MIRA INFORM REPORT

 

 

Report Date :

05.12.2014

 

IDENTIFICATION DETAILS

 

Name :

THEEN SENG PAPER MANUFACTURING SDN. BHD.

 

 

Registered Office :

17, Jalan Ipoh Kecil, 3rd Floor, 50350 Kuala Lumpur, Wilayah Persekutuan

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

03.10.1970

 

 

Com. Reg. No.:

10023-D

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Manufacturer of Papers

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

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 – 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.

:

10023-D

COMPANY NAME

:

THEEN SENG PAPER MANUFACTURING SDN. BHD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

03/10/1970

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

17, JALAN IPOH KECIL, 3RD FLOOR, 50350 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

BUSINESS ADDRESS

:

BATU 32, JALAN IPOH, RASA, ULU SELANGOR, 44200 RASA, SELANGOR, MALAYSIA.

TEL.NO.

:

03-60573101

FAX.NO.

:

03-60573250

EMAIL

:

TSPMSB@TM.NET.MY

WEB SITE

:

WWW.THEENSENG.COM

CONTACT PERSON

:

KEVIN LAI ( MANAGING DIRECTOR )

INDUSTRY CODE

:

17

PRINCIPAL ACTIVITY

:

PAPER MANUFACTURERS

AUTHORISED CAPITAL

:

MYR 25,000,000.00 DIVIDED INTO
ORDINARY SHARE 20,000,000.00 OF MYR 1.00 EACH.
PREFERENCE SHARE 5,000,000.00 OF MYR 1.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 17,642,799.00 DIVIDED INTO
ORDINARY SHARES 14,639,229 CASH OF MYR 1.00 EACH.
PREFERENCE SHARES 3,003,570 CASH OF MYR 1.00 EACH.

SALES

:

MYR 44,378,734 [2012]

NET WORTH

:

MYR 35,374,346 [2012]

STAFF STRENGTH

:

N/A

BANKER (S)

:

OCBC BANK (MALAYSIA) BHD
PUBLIC BANK BHD
AMBANK (M) BHD
BANGKOK BANK BHD
RHB  BANK BHD
OVERSEA-CHINESE BANKING CORPORATION LIMITED

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

POOR

PAYMENT

:

GOOD

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

GOOD

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) paper manufacturers.

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

The SC's computer systems are Y2K compliant.

 

Share Capital History

Date

Authorised Shared Capital

Issue & Paid Up Capital

20/06/2014

MYR 25,000,000.00

MYR 17,642,799.00

21/05/2014

MYR 25,000,000.00

MYR 16,158,607.00

15/02/2013

MYR 25,000,000.00

MYR 14,894,207.00

15/09/2011

MYR 25,000,000.00

MYR 12,201,828.00

16/10/2003

MYR 25,000,000.00

MYR 9,808,991.00

22/05/2002

MYR 25,000,000.00

MYR 7,995,001.00

30/09/1996

MYR 10,000,000.00

MYR 6,761,480.00

04/10/1993

MYR 10,000,000.00

MYR 6,600,001.00

 

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

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

TAN LAI KIM (HOLDINGS) SDN. BHD.

BANGUNAN TAN LAI KIM, 160, BATU 3 1/4, JALAN KELANG LAMA, 58000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

29164W

5,690,053.00

32.25

KWANG TEOW SANG SDN BHD

48, JALAN TUN TAN SIEW SIN, 50050 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

5611W

2,753,302.00

15.61

DATO' LAI TAK KUAN +

31, JALAN 2/28, 46000 PETALING JAYA, SELANGOR, MALAYSIA.

551020-10-6031 4840438

1,935,000.00

10.97

MR. NG BOO KEAN @ NG BEH KIAN

12, JALAN U THANT, 55000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

321114-10-5095 3664477

740,500.00

4.20

MR. TAN CHEONG HEE @ TAN PECK HEE +

11, JALAN 19/32, 46300 PETALING JAYA, SELANGOR, MALAYSIA.

330416-10-5335 0556880

692,677.00

3.93

DEVENTURE SDN. BHD.

68, JALAN SS2/53, 47300 PETALING JAYA, SELANGOR, MALAYSIA.

151884D

605,400.00

3.43

TAN SRI DATO' TAN LAI KIM

19, JALAN NUSA, BUKIT MAS, TAMAN DUTA, 50480 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

300822-08-5117 3301908

539,935.00

3.06

MR. CHAN CHOY TUCK

23, JALAN SS2/22, 47300 PETALING JAYA, SELANGOR, MALAYSIA.

631027-10-6675 7219661

500,000.00

2.83

MR. CHAN CHOY SANG

29, JALAN 20/11, 46300 PETALING JAYA, SELANGOR, MALAYSIA.

530824-10-5285 4575781

500,000.00

2.83

MR. CHAN CHOY TOONG

29, JALAN 20/11, 46300 PETALING JAYA, SELANGOR, MALAYSIA.

550215-10-5747 4806441

500,000.00

2.83

MHC PLANTATION BHD

KOMPLEKS PEJABAT BEHRANG, 2020, JALAN PERSEKUTUAN 1, P.O. BOX 9, 35900 TANJONG MALIM, PERAK, MALAYSIA.

4060V

492,911.00

2.79

QUAH KWEE TECK @ QUAH QUEE TECK

12, JALAN U THANT, 55000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

360525-01-5694 3664474

429,000.00

2.43

THE ESTATE OF TAN KIM HONG (DECEASED)
[ORDINARY (287261) & PREFERENCES (99712)]

48, JALAN TUN TAN SIEW SIN, 50050 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

210617-10-5183 000005171

386,973.00

2.19

W.K. TEH HOLDINGS SDN. BHD.

14-3, FABERIA, JALAN DESA SENTOSA, TAMAN DESA, 58100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

48778X

280,993.00

1.59

MR. TAN POH THYE +

19, JALAN NUSA, TAMAN DUTA, 50480 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

590412-10-6489 5583068

271,976.00

1.54

SOUTHERN EDIBLE OIL INDUSTRIES (M) SDN. BHD.

WISMA SOUTHERN, 26-34, JALAN DATO HAMZAH, 6TH FLOOR, 41000 KLANG, SELANGOR, MALAYSIA.

13087H

171,150.00

0.97

TAN TIAM FOH & TAN TIAM LAI

940, KAWASAN TAMBAHAN, KAMPUNG SUNGAI CHIK, 44300 BATANG KALI, SELANGOR, MALAYSIA.

000009853

122,767.00

0.70

MR. TAN THAI HONG @ TANG KHAI HONG

48, JALAN TUN TAN SIEW SIN, 50050 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

230612-10-5019 1142684

118,490.00

0.67

PETALING JAYA NOMINEES SDN BHD

11, JALAN NUSA, BUKIT TUNKU, 50480 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

8332W

111,929.00

0.63

MRS. YVONNE TAN @ PUN YUEN YEU
[ORDINARY (81000) & PREFERENCES (27830)]

48, JALAN TUN TAN SIEW SIN, 50050 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

251105-10-5068 1142685

108,830.00

0.62

MR. TAN MENG CHIN

7, JALAN TAMAN SEPUTEH 7, TAMAN SEPUTEH, BATU 2 1/2, JALAN KLANG, 58000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

470509-10-5523 3301442

89,955.00

0.51

MR. WEE KEOW YEN

26, JALAN MANDA'RINA DAMAI, BUKIT MANDA'RINA, 2ND ENCLAVE, 56000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

531120-10-5863 8375398

68,250.00

0.39

DR THIAGARAJAH A/L RETNASAMY

37, JALAN NGP 2/6, NEW GREEN PARK, 44200 RASA, SELANGOR, MALAYSIA.

460727-10-5063 8059059

68,250.00

0.39

MS. TEE YAP

177-A, LORONG 7, JALAN PANJANG, 75000 MELAKA, MELAKA, MALAYSIA.

260614-04-5168 3333409

63,000.00

0.36

MR. TANG BAN CHUAN

17, LINTASAN PERAJURIT 13, IPOH GARDEN EAST, 31400 IPOH, PERAK, MALAYSIA.

560614-08-5789 4985425

62,894.00

0.36

NG CHEE YEW SDN BHD

1-A, TEMPLER ROAD, 70200 SEREMBAN, NEGERI SEMBILAN, MALAYSIA.

4908T

48,558.00

0.28

MS. LIM MOI @ SENING

460, JALAN JAMBU AIR MAWAR, JINJANG SELATAN, 52000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

251029-10-5014 1732815

48,511.00

0.27

THE ESTATE OF TAN SRI OSMAN BIN TALIB (DECEASED)

UNIT A-11-13, MENARA UOB BANGSAR, 5, JALAN BANGSAR UTAMA 1, 59000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

4174696

46,199.00

0.26

HUSSEIN NOORDIN SDN. BHD.

SUITE 54B, JALAN DATUK SULAIMAN, TAMAN TUN DR ISMAIL, 2ND FLOOR, 60000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

8925H

41,580.00

0.24

SHEE CHOON YING

18-5-6, DESA VILLA CONDO, JALAN 3/109B, TAMAN BUKIT DESA, 58100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

330126-08-5014 1166887

33,075.00

0.19

MS. CHIA AI KOONG

94, JALAN SS20/11, DAMANSARA UTAMA, 47400 PETALING JAYA, SELANGOR, MALAYSIA.

550621-10-6358

23,100.00

0.13

THE ESTATE OF DATO' SERI HUSSEIN BIN MOHD NOORDIN

SUITE 54B, JALAN DATUK SULAIMAN, TAMAN TUN DR. ISMAIL, 2ND FLOOR, 60000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

4014444

20,999.00

0.12

LAI POH TENG

10, JALAN 19, DESA JAYA KEPONG, 52100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

0862555

17,640.00

0.10

MS. GOH GEIK KEE

20, PESIARAN PENGKALAN BARAT 7, TAMAN RASA SAYANG, 31650 IPOH, PERAK, MALAYSIA.

330812-08-5006 0580535

14,000.00

0.08

LIM CHANG & LIM WEE KANG

26, JALAN TENGGIRI, 1542, SINGAPORE.

000010041

13,651.00

0.08

MR. YAP YEN KAI

194, RAMAH MURAH, JALAN PADANG TEMBAK, 44000 KUALA KUBU BARU, SELANGOR, MALAYSIA.

411226-10-5099 3668043

12,600.00

0.07

ONG KIM GEOK

23, JALAN HABIB ABDULLAH, TAMAN MERDEKA, 30100 IPOH, PERAK, MALAYSIA.

330119-08-5454 0580548

10,501.00

0.06

MR. CHAN CHUN POOI

29, JALAN 20/11, 46300 PETALING JAYA, SELANGOR, MALAYSIA.

270913-10-5019 0519900

5,000.00

0.03

CHONG YOONG YIN

51, HOOVER PARK, OFF HOSE PARK, 36000 TELUK INTAN, PERAK, MALAYSIA.

1081986

2,625.00

0.01

LIM HENG LIP (DECEASED)

5, JALAN KELABU 1, KEPONG BAHRU, 52100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

251025-10-5121 4477916

525.00

0.00

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

------

17,642,799.00

100.00

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

=====

+ Also Director

 

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

 

Local No

Country

Company

(%)

As At

885418W

MALAYSIA

TSP DISTRIBUTION SDN. BHD.

100.00

31/12/2013

531895T

MALAYSIA

WORLDCLASS SETUP SDN. BHD.

100.00

31/12/2013

152640T

MALAYSIA

THEEN SENG PAPER TRADING SDN. BHD.

100.00

31/12/2013

56632A

MALAYSIA

HOCK LONG PAPER SDN. BHD.

100.00

31/12/2013

165733K

MALAYSIA

NAJAMAS SDN. BHD.

100.00

31/12/2013

164601K

MALAYSIA

NAGAKAYA CORPORATION SDN. BHD.

100.00

31/12/2013

187910X

MALAYSIA

SOFT-CARE SDN. BHD.

100.00

31/12/2013

728747K

MALAYSIA

BIOFUEL ENERGY RESOURCES SDN. BHD.

100.00

31/12/2013



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

MR. JIMMY TAN @ TAN MENG KOW

Address

:

48, JALAN SILANG, 50050 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

IC / PP No

:

3958225

New IC No

:

430721-10-5399

Date of Birth

:

21/07/1943

Nationality

:

MALAYSIAN

Date of Appointment

:

07/05/2004

 

DIRECTOR 2

 

Name Of Subject

:

MR. TAN POH THYE

Address

:

19, JALAN NUSA, TAMAN DUTA, 50480 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

IC / PP No

:

5583068

New IC No

:

590412-10-6489

Date of Birth

:

12/04/1959

Nationality

:

MALAYSIAN

Date of Appointment

:

19/05/2004

 

DIRECTOR 3

 

Name Of Subject

:

MR. TAN CHEONG HEE @ TAN PECK HEE

Address

:

11, JALAN 19/32, 46300 PETALING JAYA, SELANGOR, MALAYSIA.

IC / PP No

:

0556880

New IC No

:

330416-10-5335

Date of Birth

:

16/04/1933

Nationality

:

MALAYSIAN

Date of Appointment

:

09/09/1995

 

DIRECTOR 4

 

Name Of Subject

:

DATO' LAI TAK KUAN

Address

:

31, JALAN 2/28, 46000 PETALING JAYA, SELANGOR, MALAYSIA.

IC / PP No

:

4840438

New IC No

:

551020-10-6031

Date of Birth

:

20/10/1955

Nationality

:

MALAYSIAN

Date of Appointment

:

12/01/1993



MANAGEMENT

 

 

 

1)

Name of Subject

:

KEVIN LAI

Position

:

MANAGING DIRECTOR

 

 

AUDITOR

 

Auditor

:

PAUL CHUAH & CO.

Auditor' Address

:

17, JALAN IPOH KECIL, 2ND FLOOR, 50350 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MS. TAM FONG YING

IC / PP No

:

A0768477

New IC No

:

671015-06-5016

Address

:

B-7-17, ARENA GREEN APARTMENTS, 3, JALAN 1/155A, BUKIT JALIL, 57000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

2)

Company Secretary

:

MS. HO MUN YEE

IC / PP No

:

7358732

New IC No

:

640510-10-7824

Address

:

6, JALAN 6/39, TAMAN PETALING, KEPONG BARU, 52100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

OCBC BANK (MALAYSIA) BHD

 

2)

Name

:

PUBLIC BANK BHD

 

3)

Name

:

AMBANK (M) BHD

 

4)

Name

:

BANGKOK BANK BHD

 

5)

Name

:

RHB BANK BHD

 

6)

Name

:

OVERSEA-CHINESE BANKING CORPORATION LIMITED

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

3

14/03/1979

N/A

BANGKOK BANK LTD

MYR 500,000.00

Satisfied

4

14/03/1979

N/A

BANGKOK BANK LTD

MYR 500,000.00

Satisfied

5

04/04/1984

N/A

BANGKOK BANK LTD

MYR 500,000.00

Satisfied

6

04/07/1987

DEBENTURE & CHARGE

OCBC BANK MALAYSIA BERHAD

MYR 700,000.00

Satisfied

7

04/07/1987

N/A

OCBC BANK MALAYSIA BERHAD

MYR 1,600,000.00

Satisfied

8

12/07/1989

FIXED LEGAL LAND CHARGE & DEBENTURE

OVERSEA-CHINESE BANKING CORPORATION LIMITED

MYR 1,430,000.00

Satisfied

9

26/06/1991

FIXED FIRST LEGAL CHARGE

OVERSEA-CHINESE BANKING CORPORATION LIMITED

MYR 1,250,000.00

Satisfied

10

19/07/1995

FIRST LEGAL LAND CHARGE

OCBC BANK (MALAYSIA) BERHAD

MYR 5,100,000.00

Satisfied

11

19/07/1995

FIFTH LEGAL LAND CHARGE

OCBC BANK MALAYSIA BERHAD

MYR 2,500,000.00

Satisfied

12

20/06/1996

SECOND LEGAL LAND CHARGE

OCBC FINANCE BERHAD

MYR 2,000,000.00

Satisfied

13

20/06/1996

SIXTH LEGAL LAND CHARGE

OCBC FINANCE BERHAD

MYR 2,000,000.00

Satisfied

14

17/11/1999

N/A

OCBC BANK MALAYSIA BERHAD

MYR 1,000,000.00

Satisfied

15

17/11/1999

N/A

OCBC BANK MALAYSIA BERHAD

MYR 1,000,000.00

Satisfied

16

26/03/2003

DEBENTURE

OCBC BANK (MALAYSIA) BERHAD

MYR 316,000.00

Satisfied

17

15/09/2003

N/A

OCBC BANK MALAYSIA BERHAD

MYR 2,000,000.00

Unsatisfied

18

02/01/2004

SEVENTH AND EIGHTH CHARGES

OCBC BANK MALAYSIA BERHAD

MYR 3,000,000.00

Satisfied

19

15/07/2004

NINTH & SIXTH CHARGE

OCBC BANK (MALAYSIA) BERHAD

MYR 2,000,000.00

Satisfied

20

09/09/2005

FACILITIES AGREEMENT

PUBLIC BANK BHD

-

Unsatisfied

21

09/09/2005

FACILITIES AGREEMENT

PUBLIC BANK BHD

-

Unsatisfied

22

09/09/2005

FACILITIES AGREEMENT

PUBLIC BANK BHD

-

Unsatisfied

23

21/09/2005

FACILITIES AGREEMENT, CHARGE ANNEXURE & LETTER OF GUARANTEE

PUBLIC BANK BHD

MYR 1,500,000.00

Unsatisfied

24

24/09/2008

SUPPLEMENTAL AGREEMENT

PUBLIC BANK BHD

-

Unsatisfied

25

11/05/2010

FACILITIES AGREEMENT

PUBLIC BANK BHD

-

Unsatisfied

26

10/05/2011

THIRD PARTY FIRST LEGAL CHARGE

AMBANK (M) BHD

MYR 5,000,000.00

Unsatisfied

27

24/05/2011

FACILITIES AGREEMENT

PUBLIC BANK BHD

-

Unsatisfied

28

16/12/2011

FACILITIES AGREEMENT

PUBLIC BANK BHD

-

Unsatisfied

29

27/11/2013

LETTER OF SET-OFF

PUBLIC BANK BERHAD

-

Unsatisfied

30

18/03/2014

FACILITIES AGREEMENT AND LETTER OF SET-OFF

RHB BANK BHD

MYR 1,000,000.00

Unsatisfied

31

16/05/2014

FACILITIES AGREEMENT, CHARGE & ANNEXURE AND LETTER OF PLEDGE

PUBLIC BANK BERHAD

-

Unsatisfied

32

19/06/2014

FACILITIES AGREEMENT, CHARGE & ANNEXURE AND LETTER OF PLEDGE

PUBLIC BANK BERHAD

-

Unsatisfied

 

 

LITIGATION 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.

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

 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

YES

Overseas

:

YES



The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

]

Good 31-60 Days

[

X

]

Average 61-90 Days

[

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

MALAYSIA

Overseas

:

YES

Export Market

:

ASIA

MIDDLE EAST

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

OPERATIONS

 

Products manufactured

:

JOSS PAPER, INDUSTRIAL PAPER & TISSUE PAPER

Member(s) / Affiliate(s)

:

SMI ASSOCIATION OF MALAYSIA

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) paper manufacturers.

The Subject is a renowned manufacturer and exporter of a wide range of recycled specialty paper using the latest technologies.

The Subject's products include Joss Paper, Kraft Paper, Toilet Roll, Servi¬ettes, Paper Bag, Laminated Kraft Paper, Food Packaging Paper & Industrial use Kraft Paper.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

03-60573101

Match

:

N/A

Address Provided by Client

:

TRADE FINANCE CENTRE 24TH FLOOR MENARA PUBLIC BANK 146 JALAN AMPANG 50460 KUALA LUMPUR

Current Address

:

BATU 32, JALAN IPOH, RASA, ULU SELANGOR, 44200 RASA, SELANGOR, MALAYSIA.

Match

:

NO

Latest Financial Accounts

:

YES

 

Other Investigations


On 2nd December 2014 we contacted one of the staff from the Subject and she provided some information.

The Subject refused to disclose its number of employees.

The Subject is not aware of the address provided.



FINANCIAL ANALYSIS

 

 

Profitability

Turnover

:

Increased

[

2008 - 2012

]

Profit/(Loss) Before Tax

:

Increased

[

2008 - 2012

]

Return on Shareholder Funds

:

Unfavourable

[

2.04%

]

Return on Net Assets

:

Unfavourable

[

5.76%

]

The Subject's turnover increased steadily as the demand for its products / services increased due to the goodwill built up over the years.The higher profit could be attributed to the increase in turnover. The unfavourable return on shareholders' funds could indicate that the Subject was inefficient in utilising its assets to generate returns.

Working Capital Control

Stock Ratio

:

Unfavourable

[

330 Days

]

Debtor Ratio

:

Unfavourable

[

65 Days

]

Creditors Ratio

:

Favourable

[

17 Days

]

The Subject could be incurring higher holding cost. As its capital was tied up in stocks, it could face liquidity problems. The high debtors' ratio could indicate that the Subject was weak in its credit control. However, the Subject could also giving longer credit periods to its customers in order to boost its sales or to capture / retain its market share. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

Liquidity

Liquid Ratio

:

Unfavourable

[

0.40 Times

]

Current Ratio

:

Unfavourable

[

1.65 Times

]

A low liquid ratio means that the Subject may be facing working capital deficiency. If the Subject cannot obtain additional financing or injection of fresh capital, it may face difficulties in meeting its short term obligations.

Solvency

Interest Cover

:

Unfavourable

[

1.62 Times

]

Gearing Ratio

:

Acceptable

[

0.97 Times

]

The Subject's interest cover was low. If its profits fall or when interest rate rises, it  may not be able to meet all its interest payment. The Subject's gearing was slightly high. The Subject is utilising the leverage concept to fund its expansion. However, the high gearing has added financial risks to the Subject. It will be more vulnerable in times of economy downturn.

Overall Assessment :

Generally, the Subject's performance has improved with higher turnover and profit. Due to its weak liquidity position, the Subject will be faced with problems in meeting all its short term obligations if no short term loan is obtained or additional capital injected into the Subject. If there is a fall in the Subject's profit or any increase in interest rate, the Subject may not be able to generate sufficient cash-flow to service its interest. The Subject's gearing was slightly high and its financial risk was also high. If no plans are made to reduce its gearing, the Subject's performance may deteriorate in the coming year.

Overall financial condition of the Subject : POOR

 

 


 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2011

2012

2013

2014*

2015**

Population ( Million)

28.7

29.3

29.8

30.3

30.5

Gross Domestic Products ( % )

5.1

5.6

5.3

6.0

6.0

Domestic Demand ( % )

8.2

9.4

5.6

6.4

6.2

Private Expenditure ( % )

8.2

8.0

8.6

7.9

6.9

Consumption ( % )

7.1

1.0

5.7

6.5

5.6

Investment ( % )

12.2

11.7

13.3

12.0

10.7

Public Expenditure ( % )

8.4

13.3

4.4

2.3

4.2

Consumption ( % )

16.1

11.3

(1.2)

2.1

3.8

Investment ( % )

(0.3)

15.9

4.2

2.6

4.7

Balance of Trade ( MYR Million )

116,058

106,300

71,298

52,314

-

Government Finance ( MYR Million )

(45,511)

(42,297)

(39,993)

(37,291)

-

Government Finance to GDP / Fiscal Deficit ( % )

(5.4)

(4.5)

(4.0)

(3.5)

(3.0)

Inflation ( % Change in Composite CPI)

3.1

1.6

2.5

3.3

4.0

Unemployment Rate

3.3

3.2

3.0

3.0

3.0

Net International Reserves ( MYR Billion )

415

427

-

417

-

Average Risk-Weighted Capital Adequacy Ratio ( % )

3.50

2.20

-

-

-

Average 3 Months of Non-performing Loans ( % )

14.80

14.70

-

-

-

Average Base Lending Rate ( % )

6.60

6.53

6.53

-

-

Business Loans Disbursed( % )

15.3

32.2

-

-

-

Foreign Investment ( MYR Million )

23,546.1

26,230.4

38,238.0

-

-

Consumer Loans ( % )

-

-

-

-

-

Registration of New Companies ( No. )

45,455

45,441

46,321

-

-

Registration of New Companies ( % )

3.0

(0.0)

1.9

-

-

Liquidation of Companies ( No. )

132,485

17,092

26,430

-

-

Liquidation of Companies ( % )

417.8

(87.1)

54.6

-

-

Registration of New Business ( No. )

284,598

324,761

329,895

-

-

Registration of New Business ( % )

5.0

14.0

2.0

-

-

Business Dissolved ( No. )

20,121

20,380

18,161

-

-

Business Dissolved ( % )

1.9

1.3

(10.9)

-

-

Sales of New Passenger Cars (' 000 Unit )

535.1

552.2

576.7

598.4

610.3

Cellular Phone Subscribers ( Million )

35.3

38.5

43.0

43.8

-

Tourist Arrival ( Million Persons )

24.7

25.0

25.7

28.0

-

Hotel Occupancy Rate ( % )

60.6

62.4

62.6

-

-

Credit Cards Spending ( % )

15.6

12.6

-

-

-

Bad Cheque Offenders (No.)

32,627

26,982

28,876

-

-

Individual Bankruptcy ( No.)

19,167

19,575

21,984

-

-

Individual Bankruptcy ( % )

5.8

2.1

12.3

-

-

 

INDUSTRIES ( % of Growth ):

2011

2012

2013

2014*

2015**

Agriculture

5.8

1.0

2.1

3.8

3.1

Palm Oil

10.8

(0.3)

2.6

6.7

-

Rubber

6.1

(7.9)

(10.1)

(10.4)

-

Forestry & Logging

(7.6)

(4.5)

(7.8)

(4.2)

-

Fishing

2.1

4.3

1.6

2.7

-

Other Agriculture

7.1

6.4

8.2

6.2

-

Industry Non-Performing Loans ( MYR Million )

634.1

-

-

-

-

% of Industry Non-Performing Loans

3.2

-

-

-

-

Mining

(5.4)

1.4

0.9

(0.8)

2.8

Oil & Gas

(1.7)

-

-

-

-

Other Mining

-

-

-

-

-

Industry Non-performing Loans ( MYR Million )

46.5

-

-

-

-

% of Industry Non-performing Loans

0.1

-

-

-

-

Manufacturing #

4.7

4.8

3.4

6.6

5.5

Exported-oriented Industries

4.1

6.5

3.3

5.6

-

Electrical & Electronics

(4.0)

12.7

6.9

13.3

-

Rubber Products

20.7

3.0

11.7

(0.3)

-

Wood Products

(5.1)

8.7

(2.7)

5.1

-

Textiles & Apparel

13.2

(7.1)

(2.6)

11.5

-

Domestic-oriented Industries

10.7

1.7

6.8

9.4

-

Food, Beverages & Tobacco

4.80

2.70

3.60

6.13

6.13

Chemical & Chemical Products

10.0

10.8

5.6

-

-

Plastic Products

3.8

-

-

-

-

Iron & Steel

2.2

(6.6)

5.0

0.1

-

Fabricated Metal Products

21.8

13.8

9.9

2.9

-

Non-metallic Mineral

12.1

2.9

(2.0)

5.4

-

Transport Equipment

12.0

3.4

13.8

22.9

-

Paper & Paper Products

9.5

3.1

1.8

4.7

-

Crude Oil Refineries

9.3

-

-

-

-

Industry Non-Performing Loans ( MYR Million )

6,537.2

-

-

-

-

% of Industry Non-Performing Loans

25.7

-

-

-

-

Construction

4.7

18.6

10.9

12.7

10.7

Industry Non-Performing Loans ( MYR Million )

3,856.9

-

-

-

-

% of Industry Non-Performing Loans

10.2

-

-

-

-

Services

7.1

6.4

5.9

5.9

5.6

Electric, Gas & Water

3.5

4.4

4.2

3.6

3.9

Transport, Storage & Communication

6.50

7.10

7.30

7.50

7.15

Wholesale, Retail, Hotel & Restaurant

5.2

4.7

5.9

6.9

6.5

Finance, Insurance & Real Estate

6.90

9.70

3.70

4.65

4.25

Government Services

12.4

9.4

8.3

6.1

5.6

Other Services

5.1

3.9

5.1

4.8

4.5

Industry Non-Performing Loans ( MYR Million )

6,825.2

-

-

-

-

% of Industry Non-Performing Loans

23.4

-

-

-

-

* Estimate / Preliminary

** Forecast

# Based On Manufacturing Production Index

INDUSTRY ANALYSIS

 

MSIC CODE

17 : MANUFACTURE OF PAPER AND PAPER PRODUCTS

INDUSTRY :

MANUFACTURING

The manufacturing sector is expected to grow by 5.5% in 2015. It will be bolstered by strong domestic and export-oriented industries in line with growing investment activities and favorable external demand. Moreover, in 2014, the manufacturing sectors have spearheading growth. The manufacturing sector is estimated to grow at a faster pace in 2014 on higher exports of electronics and electrical (E&E) products as external demand improves.

The manufacturing sector expanded strongly during the first half of 2014, the highest growth in three years, spurred by higher global semiconductor sales. Value-added of the manufacturing sector expanded 7.1% during the first half of 2014. Production of the sector rose 6.6% in the first seven months of 2014 supported by resilient domestic demand and recovery in the external sector during the first seven months of the years. The sales value of manufactured products rebounded by 7.7% in the first seven months of 2014. The strong performance of the sector was on account of higher output at 9.4% from the domestic-oriented industries, particularly transport equipment, food and beverage.

The manufacturing sector continued to attract domestic and foreign investment with investment approved by Malaysian Investment Development Authority (MIDA) totaling RM47.4 billion during the first six months of 2014, mainly from Japan, China and Germany. Meanwhile, the capacity utilization rate remained steady at 80.4% during the second quarter of 2014 while average wage per employee and productivity improved to RM2,772 per month and 5.9%, respectively during the first seven months of 2014. Boosted by favorable domestic economic activity and recovery in the external sector, the manufacturing sector is expected to record a better performance with growth of 6.4% in 2014.

In the meantime, production of wood products rebounded by 5.1% largely supported by higher output in the saw-milling and planning of wood segment at 25.9% during the first seven months of 2014. The positive performance was attributed to vibrant residential and commercial construction activities which contributed to increased use of timber frame and glued laminated timber for cost savings compared to the use of concrete and steel. Increased demand from major export destination such as the US, Japan and Australia for Malaysian made furniture contributed to the higher output, particularly wooden and cane furniture which rebounded by 2.2%.

Production of rubber products contracted 0.3% in the first seven months of 2014 on account of slower demand for rubber gloves and rubber tyres. The decline in rubber tyres for vehicles was due to the weaker external demand from the automotive industry, particularly from China. Output of other rubber products contracted 3.8% following the product shift from rubber-based to plastics, silicones and metal alloys in the manufacture of medical devices.

Besides, exports of manufactured products are expected to grow 6.1% in 2014 boosted by the growing demand from advanced economies. However, during the first seven months of 2014, manufactured exports surged 11.4%. The robust growth was buoyed by strengthening demand in the US and EU, reflecting significant exposure of Malaysian exports to the economic performance in the advance economies. The strength in export was broad-based with robust growth in both E&E and non- E&E subsectors.

Under budget 2015, the Government will provide incentive in the form of capital allowance on automation expenditure to encourage automation in the manufacturing sector, which may help in the manufacturing sector.

OVERALL INDUSTRY OUTLOOK : Average Growth



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 1970, the Subject is a Private Limited company, focusing on paper manufacturers. The Subject has been in business for over two decades. It has built up a strong clientele base and good reputation will enable the Subject to further enhance its business in the near term. The Subject is expected to enjoy a stable market shares. The Subject is a large entity with strong capital position of MYR 17,642,799. We are confident with the Subject's business and its future growth prospect. Having strong support from its shareholders has enabled the Subject to remain competitive despite the challenging business environment.


Over the years, the Subject has penetrated into both the local and overseas market. The Subject has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the Subject to further enhance its business in the near term. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.


We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. The Subject has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. Due to its weak liquidity position, the Subject may face working capital deficiency in meeting its short term financial obligations if no fresh capital are injected into the Subject. The gearing level of the Subject is slightly high, therefore it faces moderate financial risk. Given a positive net worth standing at MYR 35,374,346, the Subject should be able to maintain its business in the near terms.


Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises. The Subject's supplier are from both the local and overseas countries. This will eliminates the risk of dependency on deliveries from a number of key suppliers and insufficient quantities of its raw materials. Overall the Subject has a good control over its resources.


Overall, the Subject's payment habit is good as the Subject has a good credit control and it could be taking advantage of the cash discounts while maintaining a good reputation with its creditors.


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.


Based on the above condition, we recommend credit be granted to the Subject normally.




PROFIT AND LOSS ACCOUNT

 

 

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

THEEN SENG PAPER MANUFACTURING SDN. BHD.

 

Financial Year End

2012-12-31

2011-12-31

2010-12-31

2009-12-31

2008-12-31

Months

12

12

12

12

12

Consolidated Account

GROUP

GROUP

GROUP

GROUP

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

44,378,734

38,542,777

38,185,693

34,990,413

40,825,732

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

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

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

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

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

Total Turnover

44,378,734

38,542,777

38,185,693

34,990,413

40,825,732

Costs of Goods Sold

(37,503,802)

(32,092,817)

-

-

-

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

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

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

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

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

Gross Profit

6,874,932

6,449,960

-

-

-

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

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

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

984,952

136,284

883,992

1,681,329

1,372,277

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

984,952

136,284

883,992

1,681,329

1,372,277

Taxation

(264,123)

68,227

(267,991)

(546,518)

(764,840)

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

720,829

204,511

616,001

1,134,811

607,437

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

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

18,610,420

18,986,948

18,719,571

17,933,384

19,636,916

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

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

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

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

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

As restated

18,610,420

18,986,948

18,719,571

17,933,384

19,636,916

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

19,331,249

19,191,459

19,335,572

19,068,195

20,244,353

TRANSFER TO RESERVES - General

-

(581,039)

-

-

-

DIVIDENDS - Ordinary (paid & proposed)

-

-

(348,624)

(348,624)

(1,162,079)

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

19,331,249

18,610,420

18,986,948

18,719,571

19,082,274

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

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

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Bank overdraft

910,217

1,262,721

-

-

-

Bankers' acceptance

207,427

179,693

-

-

-

Hire purchase

10,678

13,304

-

-

-

Revolving loans

-

15,979

-

-

-

Term loan / Borrowing

433,077

286,095

-

-

-

Trust receipts

18,902

22,428

-

-

-

Others

-

25,225

-

-

-

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

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

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

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

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

1,580,301

1,805,445

-

-

-

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

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

 

 

 

BALANCE SHEET

 

 

THEEN SENG PAPER MANUFACTURING SDN. BHD.

 

ASSETS EMPLOYED:

FIXED ASSETS

23,299,100

18,478,549

19,610,958

21,336,636

22,757,924

Investments

8,286

8,286

-

-

-

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

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

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

8,286

8,286

8,286

8,286

0

Goodwill on consolidation

230,382

82,612

-

-

-

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

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

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

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

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

TOTAL INTANGIBLE ASSETS

230,382

82,612

-

-

-

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

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

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

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

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

TOTAL LONG TERM ASSETS

23,537,768

18,569,447

19,619,244

21,344,922

22,757,924

Stocks

40,182,542

40,596,333

-

-

-

Trade debtors

7,933,532

7,593,311

-

-

-

Other debtors, deposits & prepayments

707,442

712,171

-

-

-

Short term deposits

2,300,398

2,231,438

-

-

-

Cash & bank balances

1,933,863

625,269

-

-

-

Others

107,370

84,212

-

-

-

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

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

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

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

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

TOTAL CURRENT ASSETS

53,165,147

51,842,734

45,399,280

41,052,679

39,514,348

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

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

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

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

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

TOTAL ASSET

76,702,915

70,412,181

65,018,524

62,397,601

62,272,272

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

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

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

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

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

CURRENT LIABILITIES

Trade creditors

1,778,935

2,321,869

-

-

-

Other creditors & accruals

4,011,720

3,637,792

-

-

-

Hire purchase & lease creditors

121,800

100,911

-

-

-

Bank overdraft

20,711,839

19,199,859

-

-

-

Short term borrowings/Term loans

846,791

820,552

-

-

-

Other borrowings

506,564

151,583

-

-

-

Bill & acceptances payable

4,083,000

4,125,000

-

-

-

Provision for taxation

140,206

82,096

-

-

-

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

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

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

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

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

TOTAL CURRENT LIABILITIES

32,200,855

30,439,662

27,998,716

26,057,379

26,725,428

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

20,964,292

21,403,072

17,400,564

14,995,300

12,788,920

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

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

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

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

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

TOTAL NET ASSETS

44,502,060

39,972,519

37,019,808

36,340,222

35,546,844

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

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

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

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

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

SHARE CAPITAL

Ordinary share capital

12,201,828

12,201,828

11,620,789

11,620,789

11,620,789

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

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

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

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

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

TOTAL SHARE CAPITAL

12,201,828

12,201,828

11,620,789

11,620,789

11,620,789

RESERVES

Share premium

1,148,890

1,148,890

20,135,838

19,868,461

-

Retained profit/(loss) carried forward

19,331,249

18,610,420

18,986,948

18,719,571

19,082,274

Others

2,692,379

-

-

-

-

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

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

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

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

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

TOTAL RESERVES

23,172,518

19,759,310

20,135,838

19,868,461

19,082,274

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

35,374,346

31,961,138

31,756,627

31,489,250

30,703,063

Long term loans

7,613,814

6,600,901

-

-

-

Hire purchase creditors

359,620

46,600

-

-

-

Deferred taxation

1,154,280

1,363,880

-

-

-

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

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

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

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

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

TOTAL LONG TERM LIABILITIES

9,127,714

8,011,381

5,263,181

4,850,972

4,843,781

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

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

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

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

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

44,502,060

39,972,519

37,019,808

36,340,222

35,546,844

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

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

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

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

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

 

 

 

FINANCIAL RATIO

 

 

THEEN SENG PAPER MANUFACTURING SDN. BHD.

 

TYPES OF FUNDS

Cash

4,234,261

2,856,707

-

-

-

Net Liquid Funds

(20,560,578)

(20,468,152)

-

-

-

Net Liquid Assets

(19,218,250)

(19,193,261)

17,400,564

14,995,300

12,788,920

Net Current Assets/(Liabilities)

20,964,292

21,403,072

17,400,564

14,995,300

12,788,920

Net Tangible Assets

44,271,678

39,889,907

37,019,808

36,340,222

35,546,844

Net Monetary Assets

(28,345,964)

(27,204,642)

12,137,383

10,144,328

7,945,139

BALANCE SHEET ITEMS

Total Borrowings

34,243,428

31,061,385

-

-

-

Total Liabilities

41,328,569

38,451,043

33,261,897

30,908,351

31,569,209

Total Assets

76,702,915

70,412,181

65,018,524

62,397,601

62,272,272

Net Assets

44,502,060

39,972,519

37,019,808

36,340,222

35,546,844

Net Assets Backing

35,374,346

31,961,138

31,756,627

31,489,250

30,703,063

Shareholders' Funds

35,374,346

31,961,138

31,756,627

31,489,250

30,703,063

Total Share Capital

12,201,828

12,201,828

11,620,789

11,620,789

11,620,789

Total Reserves

23,172,518

19,759,310

20,135,838

19,868,461

19,082,274

LIQUIDITY (Times)

Cash Ratio

0.13

0.09

-

-

-

Liquid Ratio

0.40

0.37

-

-

-

Current Ratio

1.65

1.70

1.62

1.58

1.48

WORKING CAPITAL CONTROL (Days)

Stock Ratio

330

384

-

-

-

Debtors Ratio

65

72

-

-

-

Creditors Ratio

17

26

-

-

-

SOLVENCY RATIOS (Times)

Gearing Ratio

0.97

0.97

-

-

-

Liabilities Ratio

1.17

1.20

1.05

0.98

1.03

Times Interest Earned Ratio

1.62

1.08

-

-

-

Assets Backing Ratio

3.63

3.27

3.19

3.13

3.06

PERFORMANCE RATIO (%)

Operating Profit Margin

2.22

0.35

2.31

4.81

3.36

Net Profit Margin

1.62

0.53

1.61

3.24

1.49

Return On Net Assets

5.76

4.86

2.39

4.63

3.86

Return On Capital Employed

3.91

3.27

2.39

4.63

3.86

Return On Shareholders' Funds/Equity

2.04

0.64

1.94

3.60

1.98

Dividend Pay Out Ratio (Times)

0.00

0.00

0.57

0.31

1.91

NOTES TO ACCOUNTS

Contingent Liabilities

0

0


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.88

UK Pound

1

Rs.97.02

Euro

1

Rs.76.13

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

SHG

 

               

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.