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

Income statement Balance sheet Cash flow

	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
Ordinary income	91,010	87,244	90,733	91,476	93,746	95,806	97,833	90,352	89,178	95,111	112,683	120,176
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 on loans and discounts	36,132	35,010	34,341	33,630	32,723	32,390	32,761	33,384	34,854	36,071	42,826	51,819
Interest and dividends on securities	21,551	22,532	23,116	24,798	26,893	26,196	23,706	22,276	20,667	21,838	19,918	20,757
Interest on call loans and bills bought	443	410	419	483	126	81	9	14	2	2	26	137
Interest on call loans	-	-	-	-	-	-	-	-	-	-	26	137
Interest on deposits with banks	374	343	420	375	332	337	409	347	362	1,332	1,416	1,402
Other interest income	2,738	2,142	2,689	3,039	3,127	3,724	5,810	1,934	836	793	2,456	1,968
Interest income on interest rate swaps	-	-	-	-	-	-	-	-	-	-	-	144
Other interest income	2,738	2,142	2,689	3,039	3,127	3,724	5,810	1,934	836	793	2,456	1,968
Fees and commissions	9,772	10,815	11,575	11,646	10,911	11,126	11,462	11,248	11,384	13,115	15,073	17,262
Fees and commissions on domestic and foreign exchanges	-	-	-	-	-	-	-	-	-	-	2,319	2,343
Other fees and commissions	-	-	-	-	-	-	-	-	-	-	12,195	14,223
Other ordinary income	19,058	15,154	15,543	15,489	15,193	17,851	18,223	17,165	17,030	18,387	24,641	19,238
Gain on foreign exchange transactions	-	-	-	-	-	-	-	-	-	-	95	155
Gain on sale of bonds	-	-	-	-	-	-	-	-	-	-	8,708	2,721
Other	-	-	-	-	-	-	-	-	-	-	17	22
Other income	924	832	2,628	2,014	4,438	4,097	5,449	3,981	4,040	3,569	6,323	7,589
Recoveries of written off receivables	81	12	1	29	-	-	1	-	-	3	-	-
Other	842	819	2,627	1,984	4,018	4,096	5,448	3,980	4,039	3,566	6,323	7,589
Gain on sale of equity securities	-	-	-	-	-	-	-	-	-	-	5,050	3,407
Other	842	819	2,627	1,984	4,018	4,096	5,448	3,980	4,039	3,566	6,323	7,589
Ordinary expenses	71,423	67,263	67,606	68,990	73,183	75,938	78,539	74,095	74,739	74,319	90,961	95,449
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
Interest on deposits	5,956	4,929	5,068	5,202	5,000	4,892	5,447	1,415	1,205	969	850	1,218
Interest on negotiable certificates of deposit	10	15	9	-	-	3	6	20	17	11	7	14
Interest on call money and bills sold	142	113	176	194	456	562	1,505	1,679	429	402	2,637	2,759
Interest on call money	-	-	-	-	-	-	-	-	-	-	2,637	2,759
Interest expenses on cash collateral received for securities lent	124	167	276	788	2,127	3,261	1,967	516	110	121	1,132	1,550
Interest on borrowings and rediscounts	267	281	372	549	352	154	89	45	44	41	41	37
Other interest expenses	1,049	1,180	1,342	1,484	871	791	656	333	191	328	309	936
Interest expenses on interest rate swaps	-	-	-	-	-	-	-	-	-	-	306	930
Other interest expenses	1,049	1,180	1,342	1,484	871	791	656	333	191	328	309	936
Fees and commissions payments	3,038	3,209	3,366	3,579	3,823	3,959	4,111	4,196	4,214	4,337	4,372	4,663
Fees and commissions on domestic and foreign exchanges	-	-	-	-	-	-	-	-	-	-	277	299
Other fees and commissions	-	-	-	-	-	-	-	-	-	-	4,270	4,581
Other ordinary expenses	12,355	11,939	12,565	12,365	18,150	18,750	19,348	15,847	17,814	24,489	38,855	35,374
Loss on sale of bonds	-	-	-	-	-	-	-	-	-	-	21,303	12,249
Loss on redemption of bonds	-	-	-	-	-	-	-	-	-	-	653	951
Loss on financial derivatives	-	-	-	-	-	-	-	-	-	-	2,727	7,528
General and administrative expenses	41,109	40,805	40,159	40,678	41,230	41,242	40,867	41,057	40,262	40,065	39,576	40,573
Other expenses	7,369	4,620	4,269	4,146	933	1,901	4,496	8,982	10,449	3,550	3,177	8,320
Provision of allowance for loan losses	5,646	3,714	3,693	3,295	-	576	3,645	4,924	7,159	1,934	1,856	5,337
Other	1,723	905	576	850	933	1,325	851	4,058	3,289	1,616	1,321	2,982
Write-off of loans	-	-	-	-	-	-	-	-	-	-	-	1,340
Loss on sale of equity securities	-	-	-	-	-	-	-	-	-	-	587	144
Loss on devaluation of equity securities	-	-	-	-	-	-	-	-	-	-	320	43
Loss on money held in trust	-	-	-	-	-	-	-	-	-	-	11	5
Other	1,723	905	576	850	933	1,325	851	4,058	3,289	1,616	1,321	2,982
Ordinary profit (loss)	19,587	19,981	23,126	22,486	20,562	19,867	19,294	16,256	14,439	20,791	21,722	24,727
Extraordinary income	3	2	25	41	79	18	95	-	21	57	893	251
Gain on disposal of non-current assets	3	2	25	41	79	18	95	-	20	57	138	232
Gain on bargain purchase	-	-	-	-	-	-	-	-	-	-	746	-
Gain on step acquisitions	-	-	-	-	-	-	-	-	-	-	8	19
Extraordinary losses	1,508	171	863	875	275	201	209	968	293	566	727	308
Loss on disposal of non-current assets	66	40	16	150	32	25	22	156	44	40	121	75
Impairment losses	1,442	131	847	725	243	175	186	812	249	525	606	233
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
Income taxes - current	7,695	4,559	7,820	7,724	6,163	5,445	6,819	5,904	5,603	4,826	5,342	8,149
Income taxes - deferred	-457	3,355	1,666	528	432	532	-872	-1,112	-1,102	994	1,108	-291
Income taxes	7,238	7,914	9,487	8,252	6,595	5,978	5,946	4,791	4,500	5,821	6,450	7,857
Profit (loss)	-	-	12,801	13,398	13,771	13,706	13,232	10,496	9,667	14,462	15,437	16,812
Profit (loss) attributable to non-controlling interests	-	-	639	486	371	14	27	29	-11	-22	-25	11
Profit (loss) attributable to owners of parent	-	-	12,161	12,911	13,399	13,692	13,205	10,467	9,679	14,485	15,463	16,800