MIRA INFORM REPORT

 

 

Report Date :

07.10.2014

 

IDENTIFICATION DETAILS

 

Name :

POSCO PLANTEC CO., LTD.

 

 

Registered Office :

61, Daesong-ro 83beon-gil, Nam-gu, Pohang-si, Gyeongsangbuk-do, Korea

 

 

Country :

South Korea

 

 

Financials (as on) :

30.06.2014

 

 

Date of Incorporation :

15.06.1989

 

 

Com. Reg. No.:

610-81-08943

 

 

Legal Form :

Listed Company

 

 

Line of Business :

Manufacture of Other Structural Metal Products.

 

 

No of Employees :

1,207

 

 

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 :

Exist

 

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 – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

South Korea

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

SOUTH KOREA - ECONOMIC OVERVIEW

 

South Korea over the past four decades has demonstrated incredible growth and global integration to become a high-tech industrialized economy. In the 1960s, GDP per capita was comparable with levels in the poorer countries of Africa and Asia. In 2004, South Korea joined the trillion-dollar club of world economies, and is currently the world's 12th largest economy. Initially, a system of close government and business ties, including directed credit and import restrictions, made this success possible. The government promoted the import of raw materials and technology at the expense of consumer goods, and encouraged savings and investment over consumption. The Asian financial crisis of 1997-98 exposed longstanding weaknesses in South Korea's development model including high debt/equity ratios and massive short-term foreign borrowing. GDP plunged by 6.9% in 1998, and then recovered by 9% in 1999-2000. South Korea adopted numerous economic reforms following the crisis, including greater openness to foreign investment and imports. Growth moderated to about 4% annually between 2003 and 2007. South Korea's export focused economy was hit hard by the 2008 global economic downturn, but quickly rebounded in subsequent years, reaching 6.3% growth in 2010. The US-Korea Free Trade Agreement was ratified by both governments in 2011 and went into effect in March 2012. Throughout 2012 and 2013 the economy experienced sluggish growth because of market slowdowns in the United States, China, and the Eurozone. The administration in 2014 is likely to face the challenge of balancing heavy reliance on exports with developing domestic-oriented sectors, such as services. The South Korean economy's long term challenges include a rapidly aging population, inflexible labor market, dominance of large conglomerates (chaebols), and heavy reliance on exports, which comprise about half of GDP.

 

Source : CIA

 

 

 

 


Basic Information

 

Company Name

POSCO PLANTEC CO., LTD.

(Ex. Company Name : SUNG JIN GEOTEC CO., LTD., “성진지오텍()”)

(Korean Company Name : “()포스코플랜텍)”)

Registered Address

61, Daesong-ro 83beon-gil, Nam-gu, Pohang-si, Gyeongsangbuk-do, Korea

Building

 

Zip Code

790-714

Tel

+82-54-279-7114

Fax

+82-54-279-7999

E-mail

j550217@sgtkor.com

Website

www.sgtkor.com

Trading Address

61, Daesong-ro 83beon-gil, Nam-gu, Pohang-si, Gyeongsangbuk-do, Korea

(Old Address System : 322-4, Jangheung-dong, Nam-gu, Pohang-si, Gyeongsangbuk-do, Korea)

Tel

+82-54-279-7114

Fax

+82-54-279-7999

Other Address-1st Factory

6, Yongyeon-ro, Nam-gu, Ulsan, Korea

(Old Address System : 20-1, Seongam-dong, Nam-gu, Ulsan, Korea)

Tel

+82-52-703-5805

Fax

+82-52-703-6944

Other Address-2nd Factory

658, Dangwol-ro, Onsan-eup, Ulju-gun, Ulsan, Korea

(Old Address System : 134, Cheoyong-ri, Onsan-eup, Ulju-gun, Ulsan, Korea)

Tel

+82-52-711-2000

Fax

+82-52-708-2000

Other Address-3rd Factory

74, Daejeong-ro, Onsan-eup, Ulju-gun, Ulsan, Korea

(Old Address System : 919, Wonsan-ri, Onsan-eup, Ulju-gun, Ulsan, Korea)

Tel

+82-52-711-3000

Fax

+82-52-708-3000

Other Address-Pohang Factory

1133, Haean-ro, Heunghae-eup, Buk-gu, Pohang-si, Gyeongsangbuk-do, Korea

Tel

+82-54-240-2301

Fax

+82-54-240-2410

Other Address-Gwangyang Factory

2, Taein 4-gil, Gwangyang-si, Jeollanam-do, Korea

Tel

+82-61-798-3114

Fax

+82-61-792-2691

Other Address-Incheon Factory

241, Incheon tower-daero, Yeonsu-gu, Incheon, Korea

Tel

+82-32-748-5533

Fax

+82-32-748-5516

Type

Export

Industry

Manufacture of Other Structural Metal Products

  Main Business

Heat Exchanger, High Pressure Gas Facilities

  Sub Business

 

Established (mm/dd/yyyy)

06/15/1989

The Subject owns the premises of registered HQ address, 2nd Factory and 3rd Factory.

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Fixed network equipment and components(43221700)

Sell

Naval architecture(81101506)

Sell

Heat exchangers(40101802)

Buy

Iron plate(30102203)

Buy

Tube and tubing(31231300)

Buy

Ferrous alloy tubing(31231301)

 

CEO’s

 

Name

You Kwang-Jae

Address

 

Date of Birth

04/1952

Title

President & CEO

Sex

Male

Nationality

Korean

 

 

Profiles

 

Capital (KRW)

41,879,298,000

Employees

1,207

Formation

Listed Company (Korea Stock Exchange : 051310) as of 11/29/2007

A Company of POSCO GROUP

Bank Details

Shinhan Bank

Busan Bank

Korea Development Bank

Corporate Registered No.

181211-0010898

Business Registered No.

610-81-08943

Permit & Licenses

04/26/1993 KS Mark

 

Int’l Trade No.: 914536

Shareholder Position

Name

Shares

%

POSCO(174611-0000741)

28,021,820

34.52

POSCO ENGINEERING & CONSTRUCTION CO., LTD.(174611-0002979)

6,033,710

7.43

KOREA DEVELOPMENT BANK(110135-0000937)

6,979,927

8.60

JEON JUNG-DO

5,498,965

6.77

SAMSUNG ENGINEERING CO., LTD.(110111-0240509)

5,206,671

6.41

SEHWAMP CO., LTD.(181211-0047544)

4,550,910

5.61

EMPLOYEE STOCK OWNERSHIP ASSOCIATION

3,753,335

4.62

OTHERS

21,133,258

26.03

TOTAL

81,178,596

100.00

Company History

06/15/1989 Incorporated as Sungjin Machinery Co., Ltd.

12/15/2000 Changed company name to SUNG JIN GEOTEC CO., LTD.

11/15/2004 Designated as a Venture Business

11/2006 Awarded US$100 Million Export Top Prize

12/2008 Awarded US$300 Million Export Top Prize

03/18/2009 Agreed with the 8 Creditors(banks) on Execution of Management Normalization Plan

11/2009 Awarded US$400 Million Export Top Prize

06/01/2010 Joined as a Company of POSCO GROUP

12/23/2011 Completed Fast Track Program

01/11/2012 Increased capital to 27,323,359,000 KRW from 24,720,023,500 KRW

07/01/2013 Changed company name to the present name after acquiring POSCO PLANTEC CO., LTD.(174611-0012176)

07/01/2013 Moved to the present HQ address from 20-1, Seongam-dong, Nam-gu, Ulsan, Korea

 

 

 

 

Detailed Information

 

Management

 

Job Description

Title

Name

Sex

Nationality

Date of Birth

President & CEO

Mr.

You Kwang-Jae

Male

Korean

1952.04

Sr. Executive Director

Mr.

Woo Hyung-Taik

Male

Korean

1960.07

Director

Mr.

Han Sung-Hee

Male

Korean

1958.10

Director

Mr.

Jeon Jung-Sun

Male

Korean

1962.08

Outside Director

Mr.

Kim Jong-Bok

Male

Korean

1950.02

Outside Director

Mr.

Kim Jong-In

Male

Korean

1950.03

Auditor

Mr.

Han Dong-Hee

Male

Korean

1958.11

 

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

(*)06/2014

313,390,690,765

876,080,432,393

-83,713,824,314

(*)2013

597,561,033,063

900,408,993,376

-98,434,927,285

(*)2012

703,235,671,895

762,945,943,330

-29,219,029,938

(*)2011

632,849,524,871

717,389,329,936

-59,180,844,111

(*)2010

395,936,146,352

601,147,725,595

16,026,206,338

2009

380,143,415,599

588,858,361,490

-6,368,828,873

2008

520,147,104,194

682,154,196,426

-191,037,240,536

2007

361,712,402,715

382,622,231,264

10,402,866,870

2006

214,861,678,841

217,632,483,298

13,232,292,428

2005

181,749,101,780

159,370,437,799

5,537,650,337

(*)Figures are based on the K-IFRS Accounting System.

 

 

Financial Description

 

Authorized Capital(KRW)

100,000,000,000

Paid-Up Capital(KRW)

41,879,298,000

Total Issued Shares

81,178,596

 

Balance Sheet

Unit : Korean Won

01/01/2014~06/30/2014

As of 12/31/2013

As of 12/31/2012

Total Assets

876,080,432,393

900,408,993,376

762,945,943,330

Current Assets

562,725,325,983

593,693,428,337

506,255,214,652

Cash & Cash Equivalents

6,419,340,520

12,714,068,669

3,253,502,445

Current Financial Instruments

3,365,704,850

4,127,363,972

4,855,000,557

Trade Receivables & Other Receivables

205,237,693,487

230,992,283,838

196,821,204,780

Derivatives

25,509,962,060

655,488,697

 

Other Receivables-Construction

253,138,460,384

269,219,819,543

235,533,106,927

Inventories

29,952,590,899

28,014,480,481

28,654,841,088

Deferred Income Tax Assets

404,976,627

42,629,482

56,446,440

Other Current Assets

38,696,597,156

47,927,293,655

37,081,112,415

Non-Current Assets

313,355,106,410

306,715,565,039

256,690,728,678

Non-Current Financial Instruments

343,000,000

223,000,000

0

Long-Term Trade Receivables & Other Receivables

22,820,965,328

16,146,103,390

3,999,537,548

Marketable Financial Instruments

4,899,628,558

3,897,306,271

1,237,705,549

Investment_Subsidiaries

136,397,063

136,397,063

3,000,070,872

Investment_Related Companies

56,527,500

56,527,500

2,056,527,500

Tangibles

245,070,268,283

242,357,542,344

194,394,998,349

Investment_Real Estate

227,951,809

234,975,901

0

Intangibles

14,111,373,652

14,954,040,195

8,960,876,560

Deferred Income Tax Assets

25,641,428,322

28,483,017,404

43,041,012,300

Other Non-Current Assets

47,565,895

226,654,971

0

Total Liabilities

754,509,736,400

765,480,661,820

632,363,868,249

Current Liabilities

545,181,629,501

558,549,811,502

496,891,549,530

Trade Payables & Other Payables

87,945,663,089

119,124,637,102

94,581,685,025

Short-Term Borrowings

397,772,608,661

360,301,413,252

180,657,106,448

Provisions

4,883,268,456

7,120,564,223

3,634,168,062

Current Portion of Long-Term Debts

 

 

147,619,945,608

Other Payables-Construction

49,649,298,772

64,943,338,702

64,313,102,540

Finance Guarantee Debts

172,363,595

175,872,353

0

Other Current Liabilities

4,758,426,928

6,883,985,870

6,085,541,847

Non-Current Liabilities

209,328,106,899

206,930,850,318

135,472,318,719

Long-Term Trade Payables & Other Payables

219,722,028

301,291,193

0

Long-Term Borrowings

87,000,000,000

87,000,000,000

126,166,000,000

Debentures

99,765,065,309

99,697,357,149

0

Derivatives

 

 

202,452,692

Other Long-Term Finance Debts

571,385,281

636,787,999

0

Provision for Severance & Retirement

21,418,504,281

19,265,533,577

7,313,727,537

Provisions

353,430,000

29,880,400

1,790,138,490

Capital Stock

41,879,298,000

32,409,298,000

27,323,359,000

Capital Surplus

473,642,294,129

412,484,915,841

319,143,538,828

Others

-591,662,948

-376,981,966

49,716,128

Profit Surplus

-393,359,233,188

-309,588,900,319

-215,934,538,875

Total Equity

121,570,695,993

134,928,331,556

130,582,075,081

Liab. & Shareholder’s Equity

876,080,432,393

900,408,993,376

762,945,943,330

 

Income Statement

Unit : Korean Won

01/01/2014~06/30/2014

As of 12/31/2013

As of 12/31/2012

Sales

313,390,690,765

597,561,033,063

703,235,671,895

Cost of Sold Goods

342,645,601,480

621,647,888,451

663,555,584,314

Gross Profit

-29,254,910,715

-24,086,855,388

39,680,087,581

Selling Expenses

2,864,577,756

7,352,505,152

4,511,248,479

Admin. Expenses

15,268,080,618

25,581,218,911

21,539,290,330

R&D

936,811,996

1,748,113,377

2,476,341,269

Operating Income

-48,324,381,085

-58,768,692,828

11,153,207,503

Finance Income

1,117,109,756

3,023,063,104

8,202,980,513

Finance Expenses

10,680,549,335

23,247,492,998

23,016,376,269

Other Non-Operating Income

2,872,710,285

2,984,018,349

1,438,821,563

Other Non-Operating Expenses

13,576,871,660

9,421,472,123

2,958,786,730

Profits from Investment on Related Companies

 

2,056,694,123

 

Profits from Foreign Exchange Rate

-12,366,019,154

2,222,815,275

-16,046,790,741

Income Before Taxes

-80,958,001,193

-85,264,455,344

-21,226,944,161

Income Taxes Expenses

2,755,823,121

13,170,471,941

7,992,085,777

Net Income

-83,713,824,314

-98,434,927,285

-29,219,029,938

 

Cash Flows

Unit : Korean Won

01/01/2014~06/30/2014

As of 12/31/2013

As of 12/31/2012

Operating Activities Cash Flows

-75,570,535,340

-74,746,955,244

-112,305,281,779

Net Income

-83,713,824,314

-98,434,927,285

-29,219,029,938

Adjustment

17,328,952,374

46,179,935,782

-56,815,164,002

Dividends Received

10,410,000

374,029,713

112,864,604

Interests Received

437,688,475

372,307,552

739,429,175

Interests Paid

-9,271,414,730

-23,249,730,106

-27,156,125,010

Income Taxes

-362,347,145

11,429,100

32,743,392

Cash Flows from Investing

-39,698,329,790

257,159,937

-7,345,477,053

Cash Flows from Financing

108,932,640,798

84,090,982,431

94,205,241,939

Increase/Decrease in Cash

-6,294,728,149

9,460,566,224

-25,461,119,629

Cash at the Beginning of Year

12,714,068,669

3,253,502,445

28,714,622,074

Cash at the End of Year

6,419,340,520

12,714,068,669

3,253,502,445

 

 

Products, Technologies, Services Description

 

Main Products & Services

Plant Business

-Column & Tower

-Reactor

-Pressure Vessel

-Heat Exchanger

 

Module Business

-Gas Treatment

-Manifold Unit (Offshore)

-Deck Module(Top Side Module)

-Desalination

 

Marine Business

-Semi & Compete Product for Offshore Floaters & Semi-Submergership Rig

-PE & Mega Block, Shipbuilding Block

-Drilling Module, Jack-Up Rigs

 

Power & Energy Business

-Angle Type

-Pipe Type

-HRSG

Detailed Products Spec.

 

Technologies Acquired

 

 

 

Trade Partners & Competitors

 

Suppliers

POSCO(174611-0000741)

HYUNDAI HYSCO(110111-0302416)

SAEWOON STEEL CO., LTD.(180111-0030261)

PUSAN STEEL CO., LTD.(180111-0049345)

INDUSTEEL(EUROPE)

J.F.E(JAPAN)

Customers

LARSEN & TURBO LIMITED(INDIA)

KRUPP CANADA(CANADA)

SK ENGINEERING & CONSTRUCTION CO., LTD.(110111-0038805)

IMPERIAL OIL RESOURCES VENTURES LTD.

ESSAR CONSTRUCTIONS LTD.

Competitors

DBI CORP.

123-1, SINBOK-RI, YONGHYEON-MYEON, SACHEON-SI, GYEONGSANGNAM-DO, KOREA

TEL:+82-55-835-7690~3  FAX:+82-55-835-7694~5

 

ENERGYEN CORPORATION

RM. 920, RAEMIAN SEOCHO UNIVILLE, 1445-4, SEOCHO 1-DONG, SEOCHO-GU, SEOUL, KOREA

TEL:+82-2-583-9762  FAX:+82-2-583-9761

 

ILSUNG CORPORATION

917, WONSAN-RI, ONSAN-EUP, ULJU-GUN, ULSAN, KOREA

TEL:+82-52-231-7514~5  FAX:+82-52-239-0333

 

 

Related Parties (Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates-Domestic

POSCO(174611-0000741)

POSCO COATED & COLOR STEEL CO., LTD.(174611-0006492)

POSCO REFRACTORIES & ENVIRONMENT CO., LTD.(174611-0001947)

POS-A.C. CO., LTD.(174611-0003448)

POSCO ENGINEERING & CONSTRUCTION CO., LTD.(174611-0002979)

POSCO RESEARCH INSTITUTE(110111-1042350)

POSCO SPECIALTY STEEL CO., LTD. (194211-0025248)

POSCO MACHINERY CO., LTD.(206411-0010175)

POSMEC(POSCO MACHINERY & ENGINEERING CO., LTD.(174611-0012176)

POSCO POWER CORPORATION(110111-1829576)

PHP CO., LTD.(120111-0421545)

POSBRO(110111-3528986)

SUWON GREEN ENVIRONMENT CORPORATION(134811-0133794)

POSCORE CO., LTD.(134811-0003343)

RIZTECH BIZ CO., LTD.(171711-0076115)

POSWITH CO., LTD.(171711-0075927)

UITRANS CO., LTD.(110111-3792309)

BASYS INDUSTRY CO. LTD.(110111-0954647)

METAPOLIS CO., LTD.(134811-0094475)

CHEONGNA IBT CO., LTD.(120111-0454520)

POHANG FEUL CELL CO., LTD.(171711-0076256)

MEGA ASSET CO., LTD.(161511-0097480)

DAEWOO ENGINEERING COMPANY CO., LTD.(110111-0203268)

MEDICAL MATERIALS CO.,LTD.(171711-0082766)

DAEWOO INTERNATIONAL CORPORATION(110111-2137358)

Affiliates-Domestic

POSCO ENGINEERING & CONSTRUCTION CO., LTD.(174611-0002979)

POSDATA CO., LTD.(110111-0658637)

SAMJUNG PACKING AND ALUMINUM CO., LTD.(174611-0000866)

POSCON(174611-0002242)

POSCO TERMINAL CO., LTD.(204611-0017575)

POSTEEL(110111-0344591)

POSTECH VENTURE CAPITAL COOPERATION(174611-0029080)

POSMATE CO., LTD.(110111-0739841)

SNNC CO., LTD.(204611-0023415)

P&R CO., LTD.(171711-0076545)

SEOUNG GWANG CO., LTD.(120111-0222844)

ENTOB CORPORATION(110111-2059362)

POSFINE

POSCOAST CO., LTD.(131411-0191529)

DAIMYUNG TMS CO., LTD.(110111-0803141)

PURE GIMPO.CO., LTD.(110111-4290394)

Affiliates-Overseas

POSCO SOUTH EAST ASIA PTE. LTD.

POSCO SPECIALTY STEEL CO., LTD. (194211-0025248)

POSCON(174611-0002242)

POSMEC(POSCO MACHINERY & ENGINEERING CO., LTD.)(174611-0012176)

POSCO MACHINERY CO., LTD.(206411-0010175)

POS-A.C.CO.,LTD.(174611-0003448)

POSTEEL(110111-0344591)

SEOUNG GWANG CO., LTD.(120111-0222844)

POSCO RESEARCH INSTITUTE(110111-1042350)

POSTECH VENTURE CAPITAL COOPERATION (174611-0029080)

POSCO TERMINAL CO., LTD.(204611-0017575)

POSCO ENGINEERING & CONSTRUCTION CO., LTD.(174611-0002979)

POSCO POWER CORPORATION(110111-1829576)

POSWITH CO., LTD.(171711-0075927)

PT.ISI (PT.INTERNATIONAL STEEL INDONESIA)

PT. MRI (PT. MOTTA RESOURCES INDONESIA)

POSCO CORE INDIA PVT. LTD.

POSCO (YANTAI) AUTOMOTIVE PROCESSING CENTER CO., LTD.

Overseas Office

 

Liaison Office

 

Overseas Branch

MALAYSIA BRANCH

B-2-2 MEGAN AVENUE 1, 189, JALAN TUN RAZAK 50400 KUALA LUMPUR MALAYSIA

TEL:+603-2163-0127

 

CALGARY BRANCH, USA

SUITE 2118 140-4TH AVENUS SW CALGARY, ALBERTA, USA

TEL:+1-403-452-7357

 

INDIA BRANCH

GF-19, AUGUSTA POINT SECTOR-53, GOLF COURSE ROAD GURGAON, HARYANA-122002 INDIA

TEL:+91-0124-429-2045

Joint Venture

SUNGJIN DRIVER INC

(50.0% held by the subject company)

Subsidiary

SUNGJIN CANADA LTD.

(70.0% held by the subject company)

 

POSCO PLANTEC THAILAND CO. LTD.

(82.4% held by the subject company)

Corporate Ownership

 

Major Shareholders

 

Cooperative Enterprise

-Insured Company

SAMSUNG FIRE & MARINE INSURANCE CO., LTD.(110111-0005078)

 

 

Sales by Region (Activity & Markets)

 

Not Available.

 

 

Court Action

 

Case No.

Court

Plaintiff(s)/ Creditor(s)/ Applicant(s)

Defendant(s)/ Debtor(s)/ Respondent(s)

Cause

Amount (KRW)

Status

 

Busan District Court

-

The Subject Company(9 Cases)

Claim for Compensation from Damages

11,839,866,000

Proceeding

News Clipping

 

-----

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.75

UK Pound

1

Rs.100.07

Euro

1

Rs.77.95

 

 

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

Report Prepared by :

TPT

 


 

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

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NB

                                       New Business

 

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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.