MIRA INFORM REPORT

 

 

Report No. :

312471

Report Date :

13.03.2015

 

IDENTIFICATION DETAILS

 

Name :

NONGHYUP FEED INC.

 

 

Registered Office :

528, Olympic-ro, Gangdong-gu, Seoul, 4th Fl., Seoul Branch of NACF, Zip Code 134-763

 

 

Country :

South Korea

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

31.08.2002

 

 

Com. Reg. No.:

212-81-59971

 

 

Legal Form :

Co., Ltd by Shares

 

 

Line of Business :

·         Engaged as Manufacturer of Livestock Feeds and Prepared Animal Feeds

·         Engaged in Selling of Dog And Cat Food, Livestock Feed, Poultry Food & Pig Food

 

 

No of Employees :

722

 

 

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)

South Korea

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

South Korea ECONOMIC OVERVIEW

 

South Korea over the past four decades has demonstrated incredible growth and global integration to become a high-tech industrialized economy. In the 1960s, GDP per capita was comparable with levels in the poorer countries of Africa and Asia. In 2004, South Korea joined the trillion-dollar club of world economies, and is currently the world's 12th largest economy. Initially, a system of close government and business ties, including directed credit and import restrictions, made this success possible. The government promoted the import of raw materials and technology at the expense of consumer goods, and encouraged savings and investment over consumption. The Asian financial crisis of 1997-98 exposed longstanding weaknesses in South Korea's development model including high debt/equity ratios and massive short-term foreign borrowing. GDP plunged by 6.9% in 1998, and then recovered by 9% in 1999-2000. South Korea adopted numerous economic reforms following the crisis, including greater openness to foreign investment and imports. Growth moderated to about 4% annually between 2003 and 2007. South Korea's export focused economy was hit hard by the 2008 global economic downturn, but quickly rebounded in subsequent years, reaching 6.3% growth in 2010. The US-Korea Free Trade Agreement was ratified by both governments in 2011 and went into effect in March 2012. Throughout 2012 and 2013 the economy experienced sluggish growth because of market slowdowns in the United States, China, and the Eurozone. The administration in 2014 is likely to face the challenge of balancing heavy reliance on exports with developing domestic-oriented sectors, such as services. The South Korean economy's long term challenges include a rapidly aging population, inflexible labor market, dominance of large conglomerates (chaebols), and heavy reliance on exports, which comprise about half of GDP.

 

Source : CIA

 

Basic

 

Company Name

NONGHYUP FEED INC.

(Korean Company Name : “()농협사료”)

Registered Address

528, Olympic-ro, Gangdong-gu, Seoul, Korea

Building

4th Fl., Seoul Branch of NACF

Zip Code

134-763

Tel

+82-2-6932-9700

Fax

+82-2-6932-9880

E-mail

admin@nonghyupsaryo.co.kr

Website

www.nonghyupsaryo.co.kr

Trading Address

4th Fl., Seoul Branch of NACF, 528, Olympic-ro, Gangdong-gu, Seoul, Korea

(Old Address System : 4th Fl., Seoul Branch of NACF, 451, Seongnae 1-dong, Gangdong-gu, Seoul, Korea)

Tel

+82-2-6932-9700

Fax

+82-2-6932-9880

Other Address

154, Daesin-ro, Heungdeok-gu, Cheongju-si, Chungcheongbuk-do, Korea

Type

Export/Import

  Main Business

·         Engaged as Manufacturer of Livestock Feeds and Prepared Animal Feeds

·         Engaged in Selling of Dog And Cat Food, Livestock Feed, Poultry Food & Pig Food

Established (mm/dd/yyyy)

08/31/2002

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Dog and cat food(10121800)

Sell

Livestock feed(10121500)

Sell

Poultry food(10121604)

Sell

Pig food(10122101)

 

 

CEO’s

 

Name

Chae Hyung-Seok

Address

Suite 310-2304, 34, Donong-ro, Namyangju-si, Gyeonggi-do, Korea

Date of Birth

10/04/1958

Title

President & CEO

Sex

Male

Nationality

Korean

 

 


Profiles

 

Capital (KRW)

66,768,010,000

Employees

722

Formation

Co., Ltd by Shares

A Company of NONGHYUP GROUP

Bank Details

NH Nonghyup Bank

Corporate Registered No.

110111-2600313

Business Registered No.

212-81-59971

Permit & Licenses

Int’l Trade No.: 45045257

Shareholder Position

Name

Shares

%

NONGHYUP AGRIBUSINESS GROUP INC.(110111-4809468)

13,353,602

100.00

TOTAL

13,353,602

100.00

Company History

08/31/2002 Incorporated as the present name

12/13/2007 Increased capital to 66,768,010,000 KRW from 56,768,010,000 KRW

 

 

 

 

Management

 

Job Description

Title

Name

Sex

Nationality

Inauguration Date

President & CEO

Mr.

Chae Hyung-Seok

Male

Korean

02/26/2014

Outside Director

Mr.

Yang Seung-Ryong

Male

Korean

09/24/2012

Director

Mr.

Jung Jin-Tae

Male

Korean

02/26/2014

Director / Auditor

Mr.

Kim Byung-Hwa

Male

Korean

03/21/2014

Director

Mr.

Lee Ki-Soo

Male

Korean

04/08/2014

Director / Auditor

Mr.

Lee Chul-Ho

Male

Korean

04/08/2014

Director

Mr.

Kim Young-Kyo

Male

Korean

04/08/2014

Director / Auditor

Mr.

You In-Jong

Male

Korean

04/08/2014

Director

Mr.

Ko Dong-Soo

Male

Korean

04/08/2014

Director

Mr.

Ahn Jong-Hwa

Male

Korean

04/08/2014

Director

Mr.

Choi Sung-Cheon

Male

Korean

04/08/2014

Director

Mr.

Hong Soon-Kyung

Male

Korean

04/08/2014

Director

Mr.

Choi nKi-Hwan

Male

Korean

04/08/2014

Director

Mr.

Kang Dong-Choon

Male

Korean

04/08/2014

Director / Auditor

Mr.

Lee Kwang-Ha

Male

Korean

04/08/2014

Director / Auditor

Mr.

Kwon Ki-Soo

Male

Korean

04/08/2014

Director

Mr.

Jung Dong-Chae

Male

Korean

04/08/2014

Director

Mr.

Sohn Won-Oh

Male

Korean

04/08/2014

Director

Mr.

Park Hak-Kyu

Male

Korean

04/08/2014

Director

Mr.

Lee Jung-Woo

Male

Korean

05/21/2014

Director

Mr.

Nam In-Sik

Male

Korean

02/16/2015

Director

Mr.

Chae Won-Bong

Male

Korean

02/16/2015

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

2013

1,501,243,590,468

632,728,586,472

27,559,322,492

2012

1,435,418,870,942

724,431,270,796

24,968,729,679

2011

1,254,244,549,792

627,564,558,144

26,064,506,837

2010

1,061,567,214,940

547,625,480,660

27,603,726,994

2009

1,141,542,681,970

514,991,680,468

22,042,353,170

 

 

Financial Description

 

Authorized Capital(KRW)

227,072,040,000

Paid-Up Capital(KRW)

66,768,010,000

Total Issued Shares

13,353,602

 

 

Balance Sheet

Unit : Korean Won

As of 12/31/2013

As of 12/31/2012

As of 12/31/2011

Total Assets

632,728,586,472

724,431,270,796

627,564,558,144

Current Assets

417,007,620,635

519,532,704,263

446,619,193,616

-Quick Assets

263,101,813,135

336,107,218,292

284,904,491,143

-Inventories

153,905,807,500

183,425,485,971

161,714,702,473

Fixed Assets

215,720,965,837

204,898,566,533

180,945,364,528

-Investment

27,992,247,482

17,967,509,293

12,184,847,407

-Tangibles

179,997,794,896

179,436,409,735

162,502,645,111

-Intangibles

2,954,887,984

2,094,499,575

1,031,284,114

-Others

4,776,035,475

5,400,147,930

5,226,587,896

Total Liabilities

466,521,142,565

580,995,973,068

503,401,428,190

Current Liabilities

454,247,310,557

519,897,965,489

441,656,325,778

Fixed Liabilities

12,273,832,008

61,098,007,579

61,745,102,412

Capital Stock

66,768,010,000

66,768,010,000

66,768,010,000

Capital Surplus

 

 

 

Profit Surplus

99,699,748,248

76,827,695,247

57,200,406,368

Capital Adjustment

-260,314,341

-160,407,519

194,713,586

Total Equity

166,207,443,907

143,435,297,728

124,163,129,954

Liab. & Shareholder’s Equity

632,728,586,472

724,431,270,796

627,564,558,144

 

Current Liabilities

454,247,310,557

519,897,965,489

441,656,325,778

Trade Payables

81,121,630,795

155,105,811,979

58,563,010,470

Short-Term Borrowings

313,332,181,988

226,803,910,386

257,479,258,573

Account Payables

26,902,673,845

27,231,833,197

14,169,226,072

Advance Receipts

10,688,976,033

11,122,676,300

9,996,282,104

Withholdings

2,907,113,319

3,382,222,649

1,770,328,160

VAT Withhold

825,680,280

415,807,680

823,203,120

Withholdings

338,246,507

653,305,687

307,114,282

Accrued Expenses

3,101,729,846

871,973,461

1,083,187,830

Current Portion of Long-Term Debts

8,723,181,510

86,971,516,075

97,464,715,167

Accrued Income Tax

6,305,896,434

7,338,908,075

-

Fixed Liabilities

12,273,832,008

61,098,007,579

61,745,102,412

Long-Term Borrowings

7,713,841,508

59,801,546,509

60,076,018,488

Provision for Severance & Retirement

19,085,138,186

14,814,126,955

11,591,019,862

 

 

Income Statement

Unit : Korean Won

As of 12/31/2013

As of 12/31/2012

As of 12/31/2011

Sales

1,501,243,590,468

1,435,418,870,942

1,254,244,549,792

Cost of Sold Goods

1,390,739,402,570

1,331,304,545,672

1,157,952,085,316

Gross Profit

110,504,187,898

104,114,325,270

96,292,464,476

Selling & Admin. Expenses

75,972,051,620

86,261,626,867

55,528,325,156

Operating Income

34,532,136,278

17,852,698,403

40,764,139,320

Non-Operating Income

21,824,648,259

26,420,365,296

18,951,889,761

Non-Operating Expenses

22,336,345,221

12,990,292,422

23,608,023,654

Income Before Taxes

34,020,439,316

31,282,771,277

36,108,005,427

Income Taxes Expenses

6,461,116,824

6,314,041,598

10,043,498,590

Net Income

27,559,322,492

24,968,729,679

26,064,506,837

 

 

Cash Flows

Unit : Korean Won

As of 12/31/2013

As of 12/31/2012

As of 12/31/2011

Cash Flows from Operating

48,173,254,764

116,939,933,037

-110,460,552,895

-Net Income

27,559,322,492

24,968,729,679

26,064,506,837

-Exp. without Cash Outflow

24,394,330,763

33,011,932,293

18,233,390,208

-Revenue without Cash Inflows

-4,010,566,271

-8,006,915,722

-3,195,451,469

-Changes in Asset/ & Liability

230,167,780

66,966,186,787

-151,562,998,471

Cash Flows from Investing

-76,882,580,133

-41,819,751,049

-31,378,685,870

-Cash Inflow from Investing

1,574,208,759

3,522,382,800

54,968,033

-Cash Outflows for Investing

-78,456,788,892

-45,342,133,849

-31,433,653,903

Cash Flows from Financing

-44,304,416,451

-40,266,974,577

121,167,160,723

-Cash Inflows from Financing

1,161,106,873,007

1,088,959,562,556

1,015,199,858,585

-Cash Outflows from Financing

-1,205,411,289,458

-1,129,226,537,133

-894,032,697,862

Increase/Decrease in Cash

-73,013,741,820

34,853,207,411

-20,672,078,042

Cash at the Beginning of Year

84,864,139,767

50,010,932,356

70,683,010,398

Cash at the End of Year

11,850,397,947

84,864,139,767

50,010,932,356

 

Products, Technologies, Services Description

 

Main Products & Services

Feeds

 

 

Trade Partners & Competitors

 

Suppliers

CJ CORP.(110111-0015639)

Competitors

WOOGENE B&G CO., LTD.

230, JEONGMUNSONGSAN-RO, YANGGAM-MYEON, HWASEONG-SI, GYEONGGI-DO, KOREA

TEL:+82-31-352-0185  FAX:+82-31-352-1488

 

WOOSUNG CO., LTD.

33-19, TOYANG-RI, EUNJIN-MYEON, NONSAN-SI, CHUNGCHEONGNAM-DO, KOREA

TEL:+82-41-741-7836~40  FAX:+82-41-742-6205

 

VIXXOL CORPORATION

220-10, ANYANG 7-DONG, MANAN-GU, ANYANG-SI, GYEONGGI-DO, KOREA

TEL:+82-31-467-6767  FAX:+82-31-468-1502

 

 

Related Parties

(Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates

NONGHYUP FINANCIAL GROUP INC.(110111-4809450)

NONGHYUP BANK CO., LTD(110111-4809385)

NANUM LOTTO(110111-3726746)

KOREA CREDIT BUREAU(110111-3173369)

Affiliates

NAMHAE CHEMICAL CORPORATION

Namhae Chemical Corporation is the biggest fertilizer manufacturer in Korea with a share of more than 40% of national demand. The NACF is the dominant shareholder with a 56% share majority. The plant produces approximately 1.3 million tons of fertilizer and 0.6 million tons of chemical products annually.

Address: 343, Nakpo-dong, Yeosu-si, Jeollanam-do 555-250, Korea

Tel: +82-61-688-5500 / Fax: +82-61-686-3060

Website: www.namhaechem.com

 

KOREA AGRICULTURAL COOPERATIVE TRADING CO., LTD.

The KACT was established in 1990 to promote the export of agricultural goods produced by member farmers. The company is exporting to 30 countries such as Japan and the US. Exports totaled USD 45 million in 2006. The company also imports farm inputs for member cooperatives.

Address: 553, Seongnae-dong, Gangdong-gu, Seoul 134-851, Korea

Tel: +82-2-2225-2300 / Fax: +82-2-470-1972

Website: www.kact.net

 

KOREA AGRICULTURAL COOPERATIVE MARKETING, INC.

Established in 1995, Korea Agricultural Cooperative Marketing (KACM) serves both consumers and farmers. The mission of KACM is to give the lowest price possible to consumers and the best farm gate price for farmers by creating marketing channels that directly link the two groups. The KACM currently

operates three agricultural wholesale distribution centers and 26 supermarkets across the country.

Address: 230, Yangjae-dong, Seocho-gu, Seoul, 137-893, Korea

Tel: +82-2-3498-1000 / Fax: +82-2-3461-7945

Website: www.kacm.co.kr

 

DAEJEON AGRICULTURAL PRODUCTS MARKETING CENTER, CO., LTD.

The Center was established in 1998 to promote the trade of agricultural and livestock products in the Daejeon-Chungnam province. It is involved in agricultural and livestock products and services, including storage, delivery, processing.

Address: 301-703, Ahnyoung-dong, Jung-gu, Daejeon 301-213, Korea

Tel: +82-42-580-5000 / Fax: +82-42-580-5082

Website: www.daejeon-utong.com

 

AGRICULTURAL COOPERATIVE DAEGU GYEONGBUK MARKETING CO., LTD.

Established in 1997 to create innovation in agricultural marketing in the Gyeongbuk area, the company engages in the marketing, purchasing and development of agricultural and livestock products.

Address: 438, Gogok-ri, Hyoryeong-myeon, Gunwi-gun, Gyeongbuk, 716-822,

Korea

Tel: +82-54-380-5500 / Fax: +82-54-380-5599

Website: www.jang365.co.kr

 

AGRICULTURAL COOPERATIVE PUSAN KYONGNAM MARKETING, INC.

Established in 1997 to create innovation in agricultural marketing in Pusan and Kyong-nam area, the company engages in the marketing, purchasing and development of agricultural and livestock products.

Address: 1874-3, Geumgok-dong, Buk-gu, Busan, Korea 616-813, Korea

Tel: +82-51-330-9000 / Fax: +82-51-330-9140

Website: www.nonghyupshop.com

Affiliates

AGRICULTURAL COOPERATIVE CHUNGBUK MARKETING CO., LTD.

Established in 1998 to create innovation in agricultural marketing Chung-buk in area, the company engages in the marketing, purchasing and development of agricultural and livestock products.

Address: 118 Bangseo-dong, Sangdang-gu, Cheongju-si, Chungbuk, 360-183,

Korea

Tel: +82-43-290-0114 / Fax: +82-43-290-0297

Website: www.hanaroutong.co.kr

 

NONGHYUP KOREA INSAM COMPANY., LTD.

Nonghyup Insam began operations in 2002 and has quickly become a leader in the ginseng industry. It has developed strong relations with the ginseng cooperatives and through innovative marketing has increased the quality and variety of ginseng products for sale.

Address: 71-16 Ogeum-dong, Songpa-gu, Seoul 138-857, Korea

Tel: +82-2- 2201-3304 / Fax: +82-2-458-7942

Website: www.hansamin.com

 

NONGHYUP-AGRO INC.

Since 1995, Nonghyup-agro has been manufacturing boxes, wrapping paper and other packaging material for agricultural products. As a subsidiary of the NACF, it works closely with member cooperatives ensuring that these cooperatives have a stable supply of packaging at reasonable prices.

Address: 29-134, Bonri-ri, Nongong-eup, Dalseong-gun, Daegu, 711-855, Korea

Tel: +82-53-615-0341 / Fax: +82-53-615-0840

Website: www.agro.nonghyup.com

 

SAMHYUP NONGSAN CO., LTD.

Samhyup Nongsan Co. was established through a joint venture between the NACF

and the Insam (Ginseng) Cooperatives to produce quality organic fertilizers and other agricultural inputs for ginseng producers.

Address: 234 Joongheung-ri, Sari-myun, Geosan-kun Chungbuk 367-821 Korea

Tel: +82-43-836-8627 / Fax: +82-43-838-1003

 

NONGHYUP LOGISTICS SERVICE INC.

Nonghyup Logistics Service Inc. was founded on July 7, 2004 to establish an effective logistic system in Korea. Korean agriculture is suffering from unreasonably high transportation costs, which account for as much as 22% of the total production costs. Reducing the transportation costs is believed to be one of the key elements to improve the competitiveness of the Korean agricultural industry. The Nonghyup Logistics Service Inc. is committed to bringing innovation into the agricultural/livestock logistic business, and efficiently links rural producers with urban consumers.

Address: 8th Floor, 60-1 Keukdong bldg, Chungmuro 3-ga, Jung-gu, Seoul 100-705, Korea

Tel: +82-2-2264-7104 / Fax: +82-2-2269-7606

Website: www.nonghyuplogis.com

 

YOUNG IL CHEMICAL CO., LTD.

Young Il chemical co. was incorporated to a subsidiary of NACF in 2007. It provides eco-friendly, stable and convenient quality agricultural chemicals to Korean farmers. As a market leader in agricultural chemicals market, Young Il chemical Co. contributes to stable chemical supply to Korean farmers.

Address: 2F, Onse Bulilding, 192-9, Kumi-dong, Bundang-gu, Seongnam-si, 463-

500 Kyunggi-do, Korea

Tel: +82-31-738-5200 / Fax: +82-31-738-5255

Website: www.youngilchem.com

Affiliates

NONGHYUP MOGUCHON., INC.

The Nonghyup Moguchon Inc. was established in August 2006 as one of NACF's subsidiaries with ambitious goal to be the top meat meal integration company in Korea. The Moguchon would like to be the real defender of domestic food market in Korea, and the company has expanded its product line from previously sole livestock products further to dining-out market and agricultural/fishery processing businesses. The Moguchon now has various product lines including ham, bacon, chicken and frozen foods. The products are known to have high quality and safety, and most importantly are made from domestically-grown livestock.

Address: 14F, 7-11, Sincheon-dong, Songpa-gu, Seoul, Korea

Tel: +82-2-2144-0600 / Fax: +82-2-2144-0670

Website: www.moguchon.co.kr

 

NH INVESTMENT & FUTURES CO., LTD.

In 1997, NH Investment & Futures began overseas and domestic futures trading as a wholly owned subsidiary of the NACF. It also handles foreign exchange trading and offers consulting services and training. One of its primary goals is to stabilize prices of agricultural products in the domestic market.

Address: Allianz Bldg. 16th Fl. Yeouido-dong, Yeongdeungpo-gu, Seoul 150-010, Korea

Tel: +82-2-3787-8200 / Fax: +82-2-3787-8240

Website: www.nhfutures.com

 

NH-CA ASSET MANAGEMENT CO. LTD

NH-CA Asset Management is our most recent venture. It was established in January 2003 as a joint venture company between the NACF and Credit Agricole Asset Management, France's leading investment product provider. This company looks for synergy effects between local market distribution and global investment expertise. It is an integral part of CA Asset Management's global network in all major financial markets.

Address: 5th Floor HP Bldg. 23-3 Yeouido-dong, Yeongdeungpo-gu, Seoul, 150-724, Korea

Tel: +82-2-368-3600 / Fax: +82-2-368-3700

Website: www.nh-ca.com

 

NH INVESTMENT & SECURITIES CO., LTD.

NACF merged former Sejong Securities co., Ltd. in February 2006 and launched NH Investment & Securities Co., Ltd. Along with the largest financial network of NACF in Korea, NHIS shows the synergy effect in providing one-stop service to customers. NHIS develops new financial products and derivatives customized to various customers' needs and contribute to customers' property increase.

Address: 891 Daechi-dong, Kangnam-gu, Seoul, Korea

Tel: +82-2-2004-4114 / Fax: +82-2-3454-0496

Website: www.nhis.co.kr

Overseas Office

NH-COFEED FEEDMILL(TAINJIN) CO., LTD.

(30.0% held by the subject company)

Subsidiary

NH HAY, INC.

(100.0% held by the subject company)

 

NONGHYUP TMR AGRICULTURAL CO., LTD.(175611-0013339)

(60.4% held by the subject company)

Corporate Ownership

NATIONAL AGRICULTURAL COOPERATIVE FEDERATION(110136-0027690)

NONGHYUP AGRIBUSINESS GROUP INC.(110111-4809468)

Major Shareholders

NONGHYUP AGRIBUSINESS GROUP INC.(110111-4809468)

Cooperative Enterprise

-Insured Company

NONGHYUP PROPERTY & CASUALTY INSURANCE CO., LTD.(110111-4809369)

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.57

UK Pound

1

Rs.93.57

Euro

1

Rs.65.95

 

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

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NB

                                       New Business

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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.