MIRA INFORM REPORT

 

 

Report Date :

14.04.2014

 

IDENTIFICATION DETAILS

 

Name :

RENK AKTIENGESELLSCHAFT

 

 

Registered Office :

Gögginger Str. 73  D 86159 Augsburg Post Box: 10 23 07, D 86013 Augsburg

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

1873

 

 

Com. Reg. No.:

HRB 6193

 

 

Legal Form :

Public limited company

 

 

Line of Business :

  • Manufacture of instruments and appliances for measuring, testing and navigation
  • Manufacture of other general-purpose machinery

 

 

No. of Employees

1,872

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

No Complaints

 

 

Litigation :

Clear

 

NOTES :

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

 

ECGC Country Risk Classification List – March 31st, 2014

 

Country Name

Previous Rating

(30.09.2013)

Current Rating

(01.12.2013)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, has contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

Source : CIA

 


Company name and address

 

RENK AKTIENGESELLSCHAFT

 

 Company Status:           active

                                    Gögginger Str. 73

                                     D 86159 Augsburg

                                    Post Box:

                                    10 23 07, D 86013 Augsburg

                                    Telephone:0821/5700-0

                                    Telefax:  0821/5700-460

                                    Homepage: www.renk.eu

                                    E-mail:   info.augsburg@renk.biz

 

 VAT no.:                      DE811155359

 Tax ID number:             143/103/50002

 

 

CONCLUSION

 

 Business relations are permissible.

 

 LEGAL FORM              Public limited company

 Date of foundation:      1873

 Registered on:             30.03.1897

 Commercial Register:   Local court 86150 Augsburg

 under:                          HRB 6193

 

 Share capital:                          EUR         17,920,000.00

 

                      The company is listed on the stock market.

 

 Shareholder:

                      RENK Aktiengesellschaft

                      Gögginger Str. 73

                      D 86159 Augsburg

                      Post Box:

                      10 23 07, D 86013 Augsburg

                      Legal form: Public limited company

                      Share capital:     EUR         17,920,000.00

                      Share:                               2.860 %

                      Registered on: 30.03.1897

                      Reg. data: 86150 Augsburg, HRB 6193

 Shareholder:

                      MAN SE

                      Ungererstr. 69

                      D 80805 München

                      Post Box:

                      20 13 63, D 80013 München

                      Legal form: European Company (SE)

                      Share capital:     EUR        376,422,400.00

                      Share:                              76.000 %

                      Registered on: 19.05.2009

                      Reg. data: 80333 München, HRB 179426

 Member of the Board of Directors:

                      Ulrich Sauter

                      D 86637 Wertingen

 Member of the Board of Directors:

                      Dipl.-Ing. Florian Hofbauer

                      D 86899 Landsberg

                      born: 04.12.1960

 President of the Supervisory Board:

                      Dr. Ingrun-Ulla Bartölke

                      Herzog-Franz-Str. 17

                      D 38442 Wolfsburg

                      born: 12.10.1967

 Vice-president of the Supervisory Board:

                      Roberto Armellini

                      Augsburger Str. 9

                      D 86157 Augsburg

 Member of the Supervisory Board:

                      Prof. Gerd Finkbeiner

                      D 86356 Neusäß

                      Profession: Fully qualified engineer

                      Marital status: unknown

 Member of the Supervisory Board:

                      Dr.-Ing. Hans-Otto Jeske

                      Zietenstr. 31

                      D 46485 Wesel

                      born: 20.06.1949

 Member of the Supervisory Board:

                      Prof. Dr.-Ing Werner Neubauer

                      D 38440 Wolfsburg

                      born: 04.06.1949

                      Profession: Businessman

                      Marital status: unknown

 Member of the Supervisory Board:

                      Dr. Georg Pachta-Reyhofen

                      D 82343 Pöcking

                      born: 28.06.1955 in München

                      Profession: Engineer

                      Nationality: Austrian

 Member of the Supervisory Board:

                      Dr. Horst Neumann

                      D 38440 Wolfsburg

 Representative of the Employees within the Supervisory Board:

                      Klaus Ketterle

                      D 86356 Neusäß

                      Marital status: unknown

 Representative of the Employees within the Supervisory Board:

                      Frank Hoffmann

                      D 86150 Augsburg

                      Marital status: unknown

 Representative of the Employees within the Supervisory Board:

                      Herbert Surmann

                      D 48432 Rheine

                      Marital status: unknown

 Representative of the Employees within the Supervisory Board:

                      Walter Vogt

                      D 65346 Eltville

                      Marital status: unknown

 Proxy:

                      Winfried Vogl

                      D 93152 Nittendorf

                      authorized to jointly represent the company

                      born: 18.10.1958

 Proxy:

                      Richard Voß

                      D 31249 Hohenhameln

 Proxy:

                      Stephan Mazurkiewicz

                      D 86609 Donauwörth

                      authorized to jointly represent the company

                      born: 19.12.1959

 Proxy:

                      Dr. Franz Hoppe

                      D 86150 Augsburg

 Proxy:

                      Manfred Hukker

                      D 30952 Ronnenberg

 Proxy:

                      Rolf Buchmann

                      D 85221 Dachau

                      authorized to jointly represent the company

                      born: 14.01.1952

 Proxy:

                      Georg Piller

                      D 86159 Augsburg

                      authorized to jointly represent the company

                      born: 03.10.1970

 Proxy:

                      Martin Pleus

                      D 48480 Spelle

                      born: 23.11.1959

 Proxy:

                      Franz Haslinger

                      D 84437 Reichertsheim

                      authorized to jointly represent the company

                      born: 30.03.1967

 Proxy:

                      Ralph Josephs

                      D 81929 München

                      authorized to jointly represent the company

                      born: 16.02.1968

 Proxy:

                      Dr. Gottfried Braun

                      An der Nußhecke 5

                      D 86316 Friedberg

                      authorized to jointly represent the company

                      born: 11.02.1961

 Proxy:

                      Christof Heßling

                      D 45721 Haltern am See

                      authorized to jointly represent the company

                      born: 12.04.1961

 Proxy:

                      Frank Hoffmann

                      D 86159 Augsburg

                      authorized to jointly represent the company

                      born: 27.05.1961

 Proxy:

                      Dirk Kremkow

                      D 17039 Neuenkirchen

                      authorized to jointly represent the company

                      born: 05.10.1965

 

 Further functions/participations of Dipl.-Ing. Florian Hofbauer

 (Member of the Board of Directors)

 Manager:

                      Verwaltungsgesellschaft Wasseralfingen mbH

                      Ungererstr. 69 c/o MAN SE

                      D 80805 München

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         07.09.2005

                      Reg. data:  89073 Ulm, HRB 501648

 

 

 COMPANY HISTORY

 

 1873 - 1897              Johann Renk

                          D 86150 Augsburg

                          Unregistered commercial enterprise

 1897 - 1955              Zahnräderfabrik Augsburg vorm. Joh. Renk

                          D 86150 Augsburg

                          Public limited company

 1955 - 30.03.1987        Zahnräderfabrik Renk Aktiengesellschaft

                          D 86150 Augsburg

                          Public limited company

 30.03.1987 - 2001        RENK Aktiengesellschaft

                          Gögginger Str. 71-83

                          D 86159 Augsburg

                          Public limited company

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 14.10.2011 - 27.06.2013  President of the Supervisory Board

                          Frank Helmut Lutz

                          D 80639 München

 14.10.2011 - 27.06.2013  Vice-president of the Supervisory Board

                          Hiltrud Werner

                          D 81925 München

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 26512   Manufacture of instruments and appliances for measuring, testing and navigation

28290   Manufacture of other general-purpose machinery

 

BRANCHES AND FACTORIES

 

 Branch:

                      RENK Aktiengesellschaft

                      Rodder Damm 170

                      D 48432 Rheine

                      TEL.: 05971/7900

                      FAX.: 05971/790208

 Branch:

                      RENK Aktiengesellschaft

                      Weltausstellungsallee 21

                      D 30539 Hannover

                      TEL.: 0511/86010

                      FAX.: 0511/8601266

 

 

 

PARTICIPATIONS

 

 Shareholder:

                      Renk Corporation

                      USA - Duncan

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            511,291.88

 Shareholder:

                      RENK Test System GmbH

                      Gögginger Str. 73

                      D 86159 Augsburg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            500,000.00

                      Share:             EUR            500,000.00

                      Reg. data:  12.12.2000

                                  Local court 86150 Augsburg

                                  HRB 18189

 Shareholder:

                      ADMOS-Gleitlager Produktions- und

                      Vertriebsgesellschaft mbH

                      Wilhelminenhofstr. 89a

                      D 12459 Berlin

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            270,000.00

                      Share:             EUR            270,000.00

                      Reg. data:  10.11.1992

                                  Local court 14057 Berlin

                                  HRB 45230 B

 Shareholder:

                      RENK Aktiengesellschaft

                      Gögginger Str. 73

                      D 86159 Augsburg

                      Post Box:

                      10 23 07

                      Legal form: Public limited company

                      Company Status: active

                      Share capital:     EUR         17,920,000.00

                      Share: 2.860 %

                      Reg. data:  30.03.1897

                                  Local court 86150 Augsburg

                                  HRB 6193

 

 

 

FINANCIAL INFORMATION

 

Payment experience:  cash discount/within agreed terms

 

 Negative information:We have no negative information at hand.

 

Balance sheet year:  2012

 

 

 

 REAL ESTATE

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Gögginger Str. 71 - 83

                      D 86159 Augsburg

 

 Type of ownership:   Tenant

 Address              Gögginger Str. 73

                      D 86159 Augsburg

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Rodder Damm 170

                      D 48432 Rheine

 Size:                 85,000.00 sq.m

 

 Land register documents were not available.

 

 

BANKERS

 

 Principal bank

 UNICREDIT BANK - HYPOVEREINSBANK, 86002 AUGSBURG, BAY

 Sort. code: 72020070

 BIC: HYVEDEMM408

 

 Further banks

 STADTSPARKASSE AUGSBURG, 86135 AUGSBURG, BAY

 Sort. code: 72050000

 BIC: AUGSDE77XXX

 COMMERZBANK, 86150 AUGSBURG, BAY

 Sort. code: 72040046, Account no.: 1137710

 BIC: COBADEFF720

 UNICREDIT BANK - HYPOVEREINSBANK, 20454 HAMBURG

 Sort. code: 20030000

 BIC: HYVEDEMM300

 BUNDESBANK, 86136 AUGSBURG, BAY

 Sort. code: 72000000

 BIC: MARKDEF1720

 

 

FINANCIAL FIGURES

 

 Turnover:            2012               EUR        399,508,000.00

 Profit:              2012               EUR         42,881,000.00

 Equipment:                              EUR          6,314,000.00

 Ac/ts receivable:                       EUR         65,422,000.00

 Liabilities:                                EUR        139,982,000.00

 Employees:                                                  1,872

 

 

BALANCE SHEETS

 

 Balance sheet ratios                 01.01.2012 - 31.12.2012

 Equity ratio [%]:                       52.57

 Liquidity ratio:                          1.55

 Return on total capital [%]:       9.89

 

 Balance sheet ratios                 01.01.2011 - 31.12.2011

 Equity ratio [%]:                       52.90

 Liquidity ratio:                          1.30

 Return on total capital [%]:       7.53

 

 Balance sheet ratios                 01.01.2010 - 31.12.2010

 Equity ratio [%]:                        55.29

 Liquidity ratio:                          3.26

 Return on total capital [%]:       6.46

 

 Balance sheet ratios                 01.01.2009 - 31.12.2009

 Equity ratio [%]:                         48.15

 Liquidity ratio:                           2.60

 Return on total capital [%]:       9.77

 

 Equity ratio

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 Liquidity ratio

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 Return on total capital

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR        433,443,000.00

  Fixed assets                           EUR        123,632,000.00

   Intangible assets                     EUR          1,006,000.00

    Concessions, licences, rights        EUR          1,006,000.00

   Tangible assets                       EUR        106,366,000.00

    Land / similar rights                EUR         78,116,000.00

    Other tangible assets / fixtures and

    fittings                             EUR          6,314,000.00

    Advance payments made / construction

    in progress                          EUR         21,936,000.00

   Financial assets                      EUR         16,260,000.00

    Shares in participations /

    subsidiaries and the like            EUR         16,249,000.00

     Shares in related companies         EUR         15,475,000.00

     Shares in investee companies        EUR            774,000.00

    Other loans                          EUR             11,000.00

  Current assets                         EUR        309,185,000.00

   Stocks                                EUR        145,864,000.00

    Raw materials, consumables and

    supplies                             EUR         21,314,000.00

    Finished goods / work in progress    EUR        124,419,000.00

    Advance payments made                EUR            131,000.00

   Accounts receivable                   EUR         65,422,000.00

    Trade debtors                        EUR         64,586,000.00

    Other debtors and assets             EUR            836,000.00

   Liquid means                          EUR         97,899,000.00

  Remaining other assets                 EUR            626,000.00

   Accruals (assets)                     EUR            626,000.00

 

 LIABILITIES                             EUR        433,443,000.00

  Shareholders' equity                   EUR        227,871,000.00

   Capital                               EUR         17,408,000.00

    Subscribed capital (share capital)   EUR         17,920,000.00

    Other capital                        EUR           -512,000.00

   Reserves                              EUR        167,998,000.00

    Capital reserves                     EUR         10,669,000.00

    Retained earnings / revenue reserves EUR        157,329,000.00

   Balance sheet profit/loss (+/-)       EUR         42,465,000.00

    Balance sheet profit / loss          EUR         42,465,000.00

  Provisions                             EUR         65,590,000.00

   Pension provisions and comparable

   provisions                            EUR          8,860,000.00

   Provisions for taxes                  EUR         10,516,000.00

   Other / unspecified provisions        EUR         46,214,000.00

  Liabilities                            EUR        139,982,000.00

   Other liabilities                     EUR        139,982,000.00

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         33,930,000.00

    Liabilities from received advance

    payments                             EUR         82,224,000.00

    Unspecified other liabilities        EUR         23,828,000.00

     thereof liabilities from tax /

     financial authorities               EUR          1,486,000.00

     thereof liabilities from social

     security                            EUR            436,000.00

  Guarantees and other commitments       EUR          9,539,000.00

   Guarantees / warranties               EUR          9,539,000.00

    Guarantees                           EUR          9,539,000.00

 

 PROFIT AND LOSS ACCOUNT (cost of sales method) according to Comm.

 Code (HGB)

  Sales                                  EUR        399,508,000.00

  Manufacturing costs                    EUR        303,699,000.00

  Gross result on sales                  EUR         95,809,000.00

  Distribution costs                     EUR         25,266,000.00

  General administration expenses        EUR         10,448,000.00

  Other operating income                 EUR          6,488,000.00

  Other operating expenses               EUR         11,425,000.00

  Operating result from continuing

  operations                             EUR         55,158,000.00

  Result from participating interests

  (+/-)                                  EUR          3,477,000.00

   Expenses / income from participations EUR          3,477,000.00

    Income from related companies        EUR          3,477,000.00

  Interest result (+/-)                  EUR            535,000.00

   Interest and similar income           EUR            806,000.00

   Interest and similar expenses         EUR            271,000.00

  Other financial result                 EUR          1,005,000.00

   Other financial income                EUR          1,005,000.00

  Financial result (+/-)                 EUR          5,017,000.00

  Result from ordinary operations (+/-)  EUR         60,175,000.00

  Income tax / refund of income tax (+/-)EUR        -17,294,000.00

  Tax (+/-)                              EUR        -17,294,000.00

  Annual surplus / annual deficit        EUR         42,881,000.00

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR        372,825,000.00

  Fixed assets                           EUR        114,156,000.00

   Intangible assets                     EUR            902,000.00

    Concessions, licences, rights        EUR            902,000.00

   Tangible assets                       EUR         95,372,000.00

    Land / similar rights                EUR         38,112,000.00

    Plant / machinery                    EUR         32,619,000.00

    Other tangible assets / fixtures and

    fittings                             EUR          4,625,000.00

    Advance payments made / construction

    in progress                          EUR         20,016,000.00

   Financial assets                      EUR         17,882,000.00

    Shares in participations /

    subsidiaries and the like            EUR         10,368,000.00

     Shares in related companies         EUR          9,594,000.00

     Shares in investee companies        EUR            774,000.00

    Loans to participations /

    subsidiaries and the like            EUR          7,500,000.00

     Loans to related companies          EUR          7,500,000.00

    Other loans                          EUR             14,000.00

  Current assets                         EUR        257,959,000.00

   Stocks                                EUR        127,660,000.00

    Raw materials, consumables and

    supplies                             EUR         17,370,000.00

    Finished goods / work in progress    EUR        109,984,000.00

    Advance payments made                EUR            306,000.00

   Accounts receivable                   EUR         68,664,000.00

    Trade debtors                        EUR         67,780,000.00

    Other debtors and assets             EUR            884,000.00

   Liquid means                          EUR         61,635,000.00

  Remaining other assets                 EUR            710,000.00

   Accruals (assets)                     EUR            710,000.00

 

 LIABILITIES                             EUR        372,825,000.00

  Shareholders' equity                   EUR        197,230,000.00

   Capital                               EUR         17,408,000.00

    Subscribed capital (share capital)   EUR         17,920,000.00

     thereof not yet paid-up capital     EUR            512,000.00

      thereof uncalled outstanding

      contributions                      EUR           -512,000.00

   Reserves                              EUR        146,558,000.00

    Capital reserves                     EUR         10,669,000.00

    Retained earnings / revenue reserves EUR        135,889,000.00

   Balance sheet profit/loss (+/-)       EUR         33,264,000.00

    Balance sheet profit / loss          EUR         33,264,000.00

  Provisions                             EUR         61,064,000.00

   Pension provisions and comparable

   provisions                            EUR         11,755,000.00

   Provisions for taxes                  EUR          2,973,000.00

   Other / unspecified provisions        EUR         46,336,000.00

  Liabilities                            EUR        114,531,000.00

   Other liabilities                     EUR        114,531,000.00

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         32,813,000.00

    Liabilities from received advance

    payments                             EUR         61,900,000.00

    Unspecified other liabilities        EUR         19,818,000.00

     thereof liabilities from tax /

     financial authorities               EUR          1,273,000.00

     thereof liabilities from social

     security                            EUR            760,000.00

  Guarantees and other commitments       EUR         13,359,000.00

   Guarantees / warranties               EUR         13,359,000.00

    Guarantees                           EUR         13,359,000.00

 

 PROFIT AND LOSS ACCOUNT (cost of sales method) according to Comm.

 Code (HGB)

  Sales                                  EUR        320,169,000.00

  Manufacturing costs                    EUR        246,659,000.00

  Gross result on sales                  EUR         73,510,000.00

  Distribution costs                     EUR         23,196,000.00

  General administration expenses        EUR         10,448,000.00

  Other operating income                 EUR          9,557,000.00

  Other operating expenses               EUR          8,087,000.00

  Operating result from continuing

  operations                             EUR         41,336,000.00

  Result from participating interests

  (+/-)                                  EUR          1,443,000.00

   Expenses / income from participations EUR          1,443,000.00

  Interest result (+/-)                  EUR            185,000.00

   Interest and similar income           EUR          1,141,000.00

   Interest and similar expenses         EUR            956,000.00

  Other financial result                 EUR         -2,363,000.00

   Other financial expenses              EUR          2,363,000.00

  Financial result (+/-)                 EUR           -735,000.00

  Result from ordinary operations (+/-)  EUR         40,601,000.00

  Income tax / refund of income tax (+/-)EUR        -12,528,000.00

  Tax (+/-)                              EUR        -12,528,000.00

  Annual surplus / annual deficit        EUR         28,073,000.00


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.27

UK Pound

1

Rs.101.10

Euro

1

Rs.83.74

                

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

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

 

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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.