MIRA INFORM REPORT

 

 

Report No. :

356113

Report Date :

21.12.2015

           

IDENTIFICATION DETAILS

 

Name :

ARJAV DIAMONDS NV

 

 

Registered Office :

Schupstraat 18 2018 Antwerpen

 

 

Country :

Belgium

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

22.07.1981

 

 

Com. Reg. No.:

421848545

 

 

Legal Form :

Public limited company

 

 

Line of Business :

Wholesale of diamonds and other precious stones.

 

 

No. of Employee :

10

 

 

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 :

Slow but correct

 

 

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)

Belgium

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

BELGIUM ECONOMIC OVERVIEW

 

This modern, open, and private-enterprise-based economy has capitalized on its central geographic location, highly developed transport network, and diversified industrial and commercial base. Industry is concentrated mainly in the more heavily-populated region of Flanders in the north. With few natural resources, Belgium imports substantial quantities of raw materials and exports a large volume of manufactures, making its economy vulnerable to shifts in foreign demand, particularly in Belgium’s EU trade partners. Roughly three-quarters of Belgium's trade is with other EU countries. In 2014 Belgian GDP grew by 0.9%, the unemployment rate stabilized at 8.5%, and the budget deficit was 3.2% of GDP. Prime Minister Charles MICHEL's center-right government has pledged to further reduce the deficit in response to EU pressure to reduce Belgium's high public debt, which remains above 100% of GDP, but such efforts could also dampen economic growth. In addition to restrained public spending, low wage growth and high unemployment promise to curtail a more robust recovery in private consumption. The government has pledged to pursue a reform program to improve Belgium’s competitiveness, including changes to tax policy, labor market rules, and welfare benefits. These changes risk worsening tensions with trade unions and triggering extended strikes.

 

Source : CIA

 

Company summary

 

Business number                     421848545

Branche Unit Number               2021425065

Company name                        ARJAV DIAMONDS NV

Address                                   SCHUPSTRAAT 18

2018 ANTWERPEN

Number of staff                        10

Date of establishment               22/07/1981

Telephone number                   032338090

Fax number                              032261321

 

 

Commentary

 

The business was established over 34 years ago.

The business has 10 employees.

The business is part of a group.

The business has been at the address for over 25 years.

The business saw an increase in their Cash Balance of 45% during the latest trading period.

 

 

Accounts

 

DATE  OF  LATEST  ACCOUNTS

TURNOVER

PROFIT  BEFORE  TAX

NET  WORTH

WORKING  CAPITAL

31/12/2014

660,188,405

580,748

113,760,573

175,857,054

31/12/2013

584,534,677

-28,014,777

99,837,062

155,572,203

31/12/2012

882,330,871

-54,839,353

77,605,662

2,908,682

 

ACCOUNTS

 

 

 

 

 

DATE  OF  LATEST  ACCOUNTS

BALANCE  TOTAL

NUMBER  OF  EMPLOYEES

CAPITAL

CASHFLOW

31/12/2014

469,789,514

10

53,680,743

402,795

31/12/2013

459,078,925

8

47,260,693

43,600,809

31/12/2012

657,089,429

9

65,178,173

-54,757,447

 

 

Trends

 

Profitability

Liquidity

Net worth

 

Payment expectations

 

Past  payments

 

Payment  expectation  days

33.46

Industry  average  payment

178.61

Industry  average  day  sales

193.87

expectation  days

 

outstanding

 

Day  sales  outstanding

151.11

 

 

 

 

Court data summary

 

BANKRUPTCY DETAILS

Court action type                       No

 

PROTESTED BILLS

Bill amount                                --

 

NSSO DETAILS

Date of summons                    

 

 

Company information

 

Business  number

421848545

Company  name

ARJAV  DIAMONDS  NV

Fax  number

032261321

Date  founded

22/07/1981

Company  status

active

Company  type

Public  limited  company

Currency

Euro  (€)

Date  of  latest  accounts

31/12/2014

Activity  code

46761

Liable  for  VAT

yes

Activity  description

Wholesale  of  diamonds  and

VAT  Number

BE.0421.848.545  Check  VAT

 

other  precious  stones

 

number

Belgian  Bullettin  of  Acts Publications

moniteur  belge

 

 

 

 

Contractor details

 

Registered  contractor

-

number

 

Contractor  description

-

Date  struck  off  register

 

 

 

PERSONNEL  (NSSO  CLASSIFICATION)

 

Code

-

Description

-

 

 

JOINT  INDUSTRIAL  COMMITTEE  (JIC)

 

JIC  Code

218

Description

Additional  national  joint  committee  for  the  employees

category

 

JIC  Code

324

Description

Joint  committee  for  the  industry  and  the  trade  in  diamant

 

 

SIGNIFICANT EVENTS

 

Event Date

12/09/2014

Event Description

 

Event Details

Neergelegd: éénparig schriftelijk aandeelhoudersbesluit overeenkomstig art. 556 W.Venn.

 

 

Company accounts

 

ASSETS

 

Annual  accounts

31-12-2014

%

31-12-2013

%

31-12-2012

%

31-12-2011

%

31-12-2010

Weeks

52

 

52

 

52

 

52

 

52

Currency

EUR

 

EUR

 

EUR

 

EUR

 

EUR

Total  fixed  assets

63,502,519

15.79

54,842,609

-26.73

74,849,480

64.44

45,518,206

-22.77

58,938,079

Intangible  fixed  assets

0

-

0

-

0

-

0

-

0

Tangible  fixed  assets

1,204,524

10.12

1,093,788

-28.20

1,523,399

25.81

1,210,878

-24.88

1,611,998

Land  &  building

1,046,519

12.05

933,997

-28.46

1,305,524

27.68

1,022,511

-23.72

1,340,385

Plant  &  machinery

126,812

2.41

123,829

-33.98

187,576

16.46

161,058

-31.37

234,674

Furniture  &  Vehicles

31,193

-13.26

35,962

18.69

30,299

10.95

27,308

-26.07

36,939

Leasing  &  Other  Similar

0

-

0

-

0

-

0

-

0

Rights

 

 

 

 

 

 

 

 

 

Other  tangible  assets

0

-

0

-

0

-100

1

-

0

Financial  fixed  assets

62,297,995

15.91

53,748,821

-26.70

73,326,081

65.49

44,307,328

-22.71

57,326,081

Total  current  assets

406,286,995

0.51

404,236,316

-30.57

582,239,949

16.95

497,854,489

-14.67

583,446,224

Inventories

126,687,422

-8.19

137,988,669

-8.06

150,083,921

-14.12

174,756,599

-25.66

235,073,078

Raw  materials  &

0

-

0

-

0

-

0

-

0

consumables

 

 

 

 

 

 

 

 

 

Work  in  progress

0

-

0

-

0

-

0

-

0

Finished  goods

126,687,422

-8.19

137,988,669

-8.06

150,083,921

-14.12

174,756,599

-25.66

235,073,078

Other  stocks

0

-

0

-

0

-

0

-

0

Trade  debtors

273,321,639

4.35

261,938,313

-38.21

423,942,679

45.99

290,391,312

-4.17

303,014,811

Other  amounts  receivable

137,865

37.07

100,577

-63.47

275,307

142

113,524

-99

22,120,465

Cash

6,025,422

45.02

4,154,850

-46.87

7,820,135

-75.97

32,546,748

40.43

23,176,329

Miscellaneous  current

114,647

112

53,907

-54.28

117,907

154

46,306

-24.76

61,541

assets

 

 

 

 

 

 

 

 

 

Total  Assets

469,789,514

2.33

459,078,925

-30.13

657,089,429

20.93

543,372,695

-15.41

642,384,303

 

 

LIABILITIES

 

Total  shareholders  equity

113,760,573

13.95

99,837,062

28.65

77,605,662

-24.17

102,342,866

-22.41

131,910,265

Issued  share  capital

53,680,743

13.58

47,260,693

-27.49

65,178,173

29.38

50,376,210

-22.71

65,178,173

Share  premium  account

0

-

0

-

0

-

0

-

0

Revaluation  reserve

0

-

0

-

0

-

0

-

0

Reserves

60,079,830

14.27

52,576,369

323

12,427,489

-76.09

51,966,656

-22.13

66,732,092

Provisions  for  Liabilities  &

0

-

0

-

0

-

0

-

0

Charges

 

 

 

 

 

 

 

 

 

Deffered  taxes

0

-

0

-

0

-

0

-

0

Creditors

356,028,941

-0.89

359,241,863

-38.01

579,483,767

31.39

441,029,829

-

0

Other  long  term  loans

125,599,000

13.58

110,577,750

72410

152,500

-99

61,059,100

-48.69

119,000,000

Long  term  group  loans

-

-

-

-

-

-

-

-

-

Other  long  term  liabilities

0

-

0

-

0

-

0

-100

510,474,038

Total  long  term  debts

125,599,000

13.58

110,577,750

72410

152,500

-99

61,059,100

-90.30

629,474,038

Current  portion  of  long  term

0

-

0

-

0

-

0

-

0

debt

 

 

 

 

 

 

 

 

 

Financial  debts

165,755,388

-7.01

178,258,459

-56.45

409,309,442

23.47

331,517,683

-3.50

343,536,317

Trade  creditors

59,609,362

-4.95

62,715,192

480

10,810,255

-76.00

45,043,827

6.54

42,277,751

Amounts  Payable  for

1,668,938

16.77

1,429,206

1639

82,141

-86.34

601,195

-20.56

756,760

Taxes,  Remuneration  &

 

 

 

 

 

 

 

 

 

Social  Security

 

 

 

 

 

 

 

 

 

Miscellaneous  current

3,396,253

-45.76

6,261,256

-96.07

159,129,429

5566

2,808,024

0.56

-505,570,828

liabilities

 

 

 

 

 

 

 

 

 

Total  current  liabilities

230,429,941

-7.33

248,664,113

-57.08

579,331,267

52.47

379,970,729

319

-119,000,000

Total  Liabilities

469,789,514

2.33

459,078,925

-30.13

657,089,429

20.93

543,372,695

-15.41

642,384,303

 

 

RATIO ANALYSIS

 

TRADING  PERFORMANCE

 

Profit  Before  Tax

0.09

1.88

-4.79

77.01

-6.22

-7875

0.08

-33.33

0.12

Return  on  capital  employed

0.24

1.80

-13.31

18.87

-70.53

-19162

0.37

184

0.13

Return  on  total  assets

0.12

1.97

-6.10

73.05

-8.35

-7690

0.11

-26.67

0.15

employed

 

 

 

 

 

 

 

 

 

Return  on  net  assets

0.51

1.82

-28.06

39.71

-70.66

-12076

0.59

-21.33

0.75

employed

 

 

 

 

 

 

 

 

 

Sales  /  net  working  capital

3.75

-0.27

3.76

-98.76

303.34

4840

6.14

420

1.18

Stock  turnover  ratio

19.19

-18.72

23.61

38.80

17.01

-29.54

24.14

-15.18

28.46

Creditor  days

33.46

-11.88

37.97

743

4.50

-80.58

23.17

21.25

19.11

Debtor  days

151.11

-7.61

163.56

-6.74

175.38

19.80

146.39

9.33

133.90

 

SHORT  TERM  STABILITY

 

Current  ratio

1.76

7.98

1.63

61.39

1.01

-22.90

1.31

26.73

-4.90

Liquidity  ratio  /  acid  ratio

1.21

13.08

1.07

42.67

0.75

-11.76

0.85

29.01

-2.93

Current  debt  ratio

2.03

-18.47

2.49

-66.67

7.47

101

3.71

412

-0.90

Liquidity  ratio  reprocessed

-

-

-

-

-

-

-

-

-

Cashflow

402,795

-99

43,600,809

79.63

-54,757,447

-12773

432,074

-32.89

643,858

Net  worth

113,760,573

13.95

99,837,062

28.65

77,605,662

-24.17

102,342,866

-22.41

131,910,265

 

LONG  TERM  STABILITY

 

Gearing

256.11

-11.48

289.31

-45.17

527.62

37.55

383.59

9.40

350.64

Equity  in  percentage

24.22

11.36

21.75

84.17

11.81

-37.28

18.83

-8.28

20.53

Total  debt  ratio

3.13

-13.06

3.60

-51.81

7.47

73.32

4.31

11.37

3.87

Working  capital

175,857,054

13.04

155,572,203

5248

2,908,682

-97.53

117,883,760

-83.22

702,446,224

 

 

Profit  &  loss

 

 

 

 

 

 

 

 

 

Operating  Income

660,217,993

12.94

584,572,121

-33.75

882,341,162

21.85

724,095,536

-12.36

826,261,766

Turnover

660,188,405

12.94

584,534,677

-33.75

882,330,871

21.86

724,050,707

-12.34

826,021,237

Total  operating  expenses

650,211,413

7.87

602,800,773

-31.25

876,750,349

23.54

709,686,565

-12.11

807,479,710

Gross  Operating  Margin

-

-

-

-

-

-

-

-

-

Operating  Charges

650,241,001

7.86

602,838,217

-31.24

876,760,640

23.53

709,731,393

-12.13

807,720,239

Employee  costs

568,370

25.41

453,215

-22.43

584,302

34.63

433,995

-14.20

505,837

Wages  and  salary

423,750

24.22

341,118

-

-

-

324,354

-

-

Employee  pension  costs

-

-

-

-

-

-

-

-

-

Social  security

131,153

27.12

103,170

-

-

-

93,111

-

-

contributions

 

 

 

 

 

 

 

 

 

Other  employee  costs

13,466

50.85

8,927

-

0

-100

16,530

-

0

Director  remuneration

216,863

12.29

193,128

-

-

-

214,702

-

-

Amortization  and

41,483

16.48

35,613

-30.17

51,001

19.57

42,652

-35.30

65,918

depreciation

 

 

 

 

 

 

 

 

 

Operating  result

9,976,992

54.62

-18,266,096

-427

5,580,522

-61.15

14,364,142

-22.53

18,541,527

Total  financial  income

2,499,131

2268

105,527

95.50

53,977

-90.12

546,535

-1.31

553,796

Total  financial  expenses

11,895,374

20.71

9,854,208

-83.71

60,473,852

322

14,305,915

-21.01

18,110,116

Results  on  ordinary

580,748

2.07

-28,014,777

51.09

-54,839,353

-9167

604,762

-38.62

985,207

operations  before  taxation

 

 

 

 

 

 

 

 

 

Extraordinary  Income

-

-

72,957,664

-

-

-

30,896

-

-

Extraordinary  Charges

-

-

-

-

-

-

-

-

-

Extraordinary  items

0

-100

72,957,664

-

0

-100

30,896

-

0

Results  for  the  Year  Before Taxation

580,748

-98.71

44,942,886

81.95

-54,839,353

-8727

635,658

-35.48

985,207

Other  appropriations

-

-

-

-

-

-

-

-

-

Taxation

219,437

-84.07

1,377,690

4457

-30,905

-112

246,236

-39.54

407,267

Results  on  ordinary

361,311

1.23

-29,392,467

53.63

-54,808,448

-15387

358,526

-37.96

577,940

operations  after  taxation

 

 

 

 

 

 

 

 

 

Net  result

361,312

-99

43,565,196

79.49

-54,808,448

-14174

389,422

-32.62

577,940

Profit  (Loss)  for  the  Year  to be appropiated

361,312

-99

43,565,196

79.49

-54,808,448

-14174

389,422

-32.62

577,940

Dividends

-

-

-

-

-

-

-

-

-

 

 

Social Balance Sheet Details

 

Social  Balance  Sheet

 

Total

During  the  reporting  year

 

ended  31-12-2014

 

Full-time  Employees

8

Part-time  Employees

3

Total  Fte  Employees

10

Number  of  hours  worked

 

Full-time  Employees

13,887

Part-time  Employees

2,882

Total

16,769

Personnel  Charges

 

Full-time  Employees

520,205

Part-time  Employees

48,166

Total

568,370

Benefits  In  Addition  To  Wages

-

During  the  previous  reporting  year

 

Average  number  employees  in  Fte

9

Actual  working  hours

15,666

Personnel  Charges

453,215

Benefits  In  Addition  To  Wages

-

 

 

Type  of  Contract

 

Full-Time

Part-Time

Total  Fte

Unlimited  Duration

8

3

10

Contracts

 

 

 

Limited  Duration  Contracts

-

-

-

Contracts  For  Specific  Work

-

-

-

Contracts  Regarding

-

-

-

 

 

Gender and Education Level

Men

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

5

-

5

Higher  education  (non university)

-

-

-

Higher  education (university)

-

-

-

Women

Full-Time

Part-Time

Total  Fte

Primary  education

-

-

-

Secondairy  education

2

3

4

Higher  education  (non university)

1

-

1

Higher  education (university)

-

-

-

 

 

Working  Category

 

Full-Time

Part-Time

Total  Fte

Management

-

-

-

White  collar  worker

7

1

8

Blue  collar  worker

1

2

3

Other

-

-

-

 

 

Temporary  personnel

 

Total

Average  number  of  temporary  staff

-

Actual  working  hours

-

Cost  of  temporary  staff

-

 

 

New  staff  and  leavers

 

Full-Time

Part-Time

Total  Fte

New  Starters

1

1

2

Leavers

-

-

-

 

 

Total  of  formal  continuing  vocational  training  initiatives

 

 

for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

Total  of  less  formal  and  informal  continuing  vocational

 

 

training  initiatives  for  workers  paid  by  the  employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

Total  of  initial  training  initiatives  at  the  expense  of  the

 

 

employer

Male

Female

Number  of  employees

-

-

Number  of  training  hours

-

-

Net  costs  for  enterprise

-

-

 

 


Industry comparison

 

Activity code                            46761

Activity description                  Wholesale of diamonds and other precious stones

industry average credit

rating                                       68.17

Industry average credit limit     216714.34

 

 

Payment Information

 

SUSPENSION OF PAYMENTS / MORATORIUM HISTORY

 

Amount

-

Details

-

 

 

PAYMENT  EXPECTATIONS

 

Payment  expectation  days

33.46

Day  sales  outstanding

151.11

 

 

INDUSTRY  COMPARISON

 

Activity  code

46761

Activity  description

Wholesale  of  diamonds  and  other  precious  stones

Industry  average  payment

178.61

expectation  days

 

Industry  average  day  sales

193.87

outstanding

 

 

 

Industry quartile analysis

 

PAYMENT EXPECTATIONS

 

Company result            33.46

Lower                           130.57

Median                         59.68

Upper                           28.62

 

 

 

 

DAY SALES OUTSTANDING

 

Company result            151.11

Lower                           131.59

Median                         84.51

Upper                           46.77

 

 

Shareholder Details

 

SUMMARY

 

 

Group  -  Number  of  Companies

3

Linkages  -  Number  of  Companies

1

Number  of  Countries

1

 

 

GROUP STRUCTURE

 

Company  name

 

Number

Latest financials

- ARJAV  DIAMONDS  NV

421848545

31-12-2014

- - LUMINIS  STAR  NV

881553816

31-12-2014

- - ARJAV DIAMONDS INDIA PVT LTD SOC.ETR. E....

 

 

 

 

MINORITY SHAREHOLDERS

 

No minority shareholders found

 

MINORITY INTERESTS

 

Business number

 

Company  name

Date  of accounts

887714306

ARJAV  BIDS  NV

31/12/2014

 

 

INDIVIDUAL  SHAREHOLDERS

SHAREHOLDER  NAME

 

 

 

Forename

Ashit

Middle  name

-

Surname

Metha

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

28/10/2010(estimated)

End  date

-

Percentage  owned

49.5%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Della  Faillelaan

House  number

19

Minor  town

Wilrijk

Postal  town

Antwerpen

Post  code

2610

Country

Belgium

SHAREHOLDER  NAME

Forename

Arjav

Middle  name

-

Surname

Mehta

 

 

SHAREHOLDER  DETAILS

 

 

 

Start  date

28/10/2010(estimated)

End  date

-

Percentage  owned

46.09%

 

 

SHAREHOLDER  ADDRESS

 

 

 

Street  name

Della  Faillelaan

House  number

19

Minor  town

-

Postal  town

Antwerpen

Post  code

2020

Country

Belgium

 

 

Linked Companies

 

SUMMARY

 

Group - Number of Companies             3

Linkages - Number of Companies        1

Number of Countries                            1

 

 

LINKED COMPANIES

NAME

NUMBER

LATEST  KEY

TURNOVER

 

 

FINANCIALS

 

ARJAV  BIDS  NV

887714306

31.12.2014

€1.691.422

 

 

SUMMONS

There is no data for this company

 

PROTESTED BILLS

There is no data for this company

 

BANKRUPTCY AND OTHER LEGAL EVENTS

There is no data for this company

 

 

Director details

 

CURRENT DIRECTOR DETAILS

 

Position

Managing  Director

Start  Date

01/04/2008

Street

19 DELLA  FAILLELAAN  ANTWERPEN

Post  code

2020

Country

Belgium

Name

Arjav  Mehta

Position

Director

Start  Date

01/04/2008

Street

19 DELLA  FAILLELAAN  ANTWERPEN

Post  code

2020

Country

Belgium

Name

Ashit  Mehta

Position

Managing  Director

Start  Date

27/06/1996

Street

 

Post  code

 

Country

 

Position

Director

Start  Date

27/06/1996

Street

 

Post  code

 

Country

 

 

 

FORMER DIRECTOR DETAILS

 

------

 

DIAMOND INDUSTRY – INDIA

 

-            From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-            The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-            The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-            Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-            Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-            Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-            Excerpts from Times of India dated 30th October 2010 is as under –

-            Gem & Jewellery Export Promotion Council in its statistical data has shown the export of polished diamonds to have increase by 28 % in February 2013. Compared to $ 1.4 bn worth of polished diamond export in February, 2012, India exported $ 1.84 billion worth of polished diamonds in February 2013. A senior executive of GJEPC said, “Export of cut and polished diamonds started falling month-wise after the imposition of 2 % of import duty on the polished diamonds. But February, 2013 has given a new ray of hope to the industry as the export of polished diamonds has actually increased by 28 %. It means the industry  is on the track of recovery and round tripping of diamonds has stopped completely.” Demand has started coming from the US, the UK, Japan and China. India’s polished diamond export is expected to cross $ 21 bn in 2013-14.

-            The banking sector has started exercising restraint while following prudent risk management norms when lending money to gems and jewellery sector. This follows the implementation of Basel III accord – a global voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.42

UK Pound

1

Rs.99.17

Euro

1

Rs.72.14

EUR

1

Rs.72.11

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

KIN

 

 

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.