MIRA INFORM REPORT

 

 

Report Date :

07.06.2014

 

IDENTIFICATION DETAILS

 

Name :

SARINE TECHNOLOGIES LTD.

 

 

Formerly Known As :

SARIN TECHNOLOGIES LTD

 

 

Registered Office :

7 Atirei Yeda Street Atir Yeda Industrial Park Kfar Saba 4464307

 

 

Country :

Israel

 

 

Date of Incorporation :

03.11.1988

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Subject is engaged in Developers, manufactures, exporters and marketers of precision technology products based on automated three-dimensional (3-D) geometric measurement for the processing of diamonds and gems.

 

 

No. of Employees :

171

 

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)

Israel

A2

A2

 

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

 

 

ISRAEL - ECONOMIC OVERVIEW

 

Israel has a technologically advanced market economy. Its major imports include crude oil, grains, raw materials, and military equipment. Cut diamonds, high-technology equipment, and pharmaceuticals are among the leading exports. Israel usually posts sizable trade deficits, which are covered by tourism and other service exports, as well as significant foreign investment inflows. The global financial crisis of 2008-09 spurred a brief recession in Israel, but the country entered the crisis with solid fundamentals - following years of prudent fiscal policy and a resilient banking sector. The economy has recovered better than most advanced, comparably sized economies. In 2010, Israel formally acceded to the OECD. Israel's economy also has weathered the Arab Spring because strong trade ties outside the Middle East have insulated the economy from spillover effects. Natural gasfields discovered off Israel's coast during the past two years have brightened Israel''s energy security outlook. The Leviathan field was one of the world''s largest offshore natural gas finds this past decade, and production from the Tama field is expected to meet all of Israel''s natural gas demand beginning mid-2013. In mid-2011, public protests arose around income inequality and rising housing and commodity prices. The government formed committees to address some of the grievances but has maintained that it will not engage in deficit spending to satisfy populist demands

 

Source : CIA

 

 


 

Company name and address

 

SARINE TECHNOLOGIES LTD.

 

Telephone         972 9 790 35 00

Fax                   972 9 790 35 01

Email:               sarine@sarine.com

 

7 Atirei Yeda Street

Atir Yeda Industrial Park

Kfar Saba 4464307 Israel

 

 

HISTORY & LEGAL FORMATION

 

Originally established as a private limited company and registered as such as per file No. 51-133220-7 on the 03.11.1988.

 

In April 2005 converted into a public limited company (keeping the same Registration No.), after offering shares on the Singapore Stock Exchange.

 

Originally registered under the name BURIMAR LTD., which changed to SARIN RESEARCH, DEVELOPMENT AND MANUFACTURE (1988) LTD. on the 21.09.1989, which changed to SARIN TECHNOLOGIES LTD. on the 30.12.1994, which changed to the present name on the 20.01.2014.

 

 

SHARE CAPITAL

 

Authorized share capital 0.00 (no face value), divided into:-

            2,000,000,000 ordinary shares of 0.00 each (no face value),

of which 345,884,803 shares were issued.

 

 

SHAREHOLDERS

 

1.         SARIN RESEARCH & DEVELOPMENT LTD., 34.1%, controlled by Hanoh Stark and Ehud Harel,

2.         INTERHIGHTECH (1982) LTD., 15.46%, owned by Daniel Benjamin Glinert, Aharon Shapira, Gilad Moran and Uzi Levami,

3.         HSBC (S) NOMINEES PTE LTD., 10.9%, an institutional investor,

4.         CITIBANK NOMINEES SINGAPORE PTE LTD., 9.4%,

5.         DBS NOMINEES PTE LTD., 6.5%, an institutional investor,

6.         ASDEW ACQISITIONS PTE LTD., 6.2%, an institutional investor,

7.         DBSN SERVICES PTE LTD., 2.9%,

8.         MAYBANK KIM ENG SECURITIES PTE LTD., 2.3%,

9.         Eyal Avraham Khayat, 2.23%,

10.        RAFFLES NOMINEES PTE LTD., 1.34%,

11.        Shares are also traded on the Singapore Stock Exchange.

 

 

DIRECTORS

 

1.         Daniel Benjamin Glinert, Chairman,

2.         Uzi Levami, General Manager,

3.         Eyal Mashiah,

4.         Avraham Eshed,

5.         Hanoh Stark,

6.         Kam Loon Chan,

7.         Ehud Harel,

8.         Yehezkel Blum,

9.         Choo Lin Ong.

 

 

BUSINESS

 

Developers, manufactures, exporters and marketers of precision technology products based on automated three-dimensional (3-D) geometric measurement for the processing of diamonds and gems.

95% of Group's 2012 sales for exports, mainly to India (76.5% of sales in 2012).

Sales are to diamond institutes, diamond manufacturers, diamond dealers, gem laboratories, and retailers.

Among clientele: Gemological Institute of America, International Gemological Institute, Central Gemological Laboratory, European Gemological Laboratory, TIFFANY & CO., BAUER, WDC, DCLA, GIA, KARP IMPEX, KP SANGEV, etc.

 

Operating from headquarters premises, in 7 Atirei Yeda Street, Atir Yeda Industrial Park, Kfar Saba.

 

Having some 171 employees in SARIN Group, as of 2013.

 

 

MEANS

 

Current market value SGD 760.95 million.

 

Group invested US$ 7,714,000 in R&D in 2012 (US$ 6,611,000 in 2011).

 

Subject is an “Approved Enterprise” and as such entitled for State support, grants and tax relief.

In 2005 the Israeli Investment Centre (IIC) approved an investment plan for the expansion of subject’s facilities.

 

There are no charges registered on the company's assets.


 

Consolidated B/S shows:

US$ (thousands)

30.09.2013          31.12.2012

ASSETS

Current assets

Cash and cash equivalents        15,241              19,155

Short term investments              11,336              17,632

Trade receivables                      18,497              7,366

Other receivables                      3,156                1,474

Inventory                                  7,442                6,832

55,672              52,459

 

Non-current assets

P. P. & E                                  9,644                5,482

Intangible asset (net)                 8,380                9,208

Other non-current assets              1,329                   659

19,353              15,349

75,025              67,808

=======          =======

 

LIABILITIES

Current liabilities                        12,524              11,114

Long-term liabilities                   333                   556

Equity                                       62,168              56,138

                                                75,025              67,808

                                                =======          =======

 

 

REVENUES

Consolidated Statement of Income

US$ (thousands)

Year ended 31.12

2010     2011     2012

Sales                            45,663  57,803  63,750

 

Gross profit                  29,350  38,281  43,388

 

Operating profit             14,430  21,256  24,459

 

Profits before taxes

on income                     13,849  21,434  24,520

 

Net profit                      11,111  17,366  20,755

                                    ======            ======            =======

 

Consolidated first 9 months of 2013 sales were US$ 59,697,000 (20.5% increase compared to the parallel period of 2012), making a gross profit of
US$ 42,734,000, an operating income of US$ 24,664,000 and a net income of
US$ 19,426,000.

 

OTHER COMPANIES

 

Subject's subsidiaries (100%, unless otherwise stated):

GALATEA LTD., developers, manufacturers, exporters and marketers of technology and products applicable to the fully automated detecting and mapping of internal inclusions in rough and polished diamonds.

SARINE COLOR TECHNOLOGIES LTD. (Israel)

SARINE POLISHING TECHNOLOGIES LTD. (Israel)

SARIN HOLDINGS USA LTD. (Israel)

SARIN TECHNOLOGIES INDIA PRIVATE LTD. (India)

SARIN HONG KONG LTD. (Hong Kong)

SARINE NORTH AMERICA INC. (USA)

SARIN IGT 10H INC. (USA)

SARIN IGT 10I INC. (USA)

SARIN IGT 10JKL INC. (USA)

SUSNY LLC (USA)

IDEX ONLINE SA7, 23%.

 

 

BANKERS

 

According to our:

Bank Leumi Le'Israel Ltd., Diamond Exchange Business Branch (No. 743), Ramat Gan.

Union Bank of Israel Ltd., Ramat Gan Branch (No. 062), Ramat Gan.

 

Since we could not speak to subject's officials, we could not verify a/m bank data.

 

 

CHARACTER AND REPUTATION

 

Nothing unfavorable learned.

 

Despite our efforts, we were unable to speak with subject's officials, as they were always unavailable. We left messages which so far remain unanswered.

 

Subject is a veteran business, considered a leading company in their field.

 

In May 2004 subject acquired GALATEA for the sum of US$ 10.8 million, of which US$ 9 million in cash.

 

Israel's diamond industry remarked on impressive growth in almost all trade parameters in 2013, from the data by Israel's Diamond Administration at the Ministry of Economics: Net export of polished diamonds rose by 11.6% from 2012, reaching US$ 6.2 billion. The market has been volatile in recent years: the branch –in Israel as well as globally- experienced its worst depression in the 2nd half of 2008 and 2009 due to the global economic crisis (almost an entire freeze and collapse in sales of about 70% in the peak of the crisis), then recovered in 2010 and mainly in and fell again in 2012 (net export fell by 23% in 2012 from 2011).

Net rough diamond exports totaled US$2.9 billion in 2013, a mere rise from 2012.

Net imports of polished diamonds remained in similar level as 2012 (after drop by 25% in 2012 from 2011), totaling US$4.3 billion, while net rough diamonds imports summed at US$ 4 billion, 4% up from 2012 (when it fell 13% from 2011).

 

According to the President of the Israeli Diamonds Association, in 2010 the trade in the local diamond sector rolled annual turnover of US$ 25 billion while total debt to the banks stands on US$ 1.5 billion, down from US$ 2.4 billion in the eve of the global crisis. The Ministry of Economics also assisted the local diamond exporters by providing bank guarantees in total scope of NIS 1 billion.

In February 2009, Israel was ranked as the world’s largest exporter of cut diamonds, followed by India, Belgium and South Africa.

Local diamond sector employs some 20,000 persons.

 

 

SUMMARY

 

Notwithstanding the lack of updated data from subject's officials, considered good for trade engagements.

 

Note: Since February 2013 Israel Post has started using a new area code method of 7 digits (the old method of 5 digits is no longer valid).

 


 

DIAMOND INDUSTRY – INDIA

 

-            From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-            The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-            The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-            Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-            Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-            Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-            Excerpts from Times of India dated 30th October 2010 is as under –

 

-            Gem & Jewellery Export Promotion Council in its statistical data has shown the export of polished diamonds to have increase by 28 % in February 2013. Compared to $ 1.4 bn worth of polished diamond export in February, 2012, India exported $ 1.84 billion worth of polished diamonds in February 2013. A senior executive of GJEPC said, “Export of cut and polished diamonds started falling month-wise after the imposition of 2 % of import duty on the polished diamonds. But February, 2013 has given a new ray of hope to the industry as the export of polished diamonds has actually increased by 28 %. It means the industry  is on the track of recovery and round tripping of diamonds has stopped completely.” Demand has started coming from the US, the UK, Japan and China. India’s polished diamond export is expected to cross $ 21 bn in 2013-14.

 

-            The banking sector has started exercising restraint while following prudent risk management norms when lending money to gems and jewellery sector. This follows the implementation of Basel III accord – a global voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.20

UK Pound

1

Rs.99.52

Euro

1

Rs.80.83

 

 

INFORMATION DETAILS

 

Report Prepared by :

NIS

 

 

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.