MIRA INFORM REPORT

 

 

Report No. :

317173

Report Date :

14.04.2015

 

IDENTIFICATION DETAILS

 

Name :

TCHIBO GMBH

 

 

Registered Office :

Überseering 18, D 22297 Hamburg

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2013

 

 

Year of Establishments :

1949

 

 

Com. Reg. No.:

HRB 43618

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Subject is mainly engaged in processing and sale of coffee. However, they also offer products e.g. garments resp. Textiles made of organic Cotton, home wares, furniture etc.

 

 

No of Employees :

Not Available

 

[Note: We tried to confirm the number of employees but no one is ready to part any information from the company management.]

 

 

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 :

No Complaints

 

 

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 – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

Germany

a1

a1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

Germany - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, has contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

 

Source : CIA

 


Company name

 

TCHIBO GmbH

 

 

Company address

 

Überseering 18

D 22297 Hamburg

Telephone:040/6387-0

Telefax:  040/6387-2600

Homepage:       www.tchibo.com

E-mail:              presse@tchibo.de

 

 

VAT no

 

DE811164447

 

Company Status

 

active

 

 

synthesis

 

LEGAL FORM               Private limited company

Date of foundation:       1949

Shareholders'

agreement:                    28.11.1989

Registered on:              26.01.1990

Commercial Register:    Local court 20355 Hamburg

under:                                       HRB 43618

Share capital:                 EUR         40,500,000.00

 

 

Shareholder

 

maxingvest ag

Überseering 18

D 22297 Hamburg

Post Box:

60 30 60, D 22290 Hamburg

Legal form: Public limited company

Share capital:     EUR        125,000,000.00

Share:             EUR         40,500,000.00

Registered on: 08.05.1978

Reg. data: 20355 Hamburg, HRB 21337

Control and profit transfer agreement

 

Manager

 

Dr. Markus Jochen Conrad

Goßlerstr. 24

D 22587 Hamburg

authorized to jointly represent the company

born: 24.10.1959

Profession: Businessman

Marital status: married

 

Manager:

                     Holger Bellmann

                     Große Str. 139

                     D 21075 Hamburg

                     authorized to jointly represent the company

                     born: 15.02.1964

                     Profession: Businessman

Manager:

                     Dr. Sven Axel Groos

                     D 20095 Hamburg

                     born: 17.06.1968

                     Marital status: single

Manager:

                     Yves Marc Müller

                     Goernestr. 29

                     D 20249 Hamburg

                     authorized to jointly represent the company

                     born: 11.10.1969

                     Marital status: unknown

Manager:

                     Pieter Patrick Raming

                     D 22297 Hamburg

                     born: 30.01.1966

 


President of the Supervisory Board

 

Michael Herz

D 20095 Hamburg

born: 28.09.1943

Profession: Manager

Marital status: married

 

Member of the Supervisory Board

 

Wolfgang Herz

Bellevue 18

D 22301 Hamburg

born: 25.05.1950

Profession: Businessman

Marital status: married

 

Member of the Supervisory Board:

Thomas Holzgreve

D 23843 Bad Oldesloe

born: 25.02.1957

Profession: Fully qualified merchant

Marital status: unknown

 

Member of the Supervisory Board:

Prof. Dr. Reinhard Karl Georg Pöllath

D 80331 München

born: 15.01.1948 in Marktredwitz

Profession: Solicitor

Marital status: married

 

Member of the Supervisory Board:

Björn Gulden

In der Fleite 8

D 45529 Hattingen

born: 04.06.1965

Profession: Businessman

 

Member of the Supervisory Board:

Manfred Schmidt

CH  Genf

Nationality: Swiss


Representative of the Employees within the Supervisory Board:

Dr. Rainer Pastuszek

Am Reisenbrook 49b

D 22359 Hamburg

born: 26.07.1954

Profession: Businessman

 

Representative of the Employees within the Supervisory Board:

Karl-Friedrich Wrede

D 22297 Hamburg

 

Representative of the Employees within the Supervisory Board:

Ingelore Lehmann

D 20095 Hamburg

 

Representative of the Employees within the Supervisory Board:

Emilja Mitrovic

D 20095 Hamburg

 

Representative of the Employees within the Supervisory Board:

Ralf Neumann

D 20095 Hamburg

 

Representative of the Employees within the Supervisory Board:

Petra Reimann

D 20095 Hamburg

 

Proxy:

Rainer Schmetzer

D 68775 Ketsch

authorized to jointly represent the company

born: 15.07.1961

 

Proxy:

Dr. Wolfgang Merkle

Maetzelweg 8

D 22359 Hamburg

authorized to jointly represent the company

born: 05.04.1959

Profession: Businessman

Marital status: married

 

Proxy:

Philip Walter Seitz

Ebertallee 16

D 22607 Hamburg

authorized to jointly represent the company

born: 15.08.1962

Profession: Solicitor

Marital status: unknown

 

Proxy:

Wibke Bachor

Osterbekstr. 90a

D 22083 Hamburg

authorized to jointly represent the company

born: 06.08.1968

née: Harms

 

Proxy:

Jochen Eckhold

D 22297 Hamburg

authorized to jointly represent the company

born: 01.12.1969

 

Proxy:

Esref Önal Öncebe

D 22952 Lütjensee

authorized to jointly represent the company

born: 19.04.1963

 

Proxy:

Marc-Stephan Heinsen

D 24975 Husby

authorized to jointly represent the company

born: 19.08.1965

 

Proxy:

Hamid Dastmalchian

D 22297 Hamburg

authorized to jointly represent the company

born: 08.11.1966

 

Proxy:

Ralph Dirk Ludwig

D 40210 Düsseldorf

authorized to jointly represent the company

born: 19.09.1966

 

Further functions/participations of Dr. Markus Jochen Conrad

(Manager)

 

Shareholder:

                     CERF GmbH

                     Goßlerstr. 24

                     D 22587 Hamburg

                     Legal form: Private limited company

                     Share capital:     EUR             25,000.00

                     Share:             EUR             25,000.00

                     Registered

                     on:         27.12.2010

                     Reg. data:  20355 Hamburg, HRB 116472

Shareholder:

                     Earlybird enTrust Verwaltung GmbH

                     Alsterchaussee 34

                     D 20149 Hamburg

                     Legal form: Private limited company in

                                 liquidation

                     Share capital:     EUR             62,500.00

                     Share:             EUR              9,375.00

                     Registered

                     on:         04.02.2009

                     Reg. data:  20355 Hamburg, HRB 108309

Manager:

                     CERF GmbH

                     Goßlerstr. 24

                     D 22587 Hamburg

                     Legal form: Private limited company

                     Share capital:     EUR             25,000.00

                     Registered

                     on:         27.12.2010

                     Reg. data:  20355 Hamburg, HRB 116472

Member of the Supervisory Board:

                     ZERTUS GmbH

                     Zirkusweg 2 ( Astraturm )

                     D 20359 Hamburg

                     Post Box:

                     30 42 21, D 20325 Hamburg

                     Legal form: Private limited company

                     Share capital:     EUR         22,500,000.00

                     Registered

                     on:         07.07.1961

                     Reg. data:  20355 Hamburg, HRB 9518

Member of the Supervisory Board:

                     Zuckerraffinerie Tangermünde Fr. Meyers Sohn

                     Holding GmbH

                     Zirkusweg 2 Astraturm

                     D 20359 Hamburg

                     Post Box:

                     30 42 21, D 20325 Hamburg

                     Legal form: Private limited company

                     Share capital:     EUR         22,500,000.00

                     Registered

                     on:         17.09.1993

                     Reg. data:  20355 Hamburg, HRB 53809

 

Further functions/participations of Holger Bellmann (Manager)

Manager:

                     TCHIBO Produktions GmbH

                     Süderstr. 293

                     D 20537 Hamburg

                     Legal form: Private limited company

                     Share capital:     EUR          1,600,000.00

                     Registered

                     on:         04.01.2006

                     Reg. data:  20355 Hamburg, HRB 96004

President of the Supervisory Board:

                     Libri GmbH

                     Friedensallee 273

                     D 22763 Hamburg

                     Legal form: Private limited company

                     Share capital:     EUR             26,587.18

                     Registered

                     on:         13.11.1997

                     Reg. data:  20355 Hamburg, HRB 65430

 

Further functions/participations of Yves Marc Müller (Manager)

Manager:

                     TCHIBO Energie GmbH

                     Überseering 18

                     D 22297 Hamburg

                     Legal form: Private limited company

                     Share capital:     EUR             25,000.00

                     Registered

                     on:         18.12.2012

                     Reg. data:  20355 Hamburg, HRB 125681

 

 

COMPANY HISTORY

 

28.11.1989 - 26.03.2004  TCHIBO Frisch-Röst-Kaffee GmbH

                         Überseering 18

                         D 22297 Hamburg

                         Private limited company

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

02.02.2009 - 03.11.2014  Manager

                         Peter Heinrich Rikowski

                         D 22391 Hamburg

21.01.2014 - 20.10.2014  Manager

                         Dirk Engehausen

                         D 85598 Baldham

28.11.2007 - 03.09.2013  Manager

                         Wioletta Rosolowska

                         D 22297 Hamburg

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

·         Engaged in Processing of Coffee and Tea

·         Engaged as Wholesaler of Coffee, Tea, Cocoa and Spices

 

Note:

apart from Coffee Specialties, subject product range includes Travel, Mobile Telephony, Financial Services, Fashion and Technology.

 

 

BRANCHES AND FACTORIES

 

Branch:

                     TCHIBO GmbH

                     Altonaer Str. 40

                     D 25436 Tornesch

Branch:

                     TCHIBO GmbH

                     Wendenstr. 464

                     D 20537 Hamburg

Branch:

                     TCHIBO GmbH

                     Alexanderplatz 2

                     D 10178 Berlin

                     TEL.: 030-24720696

Branch:

                     TCHIBO GmbH

                     Neue Eiler Str. 28

                     D 51145 Köln

Branch:

                     TCHIBO GmbH

                     Bruchstr. 5c

                     D 45883 Gelsenkirchen

                     TEL.: 0209/9411212

Branch:

                     TCHIBO GmbH

                     Pickhuben 5

                     D 20457 Hamburg

 

 

PARTICIPATIONS

 

Limited partner:

                     TCHIBO Manufacturing GmbH & Co. KG

                     Überseering 18

                     D 22297 Hamburg

                     Legal form: Ltd partnership with priv. ltd.

                                 company as general partner

                     Company Status: active

                     Total cap.         EUR         18,500,000.00

                     contribution:

                     Share:             EUR         18,500,000.00

                     Reg. data:  12.01.2005

                                 Local court 20355 Hamburg

                                 HRA 101412

Limited partner:

                     Meister-Kaffee GmbH & Co. Vertriebs

                     Kommanditgesellschaft

                     Überseering 18

                     D 22297 Hamburg

                     Legal form: Ltd partnership with priv. ltd.

                                 company as general partner

                     Company Status: active

                     Total cap.         EUR            102,258.38

                     contribution:

                     Share:             EUR             76,693.78

                     Reg. data:  25.11.2003

                                 Local court 20355 Hamburg

                                 HRA 99381

Limited partner:

                     Tchibo Markenverwaltungs GmbH & Co. KG

                     Am Heisterbusch 11

                     D 19258 Gallin

                     Legal form: Ltd partnership with priv. ltd.

                                 company as general partner

                     Company Status: active

                     Total cap.         EUR            100,000.00

                     contribution:

                     Share:             EUR            100,000.00

                     Reg. data:  23.10.2007

                                 Local court 19053 Schwerin

                                 HRA 2757

Limited partner:

                     Olymp Vermögensverwaltung GmbH & Co.

                     Dienstleistungs-KG

                     Am Heisterbusch 11

                     D 19258 Gallin

                     Legal form: Ltd partnership with priv. ltd.

                                 company as general partner

                     Company Status: active

                     Total cap.         EUR            100,000.00

                     contribution:

                     Share:             EUR             94,000.00

                     Reg. data:  04.08.2003

                                 Local court 19053 Schwerin

                                 HRA 2183

Limited partner:

                     TCHIBO Mobilfunk GmbH & Co. KG

                     Überseering 18

                     D 22297 Hamburg

                     Legal form: Ltd partnership with priv. ltd.

                                 company as general partner

                     Company Status: active

                     Total cap.         EUR             25,000.00

                     contribution:

                     Share:             EUR             12,500.00

                     Reg. data:  12.12.2003

                                 Local court 20355 Hamburg

                                 HRA 99535

Shareholder:

                     TCHIBO Produktions GmbH

                     Süderstr. 293

                     D 20537 Hamburg

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:     EUR          1,600,000.00

                     Share:             EUR          1,600,000.00

                     Reg. data:  04.01.2006

                                 Local court 20355 Hamburg

                                 HRB 96004

Shareholder:

                     G. C. Breiger & Company GmbH

                     Pickhuben 5

                     D 20457 Hamburg

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:     EUR            925,000.00

                     Share:             EUR            925,000.00

                     Reg. data:  31.01.1988

                                 Local court 20355 Hamburg

                                 HRB 33715

Shareholder:

                     International Coffee Partners GmbH

                     Am Sandtorpark 4

                     D 20457 Hamburg

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:     EUR            175,000.00

                     Share:             EUR             25,000.00

                     Reg. data:  20.06.2001

                                 Local court 20355 Hamburg

                                 HRB 80448

Shareholder:

                     TCHIBO Energie GmbH

                     Überseering 18

                     D 22297 Hamburg

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:     EUR             25,000.00

                     Share:             EUR             25,000.00

                     Reg. data:  18.12.2012

                                 Local court 20355 Hamburg

                                 HRB 125681

Shareholder:

                     TCHIBO Mobilfunk Beteiligungs-GmbH

                     Überseering 18

                     D 22297 Hamburg

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:     EUR             25,000.00

                     Share:             EUR             12,500.00

                     Reg. data:  09.01.2004

                                 Local court 20355 Hamburg

                                 HRB 89386

 

FINANCIAL INFORMATION

 

Payment experience:     cash discount/within agreed terms

 

Negative information:    We have no negative information at hand.

 

Balance sheet year:       2013

 

 

REAL ESTATE

 

Type of ownership:        Tenant

Address                        Überseering 18

                                    D 22297 Hamburg

 

Real Estate of:              maxingvest ag

Type of ownership:        proprietor

Share:                           100.00 %

Address                        Überseering 18

                                    D 22297 Hamburg

 

Real Estate of:              Holger Bellmann

Type of ownership:         Tenant

Address                        Große Str. 139

                                    D 21075 Hamburg

 

Land register documents were not available.

 

 

BANKERS

 

Principal bank

COMMERZBANK, 20454 HAMBURG

Sort. code: 20040000

BIC: COBADEHHXXX

 

Further banks

DEUTSCHE BANK, 20079 HAMBURG

Sort. code: 20070000

BIC: DEUTDEHHXXX

SEB MERCHANT BANK HAMBURG, 20010 HAMBURG

Sort. code: 20020200

BIC: ESSEDEFFHAM

 

 

FINANCIAL FIGURES

 

Turnover:            2013               EUR      2,911,596,351.00

Profit:              2013               EUR        206,990,378.00

Equipment:                              EUR         67,301,342.00

Ac/ts receivable:                       EUR        246,852,479.00

Liabilities:                            EUR        549,002,622.00

Real estate of the firm:                EUR             66,886.00

The number of employees is not known.

 

Control and profit transfer agreement to:

maxingvest ag

Überseering 18

D 22297 Hamburg

Post Box:

60 30 60, D 22290 Hamburg

 

 

BALANCE SHEETS

 

Balance sheet ratios 01.01.2013 - 31.12.2013

Equity ratio [%]:                 54.90

Liquidity ratio:                   1.24

Return on total capital [%]:      17.53

 

Equity ratio

The equity ratio indicates the portion of the equity as compared

to the total capital. The higher the equity ratio, the better the

economic stability (solvency) and thus the financial autonomy of

a company.

 

Liquidity ratio

The liquidity ratio shows the proportion between adjusted

receivables and net liabilities. The higher the ratio, the lower

the company's financial dependancy from external creditors.

 

Return on total capital

The return on total capital shows the efficiency and return on

the total capital employed in the company. The higher the return

on total capital, the more economically does the company work

with the invested capital.

 

 

Type of balance sheet:               Company balance sheet

 

Financial year:                     01.01.2013 - 31.12.2013

 

ASSETS                                  EUR      1,180,449,139.00

 Fixed assets                           EUR        482,501,035.00

  Intangible assets                     EUR         43,079,745.00

   Concessions, licences, rights        EUR         38,019,556.00

   Advance payments for intang. assets  EUR          5,060,189.00

  Tangible assets                       EUR         77,862,985.00

   Land / similar rights                EUR             66,886.00

   Plant / machinery                    EUR          8,498,619.00

   Other tangible assets / fixtures and

   fittings                             EUR         67,301,342.00

   Advance payments made / construction

   in progress                          EUR          1,996,138.00

  Financial assets                      EUR        361,558,305.00

   Shares in participations /

   subsidiaries and the like            EUR        361,486,875.00

    Shares in related companies         EUR        354,845,757.00

    Shares in investee companies        EUR          6,641,118.00

   Other loans                          EUR             71,430.00

 Current assets                         EUR        696,152,461.00

  Stocks                                EUR        439,927,298.00

   Raw materials, consumables and

   supplies                             EUR         47,237,348.00

   Finished goods / work in progress    EUR        390,221,812.00

   Advance payments made                EUR          2,468,138.00

  Accounts receivable                   EUR        246,852,479.00

   Trade debtors                        EUR        130,292,063.00

   Amounts due from related companies   EUR        105,963,913.00

   Other debtors and assets             EUR         10,596,503.00

  Liquid means                          EUR          9,372,684.00

 Remaining other assets                 EUR          1,795,643.00

  Accruals (assets)                     EUR          1,066,394.00

  Active difference from asset

  offsetting                            EUR            729,249.00

 

LIABILITIES                             EUR      1,180,449,139.00

 Shareholders' equity                   EUR        297,713,535.00

  Capital                               EUR         40,500,000.00

   Subscribed capital (share capital)   EUR         40,500,000.00

  Reserves                              EUR        257,213,535.00

   Capital reserves                     EUR        257,213,535.00

 Items between shareholders' equity and

 debt capital                           EUR         20,196,283.00

  Special items with reserve funds      EUR         20,196,283.00

 Provisions                             EUR        312,226,222.00

  Pension provisions and comparable

  provisions                            EUR        107,047,937.00

  Other / unspecified provisions        EUR        205,178,285.00

 Liabilities                            EUR        549,002,622.00

  thereof total due to shareholders     EUR        340,309,561.00

  Financial debts                       EUR          2,502,526.00

   Liabilities due to banks             EUR          2,502,526.00

  Other liabilities                     EUR        546,500,096.00

   Trade creditors (for IAS incl. bills

   of exchange)                         EUR         98,747,222.00

   Liabililties due to related companiesEUR        398,870,549.00

   Liabilities due to investee companiesEUR          3,656,156.00

   Unspecified other liabilities        EUR         45,226,169.00

    thereof liabilities from tax /

    financial authorities               EUR         31,320,664.00

    thereof liabilities from social

    security                            EUR            396,184.00

 Other liabilities                      EUR          1,310,477.00

  Deferrals (liabilities)               EUR          1,310,477.00

 Guarantees and other commitments       EUR         21,805,291.00

  Guarantees / warranties               EUR         21,805,291.00

   Guarantees                           EUR         21,805,291.00

 

PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

Code (HGB)

 Sales                                  EUR      2,911,596,351.00

 Inventory change + own costs (+/-)     EUR          3,926,124.00

  Capitalised own costs                 EUR          3,926,124.00

 Other operating income                 EUR        156,536,477.00

 Cost of materials                      EUR      1,687,667,308.00

  Raw materials and supplies, purchased

  goods                                 EUR      1,687,667,308.00

 Gross result (+/-)                     EUR      1,384,391,644.00

 Staff expenses                         EUR        294,358,718.00

  Wages and salaries                    EUR        243,416,547.00

  Social security contributions and

  expenses for pension plans and

  benefits                              EUR         50,942,171.00

 Total depreciation                     EUR         33,946,496.00

  Depreciation on tangible / intangible

  asssets (incl. start-up and exp. of

  bus.                                  EUR         33,946,496.00

 Other operating expenses               EUR        898,586,104.00

 Operating result from continuing

 operations                             EUR        157,500,326.00

 Result from participating interests

 (+/-)                                  EUR         64,964,271.00

  Expenses / income from participations EUR         64,964,271.00

   Income from transfer of profits      EUR         11,809,556.00

   Income from related companies        EUR         53,154,715.00

 Expenses for the transfer of losses    EUR          2,251,976.00

 Interest result (+/-)                  EUR        -13,110,724.00

  Interest and similar income           EUR            103,942.00

   thereof from related companies       EUR              9,987.00

  Interest and similar expenses         EUR         13,214,666.00

   thereof paid to related companies    EUR          1,938,557.00

 Other financial result                 EUR                674.00

  Income from securities and loans from

  financial assets                      EUR                674.00

 Financial result (+/-)                 EUR         49,602,245.00

 Result from ordinary operations (+/-)  EUR        207,102,571.00

 Expenses for transfer of profits to a

 parent company                         EUR        206,990,378.00

 Income tax / refund of income tax (+/-)EUR             -1,843.00

 Other taxes / refund of taxes          EUR           -110,350.00

 Tax (+/-)                              EUR           -112,193.00

 Annual surplus / annual deficit        EUR                  0.00


FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.39

UK Pound

1

Rs.91.06

Euro

1

Rs.66.16

 

 

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

Report Prepared by :

ANK

 


 

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.