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Credit Rating Analysis: Sumitomo Mitsui Banking (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): Sumitomo Mitsui Banking (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. ¥ 2.8 T
4.56%
¥ 928 B
8.25%
¥ 734 B
37.59%

Financial Timeline

Date  - 
(First quarter )
 - 
(Third quarter )
 2011-09-30 
(Second quarter )
 2013-03-31 
(Annual )
Credit Rating --CCBB
Total Assets
¥ 111.0 T
¥ 143.2 T
Net Assets
¥ 5.4 T
¥ 8.2 T

Financial Statement Risk Analysis: Sumitomo Mitsui Banking (Annual ) (Consolidated )

Special note
Net Assets have increased 5consecutive terms. The fiscal base is getting better.
[Date: 2013-03-31]  Danger : Warning : Caution : Good
Dividend Risk
Under the situation of Net Income (¥ 734 B) & Operating Cash Flow (¥ -170 B), Dividend (¥ -152 B) is paid.
Financing Risk (*Interest-bearing Debt more)
Operating Cash Flow (¥ -170 B) is a minus, Interest-bearing Debt (¥ 6.3 T) is first term Interest-bearing Debt (¥ 5.9 T) more , there is a possibility that the financing has deteriorated very much.
Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 2.8 T) is first term (¥ 2.6 T) more, however Operating Cash Flow (¥ -170 B) is first term (¥ 1.7 T) less , there is a possibility that the financing has deteriorated very much.
Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -170 B) is minus, Investment Cash Flow (¥ 1.5 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 (¥ 19.0 T) is Operating Cash Flow (¥ -170 B) is a minus, Sales (¥ 2.8 T) 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 (¥ 2.6 T) is first term Sales (¥ 2.7 T) less , there is a possibility that the management situation has stagnated and deteriorated
Management Risk (*Gross Income is decrease )
Gross Income (¥ 1.8 T) is first term Gross Income (¥ 1.9 T) less , there is a possibility that the management situation has stagnated and deteriorated
Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -2.5 T) & Financial Cash Flow (¥ -187 B) is a minus, Operating Cash Flow (¥ 1.7 T) is a plus,
Dividend
Under the situation of Net Income (¥ 533 B) & Operating Cash Flow (¥ 1.7 T) , Dividend (¥ -158 B) is paid.
Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -23 B) & Operating Cash Flow first term ratio (¥ -11.8 T) is a minus, Interest-bearing Debt (¥ 5.9 T) is first term Interest-bearing Debt (¥ 4.5 T) 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 (¥ 2.0 T) is Sales first term ratio (¥ -23 B) more , there is a possibility that the non-performing asset was increased.
[Date: 2011-03-31]  Danger : Warning : Caution : Good
Management Risk (*Gross Income is decrease )
Gross Income (¥ 1.9 T) is first term Gross Income (¥ 2.0 T) less , there is a possibility that the management situation has stagnated and deteriorated
Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -11.0 T) & Financial Cash Flow (¥ -329 B) is a minus, Operating Cash Flow (¥ 13.5 T) is a plus,
Dividend
Under the situation of Net Income (¥ 450 B) & Operating Cash Flow (¥ 13.5 T) , Dividend (¥ -191 B) is paid.
[Date: 2010-03-31]  Danger : Warning : Caution : Good
Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -409 B) & Operating Cash Flow (¥ -1.7 T) is a minus, Interest-bearing Debt (¥ 4.0 T) is first term Interest-bearing Debt (¥ 3.6 T) more , there is a possibility that the financing is very severe.
Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -1.7 T) and Investment Cash Flow (¥ -210 B) is minus, Net Income (¥ 332 B) is plus. Because it is unnatural that profits have come out in this situation, the possibility of holding the non-performing asset is very high.
Management Risk (*Sales is decrease )
Sales (¥ 2.5 T) is first term Sales (¥ 2.9 T) less , there is a possibility that the management situation has stagnated and deteriorated
Management Risk (*Gross Income is decrease )
Gross Income (¥ 2.0 T) is first term Gross Income (¥ 2.9 T) less , there is a possibility that the management situation has stagnated and deteriorated
Financing Risk (*Financial Cash Flow is plus )
Operating Cash Flow (¥ -1.7 T) is a minus, Financial Cash Flow (¥ 1.4 T) 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 (¥ 332 B) & Operating Cash Flow (¥ -1.7 T), Dividend (¥ -113 B) is paid.
Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 5.7 T) is Sales first term ratio (¥ -409 B) more , there is a possibility that the non-performing asset was increased.
Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 18.4 T) is Operating Cash Flow (¥ -1.7 T) is a minus, Sales (¥ 2.5 T) more , there is a possibility of holding the non-performing asset.
[Date: 2009-03-31]  Danger : Warning : Caution : Good
Management Risk (*Net Income is minus or 0 )
Net Income (¥ -317 B) is minus or 0, so , there is a possibility that the management situation is severe.
Dividend Risk
Under the situation of Net Income (¥ -317 B) & Operating Cash Flow (¥ 7.2 T), Dividend (¥ -93 B) is paid.
Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 12.7 T) is Net Income (¥ -317 B) is a minus, Sales (¥ 2.9 T) more , there is a possibility of holding the non-performing asset.

Ticker Market Industry Month report Rating
@ Sumitomo Mitsui Banking Banks 3 Annual BB

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