Chugin Financial Group, Inc.JP:5832
| Mar 31,
2023 | Mar 31,
2024 |
|---|
| Profit (loss) before income taxes | 29,518 | 30,899 |
|---|
| Depreciation | 3,177 | 3,312 |
|---|
| Impairment losses | 55 | 122 |
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| Share-based payment expenses | 39 | 97 |
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| Provision of allowance for doubtful accounts | 5,717 | 8,942 |
|---|
| Increase (decrease) in provision for bonuses | 67 | 26 |
|---|
| Increase (decrease) in provision for bonuses for directors (and other officers) | - | 18 |
|---|
| Increase (decrease) in retirement benefit liability | -290 | 288 |
|---|
| Increase (decrease) in provision for retirement benefits for directors (and other officers) | 2 | 5 |
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| Increase (decrease) in provision for reimbursement of deposits | 190 | 550 |
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| Increase (decrease) in provision for point card certificates | 6 | 18 |
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| Interest income | -93,157 | -124,120 |
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| Interest expenses | 28,134 | 61,843 |
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| Loss (gain) related to securities | 1,745 | -5,713 |
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| Loss (gain) on money held in trust | 297 | 134 |
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| Foreign exchange losses (gains) | -36,402 | -49,425 |
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| Loss (gain) on disposal of non-current assets | 1 | 7 |
|---|
| Net decrease (increase) in trading securities | 811 | 1,005 |
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| Decrease (increase) in other assets | -14,065 | -34,707 |
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| Net decrease (increase) in lease receivables and investments in leases | -1,606 | -3,446 |
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| Increase (decrease) in other liabilities | 21,106 | 14,421 |
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| Net decrease (increase) in loans and bills discounted | -300,191 | -678,242 |
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| Net increase (decrease) in deposits | 247,526 | 313,518 |
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| Net increase (decrease) in negotiable certificates of deposit | -55,678 | -57,468 |
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| Net increase (decrease) in borrowed money (excluding subordinated borrowings) | -353,291 | 423,263 |
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| Net decrease (increase) in call loans | 265,676 | -14,677 |
|---|
| Net increase (decrease) in payables under repurchase agreements | -97,093 | 64,108 |
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| Net increase (decrease) in call money | 69,278 | -34,964 |
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| Net increase (decrease) in cash collateral received for securities lent | -164,925 | 180,619 |
|---|
| Net decrease (increase) in due from banks (excluding due from Bank of Japan) | -256 | 1,440 |
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| Net increase (decrease) in commercial papers | -8,486 | -46,530 |
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| Net decrease (increase) in foreign exchanges - assets | -8,459 | 664 |
|---|
| Net increase (decrease) in foreign exchanges - liabilities | -133 | -51 |
|---|
| Net increase (decrease) in borrowed money from trust account | 1,560 | 1,492 |
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| Interest received | 91,567 | 120,079 |
|---|
| Interest paid | -28,113 | -52,933 |
|---|
| Subtotal | -395,694 | 124,599 |
|---|
| Income taxes paid | -7,787 | -9,008 |
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| Income taxes refund | - | 4 |
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| Net cash provided by (used in) operating activities | -403,482 | 115,595 |
|---|
| Purchase of securities | -1,390,078 | -806,215 |
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| Proceeds from sale of securities | 1,273,089 | 413,801 |
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| Proceeds from redemption of securities | 280,810 | 205,573 |
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| Increase in money held in trust | -7,323 | -7,562 |
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| Decrease in money held in trust | 10,025 | 28 |
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| Purchase of property, plant and equipment | -2,143 | -3,500 |
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| Proceeds from sale of property, plant and equipment | 562 | 524 |
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| Purchase of intangible assets | -642 | -1,044 |
|---|
| Net cash provided by (used in) investing activities | 164,298 | -198,394 |
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| Dividends paid | -5,651 | -5,678 |
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| Purchase of treasury shares | -1,941 | -2,000 |
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| Repayments of lease liabilities | -251 | -251 |
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| Proceeds from sale of treasury shares | - | - |
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| Proceeds from exercise of employee share options | - | - |
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| Net cash provided by (used in) financing activities | -7,844 | -7,930 |
|---|
| Net increase (decrease) in cash and cash equivalents | -247,028 | -90,729 |
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