MIRA INFORM REPORT

 

 

Report Date :

31.10.2014

 

IDENTIFICATION DETAILS

 

Name :

SANYI RESOURCES PTE. LTD.

 

 

Registered Office :

10, Jalan Besar, 11-12, Sim Lim Tower, 208787

 

 

Country :

Singapore

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

04.05.2007

 

 

Com. Reg. No.:

200707731-H

 

 

Legal Form :

PRIVATE LIMITED

 

 

Line of Business :

Subject is engaged in the trading of papers.

 

 

No of Employees :

4 [2014]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

 

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.

:

200707731-H

COMPANY NAME

:

SANYI RESOURCES PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

04/05/2007

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

10, Jalan Besar, 11-12, Sim Lim Tower, 208787, Singapore.

BUSINESS ADDRESS

:

10 Jalan Besar, 11-12 Sim Lim Tower, 208778, Singapore.

TEL.NO.

:

65-62923131

FAX.NO.

:

65-62922154

CONTACT PERSON

:

LIM HOCK KENG ( DIRECTOR )

PRINCIPAL ACTIVITY

:

TRADING OF PAPERS

ISSUED AND PAID UP CAPITAL

:

500,000.00 ORDINARY SHARE, OF A VALUE OF SGD 500,000.00

SALES

:

USD 80,387,005 [2013]

NET WORTH

:

USD 772,217 [2013]

STAFF STRENGTH

:

4 [2014]

BANKER (S)

:

CITIBANK N.A.
DBS BANK LTD
MALAYAN BANKING BHD
UNITED OVERSEAS BANK LIMITED

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

LIMITED

PAYMENT

:

GOOD

MANAGEMENT CAPABILITY

:

WEAK

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 papers.


Share Capital History

Date

Issue & Paid Up Capital

14/02/2014

SGD 500,000.00

 


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

 


Name

Address

IC/PP/Loc No

Shareholding

(%)

LIM HOCK KENG +

224, UPPER PAYA LEBAR ROAD, PAYA LEBAR GARDENS, 534887, SINGAPORE.

S1391143F

245,000.00

49.00

JANLEX HOLDINGS LTD

AKARA BUILDING 24, DE CASTRO STREET, WICKHAMS CAY 1, ROAD TOWN, TORTOLA, VIRGIN ISLANDS, BRITISH.

T07UF1610

255,000.00

51.00

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

------

500,000.00

100.00

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

=====

+ Also Director





DIRECTORS



DIRECTOR 1

 

Name Of Subject

:

LIM HOCK KENG

Address

:

224, UPPER PAYA LEBAR ROAD, PAYA LEBAR GARDENS, 534887, SINGAPORE.

IC / PP No

:

S1391143F

Nationality

:

SINGAPOREAN

Date of Appointment

:

04/05/2007




MANAGEMENT

 

 

1)

Name of Subject

:

LIM HOCK KENG

Position

:

DIRECTOR

 

 

 

 

 

AUDITOR

 

Auditor

:

ENTERPRISE ASSURANCE PAC

Auditor' Address

:

N/A

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

WAI SIEW PENG

IC / PP No

:

S2583020B

Address

:

510, BUKIT BATOK STREET 52, 07-09, 650510, SINGAPORE.

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

CITIBANK N.A.

 

2)

Name

:

DBS BANK LTD

 

3)

Name

:

MALAYAN BANKING BHD

 

4)

Name

:

UNITED OVERSEAS BANK LIMITED

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

C200802047

28/02/2008

N/A

UNITED OVERSEAS BANK LIMITED

-

Unsatisfied

C200808671

17/09/2008

N/A

UNITED OVERSEAS BANK LIMITED

-

Unsatisfied

C201011952

09/12/2010

N/A

CITIBANK N.A.

-

Unsatisfied

C201108274

07/07/2011

N/A

MALAYAN BANKING BERHAD

-

Unsatisfied

C201201123

30/01/2012

N/A

DBS BANK LTD

-

Unsatisfied

 

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 Subject refused to disclose any information on its suppliers.

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

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

]

Good 31-60 Days

[

X

]

Average 61-90 Days

[

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

CLIENTELE

 

Local

:

N/A

Overseas

:

N/A


The Subject refused to disclose any information on its clientele.

OPERATIONS

 

Goods Traded

:

PAPERS

 

Total Number of Employees:

YEAR

2014

2012

GROUP

N/A

N/A

COMPANY

4

4

 

Branch

:

NO

Other Information:


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

The Subject refused to disclose any information on its operation.

CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-62923131

Match

:

N/A

Address Provided by Client

:

10 JALAN BESAR, 11-12 SIM LIM TOWER,208778 SINGAPORE

Current Address

:

10 JALAN BESAR, 11-12 SIM LIM TOWER, 208778, SINGAPORE.

Match

:

YES

 

Other Investigations


On 28th October 2014 we contacted one of the staff from the Subject and she provided some information.



FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Decreased

[

2009 - 2013

]

Profit/(Loss) Before Tax

:

Decreased

[

2009 - 2013

]

Return on Shareholder Funds

:

Unfavourable

[

(51.55%)

]

Return on Net Assets

:

Unfavourable

[

(18.97%)

]

The continuous fall in turnover could be due to the lower demand for the Subject's products / services.The Subject incurred losses during the year due to the inefficient control of its operating costs. The Subject's unfavourable returns on shareholders' funds indicate the management's inefficiency in utilising its assets to generate returns.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Favourable

[

6 Days

]

Creditors Ratio

:

Favourable

[

14 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

[

1.18 Times

]

Current Ratio

:

Unfavourable

[

1.18 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

:

Unfavourable

[

(0.58 Times)

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject incurred losses in the year. It did not generate sufficient income to service its interest.  If the situation does not improve, the Subject may be vulnerable to default in servicing the interest. 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 :

The Subject's losses could be attributed to the lower turnover which in turn could be the result of unfavourable market conditions. 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. The Subject's interest cover was negative, indicating that it did not generate sufficient income to service its interest. If its result does not show impressive improvements or succeed obtaining short term financing or capital injection, it may not be able to service its interest and repay the loans. 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 : LIMITED

 

 

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 2007, the Subject is a Private Limited company, focusing on trading of papers. Having been in business for more than 5 years, the Subject has established a remarkable clientele base for itself which has contributed to its business growth. Presently, the issued and paid up capital of the Subject stands at MYR 150,000. Presently, the issued and paid up capital of the Subject stands at SGD 500,000. Under the control of its directors, we considered that the Subject's business position in the market is much dependent on their abilities.

Being a small company, the Subject's business operation is supported by 4 employees. Overall, we regard that the Subject's management capability is weak. Without capable management, the Subject is unlikely to be successful and often contribute to unacceptable levels of accountability. Weak management can affect productivity, profitability, sales growth and ultimately can result in the failure of a business.

Due to the challenging market conditions, the Subject's business performance seems to be deteriorating and losses incurred. The Subject has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. The Subject is in average 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 USD 772,217, the Subject should be able to maintain its business in the near terms.

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

The industry 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.

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

 

 

PROFIT AND LOSS ACCOUNT

 

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

SANYI RESOURCES PTE. LTD.

 

Financial Year End

2013-12-31

2012-12-31

2011-12-31

2010-12-31

2009-12-31

Months

12

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

FULL

Currency

USD

USD

USD

USD

USD

TURNOVER

80,387,005

168,449,891

170,768,485

90,891,250

54,438,445

Other Income

1,721

253,646

264,600

86,853

161,635

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

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

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

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

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

Total Turnover

80,388,726

168,703,537

171,033,085

90,978,103

54,600,080

Costs of Goods Sold

(79,179,791)

(166,933,882)

(167,961,512)

(89,130,490)

(53,161,374)

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

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

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

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

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

Gross Profit

1,208,935

1,769,655

3,071,573

1,847,613

1,438,706

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

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

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

(398,087)

68,437

221,789

226,755

299,956

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

(398,087)

68,437

221,789

226,755

299,956

Taxation

-

(25,013)

(15,190)

(20,574)

(27,921)

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

(398,087)

43,424

206,599

206,181

272,035

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

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

795,180

751,756

789,507

583,326

311,291

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

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

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

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

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

As restated

795,180

751,756

789,507

583,326

311,291

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

397,093

795,180

996,106

789,507

583,326

CAPITALISATION FOR BONUS ISSUES

-

-

(244,350)

-

-

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

397,093

795,180

751,756

789,507

583,326

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

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

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Others

251,596

358,985

783,898

188,289

93,688

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

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

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

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

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

251,596

358,985

783,898

188,289

93,688

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

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

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

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

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

 

 

 

 

 

 

 

BALANCE SHEET

 

SANYI RESOURCES PTE. LTD.

 

ASSETS EMPLOYED:

FIXED ASSETS

38,518

42,012

10,650

31

1,427

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

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

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

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

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

TOTAL LONG TERM ASSETS

38,518

42,012

10,650

31

1,427

Stocks

-

-

2,600,316

-

958,931

Trade debtors

1,228,257

10,656,964

6,146,537

8,575,276

8,481,785

Other debtors, deposits & prepayments

74,794

17,545

2,613,293

53,696

2,347

Short term deposits

-

-

-

3,104,007

386,278

Cash & bank balances

3,421,193

1,879,024

1,107,860

2,272,835

1,026,238

Others

-

-

-

2,834

10,049

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

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

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

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

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

TOTAL CURRENT ASSETS

4,724,244

12,553,533

12,468,006

14,008,648

10,865,628

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

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

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

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

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

TOTAL ASSET

4,762,762

12,595,545

12,478,656

14,008,679

10,867,055

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

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

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

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

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

CURRENT LIABILITIES

Trade creditors

3,136,703

11,132,236

8,073,309

10,312,452

9,851,196

Other creditors & accruals

66,981

195,882

3,263,277

232,820

260,947

Deposits from customers

786,861

72,110

-

-

-

Provision for taxation

-

25,013

15,190

20,839

27,725

Other liabilities

-

-

-

2,522,287

12,857

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

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

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

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

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

TOTAL CURRENT LIABILITIES

3,990,545

11,425,241

11,351,776

13,088,398

10,152,725

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

733,699

1,128,292

1,116,230

920,250

712,903

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

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

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

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

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

TOTAL NET ASSETS

772,217

1,170,304

1,126,880

920,281

714,330

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

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

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

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

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

SHARE CAPITAL

Ordinary share capital

375,124

375,124

375,124

130,774

130,774

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

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

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

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

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

TOTAL SHARE CAPITAL

375,124

375,124

375,124

130,774

130,774

Retained profit/(loss) carried forward

397,093

795,180

751,756

789,507

583,326

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

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

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

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

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

TOTAL RESERVES

397,093

795,180

751,756

789,507

583,326

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

772,217

1,170,304

1,126,880

920,281

714,100

Deferred taxation

-

-

-

-

230

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

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

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

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

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

TOTAL LONG TERM LIABILITIES

-

-

-

-

230

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

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

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

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

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

772,217

1,170,304

1,126,880

920,281

714,330

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

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

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

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

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

 

 

 

 

 

 

 

FINANCIAL RATIO

 

SANYI RESOURCES PTE. LTD.

 

TYPES OF FUNDS

Cash

3,421,193

1,879,024

1,107,860

5,376,842

1,412,516

Net Liquid Funds

3,421,193

1,879,024

1,107,860

5,376,842

1,412,516

Net Liquid Assets

733,699

1,128,292

(1,484,086)

920,250

(246,028)

Net Current Assets/(Liabilities)

733,699

1,128,292

1,116,230

920,250

712,903

Net Tangible Assets

772,217

1,170,304

1,126,880

920,281

714,330

Net Monetary Assets

733,699

1,128,292

(1,484,086)

920,250

(246,258)

BALANCE SHEET ITEMS

Total Borrowings

0

0

0

0

0

Total Liabilities

3,990,545

11,425,241

11,351,776

13,088,398

10,152,955

Total Assets

4,762,762

12,595,545

12,478,656

14,008,679

10,867,055

Net Assets

772,217

1,170,304

1,126,880

920,281

714,330

Net Assets Backing

772,217

1,170,304

1,126,880

920,281

714,100

Shareholders' Funds

772,217

1,170,304

1,126,880

920,281

714,100

Total Share Capital

375,124

375,124

375,124

130,774

130,774

Total Reserves

397,093

795,180

751,756

789,507

583,326

LIQUIDITY (Times)

Cash Ratio

0.86

0.16

0.10

0.41

0.14

Liquid Ratio

1.18

1.10

0.87

1.07

0.98

Current Ratio

1.18

1.10

1.10

1.07

1.07

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

6

0

6

Debtors Ratio

6

23

13

34

57

Creditors Ratio

14

24

18

42

68

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

0.00

0.00

0.00

Liabilities Ratio

5.17

9.76

10.07

14.22

14.22

Times Interest Earned Ratio

(0.58)

1.19

1.28

2.20

4.20

Assets Backing Ratio

2.06

3.12

3.00

7.04

5.46

PERFORMANCE RATIO (%)

Operating Profit Margin

(0.50)

0.04

0.13

0.25

0.55

Net Profit Margin

(0.50)

0.03

0.12

0.23

0.50

Return On Net Assets

(18.97)

36.52

89.25

45.10

55.11

Return On Capital Employed

(18.97)

36.52

89.25

45.10

55.11

Return On Shareholders' Funds/Equity

(51.55)

3.71

18.33

22.40

38.09

Dividend Pay Out Ratio (Times)

0.00

0.00

0.00

0.00

0.00

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

0

0

0

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.46

UK Pound

1

Rs.98.21

Euro

1

Rs.77.45

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

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.