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Credit Rating (Bankruptcy Risk): 北海道銀行 (Annual ) Consolidated | Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: 北海道銀行 (Annual ) (Consolidated )

Special note

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

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

Management Risk (*Sales is decrease )
Sales (¥ 83 B) is first term Sales (¥ 88 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 71 B) is first term Gross Income (¥ 75 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -60 B) & Financial Cash Flow (¥ -1 B) is a minus, Operating Cash Flow (¥ 84 B) is a plus,

Dividend
Under the situation of Net Income (¥ 7 B) & Operating Cash Flow (¥ 84 B) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 8 B) is Sales first term ratio (¥ -5 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 (¥ 88 B) is first term Sales (¥ 89 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 4 B) is first term Net Income (¥ 7 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (5.19％) is first term Net Profit Margin (8.83％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -60 B) & Financial Cash Flow (¥ -2 B) is a minus, Operating Cash Flow (¥ 7 B) is a plus,

Dividend
Under the situation of Net Income (¥ 4 B) & Operating Cash Flow (¥ 7 B) , Dividend (¥ -3 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 89 B) is first term Sales (¥ 96 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 7 B) is first term Net Income (¥ 10 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (8.83％) is first term Net Profit Margin (10.64％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -108 B) & Financial Cash Flow (¥ -71 M) is a minus, Operating Cash Flow (¥ 139 B) is a plus,

Dividend
Under the situation of Net Income (¥ 7 B) & Operating Cash Flow (¥ 139 B) , Dividend (¥ -3 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 96 B) is first term Sales (¥ 96 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 10 B) is first term Net Income (¥ 11 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (10.64％) is first term Net Profit Margin (11.44％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -117 B) & Financial Cash Flow (¥ -27 B) is a minus, Operating Cash Flow (¥ 150 B) is a plus,

Dividend
Under the situation of Net Income (¥ 10 B) & Operating Cash Flow (¥ 150 B) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 35 B) is Sales first term ratio (¥ -504 M) more , there is a possibility that the non-performing asset was increased.

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

Dividend
Under the situation of Net Income (¥ 11 B) & Operating Cash Flow (¥ 14 B) , Dividend (¥ -3 B) is paid.

Credit Rating (Bankruptcy Risk): 北海道銀行 (Annual ) Consolidated | Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: 北海道銀行 (Annual ) (Non-Consolidated )

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

Management Risk (*Sales is decrease )
Sales (¥ 81 B) is first term Sales (¥ 87 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 69 B) is first term Gross Income (¥ 74 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 7 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 2 B) is Sales first term ratio (¥ -5 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Net Income is decrease )
Net Income (¥ 5 B) is first term Net Income (¥ 7 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (6.03％) is first term Net Profit Margin (8.93％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 5 B) & Operating Cash Flow (-) , Dividend (¥ -3 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 87 B) is first term Sales (¥ 93 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 7 B) is first term Net Income (¥ 10 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (8.93％) is first term Net Profit Margin (11.08％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 7 B) & Operating Cash Flow (-) , Dividend (¥ -3 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 93 B) is first term Sales (¥ 94 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 10 B) is first term Net Income (¥ 11 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (11.08％) is first term Net Profit Margin (12.16％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 10 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 38 B) is Sales first term ratio (¥ -600 M) more , there is a possibility that the non-performing asset was increased.

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

Dividend
Under the situation of Net Income (¥ 11 B) & Operating Cash Flow (-) , Dividend (¥ -3 B) is paid.