Rede Energia SA: modeFinance Credit Report

Page 1

Tuesday, 27 November 2012

REDE ENERGIA S.A.

MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

If you want to know more, ASKMORE modeFinance’s credit report.

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REDE ENERGIA S.A.

Identification number

Not available

Country

Brazil

ZIP code and city

01311 936 - SAO PAULO

Address

CERQUEIRA CESAR, 5 ANDAR +55 11 3066 2021 www.gruporede.com.br evandro.coura@gruporede.com.br

Legal form

Not available

Account

Consolidated

Incorporation date

1929

NACE 2 Sector

3511 - Production of electricity

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ASKMORE is the modeFinance product which gives the chance to evaluate the credit risk for every company from all around the world.

ASKMORE

Company name

Listed Status

Active

MORE Credit limit

8,200,000 e

plans 3 types of reports:

Turnover (th e) Rating s-peek

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ASKMORE Basic: This report includes modeFinance ’ s MORE Credit Ratings and MORE Credit Limit to help you in the decision making. It covers all essential information including financial statements of the last three years and descriptive information including trade description and sector analysis. This report type is ideally suited for decisions on transactions with each level of credit risk.

31/12/2010

31/12/2009

3,248,684

3,043,787

2,026,852

CCC

CCC

B

19.00%

19.00%

4.70%

100%

100%

100%

19.74

8.63

9.34

1.05

1.12

1.11

Current Ratio

0.61

0.82

0.86

Quick Ratio

0.60

0.81

0.85

Probability of default

Plus

Basic

31/12/2011

Confidence Level

TM

Solvency ratios Leverage ratio Total asset/Total liabilities Liquidity ratios

Profitability and economic equilibrium ratios Return on investement ROI (%)

12.09

5.18

16.58

-110.30

-28.09

1.80

Asset turnover

0.60

0.54

0.44

Interest paid weight

1.16

1.49

0.97

Gross Profit/Operating revenue

0.27

0.20

0.34

0.50

-0.23

0.41

Return on equity ROE (%)

Interest Coverage ratios EBIT interest coverage ratio

Analysis and trend of financial strength

modeFinance Headquarter Building A - AREA Science Park Padriciano 99 - 34149 Trieste - Italy Ph.: +39 040 375 5337 Fax: +39 040 375 6741 info@modefinance.com TM

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MORE Credit Rating

D not available

non return

C

CC

extremly pathological pathological

CCC

B

BB

BBB

A

AA

AAA

high danger

weak

sufficient

adequate

good

very strong

extremely strong


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Sector Analysis Company

Healthy

Balanced

Vulnerable

Risky

Solvency ratios Leverage ratio

19.74

0.49

2.13

4.40

-3.45

Total asset/Total liabilities

1.05

3.01

1.47

1.18

0.97

Current Ratio

0.61

2.20

1.11

0.80

0.41

Quick Ratio

0.60

1.74

0.97

0.73

0.40

Liquidity ratios

Profitability and economic equilibrium ratios Return on investement ROI (%)

12.09

14.97

5.86

2.22

-1.71

-110.30

14.41

8.17

-2.29

-102.40

Asset turnover

0.60

0.46

0.37

0.32

0.24

Interest paid weight

1.16

0.04

0.31

0.60

-0.11

Gross Profit/Operating revenue

0.27

0.46

0.41

0.29

0.11

0.50

26.32

2.91

0.78

-0.72

Days Sales Of Inventory (DIO)

2

15

18

16

22

Days Sales Outstanding (DSO)

85

42

41

29

29

Days Payable Outstanding (DPO)

38

17

31

20

19

Cash Conversion Cycle (DIO + DSO - DPO)

49

30

29

16

75

-

74

325

125

30

CCC

A

BB

B

CC

Return on equity ROE (%)

Interest Coverage ratios EBIT interest coverage ratio Cash Conversion Cycle (days)

Numer of analyzed companies (Average) Rating

The sector has been chosen according to: international companies in the sector NACE 2 3511 with financial data of year 2011.

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Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

key

Sector Analysis - Graphs

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Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741

AA AAA


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Balance Sheet BALANCE SHEET (th e)

31/12/2011

31/12/2010

31/12/2009

IFRS

IFRS

Local GAAP

0.41578

0.44365

0.39885

12

12

12

Total assets

5,378,497

5,607,932

4,656,074

Fixed assets

3,969,870

4,267,460

3,632,016

2,331,940

2,439,648

208,479

82,947

97,391

2,324,605

1,554,984

1,730,421

1,098,932

1,408,627

1,340,472

1,024,058

17,709

20,035

15,606

Debtors

754,195

645,760

537,647

Other current assets

636,722

674,677

470,805

285,262

337,027

165,104

Shareholders funds

259,354

582,597

450,106

Capital

558,801

317,014

284,998

-299,447

265,583

165,108

Total liabilities

5,119,143

5,025,335

4,205,968

Non current liabilities

2,796,802

3,388,523

3,022,066

Long term debt

1,424,745

2,054,944

1,632,113

Other non-current liabilities

1,372,057

1,333,579

1,389,954

Current liabilities

2,322,341

1,636,812

1,183,902

Loans

1,129,278

763,043

453,016

Creditors

342,417

271,572

250,398

Other current liabilities

850,646

602,196

480,488

5,378,497

5,607,932

4,656,074

NET DEBT (th e)

31/12/2011

31/12/2010

31/12/2009

Short term debts

1,129,278

763,043

453,016

Long term debt

1,424,745

2,054,944

1,632,113

Accounting practice Exchange rate BRL - EUR Number of months

Intangible fixed assets Tangible fixed assets Other fixed assets Current assets Stocks

Cash & cash equivalent

Other shareholders funds

Total shareh. funds & liab.

Cash & cash equivalent Net debt

285,262

337,027

165,104

2,268,761

2,480,961

1,920,024

31/12/2011

31/12/2010

31/12/2009

Working capital

429,487

394,223

302,855

-913,715

-296,340

-159,844

31/12/2011

31/12/2010

31/12/2009

Net Current Assets

Days Sales Of Inventory (DIO)

2

2

3

Days Sales Outstanding (DSO)

85

77

97

Days Payable Outstanding (DPO)

38

33

45

Cash Conversion Cycle (DIO + DSO - DPO)

49

46

55

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Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

C

D

CC CCC

B

BB BBB

A

AA AAA

key

Income Statement INCOME STATEMENT (th e)

31/12/2011

31/12/2010

31/12/2009

IFRS

IFRS

Local GAAP

0.41578

0.44365

0.39885

12

12

12

Accounting practice Exchange rate BRL - EUR Number of months Sales

3,235,798

3,043,787

2,012,010

6

51

-

12,886

0

14,842

Operating revenue / turnover

3,248,684

3,043,787

2,026,852

Total operating costs

2,870,710

3,144,987

1,724,081

Costs growth (%)

-9

82

-

Service costs

-

2,719,568

1,455,169

Material costs

-

14,582

5,601

Costs of employees

-

236,513

103,411

EBITDA

553,966

73,123

462,670

Depreciation

175,992

174,323

159,899

EBIT

377,975

-101,200

302,771

-479,939

-42,290

-277,140

Financial revenue

379,997

391,799

253,140

Financial expenses

859,936

434,088

530,280

752,348

434,088

746,316

-101,965

-143,490

25,632

17,857

2,663

-64,243

Extr. and other revenue

-

-

-

Extr. and other expenses

-

-

-

-84,107

-140,826

-38,611

Revenues growth (%) Other revenues +/- variation in inventories and contract in progress + Fixed assets own construction capitalized

Financial P/L

Interest paid P/L before tax Extr. and other P/L

P/L before tax + Extr. and other P/L Taxation

201,966

22,813

-46,723

-286,073

-163,639

8,112

31/12/2011

31/12/2010

31/12/2009

P/L for period

Costs of Good Sold

2,364,118

2,449,974

1,340,905

Gross Profit

884,566

593,813

685,947

Other Operating Expenses

506,592

695,013

383,176

31/12/2011 Cash flow Added value

168,011

-

658,472

1,064,461

7,716

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31/12/2009

10,684

31/12/2011 Number of employees

31/12/2010

-110,081

31/12/2010

31/12/2009

7,100

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741

-


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

key

Evolutions and trends

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Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741

AA AAA


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Qualitative information Full overview

The company, formerly known as Caiua Servicos de Eletricidade S. A., is a publicly quoted firm engaged in the provision of electric services in Brazil. It was incorporated in the year 1929 and conducts its business from its registered head office located in Sao Paulo. The company is listed on the Sao Paulo Stock Exchange under the ticker symbol REDE3. The company is recognized as one of the largest Brazilian electricity firms. It is specializes in distributing electricity to more than 6 million people in 578 municipalities in seven different Brazilian states, such as Sao Paulo, Minas Gerais, Tocantins, Mato Grosso, Mato Grosso do Sul and Para. It distributes 18.500 gigawatts/hours per year through its 563 substations, which travels 15.00 km of transmission lines and 300.000 km of distribution networks. The company serves customers in the residential, commercial, industrial, and municipal sectors. The company’s mission is to provide electricity services by adopting social and environmental responsibility practices aimed at the satisfaction of customers, employees, suppliers and shareholders, thus contributing to Brazil’s development.

History

Formerly known as Caiua Servicos de Eletricidade S. A.

Primary business line

Engaged in the provision of electric services in Brazil.

Secondary business line

Not available.

Main activity

Services.

Secondary activity

Not available.

Main products and services

Electric services.

Size estimate

One of the largest Brazilian electricity firms.

Strategy, organization and policy

To provide electricity services by adopting social and environmental responsibility practices aimed at the satisfaction of customers, employees, suppliers and shareholders, thus contributing to Brazil’s development.

Strategic alliances

Not available.

Membership of a network

Not available.

Main brand names

Not available.

Main domestic country

Brazil.

Main foreign countries or regions

Not available.

Main production sites

Not available.

Main distribution sites

Not available.

Main sales representation sites

Not available.

Main customers

Residential, commercial, industrial, and municipal sectors.

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Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Auditor/Advisor/Bank name

type

address

DELOITTE TOUCHE TOHMATSU - AUDITO-

Auditor

-

RES INDEPENDENTES KPMG AUDITORES INDEPENDENTES

Auditor

-

Board name

date of birth

nationality

function

Mr. Mauricio Aquino Halewicz

-

-

Chairman

Sharehoders (the first twenty shareholders ordered by Direct %) EMPRESA DE ELETRICIDADE VALE PARANAPANEMA S/A.

Rating:

Country ISO code

BR

Operating Revenue (MIL $)

NACE Rev. 2, Core code Direct % Total % Address : Not available

MO -

Total Assets (MIL $) Number of Employees Information date

4 2012/05

Rating:

DENERGE DESENVOLVIMENTO ENERGETICO SA Country ISO code NACE Rev. 2, Core code Direct %

BR 14.83

Total % Address : Not available

-

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees

0

Information date

BNDES PARTICIPACOES S.A. BNDESPAR Country ISO code NACE Rev. 2, Core code Direct % Total % Address : Not available

49.33

BR -

Rating:

BBB

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

3882.55 59532.11 0 2010/09

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2010/12

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Subsidiaries (the first twenty subsidiaries ordered by Direct %) Rating:

CAIUÁ - DISTRIBUIÇÃO DE ENERGIA S/A. Country ISO code NACE Rev. 2, Core code Direct % Total %

BR 100.00 100.00

NACE Rev. 2, Core code Direct % Total %

136.95

Total Assets (MIL $) Number of Employees Information date

514 2010/12

Rating:

COMPANHIA NACIONAL DE ENERGIA ELETRICA Country ISO code

Operating Revenue (MIL $)

BR

Operating Revenue (MIL $)

100.00 100.00

34 2010/12

EMPRESA DE DISTRIB DE ENERGIA VALE PARANAPANEMA SA

Rating:

Country ISO code

Operating Revenue (MIL $)

NACE Rev. 2, Core code Direct % Total %

BR 100.00 100.00

NACE Rev. 2, Core code Direct % Total %

NACE Rev. 2, Core code Direct % Total %

100.00 100.00

Direct % Total %

Operating Revenue (MIL $)

353.53

Total Assets (MIL $) Number of Employees Information date

925.22 2010/12

Rating: BR

Operating Revenue (MIL $)

100.00 100.00

33.18

Total Assets (MIL $) Number of Employees Information date

112.17 23 2010/12

Rating:

REDE POWER DO BRASIL S.A. Country ISO code NACE Rev. 2, Core code

2010/12

Rating: BR

TANGARÁ ENERGIA S/A. Country ISO code

-

Total Assets (MIL $) Number of Employees Information date

QMRA PARTICIPACOES S.A. Country ISO code

73.58

Total Assets (MIL $) Number of Employees Information date

BR -

Operating Revenue (MIL $) Total Assets (MIL $)

99.98 -

-

Number of Employees Information date

33 2010/12

EMPRESA ENERGÉTICA DE MATO GROSSO DO SUL S.A. - ENERSUL

Rating:

Country ISO code NACE Rev. 2, Core code

Operating Revenue (MIL $) Total Assets (MIL $)

721.16 1012.72

Number of Employees Information date

994 2010/12

Direct % Total %

BR 60.16 99.93

Rating:

REDE DE ELECTRICIDADE E SERVIÇOS SA Country ISO code NACE Rev. 2, Core code Direct % Total %

BBB

BR -

Operating Revenue (MIL $) Total Assets (MIL $)

99.50 -

Number of Employees Information date

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2010/12

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Rating:

COMPANHIA FORÇA E LUZ DO OESTE. Country ISO code NACE Rev. 2, Core code Direct % Total %

BR 97.65 -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

BR 96.40 -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

Rating:

EMPRESA ELETRICA BRAGANTINA SA Country ISO code NACE Rev. 2, Core code Direct % Total %

COMPANHIA DE ENERGIA ELÉTRICA DO ESTADO DE TOCANTINS CELTINS.

Rating:

Country ISO code NACE Rev. 2, Core code Direct % Total %

BR 70.00 -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

BR 10.20 65.18

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

BR 60.48 -

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

Rating:

CENTRAIS ELETRICAS DO PARA S.A. CELPA Country ISO code NACE Rev. 2, Core code Direct % Total %

112.83 46 2010/12

396.15 771 2010/12 CCC 1465.54 2344.58 2221 2010/12

Rating:

VALE DO VACARIA ACUCAR E ALCOOL S/A. Country ISO code NACE Rev. 2, Core code Direct % Total %

33.54 76 2010/12

2010/12

CENTRAIS ELETRICAS MATOGROSSENSES SA - CEMAT

Rating:

BB

Country ISO code NACE Rev. 2, Core code Direct % Total %

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

1081.22 1908.25 2011/10

BR MO -

COMPANHIA TÉCNICA DE COMERCIALIZAÇÃO DE ENERGIA.

Rating:

Country ISO code NACE Rev. 2, Core code Direct % Total %

Operating Revenue (MIL $) Total Assets (MIL $) Number of Employees Information date

BR MO -

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CCC

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741

143.32 31.65 6 2011/07


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

ASKMORE rating guide General vision

A credit rating is an opinion of the general creditworthiness of an obligor (issuer rating), or the creditworthiness of an obligor in respect of a specific debt security, or other financial obligation (issue rating), based on relevant risk factors. The Multi Objective Rating Evaluation (MORE) model is essentially used to assess the level of distress of industrial companies by using data included in financial statements. The basic idea of the model is to analyze a set of financial and economic ratios in a predictive corporate bankruptcy model with the purpose of creating a fundamental credit rating model for each industrial sector. Results of the model are obtained by applying newly developed numerical methodologies, drawing together financial theory, data mining and engineering design methodologies. The heart of MORE is a multi dimensional and multi objective algorithm that produces a classification of each company, by taking into account any attributes (such as sector and country) characterizing a firm. The model gives the opportunity to assign a rating to a company even without considering a complete data analysis and allows to process quality information. It induces a better understanding of a company’s strength and weakness thanks to sophisticated data mining tools and taking into account the analyst knowledge. The MORE rating vision is to look at the fundamental economics of the company. The main idea is to evaluate the rating observing every aspect of the economical and financial behavior of the company: better is the equilibrium between the different aspects, better will be the final rating. This is done studying, evaluating and aggregating the most important sections of the financial and economic behavior of a company such as: profitability, liquidity, solvency, interest coverage and efficiency.

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Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Rating scale Rating class

Rating macro class

The company’s capacity to meet its financial commitments is extremely strong. The company shows an excellent

AAA

AA

Assessment

economic and financial flow and fund equilibrium. Healthy

The company has very strong creditworthiness. It also has a good capital structure and economic and financial equilibrium. Difference from AAA is slight. The company has a high solvency. The company is however more susceptible to the adverse effects of changes in

A

circumstances and economic conditions than companies in higher rated categories. Capital structure and economic equilibrium are considered adequate. The company’s capacity to meet its financial commitments could be affected by serious unfavourable events.

BBB Balanced

A company rated BB is more vulnerable than companies rated BBB. Furthermore the company faces major ongoing uncertainties or exposure to adverse business, financial, or economic conditions.

BB

The company presents vulnerable signals with regards to its fundamentals. Adverse business, financial, or economic

B

conditions will be likely to impair the company’s capacity or willingness to meet its financial commitments. Vulnerable

CCC

A company rated CCC has a dangerous disequilibrium on the capital structure and on its economic and financial fundamentals. Adverse market events and an inadequate management could affect with high probability the company’s solvency.

CC

The company shows signals of high vulnerability. In the event of adverse market and economic conditions, the company’s strong disequilibrium could increase. Risky

C

The company shows considerable pathological situations. commitments is very low.

D

The company has not any longer the capacity to meet its financial commitments.

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The company’s capacity to meet its financial

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Fundamental Credit Rating Ratios Analysis area

Ratio

Assessment This measures the level of total liabilities of the company in comparison

Leverage ratio

with equity.

Solvency ratios

Financial ratios

Assets to debt

This indicates company’s solvency. The company shows a level of deficit when the value of this ratio is under one unit.

Fixed Assets coverage ratio

This is calculated only for holdings. It measures the capital structure i.e. whether a company covers the fixed assets with long term capital.

Current ratio

This measures whether a company has sufficient short-term assets to cover its short-term liabilities.

Liquidity ratios This compares current liabilities only to those assets that can be readily

Quick ratio

turned into cash.

Return on Investement(ROI)

This measures the profitability of company investments without regard to the way the investment is financed.

Return on Equity(ROE)

This measures the profitability of the equity.

Asset turnover

This indicates the investments turnover with regards to sales. The level assumed from the ratio depends on the sector in which the company operates.

Profit margin

This indicates the profitability of sales.

Interest Paid coverage

This indicate the ability of the company to cover interest expenses through the economic margins (Gross profit and EBIT) and through the cash flow from operating activities.

Profitability and economic ratios

Interest coverage ratio

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Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

MORE Credit Limit, Probability of default and Confidence Level MORE Credit Limit

MORE Credit limit is the estimation of the amount of maximum credit that is possible to assign on a commercial relationship with the analyzed company with an outlook of one year. modeFinance used the following values associated with the company analyzed while computing the credit limit:

• Size; • Years in Business; • Average number of suppliers; • Liquidity of the company and the comparison with its sector; • The funds dedicated to be paid to suppliers; • The likelihood that a company may pay its debts in the next 12 months (MORE Ratings).

The credit limit in this report is merely a suggested value of commercial credit limit calculated on the basis of annual public data. This value should be reviewed by paying attention to the Confidence Level value and by using other information such as other business information, news... etc; and private information such as the relationship with client, history of payments, guarantees and the knowledge of the sector.

Probability of default e Confidence Level

In addition to the MORE Rating, modeFinance also estimates the probability of default and provides a level of confidence. The probability of default is the degree of certainty (in quantitative terms) that the company will go into default. As the probability of default is strongly affected by the economic climate that the company is operating in, companies in the same MORE class will not necessarily have the same probability of default. The MORE model can produce a MORE rating even if there is missing data by using an associated confidence level:

Confidence =

P Available Information P Total Information

The level of confidence does not indicate financial confidence in the company. It is a reflection of the variations in availability of financial data across Europe due to filing regulations and suggests the degree of financial detail the MORE rating is able to take into account for each company. For companies with fully populated records a confidence level of 100% would be applied: companies where no financial data is provided, 0%. This puts the MORE rating in a context for the user and aids interpretation.

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


REDE ENERGIA S.A.

Tuesday, 27 November 2012 MORE Credit Rating

D

C

CC CCC

B

BB BBB

A

AA AAA

key

Notes and disclaimer NOTES

modeFinance has based the present analysis on the company available financial statements, coming from one or more of the following sources: local providers, Commercial Register (Companies House), websites, modeFinance’s database etc.

DISCLAIMER

All Rights Reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior permission of the publisher modeFinance. The facts of this report are believed to be correct at the time of publication but cannot be guaranteed. Please note that the findings, conclusions and recommendations that modeFinance delivers will be based on information gathered in good faith from both primary and secondary sources, whose accuracy we are not always in a position to guarantee. As such modeFinance can accept no liability whatever for actions taken based on any information that may subsequently prove to be incorrect.

Contacts

Info web

modeFinance MORE rating AREA Science Park 34149 Trieste, via Padriciano 99 - ITALY info@modefinance.com www.modefinance.com

Phone

+39 040 3755337

Company Products Where

modeFinance srl VAT number 01168840328 info@modefinance.com www.modefinance.com TM

Area Science Park, Padriciano 99. 34149 Trieste, Italy Tel. +39 040 3755337 Fax +39 040 3756741


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