MIRA INFORM REPORT

 

 

Report Date :

01.02.2014

 

IDENTIFICATION DETAILS

 

Name :

TAITA CHEMICAL CO., LTD.

 

 

Registered Office :

12F., No.37 Ji-Hu Rd., Nei-Hu Dist., Taipei

 

 

Country :

Taiwan

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

06.04.1960

 

 

Reg. No.:

11893409

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and sales of chemicals

 

 

No. of Employees :

About 390 Employees

 

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 :

Regular

 

 

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, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

China

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

CHINA - ECONOMIC OVERVIEW

 

Since the late 1970s China has moved from a closed, centrally planned system to a more market-oriented one that plays a major global role - in 2010 China became the world's largest exporter. Reforms began with the phasing out of collectivized agriculture, and expanded to include the gradual liberalization of prices, fiscal decentralization, increased autonomy for state enterprises, creation of a diversified banking system, development of stock markets, rapid growth of the private sector, and opening to foreign trade and investment. China has implemented reforms in a gradualist fashion. In recent years, China has renewed its support for state-owned enterprises in sectors it considers important to "economic security," explicitly looking to foster globally competitive national champions. After keeping its currency tightly linked to the US dollar for years, in July 2005 China revalued its currency by 2.1% against the US dollar and moved to an exchange rate system that references a basket of currencies. From mid 2005 to late 2008 cumulative appreciation of the renminbi against the US dollar was more than 20%, but the exchange rate remained virtually pegged to the dollar from the onset of the global financial crisis until June 2010, when Beijing allowed resumption of a gradual appreciation. The restructuring of the economy and resulting efficiency gains have contributed to a more than tenfold increase in GDP since 1978. Measured on a purchasing power parity (PPP) basis that adjusts for price differences, China in 2012 stood as the second-largest economy in the world after the US, having surpassed Japan in 2001. The dollar values of China's agricultural and industrial output each exceed those of the US; China is second to the US in the value of services it produces. Still, per capita income is below the world average. The Chinese government faces numerous economic challenges, including: (a) reducing its high domestic savings rate and correspondingly low domestic demand; (b) sustaining adequate job growth for tens of millions of migrants and new entrants to the work force; (c) reducing corruption and other economic crimes; and (d) containing environmental damage and social strife related to the economy's rapid transformation. Economic development has progressed further in coastal provinces than in the interior, and by 2011 more than 250 million migrant workers and their dependents had relocated to urban areas to find work. One consequence of population control policy is that China is now one of the most rapidly aging countries in the world. Deterioration in the environment - notably air pollution, soil erosion, and the steady fall of the water table, especially in the North - is another long-term problem. China continues to lose arable land because of erosion and economic development. The Chinese government is seeking to add energy production capacity from sources other than coal and oil, focusing on nuclear and alternative energy development. In 2010-11, China faced high inflation resulting largely from its credit-fueled stimulus program. Some tightening measures appear to have controlled inflation, but GDP growth consequently slowed to under 8% for 2012. An economic slowdown in Europe contributed to China's, and is expected to further drag Chinese growth in 2013. Debt overhang from the stimulus program, particularly among local governments, and a property price bubble challenge policy makers currently. The government's 12th Five-Year Plan, adopted in March 2011, emphasizes continued economic reforms and the need to increase domestic consumption in order to make the economy less dependent on exports in the future. However, China has made only marginal progress toward these rebalancing goals.

Source : CIA

 

 

 


Contact Points

 

Company Name:

Taita Chemical Co., Ltd.

Supplied Name:

Taita Chemical Co Ltd.

Trading Address:

12F., No.37 Ji-Hu Rd., Nei-Hu Dist., Taipei, Taiwan R.O.C.

Supplied Address:

12F, 37 Ji-hu Road, Nei-hu Dist. Taipei

Telephone Number:

+886-2-8751-6888

Fax Number:

+886-2-2659-9520

E-mail:

sasho@ttc.com.tw

Notes: The exact name and address are as above.

 

 

Company Identification Details

 

Registered Name:

TAITA CHEMICAL CO., LTD.

Registered Address:

12F., No.37 Ji-Hu Rd., Nei-Hu Dist., Taipei, Taiwan R.O.C.

Date of Foundation:

1960-4-6

Registration Number:

11893409

Registry:

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

Registered Capital:

NTD 3,276,518,550 (USD 111,073,900000079)

(As of 2014.1, 1 NTD = 0.0339 USD)

Paid-up Capital:

NTD 3,276,518,550 (USD 111,073,979)

Legal Representatives:

Yigui Wu

Legal Form:

Joint Stock Company

Principal Activities:

Manufacturing and sales of chemicals

Staff:

About 390 Employees

Listed at Stock Exchange:

Yes; Stoke Symbol:1309

Date of Last Annual Return:

2013-6-25

 

 

History

 

Subject was incorporated on 1960-4-6 with registered number 11893409 as Joint Stock Company in Taiwan.

 

Subject listed on Taiwan Stock Exchange on 1986-6-27.

 

 

Shareholders

 

Name

Subscription Shares

Lianju International Investment Co Ltd (literal translation)

120,159,750

Yilian International Investment Co Ltd (literal translation)

29,981,137

 

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

 

Shareholder Information:

Registered Name:

Lianju International Investment Co Ltd (literal translation)

Registered Address:

12F., No.37 Ji-Hu Rd., Nei-Hu Dist., Taipei, Taiwan R.O.C.

Date of Foundation:

1996-10-18

Registration Number:

97168102

Registry:

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

Registered Capital:

NTD 3,567,616,000 (USD 120,942,182)

(As of 2014.1, 1 NTD = 0.0339 USD)

Paid-up Capital:

NTD 3,567,616,000 (USD 120,942,182)

Legal Representatives:

Yigui Wu

Legal Form:

Joint Stock Company

Listed at Stock Exchange:

No

Date of Last Annual Return:

2013-8-6

 

 

Subsidiaries & Branches

 

Factories

1

Address:

No. 3, Jianji Street, Qianzhen District, Gaoxiong City

Date of Registration:

1965-12-1

Factory Registration Number:

64000067

Factory Manager:

Zhihong Liu

Status:

In Production

Date of Last Annual Return:

2011-3-10

2

Address:

No. 571, Minzu Road, 17 Tianliao Alley, Toufen Tow, Miaoli County

Date of Foundation:

1991-1-25

Date of Registration:

1992-8-5

Factory Registration Number:

99631806

Factory Manager:

Shengpeng Chen

Status:

In Production

Date of Last Annual Return:

2007-12-19

3

Address:

No. 5, Industrial 1 Road, Linyuan District, Gaoxiong City

Date of Foundation:

1982-2-22

Date of Registration:

1990-12-31

Factory Registration Number:

99661848

Factory Manager:

Qinglong Li

Status:

In Production

Date of Last Annual Return:

2012-3-7

 

 

Personnel Information

 

Core Management

 

Directors

1

Name

Yigui Wu

Position

Board Chairman

2

Name

Fengqiang Miao

Position

Director

3

Name

Hantai Liu

Position

Director

4

Name

Xinhuai Zhou

Position

Director

5

Name

Baoluo Ying

Position

Director/Manager

Date of Appointment

2008-9-30

6

Name

Yishao Ke

Position

Director

7

Name

Zhentu Liu

Position

Director

8

Name

Shengquan Wu

Position

Supervisor

9

Name

Zhaoan Wang

Position

Supervisor

 

Personnel Structure

 

Total Employees

About 390 Employees

 

 

Operation Information

 

Offices & Factories

 

 

Headquarters

Add

12F., No.37 Ji-Hu Rd., Nei-Hu Dist., Taipei, Taiwan R.O.C.

 

Production Information

 

Subject is engaged in manufacturing of chemicals, etc.

Subject has factories in Taiwan for production.

Subject obtained the certification of ISO9001, ISO14001, etc.

 

Purchase Information

 

The registered activities of subject:

Business Code

Details

 

The cotter of polystyrene and processed products

 

Manufacturing and sales of propylene, butadiene, styrene copolymer resin (ABS).

 

Manufacturing and sales of propylene, styrene copolymer resin (SAN).

 

The cotter of glass cotton and related products

 

The cotter of plastic raw materials and processed products

E303020

Noise and vibration control engineering

E801010

Interior decorating businesses

ZZ99999

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

 

The components and raw material for production are purchased from both home and abroad.

 

Sales Information

 

The subject is mainly engaged in sales of chemicals, etc.

The major products sold by subject include Acrylonitrile-Butadiene-Styrene Resin (ABS), General Purpose Polystyrene (GPPS), High Impact Polystyrene (HIPS), Expandable Polystyrene (EPS), Glass Wool (GW), Cubic Printing, etc.

The subject sales regions include Asia, America, Europe, etc.

Subject sales the product with the brand of “Taitalac®”, “Taitacell®”.

 

Import and export right:

Import right

Yes

Export right

Yes

 

 

Settlements

 

Purchase

 

Domestic Purchase

Products

Components and raw material

Terms

Cash, T/T, etc

 

Import

Products

Components and raw material

Terms

L/C, etc

 

Sales

 

Domestic Markets

Product

Chemicals, etc.

Terms

T/T, Cash, etc

 

Export

Products

Chemicals, etc.

Terms

L/C, etc

 

 

Balance Sheet

 

Unit: NTD/000

 

2012-12-31

2011-12-31

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

97,237.00

183,747.00

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

430,571.00

973,615.00

Notes receivable - net

57,169.00

74,908.00

Accounts receivable - net

721,503.00

1,018,793.00

Accounts receivable - related parties - net

21,125.00

1,634.00

Other receivables

69,395.00

83,743.00

Other receivables - related parties

6,420.00

6,406.00

Inventories

1,010,874.00

1,031,621.00

Other current assets

73,310.00

64,733.00

Current assets

2,487,604.00

3,439,200.00

Funds and Investments

 

 

Available-for-sale financial assets - non current

341,230.00

320,719.00

Financial assets carried at cost - non current

5,000.00

6,750.00

Equity investments under equity method

2,130,368.00

2,177,002.00

Investments

2,130,368.00

2,177,002.00

Funds and long-term investments

2,476,598.00

2,504,471.00

Fixed Assets

 

 

Cost

 

 

Land

255,269.00

255,269.00

Buildings and structures

580,707.00

593,907.00

Machinery and equipment

2,441,836.00

2,712,924.00

Transportation equipment

21,913.00

21,913.00

Other facilities

211,018.00

204,828.00

Revaluation increment

381,360.00

381,360.00

Cost and revaluation increment

3,892,103.00

4,170,201.00

Accumulated depreciation

-2,961,690.00

-3,198,625.00

Construction in process and prepayment for equipments

560,405.00

105,055.00

Fixed assets

1,490,818.00

1,076,631.00

Intangible Assets

 

 

Deferred pension cost

0

2

Intangible assets

0

2

OtherAssets

 

 

Rental assets

93,525.00

93,306.00

Idled assets

19,489.00

19,489.00

Guarantee deposits paid

310

310

Deferred charges

8,445.00

392

Deferred income tax assets - non current

55,033.00

39,557.00

Other assets - other

15,225.00

15,000.00

Other assets

192,027.00

168,054.00

Assets

6,647,047.00

7,188,358.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowings

0

319,557.00

Short-term notes and bills payable

199,954.00

299,845.00

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

1

57

Accounts payable

647,766.00

554,318.00

Accounts payable - related parties

1,092.00

635

Income tax payable

957

19,925.00

Accrued expenses

115,492.00

142,228.00

Other payables - related parties

13,185.00

6,766.00

Other payables

32,379.00

16,458.00

Long-term liabilities - current portion

499,734.00

499,868.00

Other current liabilities

5,676.00

6,249.00

Current liabilities

1,516,236.00

1,865,906.00

Long term Liabilities

 

 

Long-term borrowings

400,000.00

499,422.00

Long-term liabilities

400,000.00

499,422.00

Reserves

 

 

Reserve for land revaluation increment tax

143,860.00

143,860.00

Reserves

143,860.00

143,860.00

Other Liabilities

 

 

Pension reserve / accrued pension liability

520,049.00

501,236.00

Guarantee deposits received

779

590

Other liabilities

520,828.00

501,826.00

Liabilities

2,580,924.00

3,011,014.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

3,276,518.00

3,120,493.00

Capital Surplus

 

 

Capital surplus - long-term equity investments

4,873.00

4,338.00

Capital surplus

4,873.00

4,338.00

Retained Earnings

 

 

Legal reserve

95,436.00

68,333.00

Unappropriated retained earnings

103,112.00

412,389.00

Retained earnings

198,548.00

480,722.00

Stockholders' Equity and Other adjustmen

 

 

Cumulative translation adjustments

104,447.00

160,233.00

Net loss not recognized as pension cost

-79,687.00

-90,874.00

Unrealized gains (losses) on financial instruments

282,154.00

223,162.00

Unrealized Revaluation Increment

279,270.00

279,270.00

Equity adjustments

586,184.00

571,791.00

Stockholdersˉ equity

4,066,123.00

4,177,344.00

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

0

0

 

0

0

 

 

Profit and loss account

 

Unit: NTD/000

 

2012

2011

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

97,237.00

183,747.00

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

430,571.00

973,615.00

Notes receivable - net

57,169.00

74,908.00

Accounts receivable - net

721,503.00

1,018,793.00

Accounts receivable - related parties - net

21,125.00

1,634.00

Other receivables

69,395.00

83,743.00

Other receivables - related parties

6,420.00

6,406.00

Inventories

1,010,874.00

1,031,621.00

Other current assets

73,310.00

64,733.00

Current assets

2,487,604.00

3,439,200.00

Funds and Investments

 

 

Available-for-sale financial assets - non current

341,230.00

320,719.00

Financial assets carried at cost - non current

5,000.00

6,750.00

Equity investments under equity method

2,130,368.00

2,177,002.00

Investments

2,130,368.00

2,177,002.00

Funds and long-term investments

2,476,598.00

2,504,471.00

Fixed Assets

 

 

Cost

 

 

Land

255,269.00

255,269.00

Buildings and structures

580,707.00

593,907.00

Machinery and equipment

2,441,836.00

2,712,924.00

Transportation equipment

21,913.00

21,913.00

Other facilities

211,018.00

204,828.00

Revaluation increment

381,360.00

381,360.00

Cost and revaluation increment

3,892,103.00

4,170,201.00

Accumulated depreciation

-2,961,690.00

-3,198,625.00

Construction in process and prepayment for equipments

560,405.00

105,055.00

Fixed assets

1,490,818.00

1,076,631.00

Intangible Assets

 

 

Deferred pension cost

0

2

Intangible assets

0

2

OtherAssets

 

 

Rental assets

93,525.00

93,306.00

Idled assets

19,489.00

19,489.00

Guarantee deposits paid

310

310

Deferred charges

8,445.00

392

Deferred income tax assets - non current

55,033.00

39,557.00

Other assets - other

15,225.00

15,000.00

Other assets

192,027.00

168,054.00

Assets

6,647,047.00

7,188,358.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowings

0

319,557.00

Short-term notes and bills payable

199,954.00

299,845.00

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

1

57

Accounts payable

647,766.00

554,318.00

Accounts payable - related parties

1,092.00

635

Income tax payable

957

19,925.00

Accrued expenses

115,492.00

142,228.00

Other payables - related parties

13,185.00

6,766.00

Other payables

32,379.00

16,458.00

Long-term liabilities - current portion

499,734.00

499,868.00

Other current liabilities

5,676.00

6,249.00

Current liabilities

1,516,236.00

1,865,906.00

Long term Liabilities

 

 

Long-term borrowings

400,000.00

499,422.00

Long-term liabilities

400,000.00

499,422.00

Reserves

 

 

Reserve for land revaluation increment tax

143,860.00

143,860.00

Reserves

143,860.00

143,860.00

Other Liabilities

 

 

Pension reserve / accrued pension liability

520,049.00

501,236.00

Guarantee deposits received

779

590

Other liabilities

520,828.00

501,826.00

Liabilities

2,580,924.00

3,011,014.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

3,276,518.00

3,120,493.00

Capital Surplus

 

 

Capital surplus - long-term equity investments

4,873.00

4,338.00

Capital surplus

4,873.00

4,338.00

Retained Earnings

 

 

Legal reserve

95,436.00

68,333.00

Unappropriated retained earnings

103,112.00

412,389.00

Retained earnings

198,548.00

480,722.00

Stockholders' Equity and Other adjustmen

 

 

Cumulative translation adjustments

104,447.00

160,233.00

Net loss not recognized as pension cost

-79,687.00

-90,874.00

Unrealized gains (losses) on financial instruments

282,154.00

223,162.00

Unrealized Revaluation Increment

279,270.00

279,270.00

Equity adjustments

586,184.00

571,791.00

Stockholdersˉ equity

4,066,123.00

4,177,344.00

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

0

0

 

0

0

 

 

Cash flow

 

Unit: NTD/000

 

2012

2011

Net Income (Loss)

-63,747.00

271,032.00

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

 

 

 Depreciation Expense

81,915.00

92,055.00

 Amortization Expense

169.00

13,302.00

 Provision (Reversal of Provision) for Bad Debts Losses

52,750.00

-3,953.00

 Provision (Reversal of Provision) for Sales Returns, Discounts and Allowances

463.00

387.00

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

-8,006.00

14,807.00

 Investment Loss (Income) Recognized under Equity Method

-19,440.00

-121,573.00

 Cash Dividends Received from Investments Accounted for under Equity Method

2,414.00

4,962.00

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

840.00

-763.00

 Loss (Gain) on Disposal of Investments

-9,571.00

-3,603.00

 Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

-49,500.00

-7,200.00

 Impairment Losses on Financial Asset

23,360.00

0.00

 Loss (Gain) on Deferred Income Tax

-12,332.00

1,393.00

 Changes in Operating Assets and Liabilities

 

 

 Decrease (Increase) in Financial Assets Held for Trading

0.00

50,000.00

 Decrease (Increase) in Notes Receivable

17,739.00

-14,734.00

 Decrease (Increase) in Accounts Receivable

244,077.00

57,548.00

 Decrease (Increase) in Accounts Receivable - Related Parties

-19,491.00

8,436.00

 Decrease (Increase) in Other Receivables

14,348.00

-23,210.00

 Decrease (Increase) in Other Receivable- Related Parties

-14.00

1,246.00

 Decrease (Increase) in Inventories

28,753.00

-225,747.00

 Decrease (Increase) in Other Current Assets

-605.00

-7,305.00

 Increase (Decrease) in Accounts Payable

93,448.00

3,766.00

 Increase (Decrease) in Accounts Payable - Related Parties

457.00

-473.00

 Increase (Decrease) in Income Tax Payable

-18,968.00

-5,009.00

 Increase (Decrease) in Accrued Expenses

-26,736.00

-23,253.00

 Increase (Decrease) in Other Payables

-1,485.00

1,851.00

 Increase (Decrease) in Other Payable - Related Parties

6,419.00

1,413.00

 Increase (Decrease) in Other Current Liabilities

-573.00

-3,047.00

 Increase (Decrease) in Accrued Pension Liabilities

31,680.00

30,251.00

Net Cash Provided by (Used in) Operating Activities

368,364.00

112,579.00

Cash Flows from Investing Activities

 

 

 Acquisition of Financial Assets as Fair Value through Profit or Loss

-4,147,800.00

-3,658,000.00

 Proceeds from Disposal of Financial Assets as Fair Value through Profit or Loss

4,747,197.00

3,577,529.00

 Proceeds from Disposal of Available-for-sale Financial Assets

13,398.00

1,891.00

 Capital Reduction of Financial Assets Carried at Cost

1,750.00

1,500.00

 Purchase of Property, Plant and Equipment

-479,940.00

-119,625.00

 Proceeds from Disposal of Property, Plant and Equipment

185.00

763.00

 Increase in Deferred Charges

-8,222.00

-504.00

 Decrease (Increase) in Restricted Assets

-225.00

110,000.00

 Net Cash Provided by (Used in) Investing Activities

126,343.00

-86,446.00

Cash Flows from Financing Activities

 

 

 Increase (Decrease) in Short-term Loans

-319,557.00

139,912.00

 Increase (Decrease) in Short-term Notes and Bills Payable

-99,891.00

299,845.00

 Proceeds from Long-term Debt

900,444.00

50,366.00

 Repayment of Long-term Debt

-1,000,000.00

-700,000.00

 Increase (Decrease) in Guarantee Deposits Received

189.00

500.00

 Cash Dividends Paid

-62,402.00

-139,304.00

 Net Cash Provided by (Used in) Financing Activities

-581,217.00

-348,681.00

Net Increase (Decrease) in Cash and Cash Equivalents

-86,510.00

-322,548.00

Cash and Cash Equivalents, Beginning of year

183,747.00

506,295.00

Cash and Cash Equivalents, End of year

97,237.00

183,747.00

Supplemental Cash Flow Information

 

 

 Interest Paid

18,004.00

18,706.00

 Interest Paid- Excluding Capitalized Interest

15,144.00

18,510.00

 Income Tax Paid

20,663.00

32,157.00

Non-cash Investing and Financing Activities

 

 

 Current Portion of Long-term Liabilities

499,734.00

499,868.00

Investing Activities Affecting Both Cash and Non-cash Items

 

 

 Cash Paid for Acquisition of Property, Plant and Equipment

 

 

 Increase in Property, Plant and Equipment

497,346.00

132,363.00

 Increase (Decrease) in Payable for Equipment Purchased

-17,406.00

-12,738.00

 Cash Paid for Acquisition of Property, Plant and Equipment

479,940.00

119,625.00

 

 

Bankers

 

Subject declined to disclose its bank details; from other source we cannot obtain the relevant information, either.

 

 

Public Record

 

Mortgage

 

No chattel mortgage record of subject has been found within the recent 3 months.

 

Lawsuit

 

Up to date of reporting, no existing or latent litigation of the subject has been found.

 

 

Interview Details

 

Name

The Operator


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.48

UK Pound

1

Rs.102.95

Euro

1

Rs.84.60

 

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

 

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.