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Credit Rating Analysis: Kansai Urban Banking (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): Kansai Urban Banking (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	C	Credit is extremely vulnerable. The lowest rating.	¥ 106 B -1.38%	¥ 5 B -49.93%	¥ -5 B -184.78%

Financial Timeline

Date	2012-12-31  (Third quarter )	2013-03-31  (Annual )	2013-06-30  (First quarter )	2013-09-30  (Second quarter )
Credit Rating	BB	C	BB	CCC
Total Assets	¥ 4.2 T	¥ 4.3 T	¥ 4.2 T	¥ 4.1 T
Net Assets	¥ 142 B	¥ 135 B	¥ 134 B	¥ 151 B

Financial Statement Risk Analysis: Kansai Urban Banking (Annual ) (Consolidated )

Special note

The change of Net income is going too far. The management situation is unstable.

The change of Operating cash flow is going too far. The management situation is unstable.

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

Management Risk (*Net Income & Operating Cash Flow is minus or 0 )
Net Income(¥ -5 B) & Operating Cash Flow (¥ -10 B) is minus or 0, so , there is a possibility that the management situation is very severe.

Management Risk (*Sales is decrease )
Sales (¥ 106 B) is first term Sales (¥ 107 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ -5 B) is first term Net Income (¥ 6 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-5.01％) is first term Net Profit Margin (5.82％) less , there is a possibility that the profitability has deteriorated.

Financing Risk (*Operating Cash Flow is minus or 0 ＆Sales & Net Income is decrease )
Sales (¥ 106 B) is first term Sales (¥ 107 B) less Net Income (¥ -5 B) is first term Net Income (¥ 6 B) less, however Operating Cash Flow (¥ -10 B) is compensated for Investment Cash Flow (¥ 99 B) etc. , there is a possibility that the financing is severe.

Dividend Risk
Under the situation of Net Income (¥ -5 B) & Operating Cash Flow (¥ -10 B), Dividend (¥ -3 B) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -10 B) is minus, Investment Cash Flow (¥ 99 B) is plus. Because the main occupation was dull, stock property may have been sold off.

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

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -8 B) & Operating Cash Flow (¥ -32 B) is a minus, Interest-bearing Debt (¥ 74 B) is first term Interest-bearing Debt (¥ 72 B) more , there is a possibility that the financing is very severe.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -32 B) and Investment Cash Flow (¥ -23 B) is minus, Net Income (¥ 6 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 (¥ 107 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 (¥ 97 B) is first term Gross Income (¥ 110 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend Risk
Under the situation of Net Income (¥ 6 B) & Operating Cash Flow (¥ -32 B), Dividend (¥ -3 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ -3 B) is Sales first term ratio (¥ -8 B) more , there is a possibility that the non-performing asset was increased.

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

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -13 B) and Investment Cash Flow (¥ -27 B) is minus, Net Income (¥ 5 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 (*Gross Income is decrease )
Gross Income (¥ 110 B) is first term Gross Income (¥ 138 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend Risk
Under the situation of Net Income (¥ 5 B) & Operating Cash Flow (¥ -13 B), Dividend (¥ -3 B) is paid.

Financing Risk (*Interest-bearing Debt more)
Operating Cash Flow (¥ -13 B) is a minus, Interest-bearing Debt (¥ 72 B) is first term Interest-bearing Debt (¥ 66 B) more , there is a possibility that the financing has deteriorated very much.

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

Management Risk (*Net Income & Operating Cash Flow is minus or 0 )
Net Income(¥ -24 B) & Operating Cash Flow (¥ -141 B) is minus or 0, so , there is a possibility that the management situation is very severe.

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -9 B) & Operating Cash Flow (¥ -141 B) is a minus, Interest-bearing Debt (¥ 66 B) is first term Interest-bearing Debt (¥ 61 B) more , there is a possibility that the financing is very severe.

Management Risk (*Sales is decrease )
Sales (¥ 99 B) is first term Sales (¥ 108 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 138 B) is first term Gross Income (¥ 146 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-24.32％) is first term Net Profit Margin (-22.94％) less , there is a possibility that the profitability has deteriorated.

Financing Risk (*Operating Cash Flow is minus or 0 ＆Sales is decrease )
Sales (¥ 99 B) is first term Sales (¥ 108 B) less, however Operating Cash Flow (¥ -141 B) is compensated for Investment Cash Flow (¥ 33 B) etc. , there is a possibility that the financing is severe.

Dividend Risk
Under the situation of Net Income (¥ -24 B) & Operating Cash Flow (¥ -141 B), Dividend (¥ -1 B) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -141 B) is minus, Investment Cash Flow (¥ 33 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 (¥ 25 B) is Sales first term ratio (¥ -9 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 (¥ 113 B) is Net Income (¥ -24 B) Operating Cash Flow (¥ -141 B) is a minus, Sales (¥ 99 B) more , there is a possibility of holding the non-performing asset.

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

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -24 B) is minus or 0, so , there is a possibility that the management situation is severe.

Financing Risk (*Issuance of new shares)
Investment Cash Flow (¥ 2 B) is a plus, Issuance of new shares (¥ 19 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 Risk
Under the situation of Net Income (¥ -24 B) & Operating Cash Flow (¥ 34 B), Dividend (¥ -2 B) is paid.

Credit Rating (Bankruptcy Risk): Kansai Urban Banking (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	CCC	Credit is fragile, and depended on biz environs.	¥ 96 B -1.99%	¥ 2 B -71.71%	¥ -6 B -216.24%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	CCC	BBB
Total Assets	-	-	¥ 4.2 T	¥ 4.1 T
Net Assets	-	-	¥ 120 B	¥ 151 B

Financial Statement Risk Analysis: Kansai Urban Banking (Annual ) (Non-Consolidated )

Special note

The change of Net income is going too far. The management situation is unstable.

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

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -6 B) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 96 B) is first term Sales (¥ 98 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ -6 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 (-6.44％) is first term Net Profit Margin (5.43％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ -6 B) & Operating Cash Flow (-) , Dividend (¥ -3 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 98 B) is first term Sales (¥ 105 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 90 B) is first term Gross Income (¥ 101 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 (¥ -3 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 333 M) is Sales first term ratio (¥ -7 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 101 B) is first term Gross Income (¥ 127 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 4 B) & Operating Cash Flow (-) , Dividend (¥ -3 B) is paid.

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

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -21 B) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 89 B) is first term Sales (¥ 96 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 127 B) is first term Gross Income (¥ 134 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ -21 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 (¥ 1 B) is Sales first term ratio (¥ -6 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 (¥ -24 B) is minus or 0, so , there is a possibility that the management situation is severe.

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

Related Information: Kansai Urban Banking (Annual )

Statement Type

Annual : Kansai Urban Banking

First quarter : Kansai Urban Banking

Second quarter : Kansai Urban Banking

Third quarter : Kansai Urban Banking

Analysis Menu

Outline : Kansai Urban Banking

Statement : Kansai Urban Banking

Rating : Kansai Urban Banking

Indicator : Kansai Urban Banking

Download : Kansai Urban Banking

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Comparison with a neighboring company

Osaka - EDIUNET Prefectures

Osaka大阪市 - 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
Kansai Urban Banking	8545	TSE 1st	Banks	3	Annual	C

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