MIRA INFORM REPORT

 

 

Report No. :

307621

Report Date :

17.02.2015

 

IDENTIFICATION DETAILS

 

Name :

PETRONAS CHEMICALS MARKETING SDN. BHD.

 

 

Formerly Known As :

MALAYSIAN INTERNATIONAL TRADING CORPORATION SDN. BHD. (30/05/2011)

 

 

Registered Office :

Tower 1, Petronas Twin Towers, Kuala Lumpur City Centre,Kuala Lumpur, 50088 Kuala Lumpur, Wilayah Persekutuan

 

 

Country :

Malaysia

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

28.01.1982

 

 

Com. Reg. No.:

80474-V

 

 

Legal Form :

Private Limited (Limited by Share)

 

 

Line of Business :

Trading of petrochemical, plastic raw materials and other

 

 

No. of Employee :

400 [2015]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

 

 

Payment Behaviour :

No complaints

 

 

Litigation :

Clear

 

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

 

ECGC Country Risk Classification List – December 31, 2014

 

Country Name

Previous Rating

(30.09.2014)

Current Rating

(31.12.2014)

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. The NAJIB administration also 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. As an oil and gas exporter, Malaysia has 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. The government is also trying to lessen its dependence on state oil producer Petronas. The oil and gas sector supplies about 32% of government revenue in 2013. Bank Negara Malaysia (central bank) maintains healthy foreign exchange reserves, and a well-developed regulatory regime has limited Malaysia's exposure to riskier financial instruments and the global financial crisis. Nevertheless, Malaysia could be vulnerable to a fall in commodity prices or a general slowdown in global economic activity because exports are a major component of GDP. In order to attract increased investment, NAJIB earlier 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.

 

Source : CIA

 


 

 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

80474-V

COMPANY NAME

:

PETRONAS CHEMICALS MARKETING SDN. BHD.

FORMER NAME

:

MALAYSIAN INTERNATIONAL TRADING CORPORATION SDN. BHD. (30/05/2011)

INCORPORATION DATE

:

28/01/1982

 

 

 

 

 

 

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED (LIMITED BY SHARE)

LISTED STATUS

:

NO

 

 

 

 

 

 

REGISTERED ADDRESS

:

TOWER 1, PETRONAS TWIN TOWERS, KUALA LUMPUR CITY CENTRE,KUALA LUMPUR, 50088 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

BUSINESS ADDRESS

:

TOWER 1, PETRONAS TWIN TOWERS, KUALA LUMPUR CITY CENTRE, LEVEL 15, 50088 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

TEL.NO.

:

03-20515000

FAX.NO.

:

03-20511501

EMAIL

:

PETRONASCHEMICALS@PETRONAS.COM.MY

WEB SITE

:

WWW.PETRONASCHEMICALS.COM

CONTACT PERSON

:

YUSA' BIN HASSAN ( DIRECTOR )

 

 

 

INDUSTRY CODE

:

46691

PRINCIPAL ACTIVITY

:

TRADING OF PETROCHEMICAL, PLASTIC RAW MATERIALS AND OTHERS

AUTHORISED CAPITAL

:

MYR 200,000,000.00 DIVIDED INTO
ORDINARY SHARE 100,000,000.00 OF MYR 1.00 EACH.
PREFERENCE SHARE 1,000,000.00 OF MYR 100.00 EACH.

ISSUED AND PAID UP CAPITAL

:

MYR 12,500,005.00 DIVIDED INTO
ORDINARY SHARES 12,500,005 CASH OF MYR 1.00 EACH.

 

 

 

SALES

:

MYR 11,677,581,000 [2013]

NET WORTH

:

MYR 181,458,000 [2013]

M1000 OVERALL RANKING

:

42[2011]

M1000 INDUSTRY RANKING

:

8[2011]

 

 

 

STAFF STRENGTH

:

400 [2015]

BANKER (S)

:

MALAYAN BANKING BHD

LITIGATION

:

CLEAR

DEFAULTER CHECK

:

CLEAR

FINANCIAL CONDITION

:

STABLE

PAYMENT

:

GOOD

MANAGEMENT CAPABILITY

:

GOOD

 

 

 

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

GOOD

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) trading of petrochemical, plastic raw materials and others.

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


 

According to the Malaysia 1000 publication, the Subject's ranking are as follows:

 

 

 

 

 

 

YEAR

2011

2009

2008

2005

 

OVERALL RANKING

42

29

24

35

 

INDUSTRY RANKING

8

8

9

8

 


The immediate holding company of the Subject is PETRONAS CHEMICALS GROUP BERHAD, a company incorporated in MALAYSIA.

 


Share Capital History

Date

Authorised Shared Capital

Issue & Paid Up Capital

08/04/2014

MYR 200,000,000.00

MYR 12,500,005.00

13/04/2004

MYR 200,000,000.00

MYR 16,740,005.00

27/04/1994

MYR 10,000,000.00

MYR 2,500,000.00

01/02/1985

MYR 2,500,001.00

MYR 2,500,001.00

 


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


Name

Address

IC/PP/Loc No

Shareholding

(%)

PETRONAS CHEMICALS GROUP BERHAD

TOWER 1,PETRONAS TWIN TOWERS, KUALA LUMPUR CITY CENTRE, 50088 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

459830K

12,500,005.00

100.00

 

 

 

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

------

 

 

 

12,500,005.00

100.00

 

 

 

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

=====

+ Also Director



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

MR. SAZALI BIN HAMZAH

Address

:

80, 9/4 JALAN SERI PUTRA, BANDAR SERI PUTRA, BANGI, 43000 KAJANG, SELANGOR, MALAYSIA.

IC / PP No

:

A0396634

New IC No

:

660501-01-5491

Date of Birth

:

01/05/1966

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

26/05/2014

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 2

 

Name Of Subject

:

MS. FARINA BINTI FARIKHULLAH KHAN

Address

:

NO. 27, JALAN ELITIS ARCA BELANTARA, VALENCIA NORTH GOLF PRECINT, 47000 SUNGAI BULOH, SELANGOR, MALAYSIA.

 

 

 

New IC No

:

720308-11-5230

Date of Birth

:

08/03/1972

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

29/01/2014

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 3

 

Name Of Subject

:

MR. AKBAR BIN MD THAYOOB

Address

:

NO.23, JALAN USJ 6/2J, 47610 SUBANG JAYA, SELANGOR, MALAYSIA.

IC / PP No

:

7121205

New IC No

:

630629-07-5613

Date of Birth

:

29/06/1963

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

29/01/2014

 

 

 

 

 

 

 

 

 

 

 

 

 

DIRECTOR 4

 

Name Of Subject

:

MR. ABDUL AZIZ BIN OTHMAN

Address

:

NO. 4, JALAN JERAM SATU 8/22A, SEKSYEN 8, 40000 SHAH ALAM, SELANGOR, MALAYSIA.

IC / PP No

:

A0189753

New IC No

:

650806-02-5253

Date of Birth

:

06/08/1965

 

 

 

Nationality

:

MALAYSIAN

Date of Appointment

:

29/01/2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MANAGEMENT

 

 

 

1)

Name of Subject

:

YUSA' BIN HASSAN

 

Position

:

DIRECTOR

 

 

 

 

 

 

 

AUDITOR

 

Auditor

:

KPMG DESA MEGAT & CO.

Auditor' Address

:

KPMG TOWER, 8 FIRST AVENUE,, BANDAR UTAMA, 47800 PETALING JAYA, SELANGOR, MALAYSIA.

 

 

 

 

 

 

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

MS. MEK YAM @ MARIAM BINTI HASSAN

 

IC / PP No

:

A2742752

 

New IC No

:

740210-03-5388

 

Address

:

NO 11 JALAN SUAKASIH 3/6, BANDAR TUN HUSSEIN ON, 43200 KAJANG, SELANGOR, MALAYSIA.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

BANKING


Banking relations are maintained principally with :

1)

Name

:

MALAYAN BANKING BHD

 

 

 

 

 

 

 

 

 

 

 

 

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

:

YES

Percentage

:

40%

Overseas

:

YES

Percentage

:

60%

Import Countries

:

JAPAN,EUROPE,CHINA,PHILIPPINES


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

[

X

]

 

Average 61-90 Days

[

 

]

 

Fair 91-120 Days

[

 

]

 

Poor >120 Days

[

 

]

 

 

 

 

 

 

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

MALAYSIA

Overseas

:

YES

 

 

 

Export Market

:

ASIA

MIDDLE EAST

Credit Term

:

30 DAYS

 

 

 

 

 

 

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATIONS

 

Goods Traded

:

PETROCHEMICALS, PLASTIC RAW MATERIALS AND OTHERS

 

 

 

Member(s) / Affiliate(s)

:

MALAYSIAN PLASTICS MANUFACTURERS ASSOCIATION (MPMA)

 

 

 

Ownership of premises

:

LEASED/RENTED

 

Total Number of Employees:

 

YEAR

2015

2014

2013

2012

2011

2010

 

 

 

 

GROUP

N/A

N/A

N/A

N/A

N/A

N/A

 

 

 

COMPANY

400

400

400

400

350

350

 

 

 

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) trading of petrochemical, plastic raw materials and others.

The Subject offers a wide range of products including:

1) Polymers

2) Polypropylene - PP is used to produce automotive parts, appliances, film,fiber and filaments.

3) High Density Polyethylene - HDPE is used for blown film moulding, injection moulding, film, pipe conduit, sheet, wire and cable. It is produced in pallet form.

4) Linear Low Density Polyethylene - LLDPE is used for variety of derivatives through film, extrusion coating, injection molding, rotational molding, using octane and butanes co-polymers. It is produced in pallet form.

5) Polyvinyl Chloride - PVC is used in the production of pipe, flooring, wire & cable, building construction, home furnishing, film & sheet and automotive parts.It is produced in powder form.

6) Low Density Polyethylene - LDPE is used for injection moulding, film, pipe conduit, wire and cable.

7) Chemicals - Basic & Intermediate Chemicals : Aromatics, Olefins, Oxygenates, fertilisers and agrochemicals

8) Agricultural Products: Rice, Rubber, Palm Oil, Crude Coconut Oil and etc.

The Subject is a leading marketer of chemicals, fertilisers and polymer products in the South East Asia region, PCM has global presence in over 30 countries.

The Subject is a subsidiary of PETRONAS'.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

03-20515000

Match

:

N/A

 

 

 

Address Provided by Client

:

TOWER 1, PETRONAS TWIN TOWERS, KUALA LUMPUR CITY CENTRE, LEVEL 15,50088,KUALA LUMPUR,WILAYAH PERSEKUTUAN.

Current Address

:

TOWER 1, PETRONAS TWIN TOWERS, KUALA LUMPUR CITY CENTRE, LEVEL 15, 50088 KUALA LUMPUR, WILAYAH PERSEKUTUAN, MALAYSIA.

Match

:

YES

 

 

 

Latest Financial Accounts

:

YES

 

Other Investigations


On 11th February 2015 we contacted one of the staff from the Subject and she provided some information.

 

FINANCIAL ANALYSIS

 

 

Profitability

 

 

 

 

 

 

Turnover

:

Erratic

[

2010 - 2013

]

 

Profit/(Loss) Before Tax

:

Increased

[

2010 - 2013

]

 

Return on Shareholder Funds

:

Favourable

[

73.95%

]

 

Return on Net Assets

:

Favourable

[

94.12%

]

 

 

 

 

 

 

 

 

The fluctuating turnover reflects the fierce competition among the existing and new market players.The Subject's management have been efficient in controlling its operating costs. 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

:

Nil

[

0 Days

]

 

Debtor Ratio

:

Favourable

[

27 Days

]

 

Creditors Ratio

:

Favourable

[

1 Days

]

 

 

 

 

 

 

 

 

As the Subject is a service oriented company, the Subject does not need to keep stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

 

 

 

 

 

 

 

Liquidity

 

 

 

 

 

 

Liquid Ratio

:

Favourable

[

1.13 Times

]

 

Current Ratio

:

Unfavourable

[

1.13 Times

]

 

 

 

 

 

 

 

 

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

 

 

 

 

 

 

 

Solvency

 

 

 

 

 

 

Interest Cover

:

Nil

[

0.00 Times

]

 

Gearing Ratio

:

Favourable

[

0.00 Times

]

 

 

 

 

 

 

 

 

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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overall Assessment :

 

 

 

 

 

 

Although the turnover was erratic, the Subject had maintained a steady growth in its profit. This indicate the management's efficiency in controlling its costs and profitability. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject did not make any interest payment during the year. The Subject was dependent on its shareholders' funds to finance its business needs. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

 

 

 

 

 

 

 

Overall financial condition of the Subject : STABLE

 

 

 

MALAYSIA ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators:

2011

2012

2013

2014*

2015**

 

 

 

 

 

 

Population ( Million)

28.7

29.3

29.8

30.3

30.5

Gross Domestic Products ( % )

5.1

5.6

5.3

6.0

6.0

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

52,314

-

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

3.3

4.0

Unemployment Rate

3.3

3.2

3.0

3.0

3.0

 

 

 

 

 

 

Net International Reserves ( MYR Billion )

415

427

-

417

-

Average Risk-Weighted Capital Adequacy Ratio ( % )

3.50

2.20

-

-

-

Average 3 Months of Non-performing Loans ( % )

14.80

14.70

-

-

-

Average Base Lending Rate ( % )

6.60

6.53

6.53

-

-

Business Loans Disbursed( % )

15.3

32.2

-

-

-

Foreign Investment ( MYR Million )

23,546.1

26,230.4

38,238.0

-

-

Consumer Loans ( % )

-

-

-

-

-

 

 

 

 

 

 

Registration of New Companies ( No. )

45,455

45,441

46,321

-

-

Registration of New Companies ( % )

3.0

(0.0)

1.9

-

-

Liquidation of Companies ( No. )

132,485

17,092

26,430

-

-

Liquidation of Companies ( % )

417.8

(87.1)

54.6

-

-

 

 

 

 

 

 

Registration of New Business ( No. )

284,598

324,761

329,895

-

-

Registration of New Business ( % )

5.0

14.0

2.0

-

-

Business Dissolved ( No. )

20,121

20,380

18,161

-

-

Business Dissolved ( % )

1.9

1.3

(10.9)

-

-

 

 

 

 

 

 

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

43.8

-

Tourist Arrival ( Million Persons )

24.7

25.0

25.7

28.0

-

Hotel Occupancy Rate ( % )

60.6

62.4

62.6

-

-

 

 

 

 

 

 

Credit Cards Spending ( % )

15.6

12.6

-

-

-

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)

1.4

0.9

(0.8)

2.8

Oil & Gas

(1.7)

-

-

-

-

Other Mining

-

-

-

-

-

Industry Non-performing Loans ( MYR Million )

46.5

-

-

-

-

% of Industry Non-performing Loans

0.1

-

-

-

-

 

 

 

 

 

 

Manufacturing #

4.7

4.8

3.4

6.6

5.5

Exported-oriented Industries

4.1

6.5

3.3

5.6

-

Electrical & Electronics

(4.0)

12.7

6.9

13.3

-

Rubber Products

20.7

3.0

11.7

(0.3)

-

Wood Products

(5.1)

8.7

(2.7)

5.1

-

Textiles & Apparel

13.2

(7.1)

(2.6)

11.5

-

Domestic-oriented Industries

10.7

1.7

6.8

9.4

-

Food, Beverages & Tobacco

4.80

2.70

3.60

6.13

6.13

Chemical & Chemical Products

10.0

10.8

5.6

-

-

Plastic Products

3.8

-

-

-

-

Iron & Steel

2.2

(6.6)

5.0

0.1

-

Fabricated Metal Products

21.8

13.8

9.9

2.9

-

Non-metallic Mineral

12.1

2.9

(2.0)

5.4

-

Transport Equipment

12.0

3.4

13.8

22.9

-

Paper & Paper Products

9.5

3.1

1.8

4.7

-

Crude Oil Refineries

9.3

-

-

-

-

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

46691 : Wholesale of industrial chemicals

 

 

INDUSTRY :

TRADING

 

 

 

The wholesale and retail trade is expected to increase 7.1% in 2015 (2014: 7.7%) driven by strong domestic consumption and higher tourist arrivals following the Malaysia Year of Festivals 2015. Besides, in 2014, the wholesale and retail trade subsector is expected to increase 7.7% (2013: 6.4%) supported by strong domestic consumption.

 

According to Retail Group Malaysia (RGM), the pharmacy and personal care sub-sector had slow growth rate of 2.6% for the first quarter of 2014, while "other specialty stores" grew at a rate of 3.5%. During the first quarter of 2014, fashion and fashion accessories recorded a sustainable growth of 6.3% as compared with the same period last year (3.6%).

 

The retail segment increased 10.1% (January - June 2013: 7.1%) attributed to brisk sales in retail outlets such as hypermarkets and large-scale superstores. Since the launch of the Small Retailer Transformation programme (TUKAR) in January 2011 up to end-July 2014, 1,761 small retailer stores (end-July 2013: 1,381) have been modernized to improve their competitiveness. In addition, the strong growth of the retail segment was supported by 1Malaysia Unified Sales held from 29 June 2014 to 1 September 2014 to attract foreign and local tourists to shop in Malaysia. Meanwhile, the wholesale segment expanded 8.2% (January - June 2013: 4.9%) due to higher sales of non-agricultural intermediate products, such as petrol, diesel, lubricants and household goods. Furthermore, food and beverage outlets, laundry outlets, car wash centres, abd health and beauty outlets took a hit from the water rationing in the Klang Valley since February this year.

 

On the other hand, in 2014, Malaysia's total trade is expected to grow 5.2% to RM1.44 trillion (2013: 4.5%; RM1.37 trillion) underpinned by recovery in key advanced economies, resilient regional demand, and partly due to the base effect arising from sluggish exports in the corresponding period last year. Gross exports are anticipated to expand 6% to RM762.8 billion while import decreased 4.3% to RM677.2 billion (2013: 2.4%; RM719.8 billion; 7%; RM 649.1 billion). Consequently, the trade surplus is expected to be higher at RM85.6 billion or 7.9% of GDP in 2014 (2013: RM70.7 billion; 7.2%).

 

Furthermore, gross exports rebounded by 10.7% to RM441.3 billion during the first seven months of 2014 (January - July 2013: -2.8%; RM398.5 billion), with manufactured and mining exports rising at a double digit pace of 11.4% and 12.5%. Shipment of agriculture products grew at a slower pace of 2.7%, primarily due to lower receipts of crude rubber (-24.6%) while export growth of other commodities remained steady. Consequently, exports of manufactured and mining products are expected to grow 6.1% and 6.4% in 2014 (2013: 5.1%; 3.3%). Meanwhile, agriculture exports are expected to rebound sharply by 4.5% in 2014 (2013: -14.4%) despite moderating commodity prices. Malaysia's top 3 trading partners are China, Singapore, and Japan.

 

Over 60% of Gross Domestic Product (GDP) is contributed by domestic consumption. Therefore the wholesale and retail sector plays a crucial role in driving Malaysia's growth over the next decade despite the ongoing global economic slowdown. By 2020, Malaysia's wholesale and retail sector is expected to boost the country's total Gross National Income (GNI) by RM156 billion, creating 454,190 new jobs.

 

 

OVERALL INDUSTRY OUTLOOK : Average Growth



CREDIT RISK EVALUATION & RECOMMENDATION

 

 


Incorporated in 1982, the Subject is a Private Limited company, focusing on trading of petrochemical, plastic raw materials and others. The Subject has been in business for over two decades. It has built up a strong clientele base and good reputation will enable the Subject to further enhance its business in the near term.  The Subject is expected to enjoy a stable market shares. The Subject is a large entity with strong capital position of MYR 12,500,005. We are confident with the Subject's business and its future growth prospect. Having a strong shareholders' backing , the Subject has the advantage to compete with its rivals and it is expected to enjoy timely financial assistance should the needs arise.

Over the years, the Subject has penetrated into both the local and overseas market. The Subject has positioned itself in the global market and is competing in the industry. Its stable clientele base will enable the Subject to further enhance its business in the near term. The Subject is a fairly large and rapidly growing company with over 400 staff in its operations The Subject has a good  management capability. Its capable management team has enabled the Subject to keep its business on going. Hence, the future prospect of the Subject is bright.

Despite the lower turnover, the Subject's pre-tax profit have increased compared to the previous year. The higher profit could be due to better control of its operating costs and efficiency in utilising its resources. Based on the higher profitability, the Subject has generated a favourable return based on its existing shareholders' funds which indicated that the management was efficient in utilising its funds to generate income. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at MYR 181,458,000, the Subject should be able to maintain its business in the near terms.

Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises. The Subject's supplier are from both the local and overseas countries. This will eliminates the risk of dependency on deliveries from a number of key suppliers and insufficient quantities of its raw materials. Overall the Subject has a good control over its resources.

Overall, the Subject's payment habit is good as the Subject has a good credit control and it could be taking advantage of the cash discounts while maintaining a good reputation with its creditors.

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

In view of the above favourable condition, we recommend credit be proceeded to the Subject with favourable term.

 



PROFIT AND LOSS ACCOUNT

 

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

 

Financial Year End

2013-12-31

2012-12-31

2011-12-31

2011-03-31

2010-03-31

Months

12

12

9

12

12

Consolidated Account

Company

Company

Company

Company

Company

Audited Account

YES

YES

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

YES

YES

Financial Type

FULL

FULL

FULL

FULL

FULL

Currency

MYR

MYR

MYR

MYR

MYR

 

 

 

 

 

 

TURNOVER

11,677,581,000

12,135,677,000

8,388,906,000

9,452,210,000

7,546,310,000

Other Income

50,852,000

12,296,000

34,590,000

27,842,000

17,339,000

 

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

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

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

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

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

Total Turnover

11,728,433,000

12,147,973,000

8,423,496,000

9,480,052,000

7,563,649,000

Costs of Goods Sold

(11,439,198,000)

(11,910,530,000)

(8,254,865,000)

(9,307,498,000)

(7,439,459,000)

 

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

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

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

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

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

Gross Profit

289,235,000

237,443,000

168,631,000

172,554,000

124,190,000

 

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

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

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

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

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

 

 

 

 

 

 

PROFIT/(LOSS) FROM OPERATIONS

170,796,000

150,276,000

106,658,000

90,174,000

52,179,000

 

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

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

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

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

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

PROFIT/(LOSS) BEFORE TAXATION

170,796,000

150,276,000

106,658,000

90,174,000

52,179,000

Taxation

(36,614,000)

(38,717,000)

(25,650,000)

(23,649,000)

10,235,000

 

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

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

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

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

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

PROFIT/(LOSS) AFTER TAXATION

134,182,000

111,559,000

81,008,000

66,525,000

62,414,000

 

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

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

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

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

 

 

 

 

 

As previously reported

210,246,000

98,687,000

17,679,000

254,154,000

192,980,000

Prior year adjustment

-

-

-

-

(600,000)

 

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

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

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

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

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

As restated

210,246,000

98,687,000

17,679,000

254,154,000

192,380,000

 

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

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

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

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

344,428,000

210,246,000

98,687,000

320,679,000

254,794,000

TRANSFER TO RESERVES - General

-

-

-

(3,000,000)

(640,000)

DIVIDENDS - Ordinary (paid & proposed)

(180,000,000)

-

-

(300,000,000)

-

 

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

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

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

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

164,428,000

210,246,000

98,687,000

17,679,000

254,154,000

 

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

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

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

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

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

 

 

 

 

 

 

 

 

BALANCE SHEET

 

 

 

ASSETS EMPLOYED:

 

 

 

 

 

FIXED ASSETS

299,000

115,000

148,000

237,000

386,000

 

 

 

 

 

 

LONG TERM INVESTMENTS/OTHER ASSETS

 

 

 

 

 

Subsidiary companies

14,758,000

14,758,000

14,758,000

-

210,000,000

Deferred assets

581,000

-

5,000

77,000

1,758,000

 

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

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

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

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

15,339,000

14,758,000

14,763,000

77,000

211,758,000

 

 

 

 

 

 

 

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

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

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

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

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

TOTAL LONG TERM ASSETS

15,638,000

14,873,000

14,911,000

314,000

212,144,000

 

 

 

 

 

 

Stocks

-

22,937,000

-

20,239,000

7,655,000

Trade debtors

865,865,000

1,078,843,000

1,078,827,000

1,299,044,000

662,714,000

Other debtors, deposits & prepayments

375,000

991,000

1,925,000

3,726,000

13,477,000

Short term deposits

1,630,000

685,599,000

360,156,000

-

-

Deposits with financial institutions

-

-

-

344,496,000

256,208,000

Amount due from holding company

-

-

9,360,000

-

-

Amount due from subsidiary companies

-

-

-

-

252,000

Amount due from related companies

73,000,000

164,480,000

89,000

-

342,288,000

Amount due from associated companies

28,301,000

1,496,000

-

-

-

Cash & bank balances

511,394,000

7,904,000

4,055,000

2,390,000

3,336,000

Others

2,561,000

60,000

-

-

15,586,000

 

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

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

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

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

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

TOTAL CURRENT ASSETS

1,483,126,000

1,962,310,000

1,454,412,000

1,669,895,000

1,301,516,000

 

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

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

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

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

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

TOTAL ASSET

1,498,764,000

1,977,183,000

1,469,323,000

1,670,209,000

1,513,660,000

 

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

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

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

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

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

 

 

 

 

 

 

CURRENT LIABILITIES

 

 

 

 

 

Trade creditors

37,041,000

145,809,000

159,613,000

187,210,000

427,726,000

Other creditors & accruals

2,691,000

4,359,000

5,584,000

1,516,000

3,170,000

Amounts owing to holding company

37,034,000

7,876,000

1,152,000

94,496,000

3,726,000

Amounts owing to related companies

1,223,027,000

1,571,444,000

1,171,009,000

1,343,502,000

660,854,000

Provision for taxation

7,835,000

19,229,000

16,248,000

8,280,000

-

Other liabilities

9,678,000

1,127,000

-

496,000

-

 

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

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

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

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

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

TOTAL CURRENT LIABILITIES

1,317,306,000

1,749,844,000

1,353,606,000

1,635,500,000

1,095,476,000

 

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

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

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

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

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

NET CURRENT ASSETS/(LIABILITIES)

165,820,000

212,466,000

100,806,000

34,395,000

206,040,000

 

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

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

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

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

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

TOTAL NET ASSETS

181,458,000

227,339,000

115,717,000

34,709,000

418,184,000

 

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

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

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

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

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

 

 

 

 

 

 

SHARE CAPITAL

 

 

 

 

 

Ordinary share capital

12,500,000

12,500,000

12,500,000

12,500,000

12,500,000

Preference share capital

-

-

-

-

3,000,000

 

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

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

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

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

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

TOTAL SHARE CAPITAL

12,500,000

12,500,000

12,500,000

12,500,000

15,500,000

 

 

 

 

 

 

RESERVES

 

 

 

 

 

Share premium

290,000

290,000

290,000

290,000

147,290,000

Capital reserve

4,240,000

4,240,000

4,240,000

4,240,000

1,240,000

Retained profit/(loss) carried forward

164,428,000

210,246,000

98,687,000

17,679,000

254,154,000

 

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

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

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

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

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

TOTAL RESERVES

168,958,000

214,776,000

103,217,000

22,209,000

402,684,000

 

 

 

 

 

 

 

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

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

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

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

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

SHAREHOLDERS' FUNDS/EQUITY

181,458,000

227,276,000

115,717,000

34,709,000

418,184,000

 

 

 

 

 

 

Deferred taxation

-

63,000

-

-

-

 

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

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

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

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

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

TOTAL LONG TERM LIABILITIES

-

63,000

-

-

-

 

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

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

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

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

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

 

181,458,000

227,339,000

115,717,000

34,709,000

418,184,000

 

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

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

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

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

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

 

 

 

 

 

 

 

 

 

FINANCIAL RATIO

 

 

 

TYPES OF FUNDS

 

 

 

 

 

Cash

513,024,000

693,503,000

364,211,000

2,390,000

3,336,000

Net Liquid Funds

513,024,000

693,503,000

364,211,000

2,390,000

3,336,000

Net Liquid Assets

165,820,000

189,529,000

100,806,000

14,156,000

198,385,000

Net Current Assets/(Liabilities)

165,820,000

212,466,000

100,806,000

34,395,000

206,040,000

Net Tangible Assets

181,458,000

227,339,000

115,717,000

34,709,000

418,184,000

Net Monetary Assets

165,820,000

189,466,000

100,806,000

14,156,000

198,385,000

BALANCE SHEET ITEMS

 

 

 

 

 

Total Borrowings

0

0

0

0

0

Total Liabilities

1,317,306,000

1,749,907,000

1,353,606,000

1,635,500,000

1,095,476,000

Total Assets

1,498,764,000

1,977,183,000

1,469,323,000

1,670,209,000

1,513,660,000

Net Assets

181,458,000

227,339,000

115,717,000

34,709,000

418,184,000

Net Assets Backing

181,458,000

227,276,000

115,717,000

34,709,000

418,184,000

Shareholders' Funds

181,458,000

227,276,000

115,717,000

34,709,000

418,184,000

Total Share Capital

12,500,000

12,500,000

12,500,000

12,500,000

15,500,000

Total Reserves

168,958,000

214,776,000

103,217,000

22,209,000

402,684,000

LIQUIDITY (Times)

 

 

 

 

 

Cash Ratio

0.39

0.40

0.27

0.00

0.00

Liquid Ratio

1.13

1.11

1.07

1.01

1.18

Current Ratio

1.13

1.12

1.07

1.02

1.19

WORKING CAPITAL CONTROL (Days)

 

 

 

 

 

Stock Ratio

0

1

0

1

0

Debtors Ratio

27

32

47

50

32

Creditors Ratio

1

4

7

7

21

SOLVENCY RATIOS (Times)

 

 

 

 

 

Gearing Ratio

0.00

0.00

0.00

0.00

0.00

Liabilities Ratio

7.26

7.70

11.70

47.12

2.62

Times Interest Earned Ratio

0.00

0.00

0.00

0.00

0.00

Assets Backing Ratio

14.52

18.19

9.26

2.78

26.98

PERFORMANCE RATIO (%)

 

 

 

 

 

Operating Profit Margin

1.46

1.24

1.27

0.95

0.69

Net Profit Margin

1.15

0.92

0.97

0.70

0.83

Return On Net Assets

94.12

66.10

92.17

259.80

12.48

Return On Capital Employed

94.12

66.10

92.17

259.80

12.48

Return On Shareholders' Funds/Equity

73.95

49.09

70.01

191.66

14.93

Dividend Pay Out Ratio (Times)

1.34

0.00

0.00

4.51

0.00

NOTES TO ACCOUNTS

 

 

 

 

 

Contingent Liabilities

0

0

0

0

0

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.20

UK Pound

1

Rs.96.00

Euro

1

Rs.71.00

 

 

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

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.