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Credit Rating (Bankruptcy Risk): Nissay Dowa General Insurance (Annual ) Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: Nissay Dowa General Insurance (Annual ) (Non-Consolidated )

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 382 B) is first term Gross Income (¥ 400 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend Risk
Under the situation of Net Income (¥ 3 B) & Operating Cash Flow (¥ -22 B), Dividend (¥ -3 B) is paid.

Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 392 B) is first term (¥ 383 B) more, however Operating Cash Flow (¥ -22 B) is first term (¥ -8 B) less , there is a possibility that the financing has deteriorated very much.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -22 B) is minus, Investment Cash Flow (¥ 15 B) is plus. Because the main occupation was dull, stock property may have been sold off.

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

Management Risk (*Net Income & Operating Cash Flow is minus or 0 )
Net Income(¥ -6 B) & Operating Cash Flow (¥ -8 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 (¥ -6 B) & Operating Cash Flow (¥ -8 B), Dividend (¥ -3 B) is paid.

Overinvestment Risk (*Intangible Assets confirmed content)
Operating Cash Flow (¥ -8 B) and Investment Cash Flow (¥ -10 B) is minus, so , there is a possibility of the overinvestment.