MIRA INFORM REPORT

 

 

Report Date :

24.05.2014

 

IDENTIFICATION DETAILS

 

Name :

ADDA CORP.

 

 

Registered Office :

No.6, East Section, Industry 6 Road, Pingtung City, Pingtung County 900

 

 

Country :

Taiwan

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

19.07.1978

 

 

Com. Reg. No.:

90724033

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

Manufacturing and sales of electronic products

 

 

No of Employees :

About 270 Employees

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

Slow But Correct

 

 

Litigation :

Clear

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

 

ECGC Country Risk Classification List – September 30, 2013

 

Country Name

Previous Rating

(30.09.2013)

Current Rating

(01.12.2013)

Taiwan

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

 


 

TAIWAN - ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are other major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, and following the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010, Taiwan in July 2013 signed a free trade deal with New Zealand—Taipei’s first-ever with a country with which it does not maintain diplomatic relations—and in November inked a trade pact with Singapore. Negotiations continue on follow-on components of ECFA regarding trade in goods and a dispute resolution mechanism; a trade in services agreement is under review in the legislature. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 11.2% of the island's total population as of 2012. The island runs a large overall trade surplus largely because of its surplus with China, and its foreign reserves are the world's sixth largest, behind China, Japan, Saudi Arabia, Russia, and Switzerland. In 2006 China overtook the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Taiwan since 2009 has gradually loosened rules governing Chinese investment on the island, and has also secured greater market access for its investors in the mainland. In August 2012, Taiwan Central Bank signed a memorandum of understanding on cross-Strait currency settlement with its Chinese counterpart. The MOU allows for the direct settlement of Chinese RMB and the New Taiwan dollar across the Strait, which could help develop Taiwan into a local RMB hub. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

 

Source : CIA

 

 


Contact Points

 

Company Name:

ADDA Corp.

Supplied Name:

ADDA CORPORATION

Trading Address:

35 F, No.38, Singuang Road, Ling Ya District, Kaohsing City, Taiwan (R.O.C)

Supplied Address:

NO 6 EAST SECTION INDUSTRY 6 ROAD PING TUNG CITY

Telephone Number:

+886-7-269-5166

Fax Number:

+886-7-269-5366

E-mail:

adda@adda.com.tw

Website:

www.adda.com

 

Notes: The exact name and address are as above and the supplied address belongs to subject’s Pingtung factory.

 

Credit Summary

 

Credit Opinion:

Business connections are permissible.

Risk Analysis:

Good creditworthiness

 

Company Identification Details

 

Registered Name:

ADDA Corp.

Registered Address:

No.6, East Section, Industry 6 Road, Pingtung City, Pingtung County 900, Taiwan, R.O.C.

Date of Foundation:

1978-7-19

Registration Number:

90724033

Registry:

Department of Commerce, Ministry of Economic Affairs, R.O.C.

Registered Capital:

NTD 2,400,000,000 (USD 81,600,000)

(As of 2014.05, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 1,460,678,760 (USD 49,663,078)

Legal Representatives:

Ruiyi Huang

Legal Form:

Joint Stock Company

Principal Activities:

Manufacturing and sales of electronic products, etc

Staff:

About 270 Employees (Taiwan)

Listed at Stock Exchange:

Yes; Stock Symbol: 3071

Date of Last Annual Return:

2014-1-8

 

History

 

Subject was incorporated on 1978-7-19 with registered number 90724033 as Joint Stock Company in Taiwan.

 

Subject listed on Taiwan Over-The-Counter Securities Exchange on 2004-12-30.

 

Shareholders

 

Name

Subscription Shares

Kang Xun Co., Ltd. (Literal Translation)

27,952,223

Zhi Rong Zaizao Consultant Co., Ltd. (Literal Translation)

7,279

Ya Da Investment and Development Co., Ltd. (Literal Translation)

6,756,884

China Development and Investment Co., Ltd. (Literal Translation)

7,267,810

Hua Sheng Venture Capital Co., Ltd.

4,199,560

 

The information above is that of subject’s major shareholders.

 

Shareholder Information

1

Registered Name:

Kang Xun Co., Ltd. (Literal Translation)

Registered Address:

1/F., No.20, Lane 21 Ba-de Road, Douliu City, Yunlin County, Taiwan

Date of Foundation:

2008-2-27

Registration Number:

28933209

Registry:

MOEA Central Office

Registered Capital:

NTD 60,000,000 (USD 2,040,000)

(As of 2014.05, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 60,000,000 (USD 2,040,000)

Legal Representatives:

Ruiyi Huang

Legal Form:

Joint Stock Company

Date of Last Annual Return:

2013-3-11

2

Registered Name:

Zhi Rong Zaizao Consultant Co., Ltd. (Literal Translation)

Registered Address:

7th Floor, No.122, Dunhua North Road, Songshan District, Taipei City, Taiwan

Date of Foundation:

2005-5-12

Registration Number:

27723802

Registry:

Taipei City Government

Registered Capital:

NTD 1,000,000 (USD 34,000)

(As of 2014.05, 1 NTD = 0.0340 USD)

Legal Representatives:

Lida Lv

Legal Form:

Private Limited Liabilities Company

Date of Last Annual Return:

2006-8-10

3

Registered Name:

Ya Da Investment and Development Co., Ltd. (Literal Translation)

Registered Address:

11/F-3, No.55, Zhongzheng 3rd Road, Xinxing District, Kaohsiung City, Taiwan

Date of Foundation:

1999-9-3

Registration Number:

16813051

Registry:

Economic Development Board of Kaohsiung City Government

Registered Capital:

NTD 70,000,000 (USD 2,380,000)

(As of 2014.05, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 70,000,000 (USD 2,380,000)

Legal Representatives:

Xinmao Xie

Legal Form:

Joint Stock Company

Date of Last Annual Return:

2013-12-27

4

Registered Name:

China Development and Investment Co., Ltd. (Literal Translation)

Registered Address:

11th Floor, No.125, Sec 5, Nanjing East Road, Songshan District, Taipei City, Taiwan

Date of Foundation:

2002-3-5

Registration Number:

80328870

Registry:

Department of Commerce, Ministry of Economic Affairs, R.O.C.

Registered Capital:

NTD 9,255,380,000 (USD 314,682,920)

(As of 2014.05, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 6,086,713,630 (USD 206,948,263)

Legal Representatives:

Daren Zhou

Legal Form:

Joint Stock Company

Date of Last Annual Return:

2013-10-7

5

Registered Name:

Hua Sheng Venture Capital Co., Ltd.

Registered Address:

Room 3201, 32/ F., No.333, Sec 1, Keelung Road, Xinyi District, Taipei City, Taiwan

Date of Foundation:

2004-3-2

Registration Number:

27232600

Registry:

Department of Commerce, Ministry of Economic Affairs, R.O.C.

Registered Capital:

NTD 2,000,000,000 (USD 68,000,000)

(As of 2014.05, 1 NTD = 0.0340 USD)

Paid-up Capital:

NTD 899,640,000 (USD 30,587,760)

Legal Representatives:

Zongyong Lin

Legal Form:

Joint Stock Company

Date of Last Annual Return:

2014-2-6

 

Subsidiaries & Branches

 

Factories

1

Name

Pingtung Factory

Address

No.6, East Section Industrial 6th Road, Pingtung City, Pingtung County, Taiwan (R.O.C)

Telephone Number

+886-8-755-0579

Fax Number

+886-8-753-2815

Date of Foundation:

1985-12-12

Date of Registration:

1987-1-26

Factory Registration Number:

99665923

Factory Manager:

Zhilong He

Status:

In Production

Date of Last Annual Return:

2013-9-9

Major Products:

264 photoelectric material and component

269 other electronic components

313 bicycle and its parts

2

Name

Xingwang Factory

Address

Bldg 10, The Third Industrial Zone, Wanfeng Village, Shajing Town, Baoan District, Shenzhen City, Guangdong Province, China

Telephone Number

+86-755-2723-0759

Fax Number

+86-755-2723-0754

3

Name

Gaojing Factory

Address

98 Industrial City, Wanfeng Village, Shajing Town, Baoan District, Shenzhen City, Guangdong Province, China

Telephone Number

+86-755-2985-1308

Fax Number

+86-755-2985-1108

4

Name

Kunshan Factory

Address

No.88, Fengjiang Road, Zhangpu Town, Kunshan City, Jiangsu Province, China

Telephone Number

+86-512-5745-1127

Fax Number

+86-512-57451146

 

Office

 

Name

Taipei Office

Address

9Fl-6, No.81,Sec.1, Hsin-Tai 5th Road , Sijhih District, New Taipei City, Taiwan (R.O.C)

Telephone Number

+886-2-2698-0277

Fax Number

+886-2-2698-0295

 

R&D Centre

 

Address

10F-7, No.77, Sec.1, Hsin-Tai 5th Road , Sijhih District, New Taipei City, Taiwan (R.O.C)

Telephone Number

+886-2-8698-4160

Fax Number

+886-2-8698-4222

 

Related Company

 

Name

Warburg Branch Trade (Shenzhen) Co., Ltd.

Address

Room 1101-1102, 11th Floor, Xingji Building, Xinsha Road, Shajing Street, Shenzhen City, Guangdong Province, China

Telephone Number

+86-755-2988-3085

 

Personnel Information

 

Core Management

 

Directors

1

Name

Rongjie Xu

Position

Board Chairman

2

Name

Lida Lv

Position

Director

3

Name

Shoucan Chen

Position

Director

4

Name

Zhenghong Cai

Position

Director

5

Name

Xinmao Xie

Position

Director

6

Name

Yanzuo Lu

Position

Director

7

Name

Songtian Guan

Position

Director

8

Name

Shoujun Xu

Position

Independent Director

9

Name

Xiangru Liao

Position

Supervisor

10

Name

Guangyu Yang

Position

Supervisor

11

Name

Zhaoxiong Lin

Position

Manager

Date of Appointment

2012-1-1

 

Personnel Structure

 

Total Employees

About 300 Employees (Taiwan)

 

Operation Information

 

Offices & Factories

 

 

Headquarters

Add

35 F, No.38, Singuang Road, Ling Ya District, Kaohsing City, Taiwan (R.O.C)

 

Production Information

 

l         Subject is engaged in manufacturing of electronic products, etc.

l         Subject has factories in Taiwan and Mainland China for production.

l         Subject obtained the certifications of ISO 9001, ISO 9002, ISO 14001, QS 9000 and OHSAS 18001, etc.

 

Purchase Information

 

l         The registered activities of subject:

Business Code

Details

C805030

Manufacturing of plastic daily necessities

C805050

Manufacturing of industrial plastic products

C805990

Manufacturing of other plastic products

CC01030

Manufacturing of electrical equipment and audio-visual electronic products

CC01040

Manufacturing of lighting equipment

CC01060

Manufacturing of wire communication machinery

CC01110

Manufacturing of computer and office equipment

CC01990

Manufacturing of other electrical machine and electronic machinery

CE01030

Manufacturing of optical instrument

CQ01010

Manufacturing of mould

F113020

Wholesale of electrical equipment

F113070

Wholesale of telecommunications equipment

F213010

Retail of electrical equipment

F213060

Retail of telecommunications equipment

ZZ99999 

Besides licensed business, all other business items those are not banned or restricted.

 

l         The components for production are mostly purchased in domestic market.

 

Sales Information

 

l         Subject is engaged in sales of electronic products, etc, etc.

l         The major produces sold by subject include CPU cooler modules, blower fans, DC axial-flow/blower fans and AC axial-flow fans, etc.

l         The products are applied to computer, DVD and motor, etc.

l         Subject has their own brand “ADDA”.

l         Subject’s major customers include Qualtek Electronics Corp, “HP”, “AIWA”, “SIEMENS”, “COMPAQ”, “QUANTA”, “ACER”, “SONY”, “IBM”, “SAMSUNG”, “HITACHI”, “MICROSOFT” and “ASUS”, etc.

 

 

Settlements

 

Purchase

 

Domestic Purchase

Product

Terms

Proportion

Components

T/T, etc

100%

 

Foreign Purchase

 

Subject has little import.

 

Sales

 

Domestic Markets

Product

Terms

Proportion

Electronic products, etc

T/T, etc

100%

 

Export

Product

Terms

Proportion

Electronic products, etc

L/C, T/T, etc

100%

 

Balance Sheet

Unit: NTD/000

 

2012-12-31

2011-12-31

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

508,825.00

517,280.00

Available-for-sale financial assets- current

720.00

232.00

Notes receivable - net

5,250.00

11,148.00

Accounts receivable - net

485,820.00

751,606.00

Accounts receivable - related parties - net

74,458.00

32,127.00

Other financial assets-current

5,119.00

1,613.00

Inventories

29,737.00

114,196.00

Other current assets

33,364.00

135,203.00

Current assets

1,143,293.00

1,563,405.00

Financial assets measured at fair value through profit or loss - non current

3,058.00

3,058.00

 Long-term equity investment under equity method

1,264,783.00

1,336,800.00

Investments

1,264,783.00

1,336,800.00

Accumulated impairment - investments

-3,758.00

-3,758.00

Funds and investments

1,264,083.00

1,336,100.00

Fixed Assets

167,222.00

166,972.00

Cost

66,588.00

66,289.00

Transportation equipment

4,770.00

4,770.00

Lease improvement

721.00

1,559.00

Other facilities

38,895.00

38,422.00

Cost of fixed assets

322,847.00

322,663.00

Accumulated depreciation

-147,774.00

-138,382.00

Accumulated impairment-fixed assets

-12,950.00

-12,950.00

Construction in process and prepayment for equipments

2,324.00

0.00

Fixed assets

164,447.00

171,331.00

Intangible Assets

 

 

Trademark right

646.00

576.00

Computer software cost

12,077.00

14,087.00

Intangible Assets

12,723.00

14,663.00

Other Assets

 

 

Guarantee deposits paid

4,765.00

4,296.00

Long-term notes receivable and payment–related parties

145,995.00

144,196.00

 Deferred income tax assets-non current

11,681.00

29,164.00

Other assets-other

2,896.00

0.00

Other assets

165,337.00

177,656.00

Assets

2,749,883.00

3,263,155.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Short-term borrowing

93,668.00

67,128.00

Notes payable

318.00

3,723.00

Accounts payable

185,118.00

346,719.00

Accounts payable - related parties

438,410.00

379,780.00

Income tax payable

8,114.00

9,052.00

Accrued expenses

43,377.00

78,277.00

Other payables

14,441.00

15,774.00

Long-Term Liabilities -Current Portion

0.00

295,200.00

Other current liabilities

14,926.00

20,121.00

Current liabilities

798,372.00

1,215,774.00

Long-term Liabilities

 

 

Bonds payable

0.00

0.00

Long-term loan

20,000.00

0.00

Long-term liabilities

20,000.00

0.00

Reserves

 

 

Other Liabilities

 

 

Pension reserve / accrued pension liability

19,616.00

18,699.00

Guarantee deposits received

62.00

62.00

Other liabilities

19,678.00

18,761.00

Liabilities

838,050.00

1,234,535.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

1,827,718.00

1,846,168.00

Capital Surplus

 

 

Capital surplus–share premium

19,438.00

19,072.00

Capital surplus–treasury stock trading

2,791.00

0.00

Capital surplus - subscription right

0.00

562.00

Capital surplus

22,229.00

19,634.00

Retained Earnings

 

 

Legal reserve

7,878.00

0.00

Unappropriated retained earnings

38,738.00

78,784.00

Retained earnings

46,616.00

78,784.00

Stockholders' Equity and Other adjustment

 

 

Cumulative translation adjustments

42,510.00

84,034.00

Treasury stock

-27,240.00

0.00

Stockholders' equity and other adjustment

15,270.00

84,034.00

Stockholders-equity

1,911,833.00

(USD 65,002,322.00)

2,028,620.00

(USD 68,973,080.00)

Number of treasury stock acquired by the company and subsidiaries (unit: share)

3,805,000.00

0.00

Equivalent shares of outstandings of advance receipts for common stock (Unit: share)

0.00

0.00

(As of 2014.05, 1 NTD = 0.0340 USD)

 

Profit and Loss Account

Unit: NTD/000

 

2012

2011

Sales

2,292,597.00

(USD 77,948,298.00)

2,922,293.00

(USD 99,357,962.00)

Sales returns

7,561.00

18,048.00

Sales discounts

7,732.00

8,072.00

Sales

2,277,304.00

2,896,173.00

Operating income

2,277,304.00

2,896,173.00

Operating costs

1,910,909.00

2,439,492.00

Gross profit (loss) from operations

366,395.00

456,681.00

Unrealized gains on intercompany transactions

10,343.00

9,571.00

Realized gains on intercompany transactions

9,571.00

5,312.00

Selling expense

89,549.00

111,480.00

General and administrative expenses

104,372.00

130,119.00

Research and development expenses

96,971.00

115,963.00

Operating expenses

290,892.00

357,562.00

Operating income (loss)

74,731.00

94,860.00

Non-Operating Income

 

 

Interest income

1,495.00

851.00

Investment income

0.00

23,128.00

Foreign exchange gains

0.00

13,176.00

Rental income

320.00

355.00

Valuation gain on financial assets

488.00

0.00

Miscellaneous income

20,686.00

4,160.00

Non-operating revenues and gains

22,989.00

41,670.00

Non-Operating Expenses

 

 

Interest expenses

4,467.00

11,143.00

Investment losses

50,035.00

0.00

Loss on disposal of fix assets

273.00

269.00

Foreign exchange losses

7,154.00

0.00

Impairment loss

0.00

3,758.00

Valuation loss on financial assets

0.00

10,633.00

 Miscellaneous disbursements

16.00

3,067.00

Non-operating expenses and losses

61,945.00

28,870.00

Income from continuing operations before income tax

35,775.00

107,660.00

Income tax expense (benefit)

31,007.00

25,793.00

Income from continuing operations

4,768.00

81,867.00

Net income (loss)

4,768.00

(USD 162,112.00)

81,867.00

(USD 2,783,478.00)

Primary Earnings per Share

 

 

Primary earnings per share

0.03

0.44

Diluted earnings per share

 

 

Diluted earnings per share

0.03

0.44

         (As of 2014.05, 1 NTD = 0.0340 USD)

 

Cash Flows

Unit: NTD/000

 

2012

2011

Cash Flows from Operating Activities - Indirect Method

 

 

Net Income (Loss)

4,768.00

81,867.00

Adjustments to Reconcile Net Income to Net Cash Provided by (Used in) Operating Activities

 

 

Depreciation Expense

11,530.00

11,523.00

Selling Expense

10,434.00

25,791.00

Provision for Bad Debt

-7,775.00

7,049.00

Bond Payable Discount (Premium) Amortization

360.00

2,146.00

Loss (Gain) on Decline (Recovery) in Market Value, Scrap and Obsolescence of Inventories

1,300.00

-1,717.00

Investment Loss (Income) Recognized under Equity Method

50,035.00

-23,128.00

Loss (Gain) on Disposal of Property, Plant and Equipment

273.00

269.00

Impairment Loss on Non-financial Assets

0.00

3,758.00

Other Adjustments to Reconcile Net Income

0.00

-128.00

Changes in Operating Assets and Liabilities

 

 

Loss (Gain) on Trading Financial Assets

-488.00

10,633.00

Decrease (Increase) in Notes Receivable

5,898.00

6,374.00

Decrease (Increase) in Accounts Receivable

273,561.00

-75,308.00

Decrease (Increase) in Accounts Receivable - Related Parties

-42,331.00

-4,238.00

Decrease (Increase) in Inventories

83,159.00

27,242.00

Decrease (Increase) in Other Current Assets

-2,839.00

2,877.00

Decrease (Increase) in Other Financial Assets

-3,506.00

1,705.00

Decrease (Increase) in Deferred Income Tax Assets

22,344.00

13,663.00

Increase (Decrease) in Notes Payable

-3,405.00

633.00

Increase (Decrease) in Accounts Payable

-161,601.00

-68,941.00

Increase (Decrease) in Accounts Payable - Related Parties

58,630.00

87,309.00

Increase (Decrease) in Income Tax Payable

-938.00

-8,047.00

Increase (Decrease) in Accrued Expenses

-34,900.00

-5,327.00

Increase (Decrease) in Other Accrued Expenses

-1,333.00

-433.00

Increase (Decrease) in Other Current Liabilities

-5,967.00

5,995.00

Increase (Decrease) in Accrued Pension Liabilities

917.00

704.00

Increase (Decrease) in Deferred Credit

772.00

4,259.00

Net Cash Provided by (Used in) Operating Activities

258,898.00

106,530.00

Cash Flows from Investing Activities

 

 

Increase in Long-term Investments at Equity

-19,711.00

-244,904.00

Purchase of Property, Plant and Equipment

-6,842.00

-3,366.00

Proceeds from disposal of fixed assets

1,923.00

0.00

Decrease (Increase) in Refundable Deposits

-469.00

479.00

Other Receivables - Decrease (Increase) in Related Parties

-1,799.00

167,624.00

Increase (Decrease) in Restricted Assets

90,072.00

-8,303.00

Purchase of Intangible Assets

-2,113.00

-9,974.00

Increase (Decrease) in Other Assets

625.00

460.00

Net Cash Provided by (Used in) Investing Activities

61,686.00

-97,984.00

Cash Flows from Financing Activities

 

 

Increase (Decrease) in Short-term Loans

26,540.00

-1,421.00

Bonds Redeemed

-222,900.00

0.00

long-term Loans Borrowed

0.00

5,727.00

Long-term Loans Redeemed

-52,660.00

0.00

Increase (Decrease) in Guarantee Deposits Received

0.00

62.00

Cash Dividends Paid

-36,924.00

0.00

Cost of Treasury Stock

-43,095.00

0.00

Net Cash Provided by (Used in) Financing Activities

-329,039.00

4,368.00

Exchange Influence

0.00

0.00

Net Increase (Decrease) in Cash and Cash Equivalents

-8,455.00

12,914.00

Cash and Cash Equivalents, Beginning of year

517,280.00

504,366.00

Cash and Cash Equivalents, End of year

508,825.00

517,280.00

Supplemental Cash Flow Information

 

 

Interest Paid - Excluding Capitalized Interest

10,717.00

2,365.00

Income Tax Paid

9,601.00

20,177.00

Non-cash Investing and Financing Activities

 

 

Long-Term Liabilities -Current Portion

0.00

72,660.00

Bonds Payable -Current Portion

0.00

222,540.00

Corporate Bonds Transfer Common Share

0.00

495.00

Cumulative Translation Adjustment

-41,681.00

95,597.00

Shareholders' Equity Transfer Capital Surplus

-12.00

0.00

 

Bankers

 

Subject declined to disclose its bank details; from other source we cannot obtain the relevant information, either.

 

Public Record

 

Mortgage

 

No chattel mortgage record of subject has been found within the recent 3 months.

 

Lawsuit

 

Up to date of reporting, no existing or latent litigation of the subject has been found.

 

 

Interview Details

 

Department

Sales Department

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs. 58.48

UK Pound

1

Rs. 98.67

Euro

1

Rs. 79.80

 

 

INFORMATION DETAILS

 

Analysis Done by :

KRN

 

 

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

--

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.