MIRA INFORM REPORT

 

 

Report No. :

353398

Report Date :

16.12.2015

 

IDENTIFICATION DETAILS

 

Name :

ASIAN MINERAL RESOURCES PTE. LTD.

 

 

Registered Office :

101, Cecil Street, 14-12, Tong Eng Building, 069533,

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2015

 

 

Date of Incorporation :

27.04.2013

 

 

Com. Reg. No.:

201210548-Z

 

 

Legal Form :

Private Limited

 

 

Line of Business :

The Subject engaged in trading of minerals.

 

 

No. of Employee :

4

 

 

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)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. Unemployment is very low. The economy depends heavily on exports, particularly of consumer electronics, information technology products, medical and optical devices, pharmaceuticals, and on its vibrant transportation, business, and financial services sectors. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but has continued to grow since 2010 on the strength of renewed exports. Growth in 2014 was slower at 2.9%, largely a result of soft demand for exports amid a sluggish global economy and weak growth in Singapore’s manufacturing sector. The government is attempting to restructure Singapore’s economy by weaning its dependence on foreign labor, addressing weak productivity, and increasing Singaporean wages. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to strengthen its position as Southeast Asia's leading financial and high-tech hub. Singapore is a member of the 12-nation Trans-Pacific Partnership free trade negotiations, the Regional Comprehensive Economic Partnership negotiations with the nine other ASEAN members plus Australia, China, India, Japan, South Korea and New Zealand, and in 2015, Singapore will form, with the other ASEAN members, the ASEAN Economic Community.

 

Source : CIA

 

 

EXECUTIVE SUMMARY

 

REGISTRATION NO.

:

201210548-Z

COMPANY NAME

:

ASIAN MINERAL RESOURCES PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

27/04/2012

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

101, CECIL STREET, 14-12, TONG ENG BUILDING, 069533, SINGAPORE.

BUSINESS ADDRESS

:

101, CECIL STREET, 14-12, TONG ENG BUILDING, 069533, SINGAPORE.

TEL.NO.

:

65-96496820

FAX.NO.

:

65-64382436

WEB SITE

:

WWW.ASIANMIN.COM

CONTACT PERSON

:

BIKASH PODDAR ( DIRECTOR )

PRINCIPAL ACTIVITY

:

TRADING OF MINERALS

ISSUED AND PAID UP CAPITAL

:

989,520.00 ORDINARY SHARE, OF A VALUE OF SGD 989,520.00 

SALES

:

USD 28,920,228 [2015]

NET WORTH

:

USD 1,216,515 [2015]

STAFF STRENGTH

:

4 [2015]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

STRONG

PAYMENT

:

NO COMPLAINTS

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 

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 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) trading of minerals.

 

Share Capital History

Date

Issue & Paid Up Capital

07/12/2015

SGD 989,520.00

 

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

 

Current Shareholder(s) :

Name

Address

IC/PP/Loc No

Shareholding

(%)

VIDHATA DISTRIBUTORS PRIVATE LIMITED

49, SHIBNATH SHASTRI SARANI, 40B/1, NEW ALIPORE, BLOCK B, KOLKATA, WEST BENGAL

T12UF1569L

889,256.00

89.87

RAKESH KUMAR SINGHANIA

22, BUROSHIBTALA MAIN ROAD PURTI SEASON 2, SUMMER BLOCK, KOLKATA, WEST BENGAL, 2ND FLOOR

E6662575

75,214.00

7.60

BIKASH PODDAR +

41, JURONG EAST AVENUE 1, 03-05, PARC OASIS, 609777, SINGAPORE.

G3084795X

10.00

0.00

SUSHMA DEVI SINGHANIA

98 (291/1), NETAJI SUBHAS ROAD, SINGHANIA BHAWAN PO-ASANSOL, BARDHAMAN

H4690770

25,040.00

2.53

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

------

989,520.00

100.00

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

=====

+ Also Director

 

 





DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

GIRISH AGARWAL

Address

:

SANJEEV TOWN TYPE-A, BL-1, PLOT-SA/45, KOCHPUKUR 24, PARAGANA (N), WEST BENGAL, 700102, INDIA.

IC / PP No

:

Z2404197

Nationality

:

INDIAN

Date of Appointment

:

29/03/2014

 

DIRECTOR 2

 

Name Of Subject

:

BIKASH PODDAR

Address

:

41, JURONG EAST AVENUE 1, 03-05, PARC OASIS, 609777, SINGAPORE.

IC / PP No

:

G3084795X

Nationality

:

INDIAN

Date of Appointment

:

18/07/2014

MANAGEMENT

 

1)

Name of Subject

:

BIKASH PODDAR

Position

:

DIRECTOR

 

 

 

 

 

 

AUDITOR

 

Auditor

:

VKR PRACTICES

Auditor' Address

:

N/A

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

VENKATESAN MAHENDRAN

IC / PP No

:

S2715328C

Address

:

601B, PUNGGOL CENTRAL, 05-610, 822601, SINGAPORE.

 

 

 

 

 

 

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.

No legal action was found in our databank.

No winding up petition was found in our databank.

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A


The staff from the registered office refused to disclose the Subject's suppliers. 

The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

]

Good 31-60 Days

[

]

Average 61-90 Days

[

X

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

Export Market

:

WORLDWIDE

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

OPERATIONS

 

Goods Traded

:

MINERALS

 

Total Number of Employees:

YEAR

2015


GROUP

N/A

COMPANY

4

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) trading of minerals. 

The Subject Specialized supplier of PIG IRON, FERROUS SCRAP, SPONGE IRON in Singapore and has been servicing the needs of both local and overseas customers.

The Subject supplies different products to a wide range of industries and exports to Europe, America, Australia and Asia. Besides AMR is supplying items of types AGRICULTURE, Energy, Metals & MINERALS that are sourced both locally and internationally. 


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

(+65)96496820,+(91)9832157900

Current Telephone Number

:

65-96496820

Match

:

YES

Address Provided by Client

:

101 CECIL STREET, # 14-12 TONG ENG BUILDING, SINGAPORE-069533

Current Address

:

101, CECIL STREET, 14-12, TONG ENG BUILDING, 069533, SINGAPORE.

Match

:

YES

 

Other Investigations


We contacted one of the staff from the Subject and he provided some information.

The Subject refused to disclose its bankers.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Increased

[

237.60%

]

Profit/(Loss) Before Tax

:

Increased

[

61.70%

]

Return on Shareholder Funds

:

Acceptable

[

21.88%

]

Return on Net Assets

:

Acceptable

[

23.11%

]

The increase in turnover could be due to the Subject adopting an aggressive marketing strategy.The higher profit could be attributed to the increase in turnover. The Subject's management had generated acceptable return for its shareholders using its assets.

Working Capital Control

Stock Ratio

:

Favourable

[

1 Days

]

Debtor Ratio

:

Favourable

[

7 Days

]

Creditors Ratio

:

Favourable

[

1 Days

]

The Subject's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

Liquidity

Liquid Ratio

:

Favourable

[

2.41 Times

]

Current Ratio

:

Favourable

[

2.56 Times

]

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Nil

[

0.00 Times

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject's interest cover was nil as it did not pay any interest during the year. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

Generally, the Subject's performance has improved with higher turnover and profit. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject did not make any interest payment during the year. The Subject was dependent on its shareholders' funds to finance its business needs. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : STRONG

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators :

2010

2011

2012

2013

2014

 

Population (Million)

5.08

5.18

5.31

5.40

5.47

Gross Domestic Products ( % )

14.5

4.9

1.3

3.7

(3.5)

Consumer Price Index

2.8

5.2

4.6

2.4

2.4

Total Imports (Million)

423,221.8

459,655.1

474,554.0

466,762.0

463,779.1

Total Exports (Million)

478,840.7

514,741.2

510,329.0

513,391.0

518,922.7

 

Unemployment Rate (%)

2.2

2.1

2.0

1.9

1.9

Tourist Arrival (Million)

11.64

13.17

14.49

15.46

15.01

Hotel Occupancy Rate (%)

85.6

86.5

86.4

86.3

85.5

Cellular Phone Subscriber (Million)

1.43

1.50

1.52

1.97

1.98

 

Registration of New Companies (No.)

29,798

32,317

31,892

37,288

41,589

Registration of New Companies (%)

12.8

8.5

(1.3)

9.8

11.5

Liquidation of Companies (No.)

15,126

19,005

17,218

17,369

18,767

Liquidation of Companies (%)

(32.5)

25.6

9.4

(5.3)

8.0

 

Registration of New Businesses (No.)

23,978

23,494

24,788

22,893

35,773

Registration of New Businesses (%)

(10.78)

2.02

5.51

1.70

56.30

Liquidation of Businesses (No.)

24,211

23,005

22,489

22,598

22,098

Liquidation of Businesses (%)

2.8

(5)

(2.2)

0.5

(2.2)

 

Bankruptcy Orders (No.)

1,537

1,527

1,748

1,992

1,757

Bankruptcy Orders (%)

(25.3)

(0.7)

14.5

14.0

(11.8)

Bankruptcy Discharges (No.)

2,252

1,391

1,881

2,584

3,546

Bankruptcy Discharges (%)

(26.3)

(38.2)

35.2

37.4

37.2

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(10.5)

12.10

(0.5)

-

2.80

 

Manufacturing *

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

96.4

100.0

103.5

103.5

105.0

Textiles

122.1

100.0

104.0

87.1

74.9

Wearing Apparel

123.3

100.0

92.1

77.8

49.5

Leather Products & Footwear

81.8

100.0

98.6

109.8

95.9

Wood & Wood Products

104.0

100.0

95.5

107.4

112.0

Paper & Paper Products

106.1

100.0

97.4

103.2

103.4

Printing & Media

103.5

100.0

93.0

86.1

80.3

Crude Oil Refineries

95.6

100.0

99.4

93.5

85.6

Chemical & Chemical Products

97.6

100.0

100.5

104.1

114.0

Pharmaceutical Products

75.3

100.0

109.7

107.2

115.7

Rubber & Plastic Products

112.3

100.0

96.5

92.9

92.8

Non-metallic Mineral

92.5

100.0

98.2

97.6

82.2

Basic Metals

102.2

100.0

90.6

76.5

98.3

Fabricated Metal Products

103.6

100.0

104.3

105.1

105.1

Machinery & Equipment

78.5

100.0

112.9

114.5

124.0

Electrical Machinery

124.1

100.0

99.3

108.5

121.3

Electronic Components

113.6

100.0

90.6

94.3

95.0

Transport Equipment

94.0

100.0

106.3

107.5

103.2

 

Construction

14.20

20.50

28.70

-

22.00

Real Estate

21.3

25.4

31.9

-

145.1

 

Services

Electricity, Gas & Water

4.00

7.00

6.30

-

Transport, Storage & Communication

12.80

7.40

5.30

-

14.20

Finance & Insurance

(0.4)

8.90

0.50

-

6.00

Government Services

9.70

6.90

6.00

-

Education Services

(0.9)

(1.4)

0.30

-

5.98

 

* Based on Index of Industrial Production (2011 = 100)



INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

The wholesale and retail trade sectors have expanded by 2.0% in the third quarter of 2014, extending the 1.8 per cent growth in the previous quarter. In 2013, the wholesale and retail sector expanded by 5.0%, after declining by 1.4% the year before. Growth of the sector was driven by the wholesale trade segment.

The domestic wholesale trade index has increased by 3.2% in the fourth quarter of 2013, moderating from the 6.6% growth in the previous quarter. The slower growth was due to a decline in the sales of furniture and household equipment (-12%) and petroleum and petroleum products (-0.6%). For the full year, the domestic wholesale trade index grew by 5.2% reversing the 2.2% decline in 2012. On the other hand, the foreign wholesale trade index has increased by a slower pace of 5.6% in the fourth quarter, compared to the 7.7% expansion in the preceding quarter. The slowdown was due to a fall in the sales of telecommunication equipment and computer (-3.8%) and petroleum and petroleum products (-2.5%). For the full year, the growth of the foreign wholesale trade index moderated slightly to 8.6% from 9.1% in the previous year.

In the fourth quarter of 2013, retail sales volume fell by 6.2%, extending the 5.6% decline in the previous quarter. Excluding motor vehicles, retail sales volume increased by 0.4%, a slower pace of expansion as compared to the 1.6% gain in the preceding quarter. The sales volume of motor vehicles fell by 33% in the fourth quarter of 2013, extending the 32% decline in the previous quarter. Meanwhile, the sales of several discretionary items also fell in the fourth quarter of 2013. For instance, the sales of telecommunications apparatus and computers fell by 12%, while the sales of furniture and household equipment declined by 5.4%.

For the full year, retail sales volume contracted by 4.3%, a reversal from the 1.3% expansion in 2012. Excluding motor vehicle sales, the retail sales volume grew by 1.1% in 2013, slower than the 1.7% increase in 2012. Watches and jewellery recorded the largest increase (11%) in sales in 2013, followed by optical goods and book (3%) and medical goods and toiletries (3%). By contrast, the sales of telecommunications apparatus and computer (-7.3%), furniture and household equipment (-4.2%) and petrol service stations (-1.4) declined in 2013.

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2012, the Subject is a Private Limited company, focusing on trading of minerals. The Subject has been in business for less than 5 years and it has slowly been building up contact with its clients while competing in the industry. However, it has yet to enjoy a stable market shares as it need to compete many well established players in the same field. Presently, the issued and paid up capital of the Subject stands at SGD 989,520. However, with a strong backing from its shareholder, the Subject enjoys timely financial assistance should the needs arise. 

Investigation revealed, the Subject has penetrated into both the local and overseas market. The Subject has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the Subject to further enhance its business in the near term. Being a small company, the Subject's business operation is supported by 4 employees. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject. 

We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. Based on the higher profitability, the Subject has generated a favourable return based on its existing shareholders' funds which indicated that the management was efficient in utilising its funds to generate income. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at USD 1,216,515, the Subject should be able to maintain its business in the near terms. 

The Subject's payment habit is average. With its adequate working capital, the Subject should be able to pay its short term debts. 

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry. 

Based on the above condition, we recommend credit be granted to the Subject normally.

 



PROFIT AND LOSS ACCOUNT

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

ASIAN MINERAL RESOURCES PTE. LTD.

 

Financial Year End

2015-03-31

2014-03-31

2013-03-31

Months

12

12

8

Consolidated Account

Company

Company

Company

Audited Account

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

Financial Type

FULL

FULL

FULL

Currency

USD

USD

USD

TURNOVER

28,920,228

8,566,543

-

Other Income

31,335

4,945

-

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

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

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

Total Turnover

28,951,563

8,571,488

-

Costs of Goods Sold

(28,541,649)

(8,357,718)

-

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

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

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

Gross Profit

409,914

213,770

-

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

281,169

173,880

(5,574)

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

281,169

173,880

(5,574)

Taxation

(15,000)

(8,000)

-

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

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

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

PROFIT/(LOSS) AFTER TAXATION

266,169

165,880

(5,574)

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

160,306

(5,574)

-

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

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

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

As restated

160,306

(5,574)

-

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

426,475

160,306

(5,574)

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

426,475

160,306

(5,574)

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Others

-

-

83

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

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

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

-

-

83

-

-

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

DEPRECIATION (as per notes to P&L)

1,608

-

-

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

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

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

1,608

-

-

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

 

 

 

 

 

 

BALANCE SHEET

 

ASIAN MINERAL RESOURCES PTE. LTD.

 

ASSETS EMPLOYED:

FIXED ASSETS

3,215

-

-

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

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

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

TOTAL LONG TERM ASSETS

3,215

-

-

Stocks

113,076

-

-

Trade debtors

576,281

4,092,245

1,600

Other debtors, deposits & prepayments

1,286,423

4,600

-

Cash & bank balances

15,405

20,992

997

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

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

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

TOTAL CURRENT ASSETS

1,991,185

4,117,837

2,597

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

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

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

TOTAL ASSET

1,994,400

4,117,837

2,597

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

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

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

CURRENT LIABILITIES

Trade creditors

67,585

3,938,628

-

Other creditors & accruals

687,300

9,823

1,731

Provision for taxation

23,000

8,000

-

Other liabilities

-

-

6,360

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

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

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

TOTAL CURRENT LIABILITIES

777,885

3,956,451

8,091

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

1,213,300

161,386

(5,494)

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

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

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

TOTAL NET ASSETS

1,216,515

161,386

(5,494)

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

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

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

SHARE CAPITAL

Ordinary share capital

790,040

1,080

80

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

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

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

TOTAL SHARE CAPITAL

790,040

1,080

80

Retained profit/(loss) carried forward

426,475

160,306

(5,574)

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

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

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

TOTAL RESERVES

426,475

160,306

(5,574)

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

1,216,515

161,386

(5,494)

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

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

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

1,216,515

161,386

(5,494)

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

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

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

 

 

 

 

 

 

FINANCIAL RATIO

 

ASIAN MINERAL RESOURCES PTE. LTD.

 

TYPES OF FUNDS

Cash

15,405

20,992

997

Net Liquid Funds

15,405

20,992

997

Net Liquid Assets

1,100,224

161,386

(5,494)

Net Current Assets/(Liabilities)

1,213,300

161,386

(5,494)

Net Tangible Assets

1,216,515

161,386

(5,494)

Net Monetary Assets

1,100,224

161,386

(5,494)

PROFIT & LOSS ITEMS

Earnings Before Interest & Tax (EBIT)

281,169

173,880

(5,491)

Earnings Before Interest, Taxes, Depreciation And Amortization (EBITDA)

282,777

173,880

(5,491)

BALANCE SHEET ITEMS

Total Borrowings

0

0

0

Total Liabilities

777,885

3,956,451

8,091

Total Assets

1,994,400

4,117,837

2,597

Net Assets

1,216,515

161,386

(5,494)

Net Assets Backing

1,216,515

161,386

(5,494)

Shareholders' Funds

1,216,515

161,386

(5,494)

Total Share Capital

790,040

1,080

80

Total Reserves

426,475

160,306

(5,574)

LIQUIDITY (Times)

Cash Ratio

0.02

0.01

0.12

Liquid Ratio

2.41

1.04

0.32

Current Ratio

2.56

1.04

0.32

WORKING CAPITAL CONTROL (Days)

Stock Ratio

1

0

0

Debtors Ratio

7

174

0

Creditors Ratio

1

172

0

SOLVENCY RATIOS (Times)

Gearing Ratio

0

0

0

Liabilities Ratio

0.64

24.52

(1.47)

Times Interest Earned Ratio

0

0

(66.16)

Assets Backing Ratio

1.54

149.43

(68.68)

PERFORMANCE RATIO (%)

Operating Profit Margin

0.97

2.03

0

Net Profit Margin

0.92

1.94

0

Return On Net Assets

23.11

107.74

99.95

Return On Capital Employed

23.11

107.74

99.95

Return On Shareholders' Funds/Equity

21.88

102.78

101.46

Dividend Pay Out Ratio (Times)

0

0

0

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

0

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.67.04

UK Pound

1

Rs.101.67

Euro

1

Rs.73.93

SGD

1

Rs.47.38

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAS

 

 

Report Prepared by :

TRU

 


 

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%)

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.