MIRA INFORM REPORT

 

 

Report No. :

340919

Report Date :

11.09.2015

 

IDENTIFICATION DETAILS

 

Name :

DOOSAN ENGINE CO., LTD.

 

 

Registered Office :

18, Gongdan-ro 21beon-gil, Seongsan-gu, Changwon-si, Gyeongsangnam-do, Korea, 51561

 

 

Country :

South Korea

 

 

Financials (as on) :

30.06.2015

 

 

Date of Incorporation :

30.12.1999

 

 

Com. Reg. No.:

609-81-40128

 

 

Legal Form :

Listed Company

 

 

Line of Business :

Manufacture of Internal Combustion Piston Engines

 

 

No. of Employees :

986

 

 

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 :

Exist

 

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

 


Basic Information

 

Company Name

DOOSAN ENGINE CO., LTD.

(Korean Company Name : “두산엔진()”)

Registered Address

18, Gongdan-ro 21beon-gil, Seongsan-gu, Changwon-si, Gyeongsangnam-do, Korea

Building

 

Zip Code

51561

Tel

+82-55-260-6000

Fax

+82-55-282-0588

E-mail

wookyu.kim@doosan.com;humjin.baek@doosan.com

Website

www.doosanengine.com

Trading Address

18, Gongdan-ro 21beon-gil, Seongsan-gu, Changwon-si, Gyeongsangnam-do, Korea

(Old Address System : 69-3, Sinchon-dong, Changwon-si, Gyeongsangnam-do, Korea)

Tel

+82-55-260-6000

Fax

+82-55-282-0588

Other Address-Geoje Office

1, Aju-dong ,Geoje-si, Gyeongsangnam-do, Korea

Tel

+82-55-682-2261

Fax

+82-55-681-7427

Other Address-Busan Office

29, Bongnae-dong 5-ga ,Yeongdo-gu, Busan, Korea

Tel

+82-51-417-1388

Fax

+82-51-410-8621

Type

Export

Industry

Manufacture of Internal Combustion Piston Engines

  Main Business

Diesel Engine, Diesel Power Generation, Ocean Plant Materials, Environment Pollution Protection Equipment

  Sub Business

 

Established (mm/dd/yyyy)

12/30/1999

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Engines(26101500)

Sell

Diesel power plants(26131501)

Sell

Crankshaft

Sell

Turbocharger

 

 

CEO’s

 

Name

Kim Dong-Cheol

Address

 

Date of Birth

06/27/1952

Title

President & CEO

Sex

Male

Nationality

Korean

 

 

Profiles

 

Capital (KRW)

69,500,000,000

Employees

986

Formation

Listed Company (Korea Stock Exchange : 082740) as of 01/05/2011

A Company of DOOSAN GROUP

Bank Details

KEB Hana Bank-Changwon Branch

Corporate Registered No.

194211-0038423

Business Registered No.

609-81-40128

Permit & Licenses

Int’l Trade No.: 24023803

Shareholder Position

Name

Shares

%

DOOSAN HEAVY INDUSTRIES & CONSTRUCTION CO.,LTD(194211-0000943)

29,650,000

42.66

SAMSUNG HEAVY INDUSTRIES CO.,LTD(110111-0168595)

9,815,000

14.12

DAEWOO SHIPBUILDING & MARINE ENGINEERING CO., LTD.(110111-2095837)

5,600,000

8.06

EMPLOYEE STOCK OWNERSHIP ASSOCIATION

1,302,986

1.87

OTHERS

23,132,014

33.28

TOTAL

69,500,000

100.00

Company History

The engine business of Doosan Heavy Industries & Construction (former Hanjung), launched in 1983 and that of Samsung Heavy Industries, launched in 1994 were merged. In the merging process, Daewoo Shipbuilding & Marine Engineering joined this new company as a major shareholder. On January 1, 2000, Doosan Engine was officially set up under the banner of Doosan with the first initial letters of these three companies(HSD ENGINE CO., LTD.)

 

12/30/1999 Incorporated as HSD ENGINE CO., LTD.

03/31/2005 Changed company name to the present name

11/2005 Awarded US$500 Million Export Top Prize

11/2007 Awarded 1Billion Export Top Prize

12/29/2009 Increased capital to 62,500,000,000 KRW from 30,000,000,000 KRW

 

 

 

 

Detailed Information

 

Management

 

Job Description

Title

Name

Nationality

Date of Birth

Education

President & CEO

Mr.

Kim Dong-Cheol

Korean

1952.06.27

Seoul National University, Korea

Executive Director

Mr.

Cho Yong-Joon

Korean

1963.11.

Youngnam University, Korea

Executive Director

Mr.

Sunwoo Myung-Hwan

Korean

1955.11.

Kyungnam University, Korea

Vice President & CFO

Mr.

Jang Myung-Ho

Korean

1964.02.07

Gyungbuk National Uiniversity, Korea

Outside Director / Auditor

Mr.

Oh Se-Jong

Korean

1943.06.08

UC Berkley, USA

Outside Director

Mr.

Jung Koo-Young

Korean

1938.11.12

Yonsei University, Korea

Outside Director / Auditor

Mr.

Yoon Yong-Seok

Korean

1954.10.

George Washington University, USA

Outside Director

Mr.

Lee Jae-Young

Korean

1965.12.

Washington University, USA

Outside Director

Mr.

Song Ho-Geun

Korean

1956.01.

Harvard University, USA

 

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

(*)06/2015

309,083,723,159

1,415,048,176,896

-18,248,868,586

(*)2014

887,764,719,542

1,469,042,556,167

-31,056,427,706

(*)2013

743,104,362,158

1,538,917,384,654

-6,151,839,103

(*)2012

1,377,618,958,445

1,672,968,308,719

54,366,505,061

(*)2011

2,005,949,262,462

2,051,480,611,768

209,636,479,757

(*)2010

1,831,615,390,618

2,229,611,103,972

266,059,737,115

2009

1,772,597,107,485

2,464,900,272,093

-249,695,256,019

2008

1,734,836,578,853

3,138,764,982,205

-512,779,968,953

2007

1,221,957,444,340

1,857,689,988,086

103,001,092,083

2006

1,016,816,117,889

 934,211,090,107

52,418,002,030

2005

756,782,214,023

737,005,633,136

21,111,237,395

2004

588,395,875,988

637,788,986,998

3,111,534,708

2003

468,249,817,815

336,826,737,075

11,783,531,830

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

 

 

Financial Description

 

Authorized Capital(KRW)

120,000,000,000

Paid-Up Capital(KRW)

69,500,000,000

Total Issues Shares

69,500,000

 

Balance Sheet

Unit : Korean Won

01/01/2015~06/30/2015

As of 12/31/2014

As of 12/31/2013

Total Assets

1,415,048,176,896

1,469,042,556,167

1,538,917,384,654

Current Assets

390,215,565,732

432,289,553,017

486,070,488,542

Cash & Cash Equivalents

9,137,839,601

40,970,489,949

41,258,747,154

Current Financial Instruments

17,330,000,000

37,810,000,000

145,000,000,000

Marketable Financial Instruments

 

7,000,000,000

 

Short-Term Receivables

1,028,650,000

1,100,900,000

9,155,850,000

Trade Receivables & Other Receivables

45,045,960,499

73,073,305,809

25,511,680,236

Other Receivables-Construction

13,619,509,712

12,999,974,380

10,720,649,184

Deferred Income Tax Assets

717,977,732

1,059,722,158

1,136,878,000

Derivatives

568,839,043

2,489,829,322

40,237,290,875

Confirmed Agreement Appraisal Assets

56,675,415,731

41,236,094,869

20,346,022,821

Inventories

237,223,137,096

197,396,445,146

176,548,148,458

Other Current Assets

8,868,236,318

17,152,791,384

16,155,221,814

Non-Current Assets

1,024,832,611,164

1,036,753,003,150

1,052,846,896,112

Non-Current Financial Instruments

1,940,168,551

1,934,858,690

1,803,167,918

Marketable Financial Instruments

72,048,000

72,048,000

7,072,048,000

Investment_Related Companies

363,994,143,560

363,994,102,690

363,994,102,690

Long-Term Receivables

2,589,272,728

3,116,039,530

4,753,397,044

Other Long-Term Receivables

10,335,002,791

10,701,073,220

9,693,320,091

Tangibles

577,732,637,735

587,007,566,603

606,336,556,559

Intangibles

48,532,095,139

41,679,003,150

24,908,539,891

Derivatives

649,643,690

722,321,724

6,095,491,976

Confirmed Agreement Appraisal Assets

16,440,885,601

25,860,296,653

26,435,478,337

Other Non-Current Assets

2,546,713,369

1,665,692,890

1,754,793,606

Total Liabilities

787,230,057,043

823,023,434,772

858,981,797,869

Current Liabilities

458,777,116,283

513,205,062,339

527,886,844,781

Trade Payables & Other Payables

122,677,915,031

124,770,714,634

85,188,695,183

Other Payables-Construction

13,905,197,691

14,568,457,756

3,773,450,411

Short-Term Borrowings

15,000,000,000

3,857,092,800

 

Advance Receipts

251,391,391,450

271,795,996,146

321,968,490,284

Current Portion of Long-Term Debts

 

50,000,000,000

63,318,000,000

Deferred Income Tax Credit

 

 

3,822,392,136

Derivatives

23,188,151,784

14,866,327,518

2,615,663,130

Confirmed Agreement Appraisal Debts

17,985,916,627

14,768,025,920

34,731,375,957

Finance Guarantee Debts

46,701,697

73,636,042

34,344,231

Provisions

2,956,346,325

1,916,319,087

 

Other Current Liabilities

11,625,495,678

16,588,492,436

12,434,433,449

Non-Current Liabilities

328,452,940,760

309,818,372,433

331,094,953,088

Long-Term Borrowings

75,000,000,000

45,000,000,000

50,000,000,000

Debentures

189,370,148,573

189,259,736,473

189,044,616,891

Other Long-Term Borrowings

2,877,512,141

1,918,290,120

1,112,640,295

Confirmed Salaries

13,510,442,954

11,865,665,028

10,608,946,661

Derivatives

7,430,525,737

7,306,319,851

279,647,734

Confirmed Agreement Appraisal Debts

5,547,443,286

13,108,076,384

21,394,738,642

Finance Guarantee

4,199,498,301

4,581,819,663

2,942,780,895

Provisions

1,734,908,117

1,949,715,661

10,097,900,058

Deferred Income Tax Credit

28,782,461,651

34,828,749,253

45,613,681,912

Capital Stock

69,500,000,000

69,500,000,000

69,500,000,000

Capital Surplus

367,214,701,425

367,214,701,425

367,214,701,425

Others

598,026,329

550,159,285

355,389,958

Other General Accumulated Amounts

36,190,732,192

36,207,539,902

36,207,539,902

Profit Surplus

154,314,659,907

172,546,720,783

206,657,955,500

Total Equity

627,818,119,853

646,019,121,395

679,935,586,785

Liab. & Shareholder’s Equity

1,415,048,176,896

1,469,042,556,167

1,538,917,384,654

 

Income Statement

Unit : Korean Won

01/01/2015~06/30/2015

As of 12/31/2014

As of 12/31/2013

Sales

309,083,723,159

887,764,719,542

743,104,362,158

Cost of Sold Goods

306,684,587,892

886,270,246,080

691,062,379,511

Gross Profit

2,399,135,267

1,494,473,462

52,041,982,647

Selling & Admin. Expenses

20,267,051,882

39,904,780,646

50,103,470,238

Operating Income

-17,867,916,615

-38,410,307,184

1,938,512,409

Finance Income

39,050,678,528

91,160,334,537

100,716,557,461

Finance Expenses

45,900,491,873

93,987,658,722

104,139,106,746

Other Non-Operating Income

4,166,626,696

1,960,947,370

4,932,998,497

Other Non-Operating Expenses

3,744,052,924

2,688,873,049

8,682,574,295

Income Before Taxes

-24,295,156,188

-41,965,557,048

-5,233,612,674

Income Taxes Expenses

-6,046,287,602

-10,909,129,342

918,226,429

Net Income

-18,248,868,586

-31,056,427,706

-6,151,839,103

 

Cash Flows

Unit : Korean Won

01/01/2015~06/30/2015

As of 12/31/2014

As of 12/31/2013

Operating Activities Cash Flows

-42,674,647,806

-82,341,543,086

-55,321,566,926

Cash Flows from Operating

-39,360,219,313

-74,163,646,496

-32,633,243,128

Net Income

-18,248,868,586

-31,056,427,706

-6,151,839,103

Adjustment

15,573,882,912

24,071,126,445

3,596,792,680

Changes in Asset/ & Liability

-36,685,233,639

-67,178,345,235

-30,078,196,705

Interests Received

1,341,174,992

4,777,756,405

6,814,938,658

Interests Paid

-4,997,947,911

-10,309,894,777

-10,120,201,101

Dividends Received

600,000

 

826,620

Income Taxes

341,744,426

-2,645,758,218

-19,383,887,975

Cash Flows from Investing

19,666,234,053

96,461,068,107

6,565,877,613

Cash Inflow from Investing

28,759,187,727

118,455,575,235

30,369,738,965

Cash Outflows for Investing

-9,092,953,674

-21,994,507,128

-23,803,861,352

Cash Flows from Financing

-8,857,092,800

-14,460,907,200

-4,672,895,145

Cash Inflows from Financing

41,142,907,200

48,857,092,800

89,421,600,000

Cash Outflows from Financing

-50,000,000,000

-63,318,000,000

-94,094,495,145

Increase/Decrease in Cash

-31,832,650,348

-288,257,205

-53,419,794,742

Cash at the Beginning of Year

40,970,489,949

41,258,747,154

94,678,541,896

Cash at the End of Year

9,137,839,601

40,970,489,949

41,258,747,154

 

 

Products, Technologies, Services Description

 

Main Products & Services

The Subject Company, an integrated engine manufacturer, is a business enterprise specializing in producing diesel engine for large vessels, called the heart of the sea and power generation.

 

Diesel Engine for Large Vessels

Marine Diesel Engine

Diesel Power Plant

Annual Production Capacity

(Unit: Thousand H/P)

Item

2010

2009

2008

Diesel Engine

14,000

14,000

14,000

Technologies Acquired

 

 

 

Trade Partners & Competitors

 

Suppliers

DOOSAN MARINE INDUSTRY (DALIAN) CO., LTD.

Customers

SAMSUNG HEAVY INDUSTRIES CO.,LTD(110111-0168595)

HANJIN HEAVY INDUSTRIES & CONSTRUCTION CO.,LTD (180111-0602507)

DAEWOO SHIPBUILDING & MARINE ENGINEERING CO., LTD. (110111-2095837)

HUDONG-ZHONGHUA

ZHEJIANG OUHUA

DSIC

Competitors

HYUNDAI HEAVY INDUSTRIES CO.,LTD(181211-0000386)

STX ENGINE CO,.LTD(194211-0066763)

 

Related Parties (Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates-Domestic

DOOSAN CORPORATION(110111-0013774)

DOOSAN HEAVY INDUSTRIES & CONSTRUCTION CO.,LTD(194211-0000943)

 

DOOSAN INFRACORE CO., LTD.(120111-0234469)

(6.03% held by the subject company)

 

DOOSAN ENGINE CO., LTD(194211-0038423)

DOOSAN MECATEC CO., LTD.(110111-0126022)

N.SHAPER CO., LTD .(110111-1943574)

ORICOM INC(110111-0176986)

DOOSAN DONG-A CO., LTD.(110111-3977117)

DOOSAN CO., LTD.(110111-0013774)

SRS KOREA CO., LTD.(110111-3139733)

DOOSAN FEED & LIVESTOCK CO., LTD.(110111-3809138)

DOOSAN WINE SALES CO., LTD.(110111-3942582)

SAMHWA CROWN & CLOSURE CO., LTD.(134111-0003462)

DOOSAN MOTTROL CO., LTD.(194211-0000274)

DOOSAN CONSTRUCTION & ENGINEERING CO., LTD.(110111-0194277)

NEO TRANS CO., LTD.(131111-0141801)

DOOSAN TOWER CO., LTD.(110111-1722499)

DOOSAN MOTORS CORP.(110111-3008293)

DONG HYUN ENGINEERING CO., LTD.(110111-0508329)

NEOPLUX CO., LTD.(110111-1927841)

DOOSAN CAPITAL CO., LTD.(110111-1220336) 19.99%

BIG & GOOD SECURITIES BROKERAGE.CO., LTD.(110111-1965560)

REXCON CO., LTD.(110111-3586273)

DOOSAN CUVEX CO., LTD(140111-00325709)

DOOSAN BEARS INC(110111-0346919)

DOOSAN MOTTROL HOLDINGS CO., LTD.(110111-3892505)

DIP HOLDINGS CO., LTD.(110111-4103076)

 

CASCO CO., LTD.(210111-0047938)

(16.21% held by the subject company)

Affiliates-Overseas

DOOSAN MARINE INDUSTRY (DALIAN) CO., LTD.(DMI: CHINA)

DAGUSHAN NANGANG INDUSTRY PARK, DEVELOPMENT ZONE, DALIAN, P.R. CHINA

TEL :+86 411 8751 7957 FAX :+86 411 8751 7956

 

DALIAN SAMYOUNG DOOSAN METAL PRODUCT CO., LTD.(DSDM : CHINA)

(10.80% held by the subject company)

 

DOOSAN HOLDINGS EUROPE LTD.(DHEL)

(21.73% held by the subject company)

 

DOOSAN INFRACORE INTERNATIONAL, INC.(DII)

(11.59% held by the subject company)

Overseas Office

EUROPE BRANCH

HEIDENKAMPSWEG, 100, 8. OG 20097 HAMBURG, GERMANY

TEL:+49-40-2533-5656 FAX:+49-40-2533-5661

 

SINGAPORE BRANCH

78, SHENTON WAY, #16-04, SINGAPORE 079120

TEL:+65-6222-5515 FAX:+65-6222-5525

 

SHANGHAI BRANCH

828, HUA DU MANSION 14F 1200M E, ZHANG YANG ROAD, PUDONG, SHANGHAI, CHINA

TEL: 22-6875-0876 FAX: 22-6875-0864

 

DALIAN HANJUNG-DMD INDUSTRY CO., LTD. (CHINA)

Liaison Office

 

Overseas Branch

 

Joint Venture

 

Subsidiary

DOOSAN MARINE INDUSTRY (DALIAN) CO., LTD.(CHINA)

(100.0% held by the subject company)

 

DOOSAN ENGINE PNG CO., LTD.( DEPNG : PAPUA NEW GUINEA)

(100.0% held by the subject company)

Corporate Ownership

DOOSAN CORPORATION(110111-0013774)

DOOSAN HEAVY INDUSTRIES & CONSTRUCTION CO.,LTD(194211-0000943)

Major Shareholders

DOOSAN HEAVY INDUSTRIES & CONSTRUCTION CO.,LTD(194211-0000943)

Cooperative Enterprise

-Technical Support from

MAN DIESEL A/S

WARTSILA

MAN DIESEL SE

SEMT PIELSTICK

MITSUBISHI HEAVY INDUSTRIES

ABB TURBO SYSTEM

MAN DIESEL & TURBO FRANCE SAS

DAIHATSU DIESEL MFG.

 

-Insured Company

DONGBU INSURANCE CO., LTD.(110111-0095285)

MERITZ FIRE & MARINE INSURANCE CO., LTD.(110111-0013328)

 

 

Sales by Region (Activity & Markets)

 

Sales/ Unit : KRW

2010

2009

2008

Export

1,662,011,000,000

1,662,960,876,756

1,668,434,187,027

Domestic

68,057,000,000

109,636,230,729

66,402,391,826

Total

1,730,068,000,000

1,772,597,107,485

1,734,836,578,853

The Subject exports to China and Europe.

 

Court Action

 

Case No.

Court

Plaintiff(s)/ Creditor(s)/ Applicant(s)

Defendant(s)/ Debtor(s)/ Respondent(s)

Cause

Amount (KRW)

Status

 

Seoul Central District Court

Steamar Transportes Maritimos LDA & Others(1)

The Subject Company & Others(1)

Claim for Compensation form Damages

USD 125,163

EUR 266,865

1st round is proceeding

 

Court in Greece

GAEI(GUAM ADVANCE ENTERPRISES, INC.)

The Subject Company

Related to Chios Diesel Power Plant

Euro3,059,635

1st round is proceeding

 

Changwon District Court, Korea

Kim Kyung-Ho & Others(59)

The Subject Company

Related to Salaries

396,610,000

Proceeding

 

Changwon District Court, Korea

Lee Sang-Woo & Others(461)

The Subject Company

Related to Salaries

2,310,000,000

Proceeding

 

 

News Clipping

 

-----

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.58

UK Pound

1

Rs.102.29

Euro

1

Rs.74.71

 

 

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.