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	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Dec '25 Dec 31, 2025	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	2020 - 2016
Net Income	-	10,462	7,690	7,569	6,674	3,892	Upgrade
Depreciation & Amortization	-	1,248	1,007	842	990	1,042	Upgrade
Gain (Loss) on Sale of Assets	-	399	-219	33	229	210	Upgrade
Gain (Loss) on Sale of Investments	-	390	1,864	2,086	-65	-678	Upgrade
Change in Other Net Operating Assets	-	-68,703	-26,316	-177,358	-85,654	-98,062	Upgrade
Other Operating Activities	-	13,041	-30,814	-12,527	-11,911	454	Upgrade
Operating Cash Flow	-	-43,163	-46,788	-179,355	-89,737	-93,142	Upgrade
Capital Expenditures	-	-2,581	-1,583	-1,132	-1,009	-944	Upgrade
Sale of Property, Plant and Equipment	-	16	357	427	195	1,222	Upgrade
Investment in Securities	-	90,481	32,946	-42,798	-66,488	-67,747	Upgrade
Purchase / Sale of Intangibles	-	-1,354	-811	-223	-157	-403	Upgrade
Other Investing Activities	-	8,845	-8,994	4	13	13	Upgrade
Investing Cash Flow	-	95,407	21,915	-43,722	-67,446	-67,859	Upgrade
Repurchase of Common Stock	-	-2	-1	-10	-9	-	Upgrade
Common Dividends Paid	-	-1,430	-1,174	-1,173	-1,173	-1,173	Upgrade
Net Increase (Decrease) in Deposit Accounts	-	19,437	159,844	-9,462	87,750	325,343	Upgrade
Other Financing Activities	-	-1	-1	-1	-1	-	Upgrade
Financing Cash Flow	-	18,004	158,668	-10,646	86,567	324,170	Upgrade
Foreign Exchange Rate Adjustments	-	-	1	-4	1	2	Upgrade
Net Cash Flow	-	70,247	133,797	-233,728	-70,615	163,170	Upgrade
Free Cash Flow	-	-45,744	-48,371	-180,487	-90,746	-94,086	Upgrade
Free Cash Flow Margin	-	-89.99%	-101.04%	-416.63%	-226.71%	-243.56%	Upgrade
Free Cash Flow Per Share	-	-2692.88	-2850.89	-10651.34	-5364.19	-5571.84	Upgrade
Cash Income Tax Paid	-	652	1,401	2,592	2,697	22	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.