Free equity investment tool of Japanese companies

Credit Rating (Bankruptcy Risk): THE SAGA KYOUEI BANK (Second quarter ) Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: THE SAGA KYOUEI BANK (Second quarter ) (Non-Consolidated )

[Date: 2013-09-30]  Danger : Warning : Caution : Good

Management Risk (*Gross Income is decrease )
Gross Income (¥ 2 B) is first term Gross Income (¥ 2 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 549 M) & Operating Cash Flow (¥ 2 B) , Dividend (¥ -65 M) is paid.

[Date: 2012-09-30]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 2 B) is first term Sales (¥ 2 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 66 M) is first term Net Income (¥ 148 M) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (2.33％) is first term Net Profit Margin (5.18％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 66 M) & Operating Cash Flow (¥ 1 B) , Dividend (¥ -76 M) is paid.

[Date: 2011-09-30]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 2 B) is first term Sales (¥ 3 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 148 M) is first term Net Income (¥ 349 M) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (5.18％) is first term Net Profit Margin (11.47％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 148 M) & Operating Cash Flow (¥ 6 B) , Dividend (¥ -54 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ -77 M) is Sales first term ratio (¥ -188 M) more , there is a possibility that the non-performing asset was increased.

[Date: 2010-09-30]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 3 B) is first term Sales (¥ 3 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 2 B) is first term Gross Income (¥ 3 B) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 349 M) & Operating Cash Flow (¥ 5 B) , Dividend (¥ -54 M) is paid.

[Date: 2009-09-30]  Danger : Warning : Caution : Good

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -355 M) and Investment Cash Flow (¥ -3 B) is minus, Net Income (¥ 37 M) 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.

Dividend Risk
Under the situation of Net Income (¥ 37 M) & Operating Cash Flow (¥ -355 M), Dividend (¥ -54 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 4 B) is Operating Cash Flow (¥ -355 M) is a minus, Sales (¥ 3 B) more , there is a possibility of holding the non-performing asset.