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Credit Rating Analysis: THE SAIKYO 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 SAIKYO 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.	¥ 23 B 4.15%	¥ 3 B 16.81%	¥ 1 B 21.12%

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	BBB
Total Assets	¥ 974 B	¥ 1.0 T	¥ 1.0 T	¥ 1.0 T
Net Assets	¥ 36 B	¥ 41 B	¥ 40 B	¥ 42 B

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

Special note

Net sales has increased 5 consecutive terms. The performance is good.

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

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

Financing Risk (*Financial Cash Flow is plus )
Operating Cash Flow (¥ -23 B) is a minus, Financial Cash Flow (¥ 6 B) is a plus. Because sale is inactive, it may depend for financing on loan from banks, capital increase, etc.

Dividend Risk
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ -23 B), Dividend (¥ -536 M) is paid.

Financing Risk (*Interest-bearing Debt more)
Operating Cash Flow (¥ -23 B) is a minus, Interest-bearing Debt (¥ 11 B) is first term Interest-bearing Debt (¥ 5 B) more , there is a possibility that the financing has deteriorated very much.

Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 23 B) is first term (¥ 22 B) more, however Operating Cash Flow (¥ -23 B) is first term (¥ 114 B) less , there is a possibility that the financing has deteriorated very much.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -23 B) is minus, Investment Cash Flow (¥ 29 B) is plus. Because the main occupation was dull, stock property may have been sold off.

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 20 B) is first term Gross Income (¥ 20 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -44 B) & Financial Cash Flow (¥ -544 M) is a minus, Operating Cash Flow (¥ 114 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 114 B) , Dividend (¥ -540 M) is paid.

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

Management Risk (*Net Income is decrease )
Net Income (¥ 1 B) is first term Net Income (¥ 1 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (4.76％) is first term Net Profit Margin (5.55％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -26 B) & Financial Cash Flow (¥ -2 B) is a minus, Operating Cash Flow (¥ 27 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 27 B) , Dividend (¥ -612 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 11 B) is Sales first term ratio (¥ 394 M) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Net Income is decrease )
Net Income (¥ 1 B) is first term Net Income (¥ 1 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (5.55％) is first term Net Profit Margin (6.47％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -26 B) & Financial Cash Flow (¥ -518 M) is a minus, Operating Cash Flow (¥ 11 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 11 B) , Dividend (¥ -517 M) is paid.

[Date: 2009-03-31]

*Financial Statement Risk was not found.

Credit Rating (Bankruptcy Risk): THE SAIKYO 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.	¥ 23 B 4.12%	¥ 2 B 16.52%	¥ 1 B 23.34%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	A	A
Total Assets	-	-	¥ 1.0 T	¥ 1.0 T
Net Assets	-	-	¥ 41 B	¥ 42 B

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

Special note

Net sales has increased 5 consecutive terms. The performance is good.

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

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

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (-) , Dividend (¥ -536 M) is paid.

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 20 B) is first term Gross Income (¥ 20 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (-) , Dividend (¥ -540 M) is paid.

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

Management Risk (*Net Income is decrease )
Net Income (¥ 1 B) is first term Net Income (¥ 1 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (4.73％) is first term Net Profit Margin (5.68％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (-) , Dividend (¥ -612 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 12 B) is Sales first term ratio (¥ 756 M) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Net Income is decrease )
Net Income (¥ 1 B) is first term Net Income (¥ 1 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (5.68％) is first term Net Profit Margin (6.78％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (-) , Dividend (¥ -517 M) is paid.

[Date: 2009-03-31]

*Financial Statement Risk was not found.

Related Information: THE SAIKYO BANK (Annual )

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Annual : THE SAIKYO BANK

First quarter : THE SAIKYO BANK

Second quarter : THE SAIKYO BANK

Third quarter : THE SAIKYO BANK

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Yamaguchi - 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)

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Company Information

Ticker	Market	Industry	Month	report	Rating
THE SAIKYO BANK			Banks	3	Annual	BBB

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*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. .