MIRA INFORM REPORT

 

 

Report Date :

28.05.2014              

 

IDENTIFICATION DETAILS

 

Name :

APERAM INOX SERVIÇOS BRASIL LTDA

 

 

Registered Office :

Avenida Carandai, 1115 23º. Andar – Funcionarios, 30.130-915 - Belo Horizonte/MG

 

 

Country :

Brazil

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

12.12.1951

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Distributor of Stainless Steel

 

 

No. of Employees :

217 Employee

 

 

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 :

Unknown

 

 

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)

Brazil

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

 


 

BRAZIL - ECONOMIC OVERVIEW

 

Characterized by large and well-developed agricultural, mining, manufacturing, and service sectors, and a rapidly expanding middle class, Brazil's economy outweighs that of all other South American countries, and Brazil is expanding its presence in world markets. Since 2003, Brazil has steadily improved its macroeconomic stability, building up foreign reserves, and reducing its debt profile by shifting its debt burden toward real denominated and domestically held instruments. In 2008, Brazil became a net external creditor and two ratings agencies awarded investment grade status to its debt. After strong growth in 2007 and 2008, the onset of the global financial crisis hit Brazil in 2008. Brazil experienced two quarters of recession, as global demand for Brazil's commodity-based exports dwindled and external credit dried up. However, Brazil was one of the first emerging markets to begin a recovery. In 2010, consumer and investor confidence revived and GDP growth reached 7.5%, the highest growth rate in the past 25 years. Rising inflation led the authorities to take measures to cool the economy; these actions and the deteriorating international economic situation slowed growth in 2011-13. Unemployment is at historic lows and Brazil's traditionally high level of income inequality has declined for each of the last 14 years. Brazil's historically high interest rates have made it an attractive destination for foreign investors. Large capital inflows over the past several years have contributed to the appreciation of the currency, hurting the competitiveness of Brazilian manufacturing and leading the government to intervene in foreign exchange markets and raise taxes on some foreign capital inflows. President Dilma ROUSSEFF has retained the previous administration's commitment to inflation targeting by the central bank, a floating exchange rate, and fiscal restraint.

 

Source : CIA

 

 

 


Company name

 

APERAM INOX SERVIÇOS BRASIL LTDA

 

 

ADDRESSES

 

MAIN ADDRESS:

AVENIDA CARANDAI, 1115 23º. ANDAR - FUNCIONARIOS

ZIP CODE/CITY:

30.130-915 - BELO HORIZONTE/MG

 

 

PHONE:

31 3235-0000

FAX:

31 3235-0000

E-MAIL:

flavio_jesus.jose@aperam.com

WEB SITE:

www.aperam.com

BRANCHES:

 

 

 

ADDRESS:

RUA PAPA JOÃO XXIII,1422 PORETÃO 03 - JD MANGIACAPRA

ZIP CODE/CITY:

14807-192 ARARAQUARA/SP

 

 

ADDRESS:

RODOVIA BR 381, KM,196 PORTARIA 3 - USINA ACESITA

ZIP CODE/CITY:

35180-000 TIMÓTEO/MG

 

 

REQUESTED ADDRESS:

AVENIDA MERCEDES BENZ,1420 - DISTRITO INDUSTRIAL

ZIP CODE/CITY:

13054-750 CAMPINAS/SP

PHONE:

19 3211-4800

CNPJ:

60.500.121/0013-68

STATE REGISTER:

244.687.476.111

 

 

ADDRESS:

RODOVIA PRESIDENTE DUTRA,10501 PORTÃO 02 - ROCHA SOBRINHO

ZIP CODE/CITY:

26574-751 MESQUITA/RJ

 

FURTHER TO THE ABOVE THE COMPANY ALSO HAS OTHER BRANCHES LOCATED IN: JABOATÃO DOS GUARARAPES/PE, MANAUS/AM, PIRACICABA/SP, SALVADOR/BA, SÃO JOSÉ DO RIO PRETO/SP, SÃO PAULO/SP AND TIMOTEO/MG.

 

 

LEGAL DATA

 

MAIN ACTIVITIES:

 

DISTRIBUTOR OF STAINLESS STEEL.

 

LEGAL FORM:

LIMITED LIABILITY COMPANY

 

 

INCORPORATION DATE:

12/12/1951

REGISTER DATE:

12/12/1951

BALANCE SHEET FILING DATE:

31/12

TAX CONTRIBUTOR NUMBER(CNPJ):

60.500.121/0001-24

STATE REGISTER:

687741.5150.197

 

 

SHARE CAPITAL:

R$ 468.958.093,00

 

 

BOARD OF DIRECTORS:

 

 

 

MARCELO DE ABREU MARINZEK

MANAGER

AVIV JOAQUIM BEZERRA DE MELO

MANAGER

ROGERIO GERALDO DE CARVALHO

MANAGER

FLAVIO RAFAEL ANDRADE

MANAGER

 

 

AUTHORIZED USE OF SIGNATURE

 

THE MANAGERS ARE AUTHORIZED TO SIGN ON BEHALF OF THE COMPANY.

 

SHAREHOLDERS / PARTNERS:

 

 

 

APERAM INOX AMERICA DO SUL S/A

R$ 468.958.092,00

ACESITA INTERNATIONAL LIMITED

R$ 1,00

 

AFFILIATES / SUBSIDIARIES:

 

 

 

ARCELORMITTAL BIOENERGIA LTDA

 

ACESITA CARBONO LTDA

 

COMPTECH ELETRÔNICA LTDA

 

AÇOS PLANOS DO SUL S/A

 

ACESITA PARTICIPAÇÕES LTDA

 

ACESITA EMPREENDIMENTOS LTDA

 

 

 

COMPANY'S BACKGROUND

 

THE SUBJECT WAS ESTABLISHED ON DECEMBER 12, 1951 TO BE ENGAGED IN THE SAID LINE OF BUSINESS.

 

PREVIOUS CORPORATE NAME:

 

 - CIA MERCANTIL METROPOLITANA;

 - BRASIFCO S/A.

 

ON AUGUST 2001, THE COMPANY ACESITA SERVIÇOS COMÉRCIO INDÚSTRIA PARTICIPAÇÕES LTDA TOOK OVER AMORIM S/A AÇO INOXIDAVEL AND ALTERED ITS NAME TO ARCELORMITTAL INOX BRASIL SERVICOS LTDA.

 

EARLY 2011 THE ARCELORMITTAL GROUP UNDERWENT A SPIN-OFF, IN WHICH ITS STAINLESS STEEL BUSINESS WAS SEGREGATED INTO A NEW COMPANY NAMED APPERAM.

 

IN BRAZIL, SUBJECT WAS THE STAINLESS STEEL BUSINESS BRANCH OF THE ARCELORMITTAL GROUP.

 

AS A RESULT OF THIS SPIN-OFF, ON SEPTEMBER 16, 2011 SUBJECT'S NAME WAS CHANGED FROM ARCELORMITTAL INOX BRASIL SERVICOS LTDA TO THE ABOVE-MENTIONED STYLE.

 

PARTNERS:

 

APERAM INOX AMERICA DO SUL S/A: HEADQUARTERED AT AV. GARANDAI 1115, 23º ANDAR, BELO HORIZONTE/MG, REGISTRATION # NIRE 31300042707 AND CNPJ 33.390.170/0001-89.

 

ACESITA INTERNATIONAL LIMITED: HEADQUARTERED AT CAYMAN ISLANDS, BRITISH WEST INDIS (BWI) THIRSTY IN FOURTH FLOOR, ONE CAPITAL PLACE, P.O. COX 847GT, GRANC CAYMAN  BRIST WEST (BWI, REGISTRATION # CNPJ 06.021.231/0001-68

 

FURTHER DETAILS ARE SO FAR NOT KNOWN.

 

REMARKS:

--------

 

WHEN INTERVIEWED SOURCES AT THE SUBJECT STATED THAT ARE STILL WAITING FOR AUTHORIZATION FROM THE PRINCIPALS TO PROVIDE THE DATA NECESSARY TO COMPLETE THIS REPORT.

 

A REQUEST FOR FURTHER DATA HAS BEEN SENT TO THE COMPANY. PROVIDED THE DATA REQUESTED ARE RECEIVED FROM THE SUBJECT A COMPLEMENTARY REPORT WILL BE SENT TO YOUR ATTENTION.

 

THE DATA CONTAINED HEREIN WERE OBTAINED FROM OUTSIDE SOURCES, OUR DATABASE AND OFFICIAL. NO FURTHER DATA WAS AVAILABLE WITH SEVERAL SOURCES USUALLY INVESTIGATED.

 

PUBLIC INFORMATION:

 

PROTESTS:

 

1  PROTEST,TOTAL AMOUNT R$ 1.481,99

 

DETAILS OF PROTEST:

 

NOTARY OFFICE:

DATE:

VALUE:

1º CARTORIO DE CAMPINAS/SP

20/03/2014

R$ 1.481,99

 

LAWSUITS:

 

 

 

DATE:

COURT OF LAW:

 

5

FEDERAL LAWSUITS

16/09/13

27ª VARA DE BELO HORIZONTE/MG

 

(RESEARCH DATE: 26/05/2014)

 

 

FINANCIAL INFORMATION

 

GENERAL BALANCE SHEETS AS OF 31/12/2011 AND 31/12/2010.

( FIGURES ARE IN THOUSANDS OF REAIS ).

 

ASSETS

 

 

 

CURRENT:

31/12/2011

31/12/2010

 

 

 

 

 

CASH AND BANKS

1.563

2.152

 

CLIENTS

48.903

39.277

 

INVENTORY

64.831

55.739

 

RECOVERABLE TAXES

9.507

9.237

 

DIVIDENDS RECEIVABLES

45.522

 

 

OTHER CREDITS

1.119

1.688

 

 

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

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

 

TOTAL CURRENT ASSETS

171.445

108.093

 

 

LONG-TERM RECEIVABLES:

 

 

 

 

 

 

 

RECOVERABLE TAXES

553

288

 

JUDICIAL DEPOSITS

1.751

853

 

DEFERRED TAXES

44.260

41.159

 

 

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

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

 

TOTAL LONG-TERM RECEIVABLES

46.564

42.300

 

 

FIXED ASSETS:

 

 

 

 

 

 

 

INVESTMENTS

269.393

294.910

 

FIXED ASSETS

66.435

67.047

 

INTANGIBLE

12.735

9.242

 

 

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

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

 

TOTAL FIXED ASSETS

348.563

371.199

 

 

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

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

 

TOTAL ASSETS

566.572

521.592

 

 

LIABILITIES:

 

 

 

CURRENT:

31/12/2011

31/12/2010

 

 

 

 

 

SUPPLIERS

126.898

86.094

 

SALARY, TAXES & CONTRIB.

3.332

3.694

 

TAX LIABILITIES

4.784

3.591

 

ACCOUNTS PAYABLE

3.979

3.580

 

FINANCING

3.226

1.922

 

 

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

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

 

TOTAL CURRENT LIABILITIES

142.219

98.881

 

 

LONG TERM LIABILITIES:

 

 

 

 

 

 

 

PROVISION FOR CONTINGENCIES

13.294

1.301

 

INTERCOMPANY DEBTS

25.754

22.378

 

FINANCING

7.447

12.186

 

DEFERRED TAXES

5.528

5.427

 

 

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

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

 

TOTAL LONG TERM LIABILITIES

52.023

41.292

 

 

NET EQUITY:

 

 

 

 

 

 

 

SHARE CAPITAL

238.141

238.141

 

ACCRUED PROFIT (LOSS)

1.882

16.411

 

PROFIT RESERVES

93.353

93.353

 

ADJUSTMENTS

38.954

33.514

 

 

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

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

 

TOTAL NET EQUITY

372.330

381.419

 

 

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

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

 

TOTAL LIABILITIES

566.572

521.592

 

 

 

PROFIT AND LOSS ACCOUNTS AS OF 31/12/2011 AND 31/12/2010.

(FIGURES ARE IN THOUSANDS OF REAIS ).

 

 

31/12/2011

31/12/2010

 

 

 

 

 

GROSS SALES

 

396.469

 

(-) TAXES ON SALES

 

113.428

 

 

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

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

 

NET SALES

259.073

283.041

 

(-) COST OF SOLD GOODS

237.507

272.760

 

 

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

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

 

GROSS PROFIT

21.566

10.281

 

OPERATING REVENUE (EXPENSE)

-26.070

4.371

 

FINANCIAL REVENUE(EXPENSE)

-12.948

216

 

 

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

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

 

OPERATIONAL PROFIT (LOSS)

-17.452

14.868

 

CONTRIBUTION/INCOME TAX

2.923

1.812

 

 

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

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

 

NET PROFIT (LOSS)

-14.529

16.680

 

 

RATIOS:

31/12/2011

31/12/2010

 

 

QUICK RATIO

,75

 

,53

 

 

 

CURRENT RATIO

1,21

 

1,09

 

 

 

ACCOUNTS RECEIVABLE TURNOVER

5,30

TIMES

7,21

TIMES

 

 

DAYS' SALES IN RECEIVABLES

67,95

DAYS

49,96

DAYS

 

 

INVENTORY TURNOVER

3,66

TIMES

4,89

TIMES

 

 

ACCOUNTS PAYABLE PERIOD

192,35

DAYS

113,63

DAYS

 

 

RETURN ON ASSETS

,46

TIMES

,54

TIMES

 

 

SALES TURNOVER ON NET EQUITY

,70

TIMES

,74

TIMES

 

 

NET WORTH TIE-UP

,18

 

,18

 

 

 

INDEBTEDNESS

,52

 

,37

 

 

 

EQUITY RATIO

65,72

%

73,13

%

 

 

WORKING CAPITAL RATIO

20,55

%

9,32

%

 

 

GENERAL SOLVENCY

2,92

 

3,72

 

 

 

RETURN ON NET EQUITY

-3,90

%

4,37

%

 

 

RETURN ON SALES (PROFIT MARGIN)

-5,61

%

5,89

%

 

 

GROSS PROFIT MARGIN

8,32

%

3,63

%

 

 

OPERATIONAL RESULT

-6,74

%

5,25

%

 

 

SALES TURNOVER ON LIABILITIES

1,82

TIMES

2,86

TIMES

 

 

FOREIGN CURRENCY ON ASSETS

 

 

 

 

 

 

FOREIGN CURRENCY ON LIABILITIES

 

 

 

 

 

 

 

EXCHANGE RATE:

 

 

US$ 1,00 = R$ 2,22

 - OFFICIAL RATE ON 26/05/2014

US$ 1,00 = R$ 1,87

 - OFFICIAL RATE ON 31/12/2011

US$ 1,00 = R$ 1,66

 - OFFICIAL RATE ON 31/12/2010

 

COMMENTS ON THE FINANCIAL INFORMATION:

 

FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS

 

THE FIGURES AVAILABLE SHOW A FAIR FINANCIAL STANDING. IT HAS GOOD CURRENT RATIO AND ACCEPTABLE LEVEL OF INDEBTEDNESS. ON THE OTHER HAND, IT SHOWS DROP IN SALES AND POSTED LOSS DUE TO THE HIGH INCREASE OF FINANCIAL EXPENSES.

 

REAL ESTATE:

 

NOT AVAILABLE

 

VEHICLES:

 

NOT AVAILABLE

 

MACHINES:

 

NOT AVAILABLE

 

 

INSURANCE

 

NOT AVAILABLE

 

 

BANKING REFERENCES

 

 

BRANCH/PHONE:

CITY:

BANCO ITAÚ (UNIBANCO) S/A

0107 / 31 2125-4919

TIMÓTEO/MG

BANCO DO BRASIL S/A

3308-1 / 31 3299-7940

TIMÓTEO/MG

BANCO BRADESCO S/A

2011   /  31  3217-5960

 

BANCO SAFRA S/A

02700 / 11 6097-6685

SÃO PAULO/SP

BANCO ITAU S/A

1403   /    31 3194-1365

 

BANCO SANTANDER (BRASIL) S/A

2279   /    31 3269-6823

 

 

REMARKS: IN BRAZIL THE BANKS ARE PROHIBITED BY LAW TO PROVIDE INFORMATION OR ANY KIND OF COMMENTS ABOUT THEIR CLIENTS. DUE TO THIS LAW PROHIBITION WE ARE UNABLE TO PROVIDE ANY BANKING DETAILS.

 

ACCORDING TO THE CENTRAL BANK OF BRAZIL OFFICIAL REPORT, THE COMPANY HAS NO RETURNED CHECKS UP TO DATE. (IN THE TERMS OF "CIRCULAR 1682 BRAZILIAN CENTRAL BANK"). DATE RESEARCHED: MAY 26, 2014.

 

 

ACTIVITIES COMMENTS

 

SUBJECT IS ENGAGED AS DISTRIBUTOR OF STAINLESS STEEL.

 

IMPORT AND EXPORT:

 

IMPORTS FROM:

SPAIN, GERMANY AND FRANCE.

 

EXPORTS TO:

NOT AVAILABLE.

 

MAIN CLIENTS:

 

 

 

 

 

DOMESTIC CLIENTS:

 

PHONE:

ALIANÇA METALÚRGICA S/A

 

11 2951-1607

DELAVAL LTDA

 

19 3208-1222

ELEVADORES ATLAS SCHINDLER S/A

 

21 2413-6050

IFER DA AMAZÔNIA LTDA.

 

92 3615-4545

MULTIBRAS S/A. ELETRODOMÉSTICOS

 

11 5586-6100

PANASONIC DO BRASIL LTDA

 

12 3935-9031

SADIA S/A

 

11 3649-3634

UNILEVER BESTFOODS BRASIL LTDA

 

62 4008-3607

YALE LA FONTE SISTEMAS DE SEGURANÇA LTDA.

 

11 5693-4700

 

STAFF:

 

THE COMPANY HAS: 217 EMPLOYEE(S)

 

 

CONCEPT AND FULFILMENT

 

THE SUBJECT IS A WELL-ESTABLISHED COMPANY, OPERATING SINCE 2001. IT IS ULTIMATELY CONTROLLED BY THE ARCELORMITTAL GROUP, WHICH HAS HUGE FINANCIAL POWER, THUS MAY GIVE THE SUBJECT THE NECESSARY FINANCIAL SUPPORT WHENEVER REQUIRED.

 

THE COMPANY HAS TRADE RELATIONS WITH SEVERAL SUPPLIERS IN BRAZIL. THE SUPPLIERS EXTEND CREDIT FACILITIES TO THE SUBJECT IN TERMS AND AMOUNTS ACCORDING TO THE COMPANY'S NEEDS AND SO FAR NO PAYMENT PROBLEMS ARE NOTED.

 

THE LAWSUITS REPORTED ARE NOT RELATED WITH TRADE DEBTS. THEY ARE RELATED TO TAX DEBTS THAT FOR ANY REASON THE COMPANY HAS NOT YET PAID. NEVERTHELESS WE POINT OUT THAT THE SAID LAWSUITS DO NOT AFFECT THE COMPANY’S TRADE REPUTATION.

 

THE PROTEST FOUND DOES NOT AFFECT ITS REPUTATION GIVEN THE SMALL AMOUNT INVOLVED.

 

MAIN SUPPLIERS:

 

 

 

 

 

DOMESTIC SUPPLIERS:

CITY:

PHONE:

ACESITA S/A

SÃO PAULO/SP

31 3325-4287

FIRAÇO REPRESENTAÇÕES COMERCIAIS LTDA.

MARILIA/SP

14 3454-8600

GERDAU S/A

/RS

51  373-2500

GUIDES & CIA.

CURITIBA/PR

41 3323-6220

HAGANE FACAS INDUSTRIAIS

SÃO PAULO/SP

11 6524-3887

HYDROMAQ MECÂNICA LTDA

SANTO ANDRE/SP

11 4991-8033

INOXTUBOS S/A

RIBEIRÃO PIRES/SP

11 4822-7000

MARCELO REPRESENTAÇÕES LTDA.

GOIÂNIA/GO

62 3942-2000

MG REPRESENTAÇÕES LTDA

CONTAGEM/MG

31 3555-4612

NORTON S/A

GUARULHOS/SP

11 6464-5218

PZ SERVIÇOS LTDA

RIO DE JANEIRO/RJ

21 2220-1375

RECONE REPRESENTAÇÕES LTDA.

RECIFE/PE

81 3462-6307

TÚLIOS REPRESENTAÇÕES LTDA.

PRAIA DA COSTRA/ES

27 3340-0399

USIFINE MECÂNICA D EPRECISÃO

MAUÁ/SP

11 4555-1226

VILLARES METALS S/A

/SP

19 3864-8353

 

FOREIGN SUPPLIERS:

COUNTRY:

 

ACERINOX S/A

SPAIN

 

ARCELORMITTAL STAINLESS SERVICE LUXEMBURGO S.A.

FRANCE

 

FROCH ENTREPRISE

TAIWAN

 

KNC STANLHANDEL GMBH

GERMANY

 

KRUPP NIROSTA EXPORT GMBH

GERMANY

 

MT GMBH TRADING & CONSULTING

GERMANY

 

NOVACEL

FRNCE

 

POLEG

ISRAEL

 

ROLDAN

SPANI

 

THE SURE LINK CO. LIMITED

CHINA

 

USINOR BRASIL

FRANCE

 

 

PAYMENT HISTORY:

 

8 SUPPLIERS REPORTED PAYMENTS:

   TOTAL AMOUNT:  R$ 226.394,00

 

AMOUNT OF INVOICES PAID: 18

TOTAL OF PROMPT PAYMENTS: 55,5%

TOTAL OF DELAYED PAYMENTS: 44,5%

 

HIGHEST INVOICE: R$ 100.000,00

HIGHEST CREDIT: R$ 100.000,00

 

OUTSTANDING INVOICES DUE WITHIN THE NEXT 30 DAYS:

 

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

SUPPLIERS:

INVOICES:

TOTAL AMOUNT:

DUE WITHIN 30 DAYS

1

1

R$ 10.479,71

 

 

FINAL OPINION

 

THE SUBJECT IS A WELL-ESTABLISHED COMPANY, ULTIMATELY CONTROLLED BY ARCELORMITTALGROUP. UP TO DATE IT HAS A CLEAR TRADE HISTORY AND NORMAL PAYMENT BEHAVIOUR.

 

BASED ON THE GENERAL INFORMATION AVAILABLE IT IS BELIEVED THAT GOOD TRADE RELATIONS MAY BE ESTABLISHED. CREDIT FACILITIES MAY BE EXTENDED BUT IN MODERATE AMOUNTS ONLY DUE TO THE ABSENCE OF FINANCIAL DATA.

 

DESPITE THE ABSENCE OF UPDATED FINANCIAL DATA A CREDIT LIMIT OF USD 1.000.000,00 MAY BE CONSIDERED.

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.59.06

UK Pound

1

Rs.99.61

Euro

1

Rs.80.60

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

NIT

 

               

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.