The Bank of Saga Ltd. (TYO:8395)

The Bank of Saga Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Net Income	11,320	10,462	7,690	7,569	6,674	3,892
Depreciation & Amortization	1,368	1,248	1,007	842	990	1,042
Gain (Loss) on Sale of Assets	454	399	-219	33	229	210
Gain (Loss) on Sale of Investments	136	390	1,864	2,086	-65	-678
Change in Other Net Operating Assets	-194,347	-68,703	-26,316	-177,358	-85,654	-98,062
Other Operating Activities	-9,396	13,041	-30,814	-12,527	-11,911	454
Operating Cash Flow	-190,465	-43,163	-46,788	-179,355	-89,737	-93,142
Capital Expenditures	-1,617	-2,581	-1,583	-1,132	-1,009	-944
Sale of Property, Plant and Equipment	92	16	357	427	195	1,222
Investment in Securities	85,023	90,481	32,946	-42,798	-66,488	-67,747
Purchase / Sale of Intangibles	-783	-1,354	-811	-223	-157	-403
Other Investing Activities	8,348	8,845	-8,994	4	13	13
Investing Cash Flow	91,063	95,407	21,915	-43,722	-67,446	-67,859
Repurchase of Common Stock	-3	-2	-1	-10	-9	-
Common Dividends Paid	-1,516	-1,430	-1,174	-1,173	-1,173	-1,173
Net Increase (Decrease) in Deposit Accounts	87,039	19,437	159,844	-9,462	87,750	325,343
Other Financing Activities	-	-1	-1	-1	-1	-
Financing Cash Flow	85,520	18,004	158,668	-10,646	86,567	324,170
Foreign Exchange Rate Adjustments	-	-	1	-4	1	2
Net Cash Flow	-13,883	70,247	133,797	-233,728	-70,615	163,170
Free Cash Flow	-192,082	-45,744	-48,371	-180,487	-90,746	-94,086
Free Cash Flow Margin	-396.00%	-89.99%	-101.04%	-416.63%	-226.71%	-243.56%
Free Cash Flow Per Share	-11301.27	-2692.88	-2850.89	-10651.34	-5364.19	-5571.84
Cash Income Tax Paid	2,399	652	1,401	2,592	2,697	22

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.