MIRA INFORM REPORT

 

 

Report No. :

318225

Report Date :

21.04.2015

 

IDENTIFICATION DETAILS

 

Name :

ANGANG GROUP HONG KONG CO. LTD.

 

 

Registered Office :

Room 3412-3413, 34/F., Convention Plaza, Office Tower, 1 Harbour Road, Wanchai

 

 

Country :

Hong Kong.

 

 

Date of Incorporation :

21.12.1998

 

 

Com. Reg. No.:

22169882

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Importer and Exporter of All kinds of iron and steel, iron ores

 

 

No. of Employee :

12

 

 

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)

Hong Kong

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

HONG KONG - ECONOMIC OVERVIEW

 

Hong Kong has a free market economy, highly dependent on international trade and finance - the value of goods and services trade, including the sizable share of re-exports, is about four times GDP. Hong Kong has no tariffs on imported goods, and it levies excise duties on only four commodities, whether imported or produced locally: hard alcohol, tobacco, hydrocarbon oil, and methyl alcohol. There are no quotas or dumping laws. Hong Kong's open economy left it exposed to the global economic slowdown that began in 2008. Although increasing integration with China, through trade, tourism, and financial links, helped it to make an initial recovery more quickly than many observers anticipated, its continued reliance on foreign trade and investment leaves it vulnerable to renewed global financial market volatility or a slowdown in the global economy. The Hong Kong government is promoting the Special Administrative Region (SAR) as the site for Chinese renminbi (RMB) internationalization. Hong Kong residents are allowed to establish RMB-denominated savings accounts; RMB-denominated corporate and Chinese government bonds have been issued in Hong Kong; and RMB trade settlement is allowed. The territory far exceeded the RMB conversion quota set by Beijing for trade settlements in 2010 due to the growth of earnings from exports to the mainland. RMB deposits grew to roughly 12% of total system deposits in Hong Kong by the end of 2013. The government is pursuing efforts to introduce additional use of RMB in Hong Kong financial markets and is seeking to expand the RMB quota. The mainland has long been Hong Kong's largest trading partner, accounting for about half of Hong Kong's total trade by value. Hong Kong's natural resources are limited, and food and raw materials must be imported. As a result of China's easing of travel restrictions, the number of mainland tourists to the territory has surged from 4.5 million in 2001 to 34.9 million in 2012, outnumbering visitors from all other countries combined. Hong Kong has also established itself as the premier stock market for Chinese firms seeking to list abroad. In 2012 mainland Chinese companies constituted about 46.6% of the firms listed on the Hong Kong Stock Exchange and accounted for about 57.4% of the Exchange's market capitalization. During the past decade, as Hong Kong's manufacturing industry moved to the mainland, its service industry has grown rapidly. Credit expansion and tight housing supply conditions have caused Hong Kong property prices to rise rapidly; consumer prices increased by more than 4% in 2013. Lower and middle income segments of the population are increasingly unable to afford adequate housing. Hong Kong continues to link its currency closely to the US dollar, maintaining an arrangement established in 1983. In 2013, Hong Kong and China signed new agreements under the Closer Economic Partnership Agreement, adopted in 2003 to forge closer ties between Hong Kong and the mainland. The new measures, effective from January 2014, cover services and trade facilitation, and will improve access to the mainland's service sector for Hong Kong-based companies.

 

Source : CIA

 

Company name and address

 

ANGANG GROUP HONG KONG CO. LTD.

 

 

ADDRESS:       Room 3412-3413, 34/F., Convention Plaza, Office Tower, 1 Harbour Road, Wanchai, Hong Kong.

 

PHONE:            852-2802 8318,  2231 7300

 

FAX:                 852-2802 8636

 

E-MAIL:            aghk@netvigator.com

 

 

MANAGEMENT

 

Managing Director:  Mr. Li Dongwei

 

 

SUMMARY

 

Incorporated on:            21st December, 1998.

 

Organization:                  Private Limited Company.

 

Issued Share Capital:     HK$787,769,350.00

 

Business Category:       Iron and Steel Trader.

 

Employees:                  12.

 

Main Dealing Banker:     China Development Bank Corporation Hong Kong Branch.

 

Banking Relation:          Good.

 

 

ADDRESS

 

Registered Head Office:-

Room 3412-3413, 34/F., Convention Plaza, Office Tower, 1 Harbour Road, Wanchai, Hong Kong.

 

Holding Company:-

Angang Group International Trade Corporation, China.

 

Ultimate Holding Company:-

Angang Group Company, China.

 

Associated Companies:-

Angang Australia Pty. Ltd., Australia.

Angang Cold Rolled Steel (Putian) Co. Ltd., China.

Angang Group Aluminium Powder Co. Ltd., China.

Angang Group Hong Kong (Holdings) Ltd., Hong Kong.  (same address)

Angang Group International Trade Corporation Bayuquan Co., China.

Angang Group International Trade Corporation Beijing Co., China.

Angang Group International Trade Corporation Dalian Co., China.

Angang Group International Trade Corporation Northwest Co., China.

Angang Group International Trade Corporation Shanghai Co., China.

Angang Group International Trade Corporation Shenzhen Co., China.

Angang Group International Trade Corporation Spot Sale Co., China.

Angang Group International Trade Corporation Yantai Co., China.

Angang Group International Trade Corporation Zhongnan Co., China.

Angang Group Investment (Australia) Pty. Ltd., Australia.

Angang Steel Distribution (Hefei) Co. Ltd., China.

Angang Steel Distribution (Wuhan) Co. Ltd., China.

Angang Steet Co. Ltd., China.  (A listed firm in Hong Kong)
[Formerly known as New Steel Co. Ltd.]

China Niobium Investment Holdings Ltd., Hong Kong.

Gindalbie Metals Ltd., Australia.

Guangzhou Angang Steel Processing Co. Ltd., China.

Karara Mining Ltd., Australia.

Pangang Group Co. Ltd., China.

Pangang Group Steel Vanadium & Titanium Co. Ltd., China.

Processing Co. Ltd., China.

Tianjin Angang Tiantie Cold Rolled Sheets Group Ltd., China.

 

 

BUSINESS REGISTRATION NUMBER

 

22169882

 

 

COMPANY FILE NUMBER

 

0663041

 

 

MANAGEMENT

 

Managing Director:  Mr. Li Dongwei

 

 

ISSUED SHARE CAPITAL

 

HK$787,769,350.00

 

 

SHAREHOLDER

 

(As per registry dated 21-12-2014)

Name

 

No. of shares

Angang Group International Trade Corporation

322 South Zhong Hua Road, Anshan, Liaoning, China.

 

787,769,350

=========

 

 

DIRECTORS

 

(As per registry dated 21-12-2014)

Name

(Nationality)

 

Address

LI Daguang

Room 3412-3413, 34/F., Convention Plaza, Office Tower, 1 Harbour Road, Wanchai, Hong Kong.

 

ZHANG Xiaogang

Flat 5, 6/F., Block C, Great George Building, 11 Great George Street, Causeway Bay, Hong Kong.

 

LI Dongwei

Flat 5, 6/F., Block C, Great George Building, 11 Great George Street, Causeway Bay, Hong Kong.

 

YU Wanyuan

Flat 5, 6/F., Block C, Great George Building, 11 Great George Street, Causeway Bay, Hong Kong.

 

YI Li

5-1-25, No. 19 Building, Eleventh District, Tiedong, Anshan, Liaoning, China.

 

YAO Lin

No. 3-5-34, No. 406 Building, Zhonghua Road, Tiedong, Anshan, Liaoning, China.

 

TANG Fuping

No. 21, 5/F., Second Unit, No. 75 Building, Wenhua Street, Tiedong, Anshan, Liaoning, China.

 

 


SECRETARY

 

(As per registry dated 21-12-2014)

Name

Address

GE Suying

Room 3412-3413, 34/F., Convention Plaza, Office Tower, 1 Harbour Road, Wanchai, Hong Kong.

 

 

HISTORY

 

The subject was incorporated on 21st December, 1998 as a private limited liability company under the Hong Kong Companies Ordinance.

 

Formerly the subject was located at Room 1706-1707, 17/F., Shui On Centre, 6-8 Harbour Road, Wanchai, Hong Kong, moved to the present address in December 2003.

 

Apart from these, neither material change nor amendment has been ever traced and noted

.

 

OPERATIONS

 

Activities:                      mporter and Exporter.

 

Lines:                           All kinds of iron and steel, iron ores

 

Employees:                  12.

 

Commodities Imported: Imported from Europe, South America, Japan

 

Markets:                        North America, Europe and Southeast Asia, Middle East

 

Terms/Sales:                 As per contracted.

 

Terms/Buying:               Various terms.

 

 

FINANCIAL INFORMATION

 

Issued Share Capital:     HK$787,769,350.00

 

Mortgage or Charge:      (See attachment)

 

Profit & Loss:               Made a small profit in 2013.

 

Condition:                     Keeping in an active state.

 

Facilities:                      Making active use of general banking facilities.

 

Payment:                      So far so good.

 

Commercial Morality:  Good.

 

Bankers:-

China Development Bank Corporation Hong Kong Branch.

BNP Paribas, Hong Kong Branch.

Industrial & Commercial Bank of China (Asia) Ltd., Hong Kong.

Standard Chartered Bank (HK) Ltd., Hong Kong.

The Hongkong & Shanghai Banking Corp. Ltd., Hong Kong.

 

Standing:  Very Good.

 

 

GENERAL

 

Angang Group Hong Kong Co. Ltd. is a wholly-owned subsidiary of Angang Group International Trade Corporation which is a China-based firm.  The ultimate holding company of the subject is Angang Group Company, also a China-based firm.

 

The subject is mainly engaged in importing iron ore, exporting steel products, ocean shipment and relevant bank business.  It is providing customers with professional service.  It has had a stable customer base in North America, Europe and Southeast Asia.  The subject is playing an important role for the internationalisation of the Angang Group.  It will continue to expand its steel products trading business and also bids for international engineering projects, technology exchange, etc.  Furthermore, as an overseas trading arm of the Angang Group, the subject will establish branches in the United States and Europe so as to penetrate the markets further.

 

The Angang Group’s products include hot rolling plate, cool rolling plate, medium and heavy plate, section products, section steel wire roll, seamless steel pipe.

 

In Hong Kong, the subject has had a main associated company known as Angang Steel Co. Ltd. [ASCL] which is a listed firm in Hong Kong.  It bears stock code 347.

 

The subject’s main affiliated company is Angang Group International Trade Corporation [AGITC].  AGITC is also a wholly-owned subsidiary of Angang Group.

 

AGITC is one of the first international trade enterprises in China’s metallurgical field that has got the right in importing and exporting.  It is the exclusive agent to do the import and export business for the Angang Group and it is also the bridge linking the Angang Group and the rest of the world.  AGITC’s annual imports and exports totalling about US$450 million.  AGITC is the main firm to sell the Angang Group’s products in China and abroad.  Every year, AGITC sells about 4 million tons of iron and steel and the annual consolidated sales amounted to nearly RMB10 billion Yuan.  AGITC has had 8 branches in the economic zones and in some large cities of China.  It also has 25 sales offices.

The subject is one of the two overseas branches while the other one is in Australia.  AGITC also has set up branch companies in the United States and in some of the European Countries.  Now, AGITC has got more than 600 business partners in over 40 countries and regions throughout the world.  Over 90% of the steel products sold by AGITC have been manufactured according to the international standards.  Besides, the products of the Angang Group have got the ISO 9002 certification.

 

AGITC has more than 10 scientific and technical research and engineering institutes in China.

 

AGITC exports about one million tons of steel products annually.  Main products are plates, hot rolled coils, cold rolled coils, heavy rail, petroleum pipes, section steel, wire rod, slab and billet, pig iron and so on.  Prime markets and regions include Southeast Asia, Europe, North America, South America, the Middle East, Japan, South Korea, Hong Kong, Taiwan

 

AGITC also imports raw materials and fuels needed by the Angang Group such as iron ore, scrap, HBI powder, etc.  AGITC also exports all kinds of by‑products such as industrial refractory material, coking coal and series of chemical products.  Raw materials and fuels are mainly imported from Australia, India, South Africa, Brazil, Japan, Europe, North America, etc.  The refractory and chemical products are mainly exported to Japan, South Korea, Russia, Europe, and Southeast Asia.  Business has been active.

 

ASCL (formerly known as Angang New Steel Company Limited) was formally established on the 8th May 1997 as a joint-stock limited company.

 

ASCL was established as a joint-stock limited company under the Company Law of the People’s Republic of China (the “PRC”), with Anshan Iron & Steel Group Company (“Angang Holding”) as the sole promoter.

 

The Company was subsequently listed on The Stock Exchange of Hong Kong Limited on 24th July 1997.

 

ASCL recorded a net profit attributable to shareholders of RMB770 million Yuan for the year ended 31st December 2013.  The net loss attributable to shareholders of the Company for the year ended 31st December 2012 was RMB4,025 million Yuan.

 

The operating income of ASCL in the FY 2013 amounted to RMB75,329 million Yuan (2012: RMB78,214 million Yuan).

 

For the 9 months ended 30th September 2014, the operating income of ASCL amounted to RMB57,186 million Yuan (same period of 2013: RMB56,106 million Yuan).  Net profit attributable to shareholders was RMB923 million Yuan (same period of 2013: RMB765 million Yuan).

 

In 2013, the steel and iron industry of China remained sluggish.  The contradictory relationship between supply and demand was still severe.  The price of iron ore remained high but that of steel stayed low.  However, the situation has been changed in FY 2014.

 

The legal representative of ASCL is Zhang Xiaogang who is one of the directors of the subject.

As at 31st December 2013, ASCL had 33,520 employees.

 

The subject is fully supported by the Angang Group.

 

On the whole, consider the subject good for normal business engagements.

 

 

REMARK

 

Brief personal profile of the principal director:-

 

Mr. ZHANG Xiaogang, professor-level senior engineer holding a PhD degree in engineering, is the Chairman of the ASCL and Angang Holding, Chairman as well as General Manager of Angang Group Company.  Mr. Zhang has obtained a bachelor’s degree from Wuhan University, a master’s degree from North-eastern University and a PhD degree from the Central Iron & Steel Research Institute.  He has been working for Angang Group Company over 30 years and has held various senior management positions in Angang Group Company, including the Head of the Technology Department and the Deputy Chief Engineer of Angang Holding, the General Manager of ANSI and the Standing Deputy General Manager of Angang Holding. He is an alternate member of the Seventeenth Central Committee of the Communist Party of China, a representative of the Eleventh National People’s Congress and a member of the Eighteen Session of the Central Committee for Discipline Inspection of the Communist Party of China.  Mr. Zhang is an expert in metallurgical industry with extensive knowledge in the development and innovation of metallurgical technology.  He was a member of the expert panel in the “State 863 and 973 Projects”, Chairman of China Iron and Steel Association, and was awarded the First Prize for Scientific and Technological Progress by the State.  Mr. Zhang is currently the Chairman of World Steel Association, a member of the expert panel of the Standardization Administration of China, the Director of the Steel Rolling Academic Committee, the Chairman of International Organization for Standardization ISO/PC17/SC17 and the Director of Low Alloy Steel Academic Committee of The Chinese Society for Metals.

 

Mr. YU Wanyuan, Director of the Company, Deputy General Manager and Chief accountant of Angang Group Company and a professor-level senior accountant.  Mr. Yu joined Angang Holding in 1998.  Mr. Yu graduated from Northeastern Univesity with a bachelor’s degree in mechanical engineering.  He studied at School of Economics of Xiamen University in 1984.  He obtained his second bachelor’s degree in management engineering from Northeastern University in 1990.  Mr. Yu has held positions as Deputy Director of financial Department of Northeastern University, the Accounting Director of Shenyang Xinji Real Estate Development Company, Deputy Chief Accountant of Northeastern University, the Assistant to General Manager, Deputy Chief Accountant, Chief Accountant and the Head of the Department of Finance and Accounting of Angang Holding.

 

 

MORTGAGE OR CHARGE

 

Date

Particulars

Amount

24-10-2000

Instrument:        Charge Over Deposits – CD 1(89)

Property:

1)         By fixed Charge:  all the Company’s rights in respect of (i) Time deposit of US$780,000; and (ii) all other sums in any currency from time to time standing to the credit of the Company or the credit of any other person for the Company’s benefit on any deposit account with the Bank, Standard Chartered Asia Ltd. or Standard Chartered Finance Ltd., including additions to or renewals or replacements of such sum; and all interest thereon

2)         By assignment:  all Deposits held with Standard Chartered Asia Ltd. or Standard Chartered Finance Ltd.

Mortgagee:        Standard Chartered Bank, Hong Kong Branch.  [Now known as Standard Chartered Bank (HK) Ltd.]

To secure the payment or discharge of all moneys, obligations and liabilities, actual or contingent, now or at any time due, owing or incurred by the Company to the Bank whether alone or jointly and whether as principal or as surety

29-10-2001

Instrument:        Deed of Charge on Deposit

Property:

The Charged Moneys as defined in the Deed of Charge on Deposit Account No. 00001-065406-141-59

Mortgagee:        BNP Paribas, Hong Kong Branch.

The Liabilities as defined in the Deed of Charge on Deposit

24-04-2002

Instrument:        Charge on Cash Deposit

Property:

A first fixed charge on a deposit dated 24-04-2002 of variable amount covering outstanding obligations

Mortgagee:        Fortis Bank Asia HK, Hong Kong Branch.  [Name changed to Belgian Bank but the business was taken over by Industrial & Commercial Bank of China (Asia) Ltd.]

To secure all obligations and liabilities

12-08-2004

Instrument:        Assignment of DC Proceeds re export bills restricted to other banks for negotiation/payment

Property:

By way of assignment or agreement to assign in each case as beneficial owner.  All monies in any currency representing proceeds payable or to be paid to the Customer under the Documentary Credits, all the Customer’s right, title and interest in the said Documentary Credits and the benefit of all powers and remedies for enforcing the Documentary Credits

Mortgagee:        The Hongkong & Shanghai Banking Corp. Ltd., Hong Kong.

All loans or other advances made or to be made by the Bank to the Customer against documents submitted under a Documentary Credit, all monies and liabilities in any currency owing by the Customer to the Bank at any time, whether separately or jointly, actually or contingently, present or future, interest on all loans and advances and such monies and all expenses of the Bank in perfecting or enforcing the Assignment

31-08-2011

Instrument:        Subordination & Assignment Deed made between the company, China Niobium Investment Holdings Ltd and the Lender

Property:

By way of Clause 3.1 (Assignment) of the Deed, the Subordinated Lender, as beneficial owner and as continuing security for the irrevocable and unconditional payment or discharge of all Senior liabilities, assigns absolutely to the Lender all its rights, title and interest and benefit from time to time in respect of:-

A)         All of its Shareholder Loan Rights;

B)         Each Subordinated Instrument to which the Subordinated Lender is a party.

Mortgagee:        China Development Bank Corporation, Hong Kong Branch.

To Senior liabilities, as per the facility Agreement dated 31st August, 2011

31-08-2011

Instrument:        Share Charge Over the entire share capital of china Niobium Investment Holdings Ltd. made between the chargors, the Borrower and the Chargee

Property:

By Clause 2.1 of the Charge of the Charge, in consideration of the Chargee agreeing to make the facility available to the Borrower upon the terms and conditions of the Finance Documents, the Chargor as legal and beneficial owner of the Shares, hereby charges the Security Assets owned by it to the Chargee by way of first fixed charge as continuing security for the payment and discharge of the Secured Obligations

Mortgagee:        China Development Bank Corporation, Hong Kong Branch.

To Secured Obligations as per Facility Agreement dated 31st August, 2011.

21-12-2011

Instrument:        Account Chargee dated 21st December 2011

Property:

1) General

(a) All the security created under the Deed:-

i)          Is created in favour of the Lender;

ii)          Is created over present and future assets of the Chargor; and

iii)         Is security for the payment and discharge of all the Secured Liabilities

2) Credit balances

The Chargor, agrees to charge by way of a first fixed charge all of its rights in respect of any amount standing to the credit of each Security Account and the debt represented by it in favour of the Lender

Mortgagee:        Standard Chartered Bank (Hong Kong) Ltd., Hong Kong.

All present and future obligations and liabilities of the Chargor to the Lender under each Finance Document:-

a)         The US$125,000,000 term loan facilities agreement dated 21st December 2011;

b)         An AUD Repayment Election Notice;

c)         A Fee Letter;

d)         A Forex Forward Confirmation;

e)         The Letter of Comfort;

f)          A Security Document;

g)         A Spot Confirmation;

h)         A Utilisation Request;

i)          Any other document designated as such by the Lender and the Chargor.

21-12-2011

Instrument:        Assignment of Intercompany Loan

Property:

1) General

(a) All the security created under the Deed:-

i)          Is created in favour of the Lender;

ii)          Is created over present and future assets of the Assignor; and

iii)         Is security for the payment, discharge and performance of all the Secured Liabilities

2) Intercompany Loan

The Assignor, as beneficial owner and as security for the payment and discharge of all Secured Liabilities, assigns and agrees to assign absolutely, subject to a proviso for re-assignment on redemption, all of its rights in respect of the Intercompany Loan and Intercompany Loan Agreement in favour of the Lender

Mortgagee:        Standard Chartered Bank (Hong Kong) Ltd., Hong Kong.

All present and future obligations and liabilities under each Finance Document:-

a)         The US$125,000,000 term loan facility agreement 21st December, 2011;

b)         An AUD Repayment Election Notice;

c)         A Fee Letter;

d)         A Forex Forward Confirmation;

e)         The Letter Forward Comfort;

f)          A Security Document;

g)         A Spot Confirmation;

h)         A Utilisation Request; or

i)          Any other document designed as such by the Lender and the Assignor

29-04-2013

Instrument:        Trade Finance Security Assignment

Property:

1.         By way of fixed charge all the Chargor’s right, title, interest and benefit from time to time in and to any amount standing to the credit of the Charged Account and the debt represented by it.

2.         By way of assignment, all the Chargor’s right, title, interest and benefit from time to time in and to the Assigned Assets.

Mortgagee:        Standard Chartered Bank (Hong Kong) Ltd., Hong Kong.

To secure the payment and satisfaction of all present and future obligations and liabilities

 

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.56

UK Pound

1

Rs.93.56

Euro

1

Rs.67.49

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

ASH

 

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.