JP-listed companies
San ju San Financial Group,Inc

San ju San Financial Group,IncJP:7322

Market cap

¥44.2B

P/E ratio

23.4x

Income statement Balance sheet Cash flow

	Mar 31, 2018	Mar 31, 2019	Mar 31, 2020	Mar 31, 2021	Mar 31, 2022	Mar 31, 2023	Mar 31, 2024
Cash and due from banks	-	265,670	215,943	535,489	903,101	347,344	432,515
Cash and deposits	-	-	-	-	-	790	1,074
Prepaid expenses	-	-	-	-	-	9	9
Income taxes refund receivable	-	-	-	-	-	433	173
Other	-	-	-	-	-	-	-
Current assets	-	-	-	-	-	1,232	1,256
Monetary claims bought	-	2,643	4,232	2,301	1,204	1,185	1,436
Trademark right	-	-	-	-	-	2	1
Intangible assets	-	5,851	8,640	10,488	9,889	7,645	5,571
Software	-	5,536	5,183	4,377	9,559	7,386	5,255
Software in progress	-	351	3,158	5,830	105	88	145
Other	-	268	266	263	221	170	170
Shares of subsidiaries and associates	-	-	-	-	-	128,903	128,903
Leasehold deposits	-	-	-	-	-	85	85
Deferred tax assets	-	504	652	593	2,796	5,651	592
Investments and other assets	-	-	-	-	-	128,992	128,993
Non-current assets	-	-	-	-	-	128,994	128,994
Trading securities	-	1,313	1,212	983	656	572	99
Assets	-	4,070,967	3,936,933	4,312,845	4,636,016	4,285,761	4,434,950
Money held in trust	-	2,342	-	-	-	40,000	-
Securities	-	985,328	879,376	842,422	830,670	922,896	955,694
Loans and bills discounted	-	2,709,470	2,709,768	2,801,203	2,776,098	2,852,066	2,928,955
Foreign exchanges	-	7,174	7,758	8,332	8,479	7,937	5,165
Lease receivables and investments in leases	-	26,421	30,353	29,426	27,808	27,366	28,227
Other assets	-	41,807	57,888	65,515	60,424	57,916	58,382
Property, plant and equipment	-	26,881	27,283	25,208	23,961	22,342	22,750
Buildings, net	-	8,457	8,338	7,929	8,548	9,056	9,669
Land	-	14,818	14,484	11,332	10,699	8,957	8,333
Leased assets, net	-	3	6	6	4	2	-
Construction in progress	-	10	473	1,320	278	176	901
Other, net	-	3,591	3,979	4,619	4,430	4,149	3,844
Intangible assets	-	5,851	8,640	10,488	9,889	7,645	5,571
Software	-	5,536	5,183	4,377	9,559	7,386	5,255
Software in progress	-	351	3,158	5,830	105	88	145
Other	-	268	266	263	221	170	170
Retirement benefit asset	-	4,361	3,455	4,940	2,562	1,643	3,614
Deferred tax assets	-	504	652	593	2,796	5,651	592
Customers' liabilities for acceptances and guarantees	-	11,407	9,895	12,204	12,147	15,342	13,048
Allowance for loan losses	-	-21,068	-20,252	-27,151	-24,767	-24,149	-21,104
Assets	-	4,070,967	3,936,933	4,312,845	4,636,016	4,285,761	4,434,950
Deposits	-	3,523,366	3,465,927	3,697,464	3,705,296	3,753,835	3,806,565
Accrued expenses	-	-	-	-	-	1	1
Provision for bonuses	-	1,243	1,218	1,237	1,086	969	977
Other	-	-	-	-	-	77	99
Current liabilities	-	-	-	-	-	86	108
Negotiable certificates of deposit	-	80,002	83,302	80,402	73,802	74,402	81,202
Long-term deposits received	-	-	-	-	-	387	369
Non-current liabilities	-	-	-	-	-	387	369
Borrowed money	-	126,138	110,513	243,487	578,134	208,155	291,345
Liabilities	-	3,826,630	3,709,468	4,074,354	4,406,380	4,090,741	4,221,804
Foreign exchanges	-	26	21	35	15	1	3
Other liabilities	-	26,088	30,152	31,908	33,847	36,108	25,258
Provision for bonuses	-	1,243	1,218	1,237	1,086	969	977
Retirement benefit liability	-	1,574	942	891	129	129	134
Provision for retirement benefits for directors (and other officers)	-	136	172	173	40	50	65
Provision for share awards	-	-	117	179	182	170	207
Provision for reimbursement of deposits	-	410	318	324	241	210	173
Provision for contingent loss	-	850	850	810	567	685	684
Deferred tax liabilities	-	15,283	6,034	5,232	889	679	2,136
Acceptances and guarantees	-	11,407	9,895	12,204	12,147	15,342	13,048
Liabilities	-	3,826,630	3,709,468	4,074,354	4,406,380	4,090,741	4,221,804
Share capital	-	10,000	10,000	10,000	10,000	10,000	10,000
Share capital	-	10,000	10,000	10,000	10,000	10,000	10,000
Legal capital surplus	-	-	-	-	-	2,500	2,500
Other capital surplus	-	-	-	-	-	116,235	116,235
Capital surplus	-	77,985	79,400	79,416	79,416	49,288	49,254
Retained earnings brought forward	-	-	-	-	-	1,343	1,353
Retained earnings	-	125,367	127,294	129,248	131,865	136,141	141,162
Treasury shares	-	-325	-327	-321	-265	-325	-315
Shareholders' equity	-	213,027	216,367	218,342	221,015	195,103	200,101
Net assets	129,720	244,336	227,465	238,491	229,635	195,019	213,145
Capital surplus	-	77,985	79,400	79,416	79,416	49,288	49,254
Retained earnings	-	125,367	127,294	129,248	131,865	136,141	141,162
Treasury shares	-	-325	-327	-321	-265	-325	-315
Shareholders' equity	-	213,027	216,367	218,342	221,015	195,103	200,101
Valuation difference on available-for-sale securities	-	28,807	11,359	19,611	9,209	925	12,701
Deferred gains or losses on hedges	-	-151	-58	-37	-27	-19	-12
Remeasurements of defined benefit plans	-	309	-574	191	-896	-1,355	317
Valuation and translation adjustments	-	28,965	10,726	19,765	8,285	-448	13,005
Non-controlling interests	-	2,343	371	383	334	364	38
Net assets	129,720	244,336	227,465	238,491	229,635	195,019	213,145
Liabilities and net assets	-	4,070,967	3,936,933	4,312,845	4,636,016	4,285,761	4,434,950