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The Bank of Kyoto

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Credit Rating Analysis: The Bank of Kyoto (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): The Bank of Kyoto (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	BB	Credit is a little enough, but be insufficient potential by biz environs.	¥ 112 B -3.67%	¥ 28 B -0.55%	¥ 17 B 12.94%

Financial Timeline

Date	2012-12-31  (Third quarter )	2013-03-31  (Annual )	2013-06-30  (First quarter )	2013-09-30  (Second quarter )
Credit Rating	B	BB	BB	BBB
Total Assets	¥ 7.3 T	¥ 7.6 T	¥ 7.4 T	¥ 7.7 T
Net Assets	¥ 420 B	¥ 463 B	¥ 487 B	¥ 497 B

Financial Statement Risk Analysis: The Bank of Kyoto (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 (¥ 112 B) is first term Sales (¥ 116 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 84 B) is first term Gross Income (¥ 88 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -110 B) & Financial Cash Flow (¥ -3 B) is a minus, Operating Cash Flow (¥ 111 B) is a plus,

Dividend
Under the situation of Net Income (¥ 17 B) & Operating Cash Flow (¥ 111 B) , Dividend (¥ -3 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 44 B) is Sales first term ratio (¥ -4 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 (¥ 116 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 (¥ 18 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (13.37％) is first term Net Profit Margin (14.78％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -187 B) & Financial Cash Flow (¥ -25 B) is a minus, Operating Cash Flow (¥ 174 B) is a plus,

Dividend
Under the situation of Net Income (¥ 15 B) & Operating Cash Flow (¥ 174 B) , Dividend (¥ -4 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 124 B) is first term Sales (¥ 129 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 89 B) is first term Gross Income (¥ 102 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 18 B) & Operating Cash Flow (¥ 208 B) , Dividend (¥ -3 B) is paid.

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

Financing Risk (*Issuance of new shares)
Financial Cash Flow (¥ -10 B) is a minus, Issuance of new shares (¥ 8 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 (¥ 129 B) is first term Sales (¥ 151 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 102 B) is first term Gross Income (¥ 137 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -273 B) & Financial Cash Flow (¥ -10 B) is a minus, Operating Cash Flow (¥ 12 B) is a plus,

Dividend
Under the situation of Net Income (¥ 15 B) & Operating Cash Flow (¥ 12 B) , Dividend (¥ -3 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 76 B) is Sales first term ratio (¥ -22 B) more , there is a possibility that the non-performing asset was increased.

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

Financing Risk (*Issuance of new shares)
Financial Cash Flow (¥ -617 M) is a minus, Issuance of new shares (¥ 5 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.

Financing Risk (*Issuance of new shares)
Investment Cash Flow (¥ 145 B) is a plus, Issuance of new shares (¥ 5 B) is plus. Because it is thought that the circulating fund is gained by sale and new issue of stocks of stock property , there is a possibility that the financing is severe.

Dividend
Under the situation of Net Income (¥ 10 B) & Operating Cash Flow (¥ 253 B) , Dividend (¥ -3 B) is paid.

Credit Rating (Bankruptcy Risk): The Bank of Kyoto (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	BBB	Credit is enough, but be decreased potential by biz environs.	¥ 104 B -3.59%	¥ 24 B -3.18%	¥ 14 B -6.30%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	BBB	A
Total Assets	-	-	¥ 7.6 T	¥ 7.7 T
Net Assets	-	-	¥ 452 B	¥ 497 B

Financial Statement Risk Analysis: The Bank of Kyoto (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 (¥ 104 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 (¥ 14 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 (13.81％) is first term Net Profit Margin (14.21％) less , there is a possibility that the profitability has deteriorated.

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

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 46 B) is Sales first term ratio (¥ -3 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 (¥ 108 B) is first term Sales (¥ 116 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 (¥ 18 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (14.21％) is first term Net Profit Margin (15.73％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 15 B) & Operating Cash Flow (-) , Dividend (¥ -4 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 116 B) is first term Sales (¥ 121 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 83 B) is first term Gross Income (¥ 95 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 18 B) & Operating Cash Flow (-) , Dividend (¥ -3 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 121 B) is first term Sales (¥ 142 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 95 B) is first term Gross Income (¥ 129 B) less , there is a possibility that the management situation has stagnated and deteriorated

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

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 73 B) is Sales first term ratio (¥ -21 B) 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 (¥ 10 B) & Operating Cash Flow (-) , Dividend (¥ -3 B) is paid.

Related Information: The Bank of Kyoto (Annual )

Statement Type

Annual : The Bank of Kyoto

First quarter : The Bank of Kyoto

Second quarter : The Bank of Kyoto

Third quarter : The Bank of Kyoto

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Kyoto - EDIUNET Prefectures

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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)

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
The Bank of Kyoto	8369	TSE 1st	Banks	3	Annual	BB

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