The Bank of Saga Ltd. (TYO:8395)

The Bank of Saga Balance Sheet

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Cash & Equivalents	344,446	270,964	201,844	72,968	301,833	377,496
Investment Securities	560,656	581,229	692,318	699,393	665,122	604,143
Total Investments	560,656	581,229	692,318	699,393	665,122	604,143
Gross Loans	2,290,606	2,248,279	2,192,445	2,180,479	2,146,060	2,016,168
Allowance for Loan Losses	-13,056	-12,108	-13,510	-17,133	-17,231	-15,507
Net Loans	2,277,550	2,236,171	2,178,935	2,163,346	2,128,829	2,000,661
Property, Plant & Equipment	25,351	25,384	24,049	23,293	23,165	23,245
Other Intangible Assets	2,376	2,335	1,439	945	1,021	1,173
Restricted Cash	4,944	1,008	9,854	862	862	862
Other Current Assets	14,696	16,401	15,045	11,870	12,767	14,170
Long-Term Deferred Tax Assets	8,212	9,528	4,343	8,139	3,490	585
Other Long-Term Assets	18,897	34,767	32,942	28,429	26,937	28,712
Total Assets	3,257,128	3,177,787	3,160,769	3,009,245	3,164,026	3,051,047
Accrued Expenses	-	624	626	598	614	628
Interest Bearing Deposits	3,041,829	2,966,153	2,946,716	2,786,872	2,796,335	2,708,585
Total Deposits	3,041,829	2,966,153	2,946,716	2,786,872	2,796,335	2,708,585
Short-Term Borrowings	-	-	-	-	5,874	5,092
Other Current Liabilities	12,595	14,045	11,887	9,083	9,233	11,759
Long-Term Debt	42,376	45,195	57,329	72,134	202,517	163,462
Pension & Post-Retirement Benefits	276	280	292	1,220	1,234	1,169
Long-Term Deferred Tax Liabilities	3,050	3,051	3,027	3,128	3,208	5,904
Other Long-Term Liabilities	37,481	32,065	18,329	27,449	29,227	28,038
Total Liabilities	3,137,607	3,061,413	3,038,206	2,900,484	3,048,242	2,924,637
Common Stock	16,062	16,062	16,062	16,062	16,062	16,062
Additional Paid-In Capital	13,327	13,327	13,327	13,327	13,327	13,327
Retained Earnings	91,870	91,469	85,849	80,824	76,541	73,492
Treasury Stock	-121	-121	-881	-929	-978	-969
Comprehensive Income & Other	-1,617	-4,363	8,206	-523	10,832	24,498
Total Common Equity	119,521	116,374	122,563	108,761	115,784	126,410
Shareholders' Equity	119,521	116,374	122,563	108,761	115,784	126,410
Total Liabilities & Equity	3,257,128	3,177,787	3,160,769	3,009,245	3,164,026	3,051,047
Total Debt	42,376	45,195	57,329	72,134	208,391	168,554
Net Cash (Debt)	302,070	225,769	144,515	834	93,442	208,942
Net Cash Growth	-2.82%	56.23%	17227.94%	-99.11%	-55.28%	6.51%
Net Cash Per Share	17777.58	13290.69	8517.42	49.22	5523.56	12373.68
Filing Date Shares Outstanding	16.89	16.89	16.81	16.79	16.77	16.78
Total Common Shares Outstanding	16.89	16.89	16.81	16.79	16.77	16.78
Book Value Per Share	7076.20	6889.80	7292.01	6477.55	6902.46	7532.97
Tangible Book Value	117,145	114,039	121,124	107,816	114,763	125,237
Tangible Book Value Per Share	6935.53	6751.56	7206.40	6421.26	6841.59	7463.07

Updated Feb 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.