JP-listed companies
THE TOCHIGI BANK, LTD.

THE TOCHIGI BANK, LTD.JP:8550

Market cap

¥42B

P/E ratio

15.2x

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
Ordinary income	47,418	51,857	57,853	57,842	50,353	45,450	43,043	42,461	40,238	41,646	45,222
Interest income	34,431	33,562	34,903	36,083	34,315	27,937	25,726	26,594	26,382	25,606	29,156
Interest on loans and discounts	28,871	26,945	25,671	24,533	22,745	21,441	21,000	20,799	20,923	20,446	20,387
Interest and dividends on securities	5,442	6,496	9,050	11,163	11,224	6,162	4,320	5,396	5,052	4,300	7,862
Interest on call loans and bills bought	23	26	25	22	28	41	71	59	3	2	37
Interest on deposits with banks	92	93	154	361	312	284	325	333	401	856	867
Other interest income	-	-	1	2	3	7	7	5	-	-	1
Fees and commissions	5,836	6,172	6,639	6,308	6,003	7,698	8,035	8,034	8,375	8,990	9,308
Other ordinary income	3,074	4,442	6,410	5,955	5,396	1,585	2,260	4,516	1,816	2,267	1,795
Other income	4,075	7,680	9,898	9,494	4,637	8,228	7,021	3,316	3,664	4,781	4,961
Recoveries of written off receivables	374	350	616	3,317	340	526	397	358	267	274	220
Other	3,701	5,955	5,815	6,176	4,297	7,702	6,623	2,957	3,397	4,507	4,740
Other	3,701	5,955	5,815	6,176	4,297	7,702	6,623	2,957	3,397	4,507	4,740
Ordinary expenses	39,140	38,124	36,923	39,337	37,650	38,596	39,494	38,028	35,713	36,069	40,160
Interest expenses	1,508	1,309	1,255	1,194	771	637	577	501	410	239	148
Interest on deposits	1,433	1,259	1,197	1,140	734	583	528	468	374	211	116
Interest on negotiable certificates of deposit	40	30	38	34	21	14	13	9	6	-	-
Interest on borrowings and rediscounts	34	19	19	19	14	40	34	23	25	27	31
Other interest expenses	-	-	-	-	-	-	-	-	4	-	-
Fees and commissions payments	3,117	3,190	3,134	3,338	3,482	3,515	3,406	3,424	3,496	3,608	3,666
Other ordinary expenses	1,033	1,688	2,477	3,189	3,414	587	4,373	986	1,217	3,456	7,400
General and administrative expenses	27,431	26,456	26,091	26,119	26,302	26,991	25,932	25,418	25,041	24,038	23,168
Other expenses	6,049	5,479	3,965	5,494	3,678	6,864	5,204	7,697	5,547	4,727	5,775
Provision of allowance for loan losses	173	-	-	1,825	440	2,269	856	2,528	2,231	1,370	1,002
Other	5,875	5,479	3,965	3,669	3,238	4,595	4,347	5,168	3,316	3,356	4,772
Other	5,875	5,479	3,965	3,669	3,238	4,595	4,347	5,168	3,316	3,356	4,772
Ordinary profit (loss)	8,278	13,733	20,929	18,505	12,703	6,854	3,548	4,432	4,525	5,576	5,062
Extraordinary income	14	25	32	34	29	108	22	134	98	58	107
Gain on disposal of non-current assets	14	25	32	34	29	36	21	134	96	58	8
Gain on reversal of share acquisition rights	-	-	-	-	-	-	-	-	-	-	98
Extraordinary losses	248	76	63	127	106	140	604	452	348	1,187	993
Loss on disposal of non-current assets	25	26	27	80	15	11	45	18	43	51	30
Impairment losses	223	50	36	46	91	129	559	434	305	1,135	831
Provision of reserve for financial instruments transaction liabilities	-	-	-	-	-	-	-	-	-	1	-
Provision for share-based remuneration for directors (and other officers)-EL	-	-	-	-	-	-	-	-	-	-	130
Impairment losses	223	50	36	46	91	129	559	434	305	1,135	831
Provision for share-based remuneration for directors (and other officers)-EL	-	-	-	-	-	-	-	-	-	-	130
Profit (loss) before income taxes	8,044	13,681	20,897	18,412	12,626	6,821	2,965	4,113	4,274	4,448	4,176
Income taxes - current	354	1,279	4,535	5,663	3,631	1,504	876	1,828	1,615	503	917
Income taxes - deferred	1,913	3,799	3,357	1,194	918	452	303	180	199	86	505
Income taxes	2,268	5,079	7,893	6,858	4,549	1,957	1,179	2,009	1,814	589	1,422
Profit (loss)	-	-	13,004	11,553	8,076	4,864	1,786	2,104	2,459	3,858	2,753
Profit (loss) attributable to non-controlling interests	-	-	718	350	424	374	359	282	378	229	100
Profit (loss) attributable to owners of parent	-	-	12,285	11,203	7,652	4,490	1,426	1,822	2,081	3,628	2,652