MIRA INFORM REPORT

 

 

Report Date :

09.12.2014

 

IDENTIFICATION DETAILS

 

Name :

CHEMOPHARM SDN. BHD.

 

 

Registered Office :

110, (Front Portion) Jalan Pudu, 2nd Floor, 55100 Kuala Umpur, Wilayah Persekutuan

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

05.12.1975

 

 

Com. Reg. No.:

25504-W

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Subject is principally engaged in the trading of scientific, analytical equipment and laboratory chemicals.

 

 

No of Employees :

120 [2014]

 

 

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

 

Maximum Credit Limit :

MYR 3,383,000 (USD 1,128,000)

Status :

Satisfactory

Payment Behaviour :

No Complaints

Litigation :

Clear

 

NOTES :

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

 

ECGC Country Risk Classification List – September 30, 2014

 

Country Name

Previous Rating

(30.06.2014)

Current Rating

(30.09.2014)

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.

:

25504-W

COMPANY NAME

:

CHEMOPHARM SDN. BHD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

05/12/1975

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

110, (FRONT PORTION) JALAN PUDU, 2ND FLOOR, 55100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

BUSINESS ADDRESS

:

20, JALAN SS 2/66, S.E.A PARK, 47300 PETALING JAYA, SELANGOR, MALAYSIA.

TEL.NO.

:

03-78760022

FAX.NO.

:

03-78747958

EMAIL

:

INFO@CHEMOPHARMC.COM.MY

WEB SITE

:

WWW.CHEMOPHARM.COM.MY

CONTACT PERSON

:

OOI CHUAI AUN ( CEO )

 

 

 

INDUSTRY CODE

:

46593

PRINCIPAL ACTIVITY

:

TRADING OF SCIENTIFIC, ANALYTICAL EQUIPMENT AND LABORATORY CHEMICALS

AUTHORISED CAPITAL

:

MYR 10,000,000.00 DIVIDED INTO 
ORDINARY SHARE 10,000,000.00 OF MYR 1.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 4,903,965.00 DIVIDED INTO 
ORDINARY SHARES 2,269,179 CASH AND 2,634,786 OTHERWISE OF MYR 1.00 EACH.

 

 

 

SALES

:

MYR 92,780,935 [2013]

NET WORTH

:

MYR 28,036,590 [2013]

 

 

 

STAFF STRENGTH

:

120 [2014]

BANKER (S)

:

ALLIANCE BANK MALAYSIA BHD
CIMB BANK BHD
UNITED OVERSEAS BANK (MALAYSIA) BHD
LEE WAH BANK LIMITED
HONG LEONG BANK BHD

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

NO COMPLAINTS

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

MODERATE

CURRENCY EXPOSURE

:

HIGH

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

PROPOSED CREDIT LIMIT

:

MYR 3,383,000 (USD 1,128,000)

 

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) trading of scientific, analytical equipment and laboratory chemicals.

 

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

 

Share Capital History

Date

Authorised Shared Capital

Issue & Paid Up Capital

30/06/2014

MYR 10,000,000.00

MYR 4,903,965.00

16/01/2009

MYR 10,000,000.00

MYR 4,722,045.00

25/11/2008

MYR 10,000,000.00

MYR 4,322,161.00

29/10/2008

MYR 10,000,000.00

MYR 3,923,172.00

16/10/2008

MYR 10,000,000.00

MYR 1,961,586.00

04/09/2007

MYR 2,000,000.00

MYR 1,923,124.00

19/10/1994

MYR 2,000,000.00

MYR 1,846,200.00

05/10/1994

MYR 2,000,000.00

MYR 1,842,600.00

05/12/1992

MYR 2,000,000.00

MYR 1,810,200.00

25/06/1992

MYR 2,000,000.00

MYR 1,710,200.00

30/04/1991

MYR 2,000,000.00

MYR 1,680,200.00

28/01/1991

MYR 2,000,000.00

MYR 1,580,200.00

10/12/1990

MYR 2,000,000.00

MYR 1,577,200.00

06/11/1989

MYR 2,000,000.00

MYR 1,477,200.00

30/06/1989

MYR 2,000,000.00

MYR 1,377,200.00

15/10/1988

MYR 2,000,000.00

MYR 1,357,200.00

 

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


Name

Address

IC/PP/Loc No

Shareholding

(%)

MR. OOI CHUAI AUN +

59, JALAN EKSEKUTIF TIGA, U1/6, GLENMARIE COURT, 40150 SHAH ALAM, SELANGOR, MALAYSIA.

480126-02-5031 7519676

2,499,000.00

50.96

MR. CHEW HENG CHONG

36, JALAN SS 24/13, TAMAN MEGAH, 47301 PETALING JAYA, SELANGOR, MALAYSIA.

360701-08-5799 3844797

473,184.00

9.65

MS. CHANG FANG CHYI

39 JALAN USAJ 5/4, EUP, SUBANG JAYA, SELANGOR, 47610 SUBANG JAYA, SELANGOR, MALAYSIA.

710112-10-6448 A1773206

473,184.00

9.65

MS. YAO LILY

31 JALAN 3/1F, SUBANG JAYA, 47600 SUBANG JAYA, SELANGOR, MALAYSIA.

500809-01-5874 4059797

362,040.00

7.38

MR. CHANG CHEN CHOO @ TEO PUAY KEE

5, JALAN SS 4D/8, 47301 PETALING JAYA, SELANGOR, MALAYSIA.

360828-01-5069 4113237

362,040.00

7.38

MR. KONG CHEE MUN +

40, JALAN SS 23/19, TAMAN SEA, 47400 PETALING JAYA, SELANGOR, MALAYSIA.

600810-08-5747

236,592.00

4.82

MS. MOK HUEH MIN

17 JALAN PJU 3/18C, DAMANSARA INDAH, 47410 PETALING JAYA, SELANGOR, MALAYSIA.

670102-07-5090 A0609644

100,539.00

2.05

MS. LEE PHOOI HAR

17, JALAN SETIA NUSANTARA, U13/19F, SETIA ALAM, 40170 SHAH ALAM, SELANGOR, MALAYSIA.

701115-08-5262 A1750614

100,539.00

2.05

MR. ROBIN CHEW KENG SIONG @ ROBIN

74 JALAN TMN SEPUTEH DUA, TMN SEPUTEH, 58000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

670216-10-5745 A0650575

100,539.00

2.05

ONG BOO HONG (WANG WUHONG) @ WANG WUHONG

34, TANAH MERAH KECHIL ROAD, #10-30, 465560, SINGAPORE.

S0364554A

94,104.00

1.92

MR. LIM TECK THAI +

50, JALAN SS 21/16, DAMANSARA UTAMA, 47400 PETALING JAYA, SELANGOR, MALAYSIA.

470110-02-5089 0124350

94,104.00

1.92

KOK CHEE KONG.

59, JALAN SS 2/25, 47300 PETALING JAYA, SELANGOR, MALAYSIA.

500820-10-5539 7868767

8,100.00

0.17

 

 

 

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

------

 

 

 

4,903,965.00

100.00

 

 

 

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

=====

+ Also Director

 

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



Local No

Country

Company

(%)

As At

200820127Z

SINGAPORE

CHEMORESEARCH PTE. LTD.

100.00

31/12/2013

 

 

 

 

 

810006X

MALAYSIA

ONE-BIO SDN. BHD.

100.00

31/12/2013

 

 

 

 

 

 

INDONESIA

P.T. CHEMOSCIENCE INDONESIA

100.00

31/12/2013

 

 

 

 

 

752943P

MALAYSIA

CHEMORESEARCH SDN. BHD.

100.00

31/12/2013

 

 

 

 

 

810006X

MALAYSIA

ONE-BIO SDN. BHD.

100.00

31/12/2013

 

 

 

 

 

719212V

MALAYSIA

CHEMOINFORMATICS SDN. BHD.

100.00

31/12/2013

 

 

 

 

 

608387P

MALAYSIA

CHEMOSCIENCE (MALAYSIA) SDN. BHD.

96.00

31/12/2013

 

 

 

 

 

44497M

MALAYSIA

CHEMORESOURCES SDN. BHD.

80.00

31/12/2013

 

 

 

 

 

 

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

MR. LIM TECK THAI

Address

:

50, JALAN SS 21/16, DAMANSARA UTAMA, 47400 PETALING JAYA, SELANGOR, MALAYSIA.

IC / PP No

:

0124350

New IC No

:

470110-02-5089

Date of Birth

:

10/01/1947

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

01/07/1995

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

MR. KONG CHEE MUN

Address

:

40, JALAN SS 23/19, TAMAN SEA, 47400 PETALING JAYA, SELANGOR, MALAYSIA.

 

 

 

New IC No

:

600810-08-5747

Date of Birth

:

10/08/1960

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

01/07/1995

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

MR. OOI CHUAI AUN

Address

:

59, JALAN EKSEKUTIF TIGA, U1/6, GLENMARIE COURT, 40150 SHAH ALAM, SELANGOR, MALAYSIA.

IC / PP No

:

7519676

New IC No

:

480126-02-5031

Date of Birth

:

26/01/1948

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

30/12/1978

 

 

 

 

 

 

 

 

 

 

 

 



MANAGEMENT

 

 

 

1)

Name of Subject

:

OOI CHUAI AUN

 

Position

:

CEO

 

 

 

 

 

2)

Name of Subject

:

KONG CHEE MUN

 

Position

:

SALES DIRECTOR

 

 

 

 

 

3)

Name of Subject

:

ROBIN CHEW

 

Position

:

VICE PRESIDENT

 

 

AUDITOR

 

Auditor

:

WONG YOW SENG & CO.

Auditor' Address

:

110, (REAR PORTION) JALAN PUDU, 55100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MS. LOW SIEW YING

 

IC / PP No

:

7806642

 

New IC No

:

460711-10-5122

 

Address

:

56, JALAN HUJAN GERIMIS 2, TAMAN OVERSEAS UNION, 58200 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

2)

Company Secretary

:

MR. LEONG YIN CHEE

 

IC / PP No

:

3330250

 

New IC No

:

500608-04-5153

 

Address

:

47 JALAN 21/16, S.E.A.PARK, 46300 PETALING JAYA, SELANGOR, MALAYSIA.

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

ALLIANCE BANK MALAYSIA BHD

 

 

 

 

 

 

 

 

 

2)

Name

:

CIMB BANK BHD

 

 

 

 

 

 

 

 

 

3)

Name

:

UNITED OVERSEAS BANK (MALAYSIA) BHD

 

 

 

 

 

 

 

 

 

4)

Name

:

LEE WAH BANK LIMITED

 

 

 

 

 

 

 

 

 

5)

Name

:

HONG LEONG BANK BHD

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

3(BK 66/99)

03/04/1980

2ND SUPPLEMENTAL DEBENTURE & 2ND CHARGE

LEE WAH BANK LTD

MYR 190,000.00

Unsatisfied

4(BK 66/99)

09/12/1981

3RD SUPPLEMENTAL DEBENTURE & 3RD CHARGE

LEE WAH BANK LTD

MYR 30,000.00

Unsatisfied

5(BK 66/99)

15/07/1982

4TH SUPPLEMENTAL DEBENTURE & 4TH LEGAL CHARGE

LEE WAH BANK LTD

MYR 70,000.00

Unsatisfied

6(BK 203/95)

02/03/1983

FIFTH SUPPLEMENTAL DEBENTURE & 5TH CHARGE & 6TH CHARGE

LEE WAH BANK LTD

MYR 350,000.00

Unsatisfied

7(BK 203/95)

02/03/1983

1ST AND 2ND CHARGE

LEE WAH BANK LTD

MYR 990,000.00

Unsatisfied

8

03/08/1984

6TH SUPPLEMENTAL DEBENTURE & 7TH LEGAL CHARGE & 3RD LEGAL CHARGE

LEE WAH BANK LTD

MYR 160,000.00

Unsatisfied

9

13/08/1990

ALL MONIES DEBENTURE

LEE WAH BANK LTD

-

Unsatisfied

10

13/08/1990

FOURTH LEGAL CHARGE & EIGHTH LEGAL CHARGE

LEE WAH BANK LTD

MYR 400,000.00

Unsatisfied

11

07/06/1991

1ST LEGAL CHARGE

MALAYSIAN FRENCH BANK BHD

MYR 520,000.00

Unsatisfied

12

12/03/1992

FIFTH LEGAL CHARGE

LEE WAH BANK LTD

MYR 230,000.00

Unsatisfied

13

12/03/1992

NINETH LEGAL CHARGE

LEE WAH BANK LTD

MYR 230,000.00

Unsatisfied

14

28/09/1992

2ND CHARGE

MALAYSIAN FRENCH BANK BHD

MYR 780,000.00

Unsatisfied

15

23/08/1995

FIRST LEGAL CHARGE

UNITED OVERSEAS BANK MALAYSIA BHD

MYR 2,850,000.00

Unsatisfied

18

24/07/1997

ELEVENTH LEGAL CHARGE

UNITED OVERSEAS BANK MALAYSIA BHD

MYR 650,000.00

Unsatisfied

19

24/07/1997

SECOND LEGAL CHARGE

UNITED OVERSEAS BANK MALAYSIA BHD

MYR 650,000.00

Unsatisfied

20

10/01/2001

ALL MONIES DEBENTURE

UNITED OVERSEAS BANK MALAYSIA BHD

-

Unsatisfied

21

10/01/2001

THIRD LEGAL CHARGE

UNITED OVERSEAS BANK MALAYSIA BHD

MYR 500,000.00

Unsatisfied

22

10/01/2001

THIRD LEGAL CHARGE

UNITED OVERSEAS BANK MALAYSIA BHD

MYR 500.00

Unsatisfied

23

23/05/2002

MEMORANDUM OF LEGAL CHARGE OVER DEPOSITS

UNITED OVERSEAS BANK MALAYSIA BHD

-

Unsatisfied

24

26/06/2002

MEMORANDUM OF LEGAL CHARGE OVER DEPOSITS

UNITED OVERSEAS BANK MALAYSIA BHD

-

Unsatisfied

25

07/04/2008

4TH LEGAL CHARGE

UNITED OVERSEAS BANK (MALAYSIA) BHD

MYR 1,500,000.00

Unsatisfied

26

07/04/2008

13TH LEGAL CHARGE

UNITED OVERSEAS BANK (MALAYSIA) BHD

MYR 1,500,000.00

Unsatisfied

27

10/12/2008

FIXED DEPOSIT

CIMB BANK BERHAD

MYR 3,300,000.00

Unsatisfied

28

18/06/2009

FACILITY AGREEMENT & MEMORANDUM OF DEPOSIT & LETTER OF SET OFF

ALLIANCE BANK MALAYSIA BHD

-

Unsatisfied

29

27/01/2010

TERM LOAN AGREEMENT & MEMORANDUM OF DEPOSIT & LETTER OF SET OFF

ALLIANCE BANK MALAYSIA BHD

-

Unsatisfied

30

01/12/2011

MEMORANDUM OF DEPOSIT

CIMB BANK BERHAD

MYR 1,500,000.00

Unsatisfied

31

04/02/2013

FOURTEENTH LEGAL CHARGE

UNITED OVERSEAS BANK (MALAYSIA) BHD

MYR 3,260,000.00

Unsatisfied

32

04/02/2013

FIFTH LEGAL CHARGE

UNITED OVERSEAS BANK (MALAYSIA) BHD

MYR 3,260,000.00

Unsatisfied

33

06/03/2013

FIFTEENTH LEGAL CHARGE

UNITED OVERSEAS BANK (MALAYSIA) BHD

MYR 940,000.00

Unsatisfied

34

06/03/2013

SIXTH LEGAL CHARGE

UNITED OVERSEAS BANK (MALAYSIA) BHD

MYR 940,000.00

Unsatisfied

35

19/11/2013

FACILITIES AGREEMENT & LETTER OF SET OFF

HONG LEONG BANK BHD

-

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

:

NO

Percentage

:

0%

Overseas

:

YES

Percentage

:

100%

Import Countries

:

UNITED STATES,FRANCE,ITALY,GERMANY

 

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

[

 

]

 

Average 61-90 Days

[

 

]

 

Fair 91-120 Days

[

X

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 

 

 

CLIENTELE

 

Local

:

YES

Percentage

:

100%

Domestic Markets

:

MALAYSIA

Overseas

:

NO

 

 

 

 

 

 

 

 

 

Credit Term

:

30 - 60 DAYS

 

 

 

 

 

 

Payment Mode

:

CHEQUES

Type of Customer

:

LABORATORIES

 

 

 

 

 

 

CUSTOMER(S)

:

1) TERASLAB SAINTIFIK SDN BHD

 

 


OPERATIONS

 

Goods Traded

:

SCIENTIFIC, ANALYTICAL EQUIPMENT AND LABORATORY CHEMICALS

 

 

 

 

Ownership of premises

:

OWNED

 

 

Total Number of Employees:

 

YEAR

2014

2012

2011

2010

2009

 

 

 

 

 

GROUP

N/A

N/A

N/A

N/A

N/A

 

 

 

 

COMPANY

120

130

130

130

140

 

 

 

 

 

Branch

:

YES

 

Other Information:


The Subject is principally engaged in the (as a / as an) trading of scientific, analytical equipment and laboratory chemicals. 

The Subject's range of products consists of some of world's leading scientific equipment and reagents.

These includes Analytical, Clinical Diagnostic, Life Science, Lab Furniture System and Water Treatment.

The Subject also has been a pioneer in introducing new instrument techniques and research tools into the region by organising seminars and workshops with scientists and engineers from overseas universities, hospitals and manufacturers.

Besides that the Subject also provides after sales services to its customers. 

CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

03-78760022

Match

:

N/A

 

 

 

Address Provided by Client

:

NO 20, JALAN SS 2/66,47300,PETALING JAYA,SELANGOR.

Current Address

:

20, JALAN SS 2/66, S.E.A PARK, 47300 PETALING JAYA, SELANGOR, MALAYSIA.

Match

:

NO

 

 

 

Latest Financial Accounts

:

YES

 

Other Investigations


We contacted one of the staff from the Subject and she provided some information.


The address provided is incomplete.

FINANCIAL ANALYSIS

 

 

Profitability

 

 

 

 

 

 

Turnover

:

Erratic

[

2009 - 2013

]

 

Profit/(Loss) Before Tax

:

Increased

[

2009 - 2013

]

 

Return on Shareholder Funds

:

Acceptable

[

17.10%

]

 

Return on Net Assets

:

Acceptable

[

27.57%

]

 

 

 

 

 

 

 

 

The fluctuating turnover reflects the fierce competition among the existing and new market players.The higher profit could be attributed to the increase in turnover. The Subject's management had generated acceptable return for its shareholders using its assets.

 

 

 

 

 

 

 

Working Capital Control

 

 

 

 

 

 

Stock Ratio

:

Favourable

[

52 Days

]

 

Debtor Ratio

:

Unfavourable

[

94 Days

]

 

Creditors Ratio

:

Unfavourable

[

62 Days

]

 

 

 

 

 

 

 

 

The Subject's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in stocks. The Subject's debtors ratio was high. The Subject should tighten its credit control and improve its collection period. The unfavourable creditors' ratio could be due to the Subject taking advantage of the credit granted by its suppliers. However this may affect the goodwill between the Subject and its suppliers and the Subject may inadvertently have to pay more for its future supplies.

 

 

 

 

 

 

 

Liquidity

 

 

 

 

 

 

Liquid Ratio

:

Favourable

[

1.11 Times

]

 

Current Ratio

:

Unfavourable

[

1.42 Times

]

 

 

 

 

 

 

 

 

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

 

 

 

 

 

 

 

Solvency

 

 

 

 

 

 

Interest Cover

:

Acceptable

[

5.53 Times

]

 

Gearing Ratio

:

Acceptable

[

0.83 Times

]

 

 

 

 

 

 

 

 

The Subject's interest cover was slightly low. If there is no sharp fall in its profit or sudden increase in the interest rates, we believe the Subject is able to generate sufficient income to service its interest and repay the loans. 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 :

 

 

 

 

 

 

Although the turnover was erratic, the Subject had maintained a steady growth in its profit. This indicate the management's efficiency in controlling its costs and profitability. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject had an acceptable interest cover. If there is no sudden sharp increase in interest rate or fall in the Subject's profit, we do believe the Subject is able to generate sufficient cash flow to service its interest payment. 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 : FAIR

 

 

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

46593 : Wholesale of computer-controlled machines tools

 

 

INDUSTRY :

MACHINERY

 

 

 

Malaysia is presently the leading manufacturer of automation machinery and equipment (M&E) in the ASEAN region with a total of 22 companies in production. The machinery and equipment industry has expanded and produce a diverse range of machinery which give importance to the overall industrial development of the country, due to its cross cutting linkages with all industrial sectors.

 

Growth of the domestic-oriented industries such as machinery and transportation equipment is expected to remain favourable in 2014, in line with resilient domestic consumption and robust private investment. However, the output of general-purpose machinery decreased 8.8% in the first seven moths of 2014 (January - July 2013: -1.8%) due to the decline in manufacture of air-conditioning machine (-17.9%) as well as lifting and handling equipment (-8.2%).

 

Besides, shipments of machinery, appliances and parts continued to expand rapidly by 12.5% in the first seven months of 2014 (January - July 2013: 1.4%) with stronger demand from Singapore, the US, China and Australia. Growth was mainly contributed by specialized machinery for specific industries (16.3%), particularly for civil engineering and manufacture of semiconductors as well as general industrial machinery and equipment (9.2%) such as heating and cooling equipment and parts as well as mechanical handling equipment and parts.

 

According to the World Bank's Doing Business 2014 Report, Malaysia improved to 15th from 25th position in the 2014 Foreign Direct Investment Confidence Index, with highlighted Malaysia's efforts in building its competitive position in electronics, automotive, and machinery manufacturing to move up the value chain into high technology and skill-intensive segments.

 

The Government has identified the M&E industry to be one of the key areas for growth and development. The growth will focus on the manufacture of high value-added and high technology M&E. For the further development of the M&E industry, six strategic thrusts have been set during the Third Industrial Master Plan (IMP3), 2006 - 2020 period:-

- Promoting Malaysia as a regional production, trading and distribution centre for M&E

- Rising the development and promotion of selected specialized and high technology M&E

- Strengthening the engineering support industries and support services

- Developing Malaysian Standards for machinery and equipment

- Developing sufficient highly skilled workforce

- Strengthening the institutional support for the further development of the industry

 

 

OVERALL INDUSTRY OUTLOOK : Average Growth



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 1975, the Subject is a Private Limited company, focusing on trading of scientific, analytical equipment and laboratory chemicals. The Subject has been in business for over two decades. It has built up a strong clientele base and satisfactory reputation will enable the Subject to further enhance its business in the near term.  The Subject is expected to enjoy a stable market shares. A paid up capital of MYR 4,903,965 allows the Subject to expand its business more comfortably. We considered that the Subject's business position in the market is much dependent on the efforts of its directors. 


Over the years, the Subject should have build up its clientele base and received supports from its regular customers. Investigation revealed that the Subject's interest lies mostly in the local market. Thus, any adverse changes to the local economy might have a negative impact on the Subject's business performance. The Subject is a fairly large and rapidly growing company with over 120 staff in its operations 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. Return on shareholders' funds of the Subject was at an acceptable range which indicated that the management was efficient in utilising its funds to generate income. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. The gearing level of the Subject is slightly high, therefore it faces moderate financial risk. Given a positive net worth standing at MYR 28,036,590, 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. Investigation revealed that the Subject's supplies are 100% sourced from overseas countries. As an imported oriented company, its forex exposure is high. The Subject faces foreign currency fluctuation which may affect its overall operating costs. 


The Subject's overall payment habit is fair and this clearly implied a weak credit control of the Subject. 


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)

CHEMOPHARM SDN. BHD.

 

Financial Year End

2013-12-31

2012-12-31

2011-12-31

2010-12-31

2009-12-31

Months

12

12

12

12

12

Consolidated Account

Company

Company

Company

Company

GROUP

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

FULL

Currency

MYR

MYR

MYR

MYR

MYR

 

 

 

 

 

 

TURNOVER

92,780,935

7,570,078

79,357,785

66,879,363

63,359,325

 

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

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

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

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

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

Total Turnover

92,780,935

7,570,078

79,357,785

66,879,363

63,359,325

Costs of Goods Sold

(54,476,564)

(42,553,862)

(44,656,386)

(39,748,282)

(37,671,508)

 

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

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

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

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

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

Gross Profit

38,304,371

(34,983,784)

34,701,399

27,131,081

25,687,817

 

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

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

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

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

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

 

 

 

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

6,791,812

3,509,405

6,184,381

3,377,856

4,178,814

SHARE OF PROFITS/(LOSSES) OF ASSOCIATED COMPANIES

(100,940)

(13,160)

-

-

-

 

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

6,690,872

3,496,245

6,184,381

3,377,856

4,178,814

Taxation

(1,858,169)

(1,210,208)

(1,793,832)

(1,081,128)

(1,192,185)

 

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

4,832,703

2,286,037

4,390,549

2,296,728

2,986,629

Minority interests

(35,059)

4,924

(291,093)

(129,591)

(165,172)

Pre-acquisition profit/(loss)

(3,943)

(6,953)

-

-

62,174

 

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

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

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

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

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

PROFIT/(LOSS) BEFORE EXTRAORDINARY ITEMS

4,793,701

2,284,008

4,099,456

2,167,137

2,883,631

 

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

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

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

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

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

PROFIT/(LOSS) ATTRIBUTABLE TO SHAREHOLDERS

4,793,701

2,284,008

4,099,456

2,167,137

2,883,631

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

 

 

 

As previously reported

14,286,890

12,241,950

8,805,585

7,216,991

4,801,803

 

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

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

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

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

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

As restated

14,286,890

12,241,950

8,805,585

7,216,991

4,801,803

 

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

19,080,591

14,525,958

12,905,041

9,384,128

7,685,434

TRANSFER TO RESERVES - General

-

-

(424,023)

(339,475)

(229,375)

DIVIDENDS - Ordinary (paid & proposed)

(318,758)

(239,068)

(239,068)

(239,068)

(239,068)

 

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

18,761,833

14,286,890

12,241,950

8,805,585

7,216,991

 

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

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

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

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

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

 

 

 

 

 

 

INTEREST EXPENSE (as per notes to P&L)

 

 

 

 

 

Bank overdraft

340,182

285,273

191,564

111,186

93,439

Bankers' acceptance

403,459

350,986

313,336

257,354

230,692

Hire purchase

49,403

45,669

47,015

70,087

76,278

Lease interest

12,061

10,059

4,728

7,278

28,921

Term loan / Borrowing

144,238

192,080

126,374

113,683

-

Trust receipts

528,874

509,506

587,116

424,534

425,479

 

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

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

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

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

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

 

1,478,217

1,393,573

1,270,133

984,122

854,809

 

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

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

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

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

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

 

 

BALANCE SHEET

 

 

CHEMOPHARM SDN. BHD.

 

ASSETS EMPLOYED:

 

 

 

 

 

FIXED ASSETS

10,033,959

9,633,653

8,515,948

6,586,064

6,751,919

 

 

 

 

 

 

Associated companies

347,445

1,348

143

429

1,217

Investments

79,296

79,511

79,726

79,965

80,131

Deferred assets

1,110,909

1,240,121

910,706

817,396

502,031

Others

-

-

-

10,290

41,580

 

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

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

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

1,537,650

1,320,980

990,575

908,080

624,959

 

 

 

 

 

 

Trademarks

5,885

5,885

900

900

-

 

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

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

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

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

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

TOTAL INTANGIBLE ASSETS

5,885

5,885

900

900

-

 

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

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

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

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

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

TOTAL LONG TERM ASSETS

11,577,494

10,960,518

9,507,423

7,495,044

7,376,878

 

 

 

 

 

 

Stocks

13,234,137

15,654,156

14,095,571

11,365,588

8,519,807

Trade debtors

23,822,703

18,332,208

24,256,373

15,301,942

19,175,216

Other debtors, deposits & prepayments

6,071,888

6,705,820

7,257,736

5,411,593

3,425,905

Short term deposits

13,246,218

11,348,628

9,600,760

8,985,292

6,320,055

Amount due from director

-

-

-

178,768

291,405

Cash & bank balances

4,607,693

2,495,460

2,337,133

2,542,963

2,486,205

Others

3,000

85,868

69,733

53,724

20,642

 

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

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

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

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

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

TOTAL CURRENT ASSETS

60,985,639

54,622,140

57,617,306

43,839,870

40,239,235

 

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

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

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

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

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

TOTAL ASSET

72,563,133

65,582,658

67,124,729

51,334,914

47,616,113

 

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

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

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

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

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

 

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

 

Trade creditors

9,306,793

9,889,406

10,118,355

8,785,525

10,192,653

Other creditors & accruals

6,114,724

5,797,378

6,316,281

6,069,228

4,930,756

Hire purchase & lease creditors

172,130

130,564

-

-

-

Bank overdraft

2,020,464

4,619,527

5,088,514

1,880,296

732,331

Short term borrowings/Term loans

960,666

889,580

715,752

349,590

617,683

Other borrowings

9,471,412

7,775,734

9,436,793

6,760,947

6,880,086

Bill & acceptances payable

9,472,000

8,255,000

7,607,000

4,997,000

5,224,000

Amounts owing to director

4,158,501

1,345,883

821,228

-

-

Provision for taxation

995,057

307,973

942,258

532,864

950,143

Lease payables

257,669

129,877

-

-

-

Other liabilities

-

-

390,245

647,482

-

 

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

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

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

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

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

TOTAL CURRENT LIABILITIES

42,929,416

39,140,922

41,436,426

30,022,932

29,527,652

 

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

18,056,223

15,481,218

16,180,880

13,816,938

10,711,583

 

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

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

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

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

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

TOTAL NET ASSETS

29,633,717

26,441,736

25,688,303

21,311,982

18,088,461

 

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

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

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

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

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

 

 

 

 

 

 

SHARE CAPITAL

 

 

 

 

 

Ordinary share capital

4,903,965

4,903,965

4,903,965

4,903,965

4,903,965

 

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

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

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

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

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

TOTAL SHARE CAPITAL

4,903,965

4,903,965

4,903,965

4,903,965

4,903,965

 

 

 

 

 

 

RESERVES

 

 

 

 

 

Share premium

1,233,327

1,233,327

1,233,327

1,233,327

1,233,327

Capital reserve

400,500

400,500

400,500

400,500

400,500

Revaluation reserve

1,983,521

1,983,521

1,983,521

1,983,521

1,983,521

Exchange equalisation/fluctuation reserve

21,425

42,102

3,693

1,521

-

Retained profit/(loss) carried forward

18,761,833

14,286,890

12,241,950

8,805,585

7,216,991

Capital redemption reserve

-

-

992,873

568,850

229,375

Others

459,822

437,918

502,537

502,537

502,537

 

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

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

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

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

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

TOTAL RESERVES

22,860,428

18,384,258

17,358,401

13,495,841

11,566,251

 

 

 

 

 

 

MINORITY INTEREST

272,197

1,119,314

1,093,222

812,254

713,036

 

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

28,036,590

24,407,537

23,355,588

19,212,060

17,183,252

 

 

 

 

 

 

Long term loans

418,995

1,379,548

289,427

384,689

629,741

Other long term borrowings

790,523

177,886

1,636,883

1,442,600

-

Deferred taxation

387,609

476,765

406,405

272,633

275,468

 

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

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

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

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

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

TOTAL LONG TERM LIABILITIES

1,597,127

2,034,199

2,332,715

2,099,922

905,209

 

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

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

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

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

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

 

29,633,717

26,441,736

25,688,303

21,311,982

18,088,461

 

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

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

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

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

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

 

 

 

 

 

 

 

 

FINANCIAL RATIO

 

 

CHEMOPHARM SDN. BHD.

 

TYPES OF FUNDS

 

 

 

 

 

Cash

17,853,911

13,844,088

11,937,893

11,528,255

8,806,260

Net Liquid Funds

6,361,447

969,561

(757,621)

4,650,959

2,849,929

Net Liquid Assets

4,822,086

(172,938)

2,085,309

2,451,350

2,191,776

Net Current Assets/(Liabilities)

18,056,223

15,481,218

16,180,880

13,816,938

10,711,583

Net Tangible Assets

29,627,832

26,435,851

25,687,403

21,311,082

18,088,461

Net Monetary Assets

3,224,959

(2,207,137)

(247,406)

351,428

1,286,567

BALANCE SHEET ITEMS

 

 

 

 

 

Total Borrowings

23,306,190

23,227,839

24,774,369

15,815,122

14,083,841

Total Liabilities

44,526,543

41,175,121

43,769,141

32,122,854

30,432,861

Total Assets

72,563,133

65,582,658

67,124,729

51,334,914

47,616,113

Net Assets

29,633,717

26,441,736

25,688,303

21,311,982

18,088,461

Net Assets Backing

28,036,590

24,407,537

23,355,588

19,212,060

17,183,252

Shareholders' Funds

28,036,590

24,407,537

23,355,588

19,212,060

17,183,252

Total Share Capital

4,903,965

4,903,965

4,903,965

4,903,965

4,903,965

Total Reserves

22,860,428

18,384,258

17,358,401

13,495,841

11,566,251

LIQUIDITY (Times)

 

 

 

 

 

Cash Ratio

0.42

0.35

0.29

0.38

0.30

Liquid Ratio

1.11

1.00

1.05

1.08

1.07

Current Ratio

1.42

1.40

1.39

1.46

1.36

WORKING CAPITAL CONTROL (Days)

 

 

 

 

 

Stock Ratio

52

755

65

62

49

Debtors Ratio

94

884

112

84

110

Creditors Ratio

62

85

83

81

99

SOLVENCY RATIOS (Times)

 

 

 

 

 

Gearing Ratio

0.83

0.95

1.06

0.82

0.82

Liabilities Ratio

1.59

1.69

1.87

1.67

1.77

Times Interest Earned Ratio

5.53

3.51

5.87

4.43

5.89

Assets Backing Ratio

6.04

5.39

5.24

4.35

3.69

PERFORMANCE RATIO (%)

 

 

 

 

 

Operating Profit Margin

7.21

46.19

7.79

5.05

6.60

Net Profit Margin

5.17

30.17

5.17

3.24

4.55

Return On Net Assets

27.57

18.49

29.02

20.47

27.83

Return On Capital Employed

25.45

15.13

23.39

18.17

25.77

Return On Shareholders' Funds/Equity

17.10

9.36

17.55

11.28

16.78

Dividend Pay Out Ratio (Times)

0.07

0.10

0.06

0.11

0.08

NOTES TO ACCOUNTS

 

 

 

 

 

Contingent Liabilities

0

0

0

0

0

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.93

UK Pound

1

Rs.96.37

Euro

1

Rs.76.10                                  

 

INFORMATION DETAILS

 

Analysis Done by :

SUM

 

 

Report Prepared by :

SMN

 

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.