MIRA INFORM REPORT

 

 

Report Date :

08.08.2014

 

IDENTIFICATION DETAILS

 

Name :

JAYAKUIK SDN BHD

 

 

Registered Office :

Integrated Timber Complex, Sungai Seguntor, Off Mile 10, Labuk Road, P.O.Box 2003, 90722 Sandakan, Sabah

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2009

 

 

Date of Incorporation :

06.12.1984

 

 

Com. Reg. No.:

131939-V

 

 

Legal Form :

Private Limited [Limited By Share]

 

 

Line of Business :

Manufacture of Particle Boards.

 

 

No. of Employees :

110 [2014]

 

RATING & COMMENTS

 

MIRA’s Rating :

Ca

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Moderate

Payment Behaviour :

Unknown

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 – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Malaysia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

MALAYSIA - ECONOMIC OVERVIEW

 

Malaysia, a middle-income country, has transformed itself since the 1970s from a producer of raw materials into an emerging multi-sector economy. Under current Prime Minister NAJIB, Malaysia is attempting to achieve high-income status by 2020 and to move farther up the value-added production chain by attracting investments in Islamic finance, high technology industries, biotechnology, and services. NAJIB's Economic Transformation Program (ETP) is a series of projects and policy measures intended to accelerate the country's economic growth. The government has also taken steps to liberalize some services sub-sectors. The NAJIB administration also is continuing efforts to boost domestic demand and reduce the economy's dependence on exports. Nevertheless, exports - particularly of electronics, oil and gas, palm oil and rubber - remain a significant driver of the economy. As an oil and gas exporter, Malaysia has profited from higher world energy prices, although the rising cost of domestic gasoline and diesel fuel, combined with sustained budget deficits, has forced Kuala Lumpur to begin to address fiscal shortfalls, through initial reductions in energy and sugar subsidies and the announcement of the 2015 implementation of a 6% goods and services tax. The government is also trying to lessen its dependence on state oil producer Petronas. The oil and gas sector supplies about 32% of government revenue in 2013. Bank Negara Malaysia (central bank) maintains healthy foreign exchange reserves, and a well-developed regulatory regime has limited Malaysia's exposure to riskier financial instruments and the global financial crisis. Nevertheless, Malaysia could be vulnerable to a fall in commodity prices or a general slowdown in global economic activity because exports are a major component of GDP. In order to attract increased investment, NAJIB earlier raised possible revisions to the special economic and social preferences accorded to ethnic Malays under the New Economic Policy of 1970, but retreated in 2013 after he encountered significant opposition from Malay nationalists and other vested interests. In September 2013 NAJIB launched the new Bumiputra Economic Empowerment Program (BEEP), policies that favor and advance the economic condition of ethnic Malays.

 

Source : CIA

 

 

 

 


 

 

 

EXECUTIVE SUMMARY

 

REGISTRATION NO.

:

131939-V

COMPANY NAME

:

JAYAKUIK SDN BHD

FORMER NAME

:

N/A

INCORPORATION DATE

:

06/12/1984

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED (LIMITED BY SHARE)

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

INTEGRATED TIMBER COMPLEX, SUNGAI SEGUNTOR, OFF MILE 10, LABUK ROAD, P.O.BOX 2003, 90722 SANDAKAN, SABAH, MALAYSIA.

BUSINESS ADDRESS

:

JALAN LOK YEN, SUNGAI SEGUNTOR, OFF MILES 10, LABUK ROAD, 90722 SANDAKAN, SABAH, MALAYSIA.

TEL.NO.

:

089-235008/235009

FAX.NO.

:

089-235010

EMAIL

:

JAYA@JAYAKUIK.COM.MY

WEB SITE

:

WWW.JAYAKUIK.COM.MY

CONTACT PERSON

:

K K LEE ( CEO )

 

 

 

INDUSTRY CODE

:

16212

PRINCIPAL ACTIVITY

:

MANUFACTURE OF PARTICLE BOARDS

AUTHORISED CAPITAL

:

MYR 25,000,000.00 DIVIDED INTO
ORDINARY SHARE 25,000,000.00 OF MYR 1.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 15,000,000.00 DIVIDED INTO
ORDINARY SHARES 15,000,000 CASH OF MYR 1.00 EACH.

 

 

 

SALES

:

N/A

NET WORTH

:

N/A

 

 

 

STAFF STRENGTH

:

110 [2014]

BANKER (S)

:

EXPORT-IMPORT BANK OF MALAYSIA BHD
MALAYAN BANKING BHD

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

N/A

PAYMENT

:

N/A

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 

HISTORY / BACKGROUND

 


The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act, 1965 and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

The Subject is principally engaged in the (as a / as an) manufacture of particle boards.

The Subject is not listed on Bursa Malaysia (Malaysia Stock Exchange).


 

Share Capital History

Date

Authorised Shared Capital

Issue & Paid Up Capital

15/02/2013

MYR 25,000,000.00

MYR 15,000,000.00

 


The major shareholder(s) of the Subject are shown as follows :


Name

Address

IC/PP/Loc No

Shareholding

(%)

MR. WONG NYUK SHING @ WONG TECK TSIN +

LOT 1, TAMAN SENTOSA, MILE 2, NORTH ROAD, P. O. BOX 1014, 90711 SANDAKAN, SABAH, MALAYSIA.

380422-12-5207 H0590602

7,500,000.00

50.00

MS. WONG FUI LI

22-D3 UBN APARTMENTS, JALAN SULTAN ISMAIL, 50250 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

751217-06-5380 A3151755

1,875,000.00

12.50

MR. LEE KEE KONG @ LEE CHEE KONG +

LOT 11, TYNG GARDEN, MILE 5, NORTH ROAD, P.O.BOX 2003, 90722 SANDAKAN, SABAH, MALAYSIA.

511124-12-5003 H0065339

1,875,000.00

12.50

MS. WONG TZE WEI

TAMAN SENTOSA, MILE 2, NORTH ROAD, P O BOX 1014, 90711 SANDAKAN, SABAH, MALAYSIA.

731118-06-5416 A2623562

1,875,000.00

12.50

REMAINING SHAREHOLDER

-

27239

1,875,000.00

12.50

 

 

 

---------------

------

 

 

 

15,000,000.00

100.00

 

 

 

============

=====

 

+ Also Director

 


The Subject's interest in other companies (Subsidiaries/Associates) are shown as follow :

 



Local No

Country

Company

(%)

As At

494621M

MALAYSIA

JAYAKUIK INDUSTRIES SDN. BHD.

100.00

29/03/2013

 

 

 

 

 




 

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

MR. WONG KAT MING

Address

:

LOT 10, TYNG GARDEN, MILE 5, NORTH ROAD, P O BOX 2003, 90722 SANDAKAN, SABAH, MALAYSIA.

IC / PP No

:

H0184742

New IC No

:

571025-12-5029

Date of Birth

:

25/10/1957

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

21/03/1997

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

VICTOR PALLICKAL XAVIER

Address

:

B 1ST FLOOR, MILE 2, SENTOSA APARTMENT, P.O.BOX 2003, 90722 SANDAKAN, SABAH, MALAYSIA.

IC / PP No

:

Z122199

 

 

 

 

 

 

 

 

 

Nationality

:

N/A

Date of Appointment

:

21/08/2006

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

MR. LEE KEE KONG @ LEE CHEE KONG

Address

:

LOT 11, TYNG GARDEN, MILE 5, NORTH ROAD, P.O.BOX 2003, 90722 SANDAKAN, SABAH, MALAYSIA.

IC / PP No

:

H0065339

New IC No

:

511124-12-5003

Date of Birth

:

24/11/1951

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

21/03/1997

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 4

 

Name Of Subject

:

MR. WONG NYUK SHING @ WONG TECK TSIN

Address

:

LOT 1, TAMAN SENTOSA, MILE 2, NORTH ROAD, P. O. BOX 1014, 90711 SANDAKAN, SABAH, MALAYSIA.

IC / PP No

:

H0590602

New IC No

:

380422-12-5207

Date of Birth

:

22/04/1938

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

06/06/1994

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MANAGEMENT

 

 

 

1)

Name of Subject

:

K K LEE

 

Position

:

CEO

 

 

 

 

 

2)

Name of Subject

:

WONG NYUK SHING

 

Position

:

MANAGING DIRECTOR

 

 

 

 

 

3)

Name of Subject

:

WINNIE WONG

 

Position

:

GENERAL MANAGER

 

 

 

 

 

4)

Name of Subject

:

VICTOR XAVIER

 

Position

:

PRODUCTION DIRECTOR

 

 

 

 

 

 

 

AUDITOR

 

Auditor

:

KPMG

Auditor' Address

:

LEVEL 10, KPMG TOWER,, 8 FIRST AVENUE, BANDAR UTAMA, 47800 PETALING JAYA, SELANGOR, MALAYSIA.

 

 

 

 

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MS. TEO GIM SUAN

 

IC / PP No

:

6994094

 

New IC No

:

630323-04-5374

 

Address

:

TL 435, MILE 1 ?, BEATRICE ESTATE, LABUK ROAD, P.O.BOX 2881, 90732 SANDAKAN, SABAH, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

2)

Company Secretary

:

MR. CHIN AH KEONG @ CHIN CHEE KIONG

 

IC / PP No

:

H0019599

 

New IC No

:

491129-12-5111

 

Address

:

LOT 7, PINEHILL VILLA, JALAN BOREHOLE, MILE 4, LABUK ROAD, 90000 SANDAKAN, SABAH, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

EXPORT-IMPORT BANK OF MALAYSIA BHD

 

 

 

 

 

 

 

 

 

2)

Name

:

MALAYAN BANKING BHD

 

 

 

 

 

 

 

 

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

1

20/03/1997

N/A

MALAYAN BANKING BERHAD

MYR 27,000,000.00

Unsatisfied

2

20/03/1997

N/A

MALAYAN BANKING BERHAD

MYR 5,000,000.00

Unsatisfied

3

20/03/1997

N/A

MALAYAN BANKING BERHAD

MYR 32,000,000.00

Unsatisfied

4

20/03/1997

N/A

MALAYAN BANKING BERHAD

MYR 32,000,000.00

Unsatisfied

5

04/01/2000

N/A

EXPORTIMPORT BANK OF MALAYSIA BERHAD

MYR 6,000,000.00

Satisfied

6

12/12/2000

N/A

MALAYAN BANKING BERHAD

MYR 6,000,000.00

Unsatisfied

7

16/03/2005

N/A

MALAYAN BANKING BERHAD

MYR 6,000,000.00

Unsatisfied

8

13/08/2005

N/A

MALAYAN BANKING BHD

MYR 4,150,000.00

Unsatisfied

9

13/08/2005

N/A

MALAYAN BANKING BHD

MYR 4,150,000.00

Unsatisfied

10

13/08/2005

N/A

MALAYAN BANKING BHD

MYR 38,000,000.00

Unsatisfied

11

13/08/2005

N/A

MALAYAN BANKING BHD

MYR 550,000.00

Unsatisfied

12

13/08/2005

N/A

MALAYAN BANKING BHD

MYR 3,600,000.00

Unsatisfied

13

13/08/2005

N/A

MALAYAN BANKING BHD

MYR 4,150,000.00

Unsatisfied

14

05/08/2011

DEED OF ASSIGNMENT DATED 5 AUGUST 2011

FOREST PLANTATION DEVELOPMENT SDN BHD

MYR 8,000,000.00

Unsatisfied

 

 

LEGAL CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation. Our databank consists of 99% of the wound up companies in Malaysia.

No legal action was found in our databank.


No winding up petition was found in our databank.



DEFAULTER CHECK AGAINST SUBJECT


* We have checked through the Subject in our defaulters' database which comprised of debtors that have been blacklisted by our customers and debtors that have been placed or assigned to us for collection since 1990. Information was provided by third party where the debt amount can be disputed. Please check with creditors for confirmation as alleged debts may have been paid since recorded or are being disputed.

No blacklisted record & debt collection case was found in our defaulters' databank.

 

 

PAYMENT RECORD

 

SOURCES OF RAW MATERIALS:

 

Local

:

YES

Percentage

:

100%

Overseas

:

NO

Percentage

:

0%

 

 

 

 

 

 

 

CLIENTELE

 

Local

:

YES

Percentage

:

50%

Domestic Markets

:

MALAYSIA

Overseas

:

YES

Percentage

:

50%

Export Market

:

INDIA

SINGAPORE

ASIA

Credit Term

:

30 - 60 DAYS

 

 

 

 

 

 

Payment Mode

:

TELEGRAPHIC TRANSFER (TT)
LETTER OF CREDIT (LC)
CHEQUES

Type of Customer

:

FURNITURE INDUSTRY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATIONS

 

Products manufactured

:

DRESSED TIMBER ACACIA MAGIUM, LAMINATED,MELAMINE,PARTICLEBOARD

 

 

 

Member(s) / Affiliate(s)

:

MALAYSIA EXTERNAL TRADE DEVELOPMENT CORPORATION (MATRADE)

 

 

 

 

 

Total Number of Employees:

 

YEAR

2014

2011

2010

2009

 

 

 

 

 


 

GROUP

N/A

N/A

N/A

N/A

 

 

 

 

 

COMPANY

110

150

150

150

 

 

 

 

 

 

Branch

:

YES

No of Branches

:

1

 

 

 

Branch(es)

:

LOT 533, BATU 8,OFF JALAN KAPAR, 42200 KAPAR, SELANGOR, MALAYSIA.

Tel No: 03-32906718

Fax No: 03-32906720



 

 

 

Other Information:


The Subject is principally engaged in the (as a / as an) manufacture of particle boards.

We were informed that the Subject manufactures high quality particle boards from 100% Acacia Magnum plantation wood.


The Subjec's production site is equipped with advanced technology and has designed for single flow interlocking with the PLC System (Program Logic Control System).


The Subjec's machineries are designed for continuous mass production, high precision processes and all thickness specification to ensure flexibility, consistency and most of all to enhance Quality Control.

The Subjec has a warehouse at Klang, Selangor.



CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

089-235008/235009

Match

:

N/A

 

 

 

Address Provided by Client

:

JALAN LOK YEN, SUNGAI SEGUNTOR, OFF MILES 10, LABUK ROAD,90722,SANDAKAN,SABAH MALAYSIA

Current Address

:

JALAN LOK YEN, SUNGAI SEGUNTOR, OFF MILES 10, LABUK ROAD, 90722 SANDAKAN, SABAH, MALAYSIA.

Match

:

YES

 

 

 

Latest Financial Accounts

:

NO

 

Other Investigations


On 6th August 2014, we contacted one of the staff from the Subject and she provided some information regarding the Subject.

 

 

FINANCIAL ANALYSIS

 

 

No latest financial accounts are available at the Registry Office, thus we are not able to comment on the Subject's financial performance.

 

 

 

 

 

 

 

Overall financial condition of the Subject : N/A

 

 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2009

2010

2011

2012*

2013**

 

 

 

 

 

 

Population ( Million)

28.13

28.35

28.70

29.30

29.80

Gross Domestic Products ( % )

(0.5)

7.2

5.1

5.6

5.3

Domestic Demand ( % )

2.9

6.3

8.2

9.4

5.6

Private Expenditure ( % )

(2.7)

8.1

8.2

8.0

7.4

Consumption ( % )

0.7

6.7

7.1

1.0

5.7

Investment ( % )

(17.2)

17.7

12.2

11.7

13.3

Public Expenditure ( % )

5.2

3.8

8.4

13.3

1.2

Consumption ( % )

3.1

0.2

16.1

11.3

(1.2)

Investment ( % )

8.0

2.8

(0.3)

15.9

4.2

 

 

 

 

 

 

Balance of Trade ( MYR Million )

89,650

118,356

116,058

106,300

110,700

Government Finance ( MYR Million )

(28,450)

(40,482)

(45,511)

(42,297)

(39,993)

Government Finance to GDP / Fiscal Deficit ( % )

(4.8)

(5.6)

(5.4)

(4.5)

(4.0)

Inflation ( % Change in Composite CPI)

(5.2)

5.1

3.1

1.6

2.5

Unemployment Rate

4.5

3.9

3.3

3.2

3.0

 

 

 

 

 

 

Net International Reserves ( MYR Billion )

331

329

415

427

-

Average Risk-Weighted Capital Adequacy Ratio ( % )

2.87

2.20

3.50

2.20

-

Average 3 Months of Non-performing Loans ( % )

11.08

15.30

14.80

14.70

-

Average Base Lending Rate ( % )

5.53

6.30

6.60

6.53

-

Business Loans Disbursed( % )

10.5

14.7

15.3

32.2

-

Foreign Investment ( MYR Million )

22,156.8

22,517.9

23,546.1

26,230.4

-

Consumer Loans ( % )

-

-

-

-

-

 

 

 

 

 

 

Registration of New Companies ( No. )

41,578

44,148

45,455

45,441

-

Registration of New Companies ( % )

(0.1)

6.2

3.0

(0.0)

-

Liquidation of Companies ( No. )

39,075

25,585

132,476

-

-

Liquidation of Companies ( % )

39.6

(34.5)

417.8

-

-

 

 

 

 

 

 

Registration of New Business ( No. )

312,581

271,414

284,598

324,761

-

Registration of New Business ( % )

-

-

-

-

-

Business Dissolved ( No. )

19,345

19,738

20,121

-

-

Business Dissolved ( % )

2.4

2.0

1.9

-

-

 

 

 

 

 

 

Sales of New Passenger Cars (' 000 Unit )

486.3

543.6

535.1

552.2

-

Cellular Phone Subscribers ( Million )

30.1

32.8

35.3

38.5

-

Tourist Arrival ( Million Persons )

23.6

24.6

24.7

25.0

-

Hotel Occupancy Rate ( % )

58.0

63.0

60.6

62.4

-

 

 

 

 

 

 

Credit Cards Spending ( % )

12.8

14.1

15.6

12.6

-

Bad Cheque Offenders (No.)

36,667

33,568

32,627

26,982

-

Individual Bankruptcy ( No.)

16,228

18,119

19,167

19,575

-

Individual Bankruptcy ( % )

16.7

11.7

5.8

2.1

-

 

 

 

 

 

 



INDUSTRIES ( % of Growth ):

2009

2010

2011

2012*

2013**

 

 

 

 

 

 

Agriculture

0.4

2.1

5.9

0.6

2.4

Palm Oil

(1.1)

(3.4)

10.8

(2.8)

-

Rubber

(19.8)

9.9

6.1

(0.6)

-

Forestry & Logging

(5.9)

(3.3)

(7.6)

(2.2)

-

Fishing

5.5

5.6

2.1

(0.7)

-

Other Agriculture

9.0

7.9

7.1

6.4

-

Industry Non-Performing Loans ( MYR Million )

413.7

508.4

634.1

-

-

% of Industry Non-Performing Loans

1.3

2.1

3.2

-

-

 

 

 

 

 

 

Mining

(3.8)

0.2

(5.7)

1.5

2.7

Oil & Gas

2.1

0.5

(1.7)

-

-

Other Mining

-

-

-

-

-

Industry Non-performing Loans ( MYR Million )

44.2

49.7

46.5

-

-

% of Industry Non-performing Loans

0.1

0.1

0.1

-

-

 

 

 

 

 

 

Manufacturing #

(9.4)

11.4

4.7

4.2

4.9

Exported-oriented Industries

(19.0)

12.1

2.8

4.1

-

Electrical & Electronics

(30.3)

28.4

(4.9)

1.6

-

Rubber Products

(10.1)

25.3

15.4

3.6

-

Wood Products

(24.1)

20.1

(4.9)

4.6

-

Textiles & Apparel

(19.5)

(0.4)

14.8

(7.1)

-

Domestic-oriented Industries

(9.8)

16.3

6.5

8.6

-

Food, Beverages & Tobacco

0.2

3.0

4.2

-

-

Chemical & Chemical Products

(7.7)

16.2

5.5

9.9

-

Plastic Products

(9.1)

2.4

3.8

-

-

Iron & Steel

(32.7)

29.3

2.4

-

-

Fabricated Metal Products

(2.5)

14.9

25.2

-

-

Non-metallic Mineral

(15.5)

20.2

27.1

6.6

-

Transport Equipment

(13.5)

36.5

(10.4)

13.7

-

Paper & Paper Products

(5.0)

18.7

14.8

(7.8)

-

Crude Oil Refineries

0.2

(11.4)

9.3

-

-

Industry Non-Performing Loans ( MYR Million )

6,007.3

6,217.5

6,537.2

-

-

% of Industry Non-Performing Loans

18.3

23.8

25.7

-

-

 

 

 

 

 

 

Construction

5.8

5.1

4.4

15.5

11.2

Industry Non-Performing Loans ( MYR Million )

3,241.8

4,038.5

3,856.9

-

-

% of Industry Non-Performing Loans

9.9

10.7

10.2

-

-

 

 

 

 

 

 

Services

2.6

6.5

6.4

5.5

5.6

Electric, Gas & Water

0.4

8.5

5.6

4.8

-

Transport, Storage & Communication

1.6

7.7

6.5

7.3

-

Wholesale, Retail, Hotel & Restaurant

2.8

4.7

5.2

6.9

-

Finance, Insurance & Real Estate

3.8

6.1

6.3

6.5

-

Government Services

2.0

6.7

7.6

5.6

-

Other Services

4.4

4.2

5.4

5.7

-

Industry Non-Performing Loans ( MYR Million )

6,631.3

7,384.6

6,825.2

-

-

% of Industry Non-Performing Loans

20.2

25.7

23.4

-

-

 

 

 

 

 

 

 

 

 

 

 

 

* Estimate / Preliminary

 

 

 

 

 

** Forecast

 

 

 

 

 

# Based On Manufacturing Production Index
(Source : Department of Statistics / Economic Report / Bank Negara Report)

 

 

 

 

 

 

 

 

INDUSTRY ANALYSIS

 

MSIC CODE

16212 : Manufacture of particle board and fibreboard

 

 

INDUSTRY :

MANUFACTURING

 

 

 

The Manufacturing sector is one of the important sectors to the growth of the Malaysian economy. According to Ministry of Finance, the manufacturing sector is expected to grow 4.9% in year 2013. Export oriented-industries are expected to benefit from the higher growth of global trade, while domesticoriented industries expand in line with the better consumer sentiment and business confidence. The resource-based industries are envisaged to grow steadily attributed to improved demand for petroleum, chemical, rubber and plastic products. With better job prospects and higher disposable income, the transportation equipment subsector, in particular, the passenger car segment is expected to expand.

 

Value-added of the manufacturing sector expanded 5% during the first half of 2012. Output of the sector rose 5.2% during the first sevenmonths of 2012 in line with the increase in sales value of manufactured products by 6.5% to RM363.1 billion. Output from domesticoriented industries continued to expand 8.6% while export-oriented industries grew 4.1%.

 

According to the Department of Statistics, the sales value of the Manufacturing sector in January 2013 posted a growth of 7.4% (RM3.6 billion) to record RM52.4 billion as compared to RM48.8 billion reported in year 2012. Meanwhile, month-on-month basis, the sales value has decreased by 0.4% (RM0.2 billion) as compared with the preceding month. The sales value in December 2012 has been revised positive 7.5% year-on-year to record RM52.6 billion.

 

Output of rubber products increased 3.6% in the first seven month of 2012 mainly supported by continuous demand for rubber gloves. Output of rubber gloves grew 5.9% on account of the expansion in the global healthcare industry and wider usage of gloves in other sectors. Similarly, output of catheters, especially for use in medical appliances, also registered a strong growth of 12.6%. Nevertheless, production of rubber tyres and tubes reduced 10.9% in tandem with slowing external demand from the automotive industry, especially China.

 

Meanwhile, production of wood and wood products rebounded 4.6% largely supported by higher demand for wooden and cane furniture (33.5%). The positive performance was attributed to vibrant higher demand from major export destinations such as China and the United States (US) for Malaysian-made furniture. Demand from China accelerated further following the country’s rising income level and the implementation of zero import duty on Malaysian made-furniture. Malaysia government has growth target of 6.5% for wood based furniture where estimated to reach up to RM53 billion by year 2020.The government providing pioneer status for tax exemption and investment tax allowance for this industry as a boost up step towards produce good quality product and to meet the world demand.

 

The output of chemicals and chemical products rose 9.9% in the first seven month of year 2012 on account of increasing demand for plastic products (11.8%) and basic chemicals (11.1%). External demand for plastic packaging materials surged during the early part of the year 2012, particularly from Japan and Thailand, as manufacturers resumed operations, which were interrupted by natural calamities and power outages. Chemical production are expected to show 7.5 % in year 2013 inline with Malaysia as one of the largest contributor in world Chemicals & Chemical industries.

 

Tax and non-tax incentives provided by goverment encourage manufacturers to move up the value chain of manufacturing industry. The new growth initiatives by goverment in the manufacturing sector such assolar and medial services can be important drivers of growth apart from helping to diversify the manufacturing base and contributing to the resilience of the sector.

 

 

OVERALL INDUSTRY OUTLOOK : Average Growth



CREDIT RISK EVALUATION & RECOMMENDATION

 

 


Incorporated in 1984, the Subject is a Private Limited company, focusing on manufacture of particle boards. Through time and experience, the Subject has built up a stable clientele base. The Subject is a large entity with strong capital position. However, the Subject does not have strong shareholders' backing.

Over the years, the Subject has established an extensive clientele base in the market. Besides catering to the local market, the Subject has penetrated into other countries. With the contribution of both local and overseas customers, the Subject is likely to be exposed to lower commercial risk. The Subject is a fairly large and rapidly growing company with over 110 staff in its operations. Overall, we regard that the Subject's management capability is average.

 
No latest financial accounts were filed with the Registry office during our inspection. Therefore, our comment on the Subject's overall financial performance are restricted thereto.


We noted that the Subject's supplies are solely sourced from local market. Being highly dependent on a limited number of suppliers could lead to delays, lost of revenue and increased costs if such resources become unavailable or shortage.


The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry. The Subject however faces moderate business risk as it has to compete with many well established players in the same field.

 
In view of the above, we recommend credit be granted to the Subject with close monitoring.

 



PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH MALAYSIAN FINANCIAL REPORTING STANDARDS(FRS)

JAYAKUIK SDN BHD

 

Financial Year End

2009-12-31

2008-12-31

2007-12-31

2006-12-31

2005-12-31

Months

12

12

12

12

12

Consolidated Account

GROUP

GROUP

Company

Company

Company

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

YES

Financial Type

FULL

FULL

SUMMARY

SUMMARY

SUMMARY

Currency

MYR

MYR

MYR

MYR

MYR

 

 

 

 

 

 

TURNOVER

22,931,671

25,801,747

33,349,151

38,740,485

26,333,778

 

----------------

----------------

----------------

----------------

----------------

Total Turnover

22,931,671

25,801,747

33,349,151

38,740,485

26,333,778

Costs of Goods Sold

(23,230,351)

(24,743,976)

-

-

-

 

----------------

----------------

----------------

----------------

----------------

Gross Profit

(298,680)

1,057,771

-

-

-

 

----------------

----------------

----------------

----------------

----------------

 

 

 

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

(6,699,656)

(6,641,404)

(5,418,518)

(4,111,285)

(5,271,651)

 

----------------

----------------

----------------

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

(6,699,656)

(6,641,404)

(5,418,518)

(4,111,285)

(5,271,651)

 

----------------

----------------

----------------

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

(6,699,656)

(6,641,404)

(5,418,518)

(4,111,285)

(5,271,651)

 

----------------

----------------

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

 

 

 

As previously reported

(15,574,977)

(8,933,573)

(3,515,055)

596,230

5,867,881

 

----------------

----------------

----------------

----------------

----------------

As restated

(15,574,977)

(8,933,573)

(3,515,055)

596,230

5,867,881

 

----------------

----------------

----------------

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

(22,274,633)

(15,574,977)

(8,933,573)

(3,515,055)

596,230

 

----------------

----------------

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

(22,274,633)

(15,574,977)

(8,933,573)

(3,515,055)

596,230

 

=============

=============

=============

=============

=============

 

 

 

 

 

 

INTEREST EXPENSE (as per notes to P&L)

 

 

 

 

 

Others

903,485

1,116,877

-

-

-

 

----------------

----------------

----------------

----------------

----------------

 

903,485

1,116,877

-

-

-

 

=============

=============

 

 

 

 

 

 

 

 

 

 

 

 

 

BALANCE SHEET

 

 

JAYAKUIK SDN BHD

 

ASSETS EMPLOYED:

 

 

 

 

 

FIXED ASSETS

39,989,996

42,059,022

44,113,710

46,110,208

47,299,207

 

 

 

 

 

 

 

----------------

----------------

----------------

----------------

----------------

TOTAL LONG TERM ASSETS

39,989,996

42,059,022

44,113,710

46,110,208

47,299,207

 

 

 

 

 

 

Stocks

5,289,235

6,939,896

-

-

-

Trade debtors

2,635,985

1,830,174

-

-

-

Other debtors, deposits & prepayments

245,616

616,367

-

-

-

Cash & bank balances

18,558

153,692

-

-

-

 

----------------

----------------

----------------

----------------

----------------

TOTAL CURRENT ASSETS

8,189,394

9,540,129

10,437,229

9,804,320

11,497,803

 

----------------

----------------

----------------

----------------

----------------

TOTAL ASSET

48,179,390

51,599,151

54,550,939

55,914,528

58,797,010

 

=============

=============

=============

=============

=============

 

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

 

Trade creditors

4,564,205

7,175,464

-

-

-

Other creditors & accruals

11,137,826

8,568,408

-

-

-

Hire purchase & lease creditors

33,332

29,549

-

-

-

Bank overdraft

6,974,003

7,240,183

-

-

-

Short term borrowings/Term loans

672,282

1,244,682

-

-

-

Bill & acceptances payable

2,859,000

1,321,000

-

-

-

 

----------------

----------------

----------------

----------------

----------------

TOTAL CURRENT LIABILITIES

26,240,648

25,579,286

23,083,679

20,546,114

18,414,270

 

----------------

----------------

----------------

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

(18,051,254)

(16,039,157)

(12,646,450)

(10,741,794)

(6,916,467)

 

----------------

----------------

----------------

----------------

----------------

TOTAL NET ASSETS

21,938,742

26,019,865

31,467,260

35,368,414

40,382,740

 

=============

=============

=============

=============

=============

 

 

 

 

 

 

SHARE CAPITAL

 

 

 

 

 

Ordinary share capital

15,000,000

15,000,000

15,000,000

15,000,000

15,000,000

 

----------------

----------------

----------------

----------------

----------------

TOTAL SHARE CAPITAL

15,000,000

15,000,000

15,000,000

15,000,000

15,000,000

 

 

 

 

 

 

Retained profit/(loss) carried forward

(22,274,633)

(15,574,977)

(8,933,573)

(3,515,055)

596,230

 

----------------

----------------

----------------

----------------

----------------

TOTAL RESERVES

(22,274,633)

(15,574,977)

(8,933,573)

(3,515,055)

596,230

 

 

 

 

 

 

 

----------------

----------------

----------------

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

(7,274,633)

(574,977)

6,066,427

11,484,945

15,596,230

 

 

 

 

 

 

Long term loans

3,655,919

3,715,370

-

-

-

Other long term borrowings

16,075,307

15,216,869

-

-

-

Hire purchase creditors

38,463

70,959

-

-

-

Others

9,443,686

7,591,644

-

-

-

 

----------------

----------------

----------------

----------------

----------------

TOTAL LONG TERM LIABILITIES

29,213,375

26,594,842

25,400,833

23,883,469

24,786,510

 

----------------

----------------

----------------

----------------

----------------

 

21,938,742

26,019,865

31,467,260

35,368,414

40,382,740

 

=============

=============

=============

=============

=============

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FINANCIAL RATIO

 

 

JAYAKUIK SDN BHD

 

TYPES OF FUNDS

 

 

 

 

 

Cash

18,558

153,692

-

-

-

Net Liquid Funds

(6,955,445)

(7,086,491)

-

-

-

Net Liquid Assets

(23,340,489)

(22,979,053)

(12,646,450)

(10,741,794)

(6,916,467)

Net Current Assets/(Liabilities)

(18,051,254)

(16,039,157)

(12,646,450)

(10,741,794)

(6,916,467)

Net Tangible Assets

21,938,742

26,019,865

31,467,260

35,368,414

40,382,740

Net Monetary Assets

(52,553,864)

(49,573,895)

(38,047,283)

(34,625,263)

(31,702,977)

BALANCE SHEET ITEMS

 

 

 

 

 

Total Borrowings

27,449,306

27,517,612

-

-

-

Total Liabilities

55,454,023

52,174,128

48,484,512

44,429,583

43,200,780

Total Assets

48,179,390

51,599,151

54,550,939

55,914,528

58,797,010

Net Assets

21,938,742

26,019,865

31,467,260

35,368,414

40,382,740

Net Assets Backing

(7,274,633)

(574,977)

6,066,427

11,484,945

15,596,230

Shareholders' Funds

(7,274,633)

(574,977)

6,066,427

11,484,945

15,596,230

Total Share Capital

15,000,000

15,000,000

15,000,000

15,000,000

15,000,000

Total Reserves

(22,274,633)

(15,574,977)

(8,933,573)

(3,515,055)

596,230

LIQUIDITY (Times)

 

 

 

 

 

Cash Ratio

0.00

0.01

-

-

-

Liquid Ratio

0.11

0.10

-

-

-

Current Ratio

0.31

0.37

0.45

0.48

0.62

WORKING CAPITAL CONTROL (Days)

 

 

 

 

 

Stock Ratio

84

98

-

-

-

Debtors Ratio

42

26

-

-

-

Creditors Ratio

72

106

-

-

-

SOLVENCY RATIOS (Times)

 

 

 

 

 

Gearing Ratio

(3.77)

(47.86)

-

-

-

Liabilities Ratio

(7.62)

(90.74)

7.99

3.87

2.77

Times Interest Earned Ratio

(6.42)

(4.95)

-

-

-

Assets Backing Ratio

1.46

1.73

2.10

2.36

2.69

PERFORMANCE RATIO (%)

 

 

 

 

 

Operating Profit Margin

(29.22)

(25.74)

(16.25)

(10.61)

(20.02)

Net Profit Margin

(29.22)

(25.74)

(16.25)

(10.61)

(20.02)

Return On Net Assets

(26.42)

(21.23)

(17.22)

(11.62)

(13.05)

Return On Capital Employed

(20.02)

(16.60)

(17.22)

(11.62)

(13.05)

Return On Shareholders' Funds/Equity

92.10

1,155.07

(89.32)

(35.80)

(33.80)

Dividend Pay Out Ratio (Times)

0.00

0.00

-

-

-

NOTES TO ACCOUNTS

 

 

 

 

 

Contingent Liabilities

0

0

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.41

UK Pound

1

Rs.103.42

Euro

1

Rs.82.17

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

TPT

 

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.