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Credit Rating (Bankruptcy Risk): Resona Holdings (Annual ) Consolidated | Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: Resona Holdings (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 (¥ 832 B) is first term Sales (¥ 850 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 547 B) is first term Gross Income (¥ 575 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 (¥ 832 B) is first term Sales (¥ 850 B) less, however Operating Cash Flow (¥ -538 B) is compensated for Investment Cash Flow (¥ 1.3 T) etc. , there is a possibility that the financing is severe.

Dividend Risk
Under the situation of Net Income (¥ 275 B) & Operating Cash Flow (¥ -538 B), Dividend (¥ -46 B) is paid.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -538 B) is minus, Investment Cash Flow (¥ 1.3 T) 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 (¥ 2.4 T) is Operating Cash Flow (¥ -538 B) is a minus, Sales (¥ 832 B) more , there is a possibility of holding the non-performing asset.

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

Management Risk (*Sales is decrease )
Sales (¥ 850 B) is first term Sales (¥ 859 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 575 B) is first term Gross Income (¥ 649 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 253 B) & Operating Cash Flow (¥ 1.1 T) , Dividend (¥ -46 B) is paid.

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -9 B) & Operating Cash Flow first term ratio (¥ -2.3 T) is a minus, Interest-bearing Debt (¥ 797 B) is first term Interest-bearing Debt (¥ 678 B) more , there is a possibility that the financing has deteriorated very much.

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

Financing Risk (*Issuance of new shares)
Financial Cash Flow (¥ -909 B) is a minus, Issuance of new shares (¥ 547 B) is plus. Because a possibility of having appropriated the capital-increase fund for repayment of borrowed money is high , there is a possibility that the financing is extremely severe.

Management Risk (*Sales is decrease )
Sales (¥ 859 B) is first term Sales (¥ 875 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 649 B) is first term Gross Income (¥ 722 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -1.1 T) & Financial Cash Flow (¥ -909 B) is a minus, Operating Cash Flow (¥ 3.4 T) is a plus,

Dividend
Under the situation of Net Income (¥ 160 B) & Operating Cash Flow (¥ 3.4 T) , Dividend (¥ -44 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 39 B) is Sales first term ratio (¥ -15 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Sales is decrease )
Sales (¥ 875 B) is first term Sales (¥ 979 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 722 B) is first term Gross Income (¥ 864 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 132 B) & Operating Cash Flow (¥ 1.0 T) , Dividend (¥ -49 B) is paid.

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -104 B) & Operating Cash Flow first term ratio (¥ -444 B) is a minus, Interest-bearing Debt (¥ 850 B) is first term Interest-bearing Debt (¥ 825 B) more , there is a possibility that the financing has deteriorated very much.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 145 B) is Sales first term ratio (¥ -104 B) more , there is a possibility that the non-performing asset was increased.

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

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -1.1 T) & Financial Cash Flow (¥ -356 B) is a minus, Operating Cash Flow (¥ 1.4 T) is a plus,

Dividend
Under the situation of Net Income (¥ 123 B) & Operating Cash Flow (¥ 1.4 T) , Dividend (¥ -44 B) is paid.

Credit Rating (Bankruptcy Risk): Resona Holdings (Annual ) Consolidated | Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: Resona Holdings (Annual ) (Non-Consolidated )

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 7 B) is first term Gross Income (¥ 7 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 237 B) & Operating Cash Flow (-) , Dividend (¥ -46 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 184 B) is Sales first term ratio (¥ 86 B) more , there is a possibility that the non-performing asset was increased.

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

Dividend
Under the situation of Net Income (¥ 151 B) & Operating Cash Flow (-) , Dividend (¥ -46 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 31 B) is first term Sales (¥ 39 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 26 B) is first term Net Income (¥ 34 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (83.57％) is first term Net Profit Margin (89.58％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 26 B) & Operating Cash Flow (-) , Dividend (¥ -44 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 39 B) is first term Sales (¥ 185 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 34 B) is first term Net Income (¥ 174 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (89.58％) is first term Net Profit Margin (93.82％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 34 B) & Operating Cash Flow (-) , Dividend (¥ -49 B) is paid.

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

Dividend
Under the situation of Net Income (¥ 174 B) & Operating Cash Flow (-) , Dividend (¥ -44 B) is paid.