MIRA INFORM REPORT

 

 

Report No. :

346884

Report Date :

28.10.2015

 

IDENTIFICATION DETAILS

 

Name :

COSMO CHEMICAL CO., LTD

 

 

Registered Office :

43, Banpo-daero, Seocho-gu, Seoul

 

 

Country :

South Korea

 

 

Financials (as on) :

06.30.2015

 

 

Date of Incorporation :

02.12.1968

 

 

Com. Reg. No.:

105-81-33052

 

 

Legal Form :

Listed Company

 

 

Line of Business :

Subject is manufacture of all other chemical products

 

 

No. of Employee :

400

 

 

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 :

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)

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 economic 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. A system of close government and business ties, including directed credit and import restrictions, initially 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 7% 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 over 6% growth in 2010. The US-Korea Free Trade Agreement was ratified by both governments in 2011 and went into effect in March 2012. Between 2012 and 2014, the economy experienced slow growth due to sluggish domestic consumption and investment. The administration in 2015 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 the heavy reliance on exports, which comprise about half of GDP. In an effort to address the long term challenges and sustain economic growth, the current government has prioritized structural reforms, deregulation, promotion of entrepreneurship and creative industries, and the competitiveness of small and medium enterprises.

 

Source : CIA

 

 

Company name

 

COSMO CHEMICAL CO., LTD

 

 

Basic Information

 

Basic

 

Company Name

COSMO CHEMICAL CO., LTD.

(Korean Company Name : “코스모화학()”)

Registered Address

43, Banpo-daero, Seocho-gu, Seoul, Korea

Building

 

Zip Code

137-872

Tel

+82-32-451-6100

Fax

+82-32-451-6119

E-mail

shim@cosmochem.co.kr

Website

www.cosmochem.co.kr

Trading Address

43, Banpo-daero, Seocho-gu, Seoul, Korea

(Old Address System : 1534-5, Seocho 3-dong, Seocho-gu, Seoul, Korea)

Tel

+82-32-451-6100

Fax

+82-32-451-6119

Other Address-Incheon Factory

6, Gaseok-ro, Seo-gu, Incheon 404-812 Korea

(Old Address System : 556-1, Gajwa-dong, Seo-gu, Incheon 404-812 Korea)

Tel

+82-32-451-6200

Fax

+82-32-451-6226

Other Address-Onsan Factory

891, Wonsan-ri, Onsan-eup, Ulju-gun, Ulsan, Korea

Tel

+82-52-231-6712~5

Fax

+82-52-237-2104

Type

Export/Import

Industry

Manufacture of All Other Chemical Products

  Main Business

Titanium Dioxide, Titanium Oxide

  Sub Business

 

Established (mm/dd/yyyy)

02/12/1968

The Subject owns the premises of Incheon Factory and Onsan Factory.

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Titanium dioxide(12171604)

 

 

CEO’s

 

Name

Sung Jun-Kyung

Address

-

Date of Birth

01/1961

Title

President & CEO

Sex

Male

Nationality

Korean

 

 

Profiles

 

Capital (KRW)

66,642,220,000

Employees

400

Formation

Listed Company (Korea Stock Exchange: 005420 ) as of 07/24/1987

A Company of GS Business Group

Bank Details

S.C First Bank of Korea-Dohwa Dong Branch

Shinhan Bank

KEB Hana Bank

Gyungnam Bank

Corporate Registered No.

110111-0152738

Business Registered No.

105-81-33052

Permit & Licenses

12/19/2001 ISO 9001

09/2006 ISO 14001

 

Int’l Trade No.: 438311

Shareholder Position

Name

Shares

%

COSMO TURNAROUND LIMITED(110114-0164141)

4,517,374

33.89

KDB CAPITAL CORPORATION(110111-0137558)

1,000,000

7.50

FRANKLIN TEMPLETON INVESTMENT TRUST MANAGEMENT CO.,LTD.(110111-0566773)

442,164

3.32

OTHERS

7,368,906

55.29

TOTAL

13,328,444

100.00

Company History

09/2006 Acquired ISO 14001:2004

03/2006 Head office moved to Cosmo building in Seoul

04/2005 GS group incorporated Cosmo chemical

01/2005 KA-200 Product Development

02/2004 Inauguration CEO Jae-Hyun, Back

07/2003 Changed the trade name to Cosmo Chemical Co., Ltd. and announced “The Second Establishment of the Company”

06/2003 Registered as the largest shareholder in Cosmo Industry Co., Ltd.

07/2002 KA-300 Product Development

12/2001 Acquired ISO 9001

06/1999 Operation Onsan Factory

11/1995 Won the 50 Million Export Award

06/1990 The Building Permit of Onsan Factory

01/1987 Completion New-Ceramic Research Center

07/1987 Listed in Korea Stock Exchange

11/1985 Won the 7 Million Export Award

01/1980 Completion Factory Enlargement Construction 1,000M/T a Month

06/1971 Completion Incheon Factory

01/1971 Changed the Firm name to Hankook Titanium Industry Co., Ltd.

03/1968 Technical alliance with Japan Jitan Industrial Co., Ltd.

02/1968 KA-100 Product Manufacturing

02/1968 Established Korea Jitan Industrial Co., Ltd.

 

 

Detailed Information

 

Management

 

Job Description

Title

Name

Sex

Date of Birth

Education

President & CEO

Mr.

Sung Jun-Kyung

Korean

1961.01

Youngnam University, Korea

Sr. Executive Director & CFO

Mr.

Kim Chang-Soo

Korean

1963.08

Yonsei University, Korea

Executive Director

Mr.

Jung Chan-Woo

Korean

1961.03

Chungnam National University, Korea

Director

Mr.

Ahn Sung-Duck

Korean

1956.05

Aju University, Korea

Outside Director

Mr.

Kim Sun-Ki

Korean

1949.11.20

Seoul National University, Korea

Outside Director

Mr.

Yoon Ki-Jong

Korean

1955.03.07

Seoul National University, Korea

Outside Director

Mr.

Kim Woo-Yeol

Korean

1956.11

Tokyo Technical College, Japan

Outside Director

Mr.

Park Hee-Gap

Korean

1955.02

Busan National University, Korea

 

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

(*)06/2015

61,123,644,406

531,163,228,055

-10,119,358,114

(*)2014

136,173,515,024

558,677,059,541

-43,966,549,087

(*)2013

162,610,083,279

513,672,333,987

3,517,840,055

(*)2012

180,206,641,655

499,545,376,305

-4,974,083,389

2011

172,362,820,557

527,599,742,901

14,009,755,698

2010

124,716,323,966

434,697,330,834

30,909,429,018

2009

110,563,823,762

344,800,742,063

2,215,584,933

2008

103,633,429,228

355,162,352,763

-4,839,976,985

2007

86,532,948,911

159,852,368,906

-17,557,348,588

2006

75,589,485,141

162,600,789,392

-25,672,824,529

2005

71,850,382,047

167,703,584,113

777,761,918

2004

69,695,899,720

160,817,254,026

-34,598,411,728

2003

65,089,347,760

175,939,224,137

33,489,491,663

(*)Figures are based on the K-IFRS Accounting System.

 

 

Financial Description

 

Authorized Capital(KRW)

200,000,000,000

Paid-Up Capital(KRW)

66,642,220,000

Total Issued Shares

13,328,444

 

 

 

Balance Sheet

 

Unit : Korean Won

01/01/2015~06/30/2015

As of 12/31/2014

As of 12/31/2013

Total Assets

531,163,228,055

558,677,059,541

513,672,333,987

Current Assets

96,085,047,754

110,068,347,419

121,514,943,262

Cash & Cash Equivalents

1,298,539,172

2,217,791,120

943,335,393

Current Financial Instruments

7,008,791,929

6,824,138,245

8,072,000,000

Trade Receivables & Other Receivables

46,568,564,449

45,172,352,922

47,915,030,422

Inventories

36,074,863,798

42,765,412,637

55,703,160,731

Other Current Assets

5,134,288,406

6,477,102,495

8,881,416,716

Non-Current Assets to be Sold

 

6,611,550,000

 

Non-Current Assets

435,078,180,301

448,608,712,122

392,157,390,725

Marketable Financial Instruments

495,846,709

3,423,846,709

6,129,538,767

Investment_Subsidiaries

13,512,375,800

13,512,375,800

13,512,375,800

Investment_Related Companies

4,322,968,350

4,322,968,350

6,553,113,452

Tangibles

414,671,504,902

424,310,839,723

362,493,941,694

Intangibles

1,539,230,040

2,561,230,040

3,097,685,512

Other Non-Current Assets

536,254,500

477,451,500

370,735,500

Total Liabilities

327,486,485,131

346,639,882,742

289,286,382,595

Current Liabilities

233,709,651,646

242,577,620,335

194,782,691,163

Trade Payables & Other Payables

68,847,436,223

72,033,002,953

32,856,765,865

Short-Term Borrowings

136,756,972,557

137,723,167,069

136,713,041,962

Current Portion of Long-Term Debts

16,413,800,000

16,009,850,000

15,649,970,000

Current Portion of Account Payables

5,856,586,845

5,676,826,384

3,399,166,630

Deferred Income Tax Credit

 

 

49,748,574

Other Current Liabilities

5,834,856,021

11,134,773,929

6,113,998,132

Non-Current Liabilities

93,776,833,485

104,062,262,407

94,503,691,432

Long-Term Borrowings

8,566,750,000

13,561,150,000

23,496,000,000

Bond with Warrants

11,407,608,376

14,494,093,257

26,565,787,294

Convertible Bonds

8,813,796,944

8,523,018,694

 

Long-Term Account Payables

7,580,062,808

10,591,071,499

5,084,854,676

Leasehold Deposits

2,233,173,439

2,201,869,074

 

Provisions

584,926,690

527,784,200

336,824,118

Deferred Income Tax Credit

45,772,839,940

46,819,744,346

37,545,441,818

Provision for Severance & Retirement

8,817,675,288

7,343,531,337

1,474,783,526

Capital Stock

66,642,220,000

65,510,795,000

65,510,795,000

Capital Surplus

25,358,023,312

25,297,730,037

23,928,234,555

Capital Adjustment

-177,049,855

-177,049,855

-177,049,855

Others

162,285,523,425

165,997,275,407

133,101,677,636

Profit Surplus

-50,431,973,958

-44,591,573,790

2,022,294,056

Total Equity

203,676,742,924

212,037,176,799

224,385,951,392

Liab. & Shareholder’s Equity

531,163,228,055

558,677,059,541

513,672,333,987

 

 

Income Statement

 

Unit : Korean Won

01/01/2015~03/31/2015

As of 12/31/2014

As of 12/31/2013

Sales

61,123,644,406

136,173,515,024

162,610,083,279

Cost of Sold Goods

66,351,323,517

143,599,518,546

154,104,185,847

Gross Profit

-5,227,679,111

-7,426,003,522

8,505,897,432

Selling & Admin. Expenses

7,940,592,529

15,498,145,321

19,674,879,245

Operating Income

-13,168,271,640

-22,924,148,843

-11,168,981,813

Finance Income

1,504,890,178

3,704,301,018

3,994,790,584

Finance Expenses

6,672,722,839

24,463,919,017

13,564,369,022

Other Income

8,449,817,598

251,746,025

25,068,366,060

Other Expenses

233,071,411

534,528,270

169,234,285

Income Before Taxes

-10,119,358,114

-43,966,549,087

4,160,571,524

Income Taxes Expenses

 

 

642,731,469

Income from Continuous Business

-10,119,358,114

-43,966,549,087

3,517,840,055

Income from Stopped Business

 

 

 

Net Income

-10,119,358,114

-43,966,549,087

3,517,840,055

 

 

Cash Flows

 

Unit : Korean Won

01/01/2015~03/31/2015

As of 12/31/2014

As of 12/31/2013

Operating Activities Cash Flows

-5,618,963,170

53,849,258,057

23,420,276,153

Cash Flows from Operating

-1,151,742,584

61,930,030,779

32,850,537,483

-Net Income

-10,119,358,114

-43,966,549,087

3,517,840,055

-Exp. without Cash Outflow

19,138,120,665

46,462,411,659

34,384,614,907

-Revenue without Cash Inflows

-8,451,867,579

-2,641,231,005

-27,351,759,738

-Changes in Asset/ & Liability

-1,718,637,556

62,075,399,212

22,299,842,259

Interests Received

11,563,574

544,021,120

289,275,645

Interests Paid

-4,606,198,366

-9,197,692,779

-9,488,523,254

Income Taxes

127,414,206

572,898,937

-231,013,721

Cash Flows from Investing

16,566,639,124

-47,090,105,300

-19,851,597,647

Cash Inflow from Investing

18,243,291,462

7,497,419,511

52,198,326,269

Cash Outflows for Investing

-1,676,652,338

-54,587,524,811

-72,049,923,916

Cash Flows from Financing

-11,821,036,486

-5,448,563,356

-3,123,991,077

Cash Inflows from Financing

71,914,760,701

204,333,431,672

207,688,149,458

Cash Outflows from Financing

-83,735,797,187

-209,781,995,028

-210,812,140,535

Increase/Decrease in Cash

-919,251,948

1,274,455,727

339,211,298

Cash at the Beginning of Year

2,217,791,120

943,335,393

604,124,095

Cash at the End of Year

1,298,539,172

2,217,791,120

943,335,393

 

 

Products, Technologies, Services Description

 

Main Products & Services

TiO2 is very stable material in physical and chemical terms and has superior coverage and staining power because it has the highest refractive index among white pigments and accurate particle sizes and dispensability. It is used to remove gloss from chemical textiles and improve abrasion resistance of chemical textiles as well as for pigment. Moreover, it is widely used in various areas such as electronic materials, TV brawn tubes and welding rod coverings using electronic characteristics.

 

TiO2

Environment & Construction Materials

Ferrous Sulfate

Poly Ferric Sulfate Solution

Ferrous Sulfate Solution

HISOL

Gypsum

 

Brand Name: COTIOX, COCOS

Detailed Products Spec.

 

Technologies Acquired

 

 

 

Trade Partners & Competitors

 

Suppliers

COSMO CORPORATION CO., LTD.(110111-2559354)

COSMO FINE CHEMICALS CO.,LTD.(110111-0531205)

Customers

COSMO FINE CHEMICALS CO.,LTD.(110111-0531205)

CHEMTECH INTERNATIONAL CO., LTD.(110111-1967730)

Competitors

WE INTERNATIONAL CO., LTD.

RM. 1402, BYEOKSAN GWANGHWAMUN SIDAE OFFICETEL, 74, NAESU-DONG, JONGNO-GU, SEOUL, KOREA

TEL:+82-2-2195-4281~3  FAX:+82-2-2185-4280

 

TMC CO., LTD.

NAJEON INDUSTRIAL COMPLEX, 554-5, NAJEON-RI, SAENGNIM-MYEON, GIMHAE-SI, GYEONGSANGNAM-DO, KOREA

TEL:+82-55-323-3663  FAX:+82-55-323-3687

 

NANO CO., LTD.

1108-1, BONGGOK-RI, SABONG-MYEON, JINJU-SI, GYEONGSANGNAM-DO, KOREA

TEL:+82-55-762-8887  FAX:+82-55-755-6755

 

 

Related Parties (Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates-Domestic

 

GS HOLDINGS CORP. (110111-3045112)

GS HOME SHOPPING INC. (110111-1111444)

GS CALTEX OIL CORPORATION (110111-0078819)

GS ENGINEERING & CONSTRUCTION CORPORATION (110111-0002694)

GS POWER (134111-0074744)

HAEYANG CITY GAS. CO., LTD (200111-0004906)

SEORABEOL CITY GAS CO.,LTD (171211-0024180)

OIL CHAIN CORPORATION (110111-2194754)

GS FUELCELL CO.LTD. (160111-0108202)

GS RETAIL (110111-0090037)

GSWATSONS (110111-3136474)

KOREA CABLE TV ULSAN STATION (181211-0045481)

GS TELESERVICE (110111-2618192)

GS SPORTS.LTD (110111-3024330)

HAMOO DEVELOMET CO., LTD (110111-0411142)

XI SERVICE (110111-3141720)

SAMYANG INT'L CO., LTD. (110111-0424848)

BOHEUN DEVELOPMENT CO., LTD. (110111-1557573)

CHEMTECH INTERNATIONAL CO., LTD.(110111-1967730)

OKSAN DISTRIBUTION (110111-1426108)

S M COMPANY., LTD (110111-1308124)

GS NEOTEK (110111-0166953)

EZVILLE,INC. (110111-1934557)

CENTRAL MOTORS CORP. (131111-0101912)

SUNGSAN GROUP CORPORATION (110111-0110653)

SLS LTD (110111-1632424)

SUNGSAN LEISURE INC (141111-0022893)

YEOSU-WHAMUL INC (204714-0001033)

COSMO FINE CHEMICALS CO.,LTD.(110111-0531205)

COSMO INDUSTRIAL CO.LTD (150111-0077722)

SMARTRO CO.,LTD (110111-1536189)

COSMO & COMPANY CO., LTD. (110111-0298243)

COSMO INET (110111-2559362)

ISURF INC. (110111-2197047)

LANDMARK ASIA, INC. (110111-2219411)

MARUMAN KOREA (131111-0093953)

ESTECH ESTIMATE CORP. (110111-3253583)

NEXTATION.CO.,LTD. (110111-2123571)

UIJEONGBU LIGHT RAIL TRANSIT CO., LTD (280111-0071743)

STSLOGISTICS INC. (110111-1999197)

GS EPS CO., LTD.(165011-0004621)

KANGNAM CABLE SYSTEM INC. (110111-1009780)

ITMEXSYI (110111-3451731)

GLS SERVICE CORP. (110111-3532846)

XEBIO KOREA CO., LTD.(110111-4853035)

 

COSMO CORPORATION CO., LTD.(110111-2559354)

(33.0% held by the subject company)

 

COSMO ADVANCED MATERIALS & TECHNOLOGY CO., LTD.(120111-0018251)

(42.0% held by the subject company)

 

MARUMAN KOREA CO., LTD.(131111-0093953)

(30.0% held by the subject company)

 

 

Affiliates-Overseas

 

GS CALTEX SINGAPORE PTE.(SINGAPORE)

GS E&C ITALY S.R.(ITALY)

GS E&C (NANJING) CO. LTD.(CHINA)

GS E&C POLAND SP.Z.O.O.(POLAND)

CHONGQING GS SHOPPING INC.(CHINA)

SAMHO CO. LTD.(VIETNAM)

SAMMA CORP.(PHILLIPPINES)

FARWEST STEEL CO.(USA)

GS AROMATICS PTE.(SINGAPORE)

LIDONG CHEMICAL CO. LTD.(CHINA)

GS-HP SUNFLOWER INTERNATIONAL VILLAGE CORP.(VIETNAM)

LANDMARK GLOBAL INC.(USA)

WESTERN COATING INC.(USA)

QINGDAO LIXING LOGISTICS CO., LTD.(CHINA)

GS E&C THAI CO., LTD.(THAILAND)

FRONTIER NEMTWO(MALAYSIA)

FRONTIER WOKAM(MALAYSIA)

GS E&C INDIA PRIVATE LTD.(INDIA)

GS CU CHI DEVELOPMENT CO. LTD.(VIETNAM)

COSMO VIETNAM CO., LTD.(VIETNAM)

GS CONSTRUCTION (ARABIA) LIMITED(SAUDI ARABIA)

GS NHA BE DEVELOPMENT ONE-MEMEBER LLC.(VIETNAM)

GS CALTEX(QINGDAO) ENERGY CO., LTD.(CHINA)

GS RETAIL VIETNAM CO., LTD.(VIETNAM)

COSMO RUS, LLC(RUSSIA)

MK INTERNATIONAL(JAPAN)

GS NEOTEK VIETNAM CO., LTD.(VIETNAM)

GS SAIGON DEVELOPMENT ONE-MEMBER LLC.(VIETNAM)

SLEEP METHODS, INC.(USA)

COSMO CHINA INVESTMENT CO., LTD.(CHINA)

GS CALTEX(JINAN) ENERGY CO., LTD..(CHINA)

GS (CAMBODIA) DEVELOPMENT CO., LTD.(CAMBODIA)

GS GLOBAL BIO CO., LTD.(CAMBODIA)

GS AROMATICS (QINGDAO) CHEMICAL CO., LTD.(CHINA)

GS CALTEX (YANTAI) ENERGY CO., LTD.(CHINA)

 

Overseas Office

 

Liaison Office

 

Overseas Branch

 

Joint Venture

 

Subsidiary

COSMO ADVANCED MATERIALS & TECHNOLOGY CO., LTD.(120111-0018251)

(39.2% held by the subject company)

Corporate Ownership

 

Major Shareholders

 

Cooperative Enterprise

 

 

 

Sales by Region (Activity & Markets)

 

The Subject imports raw materials from India and Vietnam, and exports USA, Japan, Europe and South-East Countries. 65% out of total sales accounts for exporting and 35% is for domestic sales.

Court Action

 

No.

 

 

News Clipping

 

-------

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.64.96

UK Pound

1

Rs.99.73

Euro

1

Rs.71.84

 

INFORMATION DETAILS

 

Analysis Done by :

HEE

 

 

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

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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.