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Credit Rating Analysis: THE SHINWA 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 SHINWA BANK (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2012-03-31	BB	Credit is a little enough, but be insufficient potential by biz environs.	¥ 42 B 0.07%	¥ 3 B -65.77%	¥ 16 B 66.20%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2011-09-30  (Second quarter )	2012-03-31  (Annual )
Credit Rating	-	-	B	BB
Total Assets	-	-	¥ 2.1 T	¥ 2.2 T
Net Assets	-	-	¥ 115 B	¥ 130 B

Financial Statement Risk Analysis: THE SHINWA BANK (Annual ) (Consolidated )

Special note

Net Assets have increased 4consecutive terms. The fiscal base is getting better.

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

Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 42 B) is first term (¥ 42 B) more, however Operating Cash Flow (¥ -7 B) is first term (¥ 64 B) less , there is a possibility that the financing has deteriorated very much.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -7 B) is minus, Investment Cash Flow (¥ 25 B) 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 (¥ 16 B) is Sales first term ratio (¥ 34 M) 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 (¥ 63 B) is Operating Cash Flow (¥ -7 B) is a minus, Sales (¥ 42 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 (¥ -9 B) is a minus, Issuance of new shares (¥ 7 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 (¥ 42 B) is first term Sales (¥ 44 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 32 B) is first term Gross Income (¥ 37 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -114 B) & Financial Cash Flow (¥ -9 B) is a minus, Operating Cash Flow (¥ 64 B) is a plus,

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 7 B) is Sales first term ratio (¥ -1 B) more , there is a possibility that the non-performing asset was increased.

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

Stated Capital less
Stated Capital (¥ 33 B) is first term Stated Capital (¥ 80 B) less , there is a possibility that the management situation is very severe.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -22 B) and Investment Cash Flow (¥ -9 B) is minus, Net Income (¥ 4 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 (¥ 44 B) is first term Sales (¥ 49 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 37 B) is first term Gross Income (¥ 62 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Risk (*Financial Cash Flow is plus )
Operating Cash Flow (¥ -22 B) is a minus, Financial Cash Flow (¥ 2 B) is a plus. Because sale is inactive, it may depend for financing on loan from banks, capital increase, etc.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 4 B) is Sales first term ratio (¥ -5 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -1 B) is minus or 0, so , there is a possibility that the management situation is severe.

Overinvestment Risk (*Investment Cash Flow confirmed content)
Net Income (¥ -1 B) is a minus, the cashflow of Operating Cash Flow (¥ 72 B) is smaller than Investment Cash Flow (¥ -90 B) , there is a possibility of the overinvestment.

Credit Rating (Bankruptcy Risk): THE SHINWA BANK (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2012-03-31	BBB	Credit is enough, but be decreased potential by biz environs.	¥ 41 B 0.14%	¥ 2 B -71.62%	¥ 16 B 74.79%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2011-09-30  (Second quarter )	2012-03-31  (Annual )
Credit Rating	-	-	BBB	BBB
Total Assets	-	-	¥ 2.1 T	¥ 2.2 T
Net Assets	-	-	¥ 115 B	¥ 130 B

Financial Statement Risk Analysis: THE SHINWA BANK (Annual ) (Non-Consolidated )

Special note

Net Assets have increased 4consecutive terms. The fiscal base is getting better.

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

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 23 B) is Sales first term ratio (¥ 62 M) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Sales is decrease )
Sales (¥ 41 B) is first term Sales (¥ 43 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 32 B) is first term Gross Income (¥ 35 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 first term ratio (¥ 7 B) is Sales first term ratio (¥ -1 B) more , there is a possibility that the non-performing asset was increased.

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

Stated Capital less
Stated Capital (¥ 33 B) is first term Stated Capital (¥ 80 B) less , there is a possibility that the management situation is very severe.

Management Risk (*Sales is decrease )
Sales (¥ 43 B) is first term Sales (¥ 48 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 35 B) is first term Gross Income (¥ 61 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 first term ratio (¥ 10 B) is Sales first term ratio (¥ -5 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -943 M) is minus or 0, so , there is a possibility that the management situation is severe.

Related Information: THE SHINWA BANK (Annual )

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Annual : THE SHINWA BANK

Second quarter : THE SHINWA BANK

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Nagasaki - EDIUNET Prefectures

Nagasaki佐世保市 - 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
THE SHINWA BANK			Banks	3	Annual	BB

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EDIUNET Caution

*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. .