Concordia Financial Group, Ltd. (TYO:7186)

Concordia Financial Group 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	3,960,071	4,445,659	4,133,789	6,426,095	5,637,213	4,173,809
Investment Securities	3,067,783	2,949,911	2,980,720	2,893,083	2,745,241	3,028,356
Trading Asset Securities	1,487	1,517	1,730	3,266	4,908	4,198
Total Investments	3,069,270	2,951,428	2,982,450	2,896,349	2,750,149	3,032,554
Gross Loans	17,317,058	16,776,545	16,636,248	15,858,445	15,116,537	13,780,514
Allowance for Loan Losses	-81,506	-82,935	-83,889	-82,845	-74,855	-76,134
Net Loans	17,235,552	16,693,610	16,552,359	15,775,600	15,041,682	13,704,380
Property, Plant & Equipment	170,533	167,705	168,068	164,406	167,834	166,802
Other Intangible Assets	29,578	18,156	18,946	17,450	16,649	17,703
Restricted Cash	7,901	8,399	-	-	-	-
Other Current Assets	91,337	68,762	61,992	60,729	67,962	71,601
Long-Term Deferred Tax Assets	908	1,577	983	30,540	20,387	11,629
Other Long-Term Assets	330,789	437,842	463,125	358,383	358,916	398,920
Total Assets	24,895,939	24,793,138	24,381,712	25,729,552	24,060,792	21,577,398
Accrued Expenses	2,584	5,907	5,013	4,637	4,858	4,837
Interest Bearing Deposits	20,635,840	20,659,855	20,327,494	19,745,391	19,355,462	18,198,017
Total Deposits	20,635,840	20,659,855	20,327,494	19,745,391	19,355,462	18,198,017
Short-Term Borrowings	455,656	179,870	332,503	2,064,614	867,784	177,227
Other Current Liabilities	58,016	47,933	37,431	35,551	40,795	42,935
Long-Term Debt	2,031,154	2,240,994	2,183,792	2,434,778	2,388,103	1,702,082
Pension & Post-Retirement Benefits	1,024	957	910	677	602	536
Long-Term Deferred Tax Liabilities	26,703	17,012	26,827	16,343	16,358	16,658
Other Long-Term Liabilities	354,512	348,018	182,977	266,308	222,205	276,008
Total Liabilities	23,565,489	23,500,546	23,096,947	24,568,299	22,896,167	20,418,300
Common Stock	150,078	150,078	150,078	150,078	150,078	150,078
Additional Paid-In Capital	204,725	204,725	231,561	247,364	247,365	247,363
Retained Earnings	847,866	839,132	784,229	741,440	708,456	675,707
Treasury Stock	-1,975	-1,652	-8,485	-17,366	-4,292	-1,342
Comprehensive Income & Other	116,407	95,421	121,315	33,922	57,018	81,398
Total Common Equity	1,317,101	1,287,704	1,278,698	1,155,438	1,158,625	1,153,204
Minority Interest	13,349	4,888	6,067	5,815	6,000	5,894
Shareholders' Equity	1,330,450	1,292,592	1,284,765	1,161,253	1,164,625	1,159,098
Total Liabilities & Equity	24,895,939	24,793,138	24,381,712	25,729,552	24,060,792	21,577,398
Total Debt	2,486,810	2,420,864	2,516,295	4,499,392	3,255,887	1,879,309
Net Cash (Debt)	1,474,748	2,026,312	1,619,224	1,929,969	2,386,234	2,298,698
Net Cash Growth	-4.95%	25.14%	-16.10%	-19.12%	3.81%	44.12%
Net Cash Per Share	1292.24	1753.03	1382.90	1628.76	1978.49	1905.23
Filing Date Shares Outstanding	1,141	1,141	1,164	1,174	1,185	1,206
Total Common Shares Outstanding	1,141	1,141	1,164	1,174	1,200	1,206
Book Value Per Share	1154.10	1128.09	1098.40	984.09	965.50	955.85
Tangible Book Value	1,287,523	1,269,548	1,259,752	1,137,988	1,141,976	1,135,501
Tangible Book Value Per Share	1128.19	1112.19	1082.13	969.23	951.63	941.18

Updated Feb 5, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.