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THE HOWA BANK

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

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	BB	Credit is a little enough, but be insufficient potential by biz environs.	¥ 11 B -7.46%	¥ 730 M -51.00%	¥ 738 M -51.57%

Financial Timeline

Date	2012-09-30  (Second quarter )	2012-12-31  (Third quarter )	2013-03-31  (Annual )	2013-06-30  (First quarter )
Credit Rating	BBB	BB	BB	BBB
Total Assets	¥ 552 B	¥ 538 B	¥ 539 B	¥ 546 B
Net Assets	¥ 19 B	¥ 19 B	¥ 19 B	¥ 19 B

Financial Statement Risk Analysis: THE HOWA 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 (¥ 11 B) is first term Sales (¥ 12 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 738 M) 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 (6.35％) is first term Net Profit Margin (12.14％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -10 B) & Financial Cash Flow (¥ -444 M) is a minus, Operating Cash Flow (¥ 16 B) is a plus,

Dividend
Under the situation of Net Income (¥ 738 M) & Operating Cash Flow (¥ 16 B) , Dividend (¥ -440 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ -524 M) is Sales first term ratio (¥ -938 M) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 11 B) is first term Gross Income (¥ 11 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -17 B) & Financial Cash Flow (¥ -449 M) is a minus, Operating Cash Flow (¥ 18 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 18 B) , Dividend (¥ -446 M) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 12 B) is first term Sales (¥ 12 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 11 B) is first term Gross Income (¥ 12 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Risk (*Operating Cash Flow is minus or 0 ＆Sales is decrease )
Sales (¥ 12 B) is first term Sales (¥ 12 B) less, however Operating Cash Flow (¥ -47 M) is compensated for Investment Cash Flow (¥ 863 M) etc. , there is a possibility that the financing is severe.

Dividend Risk
Under the situation of Net Income (¥ 989 M) & Operating Cash Flow (¥ -47 M), Dividend (¥ -463 M) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -47 M) is minus, Investment Cash Flow (¥ 863 M) 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 (¥ 943 M) is Sales first term ratio (¥ -557 M) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Current Profit is minus or 0 )
Current Profit (¥ -60 M) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 12 B) is first term Sales (¥ 13 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 12 B) is first term Gross Income (¥ 14 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 (¥ -184 M) is Sales first term ratio (¥ -1 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Current Profit & Operating Cash Flow is minus or 0 )
Current Profit(¥ -838 M) & Operating Cash Flow (¥ -9 B) is minus or 0, so , there is a possibility that the management situation is very severe.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -9 B) is minus, Investment Cash Flow (¥ 1 B) is plus. Because the main occupation was dull, stock property may have been sold off.

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

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	BB	Credit is a little enough, but be insufficient potential by biz environs.	¥ 11 B -7.07%	¥ 875 M -42.95%	¥ 787 M -49.68%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	BB	BBB
Total Assets	-	-	¥ 540 B	¥ 552 B
Net Assets	-	-	¥ 19 B	¥ 19 B

Financial Statement Risk Analysis: THE HOWA 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 (¥ 11 B) is first term Sales (¥ 12 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 787 M) 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 (6.78％) is first term Net Profit Margin (12.51％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 787 M) & Operating Cash Flow (-) , Dividend (¥ -440 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ -685 M) is Sales first term ratio (¥ -884 M) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 10 B) is first term Gross Income (¥ 10 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 (¥ -446 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 2 B) is Sales first term ratio (¥ 518 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 (¥ 11 B) is first term Sales (¥ 12 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 10 B) is first term Gross Income (¥ 12 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 986 M) & Operating Cash Flow (-) , Dividend (¥ -463 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 351 M) is Sales first term ratio (¥ -529 M) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Current Profit is minus or 0 )
Current Profit (¥ -78 M) is minus or 0, so , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 12 B) is first term Sales (¥ 13 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 12 B) is first term Gross Income (¥ 14 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 (¥ 452 M) is Sales first term ratio (¥ -1 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -210 M) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Management Risk (*Current Profit is minus or 0 )
Current Profit (¥ -892 M) is minus or 0, so , there is a possibility that the management situation is severe.

Related Information: THE HOWA BANK (Annual )

Statement Type

Annual : THE HOWA BANK

First quarter : THE HOWA BANK

Second quarter : THE HOWA BANK

Third quarter : THE HOWA BANK

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Statement : THE HOWA BANK

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Comparison with a neighboring company

Oita - EDIUNET Prefectures

Oita大分市 - 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 HOWA BANK	8559	FSE	Banks	3	Annual	BB

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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. .