Concordia Financial Group, Ltd. (TYO: 7186)

Concordia Financial Group Balance Sheet

Financials in millions JPY. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Cash & Equivalents	3,852,207	4,133,789	6,426,095	5,637,213	4,173,809	2,635,524
Investment Securities	2,951,565	2,980,720	2,893,083	2,745,241	3,028,356	2,478,642
Trading Asset Securities	1,501	1,730	3,266	4,908	4,198	4,493
Total Investments	2,953,066	2,982,450	2,896,349	2,750,149	3,032,554	2,483,135
Gross Loans	16,490,243	16,636,248	15,858,445	15,116,537	13,780,514	13,255,538
Allowance for Loan Losses	-85,826	-83,889	-82,845	-74,855	-76,134	-62,172
Net Loans	16,404,417	16,552,359	15,775,600	15,041,682	13,704,380	13,193,366
Property, Plant & Equipment	167,091	168,068	164,406	167,834	166,802	167,483
Other Intangible Assets	18,288	18,946	17,450	16,649	17,703	18,444
Restricted Cash	3,602	-	-	-	-	-
Other Current Assets	57,672	61,992	60,729	67,962	71,601	70,126
Long-Term Deferred Tax Assets	962	983	30,540	20,387	11,629	25,364
Other Long-Term Assets	390,585	463,125	358,383	358,916	398,920	334,495
Total Assets	23,847,890	24,381,712	25,729,552	24,060,792	21,577,398	18,927,937
Accrued Expenses	4,646	5,013	4,637	4,858	4,837	4,182
Interest Bearing Deposits	19,774,112	20,327,494	19,745,391	19,355,462	18,198,017	16,505,791
Total Deposits	19,774,112	20,327,494	19,745,391	19,355,462	18,198,017	16,505,791
Short-Term Borrowings	199,521	332,503	2,064,614	867,784	177,227	339,510
Other Current Liabilities	36,954	37,431	35,551	40,795	42,935	52,751
Long-Term Debt	2,219,290	2,183,792	2,434,778	2,388,103	1,702,082	705,563
Pension & Post-Retirement Benefits	924	910	677	602	536	1,409
Long-Term Deferred Tax Liabilities	20,355	26,827	16,343	16,358	16,658	16,557
Other Long-Term Liabilities	292,024	182,977	266,308	222,205	276,008	198,202
Total Liabilities	22,547,826	23,096,947	24,568,299	22,896,167	20,418,300	17,823,965
Common Stock	150,078	150,078	150,078	150,078	150,078	150,078
Additional Paid-In Capital	224,818	231,561	247,364	247,365	247,363	247,362
Retained Earnings	814,537	784,229	741,440	708,456	675,707	669,897
Treasury Stock	-1,743	-8,485	-17,366	-4,292	-1,342	-1,416
Comprehensive Income & Other	107,606	121,315	33,922	57,018	81,398	32,691
Total Common Equity	1,295,296	1,278,698	1,155,438	1,158,625	1,153,204	1,098,612
Minority Interest	4,768	6,067	5,815	6,000	5,894	5,360
Shareholders' Equity	1,300,064	1,284,765	1,161,253	1,164,625	1,159,098	1,103,972
Total Liabilities & Equity	23,847,890	24,381,712	25,729,552	24,060,792	21,577,398	18,927,937
Total Debt	2,418,811	2,516,295	4,499,392	3,255,887	1,879,309	1,045,073
Net Cash (Debt)	1,434,897	1,619,224	1,929,969	2,386,234	2,298,698	1,594,944
Net Cash Growth	1.00%	-16.10%	-19.12%	3.81%	44.12%	-1.06%
Net Cash Per Share	1230.78	1382.90	1628.76	1978.49	1905.23	1315.14
Filing Date Shares Outstanding	1,164	1,167	1,174	1,185	1,206	1,206
Total Common Shares Outstanding	1,164	1,167	1,174	1,200	1,206	1,206
Book Value Per Share	1112.66	1096.12	984.09	965.50	955.85	910.74
Tangible Book Value	1,277,008	1,259,752	1,137,988	1,141,976	1,135,501	1,080,168
Tangible Book Value Per Share	1096.95	1079.88	969.23	951.63	941.18	895.45

Source: S&P Capital IQ. Banks template. Financial Sources.