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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 2019 JPYUSD
Revenue103,520M933.49M
Gross Profit----
Operating income16,158M145.70M
Income before tax16,063M144.84M
Net income10,658M96.10M
EBITDA----
Diluted EPS284.912.56
Dividends Per Share700.63
Total Assets6,369.15B57,543.08M
Total liabilities5,998.95B54,198.41M
Total equity354,229M3,200.33M
Operating cash flow3,505M31.60M
Currency in JPYCurrency in USD

Historical Data

 Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Revenue 124,525M 110,252M 118,656M 101,527M 103,520M
Gross Profit -- -- -- -- --
Operating income 36,490M 21,033M 13,281M 12,941M 16,158M
Income before tax 38,228M 21,889M 14,348M 13,611M 16,063M
Net income 22,799M 13,371M 10,037M 9,902M 10,658M
EBITDA -- -- -- -- --
Diluted EPS 535.60 357.60 268.30 264.64 284.91
Dividends Per Share 80 70 70 80 70
Total Assets 6,088.50B 6,209.78B 6,038.33B 6,096.56B 6,369.15B
Total liabilities 5,728.32B 5,855.60B 5,690.95B 5,735.30B 5,998.95B
Total equity 344,146M 337,460M 329,738M 343,246M 354,229M
Operating cash flow 77,413M 9,302M 18,619M -34,282M 3,505M
 Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Revenue 1,133.52M 918.12M 1,095.74M 916.04M 933.49M
Gross Profit -- -- -- -- --
Operating income 332.16M 175.15M 122.64M 116.76M 145.70M
Income before tax 347.98M 182.28M 132.49M 122.80M 144.84M
Net income 207.53M 111.34M 92.68M 89.34M 96.10M
EBITDA -- -- -- -- --
Diluted EPS 4.87 2.97 2.47 2.38 2.56
Dividends Per Share 0.72 0.58 0.64 0.72 0.63
Total Assets 50,769.25M 55,249.61M 54,189.47M 57,325.49M 57,543.08M
Total liabilities 47,765.85M 52,098.40M 51,072.02M 53,928.61M 54,198.41M
Total equity 2,869.67M 3,002.44M 2,959.14M 3,227.51M 3,200.33M
Operating cash flow 704.67M 77.46M 171.94M -309.31M 31.60M

Valuation Measures

Mar 2019
PER7.87
ROA0.17%
ROE3.05%
Operating margin15.60%
Profit margin10.29%

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%)
  • Sompo Holdings, Inc. (3.2%)
  • Juroku Bank Employee Stock Ownership Plan (2.8%)
  • Fuji Baking Group Co., Ltd. (2.5%)
  • Meiji Yasuda Life Insurance Co. (2.4%)
  • The Vanguard Group, Inc. (2.3%)
  • Dimensional Fund Advisors LP (2.0%)
  • Nomura Asset Management Co., Ltd. (1.6%)
  • 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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