- JP-listed companies
- The San-in Godo Bank,Ltd.
The San-in Godo Bank,Ltd.JP:8381
Market cap
¥195B
P/E ratio
12.2x
Mar 31, 2012 | 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 | |
Cash and due from banks | - | 206,186 | 293,170 | 410,740 | 586,531 | 553,638 | 565,961 | 769,410 | 571,248 | 872,988 | 775,086 | 820,839 | 886,423 |
Cash | - | - | - | - | - | - | - | - | - | - | - | 48,487 | 46,778 |
Due from banks | - | - | - | - | - | - | - | - | - | - | - | 771,847 | 839,018 |
Call loans and bills bought | - | 67,101 | 150,934 | 91,595 | 27,718 | 36,142 | 3,718 | 332 | - | - | - | 3,271 | 4,012 |
Call loans | - | - | - | - | - | - | - | - | - | - | - | 3,271 | 4,012 |
Monetary claims bought | - | 6,929 | 8,149 | 8,104 | 8,981 | 9,744 | 10,229 | 10,801 | 11,230 | 10,914 | 11,699 | 13,159 | 13,889 |
Money held in trust | - | 5,000 | 5,008 | 7,000 | 6,497 | 3,996 | 4,000 | 4,000 | 4,955 | 4,978 | 4,998 | 4,988 | 4,993 |
Securities | - | 1,601,060 | 1,632,431 | 1,756,928 | 1,860,333 | 1,920,658 | 1,847,414 | 1,599,306 | 1,654,917 | 1,809,682 | 1,931,505 | 1,562,511 | 1,558,741 |
Government bonds | - | - | - | - | - | - | - | - | - | - | - | 259,611 | 227,905 |
Local government bonds | - | - | - | - | - | - | - | - | - | - | - | 265,863 | 261,653 |
Corporate bonds | - | - | - | - | - | - | - | - | - | - | - | 155,903 | 168,936 |
Stocks | - | - | - | - | - | - | - | - | - | - | - | 41,714 | 47,824 |
Other securities | - | - | - | - | - | - | - | - | - | - | - | 836,660 | 851,908 |
Loans and bills discounted | - | 2,278,289 | 2,306,006 | 2,427,644 | 2,589,659 | 2,798,238 | 2,983,603 | 3,090,046 | 3,322,376 | 3,554,553 | 3,909,437 | 4,322,918 | 4,744,248 |
Bills discounted | - | - | - | - | - | - | - | - | - | - | - | 8,635 | 8,785 |
Loans on bills | - | - | - | - | - | - | - | - | - | - | - | 79,007 | 81,437 |
Loans on deeds | - | - | - | - | - | - | - | - | - | - | - | 3,840,508 | 4,236,202 |
Overdrafts | - | - | - | - | - | - | - | - | - | - | - | 415,327 | 441,884 |
Foreign exchanges | - | 2,734 | 3,329 | 3,154 | 5,615 | 4,317 | 4,556 | 5,957 | 6,324 | 9,494 | 10,020 | 4,768 | 2,485 |
Due from foreign banks (our accounts) | - | - | - | - | - | - | - | - | - | - | - | 4,768 | 2,485 |
Other assets | - | 24,078 | 27,047 | 28,135 | 30,683 | 41,852 | 82,772 | 69,972 | 71,585 | 67,392 | 77,013 | 66,333 | 67,907 |
Prepaid expenses | - | - | - | - | - | - | - | - | - | - | - | 501 | 590 |
Accrued revenue | - | - | - | - | - | - | - | - | - | - | - | 5,506 | 5,993 |
Financial derivatives | - | - | - | - | - | - | - | - | - | - | - | 5,391 | 7,330 |
Cash collateral paid for financial instruments | - | - | - | - | - | - | - | - | - | - | - | 3,830 | 3,588 |
Other | - | - | - | - | - | - | - | - | - | - | - | 38,627 | 34,897 |
Lease receivables and investment assets | - | 25,829 | 26,235 | 25,012 | 25,282 | 25,427 | 27,177 | 28,997 | 30,392 | 29,514 | 29,287 | 28,179 | 28,155 |
Property, plant and equipment | - | 41,808 | 40,895 | 39,457 | 38,251 | 36,746 | 36,496 | 36,245 | 35,259 | 34,226 | 34,220 | 34,701 | 34,326 |
Buildings, net | - | 15,429 | 14,864 | 13,904 | 13,489 | 12,951 | 12,754 | 12,476 | 12,105 | 11,251 | 10,652 | 11,263 | 10,807 |
Land | - | 22,941 | 22,822 | 22,037 | 21,058 | 20,842 | 20,796 | 20,786 | 20,044 | 19,737 | 19,713 | 20,028 | 19,910 |
Construction in progress | - | - | - | 6 | - | 12 | 3 | 23 | 7 | 81 | 436 | - | 11 |
Other, net | - | 3,437 | 3,209 | 3,509 | 3,703 | 2,939 | 2,942 | 2,959 | 3,102 | 3,157 | 3,418 | 3,409 | 3,596 |
Other assets | - | 24,078 | 27,047 | 28,135 | 30,683 | 41,852 | 82,772 | 69,972 | 71,585 | 67,392 | 77,013 | 66,333 | 67,907 |
Prepaid expenses | - | - | - | - | - | - | - | - | - | - | - | 501 | 590 |
Accrued revenue | - | - | - | - | - | - | - | - | - | - | - | 5,506 | 5,993 |
Financial derivatives | - | - | - | - | - | - | - | - | - | - | - | 5,391 | 7,330 |
Cash collateral paid for financial instruments | - | - | - | - | - | - | - | - | - | - | - | 3,830 | 3,588 |
Other | - | - | - | - | - | - | - | - | - | - | - | 38,627 | 34,897 |
Property, plant and equipment | - | 41,808 | 40,895 | 39,457 | 38,251 | 36,746 | 36,496 | 36,245 | 35,259 | 34,226 | 34,220 | 34,701 | 34,326 |
Buildings, net | - | 15,429 | 14,864 | 13,904 | 13,489 | 12,951 | 12,754 | 12,476 | 12,105 | 11,251 | 10,652 | 11,263 | 10,807 |
Land | - | 22,941 | 22,822 | 22,037 | 21,058 | 20,842 | 20,796 | 20,786 | 20,044 | 19,737 | 19,713 | 20,028 | 19,910 |
Construction in progress | - | - | - | 6 | - | 12 | 3 | 23 | 7 | 81 | 436 | - | 11 |
Other, net | - | 3,437 | 3,209 | 3,509 | 3,703 | 2,939 | 2,942 | 2,959 | 3,102 | 3,157 | 3,418 | 3,409 | 3,596 |
Intangible assets | - | 3,736 | 3,068 | 2,567 | 2,187 | 1,901 | 2,427 | 5,327 | 5,596 | 4,894 | 4,374 | 3,854 | 3,320 |
Software | - | 3,433 | 2,776 | 2,287 | 1,908 | 1,622 | 2,158 | 5,058 | 5,328 | 4,626 | 4,112 | 3,593 | 2,974 |
Other | - | 302 | 291 | 279 | 279 | 279 | 269 | 268 | 268 | 268 | 261 | 261 | 260 |
Goodwill | - | - | - | - | - | - | - | - | - | - | - | - | 85 |
Other | - | 302 | 291 | 279 | 279 | 279 | 269 | 268 | 268 | 268 | 261 | 261 | 260 |
Intangible assets | - | 3,736 | 3,068 | 2,567 | 2,187 | 1,901 | 2,427 | 5,327 | 5,596 | 4,894 | 4,374 | 3,854 | 3,320 |
Software | - | 3,433 | 2,776 | 2,287 | 1,908 | 1,622 | 2,158 | 5,058 | 5,328 | 4,626 | 4,112 | 3,593 | 2,974 |
Other | - | 302 | 291 | 279 | 279 | 279 | 269 | 268 | 268 | 268 | 261 | 261 | 260 |
Goodwill | - | - | - | - | - | - | - | - | - | - | - | - | 85 |
Other | - | 302 | 291 | 279 | 279 | 279 | 269 | 268 | 268 | 268 | 261 | 261 | 260 |
Prepaid pension costs | - | - | - | - | - | - | - | - | - | - | - | 5,956 | 6,713 |
Retirement benefit asset | - | - | - | - | - | - | - | - | - | 443 | 1,589 | 4,150 | 8,411 |
Deferred tax assets | - | - | - | - | - | - | - | 262 | 3,663 | 39 | 15,408 | 35,521 | 34,614 |
Deferred tax assets | - | - | - | - | - | - | - | 262 | 3,663 | 39 | 15,408 | 35,521 | 34,614 |
Customers' liabilities for acceptances and guarantees | - | 19,030 | 19,230 | 18,421 | 18,113 | 16,529 | 14,720 | 16,441 | 14,323 | 13,971 | 13,269 | 13,334 | 12,779 |
Customers' liabilities for acceptances and guarantees | - | 19,030 | 19,230 | 18,421 | 18,113 | 16,529 | 14,720 | 16,441 | 14,323 | 13,971 | 13,269 | 13,334 | 12,779 |
Allowance for loan losses | - | -40,843 | -37,436 | -37,547 | -39,870 | -38,109 | -34,834 | -37,517 | -40,465 | -42,629 | -42,571 | -40,886 | -43,612 |
Allowance for loan losses | - | -40,843 | -37,436 | -37,547 | -39,870 | -38,109 | -34,834 | -37,517 | -40,465 | -42,629 | -42,571 | -40,886 | -43,612 |
Allowance for investment loss | - | -93 | -78 | -61 | -107 | -127 | -26 | -46 | -39 | -179 | -182 | -156 | -134 |
Allowance for investment loss | - | -93 | -78 | -61 | -107 | -127 | -26 | -46 | -39 | -179 | -182 | -156 | -134 |
Assets | - | 4,241,925 | 4,478,739 | 4,782,030 | 5,160,556 | 5,411,472 | 5,548,604 | 5,599,597 | 5,691,460 | 6,370,285 | 6,775,158 | 6,877,489 | 7,360,564 |
Assets | - | 4,241,925 | 4,478,739 | 4,782,030 | 5,160,556 | 5,411,472 | 5,548,604 | 5,599,597 | 5,691,460 | 6,370,285 | 6,775,158 | 6,877,489 | 7,360,564 |
Deposits | - | 3,609,489 | 3,687,357 | 3,777,765 | 3,868,638 | 3,937,562 | 3,989,404 | 3,818,934 | 3,911,792 | 4,432,481 | 4,872,042 | 5,508,349 | 5,923,978 |
Current deposits | - | - | - | - | - | - | - | - | - | - | - | 197,906 | 216,554 |
Ordinary deposits | - | - | - | - | - | - | - | - | - | - | - | 3,043,698 | 3,124,935 |
Savings deposits | - | - | - | - | - | - | - | - | - | - | - | 45,751 | 44,989 |
Deposits at notice | - | - | - | - | - | - | - | - | - | - | - | 8,794 | 90,729 |
Time deposits | - | - | - | - | - | - | - | - | - | - | - | 2,180,630 | 2,407,420 |
Installment savings | - | - | - | - | - | - | - | - | - | - | - | 8 | 8 |
Other deposits | - | - | - | - | - | - | - | - | - | - | - | 43,149 | 50,985 |
Negotiable certificates of deposit | - | 1,200 | 20,500 | 1,500 | - | 7,200 | 72,190 | 321,370 | 309,400 | 285,982 | 151,444 | 138,957 | 306,743 |
Call money | - | - | - | - | - | - | - | - | - | - | - | 98,812 | 44,665 |
Call money and bills sold | - | 11,332 | 9,124 | 5,487 | 31,550 | 29,730 | 35,292 | 75,973 | 108,793 | 115,456 | 120,895 | 98,812 | 44,665 |
Cash collateral received for securities lent | - | 61,335 | 140,321 | 157,220 | 278,390 | 410,793 | 517,951 | 468,440 | 443,097 | 445,776 | 429,129 | 106,426 | 92,129 |
Borrowed money | - | 125,294 | 185,738 | 337,635 | 458,117 | 510,342 | 451,050 | 447,367 | 447,717 | 597,672 | 703,317 | 586,637 | 563,602 |
Borrowings from other banks | - | - | - | - | - | - | - | - | - | - | - | 572,000 | 552,000 |
Foreign exchanges | - | 35 | 19 | 21 | 16 | 17 | 24 | 7 | 24 | 83 | 50 | 7 | 41 |
Foreign bills sold | - | - | - | - | - | - | - | - | - | - | - | 2 | 17 |
Foreign bills payable | - | - | - | - | - | - | - | - | - | - | - | 4 | 24 |
Other liabilities | - | 73,580 | 75,118 | 103,234 | 101,041 | 89,060 | 63,251 | 56,969 | 78,222 | 83,830 | 117,160 | 97,394 | 78,393 |
Income taxes payable | - | - | - | - | - | - | - | - | - | - | - | 2,107 | 2,832 |
Accrued expenses | - | - | - | - | - | - | - | - | - | - | - | 3,259 | 3,402 |
Unearned revenue | - | - | - | - | - | - | - | - | - | - | - | 2,382 | 2,546 |
Reserve for interest on installment savings | - | - | - | - | - | - | - | - | - | - | - | - | - |
Financial derivatives | - | - | - | - | - | - | - | - | - | - | - | 9,763 | 8,415 |
Cash collateral received for financial instruments | - | - | - | - | - | - | - | - | - | - | - | 1,220 | 4,401 |
Lease liabilities | - | - | - | - | - | - | - | - | - | - | - | 28 | 47 |
Asset retirement obligations | - | - | - | - | - | - | - | - | - | - | - | 432 | 451 |
Other | - | - | - | - | - | - | - | - | - | - | - | 71,699 | 47,329 |
Provision for bonuses | - | 1,075 | 1,071 | 1,061 | 1,054 | 1,066 | 1,037 | 1,008 | 970 | 966 | 950 | 957 | 948 |
Provision for retirement benefits | - | 9,071 | - | - | - | - | - | - | - | - | - | 8,838 | 8,361 |
Retirement benefit liability | - | - | 11,852 | 11,594 | 12,742 | 12,522 | 11,383 | 11,258 | 11,195 | 9,681 | 9,503 | 9,147 | 8,706 |
Provision for stocks payment | - | - | - | - | - | 99 | 211 | 315 | 388 | 392 | 420 | 414 | 418 |
Provision for reimbursement of deposits | - | 333 | 387 | 386 | 363 | 371 | 388 | 414 | 350 | 319 | 279 | 252 | 168 |
Provision for retirement benefits for directors (and other officers) | - | 103 | 87 | 101 | 81 | 89 | 116 | 88 | 77 | 76 | 57 | 58 | 77 |
Provision for contingencies-liabilities-BNK | - | 760 | 857 | 806 | 837 | 840 | 865 | 969 | 981 | 862 | 812 | 804 | 785 |
Provision for reimbursement of deposits | - | 333 | 387 | 386 | 363 | 371 | 388 | 414 | 350 | 319 | 279 | 252 | 168 |
Deferred tax liabilities for land revaluation | - | 3,094 | 3,073 | 2,627 | 2,376 | 2,363 | 2,328 | 2,293 | 2,161 | 2,133 | 2,061 | 2,050 | 2,015 |
Provision for contingencies-liabilities-BNK | - | 760 | 857 | 806 | 837 | 840 | 865 | 969 | 981 | 862 | 812 | 804 | 785 |
Acceptances and guarantees | - | 19,030 | 19,230 | 18,421 | 18,113 | 16,529 | 14,720 | 16,441 | 14,323 | 13,971 | 13,269 | 13,334 | 12,779 |
Deferred tax liabilities | - | - | - | - | - | - | - | 5,244 | 312 | 743 | 570 | 674 | 20 |
Liabilities | - | 3,919,376 | 4,156,457 | 4,428,319 | 4,786,828 | 5,058,625 | 5,186,189 | 5,227,098 | 5,329,809 | 5,990,432 | 6,421,967 | 6,564,281 | 7,035,474 |
Deferred tax liabilities for land revaluation | - | 3,094 | 3,073 | 2,627 | 2,376 | 2,363 | 2,328 | 2,293 | 2,161 | 2,133 | 2,061 | 2,050 | 2,015 |
Acceptances and guarantees | - | 19,030 | 19,230 | 18,421 | 18,113 | 16,529 | 14,720 | 16,441 | 14,323 | 13,971 | 13,269 | 13,334 | 12,779 |
Liabilities | - | 3,919,376 | 4,156,457 | 4,428,319 | 4,786,828 | 5,058,625 | 5,186,189 | 5,227,098 | 5,329,809 | 5,990,432 | 6,421,967 | 6,564,281 | 7,035,474 |
Share capital | - | 20,705 | 20,705 | 20,705 | 20,705 | 20,705 | 20,705 | 20,705 | 20,705 | 20,705 | 20,705 | 20,705 | 20,705 |
Capital surplus | - | 15,516 | 15,516 | 15,516 | 15,516 | 21,381 | 21,381 | 21,381 | 21,385 | 22,058 | 22,058 | 22,058 | 22,058 |
Legal capital surplus | - | - | - | - | - | - | - | - | - | - | - | 15,516 | 15,516 |
Retained earnings | - | 221,905 | 230,087 | 237,697 | 247,413 | 256,590 | 267,604 | 276,800 | 283,495 | 290,042 | 301,096 | 310,618 | 322,070 |
Legal retained earnings | - | - | - | - | - | - | - | - | - | - | - | 17,584 | 17,584 |
Other retained earnings | - | - | - | - | - | - | - | - | - | - | - | 284,463 | 295,090 |
Reserve for tax purpose reduction entry of non-current assets | - | - | - | - | - | - | - | - | - | - | - | 148 | 143 |
General revenue reserve | - | - | - | - | - | - | - | - | - | - | - | 241,829 | 246,829 |
Retained earnings brought forward | - | - | - | - | - | - | - | - | - | - | - | 42,486 | 48,118 |
Treasury shares | - | -848 | -756 | -766 | -629 | -851 | -697 | -724 | -947 | -749 | -643 | -1,847 | -2,679 |
Shareholders' equity | - | 257,278 | 265,552 | 273,152 | 283,006 | 297,825 | 308,993 | 318,162 | 324,637 | 332,056 | 343,217 | 351,535 | 362,155 |
Valuation difference on available-for-sale securities | - | 45,621 | 40,417 | 63,977 | 75,089 | 55,449 | 53,227 | 54,697 | 38,191 | 47,912 | 7,137 | -36,842 | -42,381 |
Deferred gains or losses on hedges | - | -12 | -8 | -85 | -43 | 36 | 25 | -8 | 8 | - | 2,688 | -3,020 | 1,434 |
Revaluation reserve for land | - | 3,203 | 3,186 | 3,138 | 3,001 | 2,970 | 2,892 | 2,820 | 2,522 | 2,510 | 2,348 | 2,331 | 2,251 |
Valuation and translation adjustments | - | 48,812 | 39,456 | 62,329 | 72,102 | 53,263 | 51,674 | 52,716 | 35,407 | 47,092 | 9,358 | -38,886 | -37,570 |
Remeasurements of defined benefit plans | - | - | -4,138 | -4,701 | -5,944 | -5,194 | -4,470 | -4,792 | -5,314 | -3,330 | -2,814 | -1,354 | 1,125 |
Share acquisition rights | - | 533 | 546 | 667 | 521 | 470 | 349 | 292 | 281 | 170 | 123 | 103 | 30 |
Valuation and translation adjustments | - | 48,812 | 39,456 | 62,329 | 72,102 | 53,263 | 51,674 | 52,716 | 35,407 | 47,092 | 9,358 | -38,886 | -37,570 |
Net assets | 304,692 | 322,548 | 322,281 | 353,710 | 373,728 | 352,846 | 362,415 | 372,498 | 361,650 | 379,852 | 353,191 | 313,208 | 325,089 |
Share acquisition rights | - | 533 | 546 | 667 | 521 | 470 | 349 | 292 | 281 | 170 | 123 | 103 | 30 |
Non-controlling interests | - | - | - | 17,561 | 18,098 | 1,287 | 1,396 | 1,326 | 1,323 | 532 | 491 | 455 | 475 |
Net assets | 304,692 | 322,548 | 322,281 | 353,710 | 373,728 | 352,846 | 362,415 | 372,498 | 361,650 | 379,852 | 353,191 | 313,208 | 325,089 |
Liabilities and net assets | - | 4,241,925 | 4,478,739 | 4,782,030 | 5,160,556 | 5,411,472 | 5,548,604 | 5,599,597 | 5,691,460 | 6,370,285 | 6,775,158 | 6,877,489 | 7,360,564 |