MIRA INFORM REPORT

 

 

Report No. :

355758

Report Date :

23.12.2015

 

IDENTIFICATION DETAILS

 

Name :

ANYOLI SDN. BHD.

 

 

Registered Office :

Suite 12B-23, Wisma Zelan, 1, Jalan Tasik Permaisuri 2, Bandar Tun Razak Cheras, Level 12B, 56000 Kuala Lumpur, Wilayah Persekutuan

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

03.08.2011

 

 

Com. Reg. No.:

955601-K

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Manufacturing of copper ingots and copper wire bars

 

 

No. of Employee :

Not Available

 


 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

 

 

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)

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. Malaysia is vulnerable to a fall in world commodity prices or a general slowdown in global economic activity.

The NAJIB administration 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. Gross exports of goods and services constitute more than 80% of GDP. The oil and gas sector supplied about 29% of government revenue in 2014. 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 trying to lessen its dependence on state oil producer Petronas.

Bank Negara Malaysia (the central bank) maintains healthy foreign exchange reserves; a well-developed regulatory regime has limited Malaysia's exposure to riskier financial instruments and the global financial crisis. In order to attract increased investment, NAJIB 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

company name

 

ANYOLI SDN. BHD.

 

 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

955601-K

COMPANY NAME

:

ANYOLI SDN. BHD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

03/08/2011

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

SUITE 12B-23, WISMA ZELAN, 1, JALAN TASIK PERMAISURI 2, BANDAR TUN RAZAK CHERAS, LEVEL 12B, 56000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

BUSINESS ADDRESS

:

LOT 19 JALAN ZURAH 3A/2 AND LOT 20, JALAN ZURAH 3A/1, ZURAH INDUSTRIAL PARK, RASA, 44200 RASA, SELANGOR, MALAYSIA.

TEL.NO.

:

N/A

FAX.NO.

:

N/A

HP.NO.

:

0162606421

CONTACT PERSON

:

VARUN GOEL ( DIRECTOR )

INDUSTRY CODE

:

07299

PRINCIPAL ACTIVITY

:

MANUFACTURING OF COPPER INGOTS AND COPPER WIRE BARS

AUTHORISED CAPITAL

:

MYR 5,000,000.00 DIVIDED INTO 
ORDINARY SHARE 5,000,000.00 OF MYR 1.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 1,350,000.00 DIVIDED INTO 
ORDINARY SHARES 1,350,000 CASH OF MYR 1.00 EACH.

SALES

:

MYR 94,011,932 [2014]

NET WORTH

:

MYR 2,280,676 [2014]

STAFF STRENGTH

:

N/A

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

STABLE

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

WEAK

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

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, 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) manufacturing of copper ingots and copper wire bars.

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

 

Share Capital History

Date

Authorised Shared Capital

Issue & Paid Up Capital

22/05/2015

MYR 5,000,000.00

MYR 1,350,000.00

30/11/2012

MYR 5,000,000.00

MYR 150,000.00

04/08/2011

MYR 5,000,000.00

MYR 2.00

 

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

 

Current Shareholder(s) :

Name

Address

IC/PP/Loc No

Shareholding

(%)

RAMESH CHANDER GOEL

UNIT 23-1, BLOCK B, MENARA BANGSAR, JALAN MAAROF, BANGSAR, 59100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

Z2069632

1,215,000.00

90.00

VANEETA GUPTA

AE-198, SHALIMAR BAGH, NEW DELHI 110088 ,INDIA

G6013403

135,000.00

10.00

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

------

1,350,000.00

100.00

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

=====

+ Also Director

 

Former Shareholder(s) :

Name

Country

IC/PP/Loc No

Shareholding

Last Updated

CHAN PUI SZE

MALAYSIA

781026-14-5684

N/A

N/A

 

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

VIPIN GOEL

Address

:

UNIT 23-1, BLOCK B, MENARA BANGSAR, JALAN MAAROF, BANGSAR, 59100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

Other Address(es)

:

BT-61 SHAMILAR BAGH, DELHI-110088 INDIA, MALAYSIA.

IC / PP No

:

G8995314

Nationality

:

INDIAN

Date of Appointment

:

10/08/2011

 

DIRECTOR 2

 

Name Of Subject

:

VARUN GOEL

Address

:

UNIT 23-1, BLOCK B MENARA BANGSAR, JALAN MAAROF, BANGSAR, 59100 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

IC / PP No

:

Z2069655

Nationality

:

INDIAN

Date of Appointment

:

13/06/2013

 

DIRECTOR 3

 

Name Of Subject

:

JANARDHANAN HARIDAS PUTHUVELIL

Address

:

HARIDAS BHAWAN MYLADUPARA, KKUMBHZHA P.O, PATHANAM KERALA, INDIA.

IC / PP No

:

F0033665

Nationality

:

INDIAN

Date of Appointment

:

10/08/2011

 

DIRECTOR 4

 

Name Of Subject

:

MR. GOPALA KRISHNAN A/L MARIAPPAN

Address

:

41, LORONG SUNGAI 4B/KS3, OFF JALAN TEPI SUNGAI, TAMAN DESA INDAH, 41100 KLANG, SELANGOR, MALAYSIA.

Other Address(es)

:

TMN SRI SEMENTA, SUNGAI KAPAR INDAH, SEMENTA, 42200 KAPAR, SELANGOR, MALAYSIA.

IC / PP No

:

5352702

New IC No

:

570329-10-6121

Date of Birth

:

29/03/1957

Nationality

:

MALAYSIAN

Date of Appointment

:

01/04/2015



MANAGEMENT

 

 

 

1)

Name of Subject

:

VARUN GOEL

Position

:

DIRECTOR

AUDITOR

 

Auditor

:

S P TAN & SUNDAR

Auditor' Address

:

SUITE 12B-22, WISMA ZELAN, 1, JALAN TASIK PERMAISURI 2, BANDAR TUN RAZAK, CHERAS,LEVEL 12B, 56000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MS. T RATNAJOTHY A/P THAMBIDURAI

IC / PP No

:

5479627

New IC No

:

580606-08-5146

Address

:

LOT 587/72, JALAN NGP 2/4, NEW GREEN PARK, JALAN WATERFALL, 48000 RAWANG, SELANGOR, MALAYSIA.

 

2)

Company Secretary

:

MR. SURDASS @ VIPIN KUMAR

IC / PP No

:

4243746

New IC No

:

511114-10-5957

Address

:

11, LORONG RAHIM KAJAI LAPAN, TAMAN TUN DR. ISMAIL, 60000 KUALA LUMPUR, WILAYAH PERSEKUTUAN, 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


The Subject refused to disclose its 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

:

N/A

Overseas

:

N/A


The Subject refused to disclose its clientele. 

 

 

OPERATIONS

 

Products manufactured

:

COPPER INGOTS AND COPPER WIRE BARS

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) manufacturing of copper ingots and copper wire bars. 

The Subject refused to disclose its operation. 


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

603 20114120

Current Telephone Number

:

0162606421

Match

:

NO

Address Provided by Client

:

LOT NO 19 & 20, JALAN ZURAH 3A/1, ZURAH INDUSTRIAL PARK 44200 RASA SELANGOR

Current Address

:

LOT 19 JALAN ZURAH 3A/2 AND LOT 20, JALAN ZURAH 3A/1, ZURAH INDUSTRIAL PARK, RASA, 44200 RASA, SELANGOR, MALAYSIA.

Match

:

NO

Latest Financial Accounts

:

YES

 

Other Investigations


We contacted one of the Subject's Director Mr Varun on his mobile at 0162606421 but he refused to disclose any information on the Subject. He also refused to disclose the Subject's business address.

The Subject commenced its business operations on 1st March 2014.

He refused to disclose the Subject's number of employees.

The address is as per stated in the report.


FINANCIAL ANALYSIS

 

 

Profitability

Turnover

:

Increased

[

(0.00%)

]

Profit/(Loss) Before Tax

:

Decreased

[

(708.06%)

]

Return on Shareholder Funds

:

Favourable

[

59.52%

]

Return on Net Assets

:

Favourable

[

64.20%

]

The higher turnover could be attributed to the favourable market condition.The management had succeeded in turning the Subject into a profit making company. The profit could be due to better control of its operating costs and efficiency in utilising its resources. Generally the Subject was profitable. The favourable return on shareholders' funds and return on net assets indicate that the Subject's management was efficient in utilising the assets to generate returns.

Working Capital Control

Stock Ratio

:

Favourable

[

1 Days

]

Debtor Ratio

:

Favourable

[

34 Days

]

Creditors Ratio

:

Favourable

[

12 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

:

Acceptable

[

0.97 Times

]

Current Ratio

:

Unfavourable

[

0.99 Times

]

The Subject's liquid ratio was slightly low. This could indicate that the Subject's working capital was slightly deficient. The Subject will have to improve its liquidity position either by obtaining short term financing or increase its paid up capital so that it can meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Favourable

[

429.32 Times

]

Gearing Ratio

:

Favourable

[

0.04 Times

]

The interest cover showed that the Subject was able to service the interest. The favourable interest cover could indicate that the Subject was making enough profit to pay for the interest accrued. The Subject was lowly geared thus it had a low financial risk. The Subject was mainly financed by its shareholders' funds and internally generated funds. In times of economic slowdown / downturn, the Subject being a lowly geared company, will be able to compete better than those companies which are highly geared in the same industry.

Overall Assessment :

The higher turnover had helped to reduce the Subject's losses. The Subject's liquidity was at an acceptable range. If the Subject is able to obtain further short term financing, it should be able to meet all its short term obligations. With the favourable interest cover, the Subject could be able to service all the accrued interest without facing any difficulties. The Subject as a lowly geared company, will be more secured compared to those highly geared companies. It has the ability to meet all its long term obligations.

Overall financial condition of the Subject : STABLE

 

 

 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2011

2012

2013

2014*

2015**

Population ( Million)

28.7

29.3

29.8

30.0

30.5

Gross Domestic Products ( % )

5.1

5.6

5.3

6.0

4.7

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

82,480

85,258

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

3.2

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

49,203

-

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

44.0

44.2

Tourist Arrival ( Million Persons )

24.7

25.0

25.7

27.4

29.4

Hotel Occupancy Rate ( % )

60.6

62.4

62.6

63.6

58.8

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)

1.0

0.7

0.7

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

5.3

Electrical & Electronics

(4.0)

12.7

6.9

13.3

7.9

Rubber Products

20.7

3.0

11.7

(0.3)

3.4

Wood Products

(5.1)

8.7

(2.7)

5.1

7.1

Textiles & Apparel

13.2

(7.1)

(2.6)

11.5

7.2

Domestic-oriented Industries

10.7

1.7

6.8

9.4

3.3

Food, Beverages & Tobacco

4.80

2.70

3.60

6.13

8.90

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

3.6

Non-metallic Mineral

12.1

2.9

(2.0)

5.4

7.2

Transport Equipment

12.0

3.4

13.8

22.9

7.6

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

 

07299 : Mining of other non-ferrous metal ores n.e.c.

INDUSTRY :

OIL & GAS

Malaysia has some 28.35 billion barrels of oil (BBOE) reserves and about 1.2 per cent of the world's natural gas reserves (2.35 trillion cubic metres) of proven reserves. Malaysia has a current production rate of 730,000 barrels per day of crude oil products. It is the fourth-highest reserves in Asia-Pacific after China, India, and Vietnam. Nearly all of Malaysia's oil comes from offshore fields. The continental shelf is divided into three producing basins: the Malay basin offshore peninsular Malaysia in the west and the Sarawak and Sabah basins in the east. In 2011, the contribution from petroleum was 35.8% from total government revenue, followed by 33.7% in 2012 and 31.2% in 2013.

In 2014, production of crude oil is estimated to rebound by 2.1% to 588,000 bpd (2013: -1.6%, 576,000 bpd). However, during the first seven months of 2014, production of crude oil declined marginally by 0.7% to 582,156 barrels per day (bpd) (January - July 2013: 1%, 586,296 bpd), due mainly to lower production from the maturing oil fields during the first quarter. Nevertheless, output of crude oil expanded by 4% in the second quarter of year 2014, driven by production enhancement efforts and commencement of production from new oil fields.

Furthermore, Malaysia's gas production is estimated to increase 0.4% to 6,298 mmscfd in 2014 (2013: 6,271 mmscfd). However, production of natural gas declined marginally by 0.4% to 6,275 million standard cubic feet per day (mmscfd) during the first seven months of 2014 (January - July 2013: 7.9%, 6,303 mmscfd) due to the sharp decline in natural gas production in July 2014 (-17.3%). The gas consumption over the first six months in year 2014 has increased 5.8% to 71.5 million British thermal unit (Btu) (January - June 2013: 8.8%, 67.6 million Btu) with gas sales rising 12.8% to RM1.2 million (January - June 2013: 8.8%, Rm1.1 million).

Moreover, Gas Malaysia Berhad will build a natural gas pipeline in two new industrial areas in 2014, which are Terengganu and Johor. The availability of natural gas pipeline in new industries areas will encourage investors to use natural gas, hence increasing its usage. In addition, the shift from oil-based fuels such as diesel and medium fuel oil to natural gas by the industry will also help reduce air pollution. On the other hand, Petronas continues to actively explore new fields in Malaysia, as at end of March 2014, exploration activity involved six fields in Sarawak and one in Peninsular Malaysia.

The Pengerang oil storage terminal in Johor, Malaysia's largest commercial oil storage facility has started operations in early 2014. It will have a storage capacity of more than 10 million barrels to house crude oil and oil products by the end of 2014 with a potential to expand to 41 million barrels in the future. This terminal bolstered southern Malaysia's oil storage capacity by 70% to more than 25 million barrels.

The Government of Malaysia also contributes significantly towards policy and macro-economic planning to secure a sustainable and long-term success of the oil and gas industry. The Government's main objective is to increase aggregate production capacity by 5% every year up to 2020 to meet domestic demand growth while sustaining crude oil and LNG exports to overseas markets. In the Asia Pacific region, Malaysia aims to be the number one oil and gas hub by 2017, taking advantage of its strategic location at key shipping lanes as well as strong economic fundamentals in China, India and within Southeast Asia.

Starting from Dec 1, 2014, Malaysia will abolish subsidies for gasoline and diesel due to the falling oil prices. The cost of the widely used RON 95 grade of gasoline and diesel will be based on a managed float system. According to Prime Minister Datuk Seri Najib Razak, the savings from fuel subsidies following the introduction of the managed float system can be used for socio-economic development to benefit the people. Citing the recent drop in the price of RON97 petrol as an example, Najib said the managed float system would enable the government to make fuel-price adjustments quicker to help the rakyat. He said the savings from fuel subsidies could be channeled to other sectors, such as agriculture, education and health, which would directly benefit the people.

OVERALL INDUSTRY OUTLOOK : Average Growth



CREDIT RISK EVALUATION & RECOMMENDATION

 

 

Incorporated in 2011, the Subject is a Private Limited company, focusing on manufacturing of copper ingots and copper wire bars. 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. A paid up capital of MYR 1,350,000 allows the Subject to expand its business more comfortably. However, the Subject does not have strong shareholders’ backing. Without a strong shareholders' backing, the opportunity of the Subject to expand its business is limited. 


Overall, we regard that the Subject's management capability is weak. Without capable management, the Subject is unlikely to be successful and often contribute to unacceptable levels of accountability. Weak management can affect productivity, profitability, sales growth and ultimately can result in the failure of a business. 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 managed to maintain an adequate liquidity level, indicating that the Subject has the ability to meet its financial obligations. Being a lowly geared company, the Subject is exposed to low financial risk as it is mainly dependent on its internal funds to finance its business needs. Given a positive net worth standing at MYR 2,280,676, 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. 


In view of the above, we recommend credit be granted to the Subject with close monitoring.

 

 

 

PROFIT AND LOSS ACCOUNT

 

 

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

ANYOLI SDN. BHD.

 

Financial Year End

2014-12-31

2013-12-31

2012-12-31

Months

12

12

12

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

MYR

MYR

MYR

TURNOVER

94,011,932

-

-

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

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

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

Total Turnover

94,011,932

-

-

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

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

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

PROFIT/(LOSS) FROM OPERATIONS

1,619,922

(266,408)

(160,458)

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

1,619,922

(266,408)

(160,458)

Taxation

(262,380)

-

-

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

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

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

PROFIT/(LOSS) AFTER TAXATION

1,357,542

(266,408)

(160,458)

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

(426,866)

(160,458)

-

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

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

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

As restated

(426,866)

(160,458)

-

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

930,676

(426,866)

(160,458)

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

930,676

(426,866)

(160,458)

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

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

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

INTEREST EXPENSE (as per notes to P&L)

Hire purchase

3,782

-

-

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

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

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

3,782

-

-

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

-

-

DEPRECIATION (as per notes to P&L)

128,546

7,503

-

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

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

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

128,546

7,503

-

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

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

 

 

 

BALANCE SHEET

 

 

ANYOLI SDN. BHD.

 

ASSETS EMPLOYED:

FIXED ASSETS

2,577,864

1,944,742

-

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

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

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

TOTAL LONG TERM ASSETS

2,577,864

1,944,742

-

Stocks

261,973

-

-

Trade debtors

8,791,795

-

-

Other debtors, deposits & prepayments

96,597

88,054

1,100

Cash & bank balances

5,011

122,499

37,471

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

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

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

TOTAL CURRENT ASSETS

9,155,376

210,553

38,571

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

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

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

TOTAL ASSET

11,733,240

2,155,295

38,571

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

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

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

CURRENT LIABILITIES

Trade creditors

3,027,615

-

-

Other creditors & accruals

665,341

621,667

28,677

Hire purchase & lease creditors

38,312

-

-

Bank overdraft

7,484

-

-

Provision for taxation

68,198

-

-

Other liabilities

5,397,059

610,494

20,352

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

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

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

TOTAL CURRENT LIABILITIES

9,204,009

1,232,161

49,029

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

(48,633)

(1,021,608)

(10,458)

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

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

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

TOTAL NET ASSETS

2,529,231

923,134

(10,458)

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

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

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

SHARE CAPITAL

Ordinary share capital

1,350,000

1,350,000

150,000

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

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

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

TOTAL SHARE CAPITAL

1,350,000

1,350,000

150,000

Retained profit/(loss) carried forward

930,676

(426,866)

(160,458)

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

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

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

TOTAL RESERVES

930,676

(426,866)

(160,458)

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

2,280,676

923,134

(10,458)

Hire purchase creditors

54,373

-

-

Deferred taxation

194,182

-

-

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

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

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

TOTAL LONG TERM LIABILITIES

248,555

-

-

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

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

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

2,529,231

923,134

(10,458)

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

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

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

 

 

 

FINANCIAL RATIO

 

 

ANYOLI SDN. BHD.

 

TYPES OF FUNDS

Cash

5,011

122,499

37,471

Net Liquid Funds

(2,473)

122,499

37,471

Net Liquid Assets

(310,606)

(1,021,608)

(10,458)

Net Current Assets/(Liabilities)

(48,633)

(1,021,608)

(10,458)

Net Tangible Assets

2,529,231

923,134

(10,458)

Net Monetary Assets

(559,161)

(1,021,608)

(10,458)

PROFIT & LOSS ITEMS

Earnings Before Interest & Tax (EBIT)

1,623,704

(266,408)

(160,458)

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

1,752,250

(258,905)

(160,458)

BALANCE SHEET ITEMS

Total Borrowings

100,169

0

0

Total Liabilities

9,452,564

1,232,161

49,029

Total Assets

11,733,240

2,155,295

38,571

Net Assets

2,529,231

923,134

(10,458)

Net Assets Backing

2,280,676

923,134

(10,458)

Shareholders' Funds

2,280,676

923,134

(10,458)

Total Share Capital

1,350,000

1,350,000

150,000

Total Reserves

930,676

(426,866)

(160,458)

LIQUIDITY (Times)

Cash Ratio

0

0.10

0.76

Liquid Ratio

0.97

0.17

0.79

Current Ratio

0.99

0.17

0.79

WORKING CAPITAL CONTROL (Days)

Stock Ratio

1

0

0

Debtors Ratio

34

0

0

Creditors Ratio

12

0

0

SOLVENCY RATIOS (Times)

Gearing Ratio

0.04

0

0

Liabilities Ratio

4.14

1.33

(4.69)

Times Interest Earned Ratio

429.32

0

0

Assets Backing Ratio

1.87

0.68

(0.07)

PERFORMANCE RATIO (%)

Operating Profit Margin

1.72

0

0

Net Profit Margin

1.44

0

0

Return On Net Assets

64.20

(28.86)

1,534.31

Return On Capital Employed

63.06

(28.86)

1,534.31

Return On Shareholders' Funds/Equity

59.52

(28.86)

1,534.31

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.66.30

UK Pound

1

Rs.98.71

Euro

1

Rs.72.33

MYR

1

Rs. 15.36

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAS

 

 

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.