MIRA INFORM REPORT

 

 

Report No. :

318331

Report Date :

24.04.2015

 

IDENTIFICATION DETAILS

 

Name :

TEREX GLOBAL GMBH

 

 

Registered Office :

Bleicheplatz 2 8200 Schaffhausen/SH

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

23.01.2009

 

 

Com. Reg. No.:

290.4.016.364-4

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Subject is engaged in sale of machinery for mining, quarrying and construction machinery and equipment for the open pit, of shipment, transportation, recycling, refining, utility and maintenance industries. The company also provides various administrative services to the Group.

 

 

No. of Employee :

5

 

 

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)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

SWITZERLAND ECONOMIC OVERVIEW

 

Switzerland is a peaceful, prosperous, and modern market economy with low unemployment, a highly skilled labor force, and a per capita GDP among the highest in the world. Switzerland's economy benefits from a highly developed service sector, led by financial services, and a manufacturing industry that specializes in high-technology, knowledge-based production. Its economic and political stability, transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates also make Switzerland one of the world's most competitive economies. The Swiss have brought their economic practices largely into conformity with the EU's to enhance their international competitiveness, but some trade protectionism remains, particularly for its small agricultural sector. The fate of the Swiss economy is tightly linked to that of its neighbors in the euro zone, which purchases half of all Swiss exports. The global financial crisis of 2008 and resulting economic downturn in 2009 stalled export demand and put Switzerland in a recession. The Swiss National Bank (SNB) during this period effectively implemented a zero-interest rate policy to boost the economy as well as prevent appreciation of the franc, and Switzerland's economy began to recover in 2010. The sovereign debt crises currently unfolding in neighboring euro-zone countries pose a significant risk to Switzerland's financial stability and are driving up demand for the Swiss franc by investors seeking a safe-haven currency. The independent SNB has upheld its zero-interest rate policy and conducted major market interventions to prevent further appreciation of the Swiss franc, but parliamentarians have urged it to do more to weaken the currency. The franc's strength has made Swiss exports less competitive and weakened the country's growth outlook; GDP growth fell below 2% per year during 2011-13. Switzerland has also come under increasing pressure from individual neighboring countries, the EU, the US, and international institutions to reform its banking secrecy laws. Consequently, the government agreed to conform to OECD regulations on administrative assistance in tax matters, including tax evasion. The government has renegotiated its double taxation agreements with numerous countries, including the US, to incorporate the OECD standard, and is considering the possibility of imposing taxes on bank deposits held by foreigners. These steps will have a lasting impact on Switzerland's long history of bank secrecy

 

 

Source : CIA

 

 

 


Company name

 

TEREX GLOBAL GMBH

 

 

Operating address

 

Bleicheplatz 2

8200 Schaffhausen/SH

Switzerland/CH

 

Telephone:                   052 6334080

Fax:                             052 6334070

 

Web site:                      http://www.terex.com

E-mail:                         info@terex.com

 

WIN Worldbox No.:       CH0008140809

VAT-No.:                      CHE-114.687.395 MWST

UID-No.:                       CHE114687395

 

 

Profile

 

Established:                 2009

Line of Business:          Consulting/Auditing, Industrial goods wholesale, Consumer goods wholesale

Industry Division:          Services, Wholesale trade

Industry-code (NACE):  7010       Activities of head offices

                                    4663       Wholesale of mining, construction and civil engineering machinery

                                    4669       Wholesale of other machinery and equipment

Import/Export:              Import

Banks:                          unknown

 

 

Operational Figures

 

Coverage:                    Company

Figures:                        approximately

Financial year:              2015

Employees:                  5

Sales:                          CHF 10-20 Mio

 

 

Activity

 

The business comprises the sale of machinery for mining, quarrying and construction machinery and equipment for the open pit, of shipment, transportation, recycling, refining, utility and maintenance industries. The company also provides various administrative services to the Group.

 

 

Real Estate

 

Real Estate:                  The company does not appear to own any property.

 

 

Company Register

 

Company No:               290.4.016.364-4

UID-No.:                       CHE114687395

Legal form:                   Limited Liability Company

Registration:                 23.01.2009

Legal status:                 active

Responsible Register:   Handelsregister des Kantons Schaffhausen

History:                        Date of Incorporation Statutes: 21.01.2009

 

Entry          Deleted      Name

23.01.2009                    Terex Global GmbH

23.01.2009                    Terex Global S. à r. l. (Name translated)

23.01.2009                    erex Global Ltd liab. Co (Name translated)

 

Entry          Deleted      Legal domicile

23.01.2009                    Schaffhausen, Switzerland

 

Entry          Deleted      Address

30.12.2014                    Bleicheplatz 2, 8200 Schaffhausen/SH, Switzerland/CH

19.08.2010  30.12.2014  Mühlenstrasse 26, 8200 Schaffhausen/SH, Switzerland/CH

23.11.2009  19.08.2010  Schützengraben 20, 8200 Schaffhausen/SH, Switzerland/CH

23.01.2009  23.11.2009  c/o Klauser & Partner AG, Pestalozzistrasse 2, 8200 Schaffhausen, Switzerland/CH

 

Entry          Deleted      Capital

23.01.2009                    LLC Capital CHF 500,000

 

Entry          Deleted      Capital Structure

23.01.2009                    500 Participation shares of CHF 1,000.--

 

 

Management

 

Title                                           Name

General Manager                         Kevin Patrick Bradley

                                                  Citizen: United States of America

                                                  Residential address: Fairfield/CT, United States of America

                                                  single signature

                                                  Registered since: 27.03.2013

General Manager                         Dr. Heribert Bussmann

                                                  Citizen: Germany

                                                  Residential address:  Neuhausen am Rheinfall, Switzerland

                                                  single signature

                                                  Registered since: 07.08.2013

General Manager                         Joseph M. George

                                                  Citizen: United States of America

                                                  Residential address: 8000 Zürich, Switzerland

                                                  Born: 1956

                                                  single signature

                                                  Registered since: 12.04.2011

Chairman of the management      Eric I. Cohen

                                                  Citizen: United States of America

                                                  Residential address: Westport/CT, United States of America

                                                  single signature

                                                  Registered since: 23.01.2009

Member with signing authority      George Ellis

                                                  Citizen: United States of America

                                                  Residential address: Fairfield/CT, United States of America

                                                  single signature

                                                  Registered since: 28.05.2013

Member with signing authority      Stoyan (Steve) Filipov

                                                  Citizen: United States of America

                                                  Residential address: South Salem/NY, United States of America

                                                  Born: 1968

                                                  single signature

                                                  Registered since: 27.08.2009

Member with signing authority      Timothy Allen Ford

                                                  Citizen: United States of America

                                                  Residential address: New Canaan/CT, United States of America

                                                  single signature

                                                  Registered since: 07.08.2013

Member with signing authority      William Kieran Hegarty

                                                  Citizen: Ireland

                                                  Residential address:  Derry County , Ireland

                                                  single signature

                                                  Registered since: 28.03.2014

Member with signing authority      Scott Posner

                                                  Citizen: United States of America

                                                  Residential address: Westport/CT, United States of America

                                                  Born: 1974

                                                  single signature

                                                  Registered since: 27.08.2009

 

 

External Positions

 

Title                                           Name

Auditor                                       PricewaterhouseCoopers AG

                                                  Residential address: Zürich, Switzerland

                                                  Id: CH-020.3.020.876-5

                                                  Registered since: 23.01.2009

 

 

Ultimate Parent Company

 

Name:                          Terex Corporation

City/Country:                Westport/Connecticut, United States of America/US

 

 

Financial Data Terex Corporation

 

Consolidation:              consolidated

Industry:                       Trade/Industry

 

Fiscal year end:                                     31.12.2014        31.12.2013        31.12.2012        31.12.2011        31.12.2010

Number of months:                                      12                    12                    12                    12                    12

Currency:                                                mil. USD           mil. USD          mil. USD           mil. USD          mil. USD

Statement norm:                                   Local GAAP

 

 

Balance Sheet

 

Intangible fixed assets                                  1,456.4             1,690.4             1,719.7             1,778.3                492.9

Tangible fixed assets                                      690.3                789.4                806.8                835.5                573.5

other fixed assets                                           425.1                417.5                422.3                423.4                481.1

Fixed assets                                                2,571.8             2,897.3             2,948.8             3,037.2             1,547.5

 

Stocks                                                         1,460.9             1,613.2             1,632.2             1,758.1             1,448.7

Trade accounts receivable                             1,086.4             1,176.8             1,026.6             1,178.1                782.5

Liquid assets                                                  478.2                408.1                678.0                774.1                894.2

Securities                                                                                                                                  3.0                521.4

other trade accounts                                        330.7                441.3                460.6                300.2                322.1

Other current assets                                        808.9                849.4             1,138.6             1,077.3             1,737.7

Current assets                                             3,356.2             3,639.4             3,797.4             4,013.5             3,968.9

 

Total assets                                                 5,928.0             6,536.7             6,746.2             7,050.7             5,516.4

 

Capital                                                         1,252.7             1,248.7             1,261.9             1,273.0             1,265.4

Other shareholders funds                                 753.2                941.4                745.8                633.4                817.8

Total shareholders equity                            2,005.9             2,190.1             2,007.7             1,906.4             2,083.2

 

Minority interests                                               33.2                  78.6                270.5                278.1                 28.2

long term debt (financial debts)                     1,636.3             1,889.9             2,014.9             2,223.4             1,339.5

Other non current liabilities                               609.5                653.4                744.3                751.1                391.3

Non current liabilities                                  2,245.8             2,543.3             2,759.2             2,974.5             1,730.8

 

short term debt (financial debts)                       152.5                  86.8                 83.8                  77.0                346.8

Trade accounts payable                                   736.1                689.1                600.2                764.6                570.0

Accruals                                                         278.2                330.5                316.1                333.3                214.9

other accounts payable                                   476.3                618.3                708.7                716.8                542.5

other current liabilities                                      754.5                948.8             1,024.8             1,050.1                757.4

Current liabilities                                         1,643.1             1,724.7             1,708.8             1,891.7             1,674.2

 

Shareh. equity, min. int. & liabilities           5,928.0             6,536.7             6,746.2             7,050.7             5,516.4

 

 

Profit and loss account

 

Sales                                                           7,308.9             7,084.0             6,982.2             6,504.6

Net sales                                                      7,308.9             7,084.0             6,982.2             6,504.6             4,418.2

Operating revenue                                       7,308.9             7,084.0             6,982.2             6,504.6             4,418.2

 

Cost of goods sold                                      5,855.4             5,644.5             5,582.1             5,544.3             3,815.3

Gross profit                                                 1,453.5             1,439.5             1,400.1                960.3                602.9

Other operating expenses                             1,033.8             1,020.4             1,033.3                879.9                676.7

Operating result                                             419.7                419.1                366.8                  80.4                -73.8

 

Interest revenues                                                 6.6                   6.7                   8.8                  14.3                   9.8

other financial revenues                                                             13.3                   9.8                139.7

Financial income                                                 6.6                  20.0                 18.6                154.0                   9.8

Interest expenses                                            119.1                126.1                164.6                134.9                145.4

other financial expenses                                  323.4                  13.7                 92.6                  15.8                 28.9

Financial expenses                                          442.5                139.8                257.2                150.7                174.3

Financial result                                               -435.9               -119.8               -238.6                   3.3               -164.5

Result before extraordinary items                   -16.2                299.3                128.2                  83.7               -238.3

 

Extraordinary income                                        60.0                  17.0                 28.8                                       574.0

Extraordinary Result                                          60.0                  17.0                 28.8                   0.0                574.0

Result before taxes                                          43.8                316.3                157.0                  83.7                335.7

 

Taxes                                                               37.7                  87.4                 51.5                  43.0                -26.8

Result before minority interests                           6.1                228.9                105.5                  40.7                362.5

minority interests                                                0.4                  -4.7                  -1.7                  -4.5                   4.0

Result for the financial year                               5.7                233.6                107.2                  45.2                358.5

 

 

Cash flow

 

Depreciation                                                   155.7                152.3                153.0                126.6                 78.6

Cash flow                                                       161.8                381.2                258.5                167.3                441.1

Cash flow from operating activities                  410.7                188.5                292.3                  19.1               -610.1

Investments in tangible fixed assets                   81.5                  82.8                 82.5                  79.1                 55.0

Cash flow from investing activities                     95.0                 -37.4                -76.3               -592.5                903.8

Cash flow from financing activities                  -396.7               -420.1               -323.3                454.2               -315.7

Others                                                             -38.9                  -0.9                 11.2                  -0.9                -55.0

Change in liquidity                                             70.1               -269.9                -96.1               -120.1                -77.0

Liquidity at beginning of the year                     408.1                678.0                774.1                894.2                971.2

Liquidity at end of the year                              478.2                408.1                678.0                774.1                894.2

 

 

Notes

 

Research and Development                               86.9                  85.3                 71.7

Added value                                                   318.6                594.7                474.6                345.2                559.7

Working Capital                                            1,811.2             2,100.9             2,058.6             2,171.6             1,661.2

Sales per Employee                                            0.4                   0.3                   0.3                   0.3                   0.3

Gross cost land and buildings                         104.3                121.2                123.0                123.3                 78.4

Gross cost other tangible fixed assets          1,059.0             1,132.6             1,065.4             1,116.7                843.9

Gross cost total                                           1,163.3             1,253.8             1,188.4             1,240.0                922.3

 

Employees  at year end                                 20,400              20,500              21,300              22,600              16,300

Employees inland                                            6,700                6,400                5,900                5,600                5,600

Employees abroad                                        13,700              14,100              15,400              17,000              10,700

 

 

Owner/-s

 

No. of Owner/-s:           1

Owner:                         The company is foreign owned.

 

Class:                          100%

Type:                           direct, Group-Level 1

Name:                          Terex Corporation

City/Country:                Westport/Connecticut, United States of America/US

Capital share:               CHF 500,000.--

Interest:                        100,00% voting right, 100,00% capital interest

 

 

Sisters

 

Name:                          Amida Industries, Inc.

City/Country:                South Carolina/South Carolina, United States of America/US

 

Name:                          aptus 543.GmbH

City/Country:                Germany/DE

 

Name:                          Atlas Weyhausen Norge A/S

City/Country:                Norway/NO

 

Name:                          Cor 13.GmbH & Co. KG

City/Country:                Germany/DE

 

Name:                          Demag Mobile Cranes Gépgyártó Kft.

City/Country:                Hungary/HU

 

Name:                          Demag Mobile Cranes Spain, S.A.

City/Country:                Spain/ES

 

Name:                          Duvalpilot Equipment Outfitters, LLC

City/Country:                Florida/Florida, United States of America/US

 

Name:                          Fantuzzi Eurasia SRL

City/Country:                Italy/IT

 

Name:                          Fantuzzi France S.A.S.

City/Country:                France/FR

 

Name:                          Fantuzzi Group China Limited

City/Country:                China/CN

 

Name:                          Fantuzzi Noell Deutschland GmbH

City/Country:                Germany/DE

 

Name:                          Fantuzzi Noell Netherland B.V.

City/Country:                Belgium/BE

 

Name:                          Fantuzzi Reggiane Australasia Pty Ltd

City/Country:                Australia/AU

 

Name:                          Fantuzzi Reggiane Korea Ltd.

City/Country:                South Korea/KR

 

Name:                          Genie Germany GmbH

City/Country:                Germany/DE

 

Name:                          Genie Lease Management LLC

City/Country:                Delaware/Delaware, United States of America/US

 

Name:                          Genie Manufacturing, Inc.

City/Country:                Washington/Washington, United States of America/US

 

Name:                          Genie Portfolio Management LLC

City/Country:                Delaware/Delaware, United States of America/US

 

Name:                          Hercules Holding Deutschland AG

City/Country:                Germany/DE

 

Name:                          Hydra Platforms Mfg. Inc.

City/Country:                North Carolina/North Carolina, United States of America/US

 

Name:                          Iniziativa Sicilia SRL

City/Country:                Italy/IT

 

Name:                          LDA-III, LLC

City/Country:                Delaware/Delaware, United States of America/US

 

Name:                          Luzhou Changjiang Metal Structure Co., Ltd.

City/Country:                China/CN

 

Name:                          Luzhou Nanfang Recycling Co. Ltd.

City/Country:                China/CN

 

Name:                          PT Onjaya Kokoh

City/Country:                Indonesia/ID

 

Name:                          Reggiane Cranes and Plants SPA

City/Country:                Italy/IT

 

Name:                          Schaeff Machinery (Shanghai) Co., Ltd.

City/Country:                China/CN

 

Name:                          Sichuan Changjiang Engineering Crane Co., Ltd.

City/Country:                China/CN

 

Name:                          Simplicity Material Handling, Ltd.

City/Country:                Canada/CA

 

Name:                          Spinnaker Insurance Company

City/Country:                Vermont/Vermont, United States of America/US

 

Name:                          Terex (Changzhou) Machinery Co., Ltd.

City/Country:                China/CN

 

Name:                          Terex (China) Investment Co., Ltd.

City/Country:                China/CN

 

Name:                          Terex Cifali Equipamentos, Ltda.

City/Country:                Brazil/BR

 

Name:                          Terex Construction France SAS

City/Country:                France/FR

 

Name:                          Terex Cranes France SAS

City/Country:                France/FR

 

Name:                          Terex Cranes Pty. Ltd.

City/Country:                Australia/AU

 

Name:                          Terex Cranes Wilmington, Inc.

City/Country:                North Carolina/North Carolina, United States of America/US

 

Name:                          Terex Demag AB

City/Country:                Sweden/SE

 

Name:                          Terex Demag GmbH

City/Country:                Germany/DE

 

Name:                          Terex Deutschland GmbH

City/Country:                Germany/DE

 

Name:                          Terex Distribution Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex Equipment & Machinery España S.L.U.

City/Country:                Spain/ES

 

Name:                          Terex Equipment Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex Equipment Middle East LLC

City/Country:                United Arab Emirates/AE

 

Name:                          Terex Equipments Private Limited

City/Country:                Hyderabad/Andhra Pradesh, India/IN

 

Name:                          Terex European Holdings B.V.

City/Country:                Netherlands/NL

 

Name:                          Terex Fermec SA

City/Country:                France/FR

 

Name:                          Terex Financial Services Europe Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex Financial Services, Inc.

City/Country:                Delaware/Delaware, United States of America/US

 

Name:                          Terex GB Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex Germany GmbH & Co. K.G.

City/Country:                Germany/DE

 

Name:                          Terex GmbH

City/Country:                Germany/DE

 

Name:                          Terex India Private Limited

City/Country:                Bangalore/Karnataka, India/IN

 

Name:                          Terex International Financial Services Company

City/Country:                Northern Ireland/XN

 

Name:                          Terex Italia S.r.l.

City/Country:                Italy/IT

 

Name:                          Terex Japan K.K.

City/Country:                Japan/JP

 

Name:                          Terex Latin America Ltda.

City/Country:                Brazil/BR

 

Name:                          Terex Latin America, S. de R.L. de C.V.

City/Country:                Mexico/MX

 

Name:                          Terex Lifting Australia Pty. Ltd.

City/Country:                Australia/AU

 

Name:                          Terex Lifting U.K. Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex Middle East FZE

City/Country:                United Arab Emirates/AE

 

Name:                          Terex Netherlands Holdings B.V.

City/Country:                Netherlands/NL

 

Name:                          Terex NFLG (Quanzhou) Mobile Processing Equipment Co., Ltd.

City/Country:                China/CN

 

Name:                          Terex Pegson Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex Port Equipment

City/Country:                Belgium/BE

 

Name:                          Terex Port Equipment Southern Africa (Pty) Ltd

City/Country:                South Africa/ZA

 

Name:                          Terex Port Equipment UK Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex Powertrain Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex Receivables, LLC

City/Country:                Delaware/Delaware, United States of America/US

 

Name:                          Terex Roadbuilding Europe N.V.

City/Country:                Belgium/BE

 

Name:                          Terex Rus LLC

City/Country:                Russia/RU

 

Name:                          Terex S A (Proprietary) Limited

City/Country:                South Africa/ZA

 

Name:                          Terex (Sanhe) Engineering and Machinery Co. Ltd.

City/Country:                China/CN

 

Name:                          Terex Singapore Pte. Ltd.

City/Country:                Singapore/SG

 

Name:                          Terex (Tianjin) Co., Ltd.

City/Country:                China/CN

 

Name:                          Terex Topower (Shandong) Heavy Machinery Manufacturing Co., Ltd.

City/Country:                China/CN

 

Name:                          Terex United Kingdom Limited

City/Country:                United Kingdom/GB

 

Name:                          Terex USA, LLC

City/Country:                Delaware/Delaware, United States of America/US

 

Name:                          Terex Utilities Canada, Inc.

City/Country:                Canada/CA

 

Name:                          Terex Utilities, Inc.

City/Country:                Oregon/Oregon, United States of America/US

 

Name:                          Terex Verwaltungs GmbH

City/Country:                Germany/DE

 

Name:                          Terex-Demag Limited

City/Country:                United Kingdom/GB

 

Name:                          TerexLift S.r.l.

City/Country:                Italy/IT

 

Name:                          Terex-RO Corporation

City/Country:                Kansas/Kansas, United States of America/US

 

Name:                          Terex-Telelect, Inc.

City/Country:                Delaware/Delaware, United States of America/US

 

Name:                          Webster Schaeff & Co. 2000

City/Country:                United Kingdom/GB

 

 

Investments

 

It is believed that the company has no investments.

 

 

Financials

 

Balance sheet publication:     

The subject company does not publish balance sheet or turnover figures.

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

21.05.2014          2014                           0                                      Legal actions

31.12.2013          2013                           0                                      Legal actions

31.12.2012          2012                           0                                      Legal actions

31.12.2011          2011                           0                                      Legal actions

 

Official bankruptcy reports:

No bankruptcy publications available on the subject.

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 

 

Sanctions List

 

The company is not listed in the WorldCompliance database.

 

 

Payment experiences

 

Payment experiences from pre-legal collection cases:

No payment experiences from pre-legal collection cases are available.

                                 

Payment experiences from collection cases:

No payment experiences from legal collection cases are available.

 

Mode of payment / Business conduct:

There are no complaints about the mode of payment and the business conduct.

 

 

Credit Information

 

Financial Statements:    The company does not disclose any financial statements. Third parties are not permitted any insight into the financial affairs. It is therefore difficult to make a proper assessment of the actual situation.

 

Financial Situation:        The financial situation is considered to be good.

 

Payment experiences:   Financial obligations are paid very punctually.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.19

UK Pound

1

Rs.94.94

Euro

1

Rs.67.66

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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

--

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.