries & Branches

 

Factories

1

Address:

No.6-20, Tu-Ku, Tu-Ku Village, Xinying Dist., Tainan City 730, Taiwan (R.O.C.)

Date of Foundation:

1970-8-1

Date of Registration:

1970-8-1

Factory Registration Number:

99657710

Factory Manager:

Jincai Fan

Status:

In Production

Date of Last Annual Return:

2013-5-1

Major Products:

200 medicine and chemical product for medical use

2

Name:

The 2nd Factory

Address:

No.154, Kaiyuan Road, Tu-Ku Village, Xinying Dist., Tainan City 730, Taiwan (R.O.C.)

Date of Foundation:

1989-8-4

Date of Registration:

1990-6-15

Factory Registration Number:

99657734

Factory Manager:

Jincai Fan

Status:

In Production

Date of Last Annual Return:

2009-4-2

Major Products:

087 animal feed

089 other food

194 cosmetic

200 medicine and chemical product for medical use

092 non-alcoholic beverage

 

Offices

1

Name:

Taipei Office

Address:

4F. , No.158 , Songjiang Rd. , Jhongshan District , Taipei City 10459 , Taiwan

Tel:

+886-2-2523-6641

Fax:

+886-2-2521-6352

2

Name:

Taichung Office

Address:

3F. , No.2-143 , Wucyuan Rd. , West District , Taichung City 40355 , Taiwan

Tel:

+886-4-2372-8785

Fax:

+886-4-2372-6286

3

Name:

Kaohsiung Office

Address:

3F. -1 , No.185 , Fuguo Rd. , Zuoying District , Kaohsiung City 81358 , Taiwan

Tel:

+886-7-557-5357

Fax:

+886-7-557-6341

 

 

Personnel Information

 

Core Management

 

Directors

1

Name

Jincai Fan

Position

Board Chairman

2

Name

Ziting Fan

Position

Director/ Manager

Date of Appointment

2008-7-1

3

Name

Fan Daonan Culture and Education Foundation

Position

Director

4

Name

Yuande Li

Position

Director

5

Name

Zhenming Xiao

Position

Director

6

Name

Yuanfeng Gao

Position

Supervisor

7

Name

Cuiwen Ye

Position

Supervisor

 

Personnel Structure

 

Total Employees

About 800 Employees

 

 

Operation Information

 

Offices & Factories

 

 

Headquarters

Add

No.6-20, Tu-Ku, Tu-Ku Village, Xinying Dist., Tainan City 730, Taiwan (R.O.C.)

 

Production Information

 

Subject is engaged in manufacturing of pharmaceuticals, etc.

Subject has factories in Tainan City, Taiwan for production.

It is introduced that subject can provide health food’s OEM and ODM services.

Subject obtained the certifications of ISO 9001, ISO14001, OHSAS 18001GMP and FDA, etc.

 

Purchase Information

 

The registered activities of subject:

Business Code

Details

C110010

Manufacturing of beverage

F102040

Wholesale of beverage

C199990

Manufacturing of other unclassified food

F102170

Wholesale of food and grocery

F203010

Retail of food and beverage

C201010

Manufacturing of feed

F103010

Wholesale of feed

F202010

Retail of feed

C801110

Manufacturing of fertilizer

F107050

Wholesale of fertilizer

F207050

Retail of fertilizer

C802041

Manufacturing of western medicine

F108021

Wholesale of western medicine

F208021

Retail of western medicine

C802051

Manufacturing of traditional Chinese medicine

F108011

Wholesale of traditional Chinese medicine

F208011

Retail of traditional Chinese medicine

C802100

Manufacturing of cosmetic

F108040

Wholesale of cosmetic

F208040

Retail of cosmetic

CE01010

Manufacturing of general instrument

CF01011

Manufacturing of medical equipment

F108031

Wholesale of medical equipment

F208031

Retail of medical equipment

C802060

Manufacturing of animal medicine

F107070

Wholesale of animal medicine

F207070

Retail of animal medicine

F401010

International trade business

H701040

Developing of specialization region

H701060

Developing of new town and new community

I103060

Management consulting business

ZZ99999

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

 

The raw materials for production are purchased from both home and abroad such as Taiwan domestic market, Japan and Europe, etc.

 

Sales Information

 

Subject is engaged in sale of pharmaceuticals, etc.

The major products sold by subject include veterinary additives, health tea bags, yogurt, traditional Chinese medicines, concentrated Chinese medicines, pregnancy kit and control substances, etc.

Subject’s sales regions include Taiwan, Mainland China, Japan, South Korea, Europe and USA, etc.

Subject’s major customers are hospital, clinic, healthcare centre, and pharmacy, etc.

 

Import and export right:

Import right

Yes

Export right

Yes

 

 

Settlements

 

Purchase

 

Domestic Purchase

Product

Terms

Proportion

Raw materials, etc

Cash, T/T, etc

100%

 

Foreign Purchase

Product

Terms

Proportion

Raw materials, etc

T/T, L/C, etc

100%

 

Sales

 

Domestic Markets

Product

Terms

Proportion

Pharmaceuticals, etc

Cash, T/T, etc

100%

 

Export

Product

Terms

Proportion

Pharmaceuticals, etc

T/T, L/C, etc

100%

 

 

Balance Sheet

 

Unit: NTD/000

 

2012-12-31

2011-12-31

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

235,180.00

228,438.00

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

11,480.00

10,934.00

Notes receivable - net

300,724.00

269,863.00

Accounts receivable - net

378,986.00

413,924.00

Other receivables

4,169.00

5,340.00

Other receivables - related parties

88,058.00

19.00

Inventories

411,606.00

394,082.00

Other prepayments

55,914.00

50,672.00

Long-term investment in stock classified as held for sale

0.00

119,724.00

Other current assets

12,258.00

10,934.00

Current assets

1,498,375.00

1,503,930.00

Funds and Investments

 

 

Available-for-sale financial assets - non current

97,344.00

80,923.00

Financial assets carried at cost - non current

64,126.00

64,126.00

Equity investments under equity method

1,199,703.00

1,120,995.00

Investments

1,199,703.00

1,120,995.00

Funds and long-term investments

1,361,173.00

1,266,044.00

Fixed Assets

 

 

Cost

 

 

Land

119,262.00

123,306.00

Buildings and structures

579,082.00

585,234.00

Machinery and equipment

568,489.00

542,948.00

Utilities equipment

153,246.00

153,927.00

Other facilities

771,307.00

688,642.00

Revaluation increment

171,334.00

187,328.00

Cost and revaluation increment

2,362,720.00

2,281,385.00

Accumulated depreciation

-1,011,307.00

-941,779.00

Construction in process and prepayment for equipments

18,797.00

92,013.00

Fixed assets

1,370,210.00

1,431,619.00

Intangible Assets

 

 

Computer software cost

13,379.00

5,469.00

Intangible assets

13,379.00

5,469.00

OtherAssets

 

 

Rental assets

58,742.00

34,872.00

Guarantee deposits paid

6,225.00

7,862.00

Deferred charges

6,681.00

11,172.00

Deferred income tax assets - non current

28,219.00

22,723.00

Other assets

99,867.00

76,629.00

Assets

4,343,004.00

4,283,691.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowings

150,000.00

270,000.00

Short-term notes and bills payable

70,000.00

50,000.00

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

249.00

7,353.00

Notes payable

172,294.00

148,356.00

Notes payable - related parties

21,201.00

14,449.00

Accounts payable

64,735.00

118,651.00

Income tax payable

29,076.00

8,178.00

Accrued expenses

134,908.00

123,374.00

Other payables

52,847.00

44,699.00

Advance receipts

41,047.00

47,660.00

Long-term liabilities - current portion

240,897.00

231,843.00

Current liabilities

977,254.00

1,064,563.00

Long term Liabilities

 

 

Long-term borrowings

10,000.00

0.00

Long-term liabilities

10,000.00

0.00

Reserves

 

 

Reserve for land revaluation increment tax

61,992.00

61,992.00

Reserves

61,992.00

61,992.00

Other Liabilities

 

 

Pension reserve / accrued pension liability

284,609.00

251,469.00

Guarantee deposits received

757.00

193.00

Other liabilities - other

3,436.00

3,436.00

Other liabilities

288,802.00

255,098.00

Liabilities

1,338,048.00

1,381,653.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

1,684,229.00

1,684,190.00

Capital Surplus

 

 

Capital surplus - additional paid-in capital

226,365.00

226,295.00

Capital surplus - stock option

41,836.00

41,852.00

Capital surplus

268,201.00

268,147.00

Retained Earnings

 

 

Legal reserve

385,385.00

360,710.00

Unappropriated retained earnings

552,855.00

474,523.00

Retained earnings

938,240.00

835,233.00

Stockholders' Equity and Other adjustment

 

 

Cumulative translation adjustments

-9,976.00

-2,381.00

Net loss not recognized as pension cost

-86,695.00

-77,473.00

Unrealized gains (losses) on financial instruments

64,125.00

47,490.00

Unrealized Revaluation Increment

146,832.00

146,832.00

 

0.00

0.00

Equity adjustments

114,286.00

114,468.00

Stockholders - equity

3,004,956.00

(USD 102,168,504.00)

2,902,038.00

(USD 98,669,292.00)

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

0.00

0.00

 

0.00

0.00

(As of 2013.11, 1 NTD = 0.0340 USD)

 

 

Profit and Loss Account

 

Unit: NTD/000

 

2012

2011

Sales

2,568,196.00

(USD 87,318,664.00)

2,507,571.00

(USD 85,257,414.00)

Sales returns

17,064.00

19,626.00

Sales discounts and allowances

352,395.00

401,792.00

Sales

2,198,737.00

2,086,153.00

Operating income

2,198,737.00

2,086,153.00

Cost of sales

1,294,606.00

1,244,410.00

Operating costs

1,294,606.00

1,244,410.00

Gross profit (loss) from operations

904,131.00

841,743.00

Selling expense

377,904.00

368,141.00

General and administrative expenses

149,140.00

124,731.00

Research and development expenses

172,489.00

133,875.00

Operating expenses

699,533.00

626,747.00

Operating income (loss)

204,598.00

214,996.00

Non-Operating Income

 

 

Interest income

590.00

251.00

Income from long-term equity investments under the equity method

27,553.00

31,872.00

Dividends

4,806.00

8,875.00

Investment income

32,359.00

40,747.00

Gains on disposal of fixed assets

48.00

297.00

Gains on sale of investments

32,624.00

11,525.00

Foreign exchange gains

0.00

7,457.00

Rent income

2,401.00

1,939.00

Revaluation gain on financial assets

546.00

0.00

Revaluation gain on financial liabilities

7,104.00

0.00

Miscellaneous income

52,570.00

29,999.00

Non-operating revenues and gains

128,242.00

92,215.00

Non-Operating Expenses

 

 

Interest expense

10,180.00

9,839.00

Loss on disposal of fixed assets

386.00

3,078.00

Foreign exchange losses

10,062.00

0.00

Revaluation loss on financial assets

0.00

184.00

Revaluation loss on financial liabilities

0.00

5,261.00

Miscellaneous disbursements

222.00

2,975.00

Non-operating expenses and losses

20,850.00

21,337.00

Income from continuing operations before income tax

311,990.00

285,874.00

Income tax expense (benefit)

40,564.00

39,126.00

Income from continuing operations

271,426.00

246,748.00

Net income (loss)

271,426.00

(USD 9,228,484.00)

246,748.00

(USD 8,389,432.00)

Primary Earnings per Share

 

 

Income (loss) from continuing operations

1.61

1.47

Primary earnings per share

1.61

1.47

Diluted earnings per share

 

 

Income (loss) from continuing operations

1.57

1.41

Diluted earnings per share

1.57

1.41

(As of 2013.11, 1 NTD = 0.0340 USD)

 

 

Cash Flows

 

Unit: NTD/000

 

2012

2011

Cash Flows from Operating Activities - Indirect Method

 

 

Net Income (Loss)

271,426.00

246,748.00

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

 

 

Depreciation Expense

101,821.00

96,464.00

Amortization Expense

12,611.00

12,398.00

Provision (Reversal of Provision) for Bad Debts Losses

-612.00

-404.00

Share-based Compensation

0.00

0.00

Amortization of Discounts (Premiums) on Bonds Payable

9,147.00

9,149.00

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

6,420.00

706.00

Investment Loss (Income) Recognized under Equity Method

-27,553.00

-31,872.00

Cash Dividends Received from Investments Accounted for under Equity Method

40,234.00

29,051.00

Loss (Gain) on Disposal of Property, Plant and Equipment

338.00

2,781.00

Loss (Gain) on Disposal of Non-current Assets Classified as Held for Sale

-32,624.00

0.00

Loss (Gain) on Disposal of Investments

0.00

-11,543.00

Loss (Gain) on Disposal of Long-term Investments under Equity Method

0.00

18.00

Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

-7,270.00

5,564.00

Impairment Losses on Financial Asset

0.00

0.00

Other Adjustments to Reconcile Net Income

0.00

6,845.00

Changes in Operating Assets and Liabilities

 

 

Decrease (Increase) in Financial Assets Held for Trading

-380.00

-120.00

Decrease (Increase) in Notes Receivable

-30,861.00

440.00

Decrease (Increase) in Accounts Receivable

35,550.00

-93,203.00

Decrease (Increase) in Other Receivables

946.00

19,407.00

Decrease (Increase) in Other Receivable- Related Parties

-574.00

-19.00

Decrease (Increase) in Inventories

-23,944.00

-75,251.00

Decrease (Increase) in Other Prepayments

-5,242.00

-23,108.00

Decrease (Increase) in Deferred Tax Assets

-6,820.00

3,892.00

Decrease (Increase) in Other Operating Assets

0.00

0.00

Increase (Decrease) in Notes Payable

35,104.00

15,033.00

Increase (Decrease) in Notes Payable - Related Parties

6,752.00

-1,640.00

Increase (Decrease) in Accounts Payable

-53,916.00

55,741.00

Increase (Decrease) in Income Tax Payable

20,898.00

-22,082.00

Increase (Decrease) in Accrued Expenses

11,534.00

-1,202.00

Increase (Decrease) in Other Payables

363.00

-13,339.00

Increase (Decrease) in Receipts in Advance

-6,613.00

32,797.00

Increase (Decrease) in Accrued Pension Liabilities

23,918.00

21,855.00

Net Cash Provided by (Used in) Operating Activities

380,653.00

285,106.00

Cash Flows from Investing Activities

 

 

Acquisition of Available-for-sale Financial Assets

0.00

0.00

Proceeds from Disposal of Financial Assets Carried at Cost

0.00

25,543.00

Capital Reduction of Financial Assets Carried at Cost

225.00

0.00

Acquisition of Investments Accounted for by Equity Method

-98,770.00

-18,000.00

Proceeds from Disposal of Investments Accounted for by Equity Method

152,348.00

0.00

Purchase of Property, Plant and Equipment

-67,821.00

-223,389.00

Proceeds from Disposal of Property, Plant and Equipment

191.00

928.00

Decrease (Increase) in Refundable Deposits

1,637.00

-4,815.00

Increase in Deferred Charges

-4,292.00

-7,101.00

Decrease (Increase) in Other Receivables - Related Parties

-87,465.00

0.00

Purchase of Intangible Assets

-11,738.00

-2,957.00

Net Cash Provided by (Used in) Investing Activities

-115,685.00

-229,791.00

Cash Flows from Financing Activities

 

 

Increase (Decrease) in Short-term Loans

-120,000.00

-70,000.00

Increase (Decrease) in Short-term Notes and Bills Payable

20,000.00

50,000.00

Proceeds from Issuance of Bonds

0.00

0.00

Proceeds from Long-term Debt

10,000.00

0.00

Increase (Decrease) in Guarantee Deposits Received

564.00

-219.00

Cash Dividends Paid

-168,419.00

-78,700.00

Cash Bonus to Directors, Supervisors and Employees

-371.00

-336.00

Treasury Stock Sold to Employees

0.00

0.00

Net Cash Provided by (Used in) Financing Activities

-258,226.00

-99,255.00

Net Increase (Decrease) in Cash and Cash Equivalents

6,742.00

-43,940.00

Cash and Cash Equivalents, Beginning of year

228,438.00

272,378.00

Cash and Cash Equivalents, End of year

235,180.00

228,438.00

Supplemental Cash Flow Information

 

 

Interest Paid

1,684.00

4,058.00

Interest Paid- Excluding Capitalized Interest

1,684.00

4,058.00

Income Tax Paid

26,486.00

57,316.00

Non-cash Investing and Financing Activities

 

 

Conversion of Bonds to Common Stock

93.00

0.00

Long-term Investments at Equity Transferred to Long-term Investments Classified Held for Sale

0.00

119,724.00

Others

0.00

97,160.00

Investing Activities Affecting Both Cash and Non-cash Items

 

 

Cash Paid for Acquisition of Property, Plant and Equipment

 

 

Increase in Property, Plant and Equipment

64,811.00

219,947.00

Increase (Decrease) in Payable for Equipment Purchased

3,010.00

3,442.00

Cash Paid for Acquisition of Property, Plant and Equipment

67,821.00

223,389.00

Other Supplemental Information

 

 

Financial assets measured at amortised cost-capital deducted by returing cash

0.00

0.00

Other receivables, beginning of period

1,980.00

1,980.00

Other receivables, end of period

-1,755.00

-1,980.00

Cash received from financial assets measured at amortised cost-capital deducted by returing cash

225.00

0.00

Provision of employee profit sharing and directorates remuneration

0.00

0.00

Other payables, beginning of period

371.00

707.00

Other payables , end of period

0.00

-371.00

Employee profit sharing and directorates remuneration paid

371.00

336.00

 

 

Bankers

 

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

 

 

Public Record

 

Mortgage

 

Case Type:

Chattel Mortgage

Certificate No.:

062468

Debtor Name:

Standard Chem. & Pharm. Co., Ltd.

Document Number:

533707

Date of Registration:

1999-7-7

Date of Alteration:

--

Status:

Paid off

 

Lawsuit

 

1

Trial Number:

2011, Nanjian, 546

Date of Trial:

2011-7-4

Reason:

Payment for goods

Claimant:

Standard Chem. & Pharm. Co., Ltd.

Answering:

Ming Sheng Chronic Rehabilitation Hospital (Literal Translation)

2

Trial Number:

2011, Nanxiao, 162

Date of Trial:

2011-3-22

Reason:

Payment for goods

Claimant:

Standard Chem. & Pharm. Co., Ltd.

Answering:

Yi Jia Clinic (Literal Translation)

 

 

Interview Details

 

Name

Ms. Zhang

Department

Sales Department

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.6192

UK Pound

1

Rs.99.60

Euro

1

Rs.83.74

 

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

 

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.