The Iyo Bank, Ltd.【JP:E03589】
Market cap
P/E ratio
| 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 | |
| Profit (loss) before income taxes | 28,679 | 41,529 | 43,354 | 37,393 | 30,748 | 32,610 | 25,821 | 25,626 | 23,404 | 34,771 |
| Depreciation | 3,745 | 4,568 | 4,482 | 4,536 | 4,551 | 4,249 | 4,430 | 4,888 | 5,089 | 5,077 |
| Impairment losses | 764 | 1,890 | 1,104 | 884 | 2,246 | 203 | 231 | 931 | 200 | 421 |
| Increase (decrease) in allowance for loan losses | 525 | 458 | -3,739 | -3,278 | -2,010 | 715 | 3,645 | 3,471 | 5,668 | 557 |
| Increase (decrease) in provision for bonuses | 25 | 431 | 70 | -347 | -79 | 2 | 8 | -10 | 136 | -3 |
| Decrease (increase) in retirement benefit asset | - | - | -5,308 | 5,193 | -6,648 | -3,674 | 5,664 | -1,234 | -14,467 | -4,640 |
| Increase (decrease) in retirement benefit liability | - | 592 | -1,073 | 646 | -1,268 | -69 | -221 | 205 | -1,160 | -614 |
| Increase (decrease) in provision for reimbursement of deposits | -270 | 107 | 187 | 19 | -86 | -50 | 373 | -908 | -741 | -476 |
| Increase (decrease) in provision for contingent loss | 29 | 23 | -23 | 21 | -13 | -1 | 89 | 75 | 111 | 178 |
| Increase (decrease) in provision for share-based compensation-OpeCF-BNK | - | - | - | - | - | - | 86 | 105 | 97 | 123 |
| Increase (decrease) in reserves under special laws | - | - | - | - | - | - | - | - | - | - |
| Interest income | -85,848 | -86,749 | -86,657 | -80,292 | -75,139 | -77,314 | -78,119 | -79,601 | -75,992 | -75,698 |
| Interest expenses | 7,632 | 6,282 | 6,189 | 6,217 | 7,720 | 7,517 | 11,575 | 13,226 | 4,376 | 3,017 |
| Loss (gain) related to securities | 679 | -8,009 | -3,208 | -5,091 | -6,941 | -6,118 | -4,155 | -3,469 | -3,604 | -1,169 |
| Loss (gain) on money held in trust | 68 | 22 | -18 | -43 | -362 | -717 | -408 | -505 | -14 | 49 |
| Foreign exchange losses (gains) | -11,778 | -14,940 | -23,334 | 14,325 | 3,365 | 3,063 | -6,003 | 5,606 | -9,498 | -36,592 |
| Loss (gain) on disposal of non-current assets | 304 | 111 | 131 | -101 | 53 | 103 | 297 | 89 | 171 | 41 |
| Net decrease (increase) in loans and bills discounted | -87,040 | -72,177 | -142,985 | -38,849 | -131,357 | -248,254 | -258,113 | -205,280 | -242,893 | -71,012 |
| Net increase (decrease) in deposits | 135,877 | 179,326 | 97,435 | 99,461 | -11,817 | 92,188 | 144,191 | 18,246 | 717,064 | 58,174 |
| Net increase (decrease) in negotiable certificates of deposit | 94,259 | -96,815 | -31,720 | -39,890 | 124,660 | -4,067 | 18,430 | 22,475 | 49,837 | 72,306 |
| Net increase (decrease) in borrowed money (excluding subordinated borrowings) | 11,141 | -2,714 | -9,772 | -33,416 | 170,722 | 198,454 | -53,484 | 404,521 | -26,732 | 6,656 |
| Net decrease (increase) in due from banks (excluding due from Bank of Japan) | -10,330 | -3,708 | 118,511 | -4,714 | 14,628 | 9,534 | 890 | 79 | -759 | -542 |
| Net decrease (increase) in call loans | -16,514 | -48,617 | 11,283 | -30,072 | 12,556 | 68,218 | 22,811 | -352,831 | 356,890 | 610 |
| Net increase (decrease) in call money | -18,647 | -39,569 | 48,651 | -40,117 | 41,483 | -9,539 | 125,201 | 19,841 | 12,938 | -179,337 |
| Net increase (decrease) in cash collateral received for securities lent | 14,404 | 52,579 | 248,986 | -7,281 | -80 | -98,564 | -149,181 | 121,468 | -106,832 | 48,293 |
| Net decrease (increase) in foreign exchanges - assets | 2,700 | -3,006 | 5,823 | 1,051 | -3,047 | 1,109 | -72 | -3,576 | 2,144 | -2,713 |
| Net increase (decrease) in foreign exchanges - liabilities | 99 | -87 | - | 74 | 32 | -79 | 183 | 46 | -29 | 1,571 |
| Net decrease (increase) in lease receivables and investments in leases | -1,364 | -3,332 | -2,376 | -268 | -45 | -1,370 | -848 | -2,360 | 2,123 | 1,687 |
| Net increase (decrease) in borrowed money from trust account | - | - | - | 29 | - | 10 | -8 | -2 | -23 | 549 |
| Interest received | 85,445 | 87,126 | 86,707 | 80,038 | 75,141 | 73,044 | 77,560 | 79,013 | 74,857 | 77,215 |
| Interest paid | -8,819 | -7,878 | -7,090 | -6,456 | -8,531 | -7,541 | -11,378 | -13,638 | -5,171 | -3,195 |
| Other, net | 156 | 7,264 | 7,886 | -16,167 | -5,356 | -24,694 | -21,070 | -2,920 | 16,990 | 11,478 |
| Subtotal | 149,000 | -11,285 | 366,263 | -53,602 | 237,505 | 12,147 | -139,262 | 56,345 | 786,579 | -50,207 |
| Income taxes paid | -14,724 | -12,054 | -17,331 | -10,604 | -10,981 | -8,277 | -11,663 | -7,066 | -7,845 | -10,035 |
| Net cash provided by (used in) operating activities | 134,275 | -23,339 | 348,931 | -64,206 | 226,523 | 3,870 | -150,925 | 49,279 | 778,734 | -60,242 |
| Purchase of securities | -227,861 | -235,133 | -182,701 | -203,003 | -343,111 | -340,998 | -416,769 | -528,275 | -864,892 | -1,027,100 |
| Proceeds from sale of securities | 91,769 | 241,321 | 84,848 | 96,544 | 162,386 | 153,862 | 516,391 | 258,254 | 594,326 | 1,039,949 |
| Proceeds from redemption of securities | 96,339 | 96,919 | 122,378 | 147,360 | 187,902 | 134,458 | 144,532 | 141,891 | 206,516 | 155,652 |
| Increase in money held in trust | -3,100 | -600 | -1,042 | - | -626 | -1,105 | -388 | -438 | -3,073 | -83 |
| Decrease in money held in trust | 176 | 600 | - | 1,288 | 3,653 | 850 | 616 | - | 3,516 | 910 |
| Purchase of property, plant and equipment | -3,598 | -4,854 | -4,359 | -3,212 | -1,870 | -2,543 | -3,627 | -2,393 | -2,849 | -2,517 |
| Proceeds from sale of property, plant and equipment | 64 | 20 | 623 | 1,217 | 271 | 456 | 155 | 90 | 154 | 84 |
| Purchase of intangible assets | -1,825 | -1,278 | -1,067 | -1,570 | -1,809 | -2,074 | -3,420 | -3,160 | -3,448 | -3,254 |
| Net cash provided by (used in) investing activities | -48,035 | 95,693 | 18,680 | 38,624 | 6,797 | -57,093 | 237,490 | -134,032 | -69,750 | 163,640 |
| Proceeds from share issuance to non-controlling shareholders | - | - | 105 | 13 | 92 | 12 | 92 | 13 | 52 | 22 |
| Repayments to non-controlling shareholders | - | - | - | - | -11 | - | - | - | -3 | - |
| Dividends paid | -2,702 | -3,318 | -3,160 | -4,109 | -3,794 | -4,111 | -4,431 | -4,435 | -4,436 | -4,754 |
| Dividends paid to non-controlling interests | - | - | -7 | -7 | -7 | -5 | -5 | -5 | -5 | -2 |
| Purchase of treasury shares | -1,924 | -20 | -3 | -3 | -1 | -1 | -232 | - | - | -638 |
| Proceeds from sale of treasury shares | - | - | - | - | - | - | 231 | - | - | 638 |
| Purchase of shares of subsidiaries not resulting in change in scope of consolidation | - | - | - | - | -3,680 | - | - | -1,313 | -8,921 | - |
| Net cash provided by (used in) financing activities | -4,635 | -3,340 | -25,065 | -19,106 | -7,401 | -4,106 | -4,346 | -5,741 | -13,314 | -4,734 |
| Effect of exchange rate change on cash and cash equivalents | 38 | 30 | 53 | -23 | -1 | -16 | 13 | -6 | 6 | 33 |
| Net increase (decrease) in cash and cash equivalents | 81,643 | 69,043 | 342,599 | -44,712 | 225,916 | -57,346 | 82,231 | -90,501 | 695,675 | 98,696 |