MIRA INFORM REPORT

 

 

Report Date :

21.01.2014

 

IDENTIFICATION DETAILS

 

Name :

FORBES BUMI ARMADA OFFSHORE LIMITED

 

 

Registered Office :

Forbes Building, Charanjit Rai Marg, Fort, Mumbai – 400001, Maharashtra

 

 

Country :

India

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

29.10.2010

 

 

Com. Reg. No.:

11-209600

 

 

Capital Investment / Paid-up Capital :

Rs. 21.000 Millions

 

 

CIN No.:

[Company Identification No.]

U11102MH2010PLC209600

 

 

PAN No.:

[Permanent Account No.]

AABCF6263G

 

 

Legal Form :

A Closely Held Public Limited Liability Company

 

 

Line of Business :

Provides oilfield support floating, production, storage and offloading vessel.

 

 

No. of Employees :

Information declined by the management

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba (44)

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

Usually correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is a subsidiary of Forbes and Company Limited.

 

It is an established company having satisfactory track record.

 

The company has successfully implemented FPSO project in DI field of ONGC. The facility has been accepted by ONGC after a test run of 72 hours. The company will further improve its financial position during coming years.

 

There appears accumulated losses recorded by the company. However, the company receives strong financial and operational support from its group company.

 

Trade relations are reported as fair. Business is active. Payments are reported to be usually correct.

 

In view of strong holding the company can be considered normal for business at usual trade terms and conditions.

 

NOTES :

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

 

INDIAN ECONOMIC OVERVIEW

 

India’s current account deficit narrowed in the quarter ended September as government measures to curb imports, especially gold, kicked in.  The current account deficit, the excess of a country’s imports of goods and services over exports, narrowed to $ 5.2 billion from $ 21 billion in the year ago period, according to provisional Reserve Bank of India data. Finance Minister P. Chidambaram said the CAD for the year will be less than $ 60 billion or 3 per cent of GDP and the latest data suggests the government may achieve the target.

 

India was ranked 94th among the world’s most corrupt nations list. Denmark and New Zealand topped as the cleanest while Somalia emerged as the most corrupt.

 

India’s services sector activity witnessed a moderate improvement in November over the previous month, even while indicating the fifth successive monthly contraction, according the HSBC survey.

 

$53 million estimated losses suffered by India due to phishing attacks during the third quarter, according to a study by RSA. India ranks fourth in the list of nations hit by phishing attacks. The US remained at the top of the charts. Phishing is the process of acquiring information such as user names, passwords and credit card details by sending e-mails disguised as official mails.

 

Rs.4080 million worth of mobile-phone-based transactions by July 2013 compared to Rs.260 million in September, 2012, according to Deloitte report. The number of transactions has shot up from 94000 to 701000.

 

India aims to earn Rs.400000 million from the bandwidth auction set for January. The merger and acquisition guidelines, cleared by a group of ministers, will be out before the auction begins so that players can make informed decisions on the auctions.

 

RBI DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

 

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2012.

 

INFORMATION DECLINED

 

Management Non-cooperative (91-22-40749191)

 

LOCATIONS

 

Registered Office :

Forbes Building, Charanjit Rai Marg, Fort, Mumbai – 400001, Maharashtra, India

Tel. No.:

91-22-40749191 / 42630157

Fax No.:

91-22-40749191

E-Mail :

sanjay.bhola@fbaol.co.in

marketing@forbesbumiarmada.com

Website :

http://www.bumiarmada.com

 

 

Correspondence Office :

Sulte 7, Tower 3, Equinox Business Park (peninsula Techno Park), Off. Bandra Kurla Complex, LBS Marg, Kurla (West), Mumbai – 400 070, Maharashtra, India

Tel. No.:

91-22-42630153

Fax No.:

91-22-61215179

 

 

DIRECTORS

 

As on 02.08.2013

 

Name :

Tehmuras Rustom Doongaji

Designation :

Additional Director

Address :

1701, Siddhivinayak Horizon `A', Veer Nariman Road, Prabhadevi, Mumbai – 400025, Maharashtra, India 

Date of Birth/Age :

04.11.1943

Date of Appointment :

02.08.2013

DIN No.:

00040454

 

 

Name :

Mr. Ashok Kumar Barat

Designation :

Director

Address :

Everest House, 3rd Floor, 14 Carmichael Road, Mumbai - 400030, Maharashtra, India

Date of Birth/Age :

05.12.1956

Date of Appointment :

29.10.2010

DIN No.:

00492930

 

 

Name :

Mr. Ravi Shankar Srinivasan

Designation :

Director

Address :

53, M H Road, Perambur, Chennai, 600011, Tamilnadu, India

Date of Appointment :

23.02.2011

DIN No.:

02031400

 

 

Name :

Mr. Jonathan Edward Duckett

Designation :

Director

Address :

8, Jalan Pju 3/23C, Sunway Damansara, Petaling Jaya, Selangor, 47410, Malaysia

Date of Appointment :

23.02.2011

DIN No.:

02033166

 

 

Name :

Mr. Hassan Assad Basma

Designation :

Director

Address :

365, Holland Road, #05-06, Allsworth Park, Singapore, 278639, Singapore

Date of Appointment :

23.02.2011

DIN No.:

02509644

 

 

Name :

Mr. Alvin Archibald Strang

Designation :

Director

Address :

69, Jalan Su 2A, Sering Ukay, Ukay Perdana Kuala Lumpur - 68000

Date of Birth/Age :

03.05.1956

Date of Appointment :

16.08.2012

DIN No.:

05235317

 

 

KEY EXECUTIVES

 

Name :

Capt. Vikas Harbans Lal Wasudev

Designation :

Manager

Address :

1149 Sector 7, Panchkula, Panchkula, 134109, Haryana, India

Date of Appointment :

01.07.2012

PAN No.:

AAPPW2461G

 

 

Name :

Mr. Sanjay Bhola

Designation :

Secretary

Address :

H-12, Flat No. 603, Pratiksha Nagar, Sion (East), Mumbai – 400022, Maharashtra, India  

Date of Birth/Age :

26.12.1966

Date of Appointment :

04.01.2013

PAN No.:

AFDPB1467Q

 

 

MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN

 

As on 02.08.2013

 

Names of Shareholders

 

No. of Shares

Forbes and Company Limited, India

 

4950100

Forbes and Company Limited, India  JT Chandrashekar A Kanik

 

10000

Forbes and Company Limited, India  JT Amit Mittal

 

10000

Forbes and Company Limited, India  JT Ashok T Shah

 

10000

Forbes and Company Limited, India  JT Sunetra Ganesan

 

10000

Forbes and Company Limited, India  JT Sandeep Kadakia

 

9998

Forbes and Company Limited, India  JT Vinod Vora

 

1

Forbes and Company Limited, India  JT P Pradhan

 

1

Bhumi Armada Berhad

 

4999900

Total

 

10000000

 

 

As on 02.08.2013

Equity Share Break up (Percentage of Total Equity)

 

Category

Percentage

Foreign holdings( Foreign institutional investor(s), Foreign companie(s) Foreign financial institution(s), Non-resident Indian(s) or Overseas Corporate bodies or Others

49.99

Bodies corporate

50.01

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Provides oilfield support floating, production, storage and offloading vessel.

 

 

Products :

Description of product or service

ITC Code

Support services to oil and gas extraction

99862110

 

 

GENERAL INFORMATION

 

No. of Employees :

Information declined by the management

 

 

Bankers :

IDBI Bank

 

 

 

Banking Relations :

---

 

 

Financial Institutions :

SBICAP Trustee Company Limited, 202, Maker Tower, 'E', Cuffe Parade, Colaba, Mumbai - 400005, Maharashtra, India

 

 

Auditors :

 

Name :

U. V. Shah and Company

Chartered Accountants

Address :

71/5, Deepak R.B. Mehta Marg, Ghatkopar East, Mumbai 400077, Maharashtra, India

PAN No.:

AAHPS4463J

 

 

Ultimate Holding Company :

Shapoorji Pallonji and Company Limited

 

 

Holding Company :

Forbes and Company Limited

 

 

Fellow Subsidiary Company :

·         Forbes Bumi Armada Limited

·         C. Group companies

·         Bumi Armada Behrad

·         Forvol International Services Limited

·         Bumi Armada Navigation Sdn Bhd.

·         Armada D1 Pte. Limited

 

 

CAPITAL STRUCTURE

 

As on 02.08.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

15000000

Equity Shares

Rs.10/- each

Rs.150.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

10000000

Equity Shares

Rs.10/- each

Rs.100.000 Millions

 

 

 

 

 

 

As on 31.03.2013

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

5000000

Equity Shares

Rs.10/- each

Rs.50.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

2100000

Equity Shares

Rs.10/- each

Rs.21.000 Millions

 

 

 

 


 

FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

31.03.2013

31.03.2012

31.03.2011

I.        EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

21.000

1.000

1.000

(b) Reserves & Surplus

(40.220)

(11.178)

(2.381)

(c) Money received against share warrants

0.000

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

0.000

0.000

0.000

Total Shareholders’ Funds (1) + (2)

(19.220)

(10.178)

(1.381)

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

0.000

0.000

0.000

(b) Deferred tax liabilities (Net)

0.000

0.000

0.000

(c) Other long term liabilities

0.000

0.000

0.000

(d) long-term provisions

0.000

0.000

0.000

Total Non-current Liabilities (3)

0.000

0.000

0.000

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

57.794

13.000

0.000

(b) Trade payables

186.932

8.926

2.054

(c) Other current liabilities

10.919

0.153

0.000

(d) Short-term provisions

0.000

0.000

0.000

Total Current Liabilities (4)

255.645

22.079

2.054

 

 

 

 

TOTAL

236.425

11.901

0.673

 

 

 

 

II.      ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

0.526

0.000

0.000

(ii) Intangible Assets

0.018

0.000

0.000

(iii) Capital work-in-progress

0.000

0.000

0.000

(iv) Intangible assets under development

0.000

0.000

0.000

(b) Non-current Investments

2.191

0.000

0.000

(c) Deferred tax assets (net)

0.000

0.000

0.000

(d)  Long-term Loan and Advances

10.470

7.120

0.000

(e) Other Non-current assets

0.000

0.000

0.000

Total Non-Current Assets

13.205

7.120

0.000

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

0.000

0.000

0.000

(b) Inventories

0.000

0.000

0.000

(c) Trade receivables

213.907

0.000

0.000

(d) Cash and cash equivalents

0.840

0.178

0.566

(e) Short-term loans and advances

8.473

4.603

0.025

(f) Other current assets

0.000

0.000

0.082

Total Current Assets

223.220

4.781

0.673

 

 

 

 

TOTAL

236.425

11.901

0.673

 


 

PROFIT & LOSS ACCOUNT

 

 

PARTICULARS

31.03.2013

31.03.2012

31.03.2011

 

SALES

 

 

 

 

 

Income

197.621

0.000

0.000

 

 

Other Income

0.453

0.001

0.000

 

 

TOTAL                                     (A)

198.074

 0.001

0.000

 

 

 

 

 

Less

EXPENSES

 

 

 

 

 

Employee benefit expense

8.392

0.000

0.000

 

 

Other expenses

215.853

8.797

2.381

 

 

TOTAL                                     (B)

224.245

8.797

2.381

 

 

 

 

 

Less

PROFIT / (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B)      (C)

(26.171)

(8.796)

(2.381)

 

 

 

 

 

Less

FINANCIAL EXPENSES                         (D)

2.855

0.000

0.000

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D)                               (E)

(29.026)

(8.796)

(2.381)

 

 

 

 

 

Less/ Add

DEPRECIATION/ AMORTISATION                     (F)

0.016

0.000

0.000

 

 

 

 

 

 

PROFIT / (LOSS) BEFORE TAX (E-F)                (G)

(29.042)

(8.796)

(2.381)

 

 

 

 

 

Less

TAX                                                                  (H)

0.000

0.000

0.000

 

 

 

 

 

 

PROFIT / (LOSS) AFTER TAX (G-H)                  (I)

(29.042)

(8.796)

(2.381)

 

 

 

 

 

Add

PREVIOUS YEARS’ BALANCE BROUGHT FORWARD

(11.177)

(2.381)

0.000

 

 

 

 

 

 

BALANCE CARRIED TO THE B/S

(40.219)

(11.177)

(2.381)

 

 

 

 

 

 

Earnings Per Share (Rs.)

(6.86)

(8.80)

(2.38)

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2013

31.03.2012

31.03.2011

PAT / Total Income

(%)

(14.66)

(879600.00)

0.00

 

 

 

 

 

Net Profit Margin

(PBT/Sales)

(%)

(14.70)

0.00

0.00

 

 

 

 

 

Return on Total Assets

(PBT/Total Assets}

(%)

(12.40)

(7391)

(353.79)

 

 

 

 

 

Return on Investment (ROI)

(PBT/Networth)

 

1.51

0.86

1.72

 

 

 

 

 

Debt Equity Ratio

(Total Debt /Networth)

 

(3.01)

1.28

0.00

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

0.87

0.22

0.33

 

 

LOCAL AGENCY FURTHER INFORMATION

 

CURRENT MATURITIES OF LONG-TERM DEBT: NOT AVAILABLE

 

Sr. No.

Check List by Info Agents

Available in Report (Yes / No)

1]

Year of Establishment

Yes

2]

Locality of the firm

Yes

3]

Constitutions of the firm

Yes

4]

Premises details

No

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

No

9]

Name of person contacted

No

10]

Designation of contact person

No

11]

Turnover of firm for last three years

Yes

12]

Profitability for last three years

Yes

13]

Reasons for variation <> 20%

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

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

Yes

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

No

20]

Export / Import details (if applicable)

No

21]

Market information

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

22]

Litigations that the firm / promoter involved in

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

23]

Banking Details

Yes

24]

Banking facility details

Yes

25]

Conduct of the banking account

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

26]

Buyer visit details

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

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

Yes

30]

Major Shareholders, if available

Yes

31]

Date of Birth of Proprietor/Partner/Director, if available

Yes

32]

PAN of Proprietor/Partner/Director, if available

No

33]

Voter ID No of Proprietor/Partner/Director, if available

No

34]

External Agency Rating, if available

No

 

 

ABOUT THE BUSINESS OF THE COMPANY

 

The Company has been awarded a 7-year contract by ONGC for providing 01 No. FPSO to ONGC on charter hire. As per the terms of the contract, the company has furnished the Bank Guarantee to ONGC for guaranteeing Performance. 50% of the mobilisation charges as mentioned in the contract i.e USD 40,15,316.5 (including service tax @ the rate of 12.36%) are booked on sail away of the FPSO vessel. Balance 50% of the mobilisation charges will be booked on acceptance of the FPSO Vessel. The company has subcontracted with the owner of the vessel Armada D1 Pte. Limited.

 

 

OPERATIONS:

 

The Company has mobilised and deployed the FPSO Armada Sterling facility along with crew in D1 field of ONGC against the 7 year Charter Hire and O&M contract. The FPSO was at D1 location on 27th Jan 2013. After completion of subsea installation and pre-startup activities, safe startup of FPSO was accomplished and received 1st Oil from ONGC wells on 07th April 2013.

 

As per conditions of the contract with ONGC, 72 Hrs test run was completed and final acceptance received from ONGC with effect from 22nd April, 2013. We are producing and storing the oil in FPSO crude storage tanks. 1st crude offloading to the ONGC designated buyer has been accomplished on 14th May 2013.

 

 

UNSECURED LOAN

(Rs. In Millions)

Particular

As on

31.03.2013

As on

31.03.2012

Short-term borrowings

 

 

Intercorporate deposits

57.794

13.000

Total

57.794

13.000

 

 

 

 

 

 

 

INDEX OF CHARGES

 

S.No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

 

Charge Holder

Address

Service Request Number (SRN)

1

10397300

09/04/2013 *

15,032,840,000.00

SBICAP TRUSTEE COMPANY LIMITED

202, MAKER TOWER, 'E', CUFFE PARADE, COLABA, MUMBAI, MAHARASHTRA - 400005, INDIA

B74432162

 

* Date of charge modification

 

 

FIXED ASSETS

 

·         Office equipment

·         Computer equipment

 

                        

AS PER WEBSITE

 

PRESS RELEASE

 

BUMI ARMADA COMPLETES 1ST FPSO TO INDIA, SEEKS MORE PROJECTS

 

Sat Oct 27, 2012 

 

SINGAPORE, Oct 27 (Reuters) - Bumi Armada Bhd, a Malaysia-based international offshore oil field services provider, said on Saturday it has completed a floating production storage and offloading unit (FPSO) for deployment in India and is seeking more projects.

 

FPSO Armada Sterling, costing more than $360 million, is the company's first FPSO in India and will start producing oil in December.

 

The FPSO is chartered by Oil and Natural Gas Corp as the state-owned Indian explorer aims to drill for more oil from marginal fields. Bumi Armada is also in the running for a second FPSO project at ONGC's cluster 7 field, Hassan Basma, CEO of Bumi Armada told reporters.

 

"The cluster 7 will be announced this quarter and we're eagerly awaiting the outcome," he said.

 

"The market for FPSOs in India is huge," Basma said, as the country steps up exploration in deepwater, shallow and marginal offshore fields to feed strong local demand.

 

Bumi Armada's joint venture company, Forbes Bumi Armada Offshore Ltd, signed in August last year a 7-year fixed term time charter with ONGC for about $620 million, and the Indian explorer has the option to extend the charter for another six years.

 

Armada Sterling, Bumi Armada's fifth FPSO, will depart next month for the D1 field, 200 km (124 miles) off the coast of Mumbai.

 

The former 107,000 deadweight tonne tanker Monte Umbe has a production capacity of 50,000 barrels per day (bpd) and is able to store 750,000 barrels of liquids.

 

This year has been challenging for FPSO owners, with just five contracts awarded, while the number of active firms in the sector has dwindled to about 6-7, down from 24 eight years ago, Basma said.

 

The euro zone debt crisis has made it difficult to obtain financing for projects while oil and gas producers have held back in response to an uncertain oil demand outlook, he added.

 

The International Energy Agency expects oil prices to gradually ease over the next five years as a result of sluggish economic growth, rising energy efficiency, and as production increases steeply in Iraq and North America. Goldman Sachs forecast Brent to average at $110 a barrel in 2013 on more supply.

 

"We're looking at $70 and above for sustainable development. We're in a comfort zone," Basma said, adding that he expects FPSO demand to rebound next year as about 150 projects are in the pipeline.

 

           

BASIS POINT-FORBES BUMI ARMADA TAKE-OUT OVERSUBSCRIBED

Wed, Oct 17 13:10 PM IST

 

HONG KONG, Oct 17 (Basis Point) - The US$276m seven-year loan for Forbes Bumi Armada Offshore Ltd has been oversubscribed, receiving more than US$300m in commitments from seven Indian banks, according to sources.

 

The seven include the four on the US$175m nine-month bridge that the loan takes out -- Bank of Baroda, Bank of India, Indian Bank and Indian Overseas Bank.

 

The final group may include five to seven banks, one source said. Signing is expected within the next few weeks. The facility's original target size was US$280m but it has been revised to US$276m by the borrower.

 

SBI Capital Markets is the arranger on the financing, which is for the construction of a floating production, storage and offloading (FPSO) vessel.

 

The borrower is Singapore-incorporated Armada D1 Pte Ltd, a joint venture between India's Shapoorji Pallonji and Company, Malaysia's Bumi Armada Bhd and Mauritian company Clean Environment Investments Company Limited.

 

The company will lease the FPSO to Forbes Bumi Armada Offshore, a JV between Bumi Armada and India's Forbes and Company Limited

 

Forbes and Company is listed on the Bombay Stock Exchange and has businesses in engineering, shipping and logistics, and transaction management solutions.

 

 


CMT REPORT (Corruption, Money Laundering & Terrorism]

 

The Public Notice information has been collected from various sources including but not limited to: The Courts, India Prisons Service, Interpol, etc.

 

1]         INFORMATION ON DESIGNATED PARTY

No exist designating subject or any of its beneficial owners, controlling shareholders or senior officers as terrorist or terrorist organization or whom notice had been received that all financial transactions involving their assets have been blocked or convicted, found guilty or against whom a judgement or order had been entered in a proceedings for violating money-laundering, anti-corruption or bribery or international economic or anti-terrorism sanction laws or whose assets were seized, blocked, frozen or ordered forfeited for violation of money laundering or international anti-terrorism laws.

 

2]         Court Declaration :

No exist to suggest that subject is or was the subject of any formal or informal allegations, prosecutions or other official proceeding for making any prohibited payments or other improper payments to government officials for engaging in prohibited transactions or with designated parties.

 

3]         Asset Declaration :

No records exist to suggest that the property or assets of the subject are derived from criminal conduct or a prohibited transaction.

 

4]         Record on Financial Crime :

            Charges or conviction registered against subject:                                                              None

 

5]         Records on Violation of Anti-Corruption Laws :

            Charges or investigation registered against subject:                                                          None

 

6]         Records on Int’l Anti-Money Laundering Laws/Standards :

            Charges or investigation registered against subject:                                                          None

 

7]         Criminal Records

No available information exist that suggest that subject or any of its principals have been formally charged or convicted by a competent governmental authority for any financial crime or under any formal investigation by a competent government authority for any violation of anti-corruption laws or international anti-money laundering laws or standard.

 

8]         Affiliation with Government :

No record exists to suggest that any director or indirect owners, controlling shareholders, director, officer or employee of the company is a government official or a family member or close business associate of a Government official.

 

9]         Compensation Package :

Our market survey revealed that the amount of compensation sought by the subject is fair and reasonable and comparable to compensation paid to others for similar services.

 

10]        Press Report :

            No press reports / filings exists on the subject.

 


 

CORPORATE GOVERNANCE

 

MIRA INFORM as part of its Due Diligence do provide comments on Corporate Governance to identify management and governance. These factors often have been predictive and in some cases have created vulnerabilities to credit deterioration.

 

Our Governance Assessment focuses principally on the interactions between a company’s management, its Board of Directors, Shareholders and other financial stakeholders.

 

 

CONTRAVENTION

 

Subject is not known to have contravened any existing local laws, regulations or policies that prohibit, restrict or otherwise affect the terms and conditions that could be included in the agreement with the subject.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

        Rs.61.63       

UK Pound

1

Rs.101.25

Euro

1

Rs.83.42

 

 

INFORMATION DETAILS

 

Information Gathered by :

SVA

 

 

Report Prepared by :

NTH

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

6

PAID-UP CAPITAL

1~10

6

OPERATING SCALE

1~10

6

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

6

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

5

--LEVERAGE

1~10

5

--RESERVES

1~10

3

--CREDIT LINES

1~10

5

--MARGINS

-5~5

--

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

YES

--LITIGATION

YES/NO

NO

--OTHER ADVERSE INFORMATION

YES/NO

NO

MERIT POINTS

 

 

--SOLE DISTRIBUTORSHIP

YES/NO

NO

--EXPORT ACTIVITIES

YES/NO

NO

--AFFILIATION

YES/NO

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

DEFAULTER

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

TOTAL

 

44

 

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%)

 


 

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

 

--

 

 

 

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.