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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Cash & Equivalents	170,819	201,844	72,968	301,833	377,496	214,707
Investment Securities	614,679	692,318	699,393	665,122	604,143	523,326
Total Investments	614,679	692,318	699,393	665,122	604,143	523,326
Gross Loans	2,225,203	2,192,445	2,180,479	2,146,060	2,016,168	1,765,020
Allowance for Loan Losses	-12,820	-13,510	-17,133	-17,231	-15,507	-14,156
Net Loans	2,212,383	2,178,935	2,163,346	2,128,829	2,000,661	1,750,864
Property, Plant & Equipment	25,017	24,049	23,293	23,165	23,245	24,378
Other Intangible Assets	2,236	1,439	945	1,021	1,173	1,168
Restricted Cash	9,739	9,854	862	862	862	862
Other Current Assets	15,792	15,045	11,870	12,767	14,170	15,070
Long-Term Deferred Tax Assets	7,248	4,343	8,139	3,490	585	1,962
Other Long-Term Assets	37,112	32,942	28,429	26,937	28,712	27,549
Total Assets	3,095,025	3,160,769	3,009,245	3,164,026	3,051,047	2,559,886
Accrued Expenses	-	626	598	614	628	654
Interest Bearing Deposits	2,888,659	2,946,716	2,786,872	2,796,335	2,708,585	2,383,241
Total Deposits	2,888,659	2,946,716	2,786,872	2,796,335	2,708,585	2,383,241
Short-Term Borrowings	-	-	-	5,874	5,092	1,741
Other Current Liabilities	13,446	11,887	9,083	9,233	11,759	11,610
Long-Term Debt	45,474	57,329	72,134	202,517	163,462	16,794
Pension & Post-Retirement Benefits	283	292	1,220	1,234	1,169	3,460
Long-Term Deferred Tax Liabilities	3,007	3,027	3,128	3,208	5,904	3,525
Other Long-Term Liabilities	24,433	18,329	27,449	29,227	28,038	24,116
Total Liabilities	2,975,302	3,038,206	2,900,484	3,048,242	2,924,637	2,445,141
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	90,781	85,849	80,824	76,541	73,492	71,783
Treasury Stock	-657	-881	-929	-978	-969	-1,067
Comprehensive Income & Other	210	8,206	-523	10,832	24,498	14,640
Total Common Equity	119,723	122,563	108,761	115,784	126,410	114,745
Shareholders' Equity	119,723	122,563	108,761	115,784	126,410	114,745
Total Liabilities & Equity	3,095,025	3,160,769	3,009,245	3,164,026	3,051,047	2,559,886
Total Debt	45,474	57,329	72,134	208,391	168,554	18,535
Net Cash (Debt)	125,345	144,515	834	93,442	208,942	196,172
Net Cash Growth	-	17227.94%	-99.11%	-55.28%	6.51%	-6.87%
Net Cash Per Share	7374.75	8517.42	49.22	5523.56	12373.68	11642.26
Filing Date Shares Outstanding	16.89	16.81	16.79	16.77	16.78	16.75
Total Common Shares Outstanding	16.89	16.81	16.79	16.77	16.78	16.75
Book Value Per Share	7087.87	7292.01	6477.55	6902.46	7532.97	6852.32
Tangible Book Value	117,487	121,124	107,816	114,763	125,237	113,577
Tangible Book Value Per Share	6955.49	7206.40	6421.26	6841.59	7463.07	6782.57

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