- 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, 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 | 18,082 | 19,812 | 22,288 | 21,651 | 20,366 | 19,685 | 19,179 | 15,288 | 14,167 | 20,283 | 21,888 | 24,669 |
| Depreciation | 2,766 | 2,808 | 2,768 | 2,708 | 2,664 | 2,411 | 2,317 | 2,433 | 2,965 | 3,003 | 3,053 | 3,085 |
| Impairment losses | 1,442 | 131 | 847 | 725 | 243 | 175 | 186 | 812 | 249 | 525 | 606 | 233 |
| Gain on bargain purchase | - | - | - | - | - | - | - | - | - | - | -746 | - |
| Loss (gain) on step acquisitions | - | - | - | - | - | - | - | - | - | - | -8 | -19 |
| Increase (decrease) in allowance for loan losses | 3,094 | -3,406 | 110 | 2,322 | -1,760 | -3,275 | 2,682 | 2,948 | 2,163 | -57 | -1,685 | 2,725 |
| Increase (decrease) in allowance for investment loss | -351 | -14 | -17 | 46 | 20 | -100 | 20 | -7 | 140 | 3 | -25 | -22 |
| Increase (decrease) in provision for bonuses | -8 | -4 | -9 | -7 | 11 | -28 | -28 | -38 | -3 | -16 | 7 | -9 |
| Decrease (increase) in retirement benefit asset | - | - | - | - | - | - | - | - | -443 | -1,146 | -2,561 | -4,261 |
| Increase (decrease) in retirement benefit liability | - | 5,448 | -3,499 | 1,147 | -219 | -1,139 | -124 | -62 | -1,514 | -177 | -355 | -441 |
| Increase (decrease) in provision for share awards | - | - | - | - | - | - | 103 | 73 | 3 | 27 | -5 | 3 |
| Increase (decrease) in provision for retirement benefits for directors (and other officers) | -22 | -15 | 13 | -19 | 7 | 27 | -27 | -11 | - | -18 | 1 | 18 |
| Increase (decrease) in provision for reimbursement of deposits | 29 | 53 | -1 | -22 | 7 | 16 | 25 | -63 | -30 | -40 | -27 | -83 |
| Increase (decrease) in provision for contingent loss | - | 96 | -50 | 30 | 3 | 25 | 103 | 12 | -118 | -50 | -7 | -19 |
| Interest income | -61,254 | -60,442 | -60,986 | -62,326 | -63,202 | -62,730 | -62,697 | -57,957 | -56,723 | -60,038 | -66,644 | -76,086 |
| Interest expenses | 7,550 | 6,688 | 7,245 | 8,219 | 9,045 | 10,084 | 9,714 | 4,010 | 1,999 | 1,875 | 4,978 | 6,517 |
| Loss (gain) related to securities | -2,917 | -762 | -2,277 | -1,591 | 2,401 | 1,602 | -604 | -504 | 1,778 | 8,200 | 9,119 | 4,817 |
| Loss (gain) on money held in trust | -89 | 110 | -129 | 18 | 78 | -6 | -27 | 39 | 21 | -21 | 11 | 5 |
| Foreign exchange losses (gains) | -637 | -381 | -388 | -167 | -222 | -758 | -439 | -281 | -400 | -436 | -95 | -155 |
| Loss (gain) on disposal of non-current assets | 63 | 37 | -8 | 108 | -47 | 6 | -72 | 155 | 23 | -17 | -16 | -157 |
| Net decrease (increase) in loans and bills discounted | -56,777 | -27,716 | -121,638 | -162,015 | -208,579 | -185,365 | -106,443 | -232,329 | -232,176 | -354,884 | -413,481 | -421,329 |
| Net increase (decrease) in deposits | 30,590 | 77,867 | 90,408 | 90,873 | 68,923 | 51,842 | -170,470 | 92,858 | 520,689 | 439,561 | 636,306 | 415,628 |
| Net increase (decrease) in negotiable certificates of deposit | -5,800 | 19,300 | -19,000 | -1,500 | 7,200 | 64,990 | 249,180 | -11,970 | -23,417 | -134,537 | -12,487 | 167,786 |
| Net increase (decrease) in borrowed money (excluding subordinated borrowings) | 12,269 | 60,444 | 151,897 | 120,481 | 52,224 | -59,291 | -3,683 | 350 | 149,955 | 105,645 | -116,680 | -23,035 |
| Net decrease (increase) in due from banks (excluding due from Bank of Japan) | 38,886 | -4,501 | 20,021 | -742 | -1,424 | 247 | -1,037 | 909 | 1,094 | 928 | 395 | -233 |
| Net decrease (increase) in call loans | 42,966 | -85,053 | 59,383 | 63,000 | -9,187 | 31,939 | 2,812 | -96 | 316 | -785 | -4,731 | -1,471 |
| Net increase (decrease) in call money | -5,100 | -2,207 | -3,636 | 26,062 | 32,510 | -7,885 | 19,798 | 32,820 | 6,663 | 5,438 | -22,083 | -54,146 |
| Net increase (decrease) in cash collateral received for securities lent | 22,054 | 78,986 | 16,898 | 121,170 | 132,403 | 107,157 | -49,511 | -25,342 | 2,679 | -16,647 | -322,702 | -14,297 |
| Net decrease (increase) in foreign exchanges - assets | -222 | -595 | 174 | -2,460 | 1,298 | -239 | -1,400 | -367 | -3,169 | -525 | 5,252 | 2,282 |
| Net increase (decrease) in foreign exchanges - liabilities | 17 | -15 | 1 | -5 | 1 | 6 | -16 | 16 | 58 | -32 | -43 | 34 |
| Interest received | 61,823 | 61,834 | 61,655 | 62,833 | 63,454 | 63,367 | 64,330 | 59,325 | 56,644 | 60,232 | 65,682 | 71,870 |
| Interest paid | -7,971 | -7,152 | -7,664 | -7,866 | -8,657 | -10,893 | -11,024 | -4,325 | -2,354 | -1,938 | -4,761 | -6,538 |
| Other, net | 31,506 | -5,421 | -351 | 12,699 | -20,290 | -44,499 | -20,666 | 21,846 | 2,493 | 7,977 | -30,247 | -27,481 |
| Subtotal | 129,523 | 126,858 | 214,054 | 295,375 | 79,373 | -22,516 | -57,819 | -99,457 | 443,752 | 82,330 | -252,095 | 69,891 |
| Income taxes paid | -7,138 | -7,903 | -3,318 | -9,447 | -8,195 | -5,001 | -5,529 | -7,794 | -4,677 | -6,130 | -4,452 | -6,418 |
| Net cash provided by (used in) operating activities | 122,384 | 118,954 | 210,736 | 285,927 | 71,178 | -27,517 | -63,349 | -107,251 | 439,075 | 76,199 | -256,547 | 63,473 |
| Purchase of securities | -322,224 | -302,206 | -361,123 | -242,515 | -323,276 | -298,835 | -284,316 | -340,299 | -485,064 | -553,872 | -337,587 | -385,516 |
| Proceeds from sale of securities | 137,264 | 55,932 | 146,817 | 37,839 | 119,517 | 226,491 | 206,629 | 53,009 | 77,362 | 270,129 | 426,988 | 250,036 |
| Proceeds from redemption of securities | 100,348 | 213,849 | 147,289 | 98,554 | 111,442 | 117,406 | 352,163 | 206,284 | 275,960 | 116,787 | 223,082 | 145,758 |
| Increase in money held in trust | -1,200 | -2,519 | -1,991 | - | -1,002 | -3 | -1,000 | -1,000 | -44 | -21 | -1 | -11 |
| Purchase of property, plant and equipment | -1,648 | -647 | -1,046 | -1,386 | -845 | -1,240 | -1,528 | -1,290 | -724 | -2,123 | -2,521 | -1,396 |
| Purchase of intangible assets | -1,671 | -319 | -497 | -572 | -580 | -1,052 | -3,246 | -2,694 | -612 | -954 | -874 | -975 |
| Proceeds from sale of property, plant and equipment | 20 | 90 | 226 | 348 | 805 | 65 | 251 | 62 | 116 | 333 | 569 | 407 |
| Net cash provided by (used in) investing activities | -86,462 | -33,419 | -70,324 | -107,246 | -90,520 | 42,831 | 269,952 | -85,927 | -133,006 | -169,720 | 309,655 | 8,302 |
| Purchase of treasury shares | -1,143 | -1,442 | -1,061 | -1,464 | -1,759 | -1 | -118 | - | - | - | -1,000 | -1,001 |
| Proceeds from sale of treasury shares | 16 | 14 | 8 | 1 | - | - | - | - | - | - | - | - |
| Dividends paid | -1,636 | -1,618 | -1,763 | -2,151 | -2,372 | -2,739 | -4,072 | -4,070 | -3,132 | -3,448 | -5,958 | -5,422 |
| Dividends paid to non-controlling interests | - | - | -8 | -14 | -6 | - | -2 | -1 | -1 | -2 | -2 | -2 |
| Net cash provided by (used in) financing activities | -2,770 | -3,054 | -2,826 | -3,629 | -14,976 | -2,741 | -4,193 | -4,072 | -3,236 | -3,451 | -6,960 | -6,425 |
| Net increase (decrease) in cash and cash equivalents | 33,156 | 82,482 | 137,590 | 175,049 | -34,317 | 12,570 | 202,411 | -197,252 | 302,833 | -96,972 | 46,147 | 65,350 |