MIRA INFORM REPORT

 

 

Report Date :

29.07.2014

 

IDENTIFICATION DETAILS

 

Name :

KCC CORPORATION

 

 

Registered Office :

344, Sapyeong-daero, Seocho-gu, Seoul, Korea

 

 

Country :

South Korea

 

 

Financials (as on) :

31.03.2014

 

 

Date of Incorporation :

12.08.1958

 

 

Legal Form :

Listed Company

 

 

Line of Business :

Manufacture of General Paints and Similar Products.

 

 

No. of Employees :

4816

 

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 – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

South Korea

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SOUTH KOREA - ECONOMIC OVERVIEW

 

South Korea over the past four decades has demonstrated incredible growth and global integration to become a high-tech industrialized economy. In the 1960s, GDP per capita was comparable with levels in the poorer countries of Africa and Asia. In 2004, South Korea joined the trillion-dollar club of world economies, and is currently the world's 12th largest economy. Initially, a system of close government and business ties, including directed credit and import restrictions, made this success possible. The government promoted the import of raw materials and technology at the expense of consumer goods, and encouraged savings and investment over consumption. The Asian financial crisis of 1997-98 exposed longstanding weaknesses in South Korea's development model including high debt/equity ratios and massive short-term foreign borrowing. GDP plunged by 6.9% in 1998, and then recovered by 9% in 1999-2000. South Korea adopted numerous economic reforms following the crisis, including greater openness to foreign investment and imports. Growth moderated to about 4% annually between 2003 and 2007. South Korea's export focused economy was hit hard by the 2008 global economic downturn, but quickly rebounded in subsequent years, reaching 6.3% growth in 2010. The US-Korea Free Trade Agreement was ratified by both governments in 2011 and went into effect in March 2012. Throughout 2012 and 2013 the economy experienced sluggish growth because of market slowdowns in the United States, China, and the Eurozone. The administration in 2014 is likely to face the challenge of balancing heavy reliance on exports with developing domestic-oriented sectors, such as services. The South Korean economy's long term challenges include a rapidly aging population, inflexible labor market, dominance of large conglomerates (chaebols), and heavy reliance on exports, which comprise about half of GDP.

 

Source : CIA

Basic

 

Company Name

KCC CORPORATION

(Korean Company Name : “()케이씨씨”)

Registered Address

344, Sapyeong-daero, Seocho-gu, Seoul, Korea

Building

 

Zip Code

137-855

Tel

+82-2-3480-5000

Fax

+82-2-3480-5424

E-mail

oicd@kccworld.co.kr

Website

 www.kccworld.co.kr

Trading Address

344, Sapyeong-daero, Seocho-gu, Seoul, Korea

(Old Address System : 1301-4, Seocho 4-dong, Seocho-gu, Seoul, Korea)

Tel

+82-2-3480-5711~4

Fax

+82-2-3480-5436

Other Address-Yeoju Factory

1-2, Bondu-ri, Ganam-myeon, Yeoju-gun, Gyeonggi-do, Korea

Tel

+82-31-880-3000

Fax

+82-31-882-5879

Other Address-Eonyang Factory

1030, Bansong-ri, Eonyang-eup, Ulju-gun, Ulsan, Korea

Tel

+82-52-255-5500

Fax

 

Other Address-Suwon Factory

296-3, Seodun-dong, Gwonseon-gu, Suwon-si, Gyeonggi-do, Korea

Tel

+82-31-299-2000

Fax

 

Other Address-Asan Factory

71, Seowon-ri, Yeomchi-eup, Asan-si, Chungcheongnam-do, Korea

Tel

+82-41-539-9000

Fax

 

Other Address-JeonjuFactory

820, Yongam-ri, Bongdong-eup, Wanju-gun, Jeollabuk-do, Korea

Tel

+82-63-260-8800

Fax

+82-63-262-5009

Other Address-Jeonju Factory

846, Yongam-ri, Bongdong-eup, Wanju-gun, Jeollabuk-do, Korea

Tel

+82-63-260-7000

Fax

+82-63-261-5508

Other Address-Jeonju III Factory

844, Yongam-ri, Bongdong-eup, Wanju-gun, Jeollabuk-do, Korea

Tel

+82-63-260-1700

Fax

 

Other Address-Yeocheon Factory

880, Nakpo-dong, Yeosu-si, Jeollanam-do, Korea

Tel

+82-61-680-7800

Fax

 

Other Address-Ulsan Factory

1234, Bangeo-dong, Dong-gu, Ulsan, Korea

Tel

+82-52-280-1717

Fax

 

Other Address-Munmak Factory

2239, Munmak-eup, Wonju-si, Gangwon-do, Korea

Tel

+82-33-749-4500

Fax

 

Other Address -Mokpo Branch

1115-6, Sang-dong, Mokpo-si, Jeollanam-do, Korea

Tel

+82-61-280-5900~1

Fax

+82-61-284-8950

Other Address-Jeonju Sales Office

339-1, Palbokdong 2-ga, Deokjin-gu, Jeonju-si, Jeollabuk-do, Korea

Tel

+82-63-211-5300

Fax

+82-63-211-5340

Type

Export/Import

Industry

Manufacture of General Paints and Similar Products

  Main Business

Glass, Paint, Windows And Doors, Mineral Wool, Gypsum Board, Paint

  Sub Business

Manufacture of Asbestos, Mineral Wools and Other Similar Products

Established (mm/dd/yyyy)

08/12/1958

 

The Subject owns the premises of registered HQ address, Yeoju Factory, Eonyang Factory, Suwon Factory, Jeonju Factory, Yeocheon Factory, Ulsan Factory and Munmak Factory.

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Float glass(30171708)

Sell

Thermal insulation sleeving(30141505)

Sell

Windows(30171600)

Sell

Pigment paints(31211503)

Sell

Facial tissues(14111701)

Sell

Pocket doors(30171508)

Sell

Glass products(30171700)

Sell

Epoxy(13111001)

Sell

Thermal insulation(30141500)

Sell

Restroom partitions(30181508)

Sell

Flooring(30161700)

Sell

Fiber straps(31151903)

Sell

Ceramic fibers(11151513)

Sell

Gypsum board(30161509)

Sell

Wall finishing materials(30161500)

Sell

Insulation batts(30141504)

Sell

Casement windows(30171606)

Sell

Resins(13111000)

Sell

Base Metals(11101700)

Sell

Fire resistant coatings or putties or sealants(46191503)

Sell

Panels or panelling(30161505)

Sell

Nonwoven fabrics(11162200)

Sell

Silicone foam(13111303)

Sell

Moisture repellent(15121801)

Sell

Ceiling materials(30161600)

Sell

Miscellaneous finishes(31211700)

Sell

Other adhesives and sealants(31201600)

 

 

CEO’s

 

Name

Chung Mong-Jin

Address

 

Date of Birth

08/05/1960

Title

Chairman & CEO

Sex

Male

Nationality

Korean

 

 

Profiles

 

Capital (KRW)

56,252,305,000

Employees

4,816

Formation

Listed Company (Korea Stock Exchange : 002380) as of 06/25/1973

Listed GDR at BdL-Market as of 04/22/2003

A Company of KCC GROUP

Bank Details

Kookmin Bank

Korea Exchange Bank

Shinhan Bank

Korea Development Bank-HQ

Corporate Registered No.

110111-0221814

Business Registered No.

214-81-70045

Permit & Licenses

02/11/1965 KS Mark

12/30/1975 KS Mark

12/15/1993 ISO 9001

02/23/1994 ISO 9002

04/24/1996 ISO 9001

 

Int’l Trade No.: 771889

Shareholder Position

Name

Shares

%

CHUNG MONG-JIN

1,868,418

17.76

CHUNG SANG-YOUNG

526,000

5.00

CHUNG MONG-IK

927,260

8.81

HYUNDAI SAMHO HEAVY INDUSTRIES CO., LTD.(205411-0003915)

803,000

7.63

CHUNG MONG-YEOL

556,180

5.29

NATIONAL PENSION SERVICE(110171-0007134)

751,576

7.14

TREASURY STOCK

723,065

6.87

OTHERS

4,364,501

41.49

TOTAL

10,520,000

100.00

Company History

08/12/1958 Incorporated as Keumkang Slate Industries Co., Ltd.

03/10/1976 Changed company name to Keumkang CO., Ltd.

06/01/1989 Transferred Construction Business Division to KUMKANG CONSTRUSTION CO., LTD.(194211-0042614)

12/10/1990 Transferred Glass Mine’s Operation Right to Korea Silica Ltd(115511-0000728)

05/1994 Moved to the present HQ address from 27-8, Jamwon-dong, Seocho-gu, Seoul, Korea

03/31/2000 Acquired Koryo Chemicals Co., Ltd.

04/01/2000 Changed company name to Keumkang Koryo Chemicals Co., Ltd.

03/20/2002 Transferred Automobile Safety Glass Operation to Korea Autoglass Corporation(164711-0007507)

10/31/2004 Acquired E-KCC CO., LTD.(110111-2124280)

02/25/2005 Changed company name to the present name

11/22/2010 Acquired ARCHE SOLAR CO., LTD.(135711-0062936)

09/30/2013 Acquired KAM COPORATION(161411-0019791)

 

 

 

 

Detailed Information

 

Management

 

Job Description

Title

Name

Nationality

Date of Birth

Education

Chairman & CEO

Mr.

Chung Mong-Jin

Korean

1960.08.05

Korea University, Korea

President & CEO

Mr.

Chung Mong-Ik

Korean

1962.01.28

George Washington University, USA

Vice President

Mr.

Kim Young-Ho

Korean

1950.08.

Seoul National University, Korea

Sr. Executive Director

Mr.

Kim Bum-Sung

Korean

1959.11.

Akron University, USA

Outside Director

Mr.

Kwon Oh-Seung

Korean

1950. 01.12

Seoul National University, Korea

Outside Director

Mr.

Song Tae-Nam

Korean

1944. 10.01

Seoul National University, Korea

Outside Director

Mr.

Jeon Young-Hwa

Korean

1946.10.

Dongkuk University, Korea

Outside Director / Auditor

Mr.

Jung Jong-Soon

Korean

1943.03.28

Seoul National University, Korea

Outside Director / Auditor

Mr.

Lee Jung-Dae

Korean

1943. 12.04

Hanyang University, Korea

Outside Director / Auditor

Mr.

Kim Jong-Jin

Korean

1947.02.

-

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

(*)03/2014

696,282,850,930

6,764,632,489,187

45,283,986,303

(*)2013

2,862,798,450,375

6,812,823,451,928

223,319,252,450

(*)2012

2,873,047,377,690

6,577,994,366,737

406,591,684,557

2011

3,016,124,005,608

7,088,110,719,977

291,706,686,123

2010

2,830,515,058,543

8,294,393,169,082

326,642,610,793

2009

2,680,096,605,306

7,007,263,565,724

360,848,350,064

2008

2,488,127,752,432

5,547,416,466,797

187,262,119,768

2007

2,097,580,325,377

7,218,327,908,390

203,072,325,474

2006

1,908,683,775,463

 3,940,837,207,042

196,042,547,864

2005

1,869,809,191,486

3,397,617,645,077

178,059,825,624

2004

1,862,799,634,019

2,895,839,061,365

130,630,108,880

(*)Figures are based on the K-IFRS Accounting System.

 

 

Financial Description

 

Authorized Capital(KRW)

120,000,000,000

Paid-Up Capital(KRW)

56,252,305,000

Total Issues Shares

10,520,000

 

BALANCE SHEET

Unit : Korean Won

01/01/2014~03/31/2014

As of 12/31/2013

As of 12/31/2012

Total Assets

6,764,632,489,187

6,812,823,451,928

6,577,994,366,737

Current Assets

1,502,285,857,180

1,493,701,867,829

1,204,088,628,957

Cash & Cash Equivalents

404,879,362,201

423,955,786,985

137,135,446,107

National Subsidies

-399,206,892

-512,170,640

-2,010,302,744

Trade Receivables

618,881,499,433

624,608,730,185

605,071,675,131

Other Receivables

40,707,325,608

27,745,774,124

28,539,504,448

Advance Payments

15,463,987,309

11,544,552,710

13,509,485,785

Prepaid Expenses

2,184,436,762

2,240,371,777

1,751,445,263

Current Portion of Derivatives

9,432,524,649

9,940,226,782

3,125,848,942

Current Portion of Marketable Financial Instruments

131,202,665

119,350,000

216,400,000

Inventories

411,004,725,445

394,059,245,906

416,749,126,025

Non-Current Assets

5,262,346,632,007

5,319,121,584,099

5,373,905,737,780

Long-Term Trade Receivables

9,884,368,518

9,468,189,490

12,177,353,335

Other Receivables

6,847,266,454

6,965,877,768

4,649,942,544

Marketable Financial Instruments

1,800,301,087,360

1,848,275,756,135

1,922,977,166,545

Held-to-Maturity Financial Assets

2,985,205,627

3,001,541,496

3,072,201,025

Investment_Related Companies

270,175,360,811

270,175,360,811

295,556,481,978

Investment_Subsidiaries

492,338,302,096

492,338,302,096

496,467,228,244

Non-Current Portion of Derivatives

10,333,200,086

16,680,963,240

7,512,116,351

Tangibles

2,425,508,617,109

2,451,278,629,266

2,522,316,094,535

Intangibles

9,868,402,559

9,992,549,668

10,379,613,142

Investment_Real Estates

234,104,821,387

210,944,414,129

98,797,540,081

Total Liabilities

1,864,293,677,266

1,822,741,200,088

1,709,003,173,847

Current Liabilities

600,145,687,754

537,867,899,236

1,145,268,777,259

Trade Payables

199,130,762,571

183,881,030,801

151,652,104,745

Short-Term Borrowings

147,097,477,228

140,745,079,077

658,646,315,220

Other Liabilities

225,354,975,263

196,378,240,881

196,275,630,495

Current Portion of Derivatives

852,645,888

3,428,289,792

40,023,293,497

Accrued Income Tax

27,709,826,804

13,435,258,685

98,671,433,302

Non-Current Liabilities

1,264,147,989,512

1,284,873,300,852

563,734,396,588

Long-Term Borrowings

803,717,501,280

798,621,876,303

129,532,475,095

Other Liabilities

32,803,354,287

33,010,402,287

32,404,638,000

Non-Current Portion of Derivatives

20,803,646,269

24,850,290,316

2,541,174,039

Confirmed Salaries

30,457,687,216

25,294,082,685

43,499,497,064

Provisions

4,697,013,853

5,041,389,653

4,254,570,740

Deferred Income Tax Credit

371,668,786,607

398,055,259,608

351,502,041,650

Capital Stock

56,252,305,000

56,252,305,000

56,252,305,000

Capital Surplus

498,938,525,247

498,938,525,247

495,304,330,442

Capital Adjustment

-122,873,033,196

-122,873,033,196

-122,873,033,196

Others

602,709,489,754

669,158,370,976

705,100,949,035

Profit Surplus

3,865,311,525,116

3,888,606,083,813

3,735,206,641,609

Total Equity

4,900,338,811,921

4,990,082,251,840

4,868,991,192,890

Liab. & Shareholder’s Equity

6,764,632,489,187

6,812,823,451,928

6,577,994,366,737

 

INCOME STATEMENT

Unit : Korean Won

01/01/2014~03/31/2014

As of 12/31/2013

As of 12/31/2012

Sales

696,282,850,930

2,862,798,450,375

2,873,047,377,690

Cost of Sold Goods

544,380,231,380

2,267,216,691,622

2,301,304,346,924

Gross Profit

151,902,619,550

595,581,758,753

571,743,030,766

Selling & Admin. Expenses

100,811,236,038

418,510,692,558

423,492,681,806

Operating Income

51,091,383,512

177,071,066,195

148,250,348,960

Net Finance Profits

8,118,367,138

150,746,642,720

789,583,101,830

Finance Income

29,539,676,466

305,467,447,901

861,319,433,752

Finance Expenses

-21,421,309,328

-154,720,805,181

-71,736,331,922

Other Non-Operating Profits

-833,283,090

-22,945,560,473

-367,696,234,468

Other Non-Operating Income

8,163,703,387

35,820,561,166

40,742,626,207

Other Non-Operating Expenses

-8,996,986,477

-58,766,121,639

-408,438,860,675

Income Before Taxes

58,376,467,560

304,872,148,442

570,137,216,322

Income Taxes Expenses

13,092,481,257

81,552,895,992

163,545,531,765

Net Income

45,283,986,303

223,319,252,450

406,591,684,557

 

CASH FLOWS

Unit : Korean Won

As of 12/31/2013

As of 12/31/2012

As of 12/31/2011

Operating Activities Cash Flows

46,584,094,220

227,022,517,568

62,551,003,649

Net Income

45,283,986,303

223,319,252,450

406,591,684,557

Adjustment

49,409,516,039

129,339,116,401

-127,307,185,385

Changes in Asset/ & Liability

-44,119,572,451

11,116,457,657

-555,370,354

Income Taxes

-3,989,835,671

-136,752,308,940

-216,178,125,169

Cash Flows from Investing

-63,694,929,214

114,808,441,286

-566,388,145,515

Cash Flows from Financing

-2,088,209,331

-51,025,402,831

-108,866,147,755

Increase/Decrease in Cash

-19,199,044,325

290,805,556,023

-612,703,289,621

Cash at the Beginning of Year

423,955,786,985

137,135,446,107

750,636,370,587

Cash at the End of Year

404,879,362,201

423,955,786,985

137,135,446,107

 

 

Products, Technologies, Services Description

 

Main Products & Services

Interior, Ceiling, Roofing

Insulation Materials

PVC Window & Flooring

Architecture Float Glass

Automotive Laminated Glass

Paint

Others

-Glass Fiber

-Alumina Metalizing

-Epoxy Mold Compound

 

Brand Name : KCC, ED-1700, EH2350

Detailed Products Spec.

 

Technologies Acquired

 

 

 


Trade Partners & Competitors

 

Suppliers

SAMDUCK STEEL PIPE CO., LTD.(111511-0012917)

ONE JUNG CAN MANUFACTURING CO., LTD.(110111-0139207)

HYUNDAI CEMENT CO., LTD. (110111-0111867)

HYUNDAI OIL REFINERY CO., LTD.(110111-0090558)

E.I. DUPONT

AGC

Customers

SOLAR POWER INDUSTRIES, INC.(USA)

SEMI MATERIALS,CO.,LTD.(161511-0036628)

Competitors

HANKUK GLASS INDUSTRIES INC.

33, SEORIN-DONG JONGNO-GU SEOUL, 100-012 SOUTH KOREA

TEL:+82-2-37069114 FAX:+82-2-37069363

 

DONGYANG GANGCHUL CO., LTD.

275-2 DAEHWA-DONG DAEDEOK-GU DAEJON, 306-801 SOUTH KOREA

TEL:+82-42-6058300 FAX:+82-42-6229967

 

IZOCAM TICARET VE SANAYI A.S.

DILOVASI MEVKII GEBZE KOCAELI, 41455 TURKEY

TEL:+90-262-7546390 FAX:+90-262-7546688

 

 

Related Parties (Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates-Domestic

KCC ENGINEERING & CONSTRUCTION CO., LTD.(110111-0607618)

(36.0% held by the subject company)

 

KOREA AUTOGLASS CORPORATION(164711-0007507)

(40.0% held by the subject company)

 

KUMGANG LEISURE LTD.(131211-0001433)

(20.5% held by the subject company)

 

KCC MINERAL RESOURCES CO., LTD.(115511-0000728)

(60.0% held by the subject company)

 

WANJU WHINYEOUL CO., LTD.(110111-3801548)

BORYUNG WHINYEOUL CO., LTD.(110111-3948366)

MIRAE CO., LTD.(KOREA)

DAESAN COMPLEX CO., LTD.(161411-0028792)

Affiliates-Overseas

KCC(SINGAPORE) PTE. LTD.

KCC PAINTS SDN. BHD.

KCC COATING SDN. BHD.

KCC CHEMICAL (HK)

HOLDINGS LIMITED

KCC CHEMICAL(KUNSHAN) CO., LTD.

KCC CHEMICAL(BEIJING) CO., LTD.

KCC(GUANGZHOU) CO., LTD.

KCC BOYA SANAYI VE TICARET LIMITED SIRKETI

KCC PAINT (INDIA)

PRIVATE LIMITED

KCC(VIETNAM) CO., LTD.

PT KCC INDONESIA BASILDON CHEMICAL CO., LTD.

YUAN YUAN INVESTMENT (SHANGHAI) CO., LTD.

KCC(AMERICA) INC.

KCC EUROPE GMBH

KCC JAPAN CO., LTD.

Subsidiary

KCC ENGINEERING & CONSTRUCTION CO., LTD.(110111-0607618)

(36.0% held by the subject company)

 

KCC MINERAL RESOURCES CO., LTD.(115511-0000728)

(60.0% held by the subject company)

 

KOREA AUTOGLASS CORPORATION(164711-0007507)

(40.0% held by the subject company)

 

KAM COPORATION(161411-0019791)

(51.0% held by the subject company)

 

ARCHE SOLAR CO., LTD.(135711-0062936)

(94.36% held by the subject company)

 

KCC CHEMICAL (HK) HOLDINGS LIMITED(CHINA)

(100% held by the subject company)

 

KCC CHEMICAL(KUNSHAN) CO., LTD.(CHINA)

KCC CHEMICAL(BEIJING) CO., LTD.(CHINA)

KCC(GUANGZHOU)CO., LTD.    (CHINA)

 

KCC(SINGAPORE) PTE. LTD.(SINGAPORE)

(100% held by the subject company)

 

KCC PAINTS SDN. BHD.(MALAYSIA)

KCC COATING SDN. BHD.(MALAYSIA)

 

PT KCC INDONESIA(INDONESIA)

(50% held by the subject company)

 

KCC BOYA SANAYI VE TICARET LIMITED SIRKETI(TURKEY)

(100% held by the subject company)

 

KCC PAINT (INDIA) PRIVATE LIMITED(INDIA)

(100% held by the subject company)

 

KCC(VIETNAM) CO., LTD.(VIETNAM)

(100% held by the subject company)

 

KCC E&C ZANBYL ZHOL KURYLYS(KAZHUSTAN)

 

POLYSILICON TECHNOLOGY COMPANY(SAUDI ARABIA)

(50% held by the subject company)

 

BASILDON CHEMICAL CO., LTD.(UK)

(100% held by the subject company)

 

KCC(AMERICA) INC.(USA)

(100% held by the subject company)

 

YUAN YUAN INVESTMENT (SHANGHAI) CO., LTD.(CHINA)

KCC EUROPE GMBH(GERMANY)

 

KCC JAPAN CO., LTD.(JAPAN)

(100% held by the subject company)

Corporate Ownership

 

Major Shareholders

 

Cooperative Enterprise

-Insured Company

DONGBU INSURANCE CO., LTD(110111-0095285)

MERITZ FIRE & MARINE INSURANCE CO., LTD.(110111-0013328)

 

-Technical Support

ASAHI GLASS(Japan)

DUPONT(USA)

YRC(Japan)

ARKEMA(France)

PPG(USA)

 

 

Sales by Region (Activity & Markets)

 

Sales/ Unit :Mil KRW

03/2011

2010

2009

Export

190,228

784,812

705,888

Domestic

574,224

2,045,703

1,974,208

Total

764,452

2,830,515

2,680,097

The Subject deals with the companies in China, Taiwan, Japan, Singapore, USA and Europe.

 

 

Court Action

 

There are 10 cases filed as Plaintiff(s)/ Creditor(s)/ Applicant(s) amounting 6,685,130,000 KRW, and 1 case filed as Defendant(s)/ Debtor(s)/ Respondent(s) amounting 271,893,000 KRW.

 

News Clipping

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FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.10

UK Pound

1

Rs.102.04

Euro

1

Rs.80.74

 

INFORMATION DETAILS

 

Analysis Done by :

SUM

 

 

Report Prepared by :

TPT

 

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%)

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.