MIRA INFORM REPORT

 

 

Report Date :

17.10.2014

 

IDENTIFICATION DETAILS

 

Name :

CONTINENTAL TRADERS PTE. LTD.

 

 

Registered Office :

60, Robinson Road, 11-01, Bea Building, 068589

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2013

 

 

Date of Incorporation :

18.09.2009

 

 

Com. Reg. No.:

200917468-E

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Trading of Fertilizers

 

 

No of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Good

Payment Behaviour :

Regular

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 – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

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.

:

200917468-E

COMPANY NAME

:

CONTINENTAL TRADERS PTE. LTD.

FORMER NAME

:

CIFC INTERNATIONAL PTE LTD (26/03/2010)

INCORPORATION DATE

:

18/09/2009

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

60, ROBINSON ROAD, 11-01, BEA BUILDING, 068589, SINGAPORE.

BUSINESS ADDRESS

:

120 TELOK AYER STREET, 068589, SINGAPORE.

TEL.NO.

:

65-65348607

FAX.NO.

:

65-68239342

CONTACT PERSON

:

HASAN NAWAZ RAHIMTULA ( DIRECTOR )

PRINCIPAL ACTIVITY

:

TRADING OF FERTILIZERS

ISSUED AND PAID UP CAPITAL

:

1,000.00 ORDINARY SHARE, OF A VALUE OF SGD 1,000.00

SALES

:

USD 439,448,675 [2013]

NET WORTH

:

USD 1,990,217 [2013]

STAFF STRENGTH

:

N/A

BANKER (S)

:

UNITED OVERSEAS BANK LIMITED

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

STRONG

PAYMENT

:

PROMPT

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE 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) trading of fertilizers.


 

The immediate holding company of the Subject is COMPAGNIE INDO-FRENCAISE DE-COMMERCE PVT LTD, a company incorporated in INDIA.


Share Capital History

Date

Issue & Paid Up Capital

16/10/2014

SGD 1,000.00


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


Name

Address

IC/PP/Loc No

Shareholding

(%)

COMPAGNIE INDO-FRENCAISE DE-COMMERCE PVT LTD

66-R.P. ROAD, SECUNDERABAD, HYDERABAD, ANDHRA PRADESH, ANDHR, INDIA.

T09UF2338

1,000.00

100.00

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

------

1,000.00

100.00

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

=====

+ Also Director





DIRECTORS



DIRECTOR 1

 

Name Of Subject

:

KHANDELWAL SAMTA

Address

:

30, TANAH MERAH KECHIL ROAD, EAST MEADOWS, 465558, SINGAPORE.

IC / PP No

:

S7379330J

Nationality

:

SINGAPOREAN

Date of Appointment

:

18/09/2009

 

DIRECTOR 2

 

Name Of Subject

:

HASAN NAWAZ RAHIMTULA

Address

:

148, SUNDER NAGAR, NEW DELHI, 110003, NEW DELHI, INDIA.

IC / PP No

:

G6088278

Nationality

:

INDIAN

Date of Appointment

:

18/09/2009

 

DIRECTOR 3

 

Name Of Subject

:

SYED AJAZUR RAHMAN

Address

:

B-10/7206, VASANT KUNJ, 110070, NEW DELHI, INDIA.

IC / PP No

:

E1500517

Nationality

:

INDIAN

Date of Appointment

:

18/09/2009



MANAGEMENT

 

 

1)

Name of Subject

:

HASAN NAWAZ RAHIMTULA

Position

:

DIRECTOR

 

AUDITOR

 

Auditor

:

A2 PRACTICE

Auditor' Address

:

N/A

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

NANCY JULIA ZEHNDER

IC / PP No

:

S0240727B

Address

:

58, DAKOTA CRESCENT, 02-257, 390058, SINGAPORE.

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

UNITED OVERSEAS BANK LIMITED

 

 

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

LITIGATION CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt 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

[

X

]

Good 31-60 Days

[

]

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

 

Goods Traded

:

FERTILIZERS PRODUCTS

 

Total Number of Employees:

YEAR

2012


GROUP

N/A

COMPANY

20

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) trading of fertilizers.

The Subject is involve in trading of fertilizers products.

CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-65348607

Match

:

N/A

Address Provided by Client

:

120 TELOK AYER STREET SINGAPORE 068589

Current Address

:

120 TELOK AYER STREET, 068589, SINGAPORE.

Match

:

YES

 

Other Investigations


On 14th October 2014 we contacted one of the staff from the Subject's registered office and she only provided limited information.

She refused to disclose the number of employees.

FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Increased

[

2010 - 2013

]

Profit/(Loss) Before Tax

:

Increased

[

2010 - 2013

]

Return on Shareholder Funds

:

Favourable

[

53.61%

]

Return on Net Assets

:

Favourable

[

61.42%

]

The Subject's turnover increased steadily as the demand for its products / services increased due to the goodwill built up over the years.The higher profit could be attributed to the increase in turnover. Generally the Subject was profitable. The favourable return on shareholders' funds and return on net assets indicate that the Subject's management was efficient in utilising the assets to generate returns.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Favourable

[

4 Days

]

Creditors Ratio

:

Favourable

[

3 Days

]

As the Subject is a service oriented company, the Subject does not need to keep stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. 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

[

1.52 Times

]

Current Ratio

:

Unfavourable

[

1.52 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

[

23,507.50 Times

]

Gearing Ratio

:

Favourable

[

0.00 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 had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

Generally, the Subject's performance has improved with higher turnover and profit. 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 was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : STRONG

 

 

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)



INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

The wholesale and retail trade sector contracted by 1.5% in the fourth quarter of 2012, extending the 0.2% decline in the preceding quarter. For the whole of 2012, the sector declined by 0.7%, reversing the 1.6% growth in 2011. The sector was weighed down primarily by the wholesale trade segment. In 2012, the wholesale trade segment contracted by 1.0%, a reversal from the 1.4% growth in 2011. Growth of the retail trade segment also moderated to 2.0%, from 3.2% in the year 2011.

The domestic wholesale trade index grew by 1.2% in the fourth quarter of 2012, an improvement from the 5.4% decline in the third quarter. This was partly due to an increase in the sales of chemicals & chemical products and ship chandlers & bunkering. For the full year of 2012, the domestic wholesale trade index contracted by 2.2%, extending the 1.7% decline in 2011. The foreign wholesale trade index grew by 8.6% in the fourth quarter, an increase from the 6.6% growth in the third quarter. The expansion was partly due to resilient sales of petroleum & petroleum products. For the whole of 2012, the foreign wholesale trade index expanded by 9.1%, faster than the 4.3% increase in 2011.

In the fourth quarter of 2012, retail sales volume declined by 2.0%, extending the 0.3% decline in the third quarter. Excluding motor vehicles, retail sales volume grew by 0.4%, a slight moderation compared to the 1.5% gain in the third quarter of 2012. The sales volume of motor vehicles fell by 11% in the fourth quarter of 2012, after contracting by 6.1% in the third quarter. The sales of several discretionary items also declined in the fourth quarter. Besides, the sales of optical goods & books in 2012 fell by 3.6%, while the sales of telecommunications apparatus & computers declined by 1.4%.

For 2012 as a whole, retail sales volume grew by 1.3%, compared to the 2.0% expansion in 2011. Excluding motor vehicle sales, the increase in retail sales volume also moderated from 5.4% in 2011 to 1.7% in 2012. Medical goods & toiletries registered the largest increase (9.3%) in sales, followed by telecommunications apparatus & computers (6.9%). By contrast, the sales of watches & jewellery (-2.2%) and optical goods & books (-3.6%) declined.

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2009, the Subject is a Private Limited company, focusing on trading of fertilizers. The Subject has been in business for less than 5 years and it has slowly been building up contact with its clients while competing in the industry. However, it has yet to enjoy a stable market shares as it need to compete many well established players in the same field. Presently, the issued and paid up capital of the Subject stands at SGD 1,000. However, having strong support from its holding company has enabled the Subject to remain competitive despite the challenging business environment.

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. Based on the higher profitability, the Subject has generated a favourable return based on its existing shareholders' funds which indicated that the management was efficient in utilising its funds to generate income. The Subject 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 zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at SGD 1,990,217, the Subject should be able to maintain its business in the near terms.

Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises.

We regard that the Subject's overall payment habit is prompt. The Subject had a favourable creditors' ratio as evidenced by its favourable collection days.

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry.

In view of the above favourable condition, we recommend credit be proceeded to the Subject with favourable term.

 

 

PROFIT AND LOSS ACCOUNT

 

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

CONTINENTAL TRADERS PTE. LTD.

 

Financial Year End

2013-03-31

2012-03-31

2011-03-31

2010-03-31

Months

12

12

12

6

Consolidated Account

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

Currency

USD

USD

USD

USD

TURNOVER

439,448,675

300,189,842

85,371,638

-

Other Income

163,698

130,980

-

-

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

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

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

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

Total Turnover

439,612,373

300,320,822

85,371,638

-

Costs of Goods Sold

(436,611,730)

(293,688,511)

(83,909,973)

-

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

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

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

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

Gross Profit

3,000,643

6,632,311

1,461,665

-

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

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

1,222,338

728,261

323,790

(3,522)

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

1,222,338

728,261

323,790

(3,522)

Taxation

(155,355)

(96,889)

(29,120)

-

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

1,066,983

631,372

294,670

(3,522)

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

922,520

291,148

(3,522)

-

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

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

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

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

As restated

922,520

291,148

(3,522)

-

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

1,989,503

922,520

291,148

(3,522)

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

1,989,503

922,520

291,148

(3,522)

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

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Others

52

11

-

-

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

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

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

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

52

11

-

-

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

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

 

 

 

 

 

 

BALANCE SHEET

 

CONTINENTAL TRADERS PTE. LTD.

 

Trade debtors

5,346,969

4,206,235

-

-

Other debtors, deposits & prepayments

432,147

-

-

-

Short term deposits

-

-

250,000

-

Cash & bank balances

12,926

1,452,388

59,244

1,915

Others

-

-

361,862

-

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

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

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

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

TOTAL CURRENT ASSETS

5,792,042

5,658,623

671,106

1,915

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

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

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

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

TOTAL ASSET

5,792,042

5,658,623

671,106

1,915

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

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

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

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

CURRENT LIABILITIES

Trade creditors

3,604,158

4,560,936

323,326

-

Other creditors & accruals

32,165

28,444

11,798

-

Amounts owing to holding company

-

-

-

4,723

Provision for taxation

145,502

126,009

29,120

-

Other liabilities

20,000

20,000

15,000

-

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

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

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

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

TOTAL CURRENT LIABILITIES

3,801,825

4,735,389

379,244

4,723

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

1,990,217

923,234

291,862

(2,808)

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

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

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

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

TOTAL NET ASSETS

1,990,217

923,234

291,862

(2,808)

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

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

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

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

SHARE CAPITAL

Ordinary share capital

714

714

714

714

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

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

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

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

TOTAL SHARE CAPITAL

714

714

714

714

Retained profit/(loss) carried forward

1,989,503

922,520

291,148

(3,522)

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

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

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

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

TOTAL RESERVES

1,989,503

922,520

291,148

(3,522)

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

1,990,217

923,234

291,862

(2,808)

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

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

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

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

1,990,217

923,234

291,862

(2,808)

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

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

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

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

 

 

 

 

 

 

FINANCIAL RATIO

 

CONTINENTAL TRADERS PTE. LTD.

 

TYPES OF FUNDS

Cash

12,926

1,452,388

309,244

1,915

Net Liquid Funds

12,926

1,452,388

309,244

1,915

Net Liquid Assets

1,990,217

923,234

291,862

(2,808)

Net Current Assets/(Liabilities)

1,990,217

923,234

291,862

(2,808)

Net Tangible Assets

1,990,217

923,234

291,862

(2,808)

Net Monetary Assets

1,990,217

923,234

291,862

(2,808)

BALANCE SHEET ITEMS

Total Borrowings

0

0

0

0

Total Liabilities

3,801,825

4,735,389

379,244

4,723

Total Assets

5,792,042

5,658,623

671,106

1,915

Net Assets

1,990,217

923,234

291,862

(2,808)

Net Assets Backing

1,990,217

923,234

291,862

(2,808)

Shareholders' Funds

1,990,217

923,234

291,862

(2,808)

Total Share Capital

714

714

714

714

Total Reserves

1,989,503

922,520

291,148

(3,522)

LIQUIDITY (Times)

Cash Ratio

0.00

0.31

0.82

0.41

Liquid Ratio

1.52

1.19

1.77

0.41

Current Ratio

1.52

1.19

1.77

0.41

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

0

0

Debtors Ratio

4

5

0

0

Creditors Ratio

3

6

1

0

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

0.00

0.00

Liabilities Ratio

1.91

5.13

1.30

(1.68)

Times Interest Earned Ratio

23,507.50

66,206.55

0.00

0.00

Assets Backing Ratio

2,787.42

1,293.04

408.77

(3.93)

PERFORMANCE RATIO (%)

Operating Profit Margin

0.28

0.24

0.38

0.00

Net Profit Margin

0.24

0.21

0.35

0.00

Return On Net Assets

61.42

78.88

110.94

125.43

Return On Capital Employed

61.42

78.88

110.94

125.43

Return On Shareholders' Funds/Equity

53.61

68.39

100.96

125.43

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

0.00

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

0

0

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.47

UK Pound

1

Rs.98.23

Euro

1

Rs.78.66

 

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

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

--

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.