The Bank of Saga Cash Flow Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	10,462	7,690	7,569	6,674	3,892
Depreciation & Amortization	1,248	1,007	842	990	1,042
Gain (Loss) on Sale of Assets	399	-219	33	229	210
Gain (Loss) on Sale of Investments	390	1,864	2,086	-65	-678
Change in Other Net Operating Assets	-68,703	-26,316	-177,358	-85,654	-98,062
Other Operating Activities	13,041	-30,814	-12,527	-11,911	454
Operating Cash Flow	-43,163	-46,788	-179,355	-89,737	-93,142
Capital Expenditures	-2,581	-1,583	-1,132	-1,009	-944
Sale of Property, Plant and Equipment	16	357	427	195	1,222
Investment in Securities	90,481	32,946	-42,798	-66,488	-67,747
Purchase / Sale of Intangibles	-1,354	-811	-223	-157	-403
Other Investing Activities	8,845	-8,994	4	13	13
Investing Cash Flow	95,407	21,915	-43,722	-67,446	-67,859
Repurchase of Common Stock	-2	-1	-10	-9	-
Common Dividends Paid	-1,430	-1,174	-1,173	-1,173	-1,173
Net Increase (Decrease) in Deposit Accounts	19,437	159,844	-9,462	87,750	325,343
Other Financing Activities	-1	-1	-1	-1	-
Financing Cash Flow	18,004	158,668	-10,646	86,567	324,170
Foreign Exchange Rate Adjustments	-	1	-4	1	2
Net Cash Flow	70,247	133,797	-233,728	-70,615	163,170
Free Cash Flow	-45,744	-48,371	-180,487	-90,746	-94,086
Free Cash Flow Margin	-89.99%	-101.04%	-416.63%	-226.71%	-243.56%
Free Cash Flow Per Share	-2692.88	-2850.89	-10651.34	-5364.19	-5571.84
Cash Income Tax Paid	652	1,401	2,592	2,697	22

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.