MIRA INFORM REPORT

 

 

Report No. :

344113  

Report Date :

12.10.2015

 

IDENTIFICATION DETAILS

 

Name :

BSB MEBEL LLC

 

 

Registered Office :

BSB Service Building, Teeverchyd Street 5, Zamchny 1, Bayangol District, P.O. Box No 182, Ulaanbaatar 14253

 

 

Country :

Mongolia

 

 

Date of Incorporation :

24.05.2010

 

 

Com. Reg. No.:

9011235059

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Trading as Importers, Wholesalers and Retailers of Office and Home Furniture.

 

 

No. of Employees :

34 (Subject)

330 Plus (Group)

 

 

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

 

Maximum Credit Limit :

TUGRIK 200,000,000

Status :

Satisfactory

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)

Mongolia

B2

B2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

MONGOLIA - ECONOMIC OVERVIEW

 

Mongolia's extensive mineral deposits and attendant growth in mining-sector activities have transformed Mongolia's economy, which traditionally has been dependent on herding and agriculture. Mongolia's copper, gold, coal, molybdenum, fluorspar, uranium, tin, and tungsten deposits, among others, have attracted foreign direct investment (FDI). Soviet assistance, at its height one-third of GDP, disappeared almost overnight in 1990 and 1991 at the time of the dismantlement of the USSR. The following decade saw Mongolia endure both deep recession because of political inaction and natural disasters, as well as strong economic growth because of market reforms and extensive privatization of the formerly state-run economy. The country opened a fledgling stock exchange in 1991. Mongolia joined the World Trade Organization in 1997 and seeks to expand its participation in regional economic and trade regimes. Growth averaged nearly 9% per year in 2004-08 largely because of high copper prices globally and new gold production. By late 2008, Mongolia was hit hard by the global financial crisis. Slower global economic growth hurt the country's exports, notably copper, and slashed government revenues. As a result, Mongolia's real economy contracted 1.3% in 2009. In early 2009, the International Monetary Fund reached a $236 million Stand-by Arrangement with Mongolia and the country emerged from the crisis with a stronger banking sector and needed reforms to the government’s fiscal management. In October 2009, Mongolia passed long-awaited legislation on an investment agreement to develop the Oyu Tolgoi (OT) mine, considered to be among the world's largest untapped copper-gold deposits. However, Mongolia's ongoing dispute with foreign investors developing Oyu Tolgoi has called into question the attractiveness of Mongolia as a destination for foreign investment. This caused a loss of investor confidence, a severe drop in FDI, and a slowing economy, leading to the dismissal of Prime Minister ALTANKHUYAG in November. The new government has made restoring investor trust and reviving the economy its top priority, but it will be challenged to unwind the monetary and fiscal stimulus programs in use since 2013 to counteract the fall in foreign investment. In December 2014 the government awarded a deal to develop the massive Tavan Tolgoi (TT) coal field to a consortium comprising Energy Resources/MCS (Mongolia), Shenhua (China), and Sumitomo (Japan); talks continue to hammer out the financing and the operating details. The economy grew more than 10% per year since 2010, largely on the strength of commodity exports to nearby countries and high government spending domestically, before slowing to 7.8% in 2014. Mongolia's economy faces near-term economic risks from the government's loose fiscal and monetary policies, which are contributing to high inflation, and from uncertainties in foreign demand for Mongolian exports. Trade with China represents nearly 62% of Mongolia's total external trade - China receives some 90% of Mongolia's exports and supplies Mongolia with more than one-third of its imports. Mongolia has relied on Russia for energy supplies, leaving it vulnerable to price increases; in 2014, Mongolia purchased nearly 90% of its gasoline and diesel fuel from Russia. A drop in FDI has put pressure on Mongolia's external finances. Remittances from Mongolians working abroad, particularly in South Korea, are significant.

 

Source : CIA

 


COMPANY REPORT

 

CO. NAME :      BSB MEBEL LLC

 

 

ADDRESS

 

Building   :                    BSB Service Building

Street      :                    Teeverchyd Street 5, Zamchny 1

Area        :                    Bayangol District

P.O. Box No.:               182

Town        :                   Ulaanbaatar 14253

Country     :                   Mongolia

Telephone   :                 (976 11) 329 090 / 315 632 / Mobiles (976 99) 112 435

                                    (Jargalsaikhan Banzar) / (976 88) 007 166 / (976  99) 043 805

Fax         :                     (976 11) 324 504 / 311 647

E-Mail      :                    jargal@bsb.mn / info@bsb.mn / baigal@bsb.mn

Also Known As :           BSB Mebel XXK / BSB Mebel Co. LTD

 

 

SENIOR COMPANY PERSONNEL

 

   Name                                                Position

 

1. Jargalsaikhan Banzar                         Chairman / Chief Executive Officer

 

2. S. Baigal                                           Financial Director

 

Total Employees :                                 34 (subject)

                                                            330 plus (group)

 

PAYMENTS

 

No complaints have been heard regarding payments from local suppliers or banks.

 

Subject is a subsidiary of BSB group, which is the leading retailer of electronics, computers, home & office furniture and bringing the best practices of the world’s leading brands. The BSB has 32% of consumer electronics, 20% of computer, and 30% of furniture market share in Mongolia. The BSB has been awarded one of the Top 50 Enterprises of Mongolia for 13 consecutive years, announced by the Government of Mongolia and the Mongolian National Chamber of Commerce and Industry. The group employs more than 330 people.

 

Association inspires confidence and we consider it is acceptable to deal with subject for MEDIUM amounts, although it is normal accepted practice for international suppliers to deal on secured terms with Mongolian importers.

 

Opinion on maximum credit : TUGRIK 200,000,000

 

Trade risk assessment : Normal

 

 

PRINCIPAL BANKERS

 

NAME     :         TRADE AND DEVELOPMENT BANK OF MONGOLIA

 

Branch   :          Khudaldaany Gudamj 7

Town     :          Ulaanbaatar

 

Telephone:        (976 11) 321 171

Fax      :            (976 11) 325 449

 

Subject also has an account with the following banks :

 

1. Golomt Bank of Mongolia

   4th Floor, Sukhbaatar Square 3

   PO Box 11

   Ulaanbaatar 210620A

   Telephone: (976 11) 311 530 / 311 971 / 326535

   Fax      : (976 11) 311 958 / 312 307

 

2. Khan Bank

   Seoul Street 25, Fourth Khoroo

   Sukhbaatar District

   Ulaanbaatar

   Telephone: (976 11) 332 333 

   Fax      : (976 70) 117 023

 

 

FINANCIAL INFORMATION

 

Private companies in Mongolia are not required to publish or

disclose balance sheets. However, the subject interviewed offered

the following information :

 

Sales Turnover               : TUGRIK 11,386,598,710 – 2013 – exact

                                     : TUGRIK  9,247,554,796 – 2014 - exact

                                     : TUGRIK 15,000,000,000 – 2015 – projected *

 

Net Profit                      : TUGRIK  2,050,301,196 – 2013 - exact

                                    : TUGRIK  1,319,606,085 – 2014 – exact

                                     : TUGRIK  1,825,386,000 – 2015 - projected

 

* Projected increase in sales turnover in 2015 is due to favorable market conditions.

 

Financial year ends 31 December.

 

The following financial information applies to BSB Services LLC, subject’s parent company :

 

Sales Turnover                          : TUGRIK 66,509,652,000 – 2012 - exact

                                                : TUGRIK 77,912,950,000 – 2013 - exact

                                                : TUGRIK 88,000,000,000 – 2014 – exact

                                                : TUGRIK 93,000,000,000 – 2015 – projected

 

Net Profit                                  : TUGRIK  6,948,334,000 – 2012 - exact 

                                                : TUGRIK 10,441,212,000 – 2013 - exact

                                                : TUGRIK 11,700,000,000 – 2014 – approx

 

Total Value Of Stock Held          : TUGRIK 48,140,000,000

 

* Projected increase in sales turnover in 2015 is due to favorable market conditions.

 

Financial year ends 31 December.

 

 

LEGAL STATUS AND HISTORY

 

Date Started : 24 May 2010

 

History : Subject was established in Ulaanbaatar on 24 May 2010 and commenced trading in July 2010.

 

C.R. No. : 9011235059 (issue date : 24 May 2010)

 

Tax Card No. : 5381908 (issue date : 9 July 2010)

 

Capital : not given

 

Limited Liability Company with the following director and shareholders :

 

Director

 

Jargalsaikhan Banzar                  

(Mongolian national)

 

Shareholders                                                     Percentage

 

1. BSB Service LLC                                                51%

   BSB Service Building

   Teeverchdyn Street 5, Zamchny 1

   Bayangol District

   P.O. Box 182

   Ulaanbaatar 14253

   Telephone: (976 11) 329 090 / 326 418 / 327 849 / 311 647

   Fax      : (976 11) 324 504 / 311 647

   E-Mail   : jargal@bsb.mn / info@bsb.mn / reception@bsb.mn

   C.R. No. : 9011107013

   Tax Card No. : 2090457 (issue date : 09/04/1996)

   Capital      : TUGRIK 2,260,000,000

   Shareholder :

   - Jargalsaikhan Banzar                   (100%)

    (Mongolian national)

 

2. Jargalsaikhan Banzar                                           49%             

  (Mongolian national)

 

Affiliated companies of BSB Mebel LLC :

 

 

Associates

 

Subject is a subsidiary of BSB Group, which also includes the following companies :

 

1. BSB Megastore LLC

   Mongolia

 

2. BSB Electronics LLC

   Mongolia

 

3. BSB Corporation LLC

   Mongolia

   Telephone: (976 11) 329 090

   Fax      : (976 11) 324 504

 

4. BSB Lux Mebel LLC

   Mongolia

 

5. BSB Trading LLC

   Mongolia

 

Former Associates :

 

1. Incomnet LLC

   Satellite connection providers.

 

2. Grape City

   Networking and software solutions providers for banks and

   government.

 

 

ACTIVITIES

 

The Company is involved in the following activities :

 

Trading as importers, wholesalers and retailers of office and home furniture.

 

NACE Codes : 4615 / 4647 / 4665 / 4759

 

Imports from Singapore, Malaysia, China and Poland.

 

Subject does not export, all sales are domestic.

 

 

FACILITIES

 

The Company has the following facilities :

 

Owned premises comprising administrative offices located at the heading address as well as 7 showrooms located elsewhere in Ulaanbaatar, Darkhan Uul Aimag and Erdenet (see ‘Branch Offices’ below).

 

 

BRANCH OFFICES

 

1. BSB Megastore

   Chinggis Avenue

   Khan Uul District, 2nd Khoroo

   Ulaanbaatar

   Telephone: (976 70) 008 994

   Fax      : (976 70) 008 994

 

2. BSB Megastore

   Bayangol District, 4th Khoroolol

   Ulaanbaatar  

   Telephone: (976 11) 304 724 

   Fax      : (976 11) 360 833

 

3. BSB Megastore - Amankhuur

   Namiyan Ju Street

   Bayanzurkh District

   Ulaanbaatar   

   Telephone: (976 77) 020 019  

 

4. BSB Misheel

   Misheel Exhibition Center

   Chinggis Avenue

   Khan Uul District

   Ulaanbaatar   

   Telephone: (976 70) 110 441

 

5. BSB Superstore - Tavan Shar

   Songinokhairkhan District, 18th Khoroo

   Ulaanbaatar   

   Telephone: (976 70) 171 880

 

6. BSB Superstore - Darkhan

   Darkhan Soum, 10th Team

   Darkhan Uul Aimag

   Telephone: (976 70) 378 008

 

7. BSB Superstore - Erdenet

   Central Shopping Center, 1st Floor

   Erdenet

   Telephone: (976 70) 355 722

 

 

SPECIAL NOTES

 

The postal code given by you : “10628” is incorrect. Please note that the correct postal code is as per heading.

 

Interviewed : Jargalsaikhan Banzar (Chairman / Chief Executive Officer).

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.64.78

UK Pound

1

Rs.99.54

Euro

1

Rs.73.08

 

 

INFORMATION DETAILS

 

Analysis Done by :

KIN

 

 

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%)

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.