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 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Net Income	12,064	10,462	7,690	7,569	6,674
Depreciation & Amortization	1,482	1,248	1,007	842	990
Gain (Loss) on Sale of Assets	67	399	-219	33	229
Gain (Loss) on Sale of Investments	679	390	1,864	2,086	-65
Change in Other Net Operating Assets	-113,542	-68,703	-26,316	-177,358	-85,654
Other Operating Activities	-11,026	13,041	-30,814	-12,527	-11,911
Operating Cash Flow	-110,276	-43,163	-46,788	-179,355	-89,737
Capital Expenditures	-3,551	-2,581	-1,583	-1,132	-1,009
Sale of Property, Plant and Equipment	76	16	357	427	195
Investment in Securities	89,747	90,481	32,946	-42,798	-66,488
Purchase / Sale of Intangibles	-878	-1,354	-811	-223	-157
Other Investing Activities	-860	8,845	-8,994	4	13
Investing Cash Flow	84,534	95,407	21,915	-43,722	-67,446
Repurchase of Common Stock	-4	-2	-1	-10	-9
Common Dividends Paid	-1,686	-1,430	-1,174	-1,173	-1,173
Net Increase (Decrease) in Deposit Accounts	34,830	19,437	159,844	-9,462	87,750
Other Financing Activities	-1	-1	-1	-1	-1
Financing Cash Flow	33,139	18,004	158,668	-10,646	86,567
Foreign Exchange Rate Adjustments	1	-	1	-4	1
Net Cash Flow	7,397	70,247	133,797	-233,728	-70,615
Free Cash Flow	-113,827	-45,744	-48,371	-180,487	-90,746
Free Cash Flow Margin	-184.59%	-89.99%	-101.04%	-416.63%	-226.71%
Free Cash Flow Per Share	-6693.45	-2692.88	-2850.89	-10651.34	-5364.19
Cash Income Tax Paid	3,012	652	1,401	2,592	2,697