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Credit Rating Analysis: Shinsei Bank (Annual )

The details of credit rating (bankruptcy risk) can be checked. A credit rating in nine stages (AAA-C).

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Credit Rating (Bankruptcy Risk): Shinsei Bank (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	B	Credit is not enough, easily undermined by biz environs.	¥ 386 B -6.57%	¥ 54 B 225.34%	¥ 51 B 694.38%

Financial Timeline

Date	2012-12-31  (Third quarter )	2013-03-31  (Annual )	2013-06-30  (First quarter )	2013-09-30  (Second quarter )
Credit Rating	BBB	B	BBB	BB
Total Assets	¥ 9.1 T	¥ 9.0 T	¥ 8.8 T	¥ 7.8 T
Net Assets	¥ 664 B	¥ 683 B	¥ 691 B	¥ 676 B

Financial Statement Risk Analysis: Shinsei Bank (Annual ) (Consolidated )

Special note

Net sales has dropped 5 consecutive terms. The business have high risk.

The change of Net income is going too far. The management situation is unstable.

[Date: 2013-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 386 B) is first term Sales (¥ 413 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 331 B) is first term Gross Income (¥ 396 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 51 B) & Operating Cash Flow (¥ 160 B) , Dividend (¥ -2 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 106 B) is Sales first term ratio (¥ -27 B) more , there is a possibility that the non-performing asset was increased.

[Date: 2012-03-31]  Danger : Warning : Caution : Good

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -52 B) & Operating Cash Flow (¥ -1.3 T) is a minus, Interest-bearing Debt (¥ 219 B) is first term Interest-bearing Debt (¥ 202 B) more , there is a possibility that the financing is very severe.

Management Risk (*Sales is decrease )
Sales (¥ 413 B) is first term Sales (¥ 465 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 6 B) is first term Net Income (¥ 42 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (1.56％) is first term Net Profit Margin (9.16％) less , there is a possibility that the profitability has deteriorated.

Financing Risk (*Operating Cash Flow is minus or 0 ＆Sales & Net Income is decrease )
Sales (¥ 413 B) is first term Sales (¥ 465 B) less Net Income (¥ 6 B) is first term Net Income (¥ 42 B) less, however Operating Cash Flow (¥ -1.3 T) is compensated for Investment Cash Flow (¥ 1.3 T) etc. , there is a possibility that the financing is severe.

Dividend Risk
Under the situation of Net Income (¥ 6 B) & Operating Cash Flow (¥ -1.3 T), Dividend (¥ -2 B) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -1.3 T) is minus, Investment Cash Flow (¥ 1.3 T) is plus. Because the main occupation was dull, stock property may have been sold off.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ -9 B) is Sales first term ratio (¥ -52 B) more , there is a possibility that the non-performing asset was increased.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 1.6 T) is Operating Cash Flow (¥ -1.3 T) is a minus, Sales (¥ 413 B) more , there is a possibility of holding the non-performing asset.

[Date: 2011-03-31]  Danger : Warning : Caution : Good

Financing Risk (*Issuance of new shares)
Financial Cash Flow (¥ -24 B) is a minus, Issuance of new shares (¥ 71 B) is plus. Because a possibility of having appropriated the capital-increase fund for repayment of borrowed money is high , there is a possibility that the financing is extremely severe.

Management Risk (*Sales is decrease )
Sales (¥ 465 B) is first term Sales (¥ 566 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 441 B) is first term Gross Income (¥ 639 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -104 B) & Financial Cash Flow (¥ -24 B) is a minus, Operating Cash Flow (¥ 94 B) is a plus,

[Date: 2010-03-31]  Danger : Warning : Caution : Good

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -140 B) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 566 B) is first term Sales (¥ 601 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 639 B) is first term Gross Income (¥ 764 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-24.75％) is first term Net Profit Margin (-23.78％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -1.0 T) & Financial Cash Flow (¥ -43 B) is a minus, Operating Cash Flow (¥ 958 B) is a plus,

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 1.8 T) is Net Income (¥ -140 B) is a minus, Sales (¥ 566 B) more , there is a possibility of holding the non-performing asset.

Overinvestment Risk (*Investment Cash Flow confirmed content)
Net Income (¥ -140 B) is a minus, the cashflow of Operating Cash Flow (¥ 958 B) is smaller than Investment Cash Flow (¥ -1.0 T) , there is a possibility of the overinvestment.

[Date: 2009-03-31]  Danger : Warning : Caution : Good

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -143 B) is minus or 0, so , there is a possibility that the management situation is severe.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -1.0 T) & Financial Cash Flow (¥ -21 B) is a minus, Operating Cash Flow (¥ 1.1 T) is a plus,

Dividend Risk
Under the situation of Net Income (¥ -143 B) & Operating Cash Flow (¥ 1.1 T), Dividend (¥ -5 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 2.5 T) is Net Income (¥ -143 B) is a minus, Sales (¥ 601 B) more , there is a possibility of holding the non-performing asset.

Credit Rating (Bankruptcy Risk): Shinsei Bank (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	B	Credit is not enough, easily undermined by biz environs.	¥ 161 B -8.00%	¥ 25 B 41.89%	¥ 24 B 77.45%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	B	A
Total Assets	-	-	¥ 8.3 T	¥ 7.8 T
Net Assets	-	-	¥ 665 B	¥ 676 B

Financial Statement Risk Analysis: Shinsei Bank (Annual ) (Non-Consolidated )

Special note

Net sales has dropped 5 consecutive terms. The business have high risk.

The change of Net income is going too far. The management situation is unstable.

[Date: 2013-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 161 B) is first term Sales (¥ 175 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 135 B) is first term Gross Income (¥ 157 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 24 B) & Operating Cash Flow (-) , Dividend (¥ -2 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 86 B) is Sales first term ratio (¥ -14 B) more , there is a possibility that the non-performing asset was increased.

[Date: 2012-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 175 B) is first term Sales (¥ 191 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 157 B) is first term Gross Income (¥ 183 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 13 B) & Operating Cash Flow (-) , Dividend (¥ -2 B) is paid.

[Date: 2011-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 191 B) is first term Sales (¥ 217 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 183 B) is first term Gross Income (¥ 262 B) less , there is a possibility that the management situation has stagnated and deteriorated

[Date: 2010-03-31]  Danger : Warning : Caution : Good

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -47 B) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 217 B) is first term Sales (¥ 246 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 262 B) is first term Gross Income (¥ 411 B) less , there is a possibility that the management situation has stagnated and deteriorated

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 1.8 T) is Net Income (¥ -47 B) is a minus, Sales (¥ 217 B) more , there is a possibility of holding the non-performing asset.

[Date: 2009-03-31]  Danger : Warning : Caution : Good

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -157 B) is minus or 0, so , there is a possibility that the management situation is severe.

Dividend
Under the situation of Net Income (¥ -157 B) & Operating Cash Flow (-) , Dividend (¥ -5 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 2.5 T) is Net Income (¥ -157 B) is a minus, Sales (¥ 246 B) more , there is a possibility of holding the non-performing asset.

Related Information: Shinsei Bank (Annual )

Statement Type

Annual : Shinsei Bank

First quarter : Shinsei Bank

Second quarter : Shinsei Bank

Third quarter : Shinsei Bank

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Related company's newest statement

Date	Company	Credit Rating	Date
1/27	The Awa Bank	BBB→A	2013-12-31 (Q3)
12/26	MOA Fund.	CC→BBB	2013-09-30
12/2	The Tajima Bank	A→CC	2013-09-30 (Q2)
11/29	THE SAGA KYOUEI BANK	BBB	2013-09-30 (Q2)
11/27	富山第一銀行	A→BB	2013-09-30 (Q2)
11/26	THE SHIZUOKACHUO BANK	A	2013-09-30 (Q2)
11/25	THE SAIKYO BANK	CCC→BBB	2013-09-30 (Q2)
11/18	THE FUKUHO BANK	CCC→BBB	2013-09-30 (Q2)
11/18	The Bank of Nagasaki	CC→B	2013-09-30 (Q2)
11/15	Mitsubishi UFJ Financia..	BBB	2013-09-30 (Q2)

EDIUNET Investment News (Banks)

1/27 Banks (The Awa Bank:BBB→A)

12/26 Banks (MOA Fund.:CC→BBB)

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11/18 Banks (THE FUKUHO BANK:CCC→B..

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Company Information

Ticker	Market	Industry	Month	report	Rating
Shinsei Bank	8303	TSE 1st	Banks	3	Annual	B

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