MIRA INFORM REPORT

 

 

Report Date :

30.07.2014

 

IDENTIFICATION DETAILS

 

Name :

CLARIANT INTERNATIONAL AG

 

 

Registered Office :

Rothausstrasse 61, 4132 Muttenz/BL

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

25.10.1989

 

 

Com. Reg. No.:

280.3.917.604-0 / 359797

 

 

Legal Form :

Company limited by shares

 

 

Line of Business :

Wholesaler of chemical products

 

 

No of Employees :

160

 

 

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 – June 01, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderate Low Risk

 

B1

Moderate Risk

 

B2

Moderate High Risk

 

C1

High Risk

C2

Very High Risk

 

D

 


 

SWITZERLAND ECONOMIC OVERVIEW

 

Switzerland is a peaceful, prosperous, and modern market economy with low unemployment, a highly skilled labor force, and a per capita GDP among the highest in the world. Switzerland's economy benefits from a highly developed service sector, led by financial services, and a manufacturing industry that specializes in high-technology, knowledge-based production. Its economic and political stability, transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates also make Switzerland one of the world's most competitive economies. The Swiss have brought their economic practices largely into conformity with the EU's to enhance their international competitiveness, but some trade protectionism remains, particularly for its small agricultural sector. The fate of the Swiss economy is tightly linked to that of its neighbors in the euro zone, which purchases half of all Swiss exports. The global financial crisis of 2008 and resulting economic downturn in 2009 stalled export demand and put Switzerland in a recession. The Swiss National Bank (SNB) during this period effectively implemented a zero-interest rate policy to boost the economy as well as prevent appreciation of the franc, and Switzerland's economy began to recover in 2010. The sovereign debt crises currently unfolding in neighboring euro-zone countries pose a significant risk to Switzerland's financial stability and are driving up demand for the Swiss franc by investors seeking a safe-haven currency. The independent SNB has upheld its zero-interest rate policy and conducted major market interventions to prevent further appreciation of the Swiss franc, but parliamentarians have urged it to do more to weaken the currency. The franc's strength has made Swiss exports less competitive and weakened the country's growth outlook; GDP growth fell below 2% per year during 2011-13. Switzerland has also come under increasing pressure from individual neighboring countries, the EU, the US, and international institutions to reform its banking secrecy laws. Consequently, the government agreed to conform to OECD regulations on administrative assistance in tax matters, including tax evasion. The government has renegotiated its double taxation agreements with numerous countries, including the US, to incorporate the OECD standard, and is considering the possibility of imposing taxes on bank deposits held by foreigners. These steps will have a lasting impact on Switzerland's long history of bank secrecy

 

Source : CIA

 

 


COMPANY NAME

 

Clariant International AG

 

 

Operating address

 

Rothausstrasse 61

4132 Muttenz/BL

Switzerland/CH

 

Telephone:                    061 4695111

Fax:                             061 4695901

 

Web site:                      http://www.clariant.com

E-mail:                         info@clariant.com

 

WIN Worldbox No.:        CH0000060679

VAT-No.:                      CHE106515013

 

 

Profile

 

Established:                  1989

Line of Business:           Consumer goods wholesale

Industry Division:           Wholesale trade

Industry-code (NACE):   4675       Wholesale of chemical products

Import/Export:               Export

Export sales:                95,0%

Banks:                         unknown

 

 

Operational Figures

 

Coverage:                     Company

Figures:                        approximately

Employees:                  160

 

 

Activity

 

The business activities includes the sale of dyes, pigments, additives, masterbatches and speciality chemicals for dyeing and and finishing textiles, paper, leather, plastics and aluminium as well as for paints and inks.

 

 

Real Estate

 

Information on property ownership was not available.

 

 

Company Register

 

Company No:                280.3.917.604-0 / 359797

Legal form:                    Company limited by shares

Registration:                 25.10.1989

Legal status:                 active

Responsible Register:    Handelsregister des Kantons Basel-Landschaft

History:                        Date of Statutes: 06.07.1993

                                    Date of Statutes: 02.11.2009

                                    Date of Statutes: 02.12.2008

                                    Date of Statutes: 12.12.2007

                                    Date of Statutes: 15.05.2006

                                    Date of Statutes: 30.06.1995

 

Entry          Deleted      Name

12.07.1995                    Clariant International AG

12.07.1995                    Clariant International SA (Name translated)

12.07.1995                    Clariant International Ltd (Name translated)

                  12.07.1995  Sandoz Chemikalien AG

                  12.07.1995  Sandoz Chimie SA (Name translated)

                  12.07.1995  Sandoz Chemicals Ltd (Name translated)

 

Entry          Deleted      Legal domicile

active                           Muttenz, Switzerland

 

Entry          Deleted      Address

active                           Rothausstrasse 61, 4132 Muttenz/BL, Switzerland/CH

 

Entry          Deleted      Capital

18.12.2008                    Share Capital CHF 180,704,000, paidup CHF 180,704,000

 

Entry          Deleted      Capital Structure

18.12.2008                    180,704 Registered shares of CHF 1,000.--

 

 

Official Administration

 

Title                                           Name

President                                    Dr. Hariolf Kottmann, Origin: Germany, Residential address: 8802 Kilchberg /ZH, Switzerland, joint signature of two, Registered since: 01.10.2008

Director                                       Daniel Hug, Origin: Quarten, Switzerland, Residential address: 4101 Bottmingen, Switzerland, joint signature of two, Registered since: 18.12.2009

Director                                       Patrick Jany, Origin: Germany, Residential address: 4143 Dornach, Switzerland, joint signature of two, Registered since: 24.01.2006

Director                                       Alfred Christian Münch, Origin: Basel, Switzerland, Residential address: 8127 Forch , Switzerland, joint signature of two, Registered since: 07.07.2010

 

Management

 

Title                                           Name

General Manager, Chairman of the management Dr. Hariolf Kottmann, Origin: Germany, Residential address: 8802 Kilchberg /ZH, Switzerland, joint signature of two, Registered since: 01.10.2008

Member of the management         Patrick Jany, Origin: Germany, Residential address: 4143 Dornach, Switzerland, joint signature of two, Registered since: 24.01.2006

Member of the management         Dr. Christian Kohlpaintner, Origin: Germany, Residential address: Basel, Switzerland, joint signature of two, Registered since: 13.11.2009

Member of the management         Dr. Mathias Lütgendorf, Origin: Germany, Residential address: Bad Soden am Taunus, Germany, joint signature of two, Registered since: 10.06.2009

Director                                       Dr. Hans Bohnen, Origin: Germany, Residential address: Schliengen-Mauchen, Germany, joint signature of two, Registered since: 18.12.2009

Director                                       Marco Cenisio, Origin: Italy, Residential address: 4102 Binningen, Switzerland, joint signature of two, Registered since: 18.12.2009

Director                                       Michael Erich Grosskopf, Origin: Germany, Residential address: Lörrach , Germany, joint signature of two, Registered since: 18.12.2009

Director                                       Claus Hefner, Origin: Germany, Residential address: Nauheim , Germany, joint signature of two, Registered since: 05.03.2009

Director                                       Stefan Christof J. Heuser, Origin: Germany, Residential address: 4102 Binningen, Switzerland, joint signature of two, Registered since: 18.12.2009

Director                                       Oliver Kinkel, Origin: Germany, Residential address: Steinen , Germany, joint signature of two, Registered since: 13.12.2005

Director                                       Dr. Joachim Friedrich Eduard Krüger, Origin: Germany, Residential address: 4143 Dornach, Switzerland, joint signature of two, Registered since: 02.12.2010

Director                                       Volker Laska, Origin: Germany, Residential address: 4310 Rheinfelden, Switzerland, joint signature of two, Registered since: 13.12.2005

Director                                       Rudi Leonhardt, Origin: Germany, Residential address: Baden-Baden , Germany, joint signature of two, Registered since: 02.12.2010

Director                                       Norbert Merklein, Origin: Germany, Residential address:  Kronberg, Germany, joint signature of two, Registered since: 18.12.2009

Director                                       Walter Mohr, Origin: Germany, Residential address: Kandern, Germany, joint signature of two, Registered since: 14.05.2013

Director                                       Alfred Christian Münch, Origin: Basel, Switzerland, Residential address: 8127 Forch , Switzerland, joint signature of two, Registered since: 07.07.2010

Director                                       Dr. Ralf-Henri Schlömer, Origin: Germany, Residential address: Bad Soden , Germany, joint signature of two, Registered since: 14.11.2013

Director                                       Dr. Martin Vollmer, Origin: Germany, Residential address: 4313 Leverkusen-Schlebusch, Germany, joint signature of two, Registered since: 07.07.2010

Director                                       Michael Willome, Origin: Biel/Bienne, Switzerland, Residential address: Binningen, Switzerland, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Jérôme Abrahmi, Origin: France, Residential address: 4101 Brunstatt, France, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Dr. Werner Emil Brodt, Origin: Germany, Residential address: 4402 Möhlin, Switzerland, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Dr. Matthias Brommer, Origin: Germany, Residential address: Rheinfelden , Germany, joint signature of two, Registered since: 14.10.2011

Vice-Director                               Bernhard Siegfried Ehrenreich, Origin: Germany, Residential address: Emersacker , Germany, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Alexandre Augusto Grou Baron, Origin: Brazil, Residential address: Riehen, Switzerland, joint signature of two, Registered since: 25.01.2012

Vice-Director                               Dr. Bernd Hirschberg, Origin: Germany, Residential address: Möhlin, Switzerland, joint signature of two, Registered since: 26.10.2012

Vice-Director                               Martin Paul Johann John, Origin: Germany, Residential address: Kronberg am Taunus, Germany, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Dr. Gerd Joachim König, Origin: Germany, Residential address: 4310 Rheinfelden, Switzerland, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Kay-Uwe Kutschbach, Origin: Germany, Residential address: 4132 Muttenz, Switzerland, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Dietmar Müller, Origin: Germany, Residential address: Basel, Switzerland, joint signature of two, Registered since: 14.10.2011

Vice-Director                               Peter Karl Ochs, Origin: Germany, Residential address: 4313 Möhlin, Switzerland, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Dr. Bert Willi Portz, Origin: Germany, Residential address: Lörrach , Germany, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Dr. Michael Riedel, Origin: Germany, Residential address: 4144 Arlesheim, Switzerland, joint signature of two, Registered since: 05.03.2009

Vice-Director                               Martin Seifert, Origin: Germany, Residential address: Müllheim , Germany, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Dominik Strebel, Origin: Mägenwil, Switzerland, Residential address: 5506 Mägenwil, Switzerland, joint signature of two, Registered since: 18.12.2009

Vice-Director                               Dr. Andreas Martin Wyder, Origin: Zürich, Switzerland, Residential address: Oberwil /BL, Switzerland, joint signature of two, Registered since: 18.12.2009

Member with signing authority       Silke Burkhardt, Origin: Basel, Pfeffingen, Switzerland, Residential address: Oberwil/BL, Switzerland, joint signature of two, Registered since: 07.09.2011

Member with signing authority       Dr. Isabelle Friedhoff, Origin: Germany, Residential address: Muttenz, Switzerland, joint signature of two, Registered since: 06.08.2012

Member with signing authority       Philipp Hammel, Origin: Basel, Kleinlützel, Switzerland, Residential address: 4104 Oberwil /BL, Switzerland, joint signature of two, Registered since: 04.02.2008

Member with signing authority       Neil Harnisch, Origin: Schwarzenburg, Switzerland, Residential address: Basel, Switzerland, joint signature of two, Registered since: 10.03.2014

Member with signing authority       Stephen Heimberg, Origin: Oberwil im Simmental, Switzerland, Residential address: Möhlin, Switzerland, joint signature of two, Registered since: 12.11.2013

Member with signing authority       Dr. Gion Marco Job, Origin: Schluein, Switzerland, Residential address: 4147 Aesch /BL, Switzerland, joint signature of two, Registered since: 28.07.2004

Member with signing authority       Daniel Edwin Leuthardt, Origin: Arlesheim, Switzerland, Residential address: Aesch /BL, Switzerland, joint signature of two, Registered since: 10.03.2014

Member with signing authority       Kirsten Müller Kellenberger, Origin: Escholzmatt, Romoos, Riehen, Rehetobel, Switzerland, Residential address: 4125 Riehen, Switzerland, joint signature of two, Registered since: 04.02.2008

Member with signing authority       Matthias Saxer, Origin: Sevelen, Switzerland, Residential address: 4800 Zofingen, Switzerland, joint signature of two, Registered since: 04.02.2008

Member with signing authority       Michael Stanek, Origin: Birsfelden, Switzerland, Residential address: Frick, Switzerland, joint signature of two, Registered since: 26.10.2012

Member with signing authority       Dr. Ulrich Bernhard Steiner, Origin: Zürich, Switzerland, Residential address: 8301 Wallisellen, Switzerland, joint signature of two, Registered since: 02.12.2010

Member with signing authority       Adrian Tillmann, Origin: Niederried bei Kallnach, Switzerland, Residential address: 4132 Muttenz, Switzerland, joint signature of two, Registered since: 24.07.2003

Member with signing authority       Dr. Susanne Wagner, Origin: Germany, Residential address: 4000 Basel, Switzerland, joint signature of two, Registered since: 04.02.2008

Member with signing authority       Herbert Wetter, Origin: Remetschwil, Switzerland, Residential address: 4414 Füllinsdorf, Switzerland, joint signature of two, Registered since: 26.06.1998

Member with signing authority       Martin August Zehnder, Origin: Döttingen, Switzerland, Residential address: 5430 Wettingen, Switzerland, joint signature of two, Registered since: 02.12.2010

Member with signing authority       Dr. Peter Zimmermann, Origin: Luzern, Switzerland, Residential address: 4104 Bottmingen/BL, Switzerland, joint signature of two, Registered since: 04.02.2008

 

External Positions

 

Title                                           Name

Auditor                                        PricewaterhouseCoopers AG, Residential address: Basel, Switzerland, Id: CH-270.9.000.974-6, Registered since: 24.05.2000

 

 

Financial Data Clariant Group

 

Consolidation:               consolidated

Industry:                       Trade/Industry

 

Fiscal year end:                                     31.12.2013        31.12.2012        31.12.2011        31.12.2010        31.12.2009

Number of months:                                       12                    12                    12                    12                    12

Currency:                                                mil. CHF           mil. CHF           mil. CHF           mil. CHF           mil. CHF

Statement norm:                                          IAS                   IAS                  IAS                   IAS                  IAS

 

Balance Sheet

Intangible fixed assets                                   1,549.0             1,584.0             1,762.0                269.0                294.0

Land and buildings                                           973.0                948.0             1,113.0                818.0                959.0

Other tangible fixed assets                             1,068.0             1,155.0             1,381.0                851.0                968.0

Tangible fixed assets                                     2,041.0             2,103.0             2,494.0             1,669.0             1,927.0

Financial fixed assets                                       635.0                589.0                591.0                242.0                292.0

other fixed assets                                            288.0                366.0                331.0                236.0                192.0

Fixed assets                                                 4,513.0             4,642.0             5,178.0             2,416.0             2,705.0

Stocks                                                            846.0                887.0             1,151.0                800.0                853.0

Trade accounts receivable                                 905.0                857.0             1,134.0                985.0             1,102.0

Liquid assets                                                   770.0             1,372.0             1,199.0                716.0             1,140.0

Securities                                                        147.0                295.0

other trade accounts                                        944.0             1,422.0                368.0                978.0                253.0

Accruals                                                           49.0                  50.0                 51.0                  26.0                 39.0

Other current assets                                      1,910.0             3,139.0             1,618.0             1,720.0             1,432.0

Current assets                                              3,661.0             4,883.0             3,903.0             3,505.0             3,387.0

Total assets                                                  8,174.0             9,525.0             9,081.0             5,921.0             6,092.0

 

Capital                                                         1,228.0             1,094.0             1,183.0                921.0                921.0

Other shareholders funds                               1,486.0             1,860.0             1,750.0                838.0                923.0

Total shareholders equity                               2,714.0             2,954.0             2,933.0             1,759.0             1,844.0

Minority interests                                               66.0                  86.0                 93.0                  47.0                 52.0

long term debt (financial debts)                       1,830.0             2,444.0             1,835.0             1,305.0             1,553.0

Provisions                                                       223.0                206.0                242.0                320.0                725.0

Other non current liabilities                               789.0                678.0                827.0                528.0                112.0

Non current liabilities                                     2,842.0             3,328.0             2,904.0             2,153.0             2,390.0

short term debt (financial debts)                        589.0             1,032.0             1,139.0                240.0                132.0

Trade accounts payable                                    784.0                810.0                843.0             1,170.0             1,024.0

Provisions                                                       334.0                365.0                364.0                310.0                395.0

Accruals                                                         321.0                368.0                292.0

other accounts payable                                    524.0                582.0                513.0                242.0                255.0

other current liabilities                                    1,179.0             1,315.0             1,169.0                552.0                650.0

Current liabilities                                           2,552.0             3,157.0             3,151.0             1,962.0             1,806.0

Shareh. equity, min. interests + liabilities        8,174.0             9,525.0             9,081.0             5,921.0             6,092.0

 

Profit and loss account

Net sales                                                      6,076.0             6,038.0             7,370.0             7,120.0             6,614.0

Other operating revenue                                      19.0                   4.0                   5.0                   0.0                 33.0

Operating revenue                                         6,095.0             6,042.0             7,375.0             7,120.0             6,647.0

Cost of goods sold                                        4,332.0             4,293.0             5,402.0             5,133.0             4,749.0

Gross profit                                                   1,763.0             1,749.0             1,973.0             1,987.0             1,898.0

Other operating expenses                              1,356.0             1,401.0             1,513.0             1,312.0             1,918.0

Operating result                                               407.0                348.0                460.0                675.0                -20.0

Interest revenues                                               11.0                  17.0                 14.0                  12.0                   7.0

other financial revenues                                      66.0                  53.0                 52.0                  24.0                   3.0

Financial income                                               77.0                  70.0                 66.0                  36.0                 10.0

Interest expenses                                            123.0                155.0                122.0                  74.0                 80.0

other financial expenses                                     16.0                  17.0                 70.0                395.0                 31.0

Financial expenses                                          139.0                172.0                192.0                469.0                111.0

Financial result                                                 -62.0               -102.0               -126.0               -433.0               -101.0

Result before extraordinary items                      345.0                246.0                334.0                242.0               -121.0

Extraordinary income                                                                 27.0                                           1.0

Extraordinary expenses                                    318.0

Extraordinary Result                                        -318.0                  27.0                   0.0                   1.0                   0.0

Result before taxes                                            27.0                273.0                334.0                243.0               -121.0

Taxes                                                               22.0                  35.0                 83.0                  52.0                 73.0

Result before minority interests                             5.0                238.0                251.0                191.0               -194.0

minority interests                                               25.0                  21.0                 24.0                  11.0                 12.0

Result for the financial year                                -20.0                217.0                227.0                180.0               -206.0

 

Cash flow

Depreciation                                                    121.0                255.0                219.0                195.0                214.0

Cash flow                                                        126.0                493.0                470.0                386.0                 20.0

Cash flow from operating activities                     301.0                468.0                206.0                642.0                757.0

Investments in tangible fixed assets                   292.0                311.0                370.0                224.0                135.0

Cash flow from investing activities                      100.0               -592.0               -741.0               -961.0               -114.0

Cash flow from financing activities                     -974.0                305.0             1,033.0                 -62.0                140.0

Others                                                             -29.0                  -8.0                -15.0                 -43.0                   1.0

Change in liquidity                                           -602.0                173.0                483.0               -424.0                784.0

Liquidity at beginning of the year                     1,372.0             1,199.0                716.0             1,140.0                356.0

Liquidity at end ot the year                                770.0             1,372.0             1,199.0                716.0             1,140.0

 

Notes

Cost of employees                                        1,651.0             1,715.0             1,623.0             1,479.0             1,555.0

Research and Development                               199.0                175.0                176.0                135.0                150.0

Added value                                                  1,922.0             2,398.0             2,298.0             1,991.0             1,728.0

Working Capital                                               967.0                934.0             1,442.0                615.0                931.0

Sales per Employee                                            0.3                   0.3                   0.3                   0.4                   0.4

Market capitalisation                                     5,414.0             3,652.0             2,742.0             4,359.2             2,812.6

Gross cost land and buildings                        2,357.0             2,230.0             2,687.0             2,405.0             2,682.0

Gross cost other tangible fixed assets            3,342.0             3,418.0             4,559.0             3,926.0             4,348.0

Gross cost total                                            5,699.0             5,648.0             7,246.0             6,331.0             7,030.0

Insurance value total                                                                                     7,873.0             6,989.0             7,491.0

 

Full time units at year end                               18,099              21,202              22,149              16,176              17,536

Employees inland                                                                                                                                              526

Employees abroad                                                                                                                                        17,010

 

 

Ultimate Parent Company

 

Name:                          Clariant AG

City/Country:                 Muttenz/BL, Switzerland/CH

 

 

Owner/-s

 

No. of Owner/-s:            1

Owner:                         The company is domestic owned.

 

Class:                          100%

Type:                            indirect, Group-Level 1

Name:                          Clariant AG

City/Country:                 Muttenz/BL, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest

Investments

 

Class:                          100%

Name:                          Clariant (Österreich) GmbH

City/Country:                 Wien, Austria/AT

Interest:                        100,00% voting right, 100,00% capital interest

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

20.03.2013          2013                           0

20.03.2013          2012                           0

20.03.2013          2011                           0

20.03.2013          2010                           0

20.03.2013          2009                           0

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 

 

Remarks

 

Debt collection case:

FEB 2013: CHF 179.00.

OCT 2010: CHF 202.00, paid.

 

 

Credit Information

 

Financial Statements:    The company does not disclose any financial statements. Third parties are not permitted any insight into the financial affairs. It is therefore difficult to make a proper assessment of the actual situation.

 

Financial Situation:        The financial situation is good.

 

Payment experiences:   Payments are made with arranged conditions.


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs. 60.10

UK Pound

1

Rs. 102.04

Euro

1

Rs. 80.73

 

 

INFORMATION DETAILS

 

Analysis Done by :

SMT

 

 

Report Prepared by :

DPT

 

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.