MIRA INFORM REPORT

 

 

Report Date :

09.05.2014

 

IDENTIFICATION DETAILS

 

Name :

KCT GLOBAL PTE. LTD.

 

 

Registered Office :

80, Robinson Road, 02 - 00, 068898

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

10.08.2011

 

 

Com. Reg. No.:

201118980-H

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Engaged in an investment holding

 

(We tried to confirm / obtain the detailed activity but the same is not available from any sources)

 

 

No of Employees :

Not Available 

 

RATING & COMMENTS

 

MIRA’s Rating :

B 

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

 

 

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)

Singapore

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

 

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports, before slowing to in 2011-13, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub.

 

Source : CIA

 

 


 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

201118980-H

COMPANY NAME

:

KCT GLOBAL PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

10/08/2011

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

80, ROBINSON ROAD, 02 - 00, 068898, SINGAPORE.

BUSINESS ADDRESS

:

80, ROBINSON ROAD, 02-00, 068898, SINGAPORE.

TEL.NO.

:

65-62363333

FAX.NO.

:

65-62364399

CONTACT PERSON

:

VIRENDRA KUMAR ARORA ( DIRECTOR )

PRINCIPAL ACTIVITY

:

INVESTMENT HOLDING

ISSUED AND PAID UP CAPITAL

:

2,800,001.00 ORDINARY SHARE, OF A VALUE OF USD 2,800,001.00 

SALES

:

USD 123,802 [2013]

NET WORTH

:

USD 2,855,453 [2013]

STAFF STRENGTH

:

N/A

BANKER (S)

:

DEUTSCHE BANK AKTIENGESELLSCHAFT

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

GOOD

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

MARGINAL GROWTH

 

HISTORY / BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

 

The Subject is principally engaged in the (as a / as an) investment holding.


 

The immediate and ultimate holding company of the Subject is KARAM CHAND THAPAR & BROS. (COAL SALES) LTD., a company incorporated in INDIA.

 

Share Capital History

Date

Issue & Paid Up Capital

07/05/2014

USD 2,800,001.00

 

The major shareholder(s) of the Subject are shown as follows :


Name

Address

IC/PP/Loc No

Shareholding

(%)

KARAM CHAND THAPAR & BROS. (COAL SALES) LTD.

THAPAR HOUSE, 25, BRABOURNE ROAD. KOLKATA, WB 700001, INDIA.

T11UF3190

2,800,001.00

100.00

---------------

------

2,800,001.00

100.00

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

=====

+ Also Director

 

The Subject's interest in other companies (Subsidiaries/Associates) are shown as follow :



Local No

Country

Company

(%)

As At

INDONESIA

PT. KCT INTERNATIONAL

99.80

31/03/2013

SG1000

SINGAPORE

KCT PARAM ENERGY PTE. LTD.

60.00

31/03/2013

 

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

VIRENDRA KUMAR ARORA

Address

:

22, NAVRANG 10/1, ALIPORE PARK PLACE KOLKATA-27, INDIA.

IC / PP No

:

J1561485

Nationality

:

INDIAN

Date of Appointment

:

02/05/2012

 

DIRECTOR 2

 

Name Of Subject

:

EDDIE TEOH SIAH HAI

Address

:

2, MARSHALL ROAD, 424838, SINGAPORE.

IC / PP No

:

S0616955D

Nationality

:

SINGAPOREAN

Date of Appointment

:

01/07/2012

 

DIRECTOR 3

 

Name Of Subject

:

MANOJ KUMAR JAIN

Address

:

20/1, CHELTA ROAD, 13B, DIAMOND HEIGHTS, KOLKATA, 700027, WEST BENGAL, 13TH FLOOR, INDIA.

IC / PP No

:

G1100330

Nationality

:

INDIAN

Date of Appointment

:

06/12/2013



MANAGEMENT

 

 

 

1)

Name of Subject

:

VIRENDRA KUMAR ARORA

Position

:

DIRECTOR

 

2)

Name of Subject

:

CATHERINE

Position

:

STAFF

 

 

AUDITOR

 

Auditor

:

ROBIN CHIA & CO.

Auditor' Address

:

N/A

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

TAY CHEE WAH

IC / PP No

:

S6968275H

Address

:

1, BEDOK SOUTH AVENUE 1, 09 - 921, 460001, SINGAPORE.

 

2)

Company Secretary

:

MS. CHAN WAN MEI

IC / PP No

:

S7268474E

Address

:

577, PASIR RIS STREET 53, 06-96, 510577, SINGAPORE.

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

DEUTSCHE BANK AKTIENGESELLSCHAFT

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C201206617

19/06/2012

N/A

DEUTSCHE BANK AKTIENGESELLSCHAFT

-

Unsatisfied

 

 

LEGAL CHECK AGAINST SUBJECT


* A check has been conducted in our databank against the Subject whether the subject has been involved in any litigation. 

No legal action was found in our databank. 

No winding up petition was found in our databank. 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A


The staff from the registered office refused to disclose the Subject's suppliers. 

The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

 

 

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

]

Good 31-60 Days

[

X

]

Average 61-90 Days

[

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 


CLIENTELE

 

Local

:

N/A

Overseas

:

N/A


The staff from the registered office refused to disclose the Subject's clientele. 

 

OPERATIONS

 

Services

:

INVESTMENT HOLDING

 

Branch

:

NO

 

Other Information:

The Subject is principally engaged in the (as a / as an) investment holding. 

The staff from the registered office refused to disclose the Subject's operation. 

CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-62363333

Match

:

N/A

Address Provided by Client

:

1 RAFFLES PLACE, #44-02 ONE RAFFLES PLACE, SINGAPORE 048616

Current Address

:

80, ROBINSON ROAD, 02-00, 068898, SINGAPORE.

Match

:

NO

 

Other Investigations


we contacted one of the staff from the Subject's registered office and she only provided limited information.

She refused to disclose the Subject's number of employees.

The post code provided is incorrect.



FINANCIAL ANALYSIS

 

 

Profitability

Turnover

:

Increased

[

(0.00%)

]

Profit/(Loss) Before Tax

:

Decreased

[

(460.99%)

]

Return on Shareholder Funds

:

Unfavourable

[

2.73%

]

Return on Net Assets

:

Unfavourable

[

3.21%

]

The higher turnover could be attributed to the favourable market condition.The management had succeeded in turning the Subject into a profit making company. The profit could be due to better control of its operating costs and efficiency in utilising its resources. The unfavourable return on shareholders' funds could indicate that the Subject was inefficient in utilising its assets to generate returns.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Unfavourable

[

166 Days

]

Creditors Ratio

:

Favourable

[

0 Days

]

As the Subject is a service oriented company, the Subject does not need to keep stocks. The Subject's debtors ratio was high. The Subject should tighten its credit control and improve its collection period. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

Liquidity

Liquid Ratio

:

Favourable

[

3.96 Times

]

Current Ratio

:

Favourable

[

3.96 Times

]

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Favourable

[

13.93 Times

]

Gearing Ratio

:

Favourable

[

0.32 Times

]

The interest cover showed that the Subject was able to service the interest. The favourable interest cover could indicate that the Subject was making enough profit to pay for the interest accrued. The Subject was lowly geared thus it had a low financial risk. The Subject was mainly financed by its shareholders' funds and internally generated funds. In times of economic slowdown / downturn, the Subject being a lowly geared company, will be able to compete better than those companies which are highly geared in the same industry.

Overall Assessment :

The higher turnover had helped to reduce the Subject's losses. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. With the favourable interest cover, the Subject could be able to service all the accrued interest without facing any difficulties. The Subject as a lowly geared company, will be more secured compared to those highly geared companies. It has the ability to meet all its long term obligations.

Overall financial condition of the Subject : FAIR

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

 

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

Services

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

* Based on Index of Industrial Production (2011 = 100)

(Source : Department of Statistics)

 


INDUSTRY ANALYSIS

 

INDUSTRY :

ECONOMY

According to Ministry of Trade and Industry (MTI), the Singapore economy is expected to grow by 1.0 to 3.0% in 2013 as growth in the global economy is likely to remain subdued despite macroeconomic conditions stablising in recent months of 2013. 

However, the global economic outlook is still clouded with uncertainties. Notably, concerns remain over the extent of the fiscal cutback with the budget sequester in the US and potential flareup of the debt crisis in the Eurozone. Should any of these risks materialise, Singapore's economic growth could come in lower than expected.

Although resilient domestic demand in emerging Asia will provide some support to global demand, it will not fully mitigate the effects of an economic slowdown in the advanced economies. Consequently, Singapore's externally-oriented sectors such as electronics and wholesale trade will continue to perform poorly, while the financial services sector will be affected by heightened uncertainties in the external environment. Nevertheless, there will be some modest support to growth from the biomedical manufacturing cluster and tourism-related sectors. The former will likely see increased production of active pharmaceutical ingredients and biologics while the latter will benefit from rising visitor arrivals from the region.

For the whole of 2012, Singapore's GDP growth slowed to 1.3%, from 5.2% in 2011, mainly due to weakness in the externally-oriented sectors. Manufacturing sector growth slowed sharply from 7.8% in the year 2011 to 0.1%. The hudge decline was largely due to a rebound in the output of the biomedical manufacturing and transport engineering clusters, which together helped to mitigate part of the fall in output in the electronics cluster. By contrast, the construction sector growth accelerated from 6.3% to 8.2% in 2012, due to the expansion in both public and private building activities. 

Growth in the services producing industries also moderated to 1.2% in 2012, compared to 4.6% in 2011. This was mainly due to the slowdown in wholesale and retail trade, accommodation and food services as well as other services industries. In particular, the wholesale and retail trade sector contracted by 0.7%, compared to the 1.6% growth in year 2011. The accommodation and food services as well as other services industries posted lower gains of 2.8% and 0.1% respectively, compared to 8.2% and 6.3% in 2011. 

For the whole of 2012, all sectors, except the wholesale and retail trade, contributed to growth. Business services was the largest contributor with 0.4 percentage-points, followed by construction with 0.3 percentage-points and transportation and storage at 0.2 percentagepoints. Besides, growth in total demand moderated to 2.4%, compared to 4.2% in 2011. Domestic demand was the key contributor to total demand growth, accounting for 2.2 percentage-points, or over 90 per cent, of the increase.

In 2012, total domestic demand rose by 9.7%, following the 6.5% increase in 2011. The growth in total domestic demand was broad-based across consumption, gross fixed capital formation (GFCF) and changes in inventories. The total consumption expenditure in 2012 grew slightly by 0.9%, easing from the 3.7% growth in 2011. Public consumption expenditure fell by 3.6%, reversing the 0.5% growth in 2011. Private consumption expenditure registered a 2.2% gain, moderating from the 4.6% increase in the preceding year.

Overall, the Singapore economy is expected to grow by 1.0 to 3.0% in 2013.

OVERALL INDUSTRY OUTLOOK : MARGINAL GROWTH

 

CREDIT RISK EVALUATION & RECOMMENDATION

 

 

Incorporated in 2011, the Subject is a Private Limited company, focusing on investment holding. The Subject has been in business for 3 years and it has slowly been building up contact with its clients while competing in the industry. However, having strong support from its holding company has enabled the Subject to remain competitive despite the challenging business environment. The capital standing of the Subject is fair. With an adequate share capital, the Subject has the potential of expanding its business in future. 

Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject. 

We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. The Subject has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. The Subject however is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a lowly geared company, the Subject is exposed to low financial risk as it is mainly dependent on its internal funds to finance its business needs. Given a positive net worth standing at USD 2,855,453, the Subject should be able to maintain its business in the near terms. 

Overall, the Subject's payment habit is good as the Subject has a good credit control and it could be taking advantage of the cash discounts while maintaining a good reputation with its creditors. 

The industry has reached its maturity stage and only enjoying a marginal growth. The steady growth of the country's economy will further enhance the industry activities. Thus, the Subject's future performance is very much depend on its marketing strategies in order to retain its position in the market. 

Based on the above condition, we recommend credit be granted to the Subject normally.

 

 

PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

KCT GLOBAL PTE. LTD.

 

Financial Year End

2013-03-31

2012-03-31

Months

12

8

Consolidated Account

GROUP

GROUP

Audited Account

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

Financial Type

FULL

FULL

Currency

USD

USD

TURNOVER

123,802

-

Other Income

202,111

-

----------------

----------------

Total Turnover

325,913

-

----------------

----------------

PROFIT/(LOSS) FROM OPERATIONS

85,173

(23,594)

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

85,173

(23,594)

Taxation

(7,127)

-

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

78,046

(23,594)

Minority interests

(24)

24

----------------

----------------

PROFIT/(LOSS) BEFORE EXTRAORDINARY ITEMS

78,022

(23,570)

----------------

----------------

PROFIT/(LOSS) ATTRIBUTABLE TO SHAREHOLDERS

78,022

(23,570)

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

(23,570)

-

----------------

----------------

As restated

(23,570)

-

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

54,452

(23,570)

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

54,452

(23,570)

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

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

Others

6,587

-

----------------

----------------

6,587

-

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

 

 

 

BALANCE SHEET

 

 

KCT GLOBAL PTE. LTD.

 

Trade debtors

56,302

-

Other debtors, deposits & prepayments

518,912

-

Interest receivable

36,811

-

Amount due from director

1,000

1,000

Cash & bank balances

16,504

21,066

Others

3,190,957

-

----------------

----------------

TOTAL CURRENT ASSETS

3,820,486

22,066

----------------

----------------

TOTAL ASSET

3,820,486

22,066

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

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

Other creditors & accruals

18,479

4,671

Short term borrowings/Term loans

927,348

-

Amounts owing to holding company

7,137

39,988

Amounts owing to director

4,942

-

Provision for taxation

7,127

-

----------------

----------------

TOTAL CURRENT LIABILITIES

965,033

44,659

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

2,855,453

(22,593)

----------------

----------------

TOTAL NET ASSETS

2,855,453

(22,593)

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

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

SHARE CAPITAL

Ordinary share capital

2,800,001

1

----------------

----------------

TOTAL SHARE CAPITAL

2,800,001

1

Retained profit/(loss) carried forward

54,452

(23,570)

----------------

----------------

TOTAL RESERVES

54,452

(23,570)

MINORITY INTEREST

1,000

976

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

2,855,453

(22,593)

----------------

----------------

2,855,453

(22,593)

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

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

 

 

 

FINANCIAL RATIO

 

 

KCT GLOBAL PTE. LTD.

 

TYPES OF FUNDS

Cash

16,504

21,066

Net Liquid Funds

16,504

21,066

Net Liquid Assets

2,855,453

(22,593)

Net Current Assets/(Liabilities)

2,855,453

(22,593)

Net Tangible Assets

2,855,453

(22,593)

Net Monetary Assets

2,855,453

(22,593)

BALANCE SHEET ITEMS

Total Borrowings

927,348

0

Total Liabilities

965,033

44,659

Total Assets

3,820,486

22,066

Net Assets

2,855,453

(22,593)

Net Assets Backing

2,855,453

(22,593)

Shareholders' Funds

2,855,453

(22,593)

Total Share Capital

2,800,001

1

Total Reserves

54,452

(23,570)

LIQUIDITY (Times)

Cash Ratio

0.02

0.47

Liquid Ratio

3.96

0.49

Current Ratio

3.96

0.49

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

Debtors Ratio

166

0

Creditors Ratio

0

0

SOLVENCY RATIOS (Times)

Gearing Ratio

0.32

0.00

Liabilities Ratio

0.34

(1.98)

Times Interest Earned Ratio

13.93

0.00

Assets Backing Ratio

1.00

1.00

PERFORMANCE RATIO (%)

Operating Profit Margin

68.80

0.00

Net Profit Margin

63.02

0.00

Return On Net Assets

3.21

104.43

Return On Capital Employed

3.21

109.15

Return On Shareholders' Funds/Equity

2.73

104.32

Dividend Pay Out Ratio (Times)

0.00

0.00

NOTES TO ACCOUNTS

Contingent Liabilities

0

0




FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.99

UK Pound

1

Rs.101.75

Euro

1

Rs.83.48

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

MNL

 

 

RATING EXPLANATIONS

 

RATING

STATUS

 

PROPOSED CREDIT LINE

>86

Aaa

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

 

Unlimited

71-85

Aa

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

 

Large

56-70

A

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

 

Fairly Large

41-55

Ba

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

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

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

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

Credit not recommended

--

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.