MIRA INFORM REPORT

 

 

Report No. :

350254

Report Date :

24.11.2015

 

IDENTIFICATION DETAILS

 

Name :

RENTECH SINGAPORE PTE. LTD.

 

 

Registered Office :

1, North Bridge Road, 19-04/05, High Street Centre, 179094

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.2015

 

 

Date of Incorporation :

24.01.2007

 

 

Com. Reg. No.:

200701335-R

 

 

Legal Form :

Private Limited

 

 

Line of Business :

General Wholesale Trade

 

(Note: We tried to confirm obtain the details activity but the same is not available from any source.)

 

 

No. of Employees :

1 [2015]

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

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)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

 

 


 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. Unemployment is very low. The economy depends heavily on exports, particularly of consumer electronics, information technology products, medical and optical devices, pharmaceuticals, and on its vibrant transportation, business, and financial services sectors. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but has continued to grow since 2010 on the strength of renewed exports. Growth in 2014 was slower at 2.9%, largely a result of soft demand for exports amid a sluggish global economy and weak growth in Singapore’s manufacturing sector. The government is attempting to restructure Singapore’s economy by weaning its dependence on foreign labor, addressing weak productivity, and increasing Singaporean wages. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to strengthen its position as Southeast Asia's leading financial and high-tech hub. Singapore is a member of the 12-nation Trans-Pacific Partnership free trade negotiations, the Regional Comprehensive Economic Partnership negotiations with the nine other ASEAN members plus Australia, China, India, Japan, South Korea and New Zealand, and in 2015, Singapore will form, with the other ASEAN members, the ASEAN Economic Community.

 

Source : CIA

 

EXECUTIVE SUMMARY

 

 

REGISTRATION NO.

:

200701335-R

COMPANY NAME

:

RENTECH SINGAPORE PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

24/01/2007

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

1, NORTH BRIDGE ROAD, 19-04/05, HIGH STREET CENTRE, 179094, SINGAPORE.

BUSINESS ADDRESS

:

1, NORTH BRIDGE ROAD, 19-04/05, HIGH STREET CENTRE, 179094, SINGAPORE.

TEL.NO.

:

65-63372472

FAX.NO.

:

65-63374070

CONTACT PERSON

:

PAWAN SETH ( DIRECTOR )

PRINCIPAL ACTIVITY

:

GENERAL WHOLESALE TRADE

ISSUED AND PAID UP CAPITAL

:

40,804,800.00 ORDINARY SHARE, OF A VALUE OF SGD 423,349.80

SALES

:

USD 477,140 [2015]

NET WORTH

:

USD 128,286 [2015]

STAFF STRENGTH

:

1 [2015]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

STRONG

PAYMENT

:

AVERAGE

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

 

HISTORY/ BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

The Subject is principally engaged in the (as a / as an) general wholesale trade.

 

 

Share Capital History

Date

Issue & Paid Up Capital

18/11/2015

SGD 423,349.80

 

The major shareholder(s) of the Subject are shown as follows :


Current Shareholder(s) :

Name

Address

IC/PP/Loc No

Shareholding

(%)

TRIDENT INFOSOL PVT LTD

1, DEVIKA TOWER 6, NEHRU PLACE, NEW DELHI, UPPER GROUND FLOOR

T10UF0606

40,804,800.00

100.00

---------------

------

40,804,800.00

100.00

============

=====

+ Also Director



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

PAWAN SETH

Address

:

1-105, ROHAN VASANTHA APARTMENTS, MARATHAHALLI BANGALORE, 560037, INDIA.

IC / PP No

:

F9468592

Nationality

:

INDIAN

Date of Appointment

:

24/01/2007

 

DIRECTOR 2

 

Name Of Subject

:

VANGAL RANGARAJAN RANGANATHAN

Address

:

207, SERANGOON CENTRAL, 11-198, 550207, SINGAPORE.

IC / PP No

:

S2662860A

Nationality

:

SINGAPOREAN

Date of Appointment

:

24/01/2007

 

DIRECTOR 3

 

Name Of Subject

:

ASHOK GUPTA

Address

:

178, SUKHDEV VIHAR NEW DELHI, FIRST FLOOR, 110025, INDIA.

IC / PP No

:

Z2039245

Nationality

:

INDIAN

Date of Appointment

:

24/01/2007

 

DIRECTOR 4

 

Name Of Subject

:

NITIN GUPTA

Address

:

B-51, RAM ENCLAVE, P.O. CHANDER NAGAR GHAZIABAD, 201011, INDIA.

IC / PP No

:

H8753950

Nationality

:

INDIAN

Date of Appointment

:

24/01/2007



MANAGEMENT

 

 

1)

Name of Subject

:

PAWAN SETH

Position

:

DIRECTOR

 

 

 

AUDITOR

 

Auditor

:

NATARAJAN & SWAMINATHAN

Auditor' Address

:

N/A

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

VANGAL RANGARAJAN RANGANATHAN

IC / PP No

:

S2662860A

Address

:

207, SERANGOON CENTRAL, 11-198, 550207, SINGAPORE.

 

 

 

BANKING


No Banker found in our databank.

 

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

 

 

LITIGATION CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation.

No legal action was found in our databank.

No winding up petition was found in our databank.

 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A


The staff from the registered office refused to disclose the Subject's suppliers.

The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

 

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

]

Good 31-60 Days

[

]

Average 61-90 Days

[

X

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

N/A

Overseas

:

N/A


The staff from the registered office refused to disclose the Subject's clientele.

 

 

OPERATIONS

 

Goods Traded

:

GENERAL WHOLESALE TRADE

 

Total Number of Employees:

YEAR

2015


GROUP

N/A

COMPANY

1

 

Branch

:

NO

 

 

Other Information:


The Subject is principally engaged in the (as a / as an) general wholesale trade.

The staff from the registered office refused to disclose the Subject's OPERATION.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-63372472

Match

:

N/A

Address Provided by Client

:

1 NORTHBRIGE ROAD, 19-04/05 HIGH STREET CENTRE, SINGAPORE

Current Address

:

1, NORTH BRIDGE ROAD, 19-04/05, HIGH STREET CENTRE, 179094, SINGAPORE.

Match

:

YES

 

Other Investigations


We contacted one of the staff from the Subject's registered office and she only provided limited information.

She refused to disclose the Subject bankers.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Increased

[

216.87%

]

Profit/(Loss) Before Tax

:

Decreased

[

(106.98%)

]

Return on Shareholder Funds

:

Acceptable

[

10.92%

]

Return on Net Assets

:

Acceptable

[

14.88%

]

The increase in turnover could be due to the Subject adopting an aggressive marketing strategy.The management had succeeded in turning the Subject into a profit making company. The profit could be due to better control of its operating costs and efficiency in utilising its resources. The Subject's management had generated acceptable return for its shareholders using its assets.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Favourable

[

2 Days

]

Creditors Ratio

:

Favourable

[

0 Days

]

As the Subject is a service oriented company, the Subject does not need to keep stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

Liquidity

Liquid Ratio

:

Favourable

[

14.05 Times

]

Current Ratio

:

Favourable

[

14.05 Times

]

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Nil

[

0.00 Times

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject's interest cover was nil as it did not pay any interest during the year. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

The higher turnover had helped to reduce the Subject's losses. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject did not make any interest payment during the year. The Subject was dependent on its shareholders' funds to finance its business needs. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : STRONG

 

 

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators :

2010

2011

2012

2013

2014

 

Population (Million)

5.08

5.18

5.31

5.40

5.47

Gross Domestic Products ( % )

14.5

4.9

1.3

3.7

(3.5)

Consumer Price Index

2.8

5.2

4.6

2.4

2.4

Total Imports (Million)

423,221.8

459,655.1

474,554.0

466,762.0

463,779.1

Total Exports (Million)

478,840.7

514,741.2

510,329.0

513,391.0

518,922.7

 

Unemployment Rate (%)

2.2

2.1

2.0

1.9

1.9

Tourist Arrival (Million)

11.64

13.17

14.49

15.46

15.01

Hotel Occupancy Rate (%)

85.6

86.5

86.4

86.3

85.5

Cellular Phone Subscriber (Million)

1.43

1.50

1.52

1.97

1.98

 

Registration of New Companies (No.)

29,798

32,317

31,892

37,288

41,589

Registration of New Companies (%)

12.8

8.5

(1.3)

9.8

11.5

Liquidation of Companies (No.)

15,126

19,005

17,218

17,369

18,767

Liquidation of Companies (%)

(32.5)

25.6

9.4

(5.3)

8.0

 

Registration of New Businesses (No.)

23,978

23,494

24,788

22,893

35,773

Registration of New Businesses (%)

(10.78)

2.02

5.51

1.70

56.30

Liquidation of Businesses (No.)

24,211

23,005

22,489

22,598

22,098

Liquidation of Businesses (%)

2.8

(5)

(2.2)

0.5

(2.2)

 

Bankruptcy Orders (No.)

1,537

1,527

1,748

1,992

1,757

Bankruptcy Orders (%)

(25.3)

(0.7)

14.5

14.0

(11.8)

Bankruptcy Discharges (No.)

2,252

1,391

1,881

2,584

3,546

Bankruptcy Discharges (%)

(26.3)

(38.2)

35.2

37.4

37.2

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(10.5)

12.10

(0.5)

-

2.80

 

Manufacturing *

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

96.4

100.0

103.5

103.5

105.0

Textiles

122.1

100.0

104.0

87.1

74.9

Wearing Apparel

123.3

100.0

92.1

77.8

49.5

Leather Products & Footwear

81.8

100.0

98.6

109.8

95.9

Wood & Wood Products

104.0

100.0

95.5

107.4

112.0

Paper & Paper Products

106.1

100.0

97.4

103.2

103.4

Printing & Media

103.5

100.0

93.0

86.1

80.3

Crude Oil Refineries

95.6

100.0

99.4

93.5

85.6

Chemical & Chemical Products

97.6

100.0

100.5

104.1

114.0

Pharmaceutical Products

75.3

100.0

109.7

107.2

115.7

Rubber & Plastic Products

112.3

100.0

96.5

92.9

92.8

Non-metallic Mineral

92.5

100.0

98.2

97.6

82.2

Basic Metals

102.2

100.0

90.6

76.5

98.3

Fabricated Metal Products

103.6

100.0

104.3

105.1

105.1

Machinery & Equipment

78.5

100.0

112.9

114.5

124.0

Electrical Machinery

124.1

100.0

99.3

108.5

121.3

Electronic Components

113.6

100.0

90.6

94.3

95.0

Transport Equipment

94.0

100.0

106.3

107.5

103.2

 

Construction

14.20

20.50

28.70

-

22.00

Real Estate

21.3

25.4

31.9

-

145.1

 

Services

Electricity, Gas & Water

4.00

7.00

6.30

-

Transport, Storage & Communication

12.80

7.40

5.30

-

14.20

Finance & Insurance

(0.4)

8.90

0.50

-

6.00

Government Services

9.70

6.90

6.00

-

Education Services

(0.9)

(1.4)

0.30

-

5.98

 

* Based on Index of Industrial Production (2011 = 100)



INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

The wholesale and retail trade sectors have expanded by 2.0% in the third quarter of 2014, extending the 1.8 per cent growth in the previous quarter. In 2013, the wholesale and retail sector expanded by 5.0%, after declining by 1.4% the year before. Growth of the sector was driven by the wholesale trade segment.

The domestic wholesale trade index has increased by 3.2% in the fourth quarter of 2013, moderating from the 6.6% growth in the previous quarter. The slower growth was due to a decline in the sales of furniture and household equipment (-12%) and petroleum and petroleum products (-0.6%). For the full year, the domestic wholesale trade index grew by 5.2% reversing the 2.2% decline in 2012. On the other hand, the foreign wholesale trade index has increased by a slower pace of 5.6% in the fourth quarter, compared to the 7.7% expansion in the preceding quarter. The slowdown was due to a fall in the sales of telecommunication equipment and computer (-3.8%) and petroleum and petroleum products (-2.5%). For the full year, the growth of the foreign wholesale trade index moderated slightly to 8.6% from 9.1% in the previous year.

In the fourth quarter of 2013, retail sales volume fell by 6.2%, extending the 5.6% decline in the previous quarter. Excluding motor vehicles, retail sales volume increased by 0.4%, a slower pace of expansion as compared to the 1.6% gain in the preceding quarter. The sales volume of motor vehicles fell by 33% in the fourth quarter of 2013, extending the 32% decline in the previous quarter. Meanwhile, the sales of several discretionary items also fell in the fourth quarter of 2013. For instance, the sales of telecommunications apparatus and computers fell by 12%, while the sales of furniture and household equipment declined by 5.4%.

For the full year, retail sales volume contracted by 4.3%, a reversal from the 1.3% expansion in 2012. Excluding motor vehicle sales, the retail sales volume grew by 1.1% in 2013, slower than the 1.7% increase in 2012. Watches and jewellery recorded the largest increase (11%) in sales in 2013, followed by optical goods and book (3%) and medical goods and toiletries (3%). By contrast, the sales of telecommunications apparatus and computer (-7.3%), furniture and household equipment (-4.2%) and petrol service stations (-1.4) declined in 2013.

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH



CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 2007, the Subject is a Private Limited company, focusing on general wholesale trade. Having been in business for more than 5 years, the Subject has established a remarkable clientele base for itself which has contributed to its business growth. Presently, the issued and paid up capital of the Subject stands at SGD 423,350. However, with a strong backing from its shareholder, the Subject enjoys timely financial assistance should the needs arise.

Being a small company, the Subject's business operation is supported by 1 employees. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.

We noted that both the turnover and profits have increased compared to the previous year. The higher profit could be due to increase in turnover and better control over its operating costs. Return on shareholders' funds of the Subject was at an acceptable range which indicated that the management was efficient in utilising its funds to generate income. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business.

The Subject's payment habit is average. With its adequate working capital, the Subject should be able to pay its short term debts.

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry.

Based on the above condition, we recommend credit be granted to the Subject normally.

 

 

 

 

PROFIT AND LOSS ACCOUNT

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

RENTECH SINGAPORE PTE. LTD.

 

Financial Year End

2015-03-31

2014-03-31

Months

12

12

Consolidated Account

Company

Company

Audited Account

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

Financial Type

FULL

FULL

Currency

USD

USD

TURNOVER

477,140

150,581

Other Income

626

7,662

----------------

----------------

Total Turnover

477,766

158,243

Costs of Goods Sold

(325,546)

(112,866)

----------------

----------------

Gross Profit

152,220

45,377

----------------

----------------

PROFIT/(LOSS) FROM OPERATIONS

19,095

(273,529)

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

19,095

(273,529)

Taxation

(5,087)

(16,978)

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

14,008

(290,507)

----------------

----------------

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

(167,676)

122,831

----------------

----------------

As restated

(167,676)

122,831

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

(153,668)

(167,676)

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

(153,668)

(167,676)

=============

=============

 

 

 

 

 

 

 

BALANCE SHEET

 

RENTECH SINGAPORE PTE. LTD.

 

Stocks

-

1,093

Trade debtors

2,891

16,961

Other debtors, deposits & prepayments

3,979

3,979

Short term deposits

36,123

9,802

Cash & bank balances

95,122

120,165

----------------

----------------

TOTAL CURRENT ASSETS

138,115

152,000

----------------

----------------

TOTAL ASSET

138,115

152,000

=============

=============

CURRENT LIABILITIES

Trade creditors

299

3,600

Other creditors & accruals

6,038

6,123

Amounts owing to holding company

-

25,599

Amounts owing to director

3,492

2,400

----------------

----------------

TOTAL CURRENT LIABILITIES

9,829

37,722

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

128,286

114,278

----------------

----------------

TOTAL NET ASSETS

128,286

114,278

=============

=============

SHARE CAPITAL

Ordinary share capital

281,954

281,954

----------------

----------------

TOTAL SHARE CAPITAL

281,954

281,954

Retained profit/(loss) carried forward

(153,668)

(167,676)

----------------

----------------

TOTAL RESERVES

(153,668)

(167,676)

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

128,286

114,278

----------------

----------------

128,286

114,278

=============

=============

 

 

 

 

 

 

 

FINANCIAL RATIO

 

RENTECH SINGAPORE PTE. LTD.

 

TYPES OF FUNDS

Cash

131,245

129,967

Net Liquid Funds

131,245

129,967

Net Liquid Assets

128,286

113,185

Net Current Assets/(Liabilities)

128,286

114,278

Net Tangible Assets

128,286

114,278

Net Monetary Assets

128,286

113,185

PROFIT & LOSS ITEMS

Earnings Before Interest & Tax (EBIT)

19,095

(273,529)

Earnings Before Interest, Taxes, Depreciation And Amortization (EBITDA)

19,095

(273,529)

BALANCE SHEET ITEMS

Total Borrowings

0

0

Total Liabilities

9,829

37,722

Total Assets

138,115

152,000

Net Assets

128,286

114,278

Net Assets Backing

128,286

114,278

Shareholders' Funds

128,286

114,278

Total Share Capital

281,954

281,954

Total Reserves

(153,668)

(167,676)

LIQUIDITY (Times)

Cash Ratio

13.35

3.45

Liquid Ratio

14.05

4.00

Current Ratio

14.05

4.03

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

3

Debtors Ratio

2

41

Creditors Ratio

0

12

SOLVENCY RATIOS (Times)

Gearing Ratio

0

0

Liabilities Ratio

0.08

0.33

Times Interest Earned Ratio

0

0

Assets Backing Ratio

0.45

0.41

PERFORMANCE RATIO (%)

Operating Profit Margin

4.00

(181.65)

Net Profit Margin

2.94

(192.92)

Return On Net Assets

14.88

(239.35)

Return On Capital Employed

14.88

(239.35)

Return On Shareholders' Funds/Equity

10.92

(254.21)

Dividend Pay Out Ratio (Times)

0

0

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.35

UK Pound

1

Rs.100.66

Euro

1

Rs.70.47

 

INFORMATION DETAILS

 

Analysis Done by :

HEE

 

 

Report Prepared by :

NIT

 

               

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.