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Credit Rating Analysis: The San-in Godo 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): The San-in Godo Bank (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.	¥ 91 B -1.24%	¥ 19 B -17.12%	¥ 9 B -4.62%

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	BBB	BB	BB
Total Assets	¥ 4.0 T	¥ 4.2 T	¥ 4.1 T	¥ 4.2 T
Net Assets	¥ 310 B	¥ 322 B	¥ 312 B	¥ 297 B

Financial Statement Risk Analysis: The San-in Godo Bank (Annual ) (Consolidated )

Special note

Net Assets have increased 5consecutive terms. The fiscal base is getting better.

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

Management Risk (*Sales is decrease )
Sales (¥ 91 B) is first term Sales (¥ 92 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 9 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 (10.83％) is first term Net Profit Margin (11.21％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -86 B) & Financial Cash Flow (¥ -2 B) is a minus, Operating Cash Flow (¥ 122 B) is a plus,

Dividend
Under the situation of Net Income (¥ 9 B) & Operating Cash Flow (¥ 122 B) , Dividend (¥ -1 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 92 B) is first term Sales (¥ 97 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 68 B) is first term Gross Income (¥ 79 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -94 B) & Financial Cash Flow (¥ -2 B) is a minus, Operating Cash Flow (¥ 25 B) is a plus,

Dividend
Under the situation of Net Income (¥ 10 B) & Operating Cash Flow (¥ 25 B) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 18 B) is Sales first term ratio (¥ -4 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (9.09％) is first term Net Profit Margin (9.16％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -47 B) & Financial Cash Flow (¥ -3 B) is a minus, Operating Cash Flow (¥ 121 B) is a plus,

Dividend
Under the situation of Net Income (¥ 8 B) & Operating Cash Flow (¥ 121 B) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 16 B) is Sales first term ratio (¥ 2 B) more , there is a possibility that the non-performing asset was increased.

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

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -1 B) and Investment Cash Flow (¥ -85 B) is minus, Net Income (¥ 8 B) is plus. Because it is unnatural that profits have come out in this situation, the possibility of holding the non-performing asset is very high.

Management Risk (*Sales is decrease )
Sales (¥ 94 B) is first term Sales (¥ 119 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 76 B) is first term Gross Income (¥ 104 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend Risk
Under the situation of Net Income (¥ 8 B) & Operating Cash Flow (¥ -1 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 (¥ -25 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 (¥ 147 B) is Operating Cash Flow (¥ -1 B) is a minus, Sales (¥ 94 B) more , there is a possibility of holding the non-performing asset.

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

Dividend
Under the situation of Net Income (¥ 8 B) & Operating Cash Flow (¥ 116 B) , Dividend (¥ -1 B) is paid.

Credit Rating (Bankruptcy Risk): The San-in Godo Bank (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.	¥ 76 B -1.29%	¥ 17 B -16.42%	¥ 9 B 3.53%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	A	A
Total Assets	-	-	¥ 4.2 T	¥ 4.2 T
Net Assets	-	-	¥ 300 B	¥ 297 B

Financial Statement Risk Analysis: The San-in Godo Bank (Annual ) (Non-Consolidated )

Special note

Net Assets have increased 5consecutive terms. The fiscal base is getting better.

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

Management Risk (*Sales is decrease )
Sales (¥ 76 B) is first term Sales (¥ 77 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 9 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 77 B) is first term Sales (¥ 82 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 56 B) is first term Gross Income (¥ 67 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 9 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 (¥ 19 B) is Sales first term ratio (¥ -4 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Net Income is decrease )
Net Income (¥ 8 B) is first term Net Income (¥ 8 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (10.29％) is first term Net Profit Margin (11.23％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 8 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 (¥ 23 B) is Sales first term ratio (¥ 5 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Sales is decrease )
Sales (¥ 76 B) is first term Sales (¥ 99 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 62 B) is first term Gross Income (¥ 87 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 8 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 (¥ 36 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

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

Related Information: The San-in Godo Bank (Annual )

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Annual : The San-in Godo Bank

First quarter : The San-in Godo Bank

Second quarter : The San-in Godo Bank

Third quarter : The San-in Godo 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)

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1/27 Banks (The Awa Bank:BBB→A)

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Company Information

Ticker	Market	Industry	Month	report	Rating
The San-in Godo Bank	8381	TSE 1st	Banks	3	Annual	BBB

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*Financial data might be different from the actual one. Please confirm the original, and read Caution.

*This site has obtained the information from the FSA's EDINET, Tokyo Stock Exchange's TDnet and Pay statistical data services, Fukuoka stock Exchange's Stock market capitalization, Center for Spatial Information Science's CSV Geocoding Service. The copyright of the information belongs to each corporation etc. .