CREDIT REPORT. Issued for: Published 3/12/2015

Transcription

1 CREDIT REPORT Issued for:

2 Credit report PROFILE Chapter 1 Company: Address: Activity: B MINING OF LIGNITE VAT No.: Company size: Big OWNERS AND BRANCHES Chapter 2 Last year Owners: no data Branches: 0 CREDIT APPRAISAL Chapter 3 SEMAPHORE Red light in Boniteti.com database are included critical events that have influence on company current business BLOCKS Chapter 4 Last year Current Number of Blocks: Blocks: 11 / 13 bank accounts 365 / 365 days Last checked: RESULTS OF OPERATIONS Chapter 5 Categories Total assets 367,269, ,214, ,542,703 Equity and reserves 75,795,127 65,577,376 41,858,448 Total revenue 144,430, ,490, ,856,382 Total net other comprehensive income for the perio Average number of employees based on hours worked , , Debt to assets Current ratio Net return on assets (ROA) Return on equity (ROE) Data are shown in 1 BAM. 1

3 Profile Chapter 1 PROFILE Long name: Legal form: DRUŠTVO SA OGRANIČENOM ODGOVORNOŠĆU Activity: B MINING OF LIGNITE Founded: 2001 Company size: Big Company Register: Općinski (registarski) sud u Tuzli Region: Tuzlanski kanton VAT Payer: NO MANAGEMENT Shown 1 of 1 Name BANK ACCOUNTS UNION BANKA DD SARAJEVO NLB BANKA D.D., TUZLA NLB BANKA D.D., TUZLA INTESA SANPAOLO BANKA BO... TURKISH ZIRAAT BANK BOSN... SPARKASSE BANK DD HYPO ALPE-ADRIA-BANK D.D... HYPO ALPE-ADRIA-BANK D.D... UNICREDIT BANK AD BANJA... NOVA BANKA AD POSTBANK BH (Director) 2

4 Owners and branches Chapter 2 OWNERS Shown 0 of 0 There are no data for selected subject. BRANCHES/DIVISIONS Shown 0 of 0 There are no data for selected subject. 3

5 Credit appraisal Chapter 3 CREDIT APPRAISAL HISTORY FINANCIAL APPRAISAL Liquidity Careful The company operates below average and has increased probability of failure in the future. The company may have liquidity problems and at the sam time has below-average profitability. Name Value Trend Description Debt to asset ratio 0.78 Careful Payment capability 0.00 Caution Cash flow to total costs 0.00 Caution Credit exposure from operations 0.03 Excellent Efficiency Careful Name Value Trend Description Return on assets 0.00 Caution Assets turnover on total income 0.49 Average DYNAMIC RATING Indicators Subject's location has lower than average risk. Subject is active for at least 7 years and has more than 4 bank accounts. Last bank account blockade was more than 180 days long. Subject's financial data is indicating good financial health. Name Value Indicator Activity 3 Location 4 Profile 1 Trials N/A Blocks 2 Payment index N/A Financial data 4 4

6 Blocks Chapter 4 BLOCKADES LAST YEAR Last checked: 365 / 365 days Blockades last year. LAST BLOCKADES Shown 20 of 45 Bank Account From To No. of Days NOVA BANKA AD INTESA SANPAOLO BANKA BOSNA I HERCEGOVINA NLB BANKA D.D., TUZLA TURKISH ZIRAAT BANK BOSNIA DD - SARAJEVO NLB BANKA D.D., TUZLA HYPO ALPE-ADRIA-BANK D.D. MOSTAR UNICREDIT BANK AD BANJA LUKA UNION BANKA DD SARAJEVO HYPO ALPE-ADRIA-BANK D.D. MOSTAR SPARKASSE BANK DD NOVA BANKA AD 3/9/ /3/ /8/ /21/ /25/ /29/ /31/ /27/ /31/ /4/2012 1,011 12/26/2011 1,172 3/2/2015 3/5/ /20/2015 3/6/ /13/2015 2/16/ /27/2015 2/10/ /22/2015 1/26/ /16/2015 1/20/ /23/ /25/ /16/ /17/ /26/ /9/

7 Financial data Chapter 5 BALANCE SHEET - CHART Assets 2013 Liabilities 2013 Cur. Assets 7.39 % Accr. Income 0.01 % Provisions 0.17 % Def. Payment 3.84 % Equity % LT Liab % Fix. Assets % Cur. Liab % PROFIT AND LOSS ACCOUNT - CHART Oth. Income 1.19 % Fin. Income 2.58 % Oth. Income 1.19 % Revenus 2013 Oth. Expen % Fin. Expen % Expenses 2013 Oth. Expen % Oper. Income % Oper. Expen % 6

8 Financial data Chapter 5 BALANCE SHEET Categories Growth Abs. (Rel.) Fixed assets and long-term pla... Intangible assets Tangible fixed assets Investment properties Biological assets Other tangible fixed assets Non-Current financial assets Long-term receivables Long-term accruals Deferred tax assets Short-term assets Inventories Current receivables Deferred tax assets Loss above capital Total assets Assets Off-balance sheet balance Equity and reserves Core capital Called-up capital Share premium Reserves Revaluation reserves Unrealized gain Unrealized loss Undistributed profit Loss up to the amount of capital Share purchase Long-term provisions Liabilities Long-term liabilities Deferred tax liability Short-term liabilities Accruals Deferred tax liability Business liabilities Off-balance sheet liabilities Total equity and liabilities * Data are shown in 1 BAM. 239,943, ,370, ,911,080-10,459,789 (-5%) 18, , ,976 21,156 (13%) 239,436, ,739, ,277,764-10,462,143 (-5%) 180, , ,900-6,063 (-3%) 51,134 21,574 39,009 17,435 (81%) 142, , ,036 7,632 (6%) 114, , ,395-8,970 (-8%) 0 28, ,836 (-100%) 21,005,766 19,517,901 17,556,284-1,961,617 (-10%) 11,715,946 12,580,707 12,972, ,063 (3%) 9,289,820 6,937,194 4,583,514-2,353,680 (-34%) 367,269, ,214, ,542,703-28,671,978 (-6%) 260,949, ,888, ,467,364-12,421,406 (-5%) 106,320, ,325, ,075,339-16,250,572 (-7%) 75,795,127 65,577,376 41,858,448-23,718,928 (-36%) 197,438, ,723, ,015,249 15,291,626 (7%) 121,643, ,146, ,156,801 39,010,554 (26%) 427, , ,855-13,628 (-3%) 184,727, ,897, ,209,061 11,311,150 (6%) 30,165,440 23,461,218 15,917,892-7,543,326 (-32%) 150,277, ,491, ,181,448 13,689,911 (9%) 4,283,640 3,945,156 9,109,721 5,164,565 (131%) 260,949, ,888, ,467,364-12,421,406 (-5%) 106,320, ,325, ,075,339-16,250,572 (-7%) 367,269, ,214, ,542,703-28,671,978 (-6%) 7

9 Financial data Chapter 5 PROFIT AND LOSS ACCOUNT Categories Growth Abs. (Rel.) Operating income Sales of goods Income from sale of The increase in inventories of... Decrease in inventories of eff... Increase in value of investmen... Reduction in value of investme... Other operating income Operating expenses Cost of goods sold Material cost Salaries and other employee be... Cost of production services Amortization Cost of provision Intangible costs Income tax expense Contributions Profit from operating activities Loss from operations Financial income Finance income from associated... Interest income Foreign exchange gains Income from currency clause Income from participation in t... Other finance income Finance expenses Financial income from related... Interest expense Foreign exchange differences Losses from foreign currency b... Other finance expense Profit ordinary activities Loss of regular activities Other income and gains, except... Other expenses and losses, unl... Profit from other income and e... The loss from other income and... Revenue from the base alignmen... Expenses from revaluation of a... Revenue from base changes in a... Losses from changes in the bas... Profit from continuing operati... Tax expense period Net profit from continuing ope... Total revenue Total expenditures Net profit for the period Net loss for the period Other comprehensive income bef... Other comprehensive loss befor... Accrued Deferred Income Tax on... Net other comprehensive income Net other comprehensive loss Total net other comprehensive... Total net other comprehensive.... * Data are shown in 1 BAM. 143,029, ,191, ,652,689-16,538,349 (-13%) 134,727, ,356, ,899,308-16,456,775 (-13%) N/A N/A N/A N/A N/A N/A N/A N/A 50,266 76, , ,461 (194%) 157,195, ,361, ,565,581-2,795,472 (-2%) 2,889,284 2,092, ,369-1,442,912 (-69%) 26,112,638 23,122,360 21,319,116-1,803,244 (-8%) 96,766,462 95,347,501 91,688,167-3,659,334 (-4%) 7,113,889 10,208,139 7,046,022-3,162,117 (-31%) 18,510,098 18,128,827 18,377, ,519 (1%) 518, ,405,374 6,405,374 5,284,283 5,461,945 6,080, ,242 (11%) N/A N/A N/A N/A N/A N/A N/A N/A 14,166,156 26,170,015 39,912,892 13,742,877 (53%) 53,822 1,761,190 3,032,692 1,271,502 (72%) 2,868 5, , ,357 (3,705%) 9,444 1,697,237 2,772,125 1,074,888 (63%) 41,510 58,087 37,344-20,743 (-36%) 2,818,945 1,749,866 2,341, ,796 (34%) 1,724,243 1,745,014 2,341, ,626 (34%) 1,091,543 1, ,521 (-99%) 3,159 3, ,309 (-100%) 16,931,279 26,158,691 39,221,862 13,063,171 (50%) 1,213, ,160 1,398, ,223 (216%) 1,549,239 1,356,701 1,081, ,808 (-20%) , , , , ,541 (-100%) 22, ,251 95, , ,813 (706%) 316, , , ,451 (70%) 144,430, ,490, ,856,382-13,633,811 (-10%) 161,903, ,000, ,892,083-2,108,033 (-1%) 17,472,976 27,509,923 39,035,701 11,525,778 (42%) 17,472,976 27,509,923 39,035,701 11,525,778 (42%) 8

10 Financial data Chapter 5 INDICATORS Categories Growth Abs. (Rel.) Average number of employees ba... THE ASSET STRUCTURE RATIOS Tangible and intangible assets... Current assets to total assets Financial investments to total... FINANCIAL LEVERAGE RATIOS Shareholders' funds to assets Debt to assets Shareholders' funds to long-te... Financial leverage LIQUIDITY RATIOS Current ratio Quick ratio Cash flow to total costs Credit exposure from operations ASSET TURNOVER RATIOS Fixed assets turnover ratio Total assets turnover ratio Current assets turnover Inventory turnover 1 Debtors turnover Asset turnover on total income ASSET TURNOVER RATIOS (DAYS) Inventory conversion period 1 Days sales outstanding Payables deferral period RATIOS OF EFFICIENCY, PROFITAB... Total revenues to total expenses Operating revenues to operatin... Net profit margin Asset utilization ratio Net return on assets (ROA) Return on equity (ROE) Operating margin Pre-tax profit margin Net profit margin on sales Value added per employee Operating return on assets CASH-FLOW Operating cash flow Net operating working capital * Data are shown in 1 BAM. 0 3,585 3, (-6%) (0%) (-5%) (0%) (-33%) (9%) (-33%) (66%) (-17%) (-39%) (-36%) (-6%) (-6%) (0%) (-13%) (36%) (-18%) (15%) (-26%) (0%) (-9%) (-11%) (-6%) (-75%) N/A 28, , , (10%) (-60%) 18,510, ,128, ,377, , (1%) -129,272, ,973, ,625, ,651, (-11%) 9