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Credit Rating Analysis: THE BANK OF SAGA (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 SAGA (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.	¥ 42 B 5.16%	¥ 5 B -22.77%	¥ 2 B -18.78%

Financial Timeline

Date	2012-12-31  (Third quarter )	2013-03-31  (Annual )	2013-06-30  (First quarter )	2013-09-30  (Second quarter )
Credit Rating	A	BBB	A	A
Total Assets	¥ 2.0 T	¥ 2.1 T	¥ 2.1 T	¥ 2.1 T
Net Assets	¥ 98 B	¥ 102 B	¥ 100 B	¥ 99 B

Financial Statement Risk Analysis: THE BANK OF SAGA (Annual ) (Consolidated )

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

Management Risk (*Net Income is decrease )
Net Income (¥ 2 B) is first term Net Income (¥ 2 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (5.21％) is first term Net Profit Margin (6.75％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (¥ 51 B) , Dividend (¥ -1 B) is paid.

Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 42 B) is first term (¥ 40 B) more, however Operating Cash Flow (¥ 51 B) is first term (¥ 62 B) less , there is a possibility that the financing has deteriorated very much.

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

Management Risk (*Sales is decrease )
Sales (¥ 40 B) is first term Sales (¥ 40 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 (¥ 33 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -50 B) & Financial Cash Flow (¥ -5 B) is a minus, Operating Cash Flow (¥ 62 B) is a plus,

Dividend
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (¥ 62 B) , Dividend (¥ -1 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 40 B) is first term Sales (¥ 42 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 2 B) is first term Net Income (¥ 5 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (6.58％) is first term Net Profit Margin (12.20％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -18 B) & Financial Cash Flow (¥ -1 B) is a minus, Operating Cash Flow (¥ 24 B) is a plus,

Dividend
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (¥ 24 B) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 22 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

Management Risk (*Sales is decrease )
Sales (¥ 42 B) is first term Sales (¥ 45 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 33 B) is first term Gross Income (¥ 46 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -69 B) & Financial Cash Flow (¥ -1 B) is a minus, Operating Cash Flow (¥ 76 B) is a plus,

Dividend
Under the situation of Net Income (¥ 5 B) & Operating Cash Flow (¥ 76 B) , Dividend (¥ -1 B) is paid.

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

Management Risk (*Current Profit & Operating Cash Flow is minus or 0 )
Current Profit(¥ -926 M) & Operating Cash Flow (¥ -28 B) is minus or 0, so , there is a possibility that the management situation is very severe.

Dividend Risk
Under the situation of Net Income (¥ 63 M) & Operating Cash Flow (¥ -28 B), Dividend (¥ -1 B) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -28 B) is minus, Investment Cash Flow (¥ 35 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 (¥ 170 B) is Operating Cash Flow (¥ -28 B) is a minus, Sales (¥ 45 B) more , there is a possibility of holding the non-performing asset.

Credit Rating (Bankruptcy Risk): THE BANK OF SAGA (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.	¥ 41 B 5.27%	¥ 5 B -23.14%	¥ 2 B -19.30%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	BBB	A
Total Assets	-	-	¥ 2.1 T	¥ 2.1 T
Net Assets	-	-	¥ 98 B	¥ 99 B

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

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

Management Risk (*Net Income is decrease )
Net Income (¥ 2 B) is first term Net Income (¥ 2 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (5.22％) is first term Net Profit Margin (6.81％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 39 B) is first term Sales (¥ 40 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 (¥ 32 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 40 B) is first term Sales (¥ 41 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 2 B) is first term Net Income (¥ 5 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (6.61％) is first term Net Profit Margin (12.34％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 2 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 (¥ 22 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

Management Risk (*Sales is decrease )
Sales (¥ 41 B) is first term Sales (¥ 45 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 (¥ 46 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 5 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

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

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

Dividend
Under the situation of Net Income (¥ 47 M) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

Related Information: THE BANK OF SAGA (Annual )

Statement Type

Annual : THE BANK OF SAGA

First quarter : THE BANK OF SAGA

Second quarter : THE BANK OF SAGA

Third quarter : THE BANK OF SAGA

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Outline : THE BANK OF SAGA

Statement : THE BANK OF SAGA

Rating : THE BANK OF SAGA

Indicator : THE BANK OF SAGA

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Industry Comparison Ranking

Banks - EDIUNET Industry Rankings

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Comparison with a neighboring company

Saga - EDIUNET Prefectures

Saga佐賀市 - 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 BANK OF SAGA	8395	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. .