MIRA INFORM REPORT

 

 

Report No. :

341977

Report Date :

24.09.2015

 

IDENTIFICATION DETAILS

 

Name :

SPHAERA PHARMA PTE. LTD.

 

 

Registered Office :

8, Temasek Boulevard, 22-03, Suntec Tower Three, 038988

 

 

Country :

Singapore

 

 

Financials (as on) :

31.03.32014

 

 

Date of Incorporation :

10.03.2008

 

 

Com. Reg. No.:

200804706-Z

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Research & experimental development on biotechnology, life & medical science

 

 

No. of Employee :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 70040

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow

 

 

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.

:

200804706-Z

COMPANY NAME

:

SPHAERA PHARMA PTE. LTD.

FORMER NAME

:

N/A

INCORPORATION DATE

:

10/03/2008

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

8, TEMASEK BOULEVARD, 22-03, SUNTEC TOWER THREE, 038988, SINGAPORE.

BUSINESS ADDRESS

:

N/A

TEL.NO.

:

N/A

FAX.NO.

:

N/A

CONTACT PERSON

:

N/A

PRINCIPAL ACTIVITY

:

RESEARCH & EXPERIMENTAL DEVELOPMENT ON BIOTECHNOLOGY, LIFE & MEDICAL SCIENCE

ISSUED AND PAID UP CAPITAL

:

21,298.00 ORDINARY SHARE, OF A VALUE OF USD 24,018.00 
14,000,000.00 PREFERENCE SHARE, OF A VALUE OF USD 14,000,000.00 
1,800,000.00 PREFERENCE SHARE, OF A VALUE OF SGD 12,602.00 

SALES

:

USD 646,823 [2014]

NET WORTH

:

USD 6,654,945 [2014]

STAFF STRENGTH

:

N/A

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

N/A

MANAGEMENT CAPABILITY

:

N/A

COMMERCIAL RISK

:

N/A

CURRENCY EXPOSURE

:

N/A

GENERAL REPUTATION

:

N/A

INDUSTRY OUTLOOK

:

MARGINAL 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) research & experimental development on biotechnology, life & medical science.

 

Share Capital History

Date

Issue & Paid Up Capital

22/09/2015

USD 24,018.00 & SGD 12,602.00

 

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

 

Current Shareholder(s) :

Name

Address

IC/PP/Loc No

Shareholding

(%)

BARING INDIA PRIVATE EQUITY FUND III 12,000,000 LIMITED

C/O MULTICONSULT LIMITED, ROGERS HOUSE, 5, PRESIDENT JOHN KENNEDY STREET, PORT-LOUIS, MAURITIUS, MAURITIUS.

011060

12,000,000.00

75.85

ADVANTIUM BIOSCIENCES, LLC

2907, BAY TO BAY BOULEVARD, SUITE 201, TAMPA, FL 33629, UNITED STATES.

0115121

2,000,000.00

12.64

SUNDEEP DUGAR +

5943, STERLING OAKS DRIVE, SAN JOSE, CA 95120, UNITED STATES.

483726009

1,600,000.00

10.11

FRANK HOLLINGER

1361, GLENHARDIE ROAD, WAYNE, PA, 19087, UNITED STATES OF AMERICA, UNITED STATES.

207576619

100,000.00

0.63

DHIREN THAKKER

317, DALTON DRIVE RALEIGH, NC, 27615, UNITED STATES OF AMERICA, UNITED STATES.

017336366

100,000.00

0.63

ABHINAV DHANDIA

C-6, GREATER KAILASH-I, NEW DELHI, 110048, INDIA.

M3066043

11,000.00

0.07

ASHISH DUGAR

P-62, BLOCK-P, SOUTH EXTENSION PART II, NEW DELHI, 110049, INDIA.

F2948760

10,298.00

0.07

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

------

15,821,298.00

100.00

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

=====

+ Also Director

 

 

DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

RAHUL BHASIN

Address

:

A-2/16, SAFDARJUNG ENCLAVE NEW DELHI, 110029, INDIA.

IC / PP No

:

F3732278

Nationality

:

INDIAN

Date of Appointment

:

24/11/2008

 

DIRECTOR 2

 

Name Of Subject

:

SIVARAMAKRISHNAN MEENAKSHI SUNDARAM

Address

:

2851, MESQUITE DRIVE, SANTA CLARA CA, 95051, AMERICAN SAMOA.

IC / PP No

:

466922397

Nationality

:

AMERICAN

Date of Appointment

:

24/11/2008

 

DIRECTOR 3

 

Name Of Subject

:

IYER ANJALI SUBRAMANIAM

Address

:

177, TANJONG RHU ROAD, 20-14, WATER PLACE, 436607, SINGAPORE.

IC / PP No

:

S2557399D

Nationality

:

SINGAPOREAN

Date of Appointment

:

31/07/2010

 

DIRECTOR 4

 

Name Of Subject

:

SUNDEEP DUGAR

Address

:

5943, STERLING OAKS DRIVE, SAN JOSE, CA 95120, UNITED STATES.

IC / PP No

:

483726009

Nationality

:

AMERICAN

Date of Appointment

:

26/06/2012




MANAGEMENT


No data found in our databank. 


AUDITOR

 

Auditor

:

JBS PRACTICE PUBLIC ACCOUNTING CORPORATION

Auditor' Address

:

N/A

 

 

 

COMPANY SECRETARIES

 

1)

Company Secretary

:

IYER ANJALI SUBRAMANIAM

IC / PP No

:

S2557399D

Address

:

177, TANJONG RHU ROAD, 20-14, WATER PLACE, 436607, 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

 

 

CLIENTELE


No data found in our databank. 

 

OPERATIONS

 

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) research & experimental development on biotechnology, life & medical science. 

 

 

CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

N/A

Match

:

N/A

Address Provided by Client

:

8 TEMASEK BOULEVARD, #22-03 SUNTEC TOWER 3, SINGAPORE 38988

Current Address

:

N/A

Match

:

N/A

 

Other Investigations


We were unable to contact the Subject and its Directors.

We were unable to allocate the Subject's Company Secretary firm.

We were unable to verify the address provided.


FINANCIAL ANALYSIS

 

 

Profitability

Turnover

:

Increased

[

59.24%

]

Profit/(Loss) Before Tax

:

Decreased

[

(85.44%)

]

Return on Shareholder Funds

:

Unfavourable

[

(3.07%)

]

Return on Net Assets

:

Unfavourable

[

(3.07%)

]

The increase in turnover could be due to the Subject adopting an aggressive marketing strategy.The Subject could be more efficient in controlling its operating costs and had managed to reduce its losses during the year. The Subject's unfavourable returns on shareholders' funds indicate the management's inefficiency in utilising its assets to generate returns.

Working Capital Control

Stock Ratio

:

Nil

[

0 Days

]

Debtor Ratio

:

Acceptable

[

63 Days

]

Creditors Ratio

:

Favourable

[

52 Days

]

As the Subject is a service oriented company, the Subject does not need to keep stocks. The Subject's management was quite efficient in handling its debtors. The Subject's debtors days were at an acceptable range, thus the risk of its debts turning bad was minimised. 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

[

2.59 Times

]

Current Ratio

:

Favourable

[

2.59 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 : FAIR

 

 

 

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 :

ECONOMY

The Ministry of Trade and Industry (MTI) announced that it expects the Singapore economy to grow by around 3.0% in 2014, and by 2.0 to 4.0% in 2015. Besides that in 2013, the economy grew by 4.1%, higher than the 1.9% growth in 2012. This was mainly due to strong growth in the services producing industries, particularly the finance & insurance, as well as wholesale & retail trade sectors.

In 2013, all sectors contributed positively to growth. Finance & insurance was the largest contributor (1.2 percentage-points), followed by wholesale & retail trade (0.8 percentage-points) and business services (0.6 percentage-points). Growth in the manufacturing sector was improved by 1.7%, on the back of strong growth in the electronics and transport engineering clusters. By contrast, growth in the construction sector moderated to 5.9%, from 8.6% in 2012.

Growth in the services producing industries picked up to 5.3% in 2013, from 2.0% in 2012. This was mainly due to stronger growth in the finance & insurance and wholesale & retail trade sectors. The finance & insurance sector grew by 11%, up from 1.3% in the previous year. The wholesale & retail trade sector has expanded by 5.0%, after declining by 1.4% the year before.

For the whole of 2013, growth in total demand was 3.1%, similar to the pace of growth in 2012. External demand was the key contributor to total demand growth, accounting for 2.7 percentage-points, or almost 90%, of the increase. External demand grew at a faster pace of 3.6%, compared to the 1.4% growth in 2012. This was supported mainly by growth in the exports of machinery & transport equipment, miscellaneous manufactures, and transport services. Total domestic demand rose by a modest 1.7%, following the 8.6% increase in 2012. The slower growth in total domestic demand was primarily due to the decline in gross fixed capital formation (GFCF).

For the full year, total consumption expenditure grew by 4.4% in 2013, faster than the 2.8% growth in 2012. Public consumption expenditure increased by 11%, a strong rebound from the 1.9% decline in 2012. Private consumption expenditure recorded gains of 2.7%, moderating from the 4.1% increase in the preceding year.

Furthermore, in the first three quarters of 2014, the Singapore economy grew by 3.3% on a year-on-year basis. For the rest of the year, growth is expected to ease slightly on a year-on-year basis, in line with a projected slowdown in the global economy. Externally-oriented sectors such as the manufacturing and transportation & storage sectors are likely to slow, whereas growth in the construction sector will continue to be weighed down by the weakness in private sector construction activities. On the other hand, domestically-oriented sectors like business services are likely to remain resilient.

Additionally, the labour market in Singapore is expected to remain tight in 2015, with low unemployment and rising vacancy rates. Against this global and domestic backdrop, the growth outlook for the Singapore economy remains modest. In tandem with the expected pick-up in external demand, externally-oriented sectors such as manufacturing, wholesale trade and finance & insurance are likely to provide support to growth. While some domestically-oriented sectors such as businesses services are expected to remain resilient, labour-intensive ones like construction, retail and food services may see their growth weighed down by labour constraints.

OVERALL INDUSTRY OUTLOOK : MARGINAL GROWTH




CREDIT RISK EVALUATION & RECOMMENDATION

 

 


During our investigation, we were unable to contact the Subject as well as its Directors. In view of this, the Subject's existence in the market is in doubt. Based on the above condition, the Subject is not qualified for credit assessment. 



PROFIT AND LOSS ACCOUNT

 

 

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

 

Financial Year End

2014-03-31

2013-03-31

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

646,823

406,185

Other Income

256

430

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

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

Total Turnover

647,079

406,615

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

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

PROFIT/(LOSS) FROM OPERATIONS

(204,595)

(1,405,337)

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

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

PROFIT/(LOSS) BEFORE TAXATION

(204,595)

(1,405,337)

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

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

PROFIT/(LOSS) AFTER TAXATION

(204,595)

(1,405,337)

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

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

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

(7,149,460)

(5,744,123)

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

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

As restated

(7,149,460)

(5,744,123)

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

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

PROFIT AVAILABLE FOR APPROPRIATIONS

(7,354,055)

(7,149,460)

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

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

RETAINED PROFIT/(LOSS) CARRIED FORWARD

(7,354,055)

(7,149,460)

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

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

INTEREST EXPENSE (as per notes to P&L)

Others

-

2,544

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

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

-

2,544

-

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

 

 

 

BALANCE SHEET

 

 

 

LONG TERM INVESTMENTS/OTHER ASSETS

Subsidiary companies

4,355,790

4,355,790

Associated companies

1,813,440

800,383

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

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

TOTAL LONG TERM INVESTMENTS/OTHER ASSETS

6,169,230

5,156,173

Others

75,000

75,000

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

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

TOTAL INTANGIBLE ASSETS

75,000

75,000

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

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

TOTAL LONG TERM ASSETS

6,244,230

5,231,173

Trade debtors

111,200

187,000

Other debtors, deposits & prepayments

5,950

4,187

Amount due from associated companies

389,443

-

Cash & bank balances

161,654

698,796

Others

-

1,013,057

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

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

TOTAL CURRENT ASSETS

668,247

1,903,040

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

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

TOTAL ASSET

6,912,477

7,134,213

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

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

CURRENT LIABILITIES

Trade creditors

91,298

4,203

Other creditors & accruals

166,234

14,220

Amounts owing to subsidiary companies

-

256,250

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

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

TOTAL CURRENT LIABILITIES

257,532

274,673

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

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

NET CURRENT ASSETS/(LIABILITIES)

410,715

1,628,367

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

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

TOTAL NET ASSETS

6,654,945

6,859,540

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

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

SHARE CAPITAL

Ordinary share capital

14,009,000

14,009,000

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

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

TOTAL SHARE CAPITAL

14,009,000

14,009,000

Retained profit/(loss) carried forward

(7,354,055)

(7,149,460)

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

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

TOTAL RESERVES

(7,354,055)

(7,149,460)

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

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

SHAREHOLDERS' FUNDS/EQUITY

6,654,945

6,859,540

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

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

6,654,945

6,859,540

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

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

 

 

 

FINANCIAL RATIO

 

 

 

TYPES OF FUNDS

Cash

161,654

698,796

Net Liquid Funds

161,654

698,796

Net Liquid Assets

410,715

1,628,367

Net Current Assets/(Liabilities)

410,715

1,628,367

Net Tangible Assets

6,579,945

6,784,540

Net Monetary Assets

410,715

1,628,367

PROFIT & LOSS ITEMS

Earnings Before Interest & Tax (EBIT)

0

0

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

(204,595)

(1,402,793)

BALANCE SHEET ITEMS

Total Borrowings

0

0

Total Liabilities

257,532

274,673

Total Assets

6,912,477

7,134,213

Net Assets

6,654,945

6,859,540

Net Assets Backing

6,654,945

6,859,540

Shareholders' Funds

6,654,945

6,859,540

Total Share Capital

14,009,000

14,009,000

Total Reserves

(7,354,055)

(7,149,460)

LIQUIDITY (Times)

Cash Ratio

0.63

2.54

Liquid Ratio

2.59

6.93

Current Ratio

2.59

6.93

WORKING CAPITAL CONTROL (Days)

Stock Ratio

0

0

Debtors Ratio

63

168

Creditors Ratio

52

4

SOLVENCY RATIOS (Times)

Gearing Ratio

0

0

Liabilities Ratio

0.04

0.04

Times Interest Earned Ratio

0

(551.41)

Assets Backing Ratio

0.47

0.48

PERFORMANCE RATIO (%)

Operating Profit Margin

(31.63)

(345.98)

Net Profit Margin

(31.63)

(345.98)

Return On Net Assets

(3.07)

(20.45)

Return On Capital Employed

(3.04)

(20.23)

Return On Shareholders' Funds/Equity

(3.07)

(20.49)

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.65.97

UK Pound

1

Rs.101.19

Euro

1

Rs.73.38

 

 

INFORMATION DETAILS

 

Analysis Done by :

KAS

 

 

Report Prepared by :

ANK

 


 

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.