Juroku Financial Group, Inc.JP:7380
| Mar 31,
2022 | Mar 31,
2023 | Mar 31,
2024 |
|---|
| Profit (loss) before income taxes | 26,644 | 26,996 | 27,801 |
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| Depreciation | 3,362 | 3,038 | 3,275 |
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| Impairment losses | - | 150 | 11 |
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| Amortization of goodwill | 452 | 452 | 452 |
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| Increase (decrease) in allowance for loan losses | -43 | -1,619 | -971 |
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| Increase (decrease) in provision for bonuses | -46 | -136 | 51 |
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| Decrease (increase) in retirement benefit asset | -2,764 | -3,026 | -1,434 |
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| Increase (decrease) in retirement benefit liability | -25 | -174 | -129 |
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| Increase (decrease) in provision for reimbursement of deposits | -130 | -139 | -91 |
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| Increase (decrease) in provision for contingent loss | -116 | -14 | -26 |
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| Increase (decrease) in reserves under special laws | 3 | 2 | 5 |
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| Interest income | -54,687 | -53,896 | -59,510 |
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| Interest expenses | 317 | 2,768 | 6,616 |
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| Loss (gain) related to securities | 4,305 | 4,148 | 948 |
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| Unrealized loss (gain) on derivatives-OpeCF | -448 | -959 | -6,047 |
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| Foreign exchange losses (gains) | -8 | -4 | -8 |
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| Loss (gain) on disposal of non-current assets | 150 | 112 | 88 |
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| Net decrease (increase) in trading securities | 175 | 30 | 75 |
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| Net decrease (increase) in money held in trust | 699 | 299 | -1,912 |
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| Net decrease (increase) in loans and bills discounted | -40,674 | -173,623 | -142,967 |
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| Net increase (decrease) in deposits | 152,818 | 41,689 | 121,754 |
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| Net increase (decrease) in negotiable certificates of deposit | -14,100 | -1,000 | - |
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| Net increase (decrease) in borrowed money (excluding subordinated borrowings) | 938,645 | -1,076,296 | 16,825 |
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| Net decrease (increase) in due from banks (excluding due from Bank of Japan) | 11,089 | 439 | -1,105 |
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| Net decrease (increase) in call loans | - | -35,000 | 35,000 |
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| Net increase (decrease) in call money | 7,046 | -35,912 | -1,267 |
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| Net increase (decrease) in cash collateral received for securities lent | 57,865 | -87,537 | 122,475 |
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| Net decrease (increase) in foreign exchanges - assets | -874 | 1,834 | 802 |
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| Net increase (decrease) in foreign exchanges - liabilities | 505 | 130 | -615 |
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| Net decrease (increase) in lease receivables and investments in leases | 2,673 | 1,031 | -1,942 |
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| Net increase (decrease) in borrowed money from trust account | - | 38 | 131 |
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| Interest received | 55,203 | 54,232 | 59,071 |
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| Interest paid | -371 | -2,697 | -6,526 |
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| Other, net | -13,002 | -27,589 | -8,130 |
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| Subtotal | 1,134,665 | -1,362,232 | 162,699 |
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| Income taxes paid | -10,532 | -7,914 | -7,169 |
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| Income taxes refund | 42 | 940 | 1,238 |
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| Net cash provided by (used in) operating activities | 1,124,175 | -1,369,207 | 156,768 |
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| Purchase of securities | -513,551 | -313,959 | -217,173 |
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| Proceeds from sale of securities | 489,717 | 236,427 | 205,657 |
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| Proceeds from redemption of securities | 109,124 | 71,867 | 86,327 |
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| Purchase of property, plant and equipment | -1,691 | -1,003 | -2,082 |
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| Purchase of intangible assets | -1,674 | -1,568 | -2,165 |
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| Proceeds from sale of property, plant and equipment | 829 | 120 | 133 |
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| Other payments | -52 | -69 | -38 |
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| Net cash provided by (used in) investing activities | 82,701 | -8,184 | 70,657 |
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| Purchase of treasury shares | -1,115 | -1,114 | -1,428 |
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| Proceeds from sale of treasury shares | - | - | - |
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| Dividends paid | -3,924 | -4,806 | -5,115 |
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| Net cash provided by (used in) financing activities | -7,116 | -5,921 | -6,543 |
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| Effect of exchange rate change on cash and cash equivalents | 8 | 4 | 8 |
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| Net increase (decrease) in cash and cash equivalents | 1,199,768 | -1,383,308 | 220,890 |
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