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Credit Rating Analysis: The Bank of Iwate (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 Iwate (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.	¥ 45 B -1.46%	¥ 11 B 15.14%	¥ 6 B 30.75%

Financial Timeline

Date	2012-12-31  (Third quarter )	2013-03-31  (Annual )	2013-06-30  (First quarter )	2013-09-30  (Second quarter )
Credit Rating	BBB	BBB	A	A
Total Assets	¥ 3.0 T	¥ 3.5 T	¥ 3.4 T	¥ 3.2 T
Net Assets	¥ 154 B	¥ 167 B	¥ 163 B	¥ 167 B

Financial Statement Risk Analysis: The Bank of Iwate (Annual ) (Consolidated )

Special note

Net sales has dropped 5 consecutive terms. The business have high risk.

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

Management Risk (*Sales is decrease )
Sales (¥ 45 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 (¥ 35 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -112 B) & Financial Cash Flow (¥ -11 B) is a minus, Operating Cash Flow (¥ 249 B) is a plus,

Dividend
Under the situation of Net Income (¥ 6 B) & Operating Cash Flow (¥ 249 B) , Dividend (¥ -1 B) is paid.

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

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 35 B) is first term Gross Income (¥ 37 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -90 B) & Financial Cash Flow (¥ -12 B) is a minus, Operating Cash Flow (¥ 264 B) is a plus,

Dividend
Under the situation of Net Income (¥ 4 B) & Operating Cash Flow (¥ 264 B) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 212 B) is Sales first term ratio (¥ -920 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 (¥ 46 B) is first term Sales (¥ 50 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 1 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 (2.37％) is first term Net Profit Margin (10.29％) less , there is a possibility that the profitability has deteriorated.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -77 B) & Financial Cash Flow (¥ -3 B) is a minus, Operating Cash Flow (¥ 121 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 121 B) , Dividend (¥ -1 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 50 B) is first term Sales (¥ 54 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 42 B) is first term Gross Income (¥ 63 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 (¥ -2 B) is a minus, Operating Cash Flow (¥ 44 B) is a plus,

Dividend
Under the situation of Net Income (¥ 5 B) & Operating Cash Flow (¥ 44 B) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 14 B) is Sales first term ratio (¥ -3 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 (¥ -4 B) is minus or 0, so , there is a possibility that the management situation is severe.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -4 B) & Financial Cash Flow (¥ -6 B) is a minus, Operating Cash Flow (¥ 7 B) is a plus,

Dividend Risk
Under the situation of Net Income (¥ -4 B) & Operating Cash Flow (¥ 7 B), Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 104 B) is Net Income (¥ -4 B) is a minus, Sales (¥ 54 B) more , there is a possibility of holding the non-performing asset.

Credit Rating (Bankruptcy Risk): The Bank of Iwate (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.	¥ 45 B -1.50%	¥ 11 B 15.07%	¥ 6 B 30.61%

Financial Timeline

Date	-  (First quarter )	-  (Third quarter )	2013-03-31  (Annual )	2013-09-30  (Second quarter )
Credit Rating	-	-	BBB	A
Total Assets	-	-	¥ 3.5 T	¥ 3.2 T
Net Assets	-	-	¥ 167 B	¥ 167 B

Financial Statement Risk Analysis: The Bank of Iwate (Annual ) (Non-Consolidated )

Special note

Net sales has dropped 5 consecutive terms. The business have high risk.

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

Management Risk (*Sales is decrease )
Sales (¥ 45 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 (¥ 35 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 6 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

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

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 35 B) is first term Gross Income (¥ 37 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 (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 229 B) is Sales first term ratio (¥ -937 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 (¥ 46 B) is first term Sales (¥ 50 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 1 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 (2.42％) is first term Net Profit Margin (10.31％) less , there is a possibility that the profitability has deteriorated.

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

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

Management Risk (*Sales is decrease )
Sales (¥ 50 B) is first term Sales (¥ 54 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 42 B) is first term Gross Income (¥ 63 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.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 16 B) is Sales first term ratio (¥ -3 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 (¥ -4 B) is minus or 0, so , there is a possibility that the management situation is severe.

Dividend
Under the situation of Net Income (¥ -4 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 78 B) is Net Income (¥ -4 B) is a minus, Sales (¥ 54 B) more , there is a possibility of holding the non-performing asset.

Related Information: The Bank of Iwate (Annual )

Statement Type

Annual : The Bank of Iwate

First quarter : The Bank of Iwate

Second quarter : The Bank of Iwate

Third quarter : The Bank of Iwate

Analysis Menu

Outline : The Bank of Iwate

Statement : The Bank of Iwate

Rating : The Bank of Iwate

Indicator : The Bank of Iwate

Download : The Bank of Iwate

Industry Comparison Ranking

Banks - EDIUNET Industry Rankings

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Comparison with a neighboring company

Iwate - EDIUNET Prefectures

Iwate盛岡市 - 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 Iwate	8345	TSE 1st	Banks	3	Annual	BBB

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The Nanto Bank (Sales ¥ 88 B)

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