MIRA INFORM REPORT

 

 

Report No. :

353101

Report Date :

04.12.2015

 

IDENTIFICATION DETAILS

 

Name :

LABORATÓRIO TEUTO BRASILEIRO S/A

 

 

Registered Office :

Loc Vp 7d - Módulo,11 Quadra 13 – Daia 75045-190 - Anápolis/Go

 

 

Country :

Brazil

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

25.03.1957

 

 

Legal Form :

Privately Held Corporation

 

 

Line of Business :

Manufacture of Pharmaceuticals

 

 

Employees:

2590

 

 

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 – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

Brazil

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

BRAZIL - ECONOMIC OVERVIEW

 

Characterized by large and well-developed agricultural, mining, manufacturing, and service sectors, and a rapidly expanding middle class, Brazil's economy outweighs that of all other South American countries, and Brazil is expanding its presence in world markets. Since 2003, Brazil has steadily improved its macroeconomic stability, building up foreign reserves, and reducing its debt profile by shifting its debt burden toward real denominated and domestically held instruments. Since 2008, Brazil became a net external creditor and all three of the major ratings agencies awarded investment grade status to its debt.

After strong growth in 2007 and 2008, the onset of the global financial crisis hit Brazil in 2008. Brazil experienced two quarters of recession, as global demand for Brazil's commodity-based exports dwindled and external credit dried up. However, Brazil was one of the first emerging markets to begin a recovery. In 2010, consumer and investor confidence revived and GDP growth reached 7.5%, the highest growth rate in the past 25 years. GDP growth has slowed since 2011, due to several factors, including: overdependence on exports of raw commodities, low productivity, high operational costs, persistently high inflation, and low levels of investment. After reaching historic lows of 4.5% in early 2014, the unemployment rate remains low, but is rising. Brazil's traditionally high level of income inequality has declined for each of the last 15 years.

Brazil’s fiscal and current account balances have eroded during the past four years as the government attempted to boost economic growth through targeted tax cuts for industry and incentives to spur household consumption. After winning reelection in October 2014 by a historically narrow margin, President Dilma ROUSSEFF appointed a new economic team led by Finance Minister Joaquim LEVY, who introduced a fiscal austerity package intended to restore the primary account surplus to 1.2% of GDP and preserve the country's investment-grade sovereign credit rating.

Brazil seeks to strengthen its workforce and its economy over the long run by imposing local content and technology transfer requirements on foreign businesses, by investing in education through social programs such as Bolsa Familia and the Brazil Science Mobility Program, and by investing in research in the areas of space, nanotechnology, healthcare, and energy.

 

Source : CIA

 

company name and address

 

LABORATÓRIO TEUTO BRASILEIRO S/A

 

 

ADDRESSES

 

MAIN ADDRESS:

LOC VP 7D - MÓDULO,11 QUADRA 13 - DAIA

ZIP CODE/CITY:

75045-190 - ANÁPOLIS/GO

 

 

PHONE:

62 3310-2116

FAX:

62 3310-2000

E-MAIL:

contabilidade@teuto.com.br

WEB SITE:

www.teuto.com.br

 

BRANCHES:

 

 

 

ADDRESS:

RUA EMBAIXADOR MACEDO SOARES,10735

ZIP CODE/CITY:

05095-020 SÃO PAULO/SP

CNPJ:

17.159.229/0008-42

 

 

ADDRESS:

RUA WILK FERREIRA DE SOUZA,145

ZIP CODE/CITY:

70230-477 SÃO JOSÉ DO RIO PRETO/SP

CNPJ:

17.159.229/0007-61

 

 

ADDRESS:

RUA ANTONIO LUIZ SOARES,217

ZIP CODE/CITY:

51210-050 RECIFE/PE

CNPJ:

17.159.229/0005-08

 

 

ADDRESS:

RODOVIA MG-5 - Nº,1020 - IPÊ

ZIP CODE/CITY:

31950-000 BELO HORIZONTE/MG

CNPJ:

17.159.229/0006-80

 

 

ADDRESS:

RUA CONDE DE PORTO ALEGRE,57 - ROCHA

ZIP CODE/CITY:

20960-110 RIO DE JANEIRO/RJ

CNPJ:

17.159.229/0003-38

 

 

LEGAL DATA

 

MAIN ACTIVITIES:

 

MANUFACTURE OF PHARMACEUTICALS.

 

LEGAL FORM:

PRIVATELY HELD CORPORATION

 

 

INCORPORATION DATE:

25/03/1957

REGISTER DATE:

25/03/1957

BALANCE SHEET FILING DATE:

31/12

TAX CONTRIBUTOR NUMBER(CNPJ):

17.159.229/0001-76

STATE REGISTER:

10.223003-0

 

 

SHARE CAPITAL:

R$ 68.808.167,59

 

BOARD OF DIRECTORS:

 

 

 

CARLOS ROBERTO DE ANDRADE

INDUSTRIAL DIRECTOR

OSVALDO SOARES PINTO

COMMERCIAL DIRECTOR

MARCELO LEITE HENRIQUE

DIRECTOR

DOUGLAS LEANDRO RODRIGUES

FINANCIAL DIRECTOR

 

 

AUTHORIZED USE OF SIGNATURE

 

THE DIRECTORS ARE AUTHORIZED TO SIGN ON BEHALF OF THE COMPANY.

 

SHAREHOLDERS / PARTNERS:

 

 

 

ESPOLIO WALTERCI DE MELO

57,924187%

PFIZER MEDICAMENTOS GENÉRICOS E PARTICIP. LTDA

40,000000%

MARCELO LEITE HENRIQUES

2,000000%

ÍTALO NOGUEIRA ALVES DE MELO

0,075745%

IGOR NOGUEIRA ALVES DE MELO

0,000018%

FLAVIA MODESTO TELES DE MELO

0,000016%

PRISCILA NOGUEIRA ALVES DE MELO

0,000016%

ANNA LIZ TELES DE MELO

0,000016%

 

AFFILIATES / SUBSIDIARIES:

 

 

 

NOT AVAILABLE

 

 

 

COMPANY'S BACKGROUND

 

THE SUBJECT WAS ESTABLISHED IN 1947, BY MR. ADOLFO KRUMEIR.

 

AMAZED BY THE BRAZIL'S RESOURCES, INVESTED ALL ITS EFFORTS, WITHOUT LOSING ITS TIES WITH HIS HOMELAND. THE TIME GOES BY AND THE SUBJECT CHANGES ITS MANAGEMENT.

 

MR. WALTERCI DE MELO REALIZED THAT TEUTO OWNED A STRONG BRAND AND HE DECIDED ON TAKING ADVANTAGE OF IT BY INVESTING IN NEW EQUIPMENTS, RENEWING ITS PRODUCT LINE, IMPROVING THE PACKAGE GIVING MORE AGGRESSIVENESS TO ITS MANAGEMENT.

 

IN 1992 IT WAS PUT THE LIMESTONE IN ANÁPOLIS AND IN 1993 ITS HEADQUARTERS WAS OPENED WITH 12.000 SQ MTS OF BUILT-U AREA.

 

THE SUBJECT IS A LEADING COMPANY AND KEEPS OPERATING UP TO DATE WITH A LEADING POSITION AND HIGH EFFICIENCY LEVEL.

 

ON JUNE 16, 2002 SUBJECT WAS TRANSFORMED INTO STOCK COMPANY AND ALTERED ITS NAME FROM LABORATÓRIO TEUTO BRASILEIRO LTDA. TO THE PRESENT REGISTERED ONE.

 

THE COMPANY HAS THE ISO 9000 CERTIFICATION.

 

TRADE NAME: "TEUTO".

 

FURTHER DETAILS ABOUT THE SUBJECT'S HISTORY ARE SO FAR NOT KNOWN.

 

PUBLIC INFORMATION:

 

PROTESTS:

 

4  PROTESTS,TOTAL AMOUNT R$ 9.089.043,94

 

DETAILS OF LATEST PROTESTS:

 

NOTARY OFFICE:

DATE:

VALUE:

1º CARTÓRIO DE RJ-RIO DE JANEIRO

20/10/2011

R$ 1.843.858,46

2º CARTÓRIO DO RIO DE JANEIRO/RJ

24/11/2015

R$ 635.457,39

4º CARTÓRIO DE RJ-RIO DE JANEIRO

23/09/2014

R$ 3.902.110,49

4º CARTÓRIO DE RJ-RIO DE JANEIRO

25/11/2014

R$ 2.707.617,60

 

LAWSUITS:

 

 

 

DATE:

COURT OF LAW:

 

8

STATE LAWSUITS

22/06/15

7ª VARA DE MG-BELO HORIZONTE

1

MUNICIPAL LAWSUIT

28/08/14

6ª VARA DE MG-BELO HORIZONTE

1

FEDERAL LAWSUIT

04/09/15

1ª VARA DE GO-ANÁPOLIS

 

 

 

FINANCIAL INFORMATION

 

GENERAL BALANCE SHEETS AS OF 31/12/2014, 31/12/2013 AND 31/12/2012.

( FIGURES ARE IN THOUSANDS OF REAIS ).

 

ASSETS

 

 

 

CURRENT:

31/12/2014

31/12/2013

31/12/2012

 

 

 

 

CASH AND BANKS

7.476

8.059

9.281

CLIENTS

185.869

243.920

147.384

INVENTORY

214.726

153.278

117.884

RECOVERABLE TAXES

8.044

3.878

3.298

PRE PAID EXPENSES

3.824

7.945

17.287

OTHER CREDITS

6.343

3.074

2.997

 

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

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

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

TOTAL CURRENT ASSETS

426.282

420.154

298.131

 

LONG-TERM RECEIVABLES:

 

 

 

 

 

 

 

ADVANCE TO RELATED PARTIES

6.893

9.050

7.566

RECOVERABLE TAXES

39.793

15.704

14.630

DEFERRED TAXES

4.974

 

 

OTHER CREDITS

19.041

31.819

118

BANK ESCROW ACCOUNT

4.261

9.109

31.166

PRE PAID EXPENSES

353

293

292

ACCOUNTS RECEIVABLES

3

152

15.166

 

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

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

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

TOTAL LONG-TERM RECEIVABLES

75.318

66.127

68.938

 

FIXED ASSETS:

 

 

 

 

 

 

 

FIXED ASSETS

262.910

238.624

209.259

INTANGIBLE

1.527

1.585

1.628

INVESTMENTS

23.425

19.459

17.663

 

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

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

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

TOTAL FIXED ASSETS

287.862

259.668

228.550

 

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

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

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

TOTAL ASSETS

789.462

745.949

595.619

 

LIABILITIES:

 

 

 

CURRENT:

31/12/2014

31/12/2013

31/12/2012

 

 

 

 

SUPPLIERS

42.863

49.762

39.572

LOANS AND FINANCING

161.480

123.435

113.689

SOCIAL / LABOR OBLIGATIONS

18.857

19.074

20.420

TRIBUTARY OBLIGATIONS

15.128

17.115

15.322

OTHER DEBTS

6.064

7.532

16.011

DIVIDENDS

11.754

14.619

7.518

 

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

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

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

TOTAL CURRENT LIABILITIES

256.146

231.537

212.532

 

LONG TERM LIABILITIES:

 

 

 

 

 

 

 

LOANS AND FINANCING

188.887

176.781

125.889

TAXES AND CONTRIBUTIONS

4.326

5.712

8.239

OTHER

 

6.677

4.228

DEFERRED TAXES

 

5.948

444

ACCOUNTS PAYABLE

10.199

 

1.455

PROVISION FOR CONTINGENCIES

 

7.866

3.615

PROVISIONS

3.484

 

 

 

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

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

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

TOTAL LONG TERM LIABILITIES

206.896

202.984

143.870

 

NET EQUITY:

 

 

 

 

 

 

 

SHARE CAPITAL

68.808

68.808

68.808

REVALUATION RESERVES

34.345

36.499

38.655

LEGAL RESERVES

 

7.612

3.646

RESERVES/TAX INCENTIVES

165.011

139.275

92.334

SUBVENTION RESERVES

 

 

2.676

OTHER COMPREHENSIVE INCOME

5.559

5.559

5.559

PROFIT RESERVES

50.021

50.999

27.539

CAPITAL RESERVES

2.676

2.676

 

 

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

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

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

TOTAL NET EQUITY

326.420

311.428

239.217

 

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

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

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

TOTAL LIABILITIES

789.462

745.949

595.619

 

PROFIT AND LOSS ACCOUNTS AS OF 31/12/2014, 31/12/2013 AND 31/12/2012.

( FIGURES ARE IN THOUSANDS OF REAIS ).

 

 

31/12/2014

31/12/2013

31/12/2012

 

 

 

 

NET SALES

500.299

561.526

366.862

(-) COST OF SOLD GOODS

305.761

329.432

214.244

 

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

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

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

GROSS PROFIT

194.538

232.094

152.618

OPERATING REVENUE (EXPENSE)

-114.611

-88.705

-116.147

FINANCIAL REVENUE(EXPENSE)

-48.743

-41.241

-32.927

 

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

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

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

OPERATIONAL PROFIT (LOSS)

31.184

102.148

3.544

CONTRIBUTION/INCOME TAX

-2.379

-22.836

1.333

 

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

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

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

NET PROFIT (LOSS)

28.805

79.312

4.877

 

RATIOS:

31/12/2014

31/12/2013

31/12/2012

 

QUICK RATIO

,83

 

1,15

 

,85

 

CURRENT RATIO

1,66

 

1,81

 

1,40

 

ACCOUNTS RECEIVABLE TURNOVER

2,69

TIMES

2,30

TIMES

2,49

TIMES

DAYS' SALES IN RECEIVABLES

133,75

DAYS

156,38

DAYS

144,63

DAYS

INVENTORY TURNOVER

1,42

TIMES

2,15

TIMES

1,82

TIMES

ACCOUNTS PAYABLE PERIOD

50,47

DAYS

54,38

DAYS

66,49

DAYS

RETURN ON ASSETS

,63

TIMES

,75

TIMES

,62

TIMES

SALES TURNOVER ON NET EQUITY

1,53

TIMES

1,80

TIMES

1,53

TIMES

NET WORTH TIE-UP

,81

 

,77

 

,87

 

INDEBTEDNESS

1,42

 

1,40

 

1,49

 

EQUITY RATIO

41,35

%

41,75

%

40,16

%

WORKING CAPITAL RATIO

66,42

%

81,46

%

40,28

%

GENERAL SOLVENCY

1,70

 

1,72

 

1,67

 

RETURN ON NET EQUITY

8,82

%

25,47

%

2,04

%

RETURN ON SALES (PROFIT MARGIN)

5,76

%

14,12

%

1,33

%

GROSS PROFIT MARGIN

38,88

%

41,33

%

41,60

%

OPERATIONAL RESULT

6,23

%

18,19

%

,97

%

SALES TURNOVER ON LIABILITIES

1,95

TIMES

2,43

TIMES

1,73

TIMES

FOREIGN CURRENCY ON ASSETS

 

 

 

 

 

 

FOREIGN CURRENCY ON LIABILITIES

 

 

 

 

 

 

 

EXCHANGE RATE:

 

 

US$ 1,00 = R$ 3,73

 - OFFICIAL RATE ON 27/11/2015

US$ 1,00 = R$ 2,65

 - OFFICIAL RATE ON 31/12/2014

US$ 1,00 = R$ 2,34

 - OFFICIAL RATE ON 31/12/2013

US$ 1,00 = R$ 2,04

 - OFFICIAL RATE ON 31/12/2012

 

COMMENTS ON THE FINANCIAL INFORMATION:

 

FOLLOWS ATTACHED WORKSHEET WITH MAIN FINANCIAL RATIOS.

 

THE FIGURES AVAILABLE SHOW A SATISFACTORY FINANCIAL STANDING. THE LEVEL OF INDEBTEDNESS IS SOMEHOW HIGH BUT IT HAS GOOD LIQUIDITY RATIOS AND POSITIVE WORKING CAPITAL, CONSIDERED SUFFICIENT TO COVER THE SHORT TERM DEBTS. IN ADDITION, IT SHOWS DROP IN SALES AND POSTED PROFIT.

 

REAL ESTATE:

 

OWNED PREMISES ARE VALUED AT R$ 108.958.000,00

 

VEHICLES:

 

OWNED VEHICLES ARE VALUED AT R$ 176.000,00

 

MACHINES:

 

OWNED MACHINES AND EQUIPMENTS ARE VALUED AT R$ 117.633.000,00

 

 

INSURANCE

 

NOT AVAILABLE.

 

 

BANKING REFERENCES

 

 

BRANCH/PHONE:

 

BANCO DO BRASIL S/A

3307-3 / 62 3216-5456

 

HSBC BANK BRASIL S/A BANCO MÚLTIPLO

62 3311-1177

 

BANCO SAFRA S/A

62 3235-4405

 

BANCO ITAÚ S/A

62 3215-5466

 

BANCO SANTANDER (BRASIL) S/A

62 3311-2244

 

BANCO SANTANDER (BRASIL) S/A

62 3224-3300

 

BANCO INDUSTRIAL E COMERCIAL S/A - BICBANCO

62 3224-3157

 

 

REMARKS: IN BRAZIL THE BANKS ARE PROHIBITED BY LAW TO PROVIDE INFORMATION OR ANY KIND OF COMMENTS ABOUT THEIR CLIENTS. DUE TO THIS LAW PROHIBITION WE ARE UNABLE TO PROVIDE ANY BANKING DETAILS.

 

ACCORDING TO THE CENTRAL BANK OF BRAZIL OFFICIAL REPORT, THE COMPANY HAS NO RETURNED CHECKS UP TO DATE. (IN THE TERMS OF "CIRCULAR 1682 BRAZILIAN CENTRAL BANK").

 

 

ACTIVITIES COMMENTS

 

SUBJECT IS ENGAGED IN THE MANUFACTURE OF PHARMACEUTICALS

 

THE SUBJECT HAS A HIGH CONTROL OF QUALITY. BEFORE ENTERING THE PRODUCTION THE RAW MATERIALS IMPORTED FROM EUROPE ARE CHECKED AND STAY UNDER OBSERVATION FOR 40 DAYS UNTIL THEY ARE ANALYZED BY THE TECHNICIANS, AFTER THAT THEY ARE SENT TO THE PRODUCTION.

 

EACH MEDICINE HAS DIFFERENT PROCEEDING. THE PILLS FOR INSTANCE HAVE EVALUATION EACH 30 MINUTES.

 

THE SUBJECT BROUGHT FROM EUROPE EQUIPMENTS SUITABLE TO CONTROL THE TEMPERATURE AND THE HUMIDITY OF ITS AREAS.

 

TEUTO IS DIVIDED INTO SEVEN SECTORS: SOLIDS, SEMI-SOLIDS, LIQUID ORALS, INJECTION, ANTIBIOTICS, QUALITY CONTROL AND PHARMACY AND TECHNICAL DEVELOPMENT.

 

IMPORT AND EXPORT:

 

IMPORTS FROM:

UNITED STATES, INDIA, SWITZERLAND, GERMANY AND ITALY.

 

EXPORTS TO:

ANGOLA, ECUADOR, DOMINICAN REPUBLIC, MOZAMBIQUE AND IVORY COAST.

 

MAIN CLIENTS:

 

 

 

 

 

DOMESTIC CLIENTS:

 

PHONE:

COMERCIAL BRUNELLI LTDA

 

27 3521-2215

DIMEBEL DIST. MED. BEVILACOUA LTDA

 

45 3224-2333

DISTRIBUIDORA FARM. PANARELLO LTDA.

 

62 3257-7000

GAUCHAFARMA MEDICAMENTOS LTDA.

 

51 3338-1566

IMP. E EXP. IRMÃOS TAKEDA LTDA

 

92 3622-3535

INTERMED FARMACÊUTICA LTDA

 

32 3215-6973

MARTINS COM. IMP. EXP. LTDA

 

34 3218-1073

NORTE SUL MEDICAMENTOS LTDA

 

62 3317-1888

PRESTOFARMA COML. IMP. E EXP. LTDA

 

11 6110-9211

SAMALINS COM. REPRE. LTDA

 

14 3522-5688

SB COMÉRCIO LTDA

 

92 3643-3535

TAKEDA LTDA

 

92 3622-3535

WW DIST. MEDIC. LTDA

 

61 3399-8686

 

STAFF:

 

THE COMPANY HAS: 2590 EMPLOYEE(S)

 

CONCEPT AND FULFILMENT

 

THE SUBJECT IS AN OLD AND WELL-ESTABLISHED COMPANY OPERATING SINCE 1957. IT HAS A HIGH SCALE OF ACTIVITIES, CLEAR TRADE HISTORY AND AN EXCELLENT REPUTATION.

 

THE COMPANY HAS TRADE RELATIONS WITH SEVERAL SUPPLIERS IN BRAZIL. THE SUPPLIERS EXTEND CREDIT FACILITIES TO THE SUBJECT IN TERMS AND AMOUNTS ACCORDING TO THE COMPANY'S NEEDS AND SO FAR NO PAYMENT PROBLEMS ARE NOTED.

 

THE LAWSUITS REPORTED ARE NOT RELATED WITH TRADE DEBTS. THEY ARE RELATED TO TAX DEBTS THAT FOR ANY REASON THE COMPANY HAS NOT YET PAID. NEVERTHELESS WE POINT OUT THAT THE SAID LAWSUITS DO NOT AFFECT THE COMPANY'S TRADE REPUTATION.

 

OUR INVESTIGATION THROUGH THE PUBLIC SHOWED SOME RELEVANT PROTESTS BUT THEY DO NOT AFFECT THE COMPANY'S REPUTATION GIVEN ITS HIGH SCALE OF ACTIVITIES. ACCORDING TO THE COMPANY SUCH PROTESTS ARE UNDUE AND THEY ARE BEING DISPUTED ON COURT.

 

MAIN SUPPLIERS:

 

 

 

 

 

DOMESTIC SUPPLIERS:

 

PHONE:

ALLPLAS LTDA

 

11 4613-1000

CARTOGRAFIA FENIX LTDA

 

31 3361-6199

CARTONAGEM ANAPOLINA LTDA.

 

62 3316-1033

CIEL CONFIANÇA IMP E EXPORTAÇÃO

 

21 3535-9550

COLORCON DO BRASIL LTDA.

 

11 4612-4262

COMPANHIA IND. DE VIDROS

 

11 3168-6766

GENIX INDUSTRIA FARMACÊUTICA LTDA (PURIFARMA)

 

11 2067-5600

INDUKERN DO BRASIL

 

11 3689-7665

ISP - INTERNACIONAL SPECIALITY PRODUCTS.

 

11 3649-0452

 

PAYMENT HISTORY:

 

29 SUPPLIERS REPORTED PAYMENTS:

   TOTAL AMOUNT:  R$ 4.186.890,00

 

AMOUNT OF INVOICES PAID: 467

TOTAL OF PROMPT PAYMENTS: 98,1%

TOTAL OF DELAYED PAYMENTS: 1,9%

 

HIGHEST INVOICE: R$ 121.999,00

HIGHEST CREDIT: R$ 121.999,00

 

OUTSTANDING INVOICES DUE WITHIN THE NEXT 30 DAYS:

 

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

SUPPLIERS:

INVOICES:

TOTAL AMOUNT:

DUE WITHIN 30 DAYS

3

7

R$ 18.117,67

 

FINAL OPINION

 

THE SUBJECT IS A WELL-ESTABLISHED COMPANY IN BUSINESS FOR SEVERAL YEARS. UP TO DATE IT HAS CLEAR TRADE HISTORY AND GOOD PAYMENT RECORD.

 

BASED ON THE GENERAL INFORMATION AVAILABLE IT IS BELIEVED THAT GOOD TRADE RELATIONS MAY BE ESTABLISHED. CREDIT FACILITIES MAY BE EXTENDED WITHIN TERMS AND AMOUNTS ADEQUATE TO THE COMPANY'S FINANCIAL STRENGTH.

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.62

UK Pound

1

Rs.100.34

Euro

1

Rs.70.67

BRL

1

Rs. 17.79

Note : Above are approximate rates obtained from sources believed to be correct

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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.