MIRA INFORM REPORT

 

 

Report Date :

21.04.2014

 

IDENTIFICATION DETAILS

 

Name :

Shuttle Inc.

 

 

Registered Office :

5F, No.30, Lane 76, Rei Kuang Rd., Nei Hu Dist., Taipei

 

 

Country :

Taiwan

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

10.06.1983

 

 

Com. Reg. No.:

20980880

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and sales of computer and related equipments

 

 

No. of Employees :

About 450 Employees (Taiwan)

 

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 31, 2014

 

Country Name

Previous Rating

(31.12.2013)

Current Rating

(31.03.2014)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderately Low Risk

 

B1

Moderate Risk

 

B2

Moderately High Risk

 

C1

High Risk

 

C2

Very High Risk

 

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

 

 

 

 


Contact Points

 

Company Name:

Shuttle Inc.

Supplied Name:

Shuttle Inc

Trading Address:

No.30, Lane 76, Rei Kuang Rd., Nei Hu Dist., Taipei, Taiwan, R.O.C.

Supplied Address:

No 30, Lane 76, Rei-Kuang Road Neihu District Taipei 114

Telephone Number:

+886-2-8792-6168

Fax Number:

+886-2-8792-6268

E-mail:

sales@tw.shuttle.com

Notes: The exact name and address are as above.

 

 

Company Identification Details

 

Registered Name:

Shuttle Inc.

Registered Address:

5F, No.30, Lane 76, Rei Kuang Rd., Nei Hu Dist., Taipei, Taiwan, R.O.C.

Date of Foundation:

1983-6-10

Registration Number:

20980880

Registry:

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

Registered Capital:

NTD 5,000,000,000 (USD 165,500,000)

(As of 2014.4, 1 NTD = 0.0331 USD)

Paid-up Capital:

NTD 3,491,703,030 (USD 115,575,370)

Legal Representatives:

Honghui Yu

Legal Form:

Joint Stock Company

Principal Activities:

Manufacturing and sales of computer and related equipments

Staff:

About 450 Employees (Taiwan)

Listed at Stock Exchange:

Yes; (Public, TPE: 2405)

Date of Last Annual Return:

2014-3-18

 

 

History

 

Subject was incorporated on 1983-6-10 with registered number 20980880 as Joint Stock Company in Taiwan.

 

Subject listed on Taiwan stock exchange on 2000-3-17

 

 

Shareholders

 

Name

Subscription Shares

Honghui Yu

18,052,015       

Lina Yu

8,580,322

Qingfeng Pan

120,000

Tong Xin Investment Co., Ltd (Liberal Translation)

2,147,613

Hongyang Yu

1,877,311

 

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

 

Shareholder Information:

Registered Name:

Tong Xin Investment Co., Ltd (Liberal Translation)

Registered Address:

7F.-1, No.12, Lane 11, Minzu Rd., Beitou Dist., Taipei City, Taiwan (R.O.C.)

Date of Foundation:

2004-7-12

Registration Number:

27339835

Registry:

Taipei City Government

Registered Capital:

NTD 57,000,000 (USD 1,886,700)

(As of 2014.4, 1 NTD = 0.0331 USD)

Paid-up Capital:

NTD 57,000,000 (USD 1,886,700)

Legal Representatives:

Weixun Zheng

Legal Form:

Joint Stock Company

Listed at Stock Exchange:

No

Date of Last Annual Return:

2013-12-26

 

 

Subsidiaries & Branches

 

Factory

Name:

Neihu Plant

Address:

5F, No.30, Lane 76, Rei Kuang Rd., Nei Hu Dist., Taipei, Taiwan, R.O.C.

Date of Foundation:

2001-1-12

Date of Registration:

2001-2-16

Factory Registration Number:

63021574

Factory Manager:

Honghui Yu

Status:

In Production

Date of Last Annual Return:

2001-2-16

Major Products:

271 Computer and relating equipment

 

Branches

1

Name

Shuttle Computer Group INC.

Address

17068 Evergreen Place

City of Industry, CA 91745

Telephone Number

+1-626-820-9000

Fax Number

+1-626-820-5060

2

Name

Shuttle Computer Handels GES. M.B.H.

Address

Fritz-Strassmann Str. 5

D-25337 Elmshorn, Germany

Telephone Number

+49-4121-476860

Fax Number

+49-4121-476900

3

Name

Japan Shuttle Co., Ltd

Address

7F, Aioi Nissay Dowa Sonpo Koto Bldg, 2-8-11

Sumiyosi Koto-ku Tokyo Japan

Telephone Number

+81-03-5625-1670

Fax Number

+81-03-5625-1673

4

Name

ShenZhen Shuttle Co., Ltd

Address

9/F, Benyuan Building, No 6015 Shennan Road, Shenzhen 518040, China

Telephone Number

+86-0755-33369280

Fax Number

+86-0755-33369296

 

 

Personnel Information

 

Core Management

 

Directors

1

Name

Honghui Yu

Position

Board Chairman

2

Name

Lina Yu

Position

Director

3

Name

Qingfeng Pan

Position

Director

Date of Appointment

2012-12-25

4

Name

Shengming Lin

Position

Director

5

Name

Fenfang Li

Position

Director

6

Name

Hongyang Yu

Position

Supervisor

 

Personnel Structure

 

Total Employees

About 450 Employees (Taiwan)

 

 

Operation Information

 

Offices & Factories

 

 

Headquarters

Add

No.30, Lane 76, Rei Kuang Rd., Nei Hu Dist., Taipei, Taiwan, R.O.C.

 

Production Information

 

·         Subject is a manufacturer of computer and related equipments

·         It is introduced that subject has a factory in Taiwan for production.

·         It is introduced that subject has a contract factory in the mainland of China offering OEM services for subject.

·         It is introduced that subject has obtained ISO 14001 certification.

 

Purchase Information

 

The registered activities of subject:

Business Code

Details

CC01080 

Manufacturing of electronic components.

CC01110 

Manufacturing industry of computer and related equipment.

CE01010 

Manufacturing of general instrument.

CE01990 

Manufacturing of other optical and precision machinery.

F401010 

International trading business.

CC01060 

Manufacturing of wired communication equipment.

CC01070 

Manufacturing of wireless communication equipment.

E701040 

Installing of simple telecommunication equipment.

E701030 

Construction engineering of radio-frequency devices under telecommunications regulation.

F113070 

Wholesales of telecommunication equipment and materials.

F213060 

Retails of telecommunication equipment and materials.

F401021 

Importing radio-frequency devices under telecommunications regulation.

CC01101 

Manufacturing of radio-frequency devices under telecommunications regulation.

I301010 

Service of information software.

I199990 

Other counselor services.

I301020 

Services for handling with files..

I301030 

Services of electronic information supplying.

ZZ99999 

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

 

The components and raw material for production are purchased both at home and abroad,

 

Sales Information

 

·         The subject is mainly engaged in sales of computer and related equipments

·         It is introduced that subject’s selling territory Asia, Europe, America, Australia

·         It is introduced that subject’s major customers are wholesalers and distributors of computers, Table PC

·         It is introduced that subject has corporate with many famous software companies such as “Intel”, “AMD”, “NVIDIA”, “ATI”, “VIA”, “SiS”

 

Major Products

 

Product

1

XPC (Cube)

2

Slim PC

3

All in one

4

OMNINAS (NAS)

5

Biometric Solution

6

Accessories

 

Import and export right:

Import right

Yes

Export right

Yes

 

 

Settlements

 

Purchase

 

Domestic Purchase (Taiwan and Mainland, China)

Product

Payment Terms

Proportion

Raw materials, components

 

COD, CBD

 

100%

 

Foreign Purchase

Product

Payment Terms

Proportion

Raw materials, components

CBD

100%

 


Sales

 

Domestic Markets

Product

Sales Terms

Proportion

Computer and related equipments

COD, CBD

100%

 

Export

Product

Sales Terms

Proportion

Computer and related equipments

CBD

100%

 

 

Balance Sheet

                                                                   

 Unit: NTD/000

Date

2012-12-31

2011-12-31

 Assets

 

 

        Current Assets

 

 

          Cash and cash equivalents

771,908.00

958,527.00

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

0.00

5,874.00

          Available-for-sale financial assets - current

121,254.00

172,970.00

          Notes receivable - net

0.00

100.00

          Accounts receivable - net

39,310.00

39,307.00

          Accounts receivable - related parties - net

189,435.00

253,983.00

          Other financial assets - current

8,913.00

23,160.00

          Inventories

177,970.00

192,000.00

          Other current assets

140,001.00

85,832.00

            Current assets

1,448,791.00

1,731,753.00

        Funds and Investments

 

 

          Available-for-sale financial assets - non current

6,153.00

7,685.00

          Financial assets carried at cost - non current

57,652.00

60,352.00

            Equity investments under equity method

2,235,335.00

1,307,611.00

          Investments

2,235,335.00

1,307,611.00

            Funds and long-term investments

2,299,140.00

1,375,648.00

        Fixed Assets

 

 

        Cost

 

 

          Land

273,000.00

442,685.00

          Buildings and structures

228,819.00

453,827.00

          Machinery and equipment

47,831.00

76,980.00

          Transportation equipment

27,495.00

21,186.00

          Office equipment

27,393.00

22,108.00

          Other facilities

16,320.00

15,668.00

          Revaluation increment

0.00

0.00

          Cost and revaluation increment

620,858.00

1,032,454.00

          Accumulated depreciation

-126,403.00

-202,216.00

          Accumulated impairment - fixed assets

-6,993.00

-7,651.00

          Construction in process and prepayment for equipments

0.00

123.00

            Fixed assets

487,462.00

822,710.00

        Intangible Assets

 

 

          Deferred pension cost

30.00

1,191.00

            Intangible assets

30.00

1,191.00

        OtherAssets

 

 

            Rental assets

81,607.00

81,953.00

          Guarantee deposits paid

11,353.00

34,126.00

          Deferred charges

14,565.00

21,182.00

          Deferred income tax assets - non current

4,921.00

59,942.00

            Other assets

112,446.00

197,203.00

            Assets

4,347,869.00

4,128,505.00

        Liabilities and Stockholders' Equity

 

 

        Liabilities

 

 

        Current Liabilities

 

 

          Short-term borrowings

0.00

0.00

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

574.00

0.00

          Notes payable

0.00

0.00

          Accounts payable

175,896.00

128,206.00

          Accounts payable - related parties

7,745.00

18,469.00

          Accrued expenses

285,539.00

294,309.00

          Other financial liabilities - current

47,347.00

44,440.00

          Other current liabilities

4,886.00

11,200.00

            Current liabilities

521,987.00

496,624.00

        Long term Liabilities

 

 

        Reserves

 

 

        Other Liabilities

 

 

          Pension reserve / accrued pension liability

567.00

12,373.00

          Guarantee deposits received

100.00

0.00

          Other liabilities - other

579.00

647.00

            Other liabilities

1,246.00

13,020.00

            Liabilities

523,233.00

509,644.00

        Stockholders' Equity

 

 

        Capital

 

 

          Common stock

3,401,313.00

3,521,583.00

        Capital Surplus

 

 

          Capital surplus - additional paid-in capital

201,765.00

208,899.00

          Capital surplus - treasury stock transactions

104,984.00

87,195.00

          Capital surplus - long-term equity investments

2,325.00

0.00

            Capital surplus

309,074.00

296,094.00

        Retained Earnings

 

 

          Legal reserve

1,126.00

0.00

          Special reserve

10,136.00

0.00

          Unappropriated retained earnings

318,261.00

11,262.00

            Retained earnings

329,523.00

11,262.00

        Stockholders' Equity and Other adjustmen

 

 

          Cumulative translation adjustments

-66,865.00

-10,319.00

          Net loss not recognized as pension cost

0.00

-860.00

          Unrealized gains (losses) on financial instruments

-148,409.00

-89,284.00

          Treasure stock

0.00

-109,615.00

            Equity adjustments

-215,274.00

-210,078.00

          Stockholders‘ equity

3,824,636.00

(USD 126,595,451.60)

3,618,861.00

(USD 119,784,299.10)

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

0.00

12,027,000.00

          

0.00

0.00

(As of 2014.4, 1 NTD = 0.0331 USD)

 

 

Profit and Loss Account

                                                                   

Unit: NTD/000

Date

2012

2011

  Sales

1,332,873.00

(USD 44,118,096.30)

1,941,686.00

(USD 64,269,806.60)

          Sales returns

11,575.00

44,903.00

          Sales discounts and allowances

970.00

21,533.00

          Sales

1,320,328.00

1,875,250.00

          Technical service revenue

669,176.00

396,047.00

          Processing fees revenue

0.00

0.00

          Service revenue

669,176.00

396,047.00

          Operating income

1,989,504.00

2,271,297.00

          Cost of sales

1,142,153.00

1,625,253.00

          Processing costs

0.00

0.00

          Cost of services

0.00

0.00

          Operating costs

1,142,153.00

1,625,253.00

          Gross profit (loss) from operations

847,351.00

646,044.00

          Unrealized gains on intercompany transactions

5,086.00

0.00

          Realized gains on intercompany transactions

0.00

38,416.00

          Selling expense

172,070.00

137,389.00

          General and administrative expenses

169,780.00

162,273.00

          Research and development expenses

365,689.00

375,158.00

          Operating expenses

707,539.00

674,820.00

          Operating income (loss)

134,726.00

9,640.00

        Non-Operating Income

 

 

          Interest income

4,390.00

2,537.00

          Inome from long-term equity investments under the equity method

193,938.00

0.00

          Dividends

12,427.00

10,285.00

          Investment income

206,365.00

10,285.00

          Gains on disposal of fixed assets

1,098.00

10,232.00

          Gains on sale of investments

18,898.00

0.00

          Foreign exchange gains

0.00

10,762.00

          Rent income

1,750.00

1,260.00

          Revaluation gain on financial assets

0.00

5,874.00

          Miscellaneous income

40,244.00

38,363.00

          Non-operating revenues and gains

272,745.00

79,313.00

        Non-Operating Expenses

 

 

          Interest expense

7.00

1,767.00

          Losses from long-term equity investments under the equity method

0.00

11,660.00

          Investment loss

0.00

11,660.00

          Loss on disposal of fixed assets

15,217.00

28.00

          Loss on sale of investments

0.00

21,900.00

          Foreign exchange losses

8,177.00

0.00

          Impairment loss on assets

0.00

4,702.00

          Revaluation loss on financial liabilities

574.00

0.00

          Miscellaneous disbursements

46,619.00

26,560.00

          Non-operating expenses and losses

70,594.00

66,617.00

          Income from continuing operations before income tax

336,877.00

22,336.00

          Income tax expense (benefit)

18,616.00

11,074.00

          Income from continuing operations

318,261.00

11,262.00

          Net income (loss)

318,261.00

11,262.00

        Primary Earnings per Share

 

 

          Primary earnings per share

0.94

0.03

        Diluted earnings per share

 

 

          Diluted earnings per share

0.93

0.03

 

 

Cash Flow

 

Date

2012

2011

Cash Flows from Operating Activities - Indirect Method

 

 

  Net Income (Loss)

318,261.00

11,262.00

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

 

 

   Depreciation Expense

19,446.00

23,288.00

   Amortization Expense

91,796.00

121,097.00

   Provision (Reversal of Provision) for Bad Debts Losses

-9,058.00

-34,557.00

   Difference Between Net Pension Cost and Plan Contribution

-9,785.00

-3,678.00

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

18,809.00

27,034.00

   Investment Loss (Income) Recognized under Equity Method

-193,938.00

11,660.00

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

14,119.00

-10,204.00

   Loss (Gain) on Disposal of Investments

-18,898.00

21,900.00

   Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

574.00

-5,874.00

   Impairment Losses on Financial Asset

0.00

4,702.00

   Impairment Loss on Non-Financial Assets

0.00

0.00

   Unrealized Gain (Loss) on Intercompany Transactions

5,086.00

0.00

   Realized Loss (Gain) on Intercompany Transactions

0.00

-38,416.00

   Loss (Gain) on Deferred Income Tax

18,616.00

11,011.00

   Other Adjustments to Reconcile Net Income

0.00

0.00

  Changes in Operating Assets and Liabilities

 

 

    Decrease (Increase) in Financial Assets Held for Trading

5,874.00

29,782.00

    Decrease (Increase) in Notes Receivable

100.00

-100.00

    Decrease (Increase) in Accounts Receivable

9,055.00

112,006.00

    Decrease (Increase) in Accounts Receivable - Related Parties

47,458.00

1,234,841.00

    Decrease (Increase) in Inventories

-4,779.00

158,688.00

    Decrease (Increase) in Other Current Assets

16,786.00

-125,653.00

    Decrease (Increase) in Other Financial Assets

14,247.00

-15,091.00

    Increase (Decrease) in Financial Liabilities Held for Trading

0.00

0.00

    Increase (Decrease) in Notes Payable

0.00

-198.00

    Increase (Decrease) in Accounts Payable

47,690.00

-743,908.00

    Increase (Decrease) in Accounts Payable - Related Parties

-10,724.00

-5,228.00

    Increase (Decrease) in Income Tax Payable

0.00

0.00

    Increase (Decrease) in Accrued Expenses

-8,770.00

-26,800.00

    Increase (Decrease) in Other Financial Liabilities

-1,491.00

1,703.00

    Increase (Decrease) in Other Current Liabilities

-6,314.00

8,067.00

Net Cash Provided by (Used in) Operating Activities

364,160.00

767,334.00

Cash Flows from Investing Activities

 

 

  Acquisition of Available-for-sale Financial Assets

-45,595.00

-157,223.00

  Proceeds from Disposal of Available-for-sale Financial Assets

85,586.00

47,315.00

  Acquisition of Financial Assets Carried at Cost

0.00

0.00

  Acquisition of Investments Accounted for by Equity Method

-814,977.00

-744,183.00

  Proceeds from Capital Reduction of Investments Accounted for under Equity Method

2,700.00

161,540.00

  Purchase of Property, Plant and Equipment

-15,989.00

-9,531.00

  Proceeds from Disposal of Property, Plant and Equipment

317,262.00

40,964.00

  Decrease (Increase) in Refundable Deposits

-11,777.00

-34,101.00

  Increase in Deferred Charges

-85,179.00

-27,660.00

  Decrease (Increase) in Other Receivables - Related Parties

17,090.00

-17,090.00

  Other Investing Activities

0.00

0.00

  Net Cash Provided by (Used in) Investing Activities

-550,879.00

-739,969.00

Cash Flows from Financing Activities

 

 

  Increase (Decrease) in Short-term Loans

0.00

-514,294.00

  Increase (Decrease) in Guarantee Deposits Received

100.00

-300.00

  Proceeds from Issuance of Shares

0.00

0.00

  Purchase of Treasury Stock

0.00

-109,615.00

  Net Cash Provided by (Used in) Financing Activities

100.00

-624,209.00

Effect of Exchange Rate Changes

0.00

0.00

Net Increase (Decrease) in Cash and Cash Equivalents

-186,619.00

-596,844.00

Cash and Cash Equivalents, Beginning of year

958,527.00

1,555,371.00

Cash and Cash Equivalents, End of year

771,908.00

958,527.00

Supplemental Cash Flow Information

 

 

  Interest Paid

7.00

1,425.00

  Interest Paid- Excluding Capitalized Interest

7.00

1,425.00

  Income Tax Paid

443.00

239.00

Investing Activities Affecting Both Cash and Non-cash Items

 

 

  Cash Paid for Acquisition of Property, Plant and Equipment

 

 

   Increase in Property, Plant and Equipment

15,301.00

10,219.00

   Increase (Decrease) in Payable for Equipment Purchased

688.00

-688.00

   Cash Paid for Acquisition of Property, Plant and Equipment

15,989.00

9,531.00

 

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

 

1

Trial Number:

2003, Beijiansheng, 144

Date of Trial:

920528

Reason:

Confirming the amount of litigation costs

2

Trial Number:

2002, Beijian, 14682

Date of Trial:

920227

Reason:

Payment for fares

 

 

Interview Details

 

Name

Salesman

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.38

UK Pound

1

Rs.101.63

Euro

1

Rs.83.57

 

INFORMATION DETAILS

 

Analysis Done by :

SUM

 

 

Report Prepared by :

NNA

 

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.