MIRA INFORM REPORT

 

 

Report Date :

09.09.2014              

 

IDENTIFICATION DETAILS

 

Name :

SYARIKAT PERNIAGAAN THYE LEAN SDN. BERHAD

 

 

Registered Office :

Plot 205, Lorong Perindustrian Bukit Minyak 11, Kawasan Perindustrian Bukit Minyak, Mukim 13, 14000 Bukit Mertajam, Pulau Pinang

 

 

Country :

Malaysia

 

 

Date of Incorporation :

28.01.1976

 

 

Com. Reg. No.:

26231-T

 

 

Legal Form :

Exempt Private (Limited By Share)

 

 

Line of Business :

Trading of Sundry Goods, Food Products

 

 

No. of Employees :

20

 

RATING & COMMENTS

 

MIRA’s Rating :

Ca

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

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 – June 01, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Malaysia

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

 

 

MALAYSIA - ECONOMIC OVERVIEW

 

Malaysia, a middle-income country, has transformed itself since the 1970s from a producer of raw materials into an emerging multi-sector economy. Under current Prime Minister NAJIB, Malaysia is attempting to achieve high-income status by 2020 and to move farther up the value-added production chain by attracting investments in Islamic finance, high technology industries, biotechnology, and services. NAJIB's Economic Transformation Program (ETP) is a series of projects and policy measures intended to accelerate the country's economic growth. The government has also taken steps to liberalize some services sub-sectors. The NAJIB administration also is continuing efforts to boost domestic demand and reduce the economy's dependence on exports. Nevertheless, exports - particularly of electronics, oil and gas, palm oil and rubber - remain a significant driver of the economy. As an oil and gas exporter, Malaysia has profited from higher world energy prices, although the rising cost of domestic gasoline and diesel fuel, combined with sustained budget deficits, has forced Kuala Lumpur to begin to address fiscal shortfalls, through initial reductions in energy and sugar subsidies and the announcement of the 2015 implementation of a 6% goods and services tax. The government is also trying to lessen its dependence on state oil producer Petronas. The oil and gas sector supplies about 32% of government revenue in 2013. Bank Negara Malaysia (central bank) maintains healthy foreign exchange reserves, and a well-developed regulatory regime has limited Malaysia's exposure to riskier financial instruments and the global financial crisis. Nevertheless, Malaysia could be vulnerable to a fall in commodity prices or a general slowdown in global economic activity because exports are a major component of GDP. In order to attract increased investment, NAJIB earlier raised possible revisions to the special economic and social preferences accorded to ethnic Malays under the New Economic Policy of 1970, but retreated in 2013 after he encountered significant opposition from Malay nationalists and other vested interests. In September 2013 NAJIB launched the new Bumiputra Economic Empowerment Program (BEEP), policies that favor and advance the economic condition of ethnic Malays

Source : CIA

 

 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

26231-T

COMPANY NAME

:

SYARIKAT PERNIAGAAN THYE LEAN SDN. BERHAD

FORMER NAME

:

N/A

INCORPORATION DATE

:

28/01/1976

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

EXEMPT PRIVATE (LIMITED BY SHARE)

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

PLOT 205, LORONG PERINDUSTRIAN BUKIT MINYAK 11, KAWASAN PERINDUSTRIAN BUKIT MINYAK, MUKIM 13, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

BUSINESS ADDRESS

:

PLOT 205, LORONG PERINDUSTRIAN BUKIT MINYAK 11, KAWASAN PERINDUSTRIAN BUKIT MINYAK, MUKIM 13, SEBERANG PRAI TENGAH, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

TEL.NO.

:

04-5019933

FAX.NO.

:

04-5019938

CONTACT PERSON

:

KOH CHOON HWA ( MANAGING DIRECTOR )

 

 

 

INDUSTRY CODE

:

46321

PRINCIPAL ACTIVITY

:

TRADING OF SUNDRY GOODS, FOOD PRODUCTS

AUTHORISED CAPITAL

:

MYR 2,000,000.00 DIVIDED INTO
ORDINARY SHARE 20,000.00 OF MYR 100.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 1,000,000.00 DIVIDED INTO
ORDINARY SHARES 10,000 CASH OF MYR 100.00 EACH.

 

 

 

SALES

:

N/A

NET WORTH

:

N/A

 

 

 

STAFF STRENGTH

:

20 [2014]

BANKER (S)

:

CIMB BANK BHD
PUBLIC BANK BHD

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

N/A

PAYMENT

:

N/A

MANAGEMENT CAPABILITY

:

AVERAGE

 

 

 

COMMERCIAL RISK

:

HIGH

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 

HISTORY / BACKGROUND

 

The Subject is an exempt private company which is allowed to have a minimum of two and a maximum of twenty shareholders and all the shareholders must be individuals. An exempt company is a type of private limited company. 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, suing or be sued by other companies. The Subject is governed by the Companies Act, 1965 and must file in its annual return. The Subject need not file in its financial statements but it has to file in a document duly signed by its director in charge of its finance, the secretary and its auditor stating that the Subject is able to meet all its obligations as and when they fall due. Although the Subject is not required to file in its financial statements, it also has to prepare its financial account which must be presented at the Annual General Meeting.

The Subject is principally engaged in the (as a / as an) trading of sundry goods, food products.

The Subject is not listed on Bursa Malaysia (Malaysia Stock Exchange).

 

Share Capital History

Date

Authorised Shared Capital

Issue & Paid Up Capital

15/02/2013

MYR 2,000,000.00

MYR 1,000,000.00

 

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


Name

Address

IC/PP/Loc No

Shareholding

(%)

MR. KOH CHOON HWA +

1787, MUKIM 9, JALAN BERAPIT, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

660829-07-5439 A0529673

3,600.00

36.00

MR. KOH CHOON HONG +

1787, MUKIM 9, JALAN BERAPIT, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

740817-07-5175 A2515686

3,600.00

36.00

MR. KOH CHOONG KIAN

43, JALAN SERULING 57, TAMAN KLANG JAYA, 41200 KLANG, SELANGOR, MALAYSIA.

641002-07-5541 7438994

1,000.00

10.00

MS. CHEW GAIK HONG

43, JALAN SERULING 57, TAMAN KLANG JAYA, 41200 KLANG, SELANGOR, MALAYSIA.

671110-07-5386 A0846980

800.00

8.00

MS. TAN LEE LING

1787, MUKIM 9, JALAN BERAPIT, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

680604-07-5188 A0987733

500.00

5.00

MS. LEE HOON HONG

1787, MUKIM 9, JALAN BERAPIT, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

740918-07-5676 A2886777

500.00

5.00

 

 

 

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

------

 

 

 

10,000.00

100.00

 

 

 

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

=====

 

+ Also Director

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

MR. KOH CHOON HWA

Address

:

1787, MUKIM 9, JALAN BERAPIT, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

IC / PP No

:

A0529673

New IC No

:

660829-07-5439

Date of Birth

:

29/08/1966

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

25/07/1997

 

DIRECTOR 2

 

Name Of Subject

:

MR. KOH CHOON HONG

Address

:

1787, MUKIM 9, JALAN BERAPIT, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

IC / PP No

:

A2515686

New IC No

:

740817-07-5175

Date of Birth

:

17/08/1974

 

 

 

Nationality

:

MALAYSIAN CHINESE

Date of Appointment

:

25/07/1997

 

 

MANAGEMENT

 

 

 

1)

Name of Subject

:

KOH CHOON HWA

 

Position

:

MANAGING DIRECTOR

 


 

AUDITOR

 

Auditor

:

WONG LOH HUN & ASSOCIATES

Auditor' Address

:

15 LEBUH GEREJA, ROOM 4, 10200 GEORGE TOWN, PULAU PINANG, MALAYSIA.

 

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MS. WONG LAI YEN

 

IC / PP No

:

4105031

 

New IC No

:

511028-07-5528

 

Address

:

15 LEBUH GEREJA, ROOM 3, 10300 GEORGE TOWN, PULAU PINANG, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

CIMB BANK BHD

 

 

 

 

 

 

 

 

 

2)

Name

:

PUBLIC BANK BHD

 

 

 

 

 

 

 

ENCUMBRANCE (S)

 

Charge No

Creation Date

Charge Description

Chargee Name

Total Charge

Status

1

31/01/1977

N/A

OVERSEA CHINESE BANKING CORPLTD

MYR 15,000.00

Satisfied

2

11/04/1977

N/A

OVERSEAS CHINESE BANKING CORPLTD

MYR 35,000.00

Satisfied

3

29/03/1979

N/A

OVERSEA CHINESE BANKING CORPLTD

MYR 205,000.00

Satisfied

4

25/11/1980

N/A

THE UNITED ASIAN BANK BHD

MYR 350,000.00

Satisfied

5

30/12/1981

N/A

UNITED ASIAN BANK BHD

MYR 350,000.00

Unsatisfied

6

30/12/1981

N/A

UNITED ASIAN BANK BHD

MYR 350,000.00

Satisfied

7

30/12/1981

N/A

UNITED ASIAN BANK BHD

MYR 350,000.00

Satisfied

8

30/12/1981

N/A

UNITED ASIAN BANK BHD

MYR 550,000.00

Satisfied

9

29/09/1982

N/A

UNITED ASIAN BANK BHD

MYR 300,000.00

Unsatisfied

10

29/09/1982

N/A

UNITED ASIAN BANK BHD

MYR 300,000.00

Satisfied

11

29/09/1982

N/A

UNITED ASIAN BANK BHD

MYR 300,000.00

Satisfied

12

29/09/1982

N/A

UNITED ASIAN BANK BHD

MYR 700,000.00

Satisfied

13

23/06/1983

N/A

UNITED ASIAN BANK BHD

MYR 450,000.00

Satisfied

14

23/06/1983

N/A

UNITED ASIAN BANK BHD

MYR 450,000.00

Satisfied

15

23/06/1983

N/A

UNITED ASIAN BANK BHD

MYR 1,000,000.00

Satisfied

16

23/06/1983

N/A

UNITED ASIAN BANK BHD

MYR 450,000.00

Unsatisfied

17

09/10/1984

N/A

HONGKONG BANK MALAYSIA BHD

MYR 170,000.00

Satisfied

18

09/04/1986

N/A

UNITED ASIAN BANK BHD

MYR 430,000.00

Satisfied

19

09/04/1986

N/A

UNITED ASIAN BANK BHD

MYR 430,000.00

Unsatisfied

20

09/04/1986

N/A

UNITED ASIAN BANK BHD

MYR 430,000.00

Satisfied

21

09/04/1986

N/A

UNITED ASIAN BANK BHD

MYR 1,930,000.00

Satisfied

22

13/07/1987

N/A

HONGKONG BANK MALAYSIA BHD

MYR 425,000.00

Satisfied

23

13/07/1987

N/A

HONGKONG BANK MALAYSIA BHD

MYR 255,000.00

Satisfied

24

13/10/1987

N/A

UNITED ASIAN BANK BERHAD

MYR 900,000.00

Satisfied

25

13/10/1987

N/A

UNITED ASIAN BANK BERHAD

MYR 900,000.00

Unsatisfied

26

28/09/1989

N/A

UNITED ASIAN BANK BERHAD

MYR 3,800,000.00

Satisfied

27

28/09/1989

N/A

UNITED ASIAN BANK BERHAD

MYR 970,000.00

Satisfied

28

28/09/1989

N/A

UNITED ASIAN BANK BERHAD

MYR 1,780,000.00

Satisfied

29

28/09/1989

N/A

UNITED ASIAN BANK BERHAD

MYR 3,800,000.00

Satisfied

30

28/09/1989

N/A

UNITED ASIAN BANK BERHAD

MYR 970,000.00

Unsatisfied

31

20/11/2001

N/A

BUMIPUTRACOMMERCE BANK BERHAD

MYR 3,800,000.00

Unsatisfied

32

25/08/2004

N/A

BUMIPUTRACOMMERCE BANK BERHAD

MYR 1,500,000.00

Unsatisfied

33

25/08/2004

N/A

BUMIPUTRACOMMERCE BANK BERHAD

MYR 1,500,000.00

Unsatisfied

34

25/09/2006

N/A

PUBLIC BANK BHD

MYR 2,200,000.00

Unsatisfied

35

21/05/2008

OPEN CHARGE

PUBLIC BANK BHD

-

Unsatisfied

36

21/05/2008

OPEN CHARGE

PUBLIC BANK BHD

-

Unsatisfied

 

 

LEGAL CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation. Our databank consists of 99% of the wound up companies in Malaysia.

No legal action was found in our databank.

No winding up petition was found in our databank.


DEFAULTER CHECK AGAINST SUBJECT


* We have checked through the Subject in our defaulters' database which comprised of debtors that have been blacklisted by our customers and debtors that have been placed or assigned to us for collection since 1990. Information was provided by third party where the debt amount can be disputed. Please check with creditors for confirmation as alleged debts may have been paid since recorded or are being disputed.

No blacklisted record & debt collection case was found in our defaulters' databank.


PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

 

Local

:

YES

 

Overseas

:

YES

 

Import Countries

:

ASIA,INDIA

 

 

CLIENTELE

 

Local

:

YES

Percentage

:

100%

Domestic Markets

:

MALAYSIA

Overseas

:

NO

 

 

 

 

 

 

 

 

 

Credit Term

:

30 - 60 DAYS

 

 

 

 

 

 

Payment Mode

:

CHEQUES

 

 

OPERATIONS

 

Goods Traded

:

SUNDRY GOODS, FOOD PRODUCTS

 

 

 

Competitor(s)

:

BERNAS PRODUCTION SDN BHD

CHIN TEOW HIN SDN BHD

EDARAN BERNAS NASIONAL SDN BHD

SCHAMRICE SDN BHD

SEBERANG DISTRIBUTORS SDN BHD

 

 

 

 

Total Number of Employees:

 

YEAR

2014

2012

2011

2010

 

 

 

 

 

 

GROUP

N/A

N/A

N/A

N/A

 

 

 

 

 

COMPANY

20

20

20

20

 

 

 

 

 

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) trading of sundry goods, food products.

The Subject sells a wide range of food products including flour, sugar, rice, onions, garlics, dried chilies and others.

The Subject also sells canned foods including fruit cocktails, sardines, tuna and others.

The Subject sells its products both in large and loose quantities.

The Subject also provides delivery services for large purchase.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

04-5019933

Match

:

N/A

 

 

 

Address Provided by Client

:

PLOT 205, LORONG PERINDUSTRIAN BUKIT MINYAK 11, KAWASAN PERINDUSTRIAN BUKIT MINYAK, MUKIM 13, SEBERANG PRAI TENGAH,14000,BUKIT MERTAJAM,PULAU PINANG.

Current Address

:

PLOT 205, LORONG PERINDUSTRIAN BUKIT MINYAK 11, KAWASAN PERINDUSTRIAN BUKIT MINYAK, MUKIM 13, SEBERANG PRAI TENGAH, 14000 BUKIT MERTAJAM, PULAU PINANG, MALAYSIA.

Match

:

YES

 

 

 

Latest Financial Accounts

:

NO

 

Other Investigations


On 2nd September 2014 we contacted one of the staff from the Subject and she provided some information.


FINANCIAL ANALYSIS

 

 

The Subject is a private exempt company which does not need to file in its accounts with the Registrar of Companies for the information of the public. Therefore, we are not able to comment on the Subject's financial performance.

 

 

 

 

 

 

 

Overall financial condition of the Subject : N/A

 

 

 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2009

2010

2011

2012*

2013**

 

 

 

 

 

 

Population ( Million)

28.13

28.35

28.70

29.30

29.80

Gross Domestic Products ( % )

(0.5)

7.2

5.1

5.6

5.3

Domestic Demand ( % )

2.9

6.3

8.2

9.4

5.6

Private Expenditure ( % )

(2.7)

8.1

8.2

8.0

7.4

Consumption ( % )

0.7

6.7

7.1

1.0

5.7

Investment ( % )

(17.2)

17.7

12.2

11.7

13.3

Public Expenditure ( % )

5.2

3.8

8.4

13.3

1.2

Consumption ( % )

3.1

0.2

16.1

11.3

(1.2)

Investment ( % )

8.0

2.8

(0.3)

15.9

4.2

 

 

 

 

 

 

Balance of Trade ( MYR Million )

89,650

118,356

116,058

106,300

110,700

Government Finance ( MYR Million )

(28,450)

(40,482)

(45,511)

(42,297)

(39,993)

Government Finance to GDP / Fiscal Deficit ( % )

(4.8)

(5.6)

(5.4)

(4.5)

(4.0)

Inflation ( % Change in Composite CPI)

(5.2)

5.1

3.1

1.6

2.5

Unemployment Rate

4.5

3.9

3.3

3.2

3.0

 

 

 

 

 

 

Net International Reserves ( MYR Billion )

331

329

415

427

-

Average Risk-Weighted Capital Adequacy Ratio ( % )

2.87

2.20

3.50

2.20

-

Average 3 Months of Non-performing Loans ( % )

11.08

15.30

14.80

14.70

-

Average Base Lending Rate ( % )

5.53

6.30

6.60

6.53

-

Business Loans Disbursed( % )

10.5

14.7

15.3

32.2

-

Foreign Investment ( MYR Million )

22,156.8

22,517.9

23,546.1

26,230.4

-

Consumer Loans ( % )

-

-

-

-

-

 

 

 

 

 

 

Registration of New Companies ( No. )

41,578

44,148

45,455

45,441

-

Registration of New Companies ( % )

(0.1)

6.2

3.0

(0.0)

-

Liquidation of Companies ( No. )

39,075

25,585

132,476

-

-

Liquidation of Companies ( % )

39.6

(34.5)

417.8

-

-

 

 

 

 

 

 

Registration of New Business ( No. )

312,581

271,414

284,598

324,761

-

Registration of New Business ( % )

-

-

-

-

-

Business Dissolved ( No. )

19,345

19,738

20,121

-

-

Business Dissolved ( % )

2.4

2.0

1.9

-

-

 

 

 

 

 

 

Sales of New Passenger Cars (' 000 Unit )

486.3

543.6

535.1

552.2

-

Cellular Phone Subscribers ( Million )

30.1

32.8

35.3

38.5

-

Tourist Arrival ( Million Persons )

23.6

24.6

24.7

25.0

-

Hotel Occupancy Rate ( % )

58.0

63.0

60.6

62.4

-

 

 

 

 

 

 

Credit Cards Spending ( % )

12.8

14.1

15.6

12.6

-

Bad Cheque Offenders (No.)

36,667

33,568

32,627

26,982

28,876

Individual Bankruptcy ( No.)

16,228

18,119

19,167

19,575

21,984

Individual Bankruptcy ( % )

16.7

11.7

5.8

2.1

12.3

 

 

 

 

 

 

 

INDUSTRIES ( % of Growth ):

2009

2010

2011

2012*

2013**

 

 

 

 

 

 

Agriculture

0.1

2.4

5.8

1.3

2.1

Palm Oil

(1.1)

(3.4)

10.8

(2.8)

-

Rubber

(19.8)

9.9

6.1

(0.6)

-

Forestry & Logging

(5.9)

(3.3)

(7.6)

(2.2)

-

Fishing

5.5

5.6

2.1

(0.7)

-

Other Agriculture

9.0

7.9

7.1

6.4

-

Industry Non-Performing Loans ( MYR Million )

413.7

508.4

634.1

-

-

% of Industry Non-Performing Loans

1.3

2.1

3.2

-

-

 

 

 

 

 

 

Mining

(6.5)

(0.3)

(5.4)

1.0

0.7

Oil & Gas

2.1

0.5

(1.7)

-

-

Other Mining

-

-

-

-

-

Industry Non-performing Loans ( MYR Million )

44.2

49.7

46.5

-

-

% of Industry Non-performing Loans

0.1

0.1

0.1

-

-

 

 

 

 

 

 

Manufacturing #

(9.0)

11.9

4.7

4.8

3.5

Exported-oriented Industries

(19.0)

12.1

2.8

4.1

-

Electrical & Electronics

(30.3)

28.4

(4.0)

12.7

18.6

Rubber Products

(10.1)

25.3

20.7

3.0

8.2

Wood Products

(24.1)

20.1

(5.1)

8.7

(3.1)

Textiles & Apparel

(19.5)

(0.4)

13.2

(7.1)

(2.6)

Domestic-oriented Industries

(9.8)

16.3

6.5

8.6

-

Food, Beverages & Tobacco

0.2

3.0

4.8

2.7

3.6

Chemical & Chemical Products

(7.7)

16.2

10.0

10.8

(0.7)

Plastic Products

(9.1)

2.4

3.8

-

-

Iron & Steel

(32.7)

29.3

2.2

(6.6)

3.4

Fabricated Metal Products

(2.5)

14.9

21.8

13.8

12.2

Non-metallic Mineral

(15.5)

20.2

12.1

2.9

(0.4)

Transport Equipment

(13.5)

36.5

12.0

3.4

13.8

Paper & Paper Products

(5.0)

18.7

9.5

3.1

2.3

Crude Oil Refineries

0.2

(11.4)

9.3

-

-

Industry Non-Performing Loans ( MYR Million )

6,007.3

6,217.5

6,537.2

-

-

% of Industry Non-Performing Loans

18.3

23.8

25.7

-

-

 

 

 

 

 

 

Construction

6.2

11.4

4.7

18.6

10.9

Industry Non-Performing Loans ( MYR Million )

3,241.8

4,038.5

3,856.9

-

-

% of Industry Non-Performing Loans

9.9

10.7

10.2

-

-

 

 

 

 

 

 

Services

2.9

7.4

7.1

6.4

5.9

Electric, Gas & Water

1.4

7.8

3.5

4.4

4.2

Transport, Storage & Communication

1.6

7.7

6.5

7.1

7.3

Wholesale, Retail, Hotel & Restaurant

2.8

4.7

5.2

4.7

5.9

Finance, Insurance & Real Estate

3.8

6.1

6.9

9.7

3.7

Government Services

3.4

5.9

12.4

9.4

8.3

Other Services

3.8

4.4

5.1

3.9

5.1

Industry Non-Performing Loans ( MYR Million )

6,631.3

7,384.6

6,825.2

-

-

% of Industry Non-Performing Loans

20.2

25.7

23.4

-

-

 

 

 

 

 

 

 

 

 

 

 

 

* Estimate / Preliminary

 

 

 

 

 

** Forecast

 

 

 

 

 

# Based On Manufacturing Production Index
(Source : Department of Statistics / Economic Report / Bank Negara Report)

 

 

 

 

 

 

 

 

INDUSTRY ANALYSIS

 

MSIC CODE

46321 : Wholesale of rice, other grains, flour and sugars

 

 

INDUSTRY :

TRADING

 

 

 

According to the Retail Group Malaysia (RGM), the wholesale and retail trade sector forecast to grow to 6% in year 2013. During the first quarter of year 2013, RGM is estimating the retail industry to grow 6.9%. Many retailers have been enjoying better sales since the government handed out cash from mid-January of 2013 under the second round of Bantuan Rakyat 1Malaysia to more than 12 million Malaysians. Bookstores and related retail stores have also started enjoying rising sales since the RM250 1Malaysia Book Voucher was distributed to 1.3 million private and public university students. Besides, since early February 2013, handphone traders and retailers selling smartphone accessories have started to benefit from the RM200 rebate on smartphones for 1.5 million young adults aged between 21 and 30 years with a monthly income of not more than RM3,000.

 

The wholesale and retail trade sector grew 6.1% in the first half of the year 2012 driven by strong domestic consumption and the increasing number of large format stores operating in Malaysia, including 180 foreign hypermarkets, superstores and departmental stores as at end of August 2012. In addition, other indicators such as imports of consumption goods were higher by 15.2%.

 

In 2012, the wholesale and retail trade sector growth to 5.5% driven by higher consumption which benefited from Government initiatives under the 2012 Budget such as BR1M, Baucar Buku 1Malaysia (BB1M) and the RM100 assistance for all primary and secondary school students. The performance of the sector will also be supported by ongoing efforts to modernise the retail segment under the ETP. In 2012, 500 retail shops and 50 workshops are targeted to be modernised under the Retail Shop Transformation (TUKAR) and Automotive Workshop Modernisation (ATOM) programmes, respectively. As at end of July 2012, 95 workshops have been modernised, surpassing the yearly target, while 393 retail shops have been modernised.

 

Growth of the sector is anticipated to remain encouraging with ongoing efforts by the Government to increase its contribution to the economy. Major initiatives include increasing the number of large format stores such as hypermarkets, superstores and departmental stores are carried out to boost the economy.

 

Over 60% of Gross Domestic Product (GDP) is contributed by domestic consumption, therefore the wholesale and retail sector plays a crucial role in driving Malaysia's growth over the next decade despite the ongoing global economic slowdown. By 2020, Malaysia's wholesale and retail sector is expected to boost the country's total Gross National Income (GNI) by RM156 billion, creating 454,190 new jobs.

 

 

OVERALL INDUSTRY OUTLOOK : Average Growth

 

 


CREDIT RISK EVALUATION & RECOMMENDATION

 

 

Incorporated in 1976, the Subject is an Exempt Private company, focusing on trading of sundry goods, food products. The Subject has been in business for over two decades. It has built up a stable clientele base.  The Subject is expected to enjoy a stable market shares. The capital standing of the Subject is fair. With an adequate share capital, the Subject has the potential of expanding its business in future.

Investigation revealed that the Subject concentrates only on the local market. This narrow market segment has placed the Subject at high business risk and limits its business expansion opportunities. Any adverse changes to the local economy might have a negative impact on the Subject's business performance. Being a small company, the Subject's business operation is supported by 20 employees. 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.

As the Subject is registered as an Exempt Private company, it is not required to file financial statements for public review. As such, we are unable to ascertain its present financial health.

The Subject's supplier are from both the local and overseas countries. This will eliminates the risk of dependency on deliveries from a number of key suppliers and insufficient quantities of its raw materials. Overall the Subject has a good control over its resources.

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, we recommend credit be granted to the Subject with close monitoring.

 

 

 

PROFIT AND LOSS ACCOUNT

 

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH MALAYSIAN FINANCIAL REPORTING STANDARDS(FRS)

SYARIKAT PERNIAGAAN THYE LEAN SDN. BERHAD

 

Financial Year End

2002-12-31

Months

12

Consolidated Account

Company

Audited Account

YES

Unqualified Auditor's Report (Clean Opinion)

YES

Financial Type

SUMMARY

Currency

MYR

 

 

TURNOVER

29,805,567

 

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

Total Turnover

29,805,567

 

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

 

 

PROFIT/(LOSS) FROM OPERATIONS

247,191

 

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

PROFIT/(LOSS) BEFORE TAXATION

247,191

Taxation

(132,652)

 

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

PROFIT/(LOSS) AFTER TAXATION

114,539

 

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

PROFIT/(LOSS) BEFORE EXTRAORDINARY ITEMS

114,539

 

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

PROFIT/(LOSS) ATTRIBUTABLE TO SHAREHOLDERS

114,539

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

As previously reported

4,003,962

 

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

As restated

4,003,962

 

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

PROFIT AVAILABLE FOR APPROPRIATIONS

4,118,501

 

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

4,118,501

 

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

 

 

 

 

 

BALANCE SHEET

 

 

SYARIKAT PERNIAGAAN THYE LEAN SDN. BERHAD

 

ASSETS EMPLOYED:

 

FIXED ASSETS

2,113,737

 

 

 

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

TOTAL LONG TERM ASSETS

2,113,737

 

 

TOTAL CURRENT ASSETS

5,797,796

 

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

TOTAL ASSET

7,911,533

 

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

 

 

TOTAL CURRENT LIABILITIES

2,536,882

 

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

NET CURRENT ASSETS/(LIABILITIES)

3,260,914

 

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

TOTAL NET ASSETS

5,374,651

 

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

 

 

SHARE CAPITAL

 

Ordinary share capital

1,000,000

 

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

TOTAL SHARE CAPITAL

1,000,000

 

 

Retained profit/(loss) carried forward

4,374,651

 

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

TOTAL RESERVES

4,374,651

 

 

 

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

SHAREHOLDERS' FUNDS/EQUITY

5,374,651

 

 

 

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

 

5,374,651

 

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

 

 

 

 

 

FINANCIAL RATIO

 

 

SYARIKAT PERNIAGAAN THYE LEAN SDN. BERHAD

 

TYPES OF FUNDS

 

Net Liquid Assets

3,260,914

Net Current Assets/(Liabilities)

3,260,914

Net Tangible Assets

5,374,651

Net Monetary Assets

3,260,914

 

 

BALANCE SHEET ITEMS

 

Total Liabilities

2,536,882

Total Assets

7,911,533

Net Assets

5,374,651

Net Assets Backing

5,374,651

Shareholders' Funds

5,374,651

Total Share Capital

1,000,000

Total Reserves

4,374,651

 

 

LIQUIDITY (Times)

 

Current Ratio

2.29

 

 

SOLVENCY RATIOS (Times)

 

Liabilities Ratio

0.47

Assets Backing Ratio

5.37

 

 

PERFORMANCE RATIO (%)

 

Operating Profit Margin

0.83

Net Profit Margin

0.38

Return On Net Assets

4.60

Return On Capital Employed

4.60

Return On Shareholders' Funds/Equity

2.13

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.26

UK Pound

1

Rs.97.51

Euro

1

Rs.77.94

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

PDT

 

               

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.