- JP-listed companies
- SBI Sumishin Net Bank, Ltd.
SBI Sumishin Net Bank, Ltd.JP:7163
Market cap
¥461.4B
P/E ratio
19.4x
| Mar 31, 2013 | Mar 31, 2014 | Mar 31, 2015 | Mar 31, 2016 | Mar 31, 2017 | Mar 31, 2018 | Mar 31, 2021 | Mar 31, 2022 | Mar 31, 2023 | Mar 31, 2024 | |
| Profit (loss) before income taxes | 7,847 | 11,701 | 15,186 | 12,268 | 14,593 | 15,237 | 20,061 | 22,877 | 29,030 | 35,604 |
| Depreciation | 2,318 | 1,748 | 2,253 | 2,877 | 3,442 | 3,614 | 4,281 | 4,509 | 5,921 | 7,343 |
| Impairment losses | 49 | 26 | 21 | 42 | 91 | 88 | 727 | 385 | 242 | 598 |
| Share of loss (profit) of entities accounted for using equity method | - | - | - | - | - | - | -24 | -54 | -73 | -59 |
| Amortization of goodwill | - | - | - | - | - | - | 360 | 800 | 800 | 360 |
| Increase (decrease) in allowance for loan losses | 190 | 193 | 245 | 213 | 110 | 133 | 214 | 78 | 446 | -151 |
| Increase (decrease) in provision for bonuses | - | - | 35 | 23 | 40 | 57 | -10 | 319 | -83 | 409 |
| Increase (decrease) in reserve for financial instruments transaction liabilities | - | - | - | - | - | - | - | - | 2 | - |
| Increase (decrease) in provision for retirement benefits for directors (and other officers) | - | - | - | - | - | - | 33 | -321 | -122 | - |
| Increase (decrease) in provision for reimbursement of deposits | - | - | - | - | - | - | - | 14 | - | 4 |
| Increase (decrease) in provision for point card certificates | - | - | - | - | - | - | 123 | 124 | 188 | 227 |
| Interest income | -26,960 | -31,356 | -35,674 | -36,133 | -33,964 | -36,486 | -41,396 | -42,401 | -47,481 | -54,314 |
| Interest expenses | 9,707 | 10,471 | 11,484 | 8,815 | 6,134 | 7,071 | 6,263 | 5,804 | 6,706 | 10,861 |
| Loss (gain) related to securities | -1,168 | -2,825 | -5,066 | -825 | -1,617 | -1,783 | -2,154 | -2,486 | -444 | -1,261 |
| Loss (gain) on money held in trust | - | - | 12 | 14 | 13 | 12 | 14 | 11 | 9 | 9 |
| Loss (gain) on disposal of non-current assets | - | - | 12 | - | 16 | 74 | 1 | 2 | 2 | 1 |
| Net decrease (increase) in loans and bills discounted | -175,651 | -258,312 | -429,906 | -257,588 | -273,635 | -833,061 | -523,831 | -806,144 | -1,204,039 | -1,377,881 |
| Net increase (decrease) in deposits | 408,326 | 385,692 | 499,329 | -129,538 | 559,680 | 419,051 | 900,264 | 820,887 | 862,827 | 1,487,718 |
| Net increase (decrease) in borrowed money (excluding subordinated borrowings) | - | - | 265,616 | 32,383 | -50,000 | 150,000 | 170,000 | 189,766 | -486,400 | 500,000 |
| Net decrease (increase) in call loans | - | 68,140 | 29,432 | 35,003 | - | -27,000 | -24,981 | -6,759 | 45,668 | 35,367 |
| Net increase (decrease) in call money | - | - | 7,896 | 58,577 | -60,670 | -2,346 | -285,000 | -31,000 | 14,000 | -48,000 |
| Net increase (decrease) in cash collateral received for securities lent | -1,997 | 74,887 | 90,476 | -165,363 | 10,441 | 10,703 | 30,784 | 292,823 | -223,963 | -601 |
| Net decrease (increase) in foreign exchanges - assets | 4,213 | -2,096 | -5,630 | 5,387 | 1,872 | -13,402 | -10,103 | -559 | 13,867 | -1,238 |
| Net increase (decrease) in foreign exchanges - liabilities | 121 | 69 | 164 | 68 | -134 | 187 | 616 | 788 | -725 | 4,830 |
| Interest received | 30,007 | 36,115 | 39,089 | 39,292 | 36,198 | 37,367 | 42,134 | 43,414 | 48,780 | 54,545 |
| Interest paid | -10,173 | -10,526 | -12,842 | -9,467 | -6,350 | -7,279 | -7,380 | -5,997 | -5,126 | -8,556 |
| Loss (gain) on sale of businesses | - | - | - | - | - | - | - | - | - | -1,529 |
| Other, net | 3,125 | 570 | -11,564 | 12,047 | -35,571 | -11,824 | -7,334 | -17,526 | -4,066 | -81,894 |
| Subtotal | 260,357 | 192,808 | 474,496 | -398,429 | 189,612 | -301,085 | 273,664 | 469,355 | -944,031 | 562,393 |
| Income taxes paid | -1,200 | -4,395 | -5,237 | -5,893 | -3,088 | -5,622 | -5,555 | -7,208 | -5,756 | -11,217 |
| Net cash provided by (used in) operating activities | 259,156 | 188,412 | 469,258 | -404,323 | 186,523 | -306,708 | 268,109 | 462,147 | -949,788 | 551,176 |
| Purchase of securities | -1,429,409 | -1,446,361 | -1,209,311 | -686,265 | -1,052,694 | -476,632 | -765,496 | -742,144 | -423,064 | -307,070 |
| Proceeds from sale of securities | 692,420 | 983,846 | 1,022,142 | 990,402 | 1,050,880 | 569,207 | 573,955 | 349,860 | 626,906 | 149,330 |
| Proceeds from redemption of securities | 466,423 | 329,743 | 251,966 | 142,763 | 145,661 | 96,202 | 159,706 | 197,572 | 118,885 | 182,392 |
| Purchase of stocks of equity method affiliate | - | - | - | - | - | -115 | - | - | - | -1,242 |
| Decrease in money held in trust | 1,000 | 3,800 | 7 | 3,500 | 1,500 | - | - | - | 500 | 500 |
| Purchase of property, plant and equipment | -275 | -445 | -467 | -256 | -212 | -373 | -3,029 | -365 | -416 | -179 |
| Proceeds from sale of property, plant and equipment | - | - | - | - | - | - | - | - | - | 16 |
| Purchase of intangible assets | -1,859 | -3,667 | -5,987 | -3,740 | -2,016 | -3,319 | -5,111 | -10,534 | -10,048 | -9,557 |
| Proceeds from sale of businesses | - | - | - | - | - | - | - | - | - | 1,161 |
| Net cash provided by (used in) investing activities | -275,699 | -138,584 | 55,843 | 444,814 | 142,117 | 184,969 | -39,804 | -205,611 | 312,762 | 15,351 |
| Purchase of treasury shares | - | - | - | - | - | - | - | - | - | -177 |
| Dividends paid | - | - | - | - | - | - | - | - | -30,000 | -1,130 |
| Proceeds from share issuance to non-controlling shareholders | - | - | - | - | - | - | - | - | 45 | - |
| Purchase of shares of subsidiaries not resulting in change in scope of consolidation | - | - | - | - | - | - | - | -632 | - | -85 |
| Net cash provided by (used in) financing activities | 15,000 | 11,000 | - | - | - | -15,000 | - | -632 | -29,955 | -1,393 |
| Net increase (decrease) in cash and cash equivalents | -1,542 | 60,828 | 525,102 | 40,490 | 328,641 | -136,738 | 228,304 | 255,903 | -666,980 | 565,133 |