JP-listed companies
Concordia Financial Group, Ltd.

Concordia Financial Group, Ltd.JP:7186

Market cap

¥1.1T

P/E ratio

19.5x

Income statement Balance sheet Cash flow

	Mar 31, 2017	Mar 31, 2018	Mar 31, 2019	Mar 31, 2020	Mar 31, 2021	Mar 31, 2022	Mar 31, 2023
Ordinary income	329,476	327,600	306,494	306,236	291,729	286,979	312,983
Interest income	183,219	202,231	185,526	172,748	164,711	172,123	197,061
Interest on loans and discounts	146,355	143,042	143,336	140,965	139,171	141,246	156,255
Interest and dividends on securities	29,697	50,926	29,961	22,253	20,945	22,915	27,808
Interest on call loans and bills bought	2,900	3,212	5,523	4,010	564	257	1,391
Interest on deposits with banks	1,879	2,475	2,939	2,776	2,543	5,595	6,732
Other interest income	2,386	2,574	3,766	2,742	1,486	2,109	4,874
Trust fees	-	-	-	99	245	252	266
Fees and commissions	63,473	67,087	62,717	63,499	66,706	68,671	70,670
Gain on trading account transactions	2,491	3,079	2,046	2,156	2,782	3,218	1,317
Other ordinary income	66,873	42,384	39,427	45,880	44,723	34,611	35,797
Other income	13,418	12,818	16,777	21,852	12,560	8,100	7,869
Recoveries of written off receivables	2,577	1,977	2,211	2,072	1,743	1,677	2,342
Other	7,533	10,840	14,566	19,780	10,816	6,423	5,526
Ordinary expenses	232,308	229,578	226,121	234,882	250,324	204,722	233,112
Interest expenses	10,956	12,390	18,880	17,016	6,154	5,409	29,247
Interest on deposits	5,587	6,740	10,742	7,948	2,466	2,139	10,809
Interest on negotiable certificates of deposit	43	22	20	25	26	19	18
Interest on call money and bills sold	557	581	2,069	2,207	503	480	2,984
Interest expenses on securities sold under repurchase agreements	-	7	124	448	53	16	566
Interest expenses on cash collateral received for securities lent	1,189	1,084	936	1,334	193	243	2,876
Interest on borrowings and rediscounts	918	1,197	2,096	2,105	964	403	2,896
Interest expenses on bonds	150	107	183	301	428	477	371
Other interest expenses	2,509	2,647	2,706	2,645	1,518	1,629	8,723
Fees and commissions payments	14,351	13,889	14,879	14,545	14,942	14,998	14,515
Loss on trading account transactions	2	-	-	-	-	4	15
Other ordinary expenses	59,092	53,435	39,367	36,943	56,139	37,136	44,899
General and administrative expenses	135,120	133,895	133,012	134,818	136,888	131,131	125,540
Other expenses	12,784	15,967	19,981	31,558	36,198	16,040	18,895
Provision of allowance for loan losses	-	3,528	5,088	16,419	26,003	5,142	12,021
Other	12,784	12,438	14,892	15,138	10,195	10,898	6,873
Ordinary profit (loss)	97,168	98,022	80,373	71,354	41,405	82,257	79,870
Extraordinary income	60,694	141	295	102	104	546	2,910
Gain on disposal of non-current assets	347	141	-	102	104	546	755
Gain on return of assets from retirement benefit trust	-	-	-	-	-	-	2,154
Extraordinary losses	1,337	861	1,353	2,815	5,194	4,219	2,247
Loss on disposal of non-current assets	949	859	1,158	2,313	3,315	3,963	2,054
Impairment losses	387	-	195	501	1,872	255	193
Other	-	1	-	-	6	-	-
Interest expenses on bonds	150	107	183	301	428	477	371
Profit (loss) before income taxes	156,525	97,302	79,314	68,641	36,315	78,584	80,533
Ordinary profit (loss)	97,168	98,022	80,373	71,354	41,405	82,257	79,870
Income taxes - current	26,037	30,001	22,434	25,345	14,034	21,954	24,279
Loss on disposal of non-current assets	949	859	1,158	2,313	3,315	3,963	2,054
Extraordinary losses	1,337	861	1,353	2,815	5,194	4,219	2,247
Loss on disposal of non-current assets	949	859	1,158	2,313	3,315	3,963	2,054
Impairment losses	387	-	195	501	1,872	255	193
Other	-	1	-	-	6	-	-
Income taxes - deferred	3,051	334	2,412	-3,511	-3,730	2,284	48
Profit (loss) before income taxes	156,525	97,302	79,314	68,641	36,315	78,584	80,533
Income taxes	29,089	30,335	24,847	21,834	10,303	24,238	24,327
Income taxes - current	26,037	30,001	22,434	25,345	14,034	21,954	24,279
Profit (loss)	127,436	66,966	54,467	46,807	26,011	54,345	56,205
Income taxes - deferred	3,051	334	2,412	-3,511	-3,730	2,284	48
Profit (loss) attributable to non-controlling interests	779	552	181	271	685	464	45
Income taxes	29,089	30,335	24,847	21,834	10,303	24,238	24,327
Profit (loss) attributable to owners of parent	126,656	66,413	54,285	46,536	25,326	53,881	56,159
Profit (loss)	127,436	66,966	54,467	46,807	26,011	54,345	56,205