MIRA INFORM REPORT

 

 

Report No. :

301560

Report Date :

07.01.2015

 

IDENTIFICATION DETAILS

 

Name :

EPPENDORF AG

 

 

Registered Office :

Barkhausenweg 1, D 22339 Hamburg

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

1945

 

 

Legal Form :

Public Limited Company

 

 

Line of Business :

·         Manufacture of irradiation, electro medical and electrotherapeutic equipment

·         Wholesale of medical and orthopedic goods, dental and laboratory supplies

·         Other research and experimental development on natural sciences and engineering

 

 

No. of Employee :

306

 

 

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 – September 30, 2014

 

Country Name

Previous Rating

(30.06.2014)

Current Rating

(30.09.2014)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

GERMANY - ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, has contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production.

 

Source : CIA

 

 

 

 


Company name & address

 

EPPENDORF AG

 

 Company Status:         active

                                    Barkhausenweg 1

                                    D 22339 Hamburg

                                    Telephone:040/53801-0

                                    Telefax:  040/53801-556

                                    Homepage: www.eppendorf.com

                                    E-mail:   eppendorf@eppendorf.com

 

 VAT no.:                      DE118649726

 

 

CONCLUSION

 

 Business relations are permissible.

 

 

 LEGAL FORM           Public limited company

 Date of foundation:  1945

 Registered on:       13.07.2000

 Commercial Register: Local court 20355 Hamburg

 under:               HRB 76249

 

 Share capital:                          EUR         51,132,000.00

 

 Member of the Board of Directors:

                      Detmar Paul Ammermann

                      Sommerpark 16

                      D 22926 Ahrensburg

                      authorized to jointly represent the company

                      born: 20.05.1958

                      Profession: Fully qualified merchant

                      Marital status: unknown

 Member of the Board of Directors:

                      Dr.rer.nat. Heinz-Gerhard Köhn

                      Poppenbütteler Chaussee 49

                      D 22397 Hamburg

                      authorized to jointly represent the company

                      born: 10.05.1949

                      Profession: Fully qualified chemist

 Member of the Board of Directors:

                      Dr.sc.agr. Michael Schroeder

                      D 22844 Norderstedt

                      authorized to jointly represent the company

                      born: 10.05.1950

                      Profession: Businessman

                      Marital status: unknown

 Member of the Board of Directors:

                      Dr. Ralf Hermann

                      Palmstr. 32

                      D 50672 Köln

                      born: 31.05.1961

                      Profession: Fully qualified biologist

 Member of the Board of Directors:

                      Dr. Wilhelm Plüster

                      Lottbeker Platz 14

                      D 22359 Hamburg

                      born: 17.07.1966

                      Profession: Fully qualified chemist

 Member of the Supervisory Board:

                      Klaus Fink

                      Hempenkamp 13a

                      D 22359 Hamburg

                      born: 19.06.1943

                      Profession: Fully qualified economic

                      engineer

 Member of the Supervisory Board:

                      Hans Hinz

                      Bernhard-Ihnen-Str. 15c

                      D 21465 Reinbek

                      born: 02.10.1939

                      Profession: graduate engineer

 Member of the Supervisory Board:

                      Philipp von Loeper

                      Immenberg 22

                      D 23911 Pogeez

                      born: 25.11.1966

                      Profession: Fully qualified merchant

 Member of the Supervisory Board:

                      Thomas Werner Bachmann

                      Wieslerstr. 36

                      CH  Zollikon

                      born: 03.01.1959

                      Profession: Mechanical engineer

                      Nationality: Swiss

 Representative of the Employees within the Supervisory Board:

                      Dirk Höft

                      Schmiedekamp 11

                      D 23779 Neukirchen

                      born: 01.11.1959

                      Profession: plastics moulder

 Representative of the Employees within the Supervisory Board:

                      Marlis Kripke

                      Burgtorstr. 14

                      D 23758 Oldenburg

                      Profession: Industrial scientist

 

 Further functions/participations of Detmar Paul Ammermann (Member

 of the Board of Directors)

 Member of the Supervisory Board:

                      Starlab International GmbH

                      Neuer Höltigbaum 38

                      D 22143 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR          2,000,000.00

                      Registered

                      on:         23.02.2012

                      Reg. data:  20355 Hamburg, HRB 122020

 

 

COMPANY HISTORY

 

 1945 - 12.07.2000        Eppendorf-Netheler-Hinz GmbH

                          Barkhausenweg 1

                          D 22339 Hamburg

                          Private limited company

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 07.06.2013 - 14.07.2014  President of the Board of Directors

                          Dr.rer.nat. Dirk Ehlers

                          D 22339 Hamburg

 01.03.2012 - 12.05.2014  President of the Supervisory Board

                          Klaus Fink

                          D 22359 Hamburg

 16.05.2011 - 12.05.2014  Vice-president of the Supervisory Board

                          Philipp von Loeper

                          D 23911 Pogeez

 02.03.2012 - 14.05.2013  Member of the Supervisory Board

                          Adrian De`teindre

                          D 22339 Hamburg

 30.06.2009 - 01.03.2012  Member of the Supervisory Board

                          Prof. Dr. Rolf Schmid

                          D 22339 Hamburg

 19.12.2006 - 01.03.2012  Member of the Supervisory Board

                          Adrian De`teindre

                          D 22339 Hamburg

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

2660    Manufacture of irradiation, electromedical and electrotherapeutic equipment

46462  Wholesale of medical and orthopedic goods, dental and laboratory supplies

7219    Other research and experimental development on natural sciences and engineering

 

 

BRANCHES AND FACTORIES

 

 Works:

                      Eppendorf AG

                      Sebenter Weg 39

                      D 23758 Oldenburg

 

 

PARTICIPATIONS

 

 Shareholder:

                      Eppendorf Zentrifugen GmbH

                      Riesaer Str. 198

                      OT Engelsdorf

                      D 04319 Leipzig

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          5,000,000.00

                      Share:             EUR          5,000,000.00

                      Reg. data:  12.12.1991

                                  Local court 04275 Leipzig

                                  HRB 4236

 Shareholder:

                      Eppendorf Polymere GmbH

                      Sebenter Weg 39

                      D 23758 Oldenburg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          5,000,000.00

                      Share:             EUR          5,000,000.00

                      Reg. data:  21.12.1998

                                  Local court 23568 Lübeck

                                  HRB 1054 OL

 Shareholder:

                      Eppendorf Instrumente GmbH

                      Barkhausenweg 1

                      D 22339 Hamburg

                      Post Box:

                      63 03 25

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          5,000,000.00

                      Share:             EUR          5,000,000.00

                      Reg. data:  12.11.1998

                                  Local court 20355 Hamburg

                                  HRB 69077

 Shareholder:

                      Eppendorf Liquid Handling GmbH

                      Barkhausenweg 1

                      D 22339 Hamburg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          5,000,000.00

                      Share:             EUR          5,000,000.00

                      Reg. data:  08.12.2004

                                  Local court 20355 Hamburg

                                  HRB 92250

 Shareholder:

                      Starlab International GmbH

                      Neuer Höltigbaum 38

                      D 22143 Hamburg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          2,000,000.00

                      Share:             EUR          2,000,000.00

                      Reg. data:  23.02.2012

                                  Local court 20355 Hamburg

                                  HRB 122020

 Shareholder:

                      DASGIP Information and Process Technology

                      GmbH

                      Rudolf-Schulten-Str. 5

                      D 52428 Jülich

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR          1,015,000.00

                      Share:             EUR          1,015,000.00

                      Reg. data:  16.04.2012

                                  Local court 52349 Düren

                                  HRB 6322

 Shareholder:

                      Eppendorf Vertrieb Deutschland GmbH

                      Peter-Henlein-Str. 2

                      D 50389 Wesseling

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            500,000.00

                      Share:             EUR            500,000.00

                      Reg. data:  26.11.1999

                                  Local court 50939 Köln

                                  HRB 32511

 Shareholder:

                      Eppendorf Biochip Systems GmbH

                      Barkhausenweg 1

                      D 22339 Hamburg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            500,000.00

                      Share:             EUR            500,000.00

                      Reg. data:  07.03.2006

                                  Local court 20355 Hamburg

                                  HRB 96641

 Shareholder:

                      LabServ GmbH Dienstleistungen für das Labor

                      Im Tiefen See 62

                      D 64293 Darmstadt

                      Legal form: Private limited company

                      Company Status: insolvent

                      since:          02.03.2010

                      Share capital:     EUR            127,822.97

                      Share:             EUR            127,822.97

                      Reg. data:  13.07.2001

                                  Local court 64283 Darmstadt

                                  HRB 8236

 Shareholder:

                      Grundstücksverwaltung Leipziger Straße 106 -

                      112 GmbH

                      Barkhausenweg 1

                      D 22339 Hamburg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             26,000.00

                      Share:             EUR             26,000.00

                      Reg. data:  12.11.1998

                                  Local court 20355 Hamburg

                                  HRB 69072

 Shareholder:

                      Eppendorf BioChem GmbH

                      Barkhausenweg 1

                      D 22339 Hamburg

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             26,000.00

                      Share:             EUR             26,000.00

                      Reg. data:  12.09.2001

                                  Local court 20355 Hamburg

                                  HRB 81338

 

Payment experience:  within agreed terms

 

 Negative information:We have no negative information at hand.

 

 

REAL ESTATE

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Barkhausenweg 1

                      D 22339 Hamburg

 

 Land register documents were not available.

 

 

BANKERS

 

 DEUTSCHE BANK, 20079 HAMBURG

 Sort. code: 20070000, Account no.: 0202200

 BIC: DEUTDEHHXXX, IBAN: DE51200700000020220000

 HAMBURGER SPARKASSE, 20454 HAMBURG

 Sort. code: 20050550, Account no.: 1280118447

 BIC: HASPDEHHXXX, IBAN: DE32200505501280118447

 HSBC TRINKAUS & BURKHARDT, 40002 DÜSSELDORF

 Sort. code: 30030880, Account no.: 800547008

 BIC: TUBDDEDDXXX, IBAN: DE56300308800800547008

 

 

FINANCIAL FIGURES

 

 Turnover:                     2013               EUR        270,000,000.00

                                    2014               EUR        270,000,000.00

 further business figures:

 Equipment:                                                      EUR          2,254,022.00

 Ac/ts receivable:                                              EUR         77,414,216.00

 Liabilities:                                            EUR         29,824,799.00

 Real estate of the firm:                         EUR         13,182,965.00

 Employees:                                                                   306

 - thereof permanent staff:                                     11

 

 

BALANCE SHEETS

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 74.49

 Liquidity ratio:                  10.00

 Return on total capital [%]:      15.83

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 71.84

 Liquidity ratio:                  10.00

 Return on total capital [%]:      17.15

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                 65.30

 Liquidity ratio:                  10.00

 Return on total capital [%]:      14.01

 

 Balance sheet ratios 01.01.2009 - 31.12.2009

 Equity ratio [%]:                 67.55

 Liquidity ratio:                   4.38

 Return on total capital [%]:      13.94

 

 EQUITY RATIO

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 LIQUIDITY RATIO

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 RETURN ON TOTAL CAPITAL

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

Type of balance sheet:               Company balance sheet

 

Financial year:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR        410,604,061.21

  Fixed assets                           EUR        207,976,477.08

   Intangible assets                     EUR          3,366,607.96

    Concessions, licences, rights        EUR          3,366,607.96

   Tangible assets                       EUR         17,483,685.62

    Land / similar rights                EUR         13,182,965.03

    Other tangible assets / fixtures and

    fittings                             EUR          2,254,022.00

    Advance payments made / construction

    in progress                          EUR          2,046,698.59

   Financial assets                      EUR        187,126,183.50

    Shares in participations /

    subsidiaries and the like            EUR        143,845,508.32

     Shares in related companies         EUR        143,845,508.32

    Loans to participations /

    subsidiaries and the like            EUR         43,280,675.18

     Loans to related companies          EUR         43,280,675.18

  Current assets                         EUR        192,573,384.66

   Stocks                                EUR         30,379,242.63

    Finished goods / work in progress    EUR         30,379,242.63

   Accounts receivable                   EUR         77,414,215.69

    Trade debtors                        EUR         13,234,500.73

    Amounts due from related companies   EUR         61,525,134.16

    Other debtors and assets             EUR          2,654,580.80

   Liquid means                          EUR         84,779,926.34

  Remaining other assets                 EUR         10,054,199.47

   Accruals (assets)                     EUR            301,189.47

   Deferred taxes (assets)               EUR          9,753,010.00

 

 LIABILITIES                             EUR        410,604,061.21

  Shareholders' equity                   EUR        308,335,882.79

   Capital                               EUR         51,132,000.00

    Subscribed capital (share capital)   EUR         51,132,000.00

   Reserves                              EUR        193,745,545.84

    Capital reserves                     EUR         26,137,700.00

    Retained earnings / revenue reserves EUR        167,607,845.84

   Balance sheet profit/loss (+/-)       EUR         63,458,336.95

    Annual surplus / annual deficit      EUR         63,458,336.95

  Provisions                             EUR         72,436,690.15

   Pension provisions and comparable

   provisions                            EUR         49,498,374.00

   Provisions for taxes                  EUR         10,376,751.46

   Other / unspecified provisions        EUR         12,561,564.69

  Liabilities                            EUR         29,824,799.27

   Other liabilities                     EUR         29,824,799.27

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          3,252,274.38

    Liabilities from received advance

    payments                             EUR            213,341.89

    Liabililties due to related companiesEUR         17,946,845.40

    Unspecified other liabilities        EUR          8,412,337.60

     thereof liabilities from tax /

     financial authorities               EUR            526,627.28

     thereof liabilities from social

     security                            EUR            106,656.18

  Other liabilities                      EUR              6,689.00

   Deferrals (liabilities)               EUR              6,689.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        277,351,654.72

  Other operating income                 EUR         18,111,202.64

  Cost of materials                      EUR        150,841,806.81

   Raw materials and supplies, purchased

   goods                                 EUR        125,887,696.58

   Purchased services                    EUR         24,954,110.23

  Gross result (+/-)                     EUR        144,621,050.55

  Staff expenses                         EUR         29,774,022.18

   Wages and salaries                    EUR         23,793,524.96

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          5,980,497.22

  Total depreciation                     EUR          2,771,053.63

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          2,771,053.63

  Other operating expenses               EUR         40,894,964.54

  Operating result from continuing

  operations                             EUR         71,181,010.20

  Result from participating interests

  (+/-)                                  EUR         18,364,280.01

   Expenses / income from participations EUR         19,071,252.87

    Income from transfer of profits      EUR         12,807,376.68

    Income from related companies        EUR          6,263,876.19

   Expenses for participations           EUR            706,972.86

    Expenses for other participations    EUR            706,972.86

  Interest result (+/-)                  EUR            233,349.21

   Interest and similar income           EUR          3,549,807.55

    thereof from related companies       EUR          3,372,121.28

   Interest and similar expenses         EUR          3,316,458.34

    thereof paid to related companies    EUR            864,234.81

  Financial result (+/-)                 EUR         18,597,629.22

  Result from ordinary operations (+/-)  EUR         89,778,639.42

  Income tax / refund of income tax (+/-)EUR        -26,163,298.69

  Other taxes / refund of taxes          EUR           -157,003.78

  Tax (+/-)                              EUR        -26,320,302.47

  Annual surplus / annual deficit        EUR         63,458,336.95

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR        371,232,754.35

  Fixed assets                           EUR        175,911,877.01

   Intangible assets                     EUR          3,096,346.39

    Concessions, licences, rights        EUR          2,994,508.00

    Advance payments for intang. assets  EUR            101,838.39

   Tangible assets                       EUR         15,393,942.09

    Land / similar rights                EUR         11,344,783.03

    Plant / machinery                    EUR                155.00

    Other tangible assets / fixtures and

    fittings                             EUR          1,814,673.00

    Advance payments made / construction

    in progress                          EUR          2,234,331.06

   Financial assets                      EUR        157,421,588.53

    Shares in participations /

    subsidiaries and the like            EUR        114,140,913.35

     Shares in related companies         EUR        114,140,913.35

    Loans to participations /

    subsidiaries and the like            EUR         43,280,675.18

     Loans to related companies          EUR         43,280,675.18

  Current assets                         EUR        185,980,782.84

   Stocks                                EUR         25,455,564.28

    Finished goods / work in progress    EUR         25,455,564.28

   Accounts receivable                   EUR         67,209,307.79

    Trade debtors                        EUR         17,354,251.57

    Amounts due from related companies   EUR         46,829,426.39

    Other debtors and assets             EUR          3,025,629.83

   Liquid means                          EUR         93,315,910.77

  Remaining other assets                 EUR          9,340,094.50

   Accruals (assets)                     EUR            345,037.50

   Deferred taxes (assets)               EUR          8,995,057.00

 

 LIABILITIES                             EUR        371,232,754.35

  Shareholders' equity                   EUR        260,217,145.84

   Capital                               EUR         51,132,000.00

    Subscribed capital (share capital)   EUR         51,132,000.00

   Reserves                              EUR        146,950,254.27

    Capital reserves                     EUR         26,137,700.00

    Retained earnings / revenue reserves EUR        120,812,554.27

   Balance sheet profit/loss (+/-)       EUR         62,134,891.57

    Annual surplus / annual deficit      EUR         62,134,891.57

  Provisions                             EUR         72,784,479.45

   Pension provisions and comparable

   provisions                            EUR         47,166,915.00

   Provisions for taxes                  EUR          7,933,431.46

   Other / unspecified provisions        EUR         17,684,132.99

  Liabilities                            EUR         38,231,129.06

   Other liabilities                     EUR         38,231,129.06

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          2,892,928.25

    Liabilities from received advance

    payments                             EUR            151,542.18

    Liabililties due to related companiesEUR         32,962,302.78

    Unspecified other liabilities        EUR          2,224,355.85

     thereof liabilities from social

     security                            EUR            100,747.00

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR        269,335,850.33

  Other operating income                 EUR         15,665,451.39

  Cost of materials                      EUR        153,127,781.05

   Raw materials and supplies, purchased

   goods                                 EUR        126,572,226.17

   Purchased services                    EUR         26,555,554.88

  Gross result (+/-)                     EUR        131,873,520.67

  Staff expenses                         EUR         27,335,719.33

   Wages and salaries                    EUR         23,463,221.83

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          3,872,497.50

  Total depreciation                     EUR          2,730,750.38

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          2,730,750.38

  Other operating expenses               EUR         37,724,299.70

  Operating result from continuing

  operations                             EUR         64,082,751.26

  Result from participating interests

  (+/-)                                  EUR         23,473,395.87

   Expenses / income from participations EUR         23,703,269.79

    Income from transfer of profits      EUR         18,181,501.74

    Income from related companies        EUR          5,521,768.05

   Expenses for participations           EUR            229,873.92

    Expenses for other participations    EUR            229,873.92

  Interest result (+/-)                  EUR            174,076.74

   Interest and similar income           EUR          3,350,757.38

   Interest and similar expenses         EUR          3,176,680.64

  Financial result (+/-)                 EUR         23,647,472.61

  Result from ordinary operations (+/-)  EUR         87,730,223.87

  Income tax / refund of income tax (+/-)EUR        -25,492,556.20

  Other taxes / refund of taxes          EUR           -102,776.10

  Tax (+/-)                              EUR        -25,595,332.30

  Annual surplus / annual deficit        EUR         62,134,891.57


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.39

UK Pound

1

Rs.96.72

Euro

1

Rs.75.80

 

 

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

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.