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Credit Rating Analysis: 北陸銀行 (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): 北陸銀行 (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	A	Credit is high, but affected by biz environs.	¥ 103 B -2.38%	¥ 18 B -33.66%	¥ 12 B 6.73%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2011-09-30  (Second quarter )	2013-03-31  (Annual )
Credit Rating	-	-	A	A
Total Assets	-	-	¥ 6.0 T	¥ 6.2 T
Net Assets	-	-	¥ 233 B	¥ 268 B

Financial Statement Risk Analysis: 北陸銀行 (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 (¥ 103 B) is first term Sales (¥ 105 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 12 B) & Operating Cash Flow (¥ 127 B) , Dividend (¥ -5 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 105 B) is first term Sales (¥ 109 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 11 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 (10.77％) is first term Net Profit Margin (10.92％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -88 B) & Financial Cash Flow (¥ -9 B) is a minus, Operating Cash Flow (¥ 65 B) is a plus,

Dividend
Under the situation of Net Income (¥ 11 B) & Operating Cash Flow (¥ 65 B) , Dividend (¥ -4 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 109 B) is first term Sales (¥ 114 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 11 B) is first term Net Income (¥ 12 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -205 B) & Financial Cash Flow (¥ -8 B) is a minus, Operating Cash Flow (¥ 236 B) is a plus,

Dividend
Under the situation of Net Income (¥ 11 B) & Operating Cash Flow (¥ 236 B) , Dividend (¥ -4 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 114 B) is first term Sales (¥ 125 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 12 B) is first term Net Income (¥ 28 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (10.78％) is first term Net Profit Margin (22.61％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -177 B) & Financial Cash Flow (¥ -31 B) is a minus, Operating Cash Flow (¥ 217 B) is a plus,

Dividend
Under the situation of Net Income (¥ 12 B) & Operating Cash Flow (¥ 217 B) , Dividend (¥ -3 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 (¥ -10 B) more , there is a possibility that the non-performing asset was increased.

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

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -61 B) & Financial Cash Flow (¥ -26 B) is a minus, Operating Cash Flow (¥ 144 B) is a plus,

Dividend
Under the situation of Net Income (¥ 28 B) & Operating Cash Flow (¥ 144 B) , Dividend (¥ -4 B) is paid.

Credit Rating (Bankruptcy Risk): 北陸銀行 (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	A	Credit is high, but affected by biz environs.	¥ 103 B -2.25%	¥ 18 B -33.13%	¥ 12 B 7.96%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2011-09-30  (Second quarter )	2013-03-31  (Annual )
Credit Rating	-	-	BBB	A
Total Assets	-	-	¥ 6.0 T	¥ 6.2 T
Net Assets	-	-	¥ 233 B	¥ 268 B

Financial Statement Risk Analysis: 北陸銀行 (Annual ) (Non-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 (¥ 103 B) is first term Sales (¥ 105 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 12 B) & Operating Cash Flow (-) , Dividend (¥ -5 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 105 B) is first term Sales (¥ 108 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 11 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 (10.82％) is first term Net Profit Margin (10.95％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 11 B) & Operating Cash Flow (-) , Dividend (¥ -4 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 108 B) is first term Sales (¥ 113 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 11 B) is first term Net Income (¥ 15 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (10.95％) is first term Net Profit Margin (13.76％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 11 B) & Operating Cash Flow (-) , Dividend (¥ -4 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 113 B) is first term Sales (¥ 124 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 15 B) is first term Net Income (¥ 26 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (13.76％) is first term Net Profit Margin (21.27％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 15 B) & Operating Cash Flow (-) , Dividend (¥ -3 B) is paid.

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

Dividend
Under the situation of Net Income (¥ 26 B) & Operating Cash Flow (-) , Dividend (¥ -4 B) is paid.

Related Information: 北陸銀行 (Annual )

Statement Type

Annual : 北陸銀行

Second quarter : 北陸銀行

Analysis Menu

Outline : 北陸銀行

Statement : 北陸銀行

Rating : 北陸銀行

Indicator : 北陸銀行

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Industry Comparison Ranking

Banks - EDIUNET Industry Rankings

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Comparison with a neighboring company

Toyama - EDIUNET Prefectures

Toyama富山市 - EDIUNET Prefectures

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)

12/2 Banks (The Tajima Bank:A→CC)

11/29 Banks (THE SAGA KYOUEI BANK:..

11/27 Banks (富山第一銀行:A→BB)

11/26 Banks (THE SHIZUOKACHUO BANK..

11/25 Banks (THE SAIKYO BANK:CCC→B..

11/18 Banks (THE FUKUHO BANK:CCC→B..

11/15 Banks (Mitsubishi UFJ Financ..

11/14 Banks (みずほフィナンシャル..

Company Information

Ticker	Market	Industry	Month	report	Rating
北陸銀行			Banks	3	Annual	A

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