MIRA INFORM REPORT

 

 

Report Date :

03.04.2014 

IDENTIFICATION DETAILS

 

Name :

HOME CHAIN FOODS, LTD

 

 

Registered Office :

8F-4., No.312, Sec. 4, Zhongxiao E. Rd., Da'an Dist., Taipei City,

 

 

Country :

Taiwan

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

17.05.1989

 

 

Com. Reg. No.:

23309178

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Subject is providing the food and beverage-service.

 

 

No. of Employees :

640

 

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 – September 30, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

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. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are other major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, and following the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010, Taiwan in July 2013 signed a free trade deal with New Zealand—Taipei’s first-ever with a country with which it does not maintain diplomatic relations—and in November inked a trade pact with Singapore. Negotiations continue on follow-on components of ECFA regarding trade in goods and a dispute resolution mechanism; a trade in services agreement is under review in the legislature. 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 overall trade surplus largely because of its surplus with China, and its foreign reserves are the world's sixth largest, behind China, Japan, Saudi Arabia, Russia, and Switzerland. 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. Taiwan since 2009 has gradually loosened rules governing Chinese investment on the island, and has also secured greater market access for its investors in the mainland. 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

 

 

 

 


Company name and address

 

Company Name:

HOME CHAIN FOODS, LTD

Supplied Name:

HOME CHAIN FOODS LTD

Trading Address:

8F., No.20, Wenhu St., Neihu Dist., Taipei City, Taiwan (R.O.C.)

Supplied Address:

Taipei City, Taiwan

Telephone Number:

+886-2-265-8111

  Notes: The exact name and address are as above.

 

 

Company Identification Details

 

Registered Name:

HOME CHAIN FOODS, LTD

Registered Address:

8F-4., No.312, Sec. 4, Zhongxiao E. Rd., Da'an Dist., Taipei City, Taiwan (R.O.C.)

Date of Foundation:

1989-5-17

Registration Number:

23309178

Registry:

Taipei City Government

Registered Capital:

NTD 220,000,000 (USD 7,282,000)

(As of 2014.4, 1 NTD = 0.0331 USD)

Paid-up Capital:

NTD 132,941,390 (USD 4,400,360)

Legal Representatives:

Jiayu Hang

Legal Form:

Joint Stock Company

Principal Activities:

Providing the food and beverage-service and etc.

Staff:

About 640 Employees

Listed at Stock Exchange:

No

Date of Last Annual Return:

2014-1-24

 

 

History

 

Subject was incorporated on 1989-5-17 with registered number 23309178 as Joint Stock Company in Taiwan.

 

 

Shareholders

 

Name

Subscription Shares

Great Wall Enterprise Co., Ltd.

9,305,897         

Bk Asiapac, Pte. Ltd.

3,988,242

 

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


 

Shareholder Information:

Registered Name:

Great Wall Enterprise Co., Ltd.

Registered Address:

3, Niao Sung 2nd., St., Yongkang Dist., Tainan City 710, Taiwan (R.O.C.)

Date of Foundation:

1960-12-28

Registration Number:

73008303

Registry:

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

Registered Capital:

NTD 6,000,000,000 (USD 198,600,000)

(As of 2014.4, 1 NTD = 0.0331 USD)

Paid-up Capital:

NTD 5,664,572,150 (USD 187,497,338)

Legal Representatives:

Jiayu Han

Legal Form:

Joint Stock Company

Staff:

About 1,400 Employees

Listed at Stock Exchange:

Yes; (Public, TPE: 1210)

Date of Last Annual Return:

2013-6-26

Tel

+886-6-253-1111

Fax

+886-6-2531686

 

 

Subsidiaries & Branches

 

Parent Company

Registered Name:

Great Wall Enterprise Co., Ltd.

Registered Address:

3, Niao Sung 2nd., St., Yongkang Dist., Tainan City 710, Taiwan (R.O.C.)

Date of Foundation:

1960-12-28

Registration Number:

73008303

Registry:

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

Registered Capital:

NTD 6,000,000,000 (USD 198,600,000)

(As of 2014.4, 1 NTD = 0.0331 USD)

Paid-up Capital:

NTD 5,664,572,150 (USD 187,497,338)

Legal Representatives:

Jiayu Han

Legal Form:

Joint Stock Company

Staff:

About 1,400 Employees

Listed at Stock Exchange:

Yes; (Public, TPE: 1210)

Date of Last Annual Return:

2013-6-26

Tel

+886-6-253-1111

Fax

+886-6-2531686

 

Brach Companies

 

Registration Number

Name

Date of Registration

Date of Last Annual Return

1

54686598

Dahu Branch

2014-3-26

 

2

25136320

Changchun Branch

2010-6-9

 

3

25105261

Zhongshan Branch

2010-2-12

 

4

24332042

Zhongxiao Branch

2009-3-18

 

5

24310103

Linsen Branch

2008-11-26

 

6

29059351

Shida Branch

2008-9-11

 

7

27967341

Huaining -Branch

2005-11-4

 

8

16130578

Zhuke Branch

1999-6-17

 

9

16837770

Bade- Branch

1999-3-6

 

10

16833599

Bade Branch

1999-1-7

 

11

97174391

Dunnan Branch

1997-1-22

1997-1-22

12

84899318

Huaining Branch

1994-11-23

1994-11-23

13

84892379

Xinyi Branch

1994-5-2

1994-8-15

 

 

Personnel Information

 

Core Management

 

Directors

1

Name

Jiayu Han

Position

Board Chairman

2

Name

Jiayin Han

Position

Director

3

Name

Weixi Li

Position

Director

4

Name

Shuheng Zhou

Position

Director

5

Name

Jayapal Seshadri

Position

Director

6

Name

David Chan Shear

Position

Director

7

Name

Xuemin Wu

Position

Supervisor

8

Name

Michael H. Ferranti

Position

Supervisor

 

Personnel Structure

 

Total Employees

About 640 Employees

 

 

Operation Information

 

Offices & Factories

 

 

Headquarters

Add

8F., No.20, Wenhu St., Neihu Dist., Taipei City, Taiwan (R.O.C.)

 

Operation Information

 

Subject is a provider of food and beverage-service and etc.

The subject is mainly engaged in operating chain restaurants.

It is introduced that subject has 29 chain restaurants covering Taiwan.

It is introduced that subject’s selling territory is mainly in Taiwan domestic market.

It is introduced that subject’s major customers are direct customers and etc.

It is introduced that subject’s the agent of the famous chain restaurants named “Burger King”.

 

The registered activities of subject:

Business Code

Details

--

General importing and exporting business (Besides licensed business)

--

Processing, transporting, importing and exporting of varied foods, agricultural products, animal by-products, aquatic and seawater products and drinks.

--

Processing, manufacturing, trading, importing and exporting of hamburg, fried chicken, bread, cake, food container, fast food, canned food, candies, cookies, soda water, juice, coffee and tea.

--

Trading, importing and exporting of toys, present, garment, paper products, book and magazines, hardware and machinery.

--

Operation of restaurants, snack food industry, eating and drinking establishment and café.

--

Agent of domestic and overseas manufacturers’ bidding and marking prices for the above related products.

--

Interior designing engineering project services. (Besides homebuilding) (Besides architect business)

--

Operating the enterprise, advisory, diagnosis and analysis of financial management. (Besides accountants business) (Besides securities investment consultant)

ZZ99999 

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

 

 

Financial Information

 

Subject has no obligations to disclose its financial statements to the third party according to the relevant policy in Taiwan and the only source from which we can obtain the information is the subject itself.

We found the consolidated financial information of subject’s parent company (Great Wall Enterprise Co., Ltd.) from public files for reference.

 

Consolidated Balance Sheet

                                                                    Unit: NTD/000

Date

2012-12-31

2011-12-31

 Assets

 

 

        Current Assets

 

 

          Cash and cash equivalents

3,879,324.00

3,879,963.00

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

18,262.00

219,269.00

          Notes receivable - net

1,425,822.00

1,408,388.00

          Accounts receivable - net

4,346,466.00

4,385,100.00

          Other receivables - related parties

21,780.00

18.00

          Other financial assets - current

113,002.00

182,569.00

          Inventories

8,655,394.00

8,049,093.00

          Other current assets

1,945,822.00

1,903,452.00

            Current assets

20,405,872.00

20,027,852.00

        Funds and Investments

 

 

          Available-for-sale financial assets - non current

1,126,059.00

1,032,265.00

          Financial assets carried at cost - non current

110,373.00

118,644.00

            Equity investments under equity method

821,842.00

644,332.00

          Investments

821,842.00

644,332.00

            Funds and long-term investments

2,058,274.00

1,795,241.00

        Fixed Assets

 

 

        Cost

 

 

          Land

1,192,415.00

1,191,334.00

          Buildings and structures

2,587,642.00

2,518,392.00

          Machinery and equipment

10,547,175.00

10,060,560.00

          Transportation equipment

313,261.00

286,322.00

          Leased assets

29,457.00

29,457.00

          Leasehold improvements

259,377.00

68,742.00

          Other facilities

2,873,806.00

2,673,730.00

          Revaluation increment

158,927.00

158,927.00

          Cost and revaluation increment

17,962,060.00

16,987,464.00

          Accumulated depreciation

-8,601,495.00

-7,899,766.00

          Accumulated impairment - fixed assets

-75,129.00

-65,406.00

          Construction in process and prepayment for equipments

1,426,613.00

618,864.00

            Fixed assets

10,712,049.00

9,641,156.00

        Intangible Assets

 

 

          Goodwill

138,612.00

141,791.00

          Deferred pension cost

2,471.00

3,031.00

          Other intangible assets

833,136.00

718,535.00

            Intangible assets

974,219.00

863,357.00

        OtherAssets

 

 

            Rental assets

298,392.00

154,731.00

          Idled assets

15,019.00

162,204.00

          Deferred income tax assets - non current

127,488.00

135,419.00

          Other assets - other

264,806.00

153,908.00

            Other assets

705,705.00

606,262.00

            Assets

34,856,119.00

32,933,868.00

        Liabilities and Stockholders' Equity

 

 

        Liabilities

 

 

        Current Liabilities

 

 

          Short-term borrowings

6,854,628.00

5,996,711.00

          Short-term notes and bills payable

465,663.00

249,889.00

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

20,988.00

546.00

          Notes payable

134,423.00

201,311.00

          Accounts payable

4,583,595.00

4,898,931.00

          Income tax payable

153,040.00

181,145.00

          Accrued expenses

1,378,208.00

1,376,526.00

          Long-term liabilities - current portion

253,736.00

718,660.00

          Other current liabilities

1,105,398.00

1,228,813.00

            Current liabilities

14,949,679.00

14,852,532.00

        Long term Liabilities

 

 

          Long-term borrowings

2,769,021.00

1,091,498.00

            Long-term liabilities

2,769,021.00

1,091,498.00

        Reserves

 

 

          Reserve for land revaluation increment tax

20,754.00

20,754.00

            Reserves

20,754.00

20,754.00

        Other Liabilities

 

 

          Pension reserve / accrued pension liability

60,046.00

95,312.00

          Guarantee deposits received

62,456.00

202,542.00

          Other liabilities - other

68,110.00

74,017.00

            Other liabilities

190,612.00

371,871.00

            Liabilities

17,930,066.00

16,336,655.00

        Stockholders' Equity

 

 

        Capital

 

 

          Common stock

5,664,572.00

5,247,491.00

        Capital Surplus

 

 

          Capital surplus - additional paid-in capital

589,396.00

293,398.00

          Capital surplus - treasury stock transactions

766,356.00

720,268.00

          Capital surplus - long-term equity investments

910,230.00

910,528.00

          Capital surplus - stock option

0.00

54,097.00

          Capital surplus - other

19,235.00

1,901.00

            Capital surplus

2,285,217.00

1,980,192.00

        Retained Earnings

 

 

          Legal reserve

1,195,374.00

1,088,269.00

          Unappropriated retained earnings

1,718,260.00

1,983,436.00

            Retained earnings

2,913,634.00

3,071,705.00

        Stockholders' Equity and Other adjustmen

 

 

          Cumulative translation adjustments

3,627.00

246,723.00

          Net loss not recognized as pension cost

-265,013.00

-285,310.00

          Unrealized gains (losses) on financial instruments

855,447.00

761,639.00

          Unrealized Revaluation Increment

81,995.00

81,995.00

          Treasure stock

-218,792.00

-218,792.00

            Equity adjustments

457,264.00

586,255.00

          Total Stockholders' Equities of Parent Company

11,320,687.00

10,885,643.00

          Minority interest

5,605,366.00

5,711,570.00

          Stockholders’ equity

16,926,053.00

(USD 560,252,354.30)

16,597,213.00

(USD 549,367,750.30)

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

40,688,225.00

38,767,909.00

          

0.00

0.00

(As of 2014.4, 1 NTD = 0.0331 USD)

 

 

CONSOLIDATED PROFIT AND LOSS ACCOUNT

                                                                    Unit: NTD/000

Date

2012

2011

Sales

90,956,323.00

(USD 3,010,654,291.30)

87,427,044.00

(USD 2,893,835,156.40)

          Sales discounts and allowances

3,433,724.00

3,364,354.00

          Sales

87,522,599.00

84,062,690.00

          Operating income

87,522,599.00

84,062,690.00

          Operating costs

80,575,116.00

76,570,574.00

          Gross profit (loss) from operations

6,947,483.00

7,492,116.00

          Selling expense

5,784,025.00

5,637,899.00

          Research and development expenses

30,945.00

32,116.00

          Operating expenses

5,814,970.00

5,670,015.00

          Operating income (loss)

1,132,513.00

1,822,101.00

        Non-Operating Income

 

 

          Interest income

21,639.00

21,414.00

          Inome from long-term equity investments under the equity method

11,500.00

0.00

          Dividends

69,182.00

77,266.00

          Investment income

80,682.00

77,266.00

          Foreign exchange gains

235,298.00

0.00

          Reversal of impairment loss on assets

0.00

51,975.00

          Revaluation gain on financial liabilities

0.00

93,960.00

          Miscellaneous income

359,849.00

390,272.00

          Non-operating revenues and gains

697,468.00

634,887.00

        Non-Operating Expenses

 

 

          Interest expense

206,380.00

162,252.00

          Losses from long-term equity investments under the equity method

0.00

15,418.00

          Investment loss

0.00

15,418.00

          Foreign exchange losses

0.00

109,804.00

          Impairment loss on assets

8,939.00

0.00

          Revaluation loss on financial assets

135,092.00

0.00

          Miscellaneous disbursements

118,316.00

90,097.00

          Non-operating expenses and losses

468,727.00

377,571.00

          Income from continuing operations before income tax

1,361,254.00

2,079,417.00

          Income tax expense (benefit)

253,969.00

305,213.00

          Income from continuing operations

1,107,285.00

1,774,204.00

          Consolidated net income attributable to parent company

734,003.00

1,071,050.00

          Minority interest income

373,282.00

703,154.00

          Consolidated net income

1,107,285.00

1,774,204.00

        Primary Earnings per Share

 

 

          Primary earnings per share

1.43

2.22

        Diluted earnings per share

 

 

(As of 2014.4, 1 NTD = 0.0331 USD)

 

Consolidated Cash Flow

Unit: NTD/000

Date

2012

2011

Cash Flows from Operating Activities - Indirect Method

 

 

  Consolidated Net Income (Loss)

1,107,285.00

1,774,204.00

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

 

 

   Depreciation Expense

1,100,923.00

981,241.00

   Amortization Expense

48,638.00

39,529.00

   Provision (Reversal of Provision) for Bad Debt Expense

-10,576.00

-13,416.00

   Amortization of Discounts (Premiums) on Bonds Payable

9,577.00

14,884.00

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

63,610.00

6,664.00

   Investment Loss (Income) Recognized under Equity Method

-11,500.00

1,048.00

   Cash Dividends Received from Investments Accounted for under Equity Method

0.00

15,418.00

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

29,287.00

-42,310.00

   Loss (Gain) on Disposal of Investments

-6,402.00

-7,651.00

   Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

33,564.00

-80,180.00

   Unrealized Exchange Loss (Gain)

128,080.00

115,580.00

   Other Adjustments to Reconcile Net Income

8,939.00

-51,975.00

  Changes in Operating Assets and Liabilities

 

 

    Decrease (Increase) in Financial Assets Held for Trading

194,689.00

-181,796.00

    Decrease (Increase) in Notes Receivable

-15,110.00

-334,464.00

    Decrease (Increase) in Notes Receivable - Related Parties

-2,324.00

-2,040.00

    Decrease (Increase) in Accounts Receivable

-144,033.00

-274,759.00

    Decrease (Increase) in Accounts Receivable - Related Parties

193,243.00

-242,245.00

    Decrease (Increase) in Inventories

-669,911.00

-1,276,582.00

    Decrease (Increase) in Other Current Assets

-64,207.00

-349,424.00

    Decrease (Increase) in Other Financial Assets

69,567.00

174,563.00

    Decrease (Increase) in Deferred Tax Assets

29,768.00

8,105.00

    Increase (Decrease) in Financial Liabilities Held for Trading

-402.00

402.00

    Increase (Decrease) in Notes Payable

-66,888.00

-19,883.00

    Increase (Decrease) in Notes Payable - Related Parties

0.00

0.00

    Increase (Decrease) in Accounts Payable

-384,658.00

550,697.00

    Increase (Decrease) in Accounts Payable - Related Parties

69,322.00

54,197.00

    Increase (Decrease) in Income Tax Payable

-28,105.00

-52,514.00

    Increase (Decrease) in Accrued Expenses

1,682.00

279,939.00

    Increase (Decrease) in Other Current Liabilities

-123,415.00

354,841.00

    Increase (Decrease) in Other Operating Liabilities

-20,316.00

-118,283.00

Net Cash Provided by (Used in) Operating Activities

1,540,327.00

1,323,790.00

Cash Flows from Investing Activities

 

 

  Acquisition of Available-for-sale Financial Assets

0.00

7,973.00

  Capital Reduction of Financial Assets Carried at Cost

10,186.00

15,058.00

  Acquisition of Long-term Investments under Equity Method

-183,220.00

-90,043.00

  Purchase of Property, Plant and Equipment

-2,378,458.00

-1,708,189.00

  Decrease (Increase) in Other Receivables - Related Parties

-21,762.00

115,191.00

  Purchase of Intangible Assets

-171,489.00

-127,525.00

  Decrease (Increase) in Other Assets

-136,150.00

-9,060.00

  Net Cash Provided by (Used in) Investing Activities

-2,880,893.00

-1,796,595.00

Cash Flows from Financing Activities

 

 

  Increase (Decrease) in Short-term Loans

945,611.00

1,305,976.00

  Proceeds from Long-term Debt

1,616,964.00

458,826.00

  Increase (Decrease) in Guarantee Deposits Received

-140,086.00

149,446.00

  Cash Dividends Paid

-629,699.00

-593,602.00

  Changes in Minority Interest

-479,486.00

197,935.00

  Net Cash Provided by (Used in) Financing Activities

1,313,304.00

1,518,581.00

Effect of Exchange Rate Changes

26,623.00

44,130.00

Net Increase (Decrease) in Cash and Cash Equivalents

-639.00

1,089,906.00

Cash and Cash Equivalents, Beginning of year

3,879,963.00

2,790,057.00

Cash and Cash Equivalents, End of year

3,879,324.00

3,879,963.00

Supplemental Cash Flow Information

 

 

  Interest Paid

183,101.00

165,653.00

  Capitalized Interest

-3,537.00

-2,333.00

  Interest Paid- Excluding Capitalized Interest

179,564.00

163,320.00

  Income Tax Paid

239,191.00

202,734.00

Non-cash Investing and Financing Activities

 

 

  Current Portion of Long-term Liabilities

253,736.00

718,660.00

  Conversion of Bonds to Common Stock

413,941.00

160,389.00

  Unrealized Valuation Gains or Losses on Financial Instruments

93,808.00

76,949.00

  Cumulative Translation Adjustments

-243,096.00

371,814.00

  Adjustments to Capital Surplus due to Changes in Equities of Long-term Investments under Equity Method

-298.00

47.00

  Changes in Equity of Long-term Investment under Equity Method

46,088.00

43,855.00

  Others

20,297.00

64,076.00

 

 

Bankers

 

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

 

 

Public Record

 

Mortgage

 

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

 

Lawsuit

 

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

 

 

Interview Details

 

Name

The operator

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.65

UK Pound

1

Rs.99.21

Euro

1

Rs.82.39

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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%)

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.