MIRA INFORM REPORT

 

 

Report No. :

304789

Report Date :

29.01.2015

 

IDENTIFICATION DETAILS

 

Name :

SASOL GERMANY GMBH

 

 

Registered Office :

Anckelmannsplatz 1, D 20537 Hamburg, Post Box 26 18 05, D 20508 Hamburg

 

 

Country :

Germany

 

 

Financials (as on) :

30.06.2014

 

 

Date of Incorporation :

05.12.2000

 

 

Com. Reg. No.:

HRB 78475

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

·         Engaged in manufacturing detergents and cleaning agents, paints and coatings, cosmetics and pharmaceutical products as well as catalysts, high-performance abrasives and plastic additives

Engaged in producing organic and inorganic chemical products

 

 

No of Employees :

1,400

 

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 orrect

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

 

Sasol Germany GmbH

 

 

Company address

 

Anckelmannsplatz 1

D 20537 Hamburg

Post Box:

26 18 05, D 20508 Hamburg

Telephone:        040/63684-1000

Telefax:             040/63684-3700

Homepage:        www.sasolgermany.de

E-mail:              info@sasol.com

 

 

Company Status

 

active

 

 

VAT no

 

DE813120753

 

 

Tax ID number

 

27/564/00005

 

 

CONCLUSION

 

Business relations are permissible.

 

 

Synthesis

 

LEGAL FORM               Private limited company

Date of foundation:         05.12.2000

Shareholders'

agreement:                    05.12.2000

Registered on:               11.01.2001

Commercial Register:     Local court 20355 Hamburg

under:                                       HRB 78475

Share capital:                EUR         70,000,000.00

 

 

Shareholder

 

Sasol Performance Chemicals GmbH

Anckelmannsplatz 1

D 20537 Hamburg

Legal form: Private limited company

Share capital:     EUR          5,000,000.00

Share:             EUR         70,000,000.00

Registered on: 11.01.2001

Reg. data: 20355 Hamburg, HRB 78474

Control and profit transfer agreement

 

Manager

 

Dr. Kay Luttmann

Seeschwalbenweg 9

D 25541 Brunsbüttel

authorized to jointly represent the company

born: 01.10.1958

Marital status: unknown

 

 Manager:

                      Arno Klegin

                      D 20095 Hamburg

                      authorized to jointly represent the company

                      born: 20.02.1966

                      Profession: Businessman

                      Marital status: unknown

 

President of the Supervisory Board

 

Dr. Jens Straatmann

Hindenburgstr. 87

D 22297 Hamburg

born: 30.03.1965


Vice-president of the Supervisory Board

 

Reiner Hoffmann

D 40476 Düsseldorf

 

Member of the Supervisory Board

 

Klaus Diblitz

D 22869 Schenefeld

born: 05.09.1961

Marital status: unknown

 

Member of the Supervisory Board:

Dr. Thomas Lüdemann

Hallstr. 14

D 25462 Rellingen

born: 01.08.1958

 

Member of the Supervisory Board:

Walter Heidtmann

Zum Mühlenbach 8

D 45964 Gladbeck

born: 05.04.1953

 

 

Representative of the Employees within the Supervisory Board

 

Heiko Jeck

Spaldingstr. 49

D 20097 Hamburg

Profession: Solicitor

 

Representative of the Employees within the Supervisory Board:

Edgar Ludewig

D 25541 Brunsbüttel

 

Representative of the Employees within the Supervisory Board:

Patricio Guillermo Graham Viljoen

D 61381 Friedrichsdorf

born: 19.03.1960

 

Representative of the Employees within the Supervisory Board:

Ralf Erkens

D 20095 Hamburg

Profession: Trade unionist

Marital status: unknown

 

Representative of the Employees within the Supervisory Board:

Birgit Kuhlhoff

D 45768 Marl

 

Representative of the Employees within the Supervisory Board:

Clemens Schröder

D 23863 Kayhude

Marital status: unknown

 

 

Proxy

 

Francois Conradie

D 25421 Pinneberg

authorized to jointly represent the company

born: 29.09.1969

Profession: Businessman

 

 Proxy:

                      Thorsten Stahl

                      D 24568 Kaltenkirchen

                      authorized to jointly represent the company

                      born: 23.01.1962

 Proxy:

                      Dierk Dieter Babinsky

                      Lottbekkamp 12

                      D 22395 Hamburg

                      authorized to jointly represent the company

                      born: 11.09.1961

                      Profession: Solicitor

 Proxy:

                      Rüdiger Urbahns

                      D 22359 Hamburg

                      authorized to jointly represent the company

                      born: 19.03.1969

 Proxy:

                      Dr. Helmut Glaser

                      D 45879 Gelsenkirchen

                      authorized to jointly represent the company

                      born: 21.09.1956

 Proxy:

                      Dr.-Ing. Thomas Tebroke

                      Burenstock 15

                      D 48653 Coesfeld

                      authorized to jointly represent the company

                      born: 23.10.1962


 Proxy:

                      Dr. Burkhard Klopries

                      D 46236 Bottrop

                      authorized to jointly represent the company

                      born: 11.10.1954

 Proxy:

                      Dr. Stephan Schiffler

                      D 25541 Brunsbüttel

                      authorized to jointly represent the company

                      born: 12.05.1957

 Proxy:

                      Dr. Reiner Volbers

                      D 20537 Hamburg

                      authorized to jointly represent the company

                      born: 26.12.1958

 Proxy:

                      Dr. Stefan Maedje

                      D 24558 Henstedt-Ulzburg

                      authorized to jointly represent the company

                      born: 21.04.1965

 Proxy:

                      Dr. Thomas Rappert

                      D 20095 Hamburg

                      authorized to jointly represent the company

                      born: 28.06.1963

 Proxy:

                      Patricio Guillermo Graham Viljoen

                      D 61381 Friedrichsdorf

                      authorized to jointly represent the company

                      born: 19.03.1960

 Proxy:

                      Jörn Ladehoff

                      Westerfeldweg 15

                      D 25704 Wolmersdorf

                      authorized to jointly represent the company

                      born: 10.10.1961

 Proxy:

                      Christian Schindler

                      D 20095 Hamburg

                      authorized to jointly represent the company

                      born: 08.01.1967

                      Profession: Solicitor

                      Marital status: unknown

 Proxy:

                      Joseph Michael Schwalbach

                      D 40210 Düsseldorf

                      authorized to jointly represent the company

                      born: 23.03.1967

 


Further functions/participations of Arno Klegin (Manager)

 

 Proxy:

                      Sasol Chemie Verwaltungs GmbH

                      Anckelmannsplatz 1

                      D 20537 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         12.01.2001

                      Reg. data:  20355 Hamburg, HRB 78486

 Proxy:

                      Sasol Chemical Verwaltungs-GmbH

                      Anckelmannsplatz 1

                      D 20537 Hamburg

                      Legal form: Private limited company

                      Share capital:     EUR             25,600.00

                      Registered

                      on:         04.12.2001

                      Reg. data:  20355 Hamburg, HRB 79854

 Proxy:

                      Sasol Solvents Germany GmbH

                      Anckelmannsplatz 1

                      D 20537 Hamburg

                      Post Box:

                      26 18 16, D 20508

                      Legal form: Private limited company

                      Share capital:     EUR         20,000,000.00

                      Registered

                      on:         01.12.2005

                      Reg. data:  20355 Hamburg, HRB 95606

 

 

COMPANY HISTORY

 

 11.01.2001 - 28.02.2001  "Ad acta" Dreihundertsechsundsiebzigste

                          Vermögensverwaltungsgesellschaft mbH

                          Curienstr. 2

                          D 20095 Hamburg

                          Private limited company

 

 01.03.2001 - 01.04.2001            Sasol Germany GmbH

                          Überseering 40

                          D 22297 Hamburg

                          Private limited company

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 26.10.2011 - 26.05.2014  Member of the Supervisory Board

                          Fleetwood Rawstorne Grobler

                          D 20537 Hamburg

 

 26.10.2011 - 27.06.2013  Member of the Supervisory Board

                          Alan Field

                          D 21224 Rosengarten

 

 26.10.2011 - 01.02.2013  Member of the Supervisory Board

                          Thomas Francis O'Brien

                          D 61348 Bad Homburg

 

 14.02.2008 - 07.06.2012  Manager

                          Essimari Kairisto

                          D 41352 Korschenbroich

 

 

BUSINESS ACTIVITIES

 

Main industrial sector

·         Engaged in manufacturing detergents and cleaning agents, paints and coatings, cosmetics and pharmaceutical products as well as catalysts, high-performance abrasives and plastic additives

Engaged in producing organic and inorganic chemical products

 

 

BRANCHES AND FACTORIES

 

 Works:

                      Sasol Germany GmbH

                      Paul-Baumann-Str. 1

                      D 45772 Marl

                      TEL.: 02365/4908

                      FAX.: 02365/492000

 Branch:

                      Sasol Germany GmbH

                      Arthur-Imhausen-Str. 92

                      D 58453 Witten

                      TEL.: 02302/925313

 Branch:

                      Sasol Germany GmbH

                      Fritz-Staiger-Str. 15

                      D 25541 Brunsbüttel

                      TEL.: 04852/392-0

                      FAX.: 04852/392-300

 

FINANCIAL INFORMATION

 

Payment experience:      Slow but Correct

 

Negative information:      We have no negative information at hand.

 

Balance sheet year:       2013/2014

 

 

REAL ESTATE

 

Type of ownership:                     Tenant

Address                                     Anckelmannsplatz 1

                                                D 20537 Hamburg

 

Land register documents were not available.

 

 

BANKERS

 

Principal bank

COMMERZBANK VORMALS DRESDNER BANK, 33502 BIELEFELD

Sort. code: 48080020

BIC: DRESDEFF480

 

Further bank

DEUTSCHE BANK, 20079 HAMBURG

Sort. code: 20070000, Account no.: 0606848

BIC: DEUTDEHHXXX, IBAN: DE57200700000060684800

 

 

FINANCIAL FIGURES

 

 Turnover:            2012/2013          EUR      1,281,025,941.00

                      2013/2014          EUR      1,232,827,304.00

 Profit:              2012/2013          EUR         77,443,508.00

                      2013/2014          EUR         93,344,912.00

 further business figures:

 Equipment:                              EUR          9,572,469.00

 Ac/ts receivable:                       EUR        243,947,427.00

 Liabilities:                            EUR        242,020,699.00

 Real estate of the firm:                EUR         19,611,052.00

 Employees:                                                  1,400


Control and profit transfer agreement to:

Sasol Performance Chemicals GmbH

Anckelmannsplatz 1

D 20537 Hamburg

 

 

BALANCE SHEETS

 

 Balance sheet ratios 01.07.2013 - 30.06.2014

 Equity ratio [%]:                 27.04

 Liquidity ratio:                   1.44

 Return on total capital [%]:      18.49

 

 Balance sheet ratios 01.07.2012 - 30.06.2013

 Equity ratio [%]:                 21.35

 Liquidity ratio:                   1.34

 Return on total capital [%]:      17.40

 

 Balance sheet ratios 01.07.2011 - 30.06.2012

 Equity ratio [%]:                 19.69

 Liquidity ratio:                   1.54

 Return on total capital [%]:      22.93

 

 Balance sheet ratios 01.07.2010 - 30.06.2011

 Equity ratio [%]:                 21.03

 Liquidity ratio:                   1.52

 Return on total capital [%]:      16.93

 

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:      01.07.2013 - 30.06.2014

 

 ASSETS                                  EUR        566,627,363.00

  Fixed assets                           EUR        187,063,391.00

   Intangible assets                     EUR          2,262,003.00

    Concessions, licences, rights        EUR          2,262,003.00

   Tangible assets                       EUR        179,412,377.00

    Land / similar rights                EUR         19,611,052.00

    Plant / machinery                    EUR         90,468,818.00

    Other tangible assets / fixtures and

    fittings                             EUR          9,572,469.00

    Advance payments made / construction

    in progress                          EUR         59,760,038.00

   Financial assets                      EUR          5,389,011.00

    Shares in participations /

    subsidiaries and the like            EUR              4,523.00

     Shares in related companies         EUR              4,523.00

    Securities included in fixed assets  EUR          5,250,422.00

    Other loans                          EUR            134,066.00

  Current assets                         EUR        377,703,022.00

   Stocks                                EUR        105,821,233.00

    Raw materials, consumables and

    supplies                             EUR         37,768,842.00

    Finished goods / work in progress    EUR         68,052,391.00

   Accounts receivable                   EUR        243,947,427.00

    thereof total due from shareholders  EUR         61,735,000.00

    Trade debtors                        EUR        136,043,928.00

    Amounts due from related companies   EUR         97,657,458.00

    Other debtors and assets             EUR         10,246,041.00

   Liquid means                          EUR         27,934,362.00

  Remaining other assets                 EUR          1,860,950.00

   Accruals (assets)                     EUR          1,860,950.00

 

 LIABILITIES                             EUR        566,627,363.00

  Shareholders' equity                   EUR        110,025,000.00

   Capital                               EUR         70,000,000.00

    Subscribed capital (share capital)   EUR         70,000,000.00

   Reserves                              EUR         40,025,000.00

    Capital reserves                     EUR         40,025,000.00

  Items between shareholders' equity and

  debt capital                           EUR          1,246,435.00

   Allowances / bonuses                  EUR          1,246,435.00

  Provisions                             EUR        210,725,229.00

   Pension provisions and comparable

   provisions                            EUR        148,407,638.00

   Other / unspecified provisions        EUR         62,317,591.00

  Liabilities                            EUR        242,020,699.00

   thereof total due to shareholders     EUR         87,590,000.00

   Other liabilities                     EUR        242,020,699.00

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR        142,175,944.00

    Liabilities from received advance

    payments                             EUR            794,865.00

    Liabililties due to related companiesEUR         95,230,109.00

    Unspecified other liabilities        EUR          3,819,781.00

     thereof liabilities from tax /

     financial authorities               EUR          2,154,000.00

  Other liabilities                      EUR          2,610,000.00

   Deferrals (liabilities)               EUR          2,610,000.00

  Guarantees and other commitments       EUR         35,000,000.00

   Other guarantees and other commitmentsEUR         35,000,000.00

 

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

 Code (HGB)

  Sales                                  EUR      1,232,827,304.00

  Inventory change + own costs (+/-)     EUR           -894,389.00

   Inventory change (+/-)                EUR         -1,299,200.00

   Capitalised own costs                 EUR            404,811.00

  Other operating income                 EUR         43,660,753.00

  Cost of materials                      EUR        893,492,984.00

   Raw materials and supplies, purchased

   goods                                 EUR        831,713,810.00

   Purchased services                    EUR         61,779,174.00

  Gross result (+/-)                     EUR        382,100,684.00

  Staff expenses                         EUR        147,913,934.00

   Wages and salaries                    EUR        118,959,057.00

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         28,954,877.00

  Total depreciation                     EUR         23,723,430.00

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         23,723,430.00

  Other operating expenses               EUR        108,479,746.00

  Operating result from continuing

  operations                             EUR        101,983,574.00

  Result from participating interests

  (+/-)                                  EUR              2,531.00

   Expenses / income from participations EUR              2,531.00

    Income from related companies        EUR              2,531.00

  Interest result (+/-)                  EUR         -8,478,591.00

   Interest and similar income           EUR             81,566.00

   Interest and similar expenses         EUR          8,560,157.00

  Other financial result                 EUR             85,623.00

   Income from securities and loans from

   financial assets                      EUR             85,623.00

  Financial result (+/-)                 EUR         -8,390,437.00

  Result from ordinary operations (+/-)  EUR         93,593,137.00

  Expenses for transfer of profits to a

  parent company                         EUR         93,344,912.00

  Other taxes / refund of taxes          EUR           -248,225.00

  Tax (+/-)                              EUR           -248,225.00

  Annual surplus / annual deficit        EUR                  0.00

 

 Type of balance

 sheet:               Company balance sheet

 

 Financial year:      01.07.2012 - 30.06.2013

 

 ASSETS                                  EUR        533,922,627.00

  Fixed assets                           EUR        134,144,027.00

   Intangible assets                     EUR          2,046,066.00

    Concessions, licences, rights        EUR          1,739,326.00

    Advance payments for intang. assets  EUR            306,740.00

   Tangible assets                       EUR        127,939,181.00

    Land / similar rights                EUR         13,912,124.00

    Plant / machinery                    EUR         54,080,445.00

    Other tangible assets / fixtures and

    fittings                             EUR          8,865,853.00

    Advance payments made / construction

    in progress                          EUR         51,080,759.00

   Financial assets                      EUR          4,158,780.00

    Shares in participations /

    subsidiaries and the like            EUR              4,523.00

     Shares in related companies         EUR              4,523.00

    Securities included in fixed assets  EUR          3,967,255.00

    Other loans                          EUR            187,002.00

  Current assets                         EUR        398,781,029.00

   Stocks                                EUR        105,014,787.00

    Raw materials, consumables and

    supplies                             EUR         30,324,916.00

    Finished goods / work in progress    EUR         74,689,871.00

   Accounts receivable                   EUR        282,443,449.00

    Amounts due from shareholders        EUR         88,819,000.00

    Trade debtors                        EUR        146,664,036.00

    Amounts due from related companies   EUR         36,650,241.00

    Other debtors and assets             EUR         10,310,172.00

   Liquid means                          EUR         11,322,793.00

  Remaining other assets                 EUR            997,571.00

   Accruals (assets)                     EUR            997,571.00

 

 LIABILITIES                             EUR        533,922,627.00

  Shareholders' equity                   EUR        110,025,000.00

   Capital                               EUR         70,000,000.00

    Subscribed capital (share capital)   EUR         70,000,000.00

   Reserves                              EUR         40,025,000.00

    Capital reserves                     EUR         40,025,000.00

  Items between shareholders' equity and

  debt capital                           EUR          1,701,115.00

   Allowances / bonuses                  EUR          1,701,115.00

  Provisions                             EUR        190,151,640.00

   Pension provisions and comparable

   provisions                            EUR        133,954,513.00

   Other / unspecified provisions        EUR         56,197,127.00

  Liabilities                            EUR        229,289,872.00

   thereof total due to shareholders     EUR         72,982,000.00

   Other liabilities                     EUR        229,289,872.00

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR        141,810,147.00

    Liabilities from received advance

    payments                             EUR          1,093,670.00

    Liabililties due to related companiesEUR         83,453,464.00

    Unspecified other liabilities        EUR          2,932,591.00

     thereof liabilities from tax /

     financial authorities               EUR          1,802,000.00

  Other liabilities                      EUR          2,755,000.00

   Deferrals (liabilities)               EUR          2,755,000.00

  Guarantees and other commitments       EUR             35,000.00

   Other guarantees and other commitmentsEUR             35,000.00

 

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

 Code (HGB)

  Sales                                  EUR      1,281,025,941.00

  Inventory change + own costs (+/-)     EUR         12,148,115.00

   Inventory change (+/-)                EUR         11,900,732.00

   Capitalised own costs                 EUR            247,383.00

  Other operating income                 EUR         40,597,644.00

  Cost of materials                      EUR        981,376,266.00

   Raw materials and supplies, purchased

   goods                                 EUR        928,867,694.00

   Purchased services                    EUR         52,508,572.00

  Gross result (+/-)                     EUR        352,395,434.00

  Staff expenses                         EUR        134,320,646.00

   Wages and salaries                    EUR        109,202,469.00

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR         25,118,177.00

  Total depreciation                     EUR         19,393,092.00

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR         19,393,092.00

  Other operating expenses               EUR        111,750,527.00

  Operating result from continuing

  operations                             EUR         86,931,169.00

  Result from participating interests

  (+/-)                                  EUR              2,407.00

   Expenses / income from participations EUR              2,407.00

    Income from related companies        EUR              2,407.00

  Interest result (+/-)                  EUR         -9,300,220.00

   Interest and similar income           EUR            133,460.00

    thereof from related companies       EUR            115,000.00

   Interest and similar expenses         EUR          9,433,680.00

    thereof paid to related companies    EUR          2,960,000.00

  Other financial result                 EUR             54,076.00

   Income from securities and loans from

   financial assets                      EUR             54,076.00

  Financial result (+/-)                 EUR         -9,243,737.00

  Result from ordinary operations (+/-)  EUR         77,687,432.00

  Expenses for transfer of profits to a

  parent company                         EUR         77,443,508.00

  Income tax / refund of income tax (+/-)EUR           -243,924.00

  Tax (+/-)                              EUR           -243,924.00

  Annual surplus / annual deficit        EUR                  0.00


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.41

UK Pound

1

Rs.93.18

Euro

1

Rs.69.82

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

MNL

 

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.