MIRA INFORM REPORT

 

 

Report Date :

19.09.2013

 

IDENTIFICATION DETAILS

 

Name :

FAR  EASTERN  POLYCHEM  INDUSTRIES  LTD.

 

 

Formerly Known As :

FAR EASTERN ASIA (HOLDING) LTD.

 

 

Registered Office :

Unit A, 11/F., Lippo Leighton Tower, 103-109 Leighton Road, Causeway Bay

 

 

Country :

Hong Kong

 

 

Date of Incorporation :

27.01.2000

 

 

Com. Reg. No.:

30682913

 

 

Legal Form :

Not Available

 

 

Line of Business :

Subject is engaged in the production and distribution.

 

 

No. of Employees :

20,000

 

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)

Hong Kong

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

HONG KONG - ECONOMIC OVERVIEW

 

Hong Kong has a free market economy, highly dependent on international trade and finance - the value of goods and services trade, including the sizable share of re-exports, is about four times GDP. Hong Kong levies excise duties on only four commodities, namely: hard alcohol, tobacco, hydrocarbon oil, and methyl alcohol. There are no quotas or dumping laws. Hong Kong's open economy left it exposed to the global economic slowdown that began in 2008. Although increasing integration with China, through trade, tourism, and financial links, helped it to make an initial recovery more quickly than many observers anticipated, it again faces a possible slowdown as exports to the Euro zone and US slump. The Hong Kong government is promoting the Special Administrative Region (SAR) as the site for Chinese renminbi (RMB) internationalization. Hong Kong residents are allowed to establish RMB-denominated savings accounts; RMB-denominated corporate and Chinese government bonds have been issued in Hong Kong; and RMB trade settlement is allowed. The territory far exceeded the RMB conversion quota set by Beijing for trade settlements in 2010 due to the growth of earnings from exports to the mainland. RMB deposits grew to roughly 9.1% of total system deposits in Hong Kong by the end of 2012, an increase of 59% from the previous year. The government is pursuing efforts to introduce additional use of RMB in Hong Kong financial markets and is seeking to expand the RMB quota. The mainland has long been Hong Kong's largest trading partner, accounting for about half of Hong Kong's exports by value. Hong Kong's natural resources are limited, and food and raw materials must be imported. As a result of China's easing of travel restrictions, the number of mainland tourists to the territory has surged from 4.5 million in 2001 to 34.9 million in 2012, outnumbering visitors from all other countries combined. Hong Kong has also established itself as the premier stock market for Chinese firms seeking to list abroad. In 2012 mainland Chinese companies constituted about 46.6% of the firms listed on the Hong Kong Stock Exchange and accounted for about 57.4% of the Exchange's market capitalization. During the past decade, as Hong Kong's manufacturing industry moved to the mainland, its service industry has grown rapidly. Growth slowed to 5% in 2011, and less than 2% in 2012. Credit expansion and tight housing supply conditions caused Hong Kong property prices to rise rapidly and inflation to rise 4.1% in 2012. Lower and middle income segments of the population are increasingly unable to afford adequate housing. Hong Kong continues to link its currency closely to the US dollar, maintaining an arrangement established in 1983

Source : CIA


Company name and address

 

 

FAR  EASTERN  POLYCHEM  INDUSTRIES  LTD.

 

 

ADDRESS:       Unit A, 11/F., Lippo Leighton Tower, 103-109 Leighton Road, Causeway Bay, Hong Kong.

 

PHONE:            852-2839 3700

 

FAX:                 852-2890 3535

 

E-MAIL:            carmen@fepihk.com.hk

 

 

MANAGEMENT

 

Chairman:  Mr. Hsu Shu Tong

 

 

SUMMARY

 

Incorporated in Bermuda on:      13th April, 1995.

 

Registered in Hong Kong on:     27th January, 2000.

 

Organization:  N                        on-Hong Kong Company.

 

Capital: Authorised:                   HK$1,500,000,000.00

Issued & Paid Up:                     HK$113,746.00

 

Business Category:                   Investment Holding.

 

Group Operating Revenue:         NT$240,417,022,000  (Year ended 31-12-2012)

 

Group Employees:                    Over 20,000.

 

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

 

Banking Relation:                      Good.


 

ADDRESS

 

Registered Office:-

Clarendon House, 2 Church Street, Hamilton HM11, Bermuda.

 

Hong Kong Principal Place of Business:-

Unit A, 11/F., Lippo Leighton Tower, 103-109 Leighton Road, Causeway Bay, Hong Kong.

 

Holding Company:-

Far Eastern New Century Corporation, Taiwan.

 

Subsidiaries:-

F.E.D.P. (Holding) Ltd., Bermuda.

Far Eastern Industries (Shanghai) Ltd., China.

Far Eastern Industries (Suzhou) Ltd., China.

Oriental Petrochemical (Shanghai) Corp., China.

PET Far Eastern (Holding) Ltd., Bermuda.

 

Associated Companies:-

Far Eastern Group of Companies

An Ho Garment Co. Ltd., Taiwan.

Arcoa Communication Co. Ltd., Taiwan.

Data Express Infotech Co. Ltd., Taiwan.

DDIMH (Virgin Islands) Ltd., British Virgin Islands.

Digital United (Cayman) Ltd., Cayman Island.

Digital United Information Technology (Shanghai) Co. Ltd., China.

Ding Ding Hotel Co. Ltd., Taiwan.

Ding Ding Integrated Marketing Service Co. Ltd., Taiwan.

Ding Yuan International Investment Co. Ltd., Taiwan.

E. World Holdings Ltd., Cayman Island.

F.E.T.G. Investment Antilles N.V., Bonaire.

Far Eastern Apparel (Holding) Ltd., Bermuda.

Far Eastern Apparel (Suzhou) Ltd., China.

Far Eastern Apparel (Vietnam) Ltd., Vietnam.

Far Eastern Apparel Co. Ltd., Taiwan.

Far Eastern Construction Co. Ltd., Taiwan.

Far Eastern Dyeing & Finishing (Suzhou) Ltd., China.

Far Eastern Electronic Commerce Co. Ltd., Taiwan.

Far Eastern Electronic Toll Collection Co. Ltd., Taiwan.

Far Eastern Fibertech Co. Ltd., Taiwan.

Far Eastern General Contractor Inc., Taiwan.

Far Eastern Industries (Wuxi) Ltd., China.

Far Eastern Industries (Yangzhou) Ltd., China.

Far Eastern Info Service Holding Ltd., Bermuda.

Far Eastern Investment (Holding) Ltd., Bermuda.

Far Eastern New Century (China) Investment Co. Ltd., China.

Far Eastern New Dilligence Ltd., British Virgin Islands.

Far Eastern Polytex (Holding) Ltd., Bermuda.

Far Eastern Resources Development Co. Ltd., Taiwan.

Far Eastern Tech-Info (Shanghai) Ltd., China.

Far Eastern Technical Consultants Co. Ltd., Taiwan.

Far Eastern Textile Ltd., Taiwan.

Far Eastern Union Petrochemical (Yangzhou) Ltd., China.

Far Eastern Yihua Petrochemical (Yangzhou) Corp., China.

Far EasTone Telecommunication Co. Ltd., Taiwan.

Far EasTron Holding Ltd., Cayman Island.

FENC (Beijing), China.

Fu Kwok Knitting & Garment Co. Ltd., Taiwan.

Information Security Service Digital United, Taiwan.

Kai Yuan International Investment Co. Ltd., Taiwan.

KGEx.com Co. Ltd., Taiwan.

Linkwell Tech Co. Ltd., Taiwan.

Martens Beer (Shanghai) Ltd., China.

Ming Ding Co. Ltd., Taiwan.

New Century InfoComm Tech Co. Ltd., Taiwan.

New Dilligent Co. Ltd., Taiwan.

O-Music Co. Ltd., Taiwan.

Oriental Industries (Suzhou) Ltd., China.

Oriental Petrochemical (Taiwan) Co. Ltd., Taiwan.

Oriental Resources Development Co. Ltd., Taiwan.

Oriental Textile (Holding) Ltd., Bermuda.

PET Far Eastern (M) Sdn. Bhd., Malaysia.

Q-Ware Communication Corp., Taiwan.

Samsungvip Co. Ltd., Taiwan.

Shanghai Far Eastern IT Corp., China.

Shanghai Yuan Hua Logistic Corp., China.

Simple InfoComm Co. Ltd., Taiwan.

Sino Belgium (Holding) Ltd., Bermuda.

Sino Belgium Beer (Suzhou) Ltd., China.

Sino Lead Enterprise Ltd., Hong Kong.

Speedy (Shanghai) Digital Tech. Co. Ltd., China.

Suqian Far Eastern Apparel Ltd., China.

Suzhou Anhe Apparel Ltd., China.

Waldorf Services B.V., the Netherlands.

Worldwide Polychem (HK) Ltd., Hong Kong.

Wuhan Far Eastern New Material Ltd., China.

YDC (Virgin Islands) Ltd., British Virgin Islands.

YDT Technolgy International Co. Ltd., Taiwan.

Yuan Cheng Human Resources Consultant Corporation, Taiwan.

Yuan Cing Co. Ltd., Taiwan.

Yuan Ding Co. Ltd., Taiwan.

Yuan Ding Integrated Informatin Service Inc., China.

Yuan Ding Investment Co. Ltd., Taiwan.

Yuan Faun Co. Ltd., Taiwan.

Yuan Hong Electric Co. Ltd., Taiwan.

Yuan Tong Investment Co. Ltd., Taiwan.

etc.

 

 

 

BUSINESS REGISTRATION NUMBER

 

30682913

 

 

COMPANY FILE NUMBER

 

F0010093

 

 

MANAGEMENT

 

Chairman:  Mr. Douglas Tong Hsu

Vice Chairmans:  Mr. Johnny Shih

Mr. Peter Hsu

Authorized Representative in Hong Kong:  Ms. Ma Mun Ling, Carmen

 

 

CAPITAL

 

Nominal Share Capital: HK$1,500,000,000.00 (Divided into 1,500,000,000 shares of HK$1.00 each)

 

Issued Share Capital: HK$113,746.00

 

 

DIRECTORS

 

(As per registry dated 27-01-2013)

Name

(Nationality)

 

Address

HSU Shu Tong

            (Taiwanese)

 

7 Lane 101, Jing Shan Road, Taipei, Taiwan.

SHIH Jar Yi

            (Taiwanese)

 

5/F., 23 Lane 26, Yat Sen Road, Taipei, Taiwan.

Ira Stuart OUTERBRIDGE

14 Spanish Point Road, Pembroke HM01, Bermuda.

 

TU Chin Sen

            (Taiwanese)

11/F., 71 Lane 144, Nan Ya South Road, Section 2, Panchiao 220, Taipei, Taiwan.

 

WANG Shaw Y

            (Taiwanese)

5/F., 2 Lane 161, Shin Sheng South Road, Section 1, Taipei, Taiwan.

 

CHANG Lih Teh

            (Taiwanese)

68, Lane 398, Jing Gwo Road, Section 1, Hsinchu City, Taipei, Taiwan.

 

 

 

SECRETARY 

 

(As per registry dated 27-01-2013)

Name

Address

MA Mun Ling

Flat H, 23/F., Tower 1, NOB Hill, 8 King Lai Path, Kwai Chung, New Territories, Hong Kong.

 

 

HISTORY

 

The subject was incorporated in Bermuda on 13th April, 1995 as an exempted company under the Companies Act 1981 of Bermuda.  Previously, the subject was registered under the name of Far Eastern Asia (Holding) Ltd.  Pursuant to a resolution passed by the shareholders, the subject changed its name to the current style with effect from 17th September, 1999.

The subject has established a principal place of business in Hong Kong and was registered on 27th January, 2000 as an overseas company under Part XI of the Hong Kong Companies Ordinance.  It has become a non‑Hong Kong company since 14th December, 2007.

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

 

 

OPERATIONS

 

Activities & Lines:                      Investment Holding.  Its subsidiaries are principally engaged in the production and distribution polyester products in China.

 

Group Employees:                    Over 20,000.

 

Markets:                                    Europe, Middle East, China and other parts of Asia.

 

Group Operating Revenue:         NT$235,561,246,000  (Year ended 31-12-2011)

NT$240,417,022,000  (Year ended 31-12-2012)

 

Company Operating Revenue:  HK$1,989,623,000  (Year ended 31-12-2012)

 

Terms/Sales:                             L/C, T/T, etc.

 

Terms/Buying:                           Various terms.

 

 

FINANCIAL INFORMATION

 

Nominal Share Capital:              HK$1,500,000,000.00 (Divided into 1,500,000,000 shares of HK$1.00 each)

 

Issued Share Capital:                 HK$113,746.00

 

Group Net Income:                    NT$17,674,403,000  (Year ended 31-12-2011)

NT$14,988,716,000  (Year ended 31-12-2012)

 

Company Total Assets:             HK$3,705,933,000  (Year ended 31-12-2012)

 

Company Total Liability:            HK$1,002,838,000  (Year ended 31-12-2012)

 

Company Net Worth:                 HK$2,703,095,000  (Year ended 31-12-2012)

 

Company Net Loss:                   (HK$64,448,000)  (Year ended 31-12-2012)

 

Profit or Loss:                           Group business is profitable.

 

Condition:                                 Keeping in a satisfactory manner.

 

Facilities:                                  Making active use of general banking facilities.

 

Payment:                                  So far so good.

 

Commercial Morality:                 Satisfactory.

 

Bankers:-

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

Citibank N.A., Shanghai Branch, China.

Bank of China, Shanghai Pudong Branch, China.

Bank of Shanghai, Pudong Branch, China.

Far Eastern International Bank, International Banking Department, Taiwan.

 

Standing:  Normal.

 

 

GENERAL

 

Far Eastern Polychem Industries Ltd. [FEPIL] is an investment holding company having several subsidiaries while the main one is Far Eastern Industries (Shanghai) Ltd. [FEIS] which is a Shanghai-based firm.

Incorporated in Bermuda, FEPIL is a Non-Hong Kong Company registered in January 2000.

FEPIL manufactures and distributes polyester products in the People’s Republic of China.  It offers PET chips, and bottles; conductive chips, polyester filaments, spandex and fibre, and conjugates.  It was founded in 1995 and is headquartered in Shanghai, China.  FEPIL operates as a subsidiary of Far Eastern Textile Limited.

FEPIL’s shares were listed on The Growth Enterprise Market of the Stock Exchange of Hong Kong Ltd. on 31st January, 2000.  However, FEPIL withdrew this listing on 21st November, 2005.  FEPIL and its subsidiaries had about 900 employees.

FEPIL is principally engaged in the production and distribution of two major categories of polyester products, namely, bottle-grade PET chips (polyethylene terephthalate resin in the forms of chips) and polyester filament, and the dyeing and finishing of polyester fabrics.  These products can be further processed into a wide range of end products, such as PET bottles, PET sheets, film, magnetic tapes, other packaging materials and textile products.

The production facilities of FEPIL is located in Pudong, Shanghai, China.  Currently, FEPIL is one of the largest bottle-grade PET chip producers and a major polyester filament producer in the PRC.

FEPIL’s bottle-grade PET chips can be used for producing for PET bottles for mineral water, carbonated soft drinks and hot drinks, and five-gallon bottles.  FEPIL’s polyester filament can be manufactured in the forms of POY (pre‑oriented yarn) and DTY (draw textured yarn) by way of direct spinning by processing polyester polymer as raw materials.  These materials are used principally for producing yarn and woven fabrics which can be further processed into apparel, especially shirts and dresses.  Generally, most of the end-users of PET chips and polyester filament are producers of PET bottles and fabric producers in the PRC respectively.  On the other hand, FEPIL’s finished fabrics can be used in the manufacture of apparel and are produced both for FEPIL’s own sales and for other producers or distributors on an original equipment manufacturing (OEM) basis.

In 1996, FEPIL obtained approval from both the PRC and Taiwanese governments to invest in and establish FEIS in 1996.  FEIS was established as a wholly foreign-owned enterprise for the production and distribution of PET chips and polyester filament, and dyeing and finishing of polyester textile products in the PRC on 25th September, 1996 for a term of 50 years with a registered capital of US$78 million (approximately HK$607 million).  FEIS exports more than 70% of its production output on an annual basis.

The construction of a large factory complex (the “Pudong Complex”) by FEIS in Xinghuo Development Zone of Pudong, Shanghai, the PRC began in June 1997 and was completed in December 1998.  Production commenced in September 1998.

The Pudong Complex is mainly consisted of a polymerisation plant, an SSP (solid-state polymerisation) plant, a POY plant, a DTY plant, a fabrics finishing plant and a dyeing plant.  It is also equipped with other facilities including two waste water treatment plants, a compressed air and purified nitrogen plant and raw material and finished product storage facilities.  With a total site area of approximately 375,803 sq.m., FEIS has a designed daily capacity of approximately 200 metric tonnes of polyester polymer, 180 metric tonnes of bottle-grade PET chips, 65 metric tonnes of POY, 65 metric tonnes of DTY and 145,000 yards of finished fabrics.  However, owing to improvement on efficiency and productivity, the actual production output of the Group is often above the designed capacity.

Since 1987, FEPIL has formed strategic alliances with a number of leading multinational corporations, in particular major PTA (purified terephthalic acid) and MEG (mono ethylene glycol) suppliers, in order to secure supplies of petrochemical raw materials.

The parent company of FEPIL is Far Eastern New Century Corporation [FENC], a Taiwan-listed firm.  FENC was established in 1954.  It is the holding company of the Far Eastern Group.

The history of the Far Eastern Group dates back to 1942 when Mr. Hsu Yu Ziang, the founder of the Group, established Far Eastern Manufacturing Company, a knitting factory in Shanghai.  In 1949, Mr. Hsu relocated the knitting factory to Taiwan.

In 1993, the Fibre Division of FENC became the first chemical fibre plant in the world to obtain the ISO-9001 certification.  In May 1999, FENC became the first company in Taiwan to have obtained the three certifications of ISO‑9001, ISO-14001 and OHSMS (Occupational Health and Safety Management Systems).

The Group manufactures and sells polyester materials, semi finished products and finished goods such as cotton, synthetic or blended fabrics, towels and bed-sheets, and woven and knitted garments; PET (polyethylene terephthalate) bottles and PET sheets; and natural, synthetic or blended yarns and polyester textured yarns.  It also does yarn, silk and cloth printing and dyeing as well as manufactures wide-view film, antiglare film, antireflection film and other optical films.

FENC’s stock is listed on the Taiwan Stock Exchange.  On 19th October, 1999, FENC issued global depositary receipts [GDRs], which became listed on the Luxembourg Stock Exchange.

On 13th October, 2009, the stockholders resolved to change their company’s name of Far Eastern Textile Ltd. to FENC; thus, the original stock symbol of “FETL” was changed to “FENC”.

For the year ended 31st December, 2012, the principal operating revenue of the Group amounted to NT$240,417.0 million, grew by 2.1% as compared with NT$235,561.2 million in FY 2011; net income for the year was NT$14,988.7 million, decreased by 15.3% as compared with NT$17,674.4 million in FY 2011.

FENC successfully completed vertical integration at its core business production lines both in Taiwan and China, from upstream PTA plants to downstream polyester and textile products.  In terms of consolidated revenue, polyester, petrochemical, and textile represents 50%, 30%, and 20% respectively.

FENC has maintained its leading position in the industry by utilizing economies of scale, implementing breakthrough technologies and developing green products.

In 2012 May, FENC founded Far Eastern Industries (Yangzhou) Ltd. and Far Eastern Union Petrochemical (Yangzhou) Ltd., via indirect investments and plans to build a new production site for polyester and ethylene glycol.

FENC had 4,906 and 4,847 employees as of 31st December, 2012 and 2011, respectively.  Now, FENC has 9 listed companies and a number of subsidiaries and associates.

In April 2013, FENC, through FEPIL, entered into a joint venture with Ishizuka Glass Co. Ltd., to establish Far Eastern Ishizuka Green PET Corporation in Japan to conduct R-PET production and distribution business.

In May 2013, 1st Global Sustainable Procurement (GSP) supplier awards was launched by Coca-Cola and FENC was awarded “2013 Supplier of the Year” out of 900 suppliers.

For the year ended 31st December, 2012, the operating income of FEPIL amounted to HK$116.2 million, however, it made a loss of HK$64.4 million in the year.

Having a history of over thirteen years and seven months in Hong Kong, FEPIL is fully supported by FENC.

On the whole, consider it good for normal business engagements.

 

 

REMARKS

 

Brief personal information of the principal directors:-

Mr. HSU Shu Tong, aged 71, is the Chairman of FEPIL.  He has been serving as a Director since 1995.  He is also the Chairman of FENC (which has an interest in the share capital of FEPIL) and the Chairman of each of the boards of Far Eastern Department Stores Ltd., Oriental Union Chemical Corporation, Far EasTone Telecommunications Ltd., Far Eastern International Bank, U-Ming Marine Transport Corporation and Asia Cement Corporation.  Mr. Hsu is also a director of Everest Textile Co. Ltd. [Everest Textile] (which has an interest in the share capital of FEPIL).  He joined the Far Eastern Group in 1971 and served as the Executive Vice President of the Apparel Division of FENC and the President of FENC from 1979 to 1994.  He has more than 33 years of experience in managing different areas of business of the Far Eastern Group.  Mr. Hsu received a Bachelor’s and Master’s degree in Economics at the University of Notre Dame and pursued Post-Graduate Studies in Economics at Columbia University in the United States.  Mr. Hsu also has a Honorary Doctor’s degree in Management granted by the National Chiao Tung University in Taiwan.  Mr. Hsu is a brother-in-law of Mr. Shih Jar Yi.

Mr. SHIH Jar Yi is the Deputy Chairman of FEPIL.  He has been serving as a Director since 1995.  He is currently also a Director and the President of FENC, a Director of Asia Cement Corporation, a Director of Oriental Union Chemical Corporation and Far Eastern International Bank and the Chairman of Everest Textile.  Mr. Shih joined the Far Eastern Group in 1974 and has been an Executive Officer of FENC since 1979, and had served as the head of the Computer Centre and the Procurement Division of the Far Eastern Group and as the Senior Executive Vice President of the polyester division of FENC.  He has more than 30 years of experience in managing the petrochemical and textile business of the Far Eastern Group.  Mr. Shih received a Bachelor’s degree in Electrical Engineering from McGill University in Canada and a Master’s degree in Computer Science and Business Administration from Columbia University in the United States.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.14

UK Pound

1

Rs.100.48

Euro

1

Rs.84.37

 

 

INFORMATION DETAILS

 

Report Prepared by :

NIS

 

 

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%)

 

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.