MIRA INFORM REPORT

 

 

Report No. :

349816

Report Date :

09.11.2015

 

IDENTIFICATION DETAILS

 

Name :

HANSGROHE SE

 

 

Registered Office :

Auestr. 5-9, D 77761 Schiltach, Post Box:  1145

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2014

 

 

Date of Incorporation :

01.01.1901

 

 

Legal Form :

European Company (SE)

 

 

Line of Business :

  • Manufacture of metal products n.e.c.

·         Manufacture of taps and valves n.e.c.

  • Wholesale of non-ferrous ores, metals and metal semi-finished goods

·         Other engineering activities

 

 

No. of Employee :

3,446

 

 

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 :

Good 

 

 

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 – March 31, 2015

 

Country Name

Previous Rating

(31.12.2014)

Current Rating

(31.03.2015)

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, 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 5.2% in 2014. The new German government introduced a minimum wage of about $11.60 (8.50 euros) 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%. The budget was essentially in balance in 2014. 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. The German economy suffers from low levels of investment, and a government plan to invest 15 billion euros 2016-18, largely in infrastructure, is intended to spur needed private investment. 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 plans to replace nuclear power with renewable energy, which accounted for 27.8% of gross electricity consumption in 2014, up from 9% in 2000. 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. Extremely low inflation, caused largely by low global energy prices and a weak euro, are expected to boost German GDP growth in 2015.

 

Source : CIA

 

Company name and address

 

HANSGROHE SE

 

Company Status:          active

                                    Auestr. 5-9

                                    D 77761 Schiltach

                                    Post Box:  11 45

                                    Telephone:07836/51-0

                                    Telefax:  07836/51-1300

                                    Homepage: www.hansgrohe.com

                                    E-mail:   info@hansgrohe.com

 

VAT no.:                       DE812782725

LEGAL FORM               European Company (SE)

Date of foundation:       01.01.1901

Registered on:              27.03.2012

Commercial Register:    Local court 70190 Stuttgart

under:                                       HRB 740779

 

Share capital:                EUR         61,156,320.00

 

 

President of the Board of Directors

 

                     Thorsten Klapproth

                     D 73312 Geislingen

                     born: 28.11.1961 in Osterode im Harz

                     Profession: Fully qualified merchant

                     Marital status: married

 

 

Vice-president of the Board of Directors

 

                     Richard Grohe

                     Zollmatt 3

                     D 77761 Schiltach

                     authorized to jointly represent the company

                     born: 14.09.1965

                     Nationality: French

 

 

 

Member of the Board of Directors

 

                     Frank Schnatz

                     D 88433 Schemmerhofen

                     born: 22.02.1973

Member of the Board of Directors:

                     Frank Semling

                     Alter Sportplatz 15

                     D 77797 Ohlsbach

                     authorized to jointly represent the company

                     born: 05.11.1966

President of the Supervisory Board:

                     Klaus Jaenecke

                     D 77761 Schiltach

                     Marital status: unknown

Vice-president of the Supervisory Board:

                     Lau Frandsen

                     Auestr. 5 - 9

                     D 77761 Schiltach

                     Marital status: unknown

Member of the Supervisory Board:

                     Keith Allman

                     Auestr. 5 - 9

                     D 77761 Schiltach

                     Marital status: unknown

Member of the Supervisory Board:

                     Gerald Volas

                     Auestr. 5 - 9

                     D 77761 Schiltach

                     Marital status: unknown

Member of the Supervisory Board:

                     Pierre Nikolas Grohe

                     D 77761 Schiltach

                     Marital status: unknown

Representative of the Employees within the Supervisory Board:

                     Barbara Scholl

                     Auestr. 5 - 9

                     D 77761 Schiltach

                     Marital status: unknown

Representative of the Employees within the Supervisory Board:

                     Stefan Krischack

                     Auestr. 5-9

                     D 77761 Schiltach

                     Marital status: unknown

 

 

Proxy

 

                     Horst Josef Flieger

                     Bickenmäuerle 33/2

                     D 77761 Schiltach

                     authorized to jointly represent the company

                     born: 17.01.1954

                     Profession: Businessman

                     Marital status: married

Proxy:

                     Joachim Huber

                     Scheffelweg 13

                     D 78713 Schramberg

                     authorized to jointly represent the company

                     born: 28.06.1958

Proxy:

                     Dr.-Ing. Nicholas Matten

                     D 77652 Offenburg

                     authorized to jointly represent the company

                     born: 27.09.1961

Proxy:

                     Hans-Jürgen Kalmbach

                     D 77716 Haslach

                     authorized to jointly represent the company

                     born: 11.12.1974

Proxy:

                     Norbert Rembeck

                     D 89150 Laichingen

                     authorized to jointly represent the company

                     born: 27.05.1962

Proxy:

                     Thomas Egenter

                     Am Bühlhof 50

                     D 77756 Hausach

                     authorized to jointly represent the company

                     born: 23.09.1967

Proxy:

                     James-Phillipe Grohe

                     D 77709 Wolfach

                     authorized to jointly represent the company

                     born: 03.01.1967

Proxy:

                     Udo Kraus

                     D 77773 Schenkenzell

                     authorized to jointly represent the company

                     born: 31.03.1967

Proxy:

                     Christophe Germain Paul Gourlan

                     D 77652 Offenburg

                     authorized to jointly represent the company

                     born: 01.07.1972

 

Further functions/participations of Thorsten Klapproth (Presidentof the Board of Directors)

Manager:

                     Hansgrohe International GmbH

                     Auestr. 5-9

                     D 77761 Schiltach

                     Legal form: Private limited company

                     Share capital:     EUR            520,000.00

                     Registered

                     on:         13.01.1998

                     Reg. data:  70190 Stuttgart, HRB 480945

Manager:

                     Hansgrohe Deutschland Vertriebs GmbH

                     Auestr. 5-9

                     D 77761 Schiltach

                     Legal form: Private limited company

                     Share capital:     EUR            100,000.00

                     Registered

                     on:         06.11.2002

                     Reg. data:  70190 Stuttgart, HRB 481204

 

Further functions/participations of Richard Grohe (Vice-president

of the Board of Directors)

Limited partner:

                     Grohe Ausbildungs KG

                     Zollmatt 3

                     D 77761 Schiltach

                     Legal form: Limited partnership

                     Total cap.         EUR              4,000.00

                     contribution:

                     Share:             EUR              4,000.00

                     Registered

                     on:         03.04.2014

                     Reg. data:  70190 Stuttgart, HRA 729748

Shareholder:

                     Syngroh Beteiligungsgesellschaft mbH

                     Auestr. 25

                     D 77761 Schiltach

                     Legal form: Private limited company

                     Share capital:     EUR             50,000.00

                     Share:             EUR             12,500.00

                     Registered

                     on:         26.07.2013

                     Reg. data:  70190 Stuttgart, HRB 745743

 

Further functions/participations of Frank Schnatz (Member of the

Board of Directors)

Shareholder:

                     F.S. Trockenbau GmbH

                     Stuckenacker 6

                     D 58708 Menden

                     Legal form: Private limited company

                     Share capital:     EUR             25,000.00

                     Share:             EUR             25,000.00

                     Registered

                     on:         27.03.2003

                     Reg. data:  59821 Arnsberg, HRB 5373

 

 

COMPANY HISTORY

 

14.06.1905 -      09.09.1999  Hans Grohe GmbH & Co. KG

                         Auestr. 5-9

                         D 77761 Schiltach

                         Ltd partnership with priv. ltd. company

                         as general partner

10.09.1999 -      27.03.2012  Hansgrohe AG (HRB 481038 AG Stuttgart)

                         Auestr. 5-9

                         D 77761 Schiltach

                         Public limited company

 

 

RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

04.04.2012 -      20.05.2015  Member of the Board of Directors

                         Marc Griggel

                         D 78048 Villingen-Schwenningen

04.06.2013 -      22.04.2015  President of the Supervisory Board

                         Klaus Grohe

                         D 77761 Schiltach

28.12.2012 -      14.10.2014  President of the Board of Directors

                         Siegfried Gänßlen

                         D 72275 Alpirsbach

 

 


BUSINESS ACTIVITIES 

 

Sectors

25993   Manufacture of metal products n.e.c.

28140   Manufacture of taps and valves n.e.c.

46722   Wholesale of non-ferrous ores, metals and metal semi-finished goods

71129   Other engineering activities

 

 

BRANCHES AND FACTORIES

 

Branch:

                     Hansgrohe SE

                     Schramberger Str. 57

                     D 77761 Schiltach

Branch:

                     Hansgrohe SE

                     Paradiesstr. 206b

                     D 12526 Berlin

                     TEL.: 030/6799090

Branch:

                     Hansgrohe SE

                     Robert-Koch-Str. 2

                     D 72275 Alpirsbach

Branch:

                     Hansgrohe SE

                     Carl-Zeiss-Str. 3

                     D 77656 Offenburg

 

 

PARTICIPATIONS

 

Shareholder:

                     Hansgrohe International GmbH

                     Auestr. 5-9

                     D 77761 Schiltach

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:       EUR            520,000.00

                     Share:                  EUR            520,000.00

                     Reg. data:            13.01.1998

                                                 Local court 70190 Stuttgart

                                                HRB 480945

Shareholder:

                     Hansgrohe Deutschland Vertriebs GmbH

                     Auestr. 5-9

                     D 77761 Schiltach

                     Legal form: Private limited company

                     Company Status: active

                     Share capital:       EUR            100,000.00

                     Share:                  EUR            100,000.00

                     Reg. data:            06.11.2002

                                                Local court 70190 Stuttgart

                                                HRB 481204

 

 

FINANCIAL INFORMATION

 

Payment experience:  cash discount/within agreed terms

 

Negative information:We have no negative information at hand.

 

Balance sheet year:  2014

 

PMI:                 No significant / relevant payment experience

                        information pertaining to the company

                        inquired upon is shown in the Deutscher

                        Debitoren Monitor (DDMonitor).

 

 

REAL ESTATE

 

Type of ownership:        Tenant

Address                        Auestr. 5-9

                                    D 77761 Schiltach

 

Real Estate of:              Lau Frandsen

Type of ownership:        Tenant

Address                        Auestr. 5-9

                                    D 77761 Schiltach

 

Real Estate of:              Keith Allman

Type of ownership:        Tenant

Address                        Auestr. 5-9

                                    D 77761 Schiltach

 

Real Estate of:              Gerald Volas

Type of ownership:        Tenant

Address                        Auestr. 5-9

                                    D 77761 Schiltach

 

Real Estate of:              Barbara Scholl

Type of ownership:        Tenant

Address                        Auestr. 5-9

                                    D 77761 Schiltach

 

Real Estate of:              Stefan Krischack

Type of ownership:        Tenant

Address                        Auestr. 5-9

                                    D 77761 Schiltach

 

Land register documents were not available.

 

 

BANKERS

 

Principal bank

VOLKSBANK KINZIGTAL, 77757 SCHILTACH

Sort. code: 66492700

BIC: GENODE61KZT

 

Further banks

COMMERZBANK, 78628 ROTTWEIL

Sort. code: 64240071

BIC: COBADEFFXXX

DEUTSCHE BANK, 77603 OFFENBURG

Sort. code: 66470035

BIC: DEUTDE6F664

COMMERZBANK VORMALS DRESDNER BANK, 79003 FREIBURG IM BREISGAU

Sort. code: 68080030

BIC: DRESDEFF680

VOLKSBANK KINZIGTAL, 77706 WOLFACH

Sort. code: 66492700

BIC: GENODE61KZT

SPARKASSE WOLFACH, 77705 WOLFACH

Sort. code: 66452776

BIC: SOLADES1WOF

BADEN-WÜRTTEMB.BANK/LANDESBANK BADEN-WÜRTTEMB., 78614 ROTTWEIL

Sort. code: 60050101

BIC: SOLADEST600

 

 

FINANCIAL FIGURES

 

Turnover:                      2013               EUR        666,963,331.00

                                    2014               EUR        675,549,513.00

Profit:                           2013               EUR         80,947,149.00

                                    2014               EUR         83,912,327.00

further business figures:

 

Ac/ts receivable:                                               EUR         99,324,958.00

Liabilities:                                             EUR        131,770,022.00

Employees:                                              3,446

- Trainees:                                                119

 

 

BALANCE SHEETS

 

Balance sheet ratios                  01.01.2014 - 31.12.2014

Equity ratio [%]:                        61.55

Liquidity ratio:                           10.00

Return on total capital [%]:         14.30

 

Balance sheet ratios                  01.01.2013 - 31.12.2013

Equity ratio [%]:                        64.30

Liquidity ratio:                           10.00

Return on total capital [%]:         14.53

Balance sheet grade:                1.1

 

Balance sheet ratios                  01.01.2012 - 31.12.2012

Equity ratio [%]:                        64.54

Liquidity ratio:                           10.00

Return on total capital [%]:         14.71

Balance sheet grade:                1.1

 

Balance sheet ratios                  01.01.2011 - 31.12.2011

Equity ratio [%]:                        66.84

Liquidity ratio:                           10.00

Return on total capital [%]:         15.02

Balance sheet grade:                1.0

 

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.

 

Financials

 

Type of balance sheet:               Company balance sheet Origin of the present

balance sheet:                           electronic German Federal Gazette

 

Financial year:                           01.01.2014 - 31.12.2014

 

ASSETS                                  EUR        593,274,735.51

 Fixed assets                           EUR        107,725,435.08

  Intangible assets                     EUR          3,927,471.26

  Tangible assets                       EUR         95,771,019.88

  Financial assets                      EUR          8,026,943.94

   Other / unspecified financial assets EUR          8,026,943.94

 Current assets                         EUR        482,804,342.37

  Stocks                                EUR         70,028,815.92

   Finished goods / work in progress    EUR         70,028,815.92

  Accounts receivable                   EUR         99,324,958.42

   Other debtors and assets             EUR         99,324,958.42

  Liquid means                          EUR        313,450,568.03

 Remaining other assets                 EUR          2,744,958.06

  Accruals (assets)                     EUR          2,559,846.50

  Active difference from asset

  offsetting                            EUR            185,111.56

 

LIABILITIES                             EUR        593,274,735.51

 Shareholders' equity                   EUR        365,933,470.56

  Capital                               EUR         61,156,320.00

   Subscribed capital (share capital)   EUR         61,156,320.00

  Reserves                              EUR        220,864,824.01

   Capital reserves                     EUR         11,734,542.73

   Retained earnings / revenue reserves EUR        209,130,281.28

  Balance sheet profit/loss (+/-)       EUR         83,912,326.55

   Balance sheet profit / loss          EUR         83,912,326.55

 Provisions                             EUR         95,571,242.76

  Pension provisions and comparable

  provisions                            EUR         55,847,541.00

  Provisions for taxes                  EUR          5,963,319.41

  Other / unspecified provisions        EUR         33,760,382.35

 Liabilities                            EUR        131,770,022.19

  Other liabilities                     EUR        131,770,022.19

   Trade creditors (for IAS incl. bills

   of exchange)                         EUR         52,146,889.31

   Liabililties due to related companiesEUR         63,688,633.61

   Unspecified other liabilities        EUR         15,934,499.27

    thereof liabilities from tax /

    financial authorities               EUR          7,763,962.91

    thereof liabilities from social

    security                            EUR              2,348.96

 

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

Code (HGB)

 Sales                                  EUR        675,549,513.36

 Inventory change + own costs (+/-)     EUR          9,890,465.05

  Inventory change (+/-)                EUR          6,839,352.92

  Capitalised own costs                 EUR          3,051,112.13

 Other operating income                 EUR         22,995,318.10

 Cost of materials                      EUR        368,698,544.30

  Raw materials and supplies, purchased

  goods                                 EUR        335,651,670.70

  Purchased services                    EUR         33,046,873.60

 Gross result (+/-)                     EUR        339,736,752.21

 Staff expenses                         EUR        124,214,264.96

  Wages and salaries                    EUR        101,925,747.85

  Social security contributions and

  expenses for pension plans and

  benefits                              EUR         22,288,517.11

 Total depreciation                     EUR         24,556,879.24

  Depreciation on tangible / intangible

  asssets (incl. start-up and exp. of

  bus.                                  EUR         24,556,879.24

 Other operating expenses               EUR         89,744,770.46

 Operating result from continuing

 operations                             EUR        101,220,837.55

 Result from participating interests

 (+/-)                                  EUR         22,083,020.56

  Expenses / income from participations EUR         22,083,020.56

   Income from transfer of profits      EUR         22,082,775.42

   Income from related companies        EUR                245.14

 Interest result (+/-)                  EUR         -2,318,592.87

  Interest and similar income           EUR          1,940,497.69

   thereof from related companies       EUR            444,558.56

  Interest and similar expenses         EUR          4,259,090.56

   thereof paid to related companies    EUR            148,746.89

 Other financial result                 EUR             39,566.55

  Income from securities and loans from

  financial assets                      EUR             39,566.55

 Financial result (+/-)                 EUR         19,803,994.24

 Result from ordinary operations (+/-)  EUR        121,024,831.79

 Extraordinary expenses                 EUR            639,191.00

 Extraordinary result (+/-)             EUR           -639,191.00

 Income tax / refund of income tax (+/-)EUR        -36,473,314.24

 Tax (+/-)                              EUR        -36,473,314.24

 Annual surplus / annual deficit        EUR         83,912,326.55

 

 

Type of balance sheet:               Company balance sheet

Origin of the present

balance sheet:       electronic German Federal Gazette

 

Financial year:      01.01.2013 - 31.12.2013

 

ASSETS                                  EUR        563,430,470.87

 Fixed assets                           EUR        107,824,014.37

  Intangible assets                     EUR          3,828,968.26

  Tangible assets                       EUR         95,960,086.98

  Financial assets                      EUR          8,034,959.13

   Other / unspecified financial assets EUR          8,034,959.13

 Current assets                         EUR        453,994,474.14

  Stocks                                EUR         61,248,415.96

   Finished goods / work in progress    EUR         61,248,415.96

  Accounts receivable                   EUR         99,395,513.16

   Other debtors and assets             EUR         99,395,513.16

  Liquid means                          EUR        293,350,545.02

 Remaining other assets                 EUR          1,611,982.36

  Accruals (assets)                     EUR          1,432,210.13

  Active difference from asset

  offsetting                            EUR            179,772.23

 

LIABILITIES                             EUR        563,430,470.87

 Shareholders' equity                   EUR        362,968,293.34

  Capital                               EUR         61,156,320.00

   Subscribed capital (share capital)   EUR         61,156,320.00

  Reserves                              EUR        220,864,824.01

   Capital reserves                     EUR         11,734,542.73

   Retained earnings / revenue reserves EUR        209,130,281.28

  Balance sheet profit/loss (+/-)       EUR         80,947,149.33

   Balance sheet profit / loss          EUR         80,947,149.33

 Items between shareholders' equity and

 debt capital                           EUR                 13.83

  Allowances / bonuses                  EUR                 13.83

 Provisions                             EUR         89,684,048.30

  Pension provisions and comparable

  provisions                            EUR         49,899,972.00

  Provisions for taxes                  EUR          8,868,869.30

  Other / unspecified provisions        EUR         30,915,207.00

 Liabilities                            EUR        110,778,115.40

  Financial debts                       EUR          1,203,028.97

   Liabilities due to banks             EUR          1,203,028.97

  Other liabilities                     EUR        109,575,086.43

   Trade creditors (for IAS incl. bills

   of exchange)                         EUR         45,324,916.88

   Liabililties due to related companiesEUR         52,983,366.63

   Unspecified other liabilities        EUR         11,266,802.92

    thereof liabilities from tax /

    financial authorities               EUR          7,763,962.91

    thereof liabilities from social

    security                            EUR              2,348.96

 

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

Code (HGB)

 Sales                                  EUR        666,963,331.47

 Inventory change + own costs (+/-)     EUR          2,448,552.01

  Inventory change (+/-)                EUR           -624,502.03

  Capitalised own costs                 EUR          3,073,054.04

 Other operating income                 EUR         18,617,934.86

 Cost of materials                      EUR        370,279,426.45

  Raw materials and supplies, purchased

  goods                                 EUR        337,630,360.99

  Purchased services                    EUR         32,649,065.46

 Gross result (+/-)                     EUR        317,750,391.89

 Staff expenses                         EUR        117,644,526.48

  Wages and salaries                    EUR         97,497,925.44

  Social security contributions and

  expenses for pension plans and

  benefits                              EUR         20,146,601.04

 Total depreciation                     EUR         24,477,852.43

  Depreciation on tangible / intangible

  asssets (incl. start-up and exp. of

  bus.                                  EUR         24,477,852.43

 Other operating expenses               EUR         95,482,417.95

 Operating result from continuing

 operations                             EUR         80,145,595.03

 Result from participating interests

 (+/-)                                  EUR         24,932,569.68

  Expenses / income from participations EUR         24,932,569.68

   Income from transfer of profits      EUR         24,931,641.96

   Income from related companies        EUR                927.72

 Interest result (+/-)                  EUR           -306,758.87

  Interest and similar income           EUR          3,020,775.79

   thereof from related companies       EUR          1,111,073.59

  Interest and similar expenses         EUR          3,327,534.66

   thereof paid to related companies    EUR            412,506.84

 Other financial result                 EUR             58,652.37

  Income from securities and loans from

  financial assets                      EUR             58,652.37

 Financial result (+/-)                 EUR         24,684,463.18

 Result from ordinary operations (+/-)  EUR        104,830,058.21

 Extraordinary expenses                 EUR            639,191.00

 Extraordinary result (+/-)             EUR           -639,191.00

 Income tax / refund of income tax (+/-)EUR        -23,243,717.88

 Tax (+/-)                              EUR        -23,243,717.88

 Annual surplus / annual deficit        EUR         80,947,149.33

 

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.65.79

UK Pound

1

Rs.99.95

Euro

1

Rs.71.55

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

ASH

 

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.