MIRA INFORM REPORT

 

 

Report No. :

337106

Report Date :

19.08.2015

 

IDENTIFICATION DETAILS

 

Name :

BENZLER (MALAYSIA) SDN. BHD.

 

 

Formerly Known As :

BENZLER-SALA (MALAYSIA) SDN BHD


HUKUMAS SDN BHD

 

 

Registered Office :

Wisma Goshen,2nd Flr, 60 & 62,Jalan Ss 22/21, Damansara Jaya,P.Jaya,Sel., 47400 Petaling Jaya, Selangor

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2008

 

 

Date of Incorporation :

11.10.1983

 

 

Com. Reg. No.:

107816-K

 

 

Legal Form :

Private Limited (Limited By Share)

 

 

Line of Business :

Not Available

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

C

 

RATING

STATUS

PROPOSED CREDIT LINE

<10

C

Absolute credit risk exists. Caution needed to be exercised

Credit not recommended

 

Status :

Dissolved

 

 

Payment Behaviour :

--

 

 

Litigation :

--

 

 

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 – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Malaysia

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

MALAYSIA - ECONOMIC OVERVIEW

 

Malaysia, a middle-income country, has transformed itself since the 1970s from a producer of raw materials into an emerging multi-sector economy. Under current Prime Minister NAJIB, Malaysia is attempting to achieve high-income status by 2020 and to move farther up the value-added production chain by attracting investments in Islamic finance, high technology industries, biotechnology, and services. NAJIB's Economic Transformation Program (ETP) is a series of projects and policy measures intended to accelerate the country's economic growth. The government has also taken steps to liberalize some services sub-sectors. The NAJIB administration also is continuing efforts to boost domestic demand and reduce the economy's dependence on exports. Nevertheless, exports - particularly of electronics, oil and gas, palm oil and rubber - remain a significant driver of the economy. As an oil and gas exporter, Malaysia has previously profited from higher world energy prices, although the rising cost of domestic gasoline and diesel fuel, combined with sustained budget deficits, has forced Kuala Lumpur to begin to address fiscal shortfalls, through initial reductions in energy and sugar subsidies and the announcement of the 2015 implementation of a 6% goods and services tax. Falling global oil prices in the second half of 2014 have strained government finances, shrunk Malaysia’s current account surplus and put downward pressure on the ringgit. The government is also trying to lessen its dependence on state oil producer Petronas. The oil and gas sector supplied about 29% of government revenue in 2014. Bank Negara Malaysia (central bank) maintains healthy foreign exchange reserves, and a well-developed regulatory regime has limited Malaysia's exposure to riskier financial instruments and the global financial crisis. Nevertheless, Malaysia could be vulnerable to a fall in commodity prices or a general slowdown in global economic activity because exports are a major component of GDP. In order to attract increased investment, NAJIB earlier raised possible revisions to the special economic and social preferences accorded to ethnic Malays under the New Economic Policy of 1970, but retreated in 2013 after he encountered significant opposition from Malay nationalists and other vested interests. In September 2013 NAJIB launched the new Bumiputra Economic Empowerment Program (BEEP), policies that favor and advance the economic condition of ethnic Malays. Malaysia is a member of the 12-nation Trans-Pacific Partnership free trade agreement negotiations and, with the nine other ASEAN members, will form the ASEAN Economic Community in 2015.

 

Source : CIA

 

EXECUTIVE SUMMARY

 

REGISTRATION NO.

:

107816-K

COMPANY NAME

:

BENZLER (MALAYSIA) SDN. BHD.

FORMER NAME

:

BENZLER-SALA (MALAYSIA) SDN BHD (08/09/1988)
HUKUMAS SDN BHD (09/02/1984)

INCORPORATION DATE

:

11/10/1983

COMPANY STATUS

:

DISOLVED

LEGAL FORM

:

PRIVATE LIMITED (LIMITED BY SHARE)

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

WISMA GOSHEN,2ND FLR, 60 & 62,JALAN SS 22/21, DAMANSARA JAYA,P.JAYA,SEL., 47400 PETALING JAYA, SELANGOR, MALAYSIA.

BUSINESS ADDRESS

:

N/A

TEL.NO.

:

N/A

FAX.NO.

:

N/A

CONTACT PERSON

:

N/A

INDUSTRY CODE

:

0

PRINCIPAL ACTIVITY

:

DORMANT

AUTHORISED CAPITAL

:

MYR 1,000,000.00 DIVIDED INTO
ORDINARY SHARE 1,000,000.00 OF MYR 1.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 513,356.00 DIVIDED INTO
ORDINARY SHARES 513,356 CASH OF MYR 1.00 EACH.

SALES

:

N/A

NET WORTH

:

N/A

STAFF STRENGTH

:

N/A

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

N/A

PAYMENT

:

N/A

MANAGEMENT CAPABILITY

:

N/A

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

N/A

INDUSTRY OUTLOOK

:

NOT YET DETERMINED

 

 

HISTORY / BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act, 1965 and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

 

The Subject is principally engaged in the (as a / as an) dormant.

 

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

 

Share Capital History

Date

Authorised Shared Capital

Issue & Paid Up Capital

15/02/2013

MYR 1,000,000.00

MYR 513,356.00

 

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

 

Current Shareholder(s) :

Name

Address

IC/PP/Loc No

Shareholding

(%)

AKTIEBOLAGET BENZLERS

-

XLZ00209451

513,356.00

100.00

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

------

513,356.00

100.00

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

=====

+ Also Director

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

MR. YAU CHOY LIANG

Address

:

15, JALAN JUJOR 1/6, TAMAN BAKTI, SELANGOR, MALAYSIA.

IC / PP No

:

4541507

New IC No

:

531223-08-5893

Date of Birth

:

23/12/1953

Nationality

:

MALAYSIAN

Date of Appointment

:

16/01/1984

 

DIRECTOR 2

 

Name Of Subject

:

MS. KOK SIEW KUAN

Address

:

F4-01-07, SUBANG PERDANA COURT 8, SELANGOR, MALAYSIA.

IC / PP No

:

5759917

New IC No

:

590908-10-5746

Date of Birth

:

08/09/1959

Nationality

:

MALAYSIAN

Date of Appointment

:

01/04/2004

 

DIRECTOR 3

 

Name Of Subject

:

THOMAS RAYMOND CROSS

Address

:

21,MILL ROAD, KILMORE, VICTORIA, AUSTRALIA., AUSTRALIA.

IC / PP No

:

E6301343

Date of Appointment

:

21/11/2002

 

 

MANAGEMENT

 

No data found in our databank.

 

 

AUDITOR

 

Auditor

:

ERNST & YOUNG

Auditor' Address

:

MENARA MILENIUM, JALAN DAMANLELA, PUSAT BANDAR DAMANSARA, DAMANSARA HEIGHTS, LEVEL 23A, 50490 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MS. LAM LEE SAN

IC / PP No

:

A2855638

New IC No

:

740810-14-5740

Address

:

B-02-17, SRI CAMELLIA APARTMENT, JALAN PUTERI 7/15, BANDAR PUTERI PUCHONG, 47100 PUCHONG, SELANGOR, MALAYSIA.

 

2)

Company Secretary

:

MS. ENG SOO FUNN

IC / PP No

:

6895202

New IC No

:

621011-08-5946

Address

:

62, JALAN 14/15, 46100 PETALING JAYA, SELANGOR, MALAYSIA.

 

 

BANKING

 

No Banker found in our databank.

 

 

ENCUMBRANCE (S)

 

No encumbrance was found in our databank at the time of investigation.


LITIGATION CHECK AGAINST SUBJECT


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

No legal action was found in our databank.

No winding up petition was found in our databank.

 

 

DEFAULTER CHECK AGAINST SUBJECT

 

* We have checked through the Subject in our defaulters' database which comprised of debtors that have been blacklisted by our customers and debtors that have been placed or assigned to us for collection.

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

 

PAYMENT RECORD

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A

 

 

CLIENTELE

 

No data found in our databank.

 

 

OPERATIONS

 

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) dormant.

 

 

CURRENT INVESTIGATION

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

N/A

Match

:

N/A

Address Provided by Client

:

N/A

Current Address

:

N/A

Match

:

N/A

Latest Financial Accounts

:

NO

 

Other Investigations


We were unable to contact the Subject and its Directors.


Based on the registry, the Subject had already been disolved.

                                                                                              

 

FINANCIAL ANALYSIS

 

The Subject is a dormant company. Thus it is not appropriate for us to comment on the Subject's financial performance.

Overall financial condition of the Subject : N/A

 

 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2011

2012

2013

2014*

2015**

Population ( Million)

28.7

29.3

29.8

30.3

30.5

Gross Domestic Products ( % )

5.1

5.6

5.3

6.0

6.0

Domestic Demand ( % )

8.2

9.4

5.6

6.4

6.2

Private Expenditure ( % )

8.2

8.0

8.6

7.9

6.9

Consumption ( % )

7.1

1.0

5.7

6.5

5.6

Investment ( % )

12.2

11.7

13.3

12.0

10.7

Public Expenditure ( % )

8.4

13.3

4.4

2.3

4.2

Consumption ( % )

16.1

11.3

(1.2)

2.1

3.8

Investment ( % )

(0.3)

15.9

4.2

2.6

4.7

Balance of Trade ( MYR Million )

116,058

106,300

71,298

52,314

-

Government Finance ( MYR Million )

(45,511)

(42,297)

(39,993)

(37,291)

-

Government Finance to GDP / Fiscal Deficit ( % )

(5.4)

(4.5)

(4.0)

(3.5)

(3.0)

Inflation ( % Change in Composite CPI)

3.1

1.6

2.5

3.2

4.0

Unemployment Rate

3.3

3.2

3.0

2.9

3.0

Net International Reserves ( MYR Billion )

415

427

-

417

-

Average Risk-Weighted Capital Adequacy Ratio ( % )

3.50

2.20

-

4.00

-

Average 3 Months of Non-performing Loans ( % )

14.80

14.70

-

-

-

Average Base Lending Rate ( % )

6.60

6.53

6.53

6.85

-

Business Loans Disbursed( % )

15.3

32.2

-

56.0

-

Foreign Investment ( MYR Million )

23,546.1

26,230.4

38,238.0

43,486.6

-

Consumer Loans ( % )

-

-

-

-

-

Registration of New Companies ( No. )

45,455

45,441

46,321

49,144

-

Registration of New Companies ( % )

3.0

(0.0)

1.9

6.1

-

Liquidation of Companies ( No. )

132,485

17,092

26,430

21,753

-

Liquidation of Companies ( % )

417.8

(87.1)

54.6

(17.7)

-

Registration of New Business ( No. )

284,598

324,761

329,895

332,723

-

Registration of New Business ( % )

5.0

14.0

2.0

1.0

-

Business Dissolved ( No. )

20,121

20,380

18,161

21,436

-

Business Dissolved ( % )

1.9

1.3

(10.9)

18.0

-

Sales of New Passenger Cars (' 000 Unit )

535.1

552.2

576.7

598.4

610.3

Cellular Phone Subscribers ( Million )

35.3

38.5

43.0

43.8

-

Tourist Arrival ( Million Persons )

24.7

25.0

25.7

28.0

-

Hotel Occupancy Rate ( % )

60.6

62.4

62.6

63.2

-

Credit Cards Spending ( % )

15.6

12.6

-

13.5

-

Bad Cheque Offenders (No.)

32,627

26,982

28,876

-

-

Individual Bankruptcy ( No.)

19,167

19,575

21,984

-

-

Individual Bankruptcy ( % )

5.8

2.1

12.3

-

-

 

 

INDUSTRIES ( % of Growth ):

2011

2012

2013

2014*

2015**

Agriculture

5.8

1.0

2.1

3.8

3.1

Palm Oil

10.8

(0.3)

2.6

6.7

-

Rubber

6.1

(7.9)

(10.1)

(10.4)

-

Forestry & Logging

(7.6)

(4.5)

(7.8)

(4.2)

-

Fishing

2.1

4.3

1.6

2.7

-

Other Agriculture

7.1

6.4

8.2

6.2

-

Industry Non-Performing Loans ( MYR Million )

634.1

-

-

-

-

% of Industry Non-Performing Loans

3.2

-

-

-

-

Mining

(5.4)

1.4

0.9

(0.8)

2.8

Oil & Gas

(1.7)

-

-

3.0

-

Other Mining

-

-

-

46.6

-

Industry Non-performing Loans ( MYR Million )

46.5

-

-

-

-

% of Industry Non-performing Loans

0.1

-

-

-

-

Manufacturing #

4.7

4.8

3.4

6.4

5.5

Exported-oriented Industries

4.1

6.5

3.3

5.6

-

Electrical & Electronics

(4.0)

12.7

6.9

13.3

-

Rubber Products

20.7

3.0

11.7

(0.3)

-

Wood Products

(5.1)

8.7

(2.7)

5.1

-

Textiles & Apparel

13.2

(7.1)

(2.6)

11.5

-

Domestic-oriented Industries

10.7

1.7

6.8

9.4

-

Food, Beverages & Tobacco

4.80

2.70

3.60

6.13

6.13

Chemical & Chemical Products

10.0

10.8

5.6

1.4

-

Plastic Products

3.8

-

-

2.7

-

Iron & Steel

2.2

(6.6)

5.0

0.1

-

Fabricated Metal Products

21.8

13.8

9.9

2.9

-

Non-metallic Mineral

12.1

2.9

(2.0)

5.4

-

Transport Equipment

12.0

3.4

13.8

22.9

-

Paper & Paper Products

9.5

3.1

1.8

4.7

-

Crude Oil Refineries

9.3

-

-

13.0

-

Industry Non-Performing Loans ( MYR Million )

6,537.2

-

-

-

-

% of Industry Non-Performing Loans

25.7

-

-

-

-

Construction

4.7

18.6

10.9

12.7

10.7

Industry Non-Performing Loans ( MYR Million )

3,856.9

-

-

-

-

% of Industry Non-Performing Loans

10.2

-

-

-

-

Services

7.1

6.4

5.9

5.9

5.6

Electric, Gas & Water

3.5

4.4

4.2

3.6

3.9

Transport, Storage & Communication

6.50

7.10

7.30

7.50

7.15

Wholesale, Retail, Hotel & Restaurant

5.2

4.7

5.9

6.9

6.5

Finance, Insurance & Real Estate

6.90

9.70

3.70

4.65

4.25

Government Services

12.4

9.4

8.3

6.1

5.6

Other Services

5.1

3.9

5.1

4.8

4.5

Industry Non-Performing Loans ( MYR Million )

6,825.2

-

-

-

-

% of Industry Non-Performing Loans

23.4

-

-

-

-

* Estimate / Preliminary

** Forecast

# Based On Manufacturing Production Index 

 

 

INDUSTRY ANALYSIS

 

MSIC CODE

0 : DORMANT

INDUSTRY :

DORMANT

The Subject is a dormant company and it is not active in its business operation.

OVERALL INDUSTRY OUTLOOK : Not Yet Determined

 

 

CREDIT RISK EVALUATION & RECOMMENDATION


As the Subject is a dormant company, it is inappropriate to comment on its creditworthiness. In view of the above, we do not recommend any credit be granted to the Subject.

 

 

PROFIT AND LOSS ACCOUNT

 

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

Financial Year End

2008-12-31

2007-12-31

2006-12-31

2005-12-31

2004-12-31

Months

12

12

12

12

12

Consolidated Account

Company

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

NO

Financial Type

SUMMARY

SUMMARY

SUMMARY

SUMMARY

SUMMARY

Currency

MYR

MYR

MYR

MYR

MYR

TURNOVER

100,000

-

-

-

1,591,727

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

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

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

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

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

Total Turnover

100,000

-

-

-

1,591,727

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

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

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

73,129

(26,250)

(19,600)

1,092,359

(1,370,065)

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

73,129

(26,250)

(19,600)

1,092,359

(1,370,065)

Taxation

(20,112)

-

(307)

-

-

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

53,017

(26,250)

(19,907)

1,092,359

(1,370,065)

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

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

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

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

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

PROFIT/(LOSS) BEFORE EXTRAORDINARY ITEMS

53,017

(26,250)

(19,907)

1,092,359

(1,370,065)

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

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

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

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

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

PROFIT/(LOSS) ATTRIBUTABLE TO SHAREHOLDERS

53,017

(26,250)

(19,907)

1,092,359

(1,370,065)

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

(216,763)

(190,513)

(170,606)

(1,262,965)

107,100

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

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

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

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

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

As restated

(216,763)

(190,513)

(170,606)

(1,262,965)

107,100

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

(163,746)

(216,763)

(190,513)

(170,606)

(1,262,965)

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

(163,746)

(216,763)

(190,513)

(170,606)

(1,262,965)

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

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

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

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

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

 

 

BALANCE SHEET

 

ASSETS EMPLOYED:

FIXED ASSETS

-

-

-

366,399

375,000

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

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

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

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

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

TOTAL LONG TERM ASSETS

-

-

-

366,399

375,000

TOTAL CURRENT ASSETS

514,828

457,824

484,074

176,396

427,613

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

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

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

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

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

TOTAL ASSET

514,828

457,824

484,074

542,795

802,613

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

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

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

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

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

TOTAL CURRENT LIABILITIES

165,218

161,231

161,231

200,045

379,472

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

349,610

296,593

322,843

(23,649)

48,141

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

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

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

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

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

TOTAL NET ASSETS

349,610

296,593

322,843

342,750

423,141

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

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

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

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

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

SHARE CAPITAL

Ordinary share capital

513,356

513,356

513,356

513,356

513,356

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

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

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

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

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

TOTAL SHARE CAPITAL

513,356

513,356

513,356

513,356

513,356

Retained profit/(loss) carried forward

(163,746)

(216,763)

(190,513)

(170,606)

(1,262,965)

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

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

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

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

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

TOTAL RESERVES

(163,746)

(216,763)

(190,513)

(170,606)

(1,262,965)

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

349,610

296,593

322,843

342,750

(749,609)

TOTAL LONG TERM LIABILITIES

-

-

-

-

1,172,750

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

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

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

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

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

349,610

296,593

322,843

342,750

423,141

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

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

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

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

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

 

 

FINANCIAL RATIO

 

TYPES OF FUNDS

Net Liquid Assets

349,610

296,593

322,843

(23,649)

48,141

Net Current Assets/(Liabilities)

349,610

296,593

322,843

(23,649)

48,141

Net Tangible Assets

349,610

296,593

322,843

342,750

423,141

Net Monetary Assets

349,610

296,593

322,843

(23,649)

(1,124,609)

BALANCE SHEET ITEMS

Total Liabilities

165,218

161,231

161,231

200,045

1,552,222

Total Assets

514,828

457,824

484,074

542,795

802,613

Net Assets

349,610

296,593

322,843

342,750

423,141

Net Assets Backing

349,610

296,593

322,843

342,750

(749,609)

Shareholders' Funds

349,610

296,593

322,843

342,750

(749,609)

Total Share Capital

513,356

513,356

513,356

513,356

513,356

Total Reserves

(163,746)

(216,763)

(190,513)

(170,606)

(1,262,965)

LIQUIDITY (Times)

Current Ratio

3.12

2.84

3.00

0.88

1.13

SOLVENCY RATIOS (Times)

Liabilities Ratio

0.47

0.54

0.50

0.58

(2.07)

Assets Backing Ratio

0.68

0.58

0.63

0.67

0.82

PERFORMANCE RATIO (%)

Operating Profit Margin

73.13

-

-

-

(86.07)

Net Profit Margin

53.02

-

-

-

(86.07)

Return On Net Assets

20.92

(8.85)

(6.07)

318.70

(323.78)

Return On Capital Employed

20.92

(8.85)

(6.07)

318.70

(323.78)

Return On Shareholders' Funds/Equity

15.16

(8.85)

(6.17)

318.70

182.77

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.22

UK Pound

1

Rs.102.23

Euro

1

Rs.72.39

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

VNT

 

               

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.