MIRA INFORM REPORT

 

 

Report Date :

03.07.2014

 

IDENTIFICATION DETAILS

 

Name :

JINTEX CORPORATION LTD.

 

 

Registered Office :

12F, No.126, Sec.4,Nanking East Road, Taipei 105

 

 

Country :

Taiwan

 

 

Date of Incorporation :

28.12.1978

 

 

Com. Reg. No.:

12207266

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

·         engaged in manufacturing specialty chemicals bearing the brand name own brand LaFanta® & its products are applied to textile and leather dyeing and finishing as well as paper making and electronic industry

·         Engaged in manufacturing and sales of all kinds of interfacial agents, emulgators (besides toxic products)

·         Engaged in manufacturing and sales of all kinds of industrial specialty chemicals, auxiliaries and related materials

 

 

No of Employees :

About 150 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 :

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 – March 31, 2014

 

Country Name

Previous Rating

(31.12.2013)

Current Rating

(31.03.2014)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderate Low Risk

 

B1

Moderate Risk

 

B2

Moderate High Risk

 

C1

 


 

Taiwan ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are other major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, and following the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010, Taiwan in July 2013 signed a free trade deal with New Zealand—Taipei’s first-ever with a country with which it does not maintain diplomatic relations—and in November inked a trade pact with Singapore. Negotiations continue on follow-on components of ECFA regarding trade in goods and a dispute resolution mechanism; a trade in services agreement is under review in the legislature. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 11.2% of the island's total population as of 2012. The island runs a large overall trade surplus largely because of its surplus with China, and its foreign reserves are the world's sixth largest, behind China, Japan, Saudi Arabia, Russia, and Switzerland. In 2006 China overtook the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Taiwan since 2009 has gradually loosened rules governing Chinese investment on the island, and has also secured greater market access for its investors in the mainland. In August 2012, Taiwan Central Bank signed a memorandum of understanding on cross-Strait currency settlement with its Chinese counterpart. The MOU allows for the direct settlement of Chinese RMB and the New Taiwan dollar across the Strait, which could help develop Taiwan into a local RMB hub. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

 

Source : CIA

 


Contact Points

 

Company Name:

Jintex Corporation Ltd.

Supplied Name:

JINTEX CORPORATION LTD

Trading Address:

12F, No.126, Sec.4,Nanking East Road, Taipei 105, Taiwan, R.O.C.

Supplied Address:

12 F., NO. 126, NANKING E RD. SEC. 4 TAIPEI 105 TAIWAN

Telephone Number:

+886-2-2578-8999

Fax Number:

+886-2-2579-8008

E-mail:

jintex@jintex.com.tw

 

Notes: The exact name and address are as above.

 

 

Credit Summary

 

Credit Opinion:

Business connections are permissible.

 

 

 

Company Identification Details

 

Registered Name:

Jintex Corporation Ltd.

Registered Address:

12F, No.126, Sec.4,Nanking East Road, Taipei 105, Taiwan, R.O.C.

Date of Foundation:

1978-12-28

Registration Number:

12207266

Registry:

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

Registered Capital:

NTD 800,000,000 (USD 27,200,000)

(As of 2014.07, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 705,285,820 (USD 23,979,718 )

Legal Representatives:

Caijin Zhuang

Legal Form:

Joint Stock Company

Principal Activities:

Manufacture and sales of chemicals

Staff:

About 150 Employees

Listed at Stock Exchange:

Yes; Stock Code: 1718

Date of Last Annual Return:

2014-6-24

 

 

History

 

Subject was incorporated on 1978-12-28 with registered number 12207266 as Joint Stock Company in Taiwan.

 

Change of Name

Former Chinese Name

福盈股份有限公司

Current Chinese Name

福盈科技化學股份有限公司

 

Subject listed on Taiwan Over-The-Counter Securities Exchange on 2005-4-22.

 

 

Shareholders

 

Name

Subscription Shares

Jing Gang Investment Co., Ltd. (Literal Translation)

7,431,364

Congzhe Weng

1,071,899

Yiting Lai

133,949

Wenxiong Zheng

1,411,759

Rongyuan Gu

471,473

Qingzhi Huang

350,883

Binghuang Yan

314,314

 

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

 

Shareholder Information:

Registered Name:

Jing Gang Investment Co., Ltd. (Literal Translation)

Registered Address:

12/F., No.126, Sec 4, Nanjing East Road, Songshan District, Taipei City, Taiwan

Date of Foundation:

1995-10-9

Registration Number:

89614282

Registry:

Taipei City Government

Registered Capital:

NTD 51,000,000 (USD 1,734,000)

(As of 2014.07, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 51,000,000 (USD 1,734,000)

Legal Representatives:

Caijin Zhuang

Legal Form:

Joint Stock Company

Listed at Stock Exchange:

No

Date of Last Annual Return:

2012-11-19

 

 

Subsidiaries & Branches

 

Factory

Name:

Dayuan Factory

Address:

No.10, 9-1, 7, Minquan Road, Neihai Village, Dayuan Township, Taoyuan County, Taiwan

Date of Foundation:

1987-3-23

Date of Registration:

1989-3-8

Factory Registration Number:

99622487

Factory Manager:

Zhihe Li

Status:

In Production

Date of Last Annual Return:

2009-4-15

Major Products:

199 other chemical products

192 coating, dye, pigment

Major Related Companies

1

Name:

Foshan Fubao Fine Additives Co., Ltd (Literal Translation)

Address:

Road 3, Tancun Industrial Development Area, Fochen Road, Chencun Township, Shunde District, Foshan City, Guangdong Province, China

Tel:

+86-757-2331-3358

Fax:

+86-757-2331-3359

2

Name:

Suzhou Fubin Xinke Chemical Co., Ltd

Address:

No. 18, Dongzhou Road, Yanjiang Industrial Area, Changshu City, Jiangsu Province, China

Tel:

+86-512-5227-1789

Fax:

+86-512-5227-1759

3

Name:

PT. Jindo Industry

Address:

Jl. Akasia II Kav.A 7-3 Delta Silicone Industrial Park.Lippo Cikarang, Bekasi 17550, Indonesia

Tel:

+62-21-8972-2121

Fax:

+62-21-8990-8826

4

Name:

GH Bangkok Co., Ltd.

Address:

34/6, 9F, Top View Tower, Soi Sukhumvit 59Rd., Klongton, Wattana, Bangkok 10110, Thailand

Tel:

+662-714-2490

Fax:

+662-714-2490

5

Name:

Jintex India Co., Pvt., Ltd.

Address:

1/F., New No.17, Waddels Road, Kilpauk, Chennai-600010, Tamilnadu, India

Tel:

+91-44-4260-2628/2618

Fax:

+91-44-4260-2608

6

Name:

Jindo Chemical Solutions Pvt., Ltd.

Address:

Pragathi Mahalakshmi,4th Floor #62,1 Main, III Cross, II Stage Yeshwanthpur Industrial Suburb Bangalore-560022 Karnataka State, India

7

Name:

Jintex Vietnam Company Limited

Address:

Tang 3, So 23B Duong So 3, Khu Pho 2, Phuong Binh An, Quan 2 , TP. HCM, Vietnam

Tel:

+84-862960854

Fax:

+84-862960227

 

Personnel Information

 

Core Management

Directors

1

Name

Caijin Zhuang

Position

Board Chairman & Manager

Date of Appointment

2012-7-3

2

Name

Congzhe Weng

Position

Deputy Chairman

3

Name

Yiting Lai

Position

Director

4

Name

Wenxiong Zheng

Position

Director

5

Name

Weigong Qi

Position

Independent Director

6

Name

Yuzhong Xie

Position

Independent Director

7

Name

Rongyuan Gu

Position

Director

8

Name

Changbang Zhang

Position

Supervisor

9

Name

Qingzhi Huang

Position

Supervisor

10

Name

Binghuang Yan

Position

Supervisor

 

Personnel Structure

Total Employees

About 150 Employees

 

 

 

Operation Information

 

Offices & Factories

 

Headquarters

Add

12F, No.126, Sec.4,Nanking East Road, Taipei 105, Taiwan, R.O.C.

 

Production Information

l  Subject is engaged in manufacture of specialty chemicals

l  It is introduced that subject’s group has research and development center, production bases and service points in mainland China, Taiwan, India and Indonesia.

l  Subject obtained the certifications of ISO 9001 and ISO 14001.

 


Purchase Information

l  The registered activities of subject:

Business Code

Details

--

Manufacturing and sales of all kinds of interfacial agents, emulgators (besides toxic products)

--

Manufacturing and sales of all kinds of industrial specialty chemicals, auxiliaries and related materials

C802120

Manufacture of industrial additives

C802990

Manufacturing of miscellaneous chemical products (abluent, photoresist, etchant, developer)

F107990

Wholesales of other chemical products (abluent, photoresist, etchant, developer)

F108040

Wholesale of cosmetic

F102160

Wholesale of accessary food

ZZ99999

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

 

l  Subject purchases raw materials both at home and abroad.

l  It is introduced that subject has contracted with French chemical company PROTEX and Canadian Company WEST-PENETONE to import the technology.

l  It is introduced that subject is the agent of Sommer S.p.A. in Italy for selling leather finishing agents and Teflon® leather protective agent.

 

Sales Information

l  The subject is mainly engaged in sales of specialty chemicals

l  Subject’s products are applied to textile and leather dyeing and finishing as well as paper making and electronic industry

l  It is introduced that subject has its own brand LaFanta®.

l  Subject’s products are both sold in domestic and overseas market and subject exports to India, other Asian countries and Europe, etc.


 

Major products

1

Textile Specialty Chemicals

2

Leather Specialty Chemicals

3

Electronic Specialty Chemicals

4

Innovation Specialty Chemicals

 

Import and export right:

Import right

Yes

Export right

Yes

 

 

Settlements

 

Purchase

Domestic Purchase

Product

Terms

Proportion

Raw materials, etc

T/T, Cash, etc

100%

 

Foreign Purchase

Product

Terms

Proportion

Raw materials and additives, etc

T/T, etc

100%

 

Sales

Domestic Markets

Product

Terms

Proportion

Chemicals, etc

T/T, Cash, etc

100%

 

Export

Product

Terms

Proportion

Chemicals, etc

L/C, T/T, etc

100%

 

Balance Sheet

 

Unit: NTD/000

 

2012-12-31

2011-12-31

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

158,989.00

192,402.00

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

10,176.00

9,658.00

Notes receivable - net

50,328.00

55,165.00

Accounts receivable - net

110,624.00

106,319.00

Accounts receivable - related parties - net

26,848.00

14,051.00

Other receivables - related parties

14,816.00

0.00

Inventories

129,179.00

106,780.00

Prepayment

12,012.00

24,035.00

Other current assets

11,141.00

9,134.00

Current assets

524,113.00

517,544.00

Funds and Investments

 

 

Financial assets carried at cost - non current

277.00

0.00

Long-term equity investment under equity method

395,277.00

401,803.00

Investments

395,277.00

401,803.00

Funds and investments

395,554.00

401,803.00

Fixed Assets

 

 

Cost

 

 

Land

99,485.00

99,485.00

Building and structure

186,563.00

184,452.00

Machinery and equipment

136,020.00

130,600.00

Transportation equipment

16,758.00

16,618.00

Other equipment

78,417.00

81,446.00

Revaluation

82,568.00

82,568.00

Cost and revaluation

599,811.00

595,169.00

Accumulated depreciation

-193,150.00

-176,278.00

Construction in process and prepayment for equipments

6,619.00

425.00

Fixed assets

413,280.00

419,316.00

Intangible Assets

 

 

Trademarks

354.00

385.00

Other intangible assets

240.00

0.00

Intangible assets

594.00

385.00

Other Assets

 

 

Guarantee deposits paid

1,105.00

1,567.00

Deferred charges

3,145.00

5,330.00

Other assets - other

7,236.00

6,441.00

Other assets

11,486.00

13,338.00

Assets

1,345,027.00

1,352,386.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowing

2,963.00

36,484.00

Changes in the fair value of the financial liability on profit and loss - flow

0.00

144.00

Notes payable

21,804.00

28,284.00

Accounts payable

54,723.00

53,102.00

Accounts payable - related parties

1,561.00

156.00

Income tax payable

3,798.00

229.00

Accrued expenses

32,441.00

34,137.00

Other payables

2,708.00

2,178.00

Long-term liabilities -current portion

21,900.00

63,155.00

Other current liabilities

8,476.00

3,012.00

Current liabilities

150,374.00

220,881.00

Long-term Liabilities

 

 

Bonds payable

27,990.00

0.00

Long-term loan

75,350.00

47,250.00

Long-term liabilities

103,340.00

47,250.00

Reserves

 

 

Land value-added tax reserves

27,135.00

27,135.00

Reserves

27,135.00

27,135.00

Other Liabilities

 

 

Guarantee deposit received

1,156.00

0.00

Deferred income taxes

5,223.00

7,266.00

Other liabilities - other

4,539.00

4,612.00

Other liabilities

10,918.00

11,878.00

Liabilities

291,767.00

307,144.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

697,594.00

697,594.00

Capital Surplus

 

 

Capital surplus - share premium

124,910.00

121,963.00

Capital surplus - long-term investment

5,580.00

5,580.00

Capital surplus - subscription right

3,326.00

6,273.00

Capital surplus

133,816.00

133,816.00

Retained Earnings

 

 

Legal reserve

71,780.00

69,971.00

Unappropriated retained earnings

74,248.00

62,398.00

Retained earnings

146,028.00

132,369.00

Stockholders' Equity and Other adjustment

 

 

Cumulative translation adjustments

20,389.00

26,030.00

Unrealized revaluation

55,433.00

55,433.00

Stockholders' equity and other adjustment

75,822.00

81,463.00

Stockholders’ equity

1,053,260.00

(USD 35,810,840.00)

1,045,242.00

(USD 35,538,228.00)

(As of 2014.07, 1 NTD = 0.0340 USD)

 

Profit and Loss Account

 

Unit: NTD/000

 

2012

2011

Sales

734,370.00

(USD 24,968,580.00)

771,852.00

(USD 26,242,968.00)

Sales returns

3,130.00

1,701.00

Sales discount

4,421.00

6,234.00

Sales

726,819.00

763,917.00

Operating income

726,819.00

763,917.00

Cost of selling

509,133.00

576,077.00

Operating costs

509,133.00

576,077.00

Gross profit (loss) from operations

217,686.00

187,840.00

Unrealized gains on intercompany transactions

4,539.00

4,612.00

Realized gains on intercompany transactions

4,612.00

7,845.00

Selling expense

69,456.00

76,440.00

General and administrative expenses

44,316.00

47,394.00

Research and development expenses

57,501.00

70,438.00

Operating expenses

171,273.00

194,272.00

Operating income (loss)

46,486.00

-3,199.00

Non-Operating Income

 

 

Interest income

908.00

866.00

Investment income

0.00

8,612.00

Investment income under equity method

0.00

8,612.00

Gains on disposal of investments

612.00

0.00

Foreign exchange gains

0.00

2,846.00

Gain on valuation of financial asset

707.00

0.00

Gain on valuation of financial liabilities

130.00

0.00

Miscellaneous income

12,834.00

26,495.00

Non-operating revenues and gains

15,191.00

38,819.00

Non-Operating Expenses

 

 

Interest expense

3,677.00

3,288.00

Investment losses under equity method

526.00

0.00

Investment losses

526.00

0.00

Loss on disposal of investment

0.00

1,237.00

Foreign exchange losses

2,502.00

0.00

Loss on valuation of financial asset

0.00

342.00

Loss on valuation of financial liabilities

0.00

1,148.00

Miscellaneous disbursements

2,186.00

2,323.00

Non-operating expenses and losses

8,891.00

8,338.00

Income from continuing operations before income tax

52,786.00

27,282.00

Income tax expense (benefit)

8,572.00

9,194.00

Income from continuing operations

44,214.00

18,088.00

Net income (loss)

44,214.00

(USD 1,503,276.00)

18,088.00

(USD 614,992.00)

Primary Earnings per Share

0.63

0.26

Primary earnings per share

0.63

0.26

Diluted Earnings Per Share

0.63

0.26

Diluted earnings per share

0.63

0.26

(As of 2014.07, 1 NTD = 0.0340 USD)

 

Cash Flows

 

Unit: NTD/000

 

2012

2011

Cash Flows from Operating Activities - Indirect Method

 

 

Net Income (Loss)

44,214.00

18,088.00

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

 

 

Depreciation Expense

27,029.00

26,909.00

Amortization Expense

2,338.00

9,889.00

Provision (Reversal of Provision) for Bad Debts Losses

1,516.00

615.00

Amortization of Discount (Premiums) on Bonds Payable

858.00

1,554.00

The Difference Between the Net Pension Cost and Contribution

-795.00

-754.00

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

759.00

-1,768.00

Loss (Gain) on Inventories

300.00

395.00

Investment Loss (Income) Recognized under Equity Method

526.00

-8,612.00

Cash Dividends Receivables from Invested Companies under Equity Method

5,089.00

0.00

Loss (Gain) on Disposal of Property, Plant and Equipment

-184.00

0.00

Unrealized Revaluation Loss (Gain) on Financial Assets and Liabilities

-837.00

1,490.00

Unrealized Gains or Loss on Intercompany Transactions

-73.00

-3,233.00

Loss (Gain) on Repurchase Bonds Payable

2,175.00

0.00

Loss (Gain) on Deferred Income Tax

2,807.00

6,246.00

Changes in Operating Assets and Liabilities

 

 

Decrease (Increase) in Trading Financial Assets

0.00

-10,000.00

Decrease (Increase) in Notes Receivable

4,450.00

1,078.00

Decrease (Increase) in Accounts Receivable

-5,434.00

45,141.00

Decrease (Increase) in Accounts Receivable - Related Parties

-12,797.00

-657.00

Decrease (Increase) in Other Receivables - Related Parties

-91.00

9.00

Decrease (Increase) in Inventories

-23,458.00

39,407.00

Decrease (Increase) in Prepayment

12,023.00

-12,143.00

Decrease (Increase) in Other Current Assets

511.00

-610.00

Increase (Decrease) in Notes Payable

-6,480.00

1,689.00

Increase (Decrease) in Accounts Payable

1,621.00

-7,152.00

Increase (Decrease) in Accounts Payable - Related Parties

1,405.00

156.00

Increase (Decrease) in Income Tax Payable

3,569.00

-7,625.00

Increase (Decrease) in Accrued Expenses

-1,696.00

-17,274.00

Increase (Decrease) in Other Liabilities

5,464.00

374.00

Net Cash Provided by (Used in) Operating Activities

64,809.00

83,212.00

Cash Flows from Investing Activities

 

 

Increase in Long-term Investment under Equity Method

-5,886.00

-23,985.00

Purchase of Property, Plant and Equipment

-20,781.00

-37,114.00

Proceeds from Disposal of Property, Plant and Equipment

502.00

0.00

Decrease (Increase) in Guaranteed Deposits Paid

462.00

-35.00

Increase in Deferred Charges

0.00

-2,577.00

Decrease (Increase) in Other Receivables – Related Parties

-14,725.00

0.00

Decrease (Increase) in Restricted Assets

-6,212.00

2,789.00

Purchase of Intangible Assets

-362.00

0.00

Net Cash Provided by (Used in) Investing Activities

-47,002.00

-60,922.00

Cash Flows from Financing Activities

 

 

Increase (Decrease) in Short-term Borrowings

-33,521.00

-1,778.00

Repaying of Bonds

-26,400.00

0.00

Borrowing of Long-Term Loan

50,000.00

0.00

Repaying of Long-Term Loan

-11,900.00

-16,900.00

Increase (Decrease) in Guarantee Deposit Received

1,156.00

0.00

Issued Cash Dividend

-30,555.00

-48,000.00

Net Cash Provided by (Used in) Financing Activities

-51,220.00

-66,678.00

Net Increase (Decrease) in Cash and Cash Equivalents

-33,413.00

-44,388.00

Cash and Cash Equivalents, Beginning of year

192,402.00

236,790.00

Cash and Cash Equivalents, End of year

158,989.00

192,402.00

Supplemental Cash Flow Information

 

 

Interest Paid- Excluding Capitalized Interest

2,867.00

1,796.00

Income Tax Paid

2,217.00

10,573.00

Non-Cash Investing and Financing Activities

 

 

Current Portion of Long-term Liabilities

21,900.00

11,900.00

Transferred Bonds to Common Stock

0.00

802.00

Investing Activities Affecting Both Cash and Non-cash Items

 

 

Cash Paid for Acquisition of Property, Plant and Equipment

 

 

Increase in Property, Plant and Equipment

21,311.00

38,436.00

Increase (Decrease) in Payable for Equipment Purchased

-530.00

-1,322.00

Cash Paid for Purchase of Property, Plant and Equipment

20,781.00

37,114.00

 

Bankers

 

Subject declined to disclose any information about bankers, and we can not obtain the information from other source.

 

Public Record

 

Mortgage

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

 

Lawsuit

1

Trial Number:

2009,Jiaosheng,2476

Date of Trial:

2009-9-17

Reason:

The Statement of objections about violation of traffic regulations

Remonstrator:

Jintex Corporation Ltd.

2

Trial Number:

2010,chonglaosu,64

Date of Trial:

2011-5-31

Reason:

Debt non-performance damages

Claimant:

Jintex Corporation Ltd.

Defendant:

Renren Qiu

 

 

Interview Details

 

Name

Ms. Zhang

Department

Sales Department

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.97

UK Pound

1

Rs.102.89

Euro

1

Rs.82.02

 

 

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

Report Prepared by :

MNL

 

 

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

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NB

                                       New Business

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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.