MIRA INFORM REPORT

 

 

Report No. :

355499

Report Date :

23.12.2015

 

IDENTIFICATION DETAILS

 

Name :

MEYER BURGER AG

 

 

Registered Office :

Schorenstrasse 39, 3645 Gwatt (Thun)/BE, Switzerland/CH

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

1953

 

 

Com. Reg. No.:

092.3.006.969-4

 

 

Legal Form :

Company Limited By Shares

 

 

Line of Business :

Subject is a globally active technology group with an unrivalled and comprehensive system and product portfolio for the future-oriented markets of photovoltaics, semiconductors, optoelectronics and other high-tech industries.

 

 

No. of Employees :

400

 

 

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)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

SWITZERLAND - ECONOMIC OVERVIEW

 

Switzerland is a peaceful, prosperous, and modern market economy with low unemployment, a highly skilled labor force, and a per capita GDP among the highest in the world. Switzerland's economy benefits from a highly developed service sector, led by financial services, and a manufacturing industry that specializes in high-technology, knowledge-based production. Its economic and political stability, transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates also make Switzerland one of the world's most competitive economies.

 

The Swiss have brought their economic practices largely into conformity with the EU's to enhance their international competitiveness, but some trade protectionism remains, particularly for its small agricultural sector. The fate of the Swiss economy is tightly linked to that of its neighbors in the euro zone, which purchases half of Swiss exports. The global financial crisis of 2008 and resulting economic downturn in 2009 stalled demand for Swiss exports and put Switzerland into a recession. During this period, the Swiss National Bank (SNB) implemented a zero-interest rate policy to boost the economy, as well as to prevent appreciation of the franc, and Switzerland's economy began to recover in 2010.

 

The sovereign debt crises unfolding in neighboring euro-zone countries, however, coupled with ongoing economic instability in Russia and other eastern European economies continue to pose a significant risk to the Swiss economy, driving up demand for the Swiss franc by investors seeking a safe-haven currency. In January 2015, the SNB abandoned the Swiss franc’s peg to the Euro, roiling global currency markets and making active SNB intervention a necessary hallmark of present-day Swiss monetary policy. The independent SNB has upheld its zero interest rate policy and conducted major market interventions to prevent further appreciation of the Swiss franc, but parliamentarians have urged it to do more to weaken the currency. The franc's strength has made Swiss exports less competitive and weakened the country's growth outlook; GDP growth fell below 2% per year from 2011-14.

 

In recent years, Switzerland has responded to increasing pressure from neighboring countries and trading partners to reform its banking secrecy laws, by agreeing to conform to OECD regulations on administrative assistance in tax matters, including tax evasion. The Swiss government has also renegotiated its double taxation agreements with numerous countries, including the US, to incorporate OECD standards, and is openly considering the possibility of imposing taxes on bank deposits held by foreigners.

 

Source : CIA

 


Company name & address

 

MEYER BURGER AG

 

Operating address:

Schorenstrasse 39

3645 Gwatt (Thun)/BE

Switzerland/CH

 

Telephone:                   033 2212100

                                    033 2212121

Fax:                             033 2212510

                                    033 2212122

 

Web site:                      http://www.meyerburger.ch

E-mail:                         mbinfo@meyerburger.ch

 

WIN Worldbox No.:       CH0000173203

VAT-No.:                      CHE-101.974.158 MWST

UID-No.:                       CHE101974158

 

 

Profile

 

Established:                 1953

Line of Business:          Machinery

Industry Division:          Manufacturing

Industry-code (NACE):  2841       Manufacture of metal forming machinery

                                    2899       Manufacture of other special-purpose machinery n.e.c.

Import/Export:              Export

Quality certification:      ISO 9001

Banks:                          UBS Ltd

                                    BEKB Berner Kantonalbank

 

 

Operational Figures

 

Coverage:                    Company

Figures:                        estimated

Financial year:              2015

Employees:                  400

Sales:                          CHF 200-400 Mio

 

 

Activity

 

Meyer Burger is a globally active technology group with an unrivalled and comprehensive system and product portfolio for the future-oriented markets of photovoltaics, semiconductors, optoelectronics and other high-tech industries.

 

Wafer Production:

The company offers machines and integrated complete systems for slicing hard and brittle materials such as silicon and sapphire. Customers use equipment of this type to produce blanks, so-called wafers. These wafers are used in subsequent production processes to produce solar cells, solar modules and products outside the solar industry such as high-performance LEDs.

 

Module Production:

The company offers machines and complete systems with which to finish solar cells into ready-to-fit solar modules. The solutions developed for this purpose are the most technologically advanced of their kind.

 

PV Systems:

The company develops and produces innovative Swiss solar systems for in-roof, flat roof, facade and hybrid applications. The solar construction elements integrate perfectly into the architectural design language of the buildings.

 

 

Real Estate

 

Real Estate:                  The company owns buildings.

Area:                            6,000 m2

 

 

Company Register

 

Company No:               092.3.006.969-4

UID-No.:                       CHE101974158

Legal form:                   Company limited by shares

Registration:                 15.04.1959

Legal status:                 active

Responsible Register:   Handelsregister des Kantons Bern

History:                        Date of Statutes: 05.09.1997

                                    Date of Incorporation Statutes: 27.12.1958

                                    Date of Statutes: 26.01.2010

                                    Date of Statutes: 27.07.2007

                                    Date of Statutes: 03.10.2006

                                    Date of Statutes: 28.09.2004

                                    Date of Statutes: 29.06.2004

 

Entry          Deleted      Name

12.10.2006                    Meyer Burger AG

12.10.2006                    Meyer Burger Ltd (Name translated)

12.10.2006                    Meyer Burger SA (Name translated)

                  22.12.1995  Maschinenfabrik Meyer & Burger A.G.

06.10.2004  12.10.2006  Meyer & Burger AG

22.12.1995  06.10.2004  Maschinenfabrik Meyer & Burger AG

 

Entry          Deleted      Legal domicile

06.08.2007                    Thun, Switzerland

                  06.08.2007  Steffisburg, Switzerland

 

Entry          Deleted      Address

01.06.2012                    Schorenstrasse 39, 3645 Gwatt (Thun)/BE, Switzerland/CH

                  06.08.2007  Alte Bernstrasse 146 A, 3613 Steffisburg, Switzerland/CH

06.08.2007  01.06.2012  Allmendstrasse 86, 3600 Thun/BE, Switzerland/CH

 

Entry          Deleted      Capital

active                           Share Capital CHF 500,000, paidup CHF 500,000

 

Entry          Deleted      Capital Structure

active                           50 Registered shares of CHF 10,000.--

 

Entry          Deleted      Activity

05.02.2010                    The company is engaged in partial or complete production of and trade in machinery, apparatus and their parts and other activities in the sector of hard materials, particularly for the processed metal industry. The Company may participate in Group financing, in particular by its direct or indirect subsidiaries or other affiliated companies provide loans or grants for their liabilities to third parties guarantees or other securities of any kind, even if these loans or collateral in the sole interest of its direct or indirect shareholders or other Group companies are and will be granted free of charge . The Company may establish branch offices, participate in other companies both at home and abroad to acquire similar or related businesses or merge with such, acquire, manage or continue to sell and enter into all transactions and sign contracts, which are suitable to promote the purposes of the Company or those which are directly or indirectly related .

 

Entry          Deleted      Remarks

02.10.2012                    Merger: Acquisition of the assets and liabilities of 3S SWISS SOLAR SYSTEMS AG in Lyss (CH-036.3.041.991-3), pursuant to the merger agreement dated 27.09.2012 and balance sheet as of 30.06.2012. Assets of CHF 48'570'594.00 and liabilities (liabilities) of CHF 56'908'853.00, including a accrual of CHF 8'338'259.00, shall be transferred to the acquiring company. The transferee company has confirmed according to the state regulated audit firm about the available equity regarding the extent of the shortfall and the over-indebtedness. Since the same shareholder holds all the shares of companies involved in the merger, neither a capital increase or an allotment of shares takes place.

 

 

Official Administration

 

Title                                           Name

President                                    Peter Pauli

                                                  Citizen: Vechigen, Switzerland

                                                  Residential address: Uetendorf, Switzerland

                                                  joint signature of two

                                                  Registered since: 05.02.2003

Director                                      Michel Hirschi

                                                  Citizen: Schwarzenburg, Switzerland

                                                  Residential address: Bern/BE, Switzerland

                                                  joint signature of two

                                                  Registered since: 21.07.2006

 

 

Management

 

Title                                           Name

Chairman of the management      Bernhard Gerber

                                                  Citizen: Langnau im Emmental, Switzerland

                                                  Residential address: Ersigen, Switzerland

                                                  joint signature of two

                                                  Registered since: 09.09.2014

Member with signing authority      Ralph Balmer

                                                  Citizen: Wilderswil, Switzerland

                                                  Residential address: Bern, Switzerland

                                                  joint signature of two

                                                  Registered since: 04.03.2015

Member with signing authority      Benedikt Bucher

                                                  Citizen: Flühli, Switzerland

                                                  Residential address: Langnau im Emmental, Switzerland

                                                  joint signature of two

                                                  Registered since: 28.04.2014

Member with signing authority      Patrick Hofer

                                                  Citizen: Biglen, Switzerland

                                                  Residential address: Thun, Switzerland

                                                  joint signature of two

                                                  Registered since: 28.04.2014

Member with signing authority      Rémy Kuonen

                                                  Citizen: Guttet-Feschel, Switzerland

                                                  Residential address: Bern, Switzerland

                                                  joint signature of two

                                                  Registered since: 04.03.2015

Member with signing authority      Daniel Sturzenegger

                                                  Citizen: Speicher, Switzerland

                                                  Residential address: Oftringen, Switzerland

                                                  joint signature of two

                                                  Registered since: 04.03.2015

Member with signing authority      Thomas Weber

                                                  Citizen: Niederried bei Kallnach, Switzerland

                                                  Residential address: Seedorf/BE, Switzerland

                                                  joint signature of two

                                                  Registered since: 02.10.2012

Member with signing authority      Peter Zurbrügg

                                                  Citizen: Reichenbach im Kandertal, Switzerland

                                                  Residential address: Köniz, Switzerland

                                                  joint signature of two

                                                  Registered since: 02.10.2012

Member with procuration             Tanja Blatter

                                                  Citizen: Habkern, Switzerland

                                                  Residential address: 3634 Thierachern/BE, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 07.07.2009

Member with procuration             Walter Wieland

                                                  Citizen: Valendas, Switzerland

                                                  Residential address: Kirchdorf/BE, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 15.07.2008

 

 

External Positions

 

Title                                           Name

Auditor                                       PricewaterhouseCoopers AG

                                                  Residential address: Bern, Switzerland

                                                  Id: CHE-308.775.052

                                                  Registered since: 28.04.2014

 

 

Executive board

 

Title                                           Name

Chief Executive Officer               Bernhard Gerber

Chief Financial Officer                 Michel Hirschi

 

 

Ultimate Parent Company

 

Name:                          Meyer Burger Technology AG

City/Country:                Gwatt/BE, Switzerland/CH

 

 

Direct owner/-s

 

No. of owner/-s:            1

Owner:                         The company is domestic owned.

 

Class:                          100%

Name:                          Meyer Burger Technology AG

City/Country:                Gwatt/BE, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest (since 1999)

 

 

Sisters

 

Name:                          MB Services AS

City/Country:                Porsgrunn, Norway/NO

 

Name:                          MB Services Co. Ltd

City/Country:                Gueishan Township/Taoyuan County, Taiwan/TW

 

Name:                          MB Services Pte. Ltd.

City/Country:                Singapore, Singapore/SG

 

Name:                          MB Systems Co Ltd

City/Country:                Seoul, South Korea/KR

 

Name:                          MB Systems Private Limited

City/Country:                CHENNAI/Tamil Nadu, India/IN

 

Name:                          MBT Systems GmbH

City/Country:                Langenfeld/Nordrhein-Westfalen, Germany/DE

 

Name:                          Meyer Burger GmbH

City/Country:                Langenfeld/Nordrhein-Westfalen, Germany/DE

 

Name:                          Meyer Burger S.L.

City/Country:                Barcelona, Spain/ES

 

Name:                          Meyer Burger Systems (Shanghai) Co Ltd

City/Country:                Shanghai, China/CN

 

Name:                          Pasan SA

City/Country:                Neuchâtel/NE, Switzerland/CH

 

 

Financial Data Meyer Burger Technology AG

 

Consolidation:             consolidated

Industry:                      Trade/Industry

 

Fiscal year end:                                    31.12.2014        31.12.2013        31.12.2012        31.12.2011        31.12.2010

Number of months:                                     12                    12                    12                    12                    12

Currency:                                                th. CHF            th. CHF            th. CHF            th. CHF            th. CHF

Statement norm:                                  Local GAAP                                   IAS                  IAS                  IAS

 

Balance Sheet

Intangible fixed assets                              132,133.0          178,088.0         468,958.0          540,195.0         395,385.0

Land and buildings                                     70,904.0           74,247.0           74,748.0           30,493.0                285.0

Other tangible fixed assets                          70,283.0           67,418.0           89,013.0          102,959.0           33,886.0

Tangible fixed assets                                141,187.0          141,665.0         163,761.0          133,452.0           34,171.0

Financial fixed assets                                         0.0                   0.0                334.0             3,657.0                186.0

other fixed assets                                     112,031.0           86,545.0           77,117.0           58,110.0           12,492.0

Fixed assets                                             385,351.0          406,298.0         710,170.0          735,414.0         442,234.0

 

Stocks                                                      134,418.0          147,887.0         173,733.0          212,005.0         139,028.0

Trade accounts receivable                           39,545.0           27,802.0           36,637.0           79,208.0           36,937.0

Cash & Cash Equivalents                          169,768.0          173,179.0         134,504.0          260,180.0         393,543.0

Securities                                                           0.0                   0.0                 82.0             3,787.0                314.0

other trade accounts                                   21,900.0           20,288.0           45,671.0           86,758.0           54,743.0

Accruals                                                       4,917.0             8,563.0

Other current assets                                  196,585.0          202,030.0         180,257.0          350,725.0         448,600.0

Current assets                                          370,548.0          377,719.0         390,627.0          641,938.0         624,565.0

 

Total assets                                             755,899.0          784,017.0       1,100,797.0       1,377,352.0       1,066,799.0

 

Capital                                                         4,495.0             4,236.0             2,407.0             2,386.0             2,279.0

Other shareholders funds                          344,824.0          397,898.0         612,945.0          735,333.0         640,644.0

Total shareholders equity                        349,319.0          402,134.0         615,352.0          737,719.0         642,923.0

 

Minority interests                                          3,113.0             6,487.0           12,705.0           24,816.0                   4.0

long term debt (financial debts)                 247,755.0          163,201.0         132,975.0             8,257.0                310.0

Provisions                                                    3,667.0             3,381.0           21,790.0           23,991.0             4,273.0

Other non current liabilities                            7,354.0             7,920.0           75,960.0           95,672.0           46,989.0

Non current liabilities                              258,776.0          174,502.0         230,725.0          127,920.0           51,572.0

 

short term debt (financial debts)                       305.0                298.0                839.0             1,608.0                582.0

Trade accounts payable                              35,771.0           44,043.0           31,404.0           66,990.0           77,565.0

Provisions                                                  16,777.0           46,574.0           73,272.0           93,818.0           17,591.0

Accruals                                                     33,673.0           19,196.0                   0.0          264,526.0

other accounts payable                               58,165.0           90,783.0         136,500.0           59,955.0         276,562.0

other current liabilities                                108,615.0          156,553.0         209,772.0          418,299.0         294,153.0

Current liabilities                                     144,691.0          200,894.0         242,015.0          486,897.0         372,300.0

 

Shareh. equity, min. int. & liabilities        755,899.0          784,017.0       1,100,797.0       1,377,352.0       1,066,799.0

 

Profit and loss account

Net sales                                                  315,846.0          202,655.0         645,242.0       1,315,039.0         826,005.0

Other operating revenue                                9,137.0           16,803.0           39,637.0           42,332.0         146,258.0

Operating revenue                                   324,983.0          219,458.0         684,879.0       1,357,371.0         972,263.0

 

Cost of goods sold                                  191,493.0          116,915.0         399,547.0          749,345.0         563,511.0

Gross profit                                              133,490.0          102,543.0         285,332.0          608,026.0         408,752.0

Other operating expenses                          295,287.0          299,801.0         420,707.0          491,340.0         280,900.0

Operating result                                      -161,797.0         -197,258.0        -135,375.0          116,686.0         127,852.0

 

Interest revenues                                             599.0                335.0                979.0             4,087.0             3,122.0

other financial revenues                               15,127.0                                           6.0

Financial income                                         15,726.0                335.0                985.0             4,087.0             3,122.0

Interest expenses                                        10,340.0             8,909.0           10,204.0             3,869.0             3,843.0

other financial expenses                               2,227.0             5,478.0                                   46,896.0           33,761.0

Financial expenses                                     12,567.0           14,387.0           10,204.0           50,765.0           37,604.0

Financial result                                             3,159.0          -14,052.0            -9,219.0          -46,678.0          -34,482.0

Result before extraordinary items           -158,638.0         -211,310.0        -144,594.0           70,008.0           93,370.0

 

Result before taxes                                 -158,638.0         -211,310.0        -144,594.0           70,008.0           93,370.0

 

Taxes                                                        -23,930.0          -48,493.0          -28,691.0           34,184.0            -4,580.0

Result before minority interests                 -134,708.0         -162,817.0        -115,903.0           35,824.0           97,950.0

minority interests                                         -1,972.0            -3,990.0                   0.0                   0.0                   1.0

Result for the financial year                    -132,736.0         -158,827.0        -115,903.0           35,824.0           97,949.0

 

Cash flow

Depreciation                                               66,208.0           79,554.0         102,204.0          161,681.0           59,684.0

Cash flow                                                  -68,500.0          -83,263.0          -13,699.0          197,505.0         157,634.0

Cash flow from operating activities           -152,810.0         -130,419.0        -168,013.0          218,758.0         347,520.0

Investments in tangible fixed assets            20,251.0           11,896.0           59,399.0           62,671.0           16,495.0

Cash flow from investing activities              -18,867.0            -7,467.0          -67,997.0         -320,096.0           10,147.0

Cash flow from financing activities             167,886.0          176,050.0         111,583.0          -38,020.0          -53,557.0

Others                                                            379.0                512.0            -1,248.0             5,995.0            -7,177.0

Change in liquidity                                       -3,412.0           38,676.0        -125,675.0         -133,363.0         296,933.0

Liquidity at beginning of the year               173,179.0          134,503.0         260,180.0          393,543.0           96,610.0

Liquidity at end of the year                        169,767.0          173,179.0         134,505.0          260,180.0         393,543.0

 

Notes

Material costs                                           195,066.0          110,218.0         158,228.0          721,290.0         563,511.0

Cost of employees                                   180,194.0          165,675.0         214,662.0          194,739.0         133,859.0

Research and Development                          8,765.0             8,694.0

Orders received                                        326,000.0          287,700.0         223,400.0          876,800.0       1,329,828.0

Added value                                               98,104.0           42,828.0         182,476.0          430,297.0         290,756.0

Working Capital                                         138,192.0          131,646.0         178,966.0          224,223.0           98,400.0

Net Current Assets                                    225,857.0          176,825.0         148,612.0          155,041.0         252,265.0

Sales per Employee                                        180.3                113.8                295.2                471.2                647.3

Market capitalisation                                  579,800.0          898,000.0         325,400.0          710,510.0       1,328,794.6

Gross cost land and buildings                     80,266.0           80,285.0           78,300.0           31,732.0                310.0

Gross cost other tangible fixed assets       121,517.0          108,613.0         133,522.0          142,311.0           57,200.0

Gross cost total                                        201,783.0          188,898.0         211,822.0          174,043.0           57,510.0

Insurance value land and buildings             155,800.0          145,733.0         125,592.0          131,979.0                   0.0

Insurance value other tang. fixed assets     304,390.0          309,819.0         299,475.0          362,271.0         257,613.0

Insurance value total                                  460,190.0          455,552.0         425,067.0          494,250.0         257,613.0

 

Employees  at year end                                   1,857                1,800                                                               1,311

Full time units at year end                                1,752                1,781                2,186                2,791                1,276

Employees inland                                              810                   941                  656                   781                  651

Employees abroad                                          1,047                   859                1,530                2,010                  625

 

 

Investments

 

Class:                          100%

Name:                          Diamond Materials Tech, Inc.

City/Country:                Colorado Springs/Colorado, United States of America/US

Interest:                        100,00% voting right, 100,00% capital interest

 

Class:                          100%

Name:                          Meyer Burger Kabushiki Kaisha

City/Country:                Tokio, Japan/JP

Interest:                        100,00% voting right, 100,00% capital interest

 

Class:                          100%

Name:                          Meyer Burger Trading (Shanghai) Co Ltd

City/Country:                Shanghai, China/CN

Interest:                        100,00% voting right, 100,00% capital interest

 

 

Financials

 

Balance sheet publication:      

The subject company does not publish balance sheet or turnover figures.

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

23.09.2015          2015                           0                                      Legal actions

31.12.2014          2014                           0                                      Legal actions

31.12.2013          2013                           0                                      Legal actions

31.12.2012          2012                           0                                      Legal actions

31.12.2011          2011                           0                                      Legal actions

31.12.2010          2010                           0                                      Legal actions

31.12.2009          2009                           0                                      Legal actions

31.12.2008          2008                           0                                      Legal actions

31.12.2007          2007                           0                                      Legal actions

31.12.2006          2006                           0                                      Legal actions

31.12.2005          2005                           0                                      Legal actions

31.12.2004          2004                           0                                      Legal actions

31.12.2003          2003                           0                                      Legal actions

Official bankruptcy reports:

No bankruptcy publications available on the subject.

 

An updated legal action check is only available against proof of interest. e.g. a copy of an enquiry letter, and order or invoice relating to the subject company.

 

 

Sanctions List

 

The company is not listed in the World Compliance database.

 

 

Payment experiences

 

Debt Collection Case:

JUN 2013: CHF 200.00, paid.

 

 

Credit Information

 

Financial Statements:    The company does not disclose any financial statements. Third parties are not permitted any insight into the financial affairs. It is therefore difficult to make a proper assessment of the actual situation.

 

Financial Situation:        The financial situation is in order.

 

Payment experiences:   Financial obligations are paid punctually.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.30

UK Pound

1

Rs.98.70

Euro

1

Rs.72.33

CHF

1

Rs.66.93

 

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

 

 

INFORMATION DETAILS

 

Analysis Done by :

KIN

 

 

Report Prepared by :

TPT

 


               

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.

 
 


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