MIRA INFORM REPORT

 

 

Report No. :

324247

Report Date :

01.06.2015

 

IDENTIFICATION DETAILS

 

Name :

BUCHERER AG

 

 

Registered Office :

Langensandstrasse 27, 6005 Luzern/LU, Switzerland/CH

 

 

Country :

Switzerland

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

1888

 

 

Com. Reg. No.:

100.3.026.034-2

 

 

Legal Form :

Company limited by shares

 

 

Line of Business :

The company is the leading Swiss Retailer for Jewelry and Watches.

 

 

No. of Employees :

1,000-1,999

 

 

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)

Switzerland

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SWITZERLAND - ECONOMIC OVERVIEW

 

Switzerland is a peaceful, prosperous, and modern market economy with low unemployment, a highly skilled labor force, and a per capita GDP among the highest in the world. Switzerland's economy benefits from a highly developed service sector, led by financial services, and a manufacturing industry that specializes in high-technology, knowledge-based production. Its economic and political stability, transparent legal system, exceptional infrastructure, efficient capital markets, and low corporate tax rates also make Switzerland one of the world's most competitive economies. The Swiss have brought their economic practices largely into conformity with the EU's to enhance their international competitiveness, but some trade protectionism remains, particularly for its small agricultural sector. The fate of the Swiss economy is tightly linked to that of its neighbors in the euro zone, which purchases half of all Swiss exports. The global financial crisis of 2008 and resulting economic downturn in 2009 stalled export demand and put Switzerland in a recession. The Swiss National Bank (SNB) during this period effectively implemented a zero-interest rate policy to boost the economy as well as prevent appreciation of the franc, and Switzerland's economy began to recover in 2010. The sovereign debt crises currently unfolding in neighboring euro-zone countries pose a significant risk to Switzerland's financial stability and are driving up demand for the Swiss franc by investors seeking a safe-haven currency. The independent SNB has upheld its zero-interest rate policy and conducted major market interventions to prevent further appreciation of the Swiss franc, but parliamentarians have urged it to do more to weaken the currency. The franc's strength has made Swiss exports less competitive and weakened the country's growth outlook; GDP growth fell below 2% per year during 2011-13. Switzerland has also responded to increasing pressure from individual neighboring countries, the EU, the US, and international institutions to reform its banking secrecy laws. Consequently, the government agreed to conform to OECD regulations on administrative assistance in tax matters, including tax evasion. The government has renegotiated its double taxation agreements with numerous countries, including the US, to incorporate the OECD standard, and is considering the possibility of imposing taxes on bank deposits held by foreigners. These steps hurt Switzerland's long history of bank secrecy.

 

Source : CIA

 


Company Name

 

BUCHERER AG

 

 

Operating address

 

Langensandstrasse 27

6005 Luzern/LU

Switzerland/CH

 

Telephone:                   041 3697000

Fax:                             041 3697778

 

Web site:                      http://www.bucherer.com

E-mail:                         luzern@bucherer.com

 

WIN Worldbox No.:       CH0000021037

VAT-No.:                      CHE-116.273.573 MWST

UID-No.:                       CHE109612210

 

 

Profile

 

Established:                 1888

History:                        1888:      Established from Carl F. Bucherer

Line of Business:          Financial services, Retail stores, Consumer goods manufacturing, Watch technology

Industry Division:          Services, Retail trade, Manufacturing

Industry-code (NACE):  6420       Activities of holding companies

                                    4777       Retail sale of watches and jewellery in specialised stores

                                    3212       Manufacture of jewellery and related articles

                                    2652       Manufacture of watches and clocks

Import/Export:              Import, Export

Banks:                          unknown

 

 

Operational Figures

 

Coverage:                    Group

Figures:                        approximately

Employees:                  1,000-1,999

Sales:                          CHF 1-2 Bil

 

 

Activity

 

The company is the leading Swiss retailer for jewelry and watches. The whole group has several sales offices in Switzerland, Austria and Germany. Brands: Rolex, Carl F. Bucherer, Chopard, Piaget, IWC, Audemars Piguet, Girard-Perregaux, TAG Heuer, Tudor, Baume & Mercier, Longines, Rado and Gucci.

 

 

Real Estate

 

Real Estate:                  The company owns buildings.

 

 

Company Register

 

Company No:               100.3.026.034-2

UID-No.:                       CHE109612210

Legal form:                   Company limited by shares

Registration:                 14.06.2002

Legal status:                 active

Responsible Register:   Handelsregister des Kantons Luzern

History:                        Date of Statutes: 01.10.2010

                                    Date of Incorporation Statutes: 13.06.2002

 

Entry          Deleted      Name

14.06.2002                    Bucherer AG

14.06.2002                    Bucherer Ltd (Name translated)

14.06.2002                    Bucherer SA (Name translated)

 

Entry          Deleted      Legal domicile

14.06.2002                    Luzern, Switzerland

 

Entry          Deleted      Address

14.06.2002                    Langensandstrasse 27, 6005 Luzern/LU, Switzerland/CH

 

Entry          Deleted      Capital

14.06.2002                    Share Capital CHF 18,000,000, paidup CHF 18,000,000

 

Entry          Deleted      Capital Structure

14.06.2002                    18,000 Registered shares of CHF 1,000.--

 

 

Official Administration

 

Title                                           Name

President, Chief Executive           Jörg G. Bucherer

                                                  Citizen: Basel, Switzerland

                                                  Residential address: Meggen, Switzerland

                                                  single signature

                                                  Registered since: 14.06.2002

Director                                      Dr. Marcel Braun

                                                  Citizen: Münchwilen TG, Switzerland

                                                  Residential address:  Uitikon , Switzerland

                                                  joint signature of two

                                                  Registered since: 17.01.2011

Director                                      Adelbert Bütler

                                                  Citizen: Ermensee, Auw, Switzerland

                                                  Residential address: 6294 Ermensee/LU, Switzerland

                                                  joint signature of two

                                                  Registered since: 16.11.2009

Director                                      Dr. Urs Mühlebach

                                                  Citizen: Sempach, Tegerfelden, Switzerland

                                                  Residential address: Sempach, Switzerland

                                                  joint signature of two

                                                  Registered since: 25.11.2013

 

 

Management

 

Title                                           Name

Chairman of the direction             Guido Zumbühl

                                                  Citizen: Oberdorf NW, Switzerland

                                                  Residential address: Walchwil, Switzerland

                                                  joint signature of two

                                                  Registered since: 14.06.2002

Member of the direction              Tanja Fruithof

                                                  Citizen: Winterthur, Henggart, Switzerland

                                                  Residential address: 8703 Erlenbach/ZH, Switzerland

                                                  joint signature of two

                                                  Registered since: 01.09.2009

Member of the direction              Josef Williner

                                                  Citizen: Embd, Switzerland

                                                  Residential address: Hochdorf/LU, Switzerland

                                                  joint signature of two

                                                  Registered since: 14.06.2005

Director                                      Jörg Baumann

                                                  Citizen: Wassen, Switzerland

                                                  Residential address: 6048 Horw/LU, Switzerland

                                                  joint signature of two

                                                  Registered since: 01.09.2009

Director                                      Roland Bühler

                                                  Citizen: Sigriswil, Switzerland

                                                  Residential address: 6000 Luzern/LU, Switzerland

                                                  joint signature of two

                                                  Registered since: 26.11.2010

Director                                      Kurt Christen

                                                  Citizen: Luzern, Wolfenschiessen, Switzerland

                                                  Residential address: Ebikon/LU, Switzerland

                                                  joint signature of two

                                                  Registered since: 14.06.2002

Director                                      Urs Kissling

                                                  Citizen: Kesteholz, Wolfwil, Switzerland

                                                  Residential address: Kestenholz, Switzerland

                                                  joint signature of two

                                                  Registered since: 18.01.2005

Director                                      Sascha Daniel Moeri

                                                  Citizen: Hermrigen, Switzerland

                                                  Residential address: Lachen, Switzerland

                                                  joint signature of two

                                                  Registered since: 22.05.2014

Director                                      Ivo Scala

                                                  Citizen: Luzern, Switzerland

                                                  Residential address: Ennetbürgen, Switzerland

                                                  joint signature of two

                                                  Registered since: 20.06.2013

Director                                      Hans Peter Schraner

                                                  Citizen: Buchrain, Switzerland

                                                  Residential address: Engelberg, Switzerland

                                                  joint signature of two

                                                  Registered since: 07.12.2012

Director                                      Oskar  Steffen

                                                  Citizen: Wolhusen, Switzerland

                                                  Residential address: Meggen, Switzerland

                                                  joint signature of two

                                                  Registered since: 20.06.2013

Member with signing authority      Stephan Ulrich

                                                  Citizen: Küssnacht SZ, Switzerland

                                                  Residential address: Affoltern am Albis/ZH, Switzerland

                                                  joint signature of two

                                                  Registered since: 07.07.2010

Member with procuration             Kurt Walter Allemann

                                                  Citizen: Welschenrohr, Switzerland

                                                  Residential address: Stansstad, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 22.05.2014

Member with procuration             Markus Amstutz

                                                  Citizen: Silenen, Switzerland

                                                  Residential address: Stans, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 17.04.2009

Member with procuration             Christoph Beusch

                                                  Citizen: Grabs, Switzerland

                                                  Residential address: Zürich, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 29.05.2013

Member with procuration             Enzo Gemperli

                                                  Citizen: Neckertal, Luzern, Switzerland

                                                  Residential address: Adligenswil, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 24.01.2003

Member with procuration             Fridolin Glarus Süd

                                                  Citizen: Schwanden, Switzerland

                                                  Residential address: Flims, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 25.04.2007

Member with procuration             Andreas Haag

                                                  Citizen: Warth-Weiningen, Switzerland

                                                  Residential address: St. Gallen, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 13.08.2012

Member with procuration             Marinette Haldemann

                                                  Citizen: Eggiwil, Switzerland

                                                  Residential address: Stansstad, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 22.05.2014

Member with procuration             Martin Husi

                                                  Citizen: Wangen bei Olten, Switzerland

                                                  Residential address: Celerina/Schlarigna, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

Member with procuration             Claude Jutzi

                                                  Citizen: Lausanne, Switzerland

                                                  Residential address: Lausanne/VD, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 01.03.2006

Member with procuration             Hans Kiener

                                                  Citizen: Emmen, Switzerland

                                                  Residential address: Emmen/LU, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

Member with procuration             Zazil Kugler

                                                  Citizen: Sursee, Switzerland

                                                  Residential address: Buttisholz, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 23.01.2015

Member with procuration             Benno Küng

                                                  Citizen: Gebenstorf, Switzerland

                                                  Residential address: 6000 Luzern/LU, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 26.11.2010

Member with procuration             Josef Beat Lauber

                                                  Citizen: Rüti, Zürich, Buchrain, Switzerland

                                                  Residential address: Davos/GR, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 25.04.2007

Member with procuration             Laurent Lecamp

                                                  Citizen: France

                                                  Residential address: Versoix, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 23.01.2015

Member with procuration             Ted Mate

                                                  Citizen: United States of America

                                                  Residential address: Zermatt/VS, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

Member with procuration             Thierry Marcel Paroz

                                                  Citizen: Saicourt, Switzerland

                                                  Residential address: Orpund, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 22.05.2014

Member with procuration             Stefan Portmann

                                                  Citizen: Luzern, Switzerland

                                                  Residential address: Grenchen, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 22.05.2014

Member with procuration             Franz Reichholf

                                                  Citizen: Austria

                                                  Residential address: Lugano, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 16.08.2007

Member with procuration             Anisia Reinhard

                                                  Citizen:  Eriswil, Switzerland

                                                  Residential address: Luzern, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 29.05.2013

Member with procuration             Roberto Ritschel

                                                  Citizen: Locarno, Switzerland

                                                  Residential address: Locarno/TI, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

Member with procuration             Jürg Straub

                                                  Citizen: Matten bei Interlaken, Switzerland

                                                  Residential address: Matten bei Interlaken/BE, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

Member with procuration             Benito Torres

                                                  Citizen: Kaisten, Switzerland

                                                  Residential address: Root, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 23.01.2015

Member with procuration             Daniel Uebelhart

                                                  Citizen: Welschenrohr, Switzerland

                                                  Residential address: Plateau de Diesse, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 22.05.2014

Member with procuration             Roger Patrick Vetter

                                                  Citizen: Luzern, Switzerland

                                                  Residential address: Hergiswil/NW, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 04.05.2012

Member with procuration             Urs von Arx

                                                  Citizen: Niederbuchsiten, Switzerland

                                                  Residential address: Kaiseraugst, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

Member with procuration             Peter von Gunten

                                                  Citizen: Sigriswil, Switzerland

                                                  Residential address: Hilterfingen, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

Member with procuration             Andreas Weishäupl

                                                  Citizen: Sarnen, Switzerland

                                                  Residential address: Sempach/LU, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

Member with procuration             Kathrin Würtele

                                                  Citizen: Mümliswil-Ramiswil, Switzerland

                                                  Residential address: Herrliberg, Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 08.07.2014

Member with procuration             Olivier Zeindler

                                                  Citizen: Bellikon, Switzerland

                                                  Residential address: Rothenburg , Switzerland

                                                  joint power of attorney of two

                                                  Registered since: 14.06.2002

 

 

External Positions

 

Title                                           Name

Auditor                                       KPMG AG

                                                  Residential address: Luzern, Switzerland

                                                  Id: CHE-253.502.577

                                                  Registered since: 14.06.2002

 

 

Executive board

 

Title                                           Name

Chief Executive Officer               Guido Zumbühl

Chief Financial Officer                 Hans Peter Schraner

Chief Marketing Officer, Chief Public Realtions Officer  Jörg Baumann

Chief Sales Officer                      Urs Kissling

Chief Production Officer              Sascha Daniel Moeri

Chief Human Resources Officer   Kurt Christen

Chief Business Segment Officer  Roland Bühler

Chief Business Segment Officer  Oskar  Steffen

Ultimate Parent Company

 

Name:                          Bucherer Holding AG

City/Country:                Luzern/LU, Switzerland/CH

 

 

Financial Data Bucherer Group

 

Consolidation:              consolidated (Segment)

Industry:                       Trade/Industry

 

Fiscal year end:                                    31.12.2013        31.12.2012        31.12.2011        31.12.2010        31.12.2009

Number of months:                                     12                    12                    12                    12                    12

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

Remarks:                                                   about               about               about               about               about

 

Operating revenue                                  1,010,000.0       1,005,000.0         780,000.0          600,000.0         500,000.0

Capital                                                       18,000.0           18,000.0           18,000.0           18,000.0           18,000.0

 

Employees  at year end                                   1,450                1,400                1,300                1,200                1,100

 

 

Owner/-s

 

No. of Owner/-s:           1

Owner:                         The company is privately owned.

 

Class:                          100%

Type:                           direct, Group-Level 1

Name:                          Bucherer Holding AG

City/Country:                Luzern/LU, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest (since 21.11.2013)

 

 

Investments

 

Class:                          100%

Name:                          Anton Haban Gesellschaft m.b.H.

City/Country:                Wien, Austria/AT

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

 

Class:                          100%

Name:                          Barth AG, Uhren und Juwelen

City/Country:                Luzern/LU, Switzerland/CH

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

 

Class:                          100%

Name:                          Bucherer Deutschland GmbH

City/Country:                Muenchen, Germany/DE

Interest:                        100,00% voting right, 100,00% capital interest (since 1996)

 

Class:                          100%

Name:                          Bucherer Handels AG

City/Country:                Luzern/LU, Switzerland/CH

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

 

Class:                          100%

Name:                          BUCHERER HONG KONG LIMITED

City/Country:                Wanchai/Wanchai, Hong Kong/HK

Interest:                        100,00% voting right, 100,00% capital interest (since 2001)

 

Class:                          100%

Name:                          Carl F. Bucherer AG

City/Country:                Luzern/LU, Switzerland/CH

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

 

Class:                          100%

Name:                          Cavena AG

City/Country:                Luzern/LU, Switzerland/CH

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

 

Class:                          100%

Name:                          Interoptik AG

City/Country:                Interlaken/BE, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest (since 2011)

 

Class:                          100%

Name:                          Juwelier Kurz AG

City/Country:                Luzern/LU, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest (since 1989)

 

Class:                          100%

Name:                          L. Bader, Meyer-Bader succ. SA

City/Country:                Genève/GE, Switzerland/CH

Interest:                        100,00% voting right, 100,00% capital interest (since 1998)

 

Class:                          100%

Name:                          Swiss Lion AG

City/Country:                Luzern/LU, Switzerland/CH

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

 

 

Financials

 

Balance sheet publication:     

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

 

 

Legal Actions

 

Control date       Year                       No.             Amount CHF     Status

04.06.2014          2014                           0                                      Legal actions

31.12.2013          2013                           0                                      Legal actions

31.12.2012          2012                           0                                      Legal actions

31.12.2011          2011                           0                                      Legal actions

31.12.2010          2010                           0                                      Legal actions

31.12.2009          2009                           0                                      Legal actions

31.12.2008          2008                           0                                      Legal actions

31.12.2007          2007                           0                                      Legal actions

31.12.2006          2006                           0                                      Legal actions

31.12.2005          2005                           0                                      Legal actions

31.12.2004          2004                           0                                      Legal actions

Official bankruptcy reports:

No bankruptcy publications available on the subject.

 

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

 

 

Sanctions List

 

The company is not listed in the WorldCompliance database.

 

 

Payment experiences

 

Payment experiences from pre-legal collection cases:

No payment experiences from pre-legal collection cases are available.

                                 

Payment experiences from collection cases:

No payment experiences from legal collection cases are available.

 

Mode of payment / Business conduct:

There are no complaints about the mode of payment and the business conduct.

 

 

Credit Information

 

Financial Situation:        The financial situation is considered to be good.

 

Payment experiences:   Financial obligations are paid very punctually.


DIAMOND INDUSTRY – INDIA

 

-            From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-            The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-            The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-            Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-            Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-            Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-            Excerpts from Times of India dated 30th October 2010 is as under –

 

-            Gem & Jewellery Export Promotion Council in its statistical data has shown the export of polished diamonds to have increase by 28 % in February 2013. Compared to $ 1.4 bn worth of polished diamond export in February, 2012, India exported $ 1.84 billion worth of polished diamonds in February 2013. A senior executive of GJEPC said, “Export of cut and polished diamonds started falling month-wise after the imposition of 2 % of import duty on the polished diamonds. But February, 2013 has given a new ray of hope to the industry as the export of polished diamonds has actually increased by 28 %. It means the industry  is on the track of recovery and round tripping of diamonds has stopped completely.” Demand has started coming from the US, the UK, Japan and China. India’s polished diamond export is expected to cross $ 21 bn in 2013-14.

 

-            The banking sector has started exercising restraint while following prudent risk management norms when lending money to gems and jewellery sector. This follows the implementation of Basel III accord – a global voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity.

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.76

UK Pound

1

Rs.97.80

Euro

1

Rs.69.91

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

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%)

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This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.