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Finance

The Juroku Bank, Ltd.

Business Summary

The Juroku Bank, Ltd. engages in the business of financial baking services. It operates through the following segments: Banking, Leasing, and Others. The Banking segment includes deposit, loan, securities investment, bond trustee, derivative trading, and foreign exchange services. The Leasing segment provides general leasing services. The Others segment consists of credit card, credit guarantee, and computer-related businesses. The company was founded on August 8, 1877 and is headquartered in Gifu, Japan.

Financial Highlights

Mar 2020 JPYUSD
Revenue106,416M978.75M
Gross Profit----
Operating income20,985M193.00M
Income before tax19,274M177.27M
Net income12,862M118.29M
EBITDA----
Diluted EPS343.713.16
Dividends Per Share700.64
Total Assets6,472.45B59,955.10M
Total liabilities6,106.04B56,560.99M
Total equity350,232M3,244.24M
Operating cash flow14,899M137.03M
Currency in JPYCurrency in USD

Historical Data

 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 110,252M 118,656M 101,527M 103,520M 106,416M
Gross Profit -- -- -- -- --
Operating income 21,033M 13,281M 12,941M 16,158M 20,985M
Income before tax 21,889M 14,348M 13,611M 16,063M 19,274M
Net income 13,371M 10,037M 9,902M 10,658M 12,862M
EBITDA -- -- -- -- --
Diluted EPS 357.60 268.30 264.64 284.91 343.71
Dividends Per Share 70 70 80 70 70
Total Assets 6,209.78B 6,038.33B 6,096.56B 6,369.15B 6,472.45B
Total liabilities 5,855.60B 5,690.95B 5,735.30B 5,998.95B 6,106.04B
Total equity 337,460M 329,738M 343,246M 354,229M 350,232M
Operating cash flow 9,302M 18,619M -34,282M 3,505M 14,899M
 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 918.12M 1,095.74M 916.04M 933.49M 978.75M
Gross Profit -- -- -- -- --
Operating income 175.15M 122.64M 116.76M 145.70M 193.00M
Income before tax 182.28M 132.49M 122.80M 144.84M 177.27M
Net income 111.34M 92.68M 89.34M 96.10M 118.29M
EBITDA -- -- -- -- --
Diluted EPS 2.97 2.47 2.38 2.56 3.16
Dividends Per Share 0.58 0.64 0.72 0.63 0.64
Total Assets 55,249.61M 54,189.47M 57,325.49M 57,543.08M 59,955.10M
Total liabilities 52,098.40M 51,072.02M 53,928.61M 54,198.41M 56,560.99M
Total equity 3,002.44M 2,959.14M 3,227.51M 3,200.33M 3,244.24M
Operating cash flow 77.46M 171.94M -309.31M 31.60M 137.03M

Valuation Measures

Mar 2020
PER5.47
ROA0.20%
ROE3.65%
Operating margin19.71%
Profit margin12.08%

Key executives

  • President & Representative Director: Yukio Murase
  • Representative Director & Vice President: Naoki Ikeda
  • Director, Executive Officer & Manager-Planning: Akihide Ishiguro
  • Executive Officer & Manager-Administration: Hirokazu Kusui
  • Director & Managing Executive Officer: Kazuhito Akiba

Shareholders

  • Mitsubishi UFJ Financial Group, Inc. (3.7%)
  • Juroku Bank Employee Stock Ownership Plan (2.9%)
  • Fuji Baking Group Co., Ltd. (2.5%)
  • Sompo Holdings, Inc. (2.5%)
  • Meiji Yasuda Life Insurance Co. (2.4%)
  • The Vanguard Group, Inc. (2.2%)
  • Dimensional Fund Advisors LP (2.0%)
  • Nomura Asset Management Co., Ltd. (2.0%)
  • Tokio Marine Holdings, Inc. (1.5%)
  • Seino Holdings Co., Ltd. (1.4%)

Contact Details

Related Companies

  • Juroku Bank Pension Fund
  • Juroku Bank Ltd. (New York)
  • Juroku Capital Co. Ltd.
  • Juroku Lease Co., Ltd.
  • Juroku International Finance
  • Juroku Bank Employee Stock Ownership Plan
  • Gifu Bank Ltd.

Competitors

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