- JP-listed companies
- Tsukuba Bank, Ltd.
Tsukuba Bank, Ltd.JP:8338
Market cap
¥20.2B
P/E ratio
9.6x
| Mar 31, 2013 | Mar 31, 2014 | Mar 31, 2015 | Mar 31, 2016 | Mar 31, 2017 | Mar 31, 2018 | Mar 31, 2019 | Mar 31, 2020 | Mar 31, 2021 | Mar 31, 2022 | Mar 31, 2023 | Mar 31, 2024 | |
| Profit (loss) before income taxes | 3,168 | 5,709 | 6,751 | 8,315 | 5,600 | 4,785 | 1,788 | 2,626 | 2,184 | 4,570 | 1,813 | 2,498 |
| Depreciation | 2,700 | 2,296 | 2,310 | 2,228 | 2,176 | 2,122 | 2,176 | 2,026 | 2,087 | 2,165 | 2,280 | 2,133 |
| Impairment losses | 310 | 394 | 240 | 95 | 179 | 43 | 163 | 115 | 391 | 93 | 8 | 29 |
| Increase (decrease) in allowance for loan losses | -312 | -3,258 | -3,745 | -400 | -1,137 | -1,806 | 411 | 285 | -755 | -740 | 3,943 | 2,366 |
| Increase (decrease) in provision for bonuses | -18 | 18 | 30 | -5 | 7 | -5 | -23 | -25 | -27 | -28 | -12 | 7 |
| Decrease (increase) in retirement benefit asset | - | - | - | - | - | -1,894 | -373 | -218 | -1,693 | -717 | -523 | -3,468 |
| Increase (decrease) in retirement benefit liability | - | -838 | -2,480 | 1,416 | -1,393 | 693 | -150 | -821 | -669 | -136 | 7 | 4 |
| Increase (decrease) in provision for retirement benefits for directors (and other officers) | - | 4 | -1 | -1 | -4 | - | - | - | -5 | 1 | -1 | 1 |
| Increase (decrease) in provision for officers' retirement benefits | -19 | 6 | 10 | -10 | 7 | 8 | 6 | -5 | 5 | - | 7 | -2 |
| Increase (decrease) in provision for reimbursement of deposits | 31 | 22 | 45 | 22 | -18 | 35 | -28 | -58 | -55 | -16 | -11 | -67 |
| Increase (decrease) in provision for point card certificates | 3 | -3 | -1 | 4 | 7 | - | -1 | 1 | - | - | 2 | 2 |
| Increase (decrease) in provision for contingent loss | -100 | -124 | -61 | 22 | -10 | 13 | 14 | 62 | -76 | -69 | 48 | 59 |
| Interest income | -32,410 | -32,814 | -32,853 | -31,613 | -29,490 | -27,466 | -26,940 | -25,676 | -24,327 | -25,937 | -25,649 | -25,972 |
| Interest expenses | 3,188 | 2,288 | 1,969 | 1,613 | 1,150 | 911 | 920 | 732 | 634 | 464 | 820 | 777 |
| Loss (gain) related to securities | 1,790 | -524 | -1,084 | -3,899 | -891 | 1,831 | -69 | -1,672 | 10 | 40 | 103 | -664 |
| Loss (gain) on money held in trust | -131 | 25 | -113 | -76 | -99 | -68 | -107 | 20 | -125 | -15 | 290 | -121 |
| Foreign exchange losses (gains) | -4,113 | -4,036 | -8,773 | 4,305 | 369 | 2,267 | -1,610 | 2,054 | -792 | -4,044 | -4,040 | -4,499 |
| Loss (gain) on disposal of non-current assets | 67 | 47 | 28 | 111 | -6 | 104 | 43 | -7 | 97 | -37 | -59 | 10 |
| Compensation for forced relocation | - | - | - | - | - | - | - | - | - | - | - | -72 |
| Net decrease (increase) in loans and bills discounted | -34,425 | -21,926 | -18,555 | -35,473 | -66,067 | 36,295 | -13,461 | -39,246 | -129,033 | -67,947 | -68,606 | -86,037 |
| Net increase (decrease) in deposits | 50,941 | 73,895 | 26,656 | 17,588 | 64,236 | 39,795 | -29,118 | -5,088 | 152,030 | 61,793 | 46,574 | 64,247 |
| Net increase (decrease) in borrowed money (excluding subordinated borrowings) | -1,100 | - | - | - | - | - | - | - | 158,000 | 191,000 | -220,700 | 10,000 |
| Net decrease (increase) in due from banks (excluding cash equivalents) | -14,232 | 15,844 | 780 | 4,524 | -58 | 741 | -2,698 | 2,163 | -14,051 | 17,202 | -13,023 | 8,436 |
| Net decrease (increase) in call loans | -19,915 | 19,904 | -47 | -190 | -1,970 | -2,968 | -74 | -14 | 4,924 | -85 | -58 | -24 |
| Net increase (decrease) in call money | - | - | - | - | - | - | - | - | - | 20,000 | -20,000 | - |
| Net increase (decrease) in cash collateral received for securities lent | - | - | - | - | - | - | 9,483 | -9,483 | -3,999 | -3,999 | 15,575 | 1,946 |
| Net decrease (increase) in foreign exchanges - assets | 277 | -1,155 | 428 | -1,473 | -7,874 | 5,228 | 1,461 | -5,024 | 4,021 | -835 | -3,538 | 6,012 |
| Net increase (decrease) in foreign exchanges - liabilities | 18 | 11 | 4 | -24 | 33 | 11 | 87 | -89 | -30 | 48 | 16 | 271 |
| Net decrease (increase) in trading securities | 120 | -33 | 25 | -307 | -54 | -116 | 247 | 16 | 205 | 31 | 27 | -4 |
| Interest received | 31,855 | 33,054 | 32,877 | 31,749 | 29,639 | 27,458 | 27,392 | 26,245 | 24,517 | 25,941 | 25,811 | 25,832 |
| Interest paid | -6,535 | -3,191 | -2,266 | -2,055 | -1,428 | -981 | -971 | -957 | -762 | -509 | -800 | -803 |
| Other, net | -432 | -2,813 | 2,718 | -2,480 | 1,634 | -410 | -7,681 | -1,906 | 2,815 | 1,978 | -1,827 | 4,668 |
| Subtotal | -15,692 | 82,676 | 4,894 | -6,015 | -5,464 | 86,632 | -39,112 | -53,947 | 174,594 | 220,212 | -261,523 | 7,568 |
| Income taxes paid | -88 | -233 | -218 | -221 | -461 | -472 | -428 | -229 | -411 | -215 | -409 | -468 |
| Proceeds from compensation for forced relocation | - | - | - | - | - | - | - | - | - | - | - | 91 |
| Net cash provided by (used in) operating activities | -15,781 | 82,443 | 4,675 | -6,237 | -5,925 | 86,159 | -39,540 | -54,177 | 174,182 | 219,997 | -261,932 | 7,191 |
| Purchase of securities | -315,524 | -176,089 | -132,450 | -158,827 | -213,449 | -162,949 | -68,334 | -144,683 | -204,054 | -190,172 | -16,629 | -137,376 |
| Proceeds from sale of securities | 172,051 | 72,366 | 32,546 | 73,909 | 144,018 | 84,680 | 112,127 | 100,318 | 100,850 | 96,818 | 34,736 | 120,658 |
| Proceeds from redemption of securities | 64,655 | 53,969 | 60,256 | 93,964 | 84,092 | 73,366 | 61,970 | 76,516 | 67,650 | 59,992 | 42,645 | 36,561 |
| Purchase of property, plant and equipment | -1,997 | -1,114 | -1,317 | -1,764 | -2,221 | -2,225 | -1,523 | -538 | -582 | -303 | -314 | -768 |
| Purchase of intangible assets | -784 | -930 | -1,350 | -417 | -698 | -1,165 | -2,032 | -1,544 | -664 | -1,231 | -1,209 | -795 |
| Payments for retirement of property, plant and equipment | -23 | -31 | -12 | -102 | -34 | -105 | -32 | -3 | -78 | -15 | -17 | -29 |
| Payments for asset retirement obligations | - | -4 | -15 | -2 | -29 | -26 | -32 | - | -14 | -28 | -44 | - |
| Proceeds from sale of property, plant and equipment | 106 | 195 | 91 | 147 | 590 | 105 | 103 | 82 | 286 | 275 | 200 | 191 |
| Proceeds from sale of intangible assets | - | - | - | - | - | - | - | - | - | - | - | - |
| Net cash provided by (used in) investing activities | -81,528 | -51,640 | -40,376 | 6,907 | 12,267 | -10,319 | 102,216 | 30,146 | -30,956 | -34,663 | 59,367 | 18,443 |
| Dividends paid | -499 | -525 | -525 | -507 | -507 | -451 | -433 | -412 | -416 | -412 | -412 | -415 |
| Purchase of treasury shares | - | - | - | - | -2,129 | - | - | - | - | -11 | -18 | -48 |
| Net cash provided by (used in) financing activities | -5,001 | -6,207 | -8,167 | -1,610 | -2,637 | -452 | -434 | -412 | -416 | -424 | -431 | -464 |
| Net increase (decrease) in cash and cash equivalents | -102,308 | 24,595 | -43,869 | -941 | 3,703 | 75,387 | 62,241 | -24,443 | 142,809 | 184,910 | -202,996 | 25,171 |