MIRA INFORM REPORT

 

 

Report Date :

05.06.2014

 

IDENTIFICATION DETAILS

 

Name :

HANSGROHE SE

 

 

Registered Office :

Auestr. 5-9, D 77761 Schiltach, Post Box: 11 45

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

01.01.1901

 

 

Com. Reg. No.:

HRB 740779

 

 

Legal Form :

European Company (SE)

 

 

Line of Business :

·         Manufacture of metal products

·         Manufacture of taps and valves

·         Wholesale of non-ferrous ores, metals and metal semi-finished goods

·         Other engineering activities

 

 

No. of Employees :

3,129

 

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 :

Good

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)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderately Low Risk

 

B1

Moderate Risk

 

B2

Moderately High Risk

 

C1

High Risk

 

C2

Very High Risk

 

D

 


 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, has contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

Source : CIA

 

 

 

 


Company name and address

 

HANSGROHE SE

 

 Company Status:         active

                                    Auestr. 5-9

                                     D 77761 Schiltach

                                    Post Box:

                                     11 45

                                     Telephone:07836/51-0

                                       Telefax:  07836/51-1300

                                       Homepage: www.hansgrohe.com

                                        E-mail:   info@hansgrohe.com

 

 VAT no.:                       DE812782725

 

 

 CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM              European Company (SE)

 Date of foundation:       01.01.1901

 Registered on:             27.03.2012

 Commercial Register:   Local court 70190 Stuttgart

 under:                                       HRB 740779

 

 Share capital:                          EUR         61,156,320.00

 

 President of the Board of Directors:

                      Siegfried Gänßlen

                      Panoramastr. 9

                      D 72275 Alpirsbach

                      having sole power of representation

                      born: 30.01.1946

                      Profession: Management expert

 Vice-president of the Board of Directors:

                      Richard Grohe

                      Zollmatt 3

                      D 77761 Schiltach

                      authorized to jointly represent the company

                      born: 14.09.1965

                      Nationality: French

 Member of the Board of Directors:

                      Frank Semling

                      Alter Sportplatz 15

                      D 77797 Ohlsbach

                      authorized to jointly represent the company

                      born: 05.11.1966

 Member of the Board of Directors:

                      Marc Griggel

                      D 78048 Villingen-Schwenningen

                      authorized to jointly represent the company

                      born: 13.04.1968

 President of the Supervisory Board:

                      Klaus Grohe

                      Auestr. 25

                      D 77761 Schiltach

                      born: 03.04.1937

                      Marital status: married

 Vice-president of the Supervisory Board:

                      Lau Frandsen

                      Auestr. 5 - 9

                      D 77761 Schiltach

                      Marital status: unknown

 Member of the Supervisory Board:

                      Keith Allman

                      Auestr. 5 - 9

                      D 77761 Schiltach

                      Marital status: unknown

 Member of the Supervisory Board:

                      Gerald Volas

                      Auestr. 5 - 9

                      D 77761 Schiltach

                      Marital status: unknown

 Representative of the Employees within the Supervisory Board:

                      Barbara Scholl

                      Auestr. 5 - 9

                      D 77761 Schiltach

                      Marital status: unknown

 Representative of the Employees within the Supervisory Board:

                      Stefan Krischack

                      Auestr. 5-9

                      D 77761 Schiltach

                      Marital status: unknown

 Proxy:

                      Horst Josef Flieger

                      Bickenmäuerle 33/2

                      D 77761 Schiltach

                      authorized to jointly represent the company

                      born: 17.01.1954

                      Profession: Businessman

                      Marital status: married

 Proxy:

                      Joachim Huber

                      Scheffelweg 13

                      D 78713 Schramberg

                      authorized to jointly represent the company

                      born: 28.06.1958

 Proxy:

                      Dr.-Ing. Nicholas Matten

                      D 77652 Offenburg

                      authorized to jointly represent the company

                      born: 27.09.1961

 Proxy:

                      Thomas Peter Eitel Musial

                      D 61267 Neu-Anspach

                      authorized to jointly represent the company

                      born: 09.12.1963

                      Marital status: unknown

 Proxy:

                      Norbert Rembeck

                      D 89150 Laichingen

                      authorized to jointly represent the company

                      born: 27.05.1962

 Proxy:

                      Thomas Egenter

                      Am Bühlhof 50

                      D 77756 Hausach

                      authorized to jointly represent the company

                      born: 23.09.1967

 Proxy:

                      James-Phillipe Grohe

                      D 77709 Wolfach

                      authorized to jointly represent the company

                      born: 03.01.1967

 Proxy:

                      Udo Kraus

                      D 77773 Schenkenzell

                      authorized to jointly represent the company

                      born: 31.03.1967

 Proxy:

                      Christophe Germain Paul Gourlan

                      D 77652 Offenburg

                      authorized to jointly represent the company

                      born: 01.07.1972

 

 Further functions/participations of Siegfried Gänßlen (President

 of the Board of Directors)

 Manager:

                      Hansgrohe International GmbH

                      Auestr. 5-9

                      D 77761 Schiltach

                      Legal form: Private limited company

                      Share capital:     EUR            520,000.00

                      Registered

                      on:         13.01.1998

                      Reg. data:  70190 Stuttgart, HRB 480945

 Manager:

                      Hansgrohe Deutschland Vertriebs GmbH

                      Auestr. 5-9

                      D 77761 Schiltach

                      Legal form: Private limited company

                      Share capital:     EUR            100,000.00

                      Registered

                      on:         06.11.2002

                      Reg. data:  70190 Stuttgart, HRB 481204

 

 Further functions/participations of Richard Grohe (Vice-president

 of the Board of Directors)

 Shareholder:

                      Syngroh Beteiligungsgesellschaft mbH

                      Auestr. 25

                      D 77761 Schiltach

                      Legal form: Private limited company

                      Share capital:     EUR             50,000.00

                      Share:             EUR             12,500.00

                      Registered

                      on:         26.07.2013

                      Reg. data:  70190 Stuttgart, HRB 745743

 

 

 COMPANY HISTORY

 

 14.06.1905 - 09.09.1999  Hans Grohe GmbH & Co. KG

                          Auestr. 5-9

                          D 77761 Schiltach

                          Ltd partnership with priv. ltd. company

                          as general partner

 10.09.1999 - 27.03.2012  Hansgrohe AG (HRB 481038 AG Stuttgart)

                          Auestr. 5-9

                          D 77761 Schiltach

                          Public limited company

 

 

 RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 15.02.2007 - 03.04.2012  Member of the Board of Directors

                          Richard Grohe

                          D 77761 Schiltach

 22.12.2005 - 03.04.2012  Vice-president of the Supervisory Board

                          Thomas Voss

                          GB London

 20.12.2005 - 03.04.2012  Member of the Supervisory Board

                          Alfred Chini

                          D 72250 Freudenstadt

 20.12.2005 - 03.04.2012  Member of the Supervisory Board

                          Graham Balls

                          L Munsbach

 22.11.1999 - 03.04.2012  Member of the Supervisory Board

                          Manfred Hübner

                          D 77761 Schiltach

 

 

 BUSINESS ACTIVITIES

 

 Sectors

 25993   Manufacture of metal products n.e.c.

28140   Manufacture of taps and valves n.e.c.

46722   Wholesale of non-ferrous ores, metals and metal semi-finished goods

71129   Other engineering activities

 

 

 BRANCHES AND FACTORIES

 

 Branch:

                      Hansgrohe SE

                      Schramberger Str. 57

                      D 77761 Schiltach

 Branch:

                      Hansgrohe SE

                      Paradiesstr. 206b

                      D 12526 Berlin

                      TEL.: 030/6799090

 Branch:

                      Hansgrohe SE

                      Robert-Koch-Str. 2

                      D 72275 Alpirsbach

 Branch:

                      Hansgrohe SE

                      Carl-Zeiss-Str. 3

                      D 77656 Offenburg

 

 

 PARTICIPATIONS

 

 Shareholder:

                      Hansgrohe International GmbH

                      Auestr. 5-9

                      D 77761 Schiltach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            520,000.00

                      Share:             EUR            520,000.00

                      Reg. data:  13.01.1998

                                  Local court 70190 Stuttgart

                                  HRB 480945

 Shareholder:

                      Hansgrohe Deutschland Vertriebs GmbH

                      Auestr. 5-9

                      D 77761 Schiltach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            100,000.00

                      Share:             EUR            100,000.00

                      Reg. data:  06.11.2002

                                  Local court 70190 Stuttgart

                                  HRB 481204

 

 

 FINANCIAL INFORMATION

 

 Payment experience:    cash discount/within agreed terms

 

 Negative information:   We have no negative information at hand.

 

Balance sheet year:       2013

 

 

 REAL ESTATE

 

 Type of ownership:   Tenant

 Address              Auestr. 5-9

                      D 77761 Schiltach

 

 Real Estate of:      Lau Frandsen

 Type of ownership:   Tenant

 Address              Auestr. 5-9

                      D 77761 Schiltach

 

 Real Estate of:      Keith Allman

 Type of ownership:   Tenant

 Address              Auestr. 5-9

                      D 77761 Schiltach

 

 Real Estate of:      Gerald Volas

 Type of ownership:   Tenant

 Address              Auestr. 5-9

                      D 77761 Schiltach

 

 Real Estate of:      Barbara Scholl

 Type of ownership:   Tenant

 Address              Auestr. 5-9

                      D 77761 Schiltach

 

 Real Estate of:      Stefan Krischack

 Type of ownership:   Tenant

 Address              Auestr. 5-9

                      D 77761 Schiltach

 

 Land register documents were not available.

 

 

 BANKERS

 

 Principal bank

 VOLKSBANK KINZIGTAL, 77757 SCHILTACH

 Sort. code: 66492700

 BIC: GENODE61KZT

 

 Further banks

 COMMERZBANK, 78628 ROTTWEIL

 Sort. code: 64240071

 BIC: COBADEFF642

 DEUTSCHE BANK, 77603 OFFENBURG

 Sort. code: 66470035

 BIC: DEUTDE6F664

 COMMERZBANK VORMALS DRESDNER BANK, 79003 FREIBURG IM BREISGAU

 Sort. code: 68080030

 BIC: DRESDEFF680

 VOLKSBANK KINZIGTAL, 77706 WOLFACH

 Sort. code: 66492700

 BIC: GENODE61KZT

 SPARKASSE WOLFACH, 77705 WOLFACH

 Sort. code: 66452776

 BIC: SOLADES1WOF

 BADEN-WÜRTTEMB.BANK/LANDESBANK BADEN-WÜRTTEMB., 78054

 VILLINGEN-SCHWENNINGEN

 Sort. code: 64450288

 BIC: SOLADEST480

 BADEN-WÜRTTEMB.BANK/LANDESBANK BADEN-WÜRTTEMB., 78614 ROTTWEIL

 Sort. code: 60050101

 BIC: SOLADEST600

 

 

 FINANCIAL FIGURES

 

 Turnover:                      2012               EUR        649,723,136.00

                                    2013               EUR        666,963,331.00

 Profit:                             2012               EUR         81,670,725.00

                                     2013               EUR         80,947,149.00

 further business figures:

 Ac/ts receivable:                                              EUR         99,395,513.00

 Liabilities:                                            EUR        110,778,115.00

 Employees:                                                                                 3,129

 - thereof permanent staff:                                                3,008

 - Trainees:                                                                         121

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2013 - 31.12.2013

 Equity ratio [%]:                                         64.30

 Liquidity ratio:                                10.00

 Return on total capital [%]:              14.53

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                          64.54

 Liquidity ratio:                                          10.00

 Return on total capital [%]:             14.71

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                        66.84

 Liquidity ratio:                            10.00

 Return on total capital [%]:        15.02

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                          66.39

 Liquidity ratio:                                         10.00

 Return on total capital [%]:           17.30

 

 Equity ratio

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 Liquidity ratio

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 Return on total capital

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

Type of balance sheet:               Company balance sheet

 

 Financial year:      01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR        563,430,470.87

  Fixed assets                           EUR        107,824,014.37

   Intangible assets                     EUR          3,828,968.26

   Tangible assets                       EUR         95,960,086.98

   Financial assets                      EUR          8,034,959.13

    Other / unspecified financial assets EUR          8,034,959.13

  Current assets                         EUR        453,994,474.14

   Stocks                                EUR         61,248,415.96

    Finished goods / work in progress    EUR         61,248,415.96

   Accounts receivable                   EUR         99,395,513.16

    Other debtors and assets             EUR         99,395,513.16

   Liquid means                          EUR        293,350,545.02

  Remaining other assets                 EUR          1,611,982.36

   Accruals (assets)                     EUR          1,432,210.13

   Active difference from asset

   offsetting                            EUR            179,772.23

 

 LIABILITIES                             EUR        563,430,470.87

  Shareholders' equity                   EUR        362,968,293.34

   Capital                               EUR         61,156,320.00

    Subscribed capital (share capital)   EUR         61,156,320.00

   Reserves                              EUR        220,864,824.01

    Capital reserves                     EUR         11,734,542.73

    Retained earnings / revenue reserves EUR        209,130,281.28

   Balance sheet profit/loss (+/-)       EUR         80,947,149.33

    Balance sheet profit / loss          EUR         80,947,149.33

  Items between shareholders' equity and

  debt capital                           EUR                 13.83

   Allowances / bonuses                  EUR                 13.83

  Provisions                             EUR         89,684,048.30

   Pension provisions and comparable

   provisions                            EUR         49,899,972.00

   Provisions for taxes                  EUR          8,868,869.30

   Other / unspecified provisions        EUR         30,915,207.00

  Liabilities                            EUR        110,778,115.40

   Financial debts                       EUR          1,203,028.97

    Liabilities due to banks             EUR          1,203,028.97

   Other liabilities                     EUR        109,575,086.43

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         45,324,916.88

    Liabililties due to related companiesEUR         52,983,366.63

    Unspecified other liabilities        EUR         11,266,802.92

     thereof liabilities from tax /

     financial authorities               EUR          7,763,962.91

     thereof liabilities from social

     security                            EUR              2,348.96

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.  Code (HGB)

 

  Sales                                  EUR        666,963,331.47

  Inventory change + own costs (+/-)     EUR          2,448,552.01

   Inventory change (+/-)                EUR           -624,502.03

   Capitalised own costs                 EUR          3,073,054.04

  Other operating income                 EUR         18,617,934.86

  Cost of materials                      EUR        370,279,426.45

   Raw materials and supplies, purchased

   goods                                 EUR        337,630,360.99

   Purchased services                    EUR         32,649,065.46

  Gross result (+/-)                     EUR        317,750,391.89

  Staff expenses                         EUR        117,644,526.48

   Wages and salaries                    EUR         97,497,925.44

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         20,146,601.04

  Total depreciation                     EUR         24,477,852.43

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         24,477,852.43

  Other operating expenses               EUR         95,482,417.95

  Operating result from continuing

  operations                             EUR         80,145,595.03

  Result from participating interests

  (+/-)                                  EUR         24,932,569.68

   Expenses / income from participations EUR         24,932,569.68

    Income from transfer of profits      EUR         24,931,641.96

    Income from related companies        EUR                927.72

  Interest result (+/-)                  EUR           -306,758.87

   Interest and similar income           EUR          3,020,775.79

    thereof from related companies       EUR          1,111,073.59

   Interest and similar expenses         EUR          3,327,534.66

    thereof paid to related companies    EUR            412,506.84

  Other financial result                 EUR             58,652.37

   Income from securities and loans from

   financial assets                      EUR             58,652.37

  Financial result (+/-)                 EUR         24,684,463.18

  Result from ordinary operations (+/-)  EUR        104,830,058.21

  Extraordinary expenses                 EUR            639,191.00

  Extraordinary result (+/-)             EUR           -639,191.00

  Income tax / refund of income tax (+/-)EUR        -23,243,717.88

  Tax (+/-)                              EUR        -23,243,717.88

  Annual surplus / annual deficit        EUR         80,947,149.33

 

 Type of balance sheet:               Company balance sheet

 

 Financial year:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR        562,130,630.27

  Fixed assets                           EUR        108,740,324.81

   Intangible assets                     EUR          4,944,116.76

    Other / unspecified intangible assetsEUR          4,944,116.76

   Tangible assets                       EUR         95,789,135.29

    Other / unspecified tangible assets  EUR         95,789,135.29

   Financial assets                      EUR          8,007,072.76

    Other / unspecified financial assets EUR          8,007,072.76

  Current assets                         EUR        451,960,081.30

   Stocks                                EUR         60,534,092.51

    Raw materials, consumables and

    supplies                             EUR         14,885,882.49

    Finished goods / work in progress    EUR         45,648,210.02

   Accounts receivable                   EUR         86,940,038.56

    Trade debtors                        EUR         22,268,452.02

    Amounts due from related companies   EUR         53,233,194.90

    Other debtors and assets             EUR         11,438,391.64

   Liquid means                          EUR        304,485,950.23

  Remaining other assets                 EUR          1,430,224.16

   Accruals (assets)                     EUR          1,231,646.40

   Active difference from asset

   offsetting                            EUR            198,577.76

 

 LIABILITIES                             EUR        562,130,630.27

  Shareholders' equity                   EUR        363,691,869.32

   Capital                               EUR         61,156,320.00

    Subscribed capital (share capital)   EUR         61,156,320.00

   Reserves                              EUR        220,864,824.01

    Capital reserves                     EUR         11,734,542.73

    Retained earnings / revenue reserves EUR        209,130,281.28

   Balance sheet profit/loss (+/-)       EUR         81,670,725.31

    Balance sheet profit / loss          EUR         81,670,725.31

  Items between shareholders' equity and

  debt capital                           EUR                 47.06

   Allowances / bonuses                  EUR                 47.06

  Provisions                             EUR         87,731,197.93

   Pension provisions and comparable

   provisions                            EUR         45,544,724.00

   Provisions for taxes                  EUR         15,999,114.81

   Other / unspecified provisions        EUR         26,187,359.12

  Liabilities                            EUR        110,707,515.96

   Financial debts                       EUR          1,463,608.74

    Liabilities due to banks             EUR          1,463,608.74

   Other liabilities                     EUR        109,243,907.22

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR         45,105,443.16

    Liabililties due to related companiesEUR         56,151,809.03

    Unspecified other liabilities        EUR          7,986,655.03

     thereof liabilities from tax /

     financial authorities               EUR          1,449,983.21

     thereof liabilities from social

     security                            EUR              1,336.33

  Guarantees and other commitments       EUR            330,000.00

   Guarantees / warranties               EUR            330,000.00

    Guarantees                           EUR            330,000.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.  Code (HGB)

 

  Sales                                  EUR        649,723,135.69

  Inventory change + own costs (+/-)     EUR          6,048,758.79

   Inventory change (+/-)                EUR          3,272,572.42

   Capitalised own costs                 EUR          2,776,186.37

  Other operating income                 EUR         19,747,125.59

  Cost of materials                      EUR        369,396,165.24

   Raw materials and supplies, purchased

   goods                                 EUR        337,850,846.91

   Purchased services                    EUR         31,545,318.33

  Gross result (+/-)                     EUR        306,122,854.83

  Staff expenses                         EUR        111,792,410.92

   Wages and salaries                    EUR         92,416,187.98

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         19,376,222.94

  Total depreciation                     EUR         22,995,360.81

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         22,995,360.81

  Other operating expenses               EUR         98,521,259.68

  Operating result from continuing

  operations                             EUR         72,813,823.42

  Result from participating interests

  (+/-)                                  EUR         32,196,175.88

   Expenses / income from participations EUR         32,196,175.88

    Income from transfer of profits      EUR         32,195,782.30

    Income from related companies        EUR                393.58

  Interest result (+/-)                  EUR          1,234,234.94

   Interest and similar income           EUR          4,423,740.49

    thereof from related companies       EUR            804,771.11

   Interest and similar expenses         EUR          3,189,505.55

    thereof paid to related companies    EUR            489,716.26

  Other financial result                 EUR             40,773.19

   Income from securities and loans from

   financial assets                      EUR             40,773.19

  Financial result (+/-)                 EUR         33,471,184.01

  Result from ordinary operations (+/-)  EUR        106,285,007.43

  Extraordinary expenses                 EUR            639,191.00

  Extraordinary result (+/-)             EUR           -639,191.00

  Income tax / refund of income tax (+/-)EUR        -23,975,091.12

  Tax (+/-)                              EUR        -23,975,091.12

  Annual surplus / annual deficit        EUR         81,670,725.31

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.34

UK Pound

1

Rs.99.18

Euro

1

Rs.80.76

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

NNA

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

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

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

--

NB

New Business

 

--

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

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