MIRA INFORM REPORT

 

 

Report Date :

30.12.2014

 

IDENTIFICATION DETAILS

 

Name :

P.T. PABRIK KERTAS TJIWI KIMIA TBK

 

 

Registered Office :

Sinar Mas Land Plaza, Menara II, 7th Floor, Jalan M.H. Thamrin No. 51, Gondangdia, Menteng Jakarta Pusat 10350

 

 

Country :

Indonesia

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

08.07.1996

 

 

Com. Reg. No.:

AHU-AH.01.10-26833

 

 

Legal Form :

Public Listed Company

 

 

Line of Business :

·         Cultural and Industrial Paper Manufacturing

·         Caustic Soda Manufacturing

·         Investment Holding

 

 

No. of Employees :

12,482 Persons

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

Slow but correct

 

 

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)

Indonesia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

INDONESIA - ECONOMIC OVERVIEW

 

Indonesia, a vast polyglot nation, has grown strongly since 2010. During the global financial crisis, Indonesia outperformed its regional neighbors and joined China and India as the only G20 members posting growth. The government has promoted fiscally conservative policies, resulting in a debt-to-GDP ratio of less than 25% and historically low rates of inflation. Fitch and Moody's upgraded Indonesia's credit rating to investment grade in December 2011. Indonesia still struggles with poverty and unemployment, inadequate infrastructure, corruption, a complex regulatory environment, and unequal resource distribution among regions. The government also faces the challenges of quelling labor unrest and reducing fuel subsidies in the face of high oil prices.

 

Source : CIA

 


BASIC SEARCH

 

Name of Company :

P.T. Pabrik Kertas TJIWI KIMIA Tbk

 

A d d r e s s :

Head Office & Factory

Sinar Mas Land Plaza, Menara II, 7th Floor

Jalan M.H. Thamrin No. 51

Gondangdia, Menteng

Jakarta Pusat 10350

Indonesia

PO Box         - 4295 JKT 10001

Phones          - (62-21) 392966-69

Fax                - (62-21) 3927685

E-mail            - app_investors@app.co.id

Website         - http://www.tjiwi.co.id

 

Factory/Mills

Jl. Raya Surabaya-Mojokerto Km. 44

Desa Kramat Temanggung

Kecamatan Tarik,

Sidoarjo, East Java

Indonesia

Phones             - (62-321) 361552, 361574-77

Fax                   - (62-321) 361615

Telex                - 31094 TJIWI MR

P.O. Box          - 115 MOJOKERTO

Land Area         - 36.0 hectares

Building Space  -   4.5 hectares

Region              - Industrial Zone

Status               - Owned

 

Branches

  a. Singapore Office

      Room 1609, 16th Floor, SHENTON HOUSE

       3 Shenton Way

       Singapore

       Phones    - (65) 2209166-69

  b. Surabaya Office

      Jalan Rajawali No. 31-33

       Surabaya

       East Java

       Phones    - (62-31) 3530520, 33524130, 3524133

       Fax          - (62-31) 3525409

 

 

Date of Incorporation :

a.   02 October 1972 as P.T. Pabrik Kertas TJIWI  KIMIA

b.   08 July 1996 as P.T. Pabrik Kertas TJIWI KIMIA Tbk

 

Legal Form :

P.T. Tbk. (Perseroan Terbatas Terbuka) or Public Listed Company

 

Company Reg. No. :

The Ministry of Law and Human Rights

  a.  No. Y.A. 5/439/25 (initial permit)

      Dated 22 December 1975

  b. No. AHU-42925.AH.01.02.Tahun 2009

      Dated 01 September 2009

  c. No. AHU-AH.01.10-26833

      Dated 23 July 2013

 

Company Status :

Domestic Investment (PMDN) Company

 

Permit by the Government Department :

  a.  The Department of Finance

      NPWP No. 01.109.421.6-092.000

 

  b.  The Department of Industry

      No. 2040/St-J/XII/1974

      Dated 14 December 1974

 

  c.  The Capital Investment Coordinating Board

      - No. 564/III/PMDN/1987

        Dated 11 November 1987

      - No. 212/III/PMDN/1996

        Dated 31 May 1996

 

Related Companies :

A Member of the SINAR MAS Group

 

 

CAPITAL AND OWNERSHIP

 

Capital Structure :

Authorized Capital            - Rp.  5,000,000,000,000 (US$.2,010,813,237)

Issued Capital                  - Rp.  1,335,702,240,000 (US$.   537,169,549)

Paid up Capital                - Rp.  1,335,702,240,000 (US$.   537,169,549)

 

Shareholders/Owners :

a. P.T. PURINUSA EKAPERSADA                 - Rp  796,179,367,000 (59.6%)

b. MAYFIELD INVESTMENT LIMITED            - Rp.   47,794,114,000 (  3.6%)

c. The Public                                                - Rp  491,728,759,000 (36.8%)

 

 

 

 

BUSINESS ACTIVITIES

 

Lines of Business :

  a.  Cultural and Industrial Paper Manufacturing

  b.  Caustic Soda Manufacturing

  c.  Investment Holding

 

Production Capacity :

  a.  Industrial and Cultural Papers        - 194,000 tons p.a.

  b.  Corrugated Paper Boxes                -   98,300 tons p.a.

  c.  Kraft Papers                                  - 186,000 tons p.a.

  d.  Caustic Soda                                 -   14,900 tons p.a.

  e.  Computer and Telex Papers           -   10,800 tons p.a.

  f.  NRC, Coated and Cultural Papers  - 130,800 tons p.a.

  g.  Fine Papers for Laminating             -     7,200 tons p.a.

  h.  Lining Papers                                -     7,200 tons p.a.

  i.   Tissue Papers                                -     3,600 tons p.a.

  j.   Duplex Coated Papers                   -   51,600 tons p.a.

  k.  Cardboards                                   -   14,600 tons p.a.

  l.   Pulps and Baggases                      - 117,600 tons p.a.

  m. Writing Books                                - 30 millions pcs.p.a.

  n.  HVS and Writing Papers                 - 210,000 tons p.a.

  o.  Silicon Papers                               -   20,000 tons p.a.

  p.  Cast Coating Papers                      -   10,000 tons p.a.

  q.  High Quality Exercise Book, Note

      Book, Computer Continuous Form

      Box Stationery                               - 300,000 tons p.a

  r.   Calcium Hypochloride                    -     7,200 tons p.a.

  s.  Liquid Calcium Hypochloride               -   64,000 tons p.a.

  t.   Calcium Oxide                               -   36,000 tons p.a.

 

Total Investment :

  a. Equity Capital            - Rp.  1,335.3 billion

  b. Loan Capital               - Rp. 15,295.0 billion

  c. Total Investment         - Rp. 16,630.3 billion

 

Started Operation :

1 9 7 7

 

Brand Name :

Bola Dunia, Anchor Brand, Betet, Clean Coated Board, Evergreen, Globe Brand, Golden Art, etc

 

Technical Assistance :

None

 

Number of Employee :

12,482 persons

 

Marketing Area :

a. Domestic      - 35%

b. Export          - 65%

 

Main Customers :

a. P.T. SURYA JAYA PLACE (Distributor)

b. P.T. PERMATA BIRU INDAH (Distributor)

c. P.T. SUTIO JAYATAMA (Distributor)

d. P.T. MARGONO (Distributor)

e. Buyers in Asia, Middle East, Africa, Europe, USA and Australia

 

Market Situation :

Very Competitive

 

Main Competitors :

a. P.T. SURABAYA AGUNG KERTAS

b. P.T. RIAU ANDALAN KERTAS

c. P.T. KERTAS LECES

d. P.T. SUPARMA Tbk, etc.

 

Business Trend :

Declining

 

 

BANKER, AUDITOR & LITIGATION

 

B a n k e r s :

      a.   P.T. Bank INTERNATIONAL  INDONESIA Tbk

            Plaza BII, Menara II, 7th Floor

            Jalan M.H. Thamrin No. 51

            Jakarta 10350

      b.   The Bank of AMERICA N.T. & S.A.

            Gedung Bursa Efek Jakarta, Menara I

            Jalan Jend. Sudirman Kav. 52-53

            Jakarta Selatan

      c.   The LONG-TERM CREDIT Bank of Japan Ltd.

            Singapore

      d.   DEUTSCHE Bank, AG

            Jalan Imam Bonjol No. 80

            Jakarta Pusat

      e.   P.T. INDOSUEZ INDONESIA Bank

            Jakarta Branch

            SUMMITMAS TOWER II, 19th Floor

            Jalan Jend. Sudirman Kav. 61-62

            Jakarta Selatan

      f.    P.T. INTERNATIONAL NEDERLANDEN

            INDONESIA, Bank

            SUMMITMAS TOWER II, 14th Floor

            Jalan Jend. Sudirman Kav. 61-62

            Jakarta Selatan

 

Auditor :

Tjiendradjaja & Handoko Tomo

 

Litigation :

No litigation record in our database

 

 

FINANCIAL FIGURE

 

Annual Sales :

2009 – US$. 1,174.1 million

2010 – US$. 1,338.8 million

2011 – US$. 1,378.7 million

2012 – US$. 1,321.6 million

2013 – US$. 1,222.4 million

 

Net Profit (Loss) :

2009 – US$. 31.6 million

2010 – US$. 46.6 million

2011 – US$. 70.4 million

2012 – US$. 34.8 million

2013 – US$. 27.0 million

 

Payment Manner :

Sometime delay

 

Financial Comments :

Satisfactory

 

 

KEY EXECUTIVES

 

Board of Management :

  President Director                          - Mr. Yudi Setiawan Lin

  Directors                                       - a. Mrs. Linda Suryasari Wijaya Limantara

                                                        b. Mrs. Indah Suryasari Wijaya Limantara

                                                        b. Mr. Hendra Jaya Kosasih

                                                        c. Mr. Anton Mailoa

                                                        d. Mr. Suresh Kilam

                                                        e. Mr. Agustian Rachmansjah Partawidjaja

                                                        e. Mr. Suhendra Wiriadinata

                                                        f.  Mr. Arman Sutedja

  Corporate Secretary                       - Mr. Agustian Rachmansjah Partawidjaja

 

Board of Commissioners :

  President Commissioner                - Mr. Teguh Ganda Widjaja AKA Oei Tie Goan

                                                            (Resigned since 16 May 2004)

  Vice Pres. Commissioner               - Mr. Ir. Gandi Sulistiyanto Soeherman

  Commissioners                              - a. Drs. John Ferdinand Pandelaki

                                                        b. Mr. Arthur Tahja

                                                        c. Drs. Pande Putu Raka, MA

                                                        d. Letjen TNI (ret) Soetedjo

                                                        e. DR. Ramelan, SH, MH

 

Signatories :

President Director (Mr. Yudi Setiawan Lin) or one of the Directors (Mrs. Linda Suryasari Wijaya Limantara, Mrs. Indah Suryasari Wijaya Limantara, Mr. Hendra Jaya Kosasih, Mr. Anton Mailoa, Mr. Suresh Kilam, Mr. Agustian Rachmansjah Partawidjaja, Mr. Suhendra Wiriadinata and Mr. Arman Sutedja) which must be approved by Presodent Commissioners.

 

 

CAPABILITIES

 

Management Capability :

Good

 

Business Morality :

Good

 

 

OVERALL PERFORMANCE

 

Originally named P.T. Pabrik Kertas TJIWI KIMIA, it was established in October 1972 with an authorized capital of Rp. 200,000,000.- issued capital of Rp.  50,000,000.- wholly paid-up. Founders and original shareholders are Dr. Eka Tjipta Widjaja AKA Oei Ek Tjhong and the late his son-in-law Mr. Rudy Maeloa AKA Loa Bon Peang (died on 5 April 1988) Chinese origin Indonesian business family. The Articles of Association was made by Mr. Ridwan Suselo, SH., a public notary in Jakarta and it was approved by the Ministry of Justice Republic Indonesia under its Decision Letter No. Y.A. 5/439/25 dated 22 December 1975.

 

Its articles of association have subsequently been changed for a couple of times. In April 1990, the company went public by releasing its 6.74% shares to the public through Jakarta Stock Exchange (BEJ) and Surabaya Stock Exchange (BES). In July 1996, the company renamed to P.T. Pabrik Kertas TJIWI KIMIA Tbk. (P.T. PKTKT). Later in June 1997, the authorized capital was increased again to Rp. 5,000,000,000,000.- or US$ 2,010,813,237.00.  In July 1997, P.T. PKTKT undertook right issue I and the issued capital has from that time on increased to  Rp. 1,321,526,432,000.-  Later of July 2008, P.T. PKTKT issued the bonus shares and concurrently the issued and paid-up capital rose again to Rp. 1,335,702,240,000.- or US$ 537,169,549.00.   As of 31 December 2011, the majority business stakes of the company is controlled by P.T. PURINUSA EKAPERSADA (60%) and the rest is owned by Publics (40%).  The amendment to Articles of Association has been approved by the Ministry of Law and Human Right in its Decision Letter No. AHU-42925.AH.01.02.TH.2009, dated 01 September 2009.

 

The latest, based on notarial Deed No. 24 dated 12 June 2012 of Linda Herawati, SH., notary in Jakarta, MAYFIELD INVESTMENT Ltd., of British Virgin Island entered into the company as new shareholder.  Since the time, the shareholders of the company are P.T. PURINUSA EKAPERSADA (59.6), MAYFIELD INVESTMENT Ltd., (3.6%) and Public (36.8%).  The amendment to Articles of Association has been approved by the Ministry of Law and Human Right of the Republic of Indonesia in its Decision Letter No. AHU-AH.01.10-26833 dated 23 July 2012.

 

P.T. PURINUSA EKAPERSADA (63.4%), a private company whose majority business stakes is controlled by the Eka Tjipta Widjaja family.  Mr. Eka Tjipta Widjaja AKA Oei Ek Tjhong is the founder of the SINAR MAS Group is a very large-size private business group in the country.

 

P.T. PKTK is the largest paper making plant in Indonesia whose plant is located in Desa Kramat Temanggung, Kecamatan Tarik, Sidoarjo, East Java operating as from 1977. Its major production is industrial and cultural papers, corrugated papers, kraft papers, computer and telex papers, NRC, Coated and Fine Papers, Lining and Tissue Papers, Duplex Coated Papers, HVS and Writing papers, Cast Coating papers and others such as stationery and packaging. Total annual production capacity in 2012 was 1,277,000 tons of papers, 80,000 tons of packaging and 320,000 tons of stationery.

 

Besides that, it also produces paper chemicals including caustic soda, calcium hypocloride, liquid calcium hypochloride and calcium oxide.  Its production is marketed by the SINAR MAS Group member who has controlled an extensive marketing network in many countries. Some 35% of the products are marketed locally and the rest of some 65% is exported to Asia countries (54%), Central East and Africa (24%), America (10%), Europe (9%) and Australia (3%).

 

Pursuant to the Company, for the fifth time, in 2012, PT Pabrik Kertas Tjiwi Kimia received the Primaniyarta Award, an award for the best Indonesian exporters. The manufacturer received the award for the Global Brand Development Category. Previously, PT Tjiwi Kimia received several other Primaniyarta awards in 2006, 2007, 2010, 2011 and 2012.

 

Beside that P.T. PKTK has ownership interest of more than 50% in the following subsidiaries which are engaged in real estate, property, hotel, and information technology business.  The table of P.T. PKTK’s subsidiary companies shall be as follows:

 

                       (In US$)

Name of Subsidiary

Lines of Business

Start of Operations

% of Ownership

Total Assets

(31 Dec. 2013)

PT. Mega Kertas Pratama

Distributor

1996

99.20

7

Tjiwi Kimia Trading III (BVI)

Distributor

1996

100.00

66,231

Tjiwi Kimia Finance (Mauritius) Ltd.

Financing Company

1997

100.00

38,453

TK Trading Limited (Cayman Islands)

Distributor

1997

100.00

17,087

Tjiwi Kimia trading II Limited, Cayman Island

Distributor

1998

100.00

51,557

TK Import & Export Ltd., BVI

Distributor

2001

100.00

8,204

Tjiwi Kimia Finance B.V., the Netherlands

Financing Company

2004

100.00

733,415

Marshall Enterprise Ltd., Malaysia

Investment

2004

100.00

83.080

PT. Sumalindo Hutani Jaya

Forestry

1992

99.99

28,303

Source: PT. Tjiwi Kimia Tbk

 

On July 15, 2013, the Company invests in P.T. OKI PULP & PAPER MILLS.  The detail of this account as of December 31, 2013 is as follows:

 

Investee

Lines of Business

Number of Shares Held

% of Ownership

Carrying Value

PT. OKI Pulp & Paper Mills

Pulp and Paper Industry

300,000

35.29

32,344

 

According to financial statement the total sales turnover of P.T. PKTK in 2007 amounted to US$ 1,154.9 million with a net profit of US$ 10.1 million increased to US$ 1,358.8 million with a net profit of US$ 51.7 million in 2008 declined to US$ 1,174.1 million with a net profit of US$ 31.7 million in 2009 rose again to US$ 1,338.8 million with a net profit of US$ 46.6 million in 2010 to US$ 1,378.7 million with a net profit of US$ 70.4 million in 2011 dropped to US$ 1,321.6 million with a net profit of US$ 34.8 million in 2012 and dropped again to US$ 1,222.4 million with a net profit of US$ 27.0 million in 2013. Up to present, we have yet to gain the statement of income of P.T. PKTK as of 30 June 2014.  Financial Statement of the Company per 31 December 2010, 2011, 2012 and 2013 is attached below.

 

The management is headed by Mr. Yudi Setiawan Lin AKA Lim Yun Shiang (67) an experienced professional manager in pulp & paper industry and marketing. He graduated from China Culture Academy, Taiwan, ROC, in Pulp & Paper Technology.  In daily activities, he is assisted by eight directors namely Mrs. Linda Suryasari Wijaya Limantara (33), Mrs. Indah Suryasari Widjaya Limantara (32), Mr. Hendra Jaya Kosasih (54), Mr. Anton Mailoa (49), Mr. Suresh Kilam (63), Mr. Agustian Rachmansjah Partawidjaja (62), Mr. Suhendra Wiriadinata (46) and Mr. Arman Sutedja (41).  The management has maintained a wide business relation among private national and foreign businessmen as well as among government agencies.  So far, we did not hear that the company’s management involved in the business malpractices or detrimental cases that settled in the country. The company’s litigation record is clean and it has not registered with the black list of Bank of Indonesia.

 

Considering the operation of the company declined in 2012 and 2013, we recommend to treat prudently in extending any new loan to the company.

 

 

Attachment

 

P.T. Pabrik Kertas TJIWI KIMIA Tbk

FINANCIAL STATEMENTS

Per 31 December 2010, 2011, 2012 and 2013

 

(in thousand US dollar )

DESCRIPTION

31  December

2013

2012

2011

2010

1. ASSETS

 

 

 

 

    a. Current Assets

 

 

 

 

         - Cash and Cash Equivalent

 

 

 

 

            * Third Parties

113,261

181,476

174,119

141,519

            * Related Parties

2,061

7,916

9,533

23,452

         - Trade Receivable       

 

 

 

 

             * Third Parties

34,351

39,839

38,881

56,383

             * Related Parties

73,270

134,648

204,322

191,563

         - Other Trade Receivable – net

7,672

621

488

506

        - Inventories

374,057

348,518

312,406

287,212

        - Advances and prepaid expenses

295,525

170,928

188,221

110,054

        - Prepaid Taxes

38,060

23,375

13,732

17,382

        - Other current assets

 

 

 

 

            * Third Parties

245,563

341,527

152,612

25,374

            * Related Parties

15,084

13,824

56,675

64,254

       Total Current Assets

1,198,904

1,262,551

1,150,989

917,699

   b. Non-current Assets

 

 

 

 

        - Trade receivables – related parties

36,670

51,099

60,603

66,2898

        - Other receivables – related parties

154,891

155,205

152,811

148,610

        - Deferred Tax Assets

1,646

1,044

534

650

        - Investment in associated company

25,768

--

--

--

        - Long-term Investment

820

1,034

1,103

1,112

        - Industrial Timber Estate – net of

          accumulated amortization

167

167

167

2,002

        - Industrial Timber Estate – under

          development

25,054

22,136

17,855

9,042

        - Fixed assets – net of acc.

          depreciation

1,152,312

1,179,546

1,175,226

1,174,173

        - Goodwill – net of acc. amortization

6,391

6,391

6,391

6,391

        - Other non-current assets      

2,333

2,869

3,218

3,787

      Total Non-Current Assets

1,406,052

1,419,491

1,417,908

1,412,055

TOTAL ASSETS = TOTAL LIABILITIES

                    AND EQUITY

2,604,956

2,682,042

2,568,897

2,329,754

2. LIABILITIES AND EQUITY

 

 

 

 

   a. Current Liabilities

 

 

 

 

       - Short term Liabilities

349,715

337,632

227,950

105,997

       - Trade Payable

 

 

 

 

          * Third Payables

39,802

41,614

58,091

60,164

          * Related Payable

5,282

10,434

9,558

17,874

       - Other Payables – third parties

10,212

12,175

9,491

11,545

       -  Advances from customers

 

 

 

 

          * Third parties

24,954

19,822

20,907

8,795

          * Related parties

111

258

273

238

      - Accrued Expanses

9,044

64,109

61,489

47,026

      - Taxes Payable

1,911

3,254

3,411

12,224

      - Current maturities of long-term

         liabilities

 

 

 

 

         * Lease liabilities

47

--

23

138

         * Bank loan

15,057

6,000

12,988

8,137

         * Loans, notes payable and bonds

54,060

29,145

194,109

146,259

    Total Current Liabilities

515,493

524,443

598,290

418,397

 

 

 

 

 

  b. Non-Current Liabilities

 

 

 

 

       - Deferred Tax Liabilities

38,447

50,030

52,167

53,684

       - Other Payables – related parties

9,112

14,052

16,805

8,853

       - Employee Benefits Obligation

40,638

47,451

45,935

41,590

       - Long term liabilities

 

 

 

 

          * Lease liabilities

102

--

23

161

          * Bank loan

150,596

104,324

37,534

16,274

          * Loans – net

217,797

251,532

309,829

304,188

          * Notes payable and bonds

908,968

951,067

973,307

965,764

      - Current maturities of long-term 

        liabilities

 

 

 

 

          * Lease liabilities

(47)

--

(23)

(138)

          * Bank loan

(15,057)

(6,000)

(12,988)

(8,137)

          * Loans, notes payable and bonds

(59,358)

(29,145)

(194,109)

(146,259)

   Total Non-Current Liabilities

1,291,198

1,383,311

1,228,480

1,235,980

3. TOTAL EQUITY

 

 

 

 

  - Issued and Paid up Capital

537,169

537,169

537,170

537,170

  - Additional paid in capital

30,201

30,201

30,201

30,201

  - Difference arising from transaction

(1,986)

(1,986)

(1,986)

--

  - Exchange differences due to financial

    statements translation

2,038

1,666

831

415

  - Retained Earnings

230,842

207,238

175,912

107,592

  Total Equity

798,265

774,288

742,127

675,377

 

 

 

 

 

3. INCOME STATEMENT

 

 

 

 

    a. Total/Net Sales

1,222,356

1,321,641

1,378,740

1,338,766

    b. Cost of Goods Sold

(1,072,807)

(1,105,457)

(1,145,880)

(1,117,277)

    c. Gross Profit

149,549

216,184

232,860

221,489

    d. Operating Expenses

(118,350)

(130,274)

(127,463)

(142,467)

    e. Operating Profit (Loss)

31,199

85,910

105,397

79,022

    f.  Other Income (Expenses)

(16,374)

(44,283)

(14,906)

(16,965)

    g. Profit (Loss) Before Income Tax

14,825

41,627

90,491

62,057

    h. Tax Benefit (Expense) - Net

12,185

(6,810)

(20,079)

(15,485)

    i.  Income Before Pre-Acquisition Loss

27,010

34,627

70,412

46,572

    j.  Pre-acquisition loss

--

--

--

--

   m. Net Profit (Loss)

27,010

34,817

70,412

46,572

Note:  As of 31 Dec. 2010, 2011, 2012 and 2013 is audited by Tjiendradjaja & Handoko Tomo

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.65

UK Pound

1

Rs.99.14

Euro

1

Rs.77.60

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

NIT

 

               

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.