Suruga Bank Income 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
Period Ending	Sep '25 Sep 30, 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
Interest Income on Loans	65,214	60,862	61,221	65,160	71,909	81,225
Interest Income on Investments	8,243	7,563	5,067	3,402	3,121	1,938
Total Interest Income	73,457	68,425	66,288	68,562	75,030	83,163
Interest Paid on Deposits	5,017	2,543	1,132	1,299	1,462	1,486
Interest Paid on Borrowings	8	8	23	84	27	77
Total Interest Expense	5,025	2,551	1,155	1,383	1,489	1,563
Net Interest Income	68,432	65,874	65,133	67,179	73,541	81,600
Net Interest Income Growth (YoY)	5.38%	1.14%	-3.05%	-8.65%	-9.88%	-11.72%
Gain (Loss) on Sale of Assets	-640	-70	-601	-371	-881	226
Gain (Loss) on Sale of Investments	-217	-1,647	-5,074	-11,843	522	1,127
Other Non-Interest Income	24,811	21,540	22,054	18,437	16,421	15,043
Total Non-Interest Income	23,954	19,823	16,379	6,223	16,062	16,396
Non-Interest Income Growth (YoY)	53.31%	21.03%	163.20%	-61.26%	-2.04%	-29.41%
Revenues Before Loan Losses	92,386	85,697	81,512	73,402	89,603	97,996
Provision for Loan Losses	6,952	6,971	8,356	4,693	19,904	8,384
Revenue	85,434	78,726	73,156	68,709	69,699	89,612
Revenue Growth (YoY)	17.38%	7.61%	6.47%	-1.42%	-22.22%	-20.12%
Selling, General & Administrative	37,554	37,708	38,013	38,348	41,186	43,494
Other Non-Interest Expense	18,587	14,929	15,103	17,467	18,798	22,779
Total Non-Interest Expense	56,141	52,637	53,116	55,815	59,984	66,273
EBT Excluding Unusual Items	29,293	26,089	20,040	12,894	9,715	23,339
Asset Writedown	-1,264	-1,406	-559	-859	-653	-568
Other Unusual Items	33	33	-1	-1	-1	-
Pretax Income	28,062	24,716	19,480	12,034	9,061	22,771
Income Tax Expense	3,141	4,536	4,099	1,457	1,105	1,344
Earnings From Continuing Operations	24,921	20,180	15,381	10,577	7,956	21,427
Minority Interest in Earnings	-2	-3	-6	-1	4	6
Net Income	24,919	20,177	15,375	10,576	7,960	21,433
Net Income to Common	24,919	20,177	15,375	10,576	7,960	21,433
Net Income Growth	47.71%	31.23%	45.38%	32.86%	-62.86%	-15.37%
Basic Shares Outstanding	182	189	204	188	229	232
Diluted Shares Outstanding	182	189	204	188	229	232
Shares Change (YoY)	-7.39%	-7.33%	8.20%	-17.82%	-1.06%	-
EPS (Basic)	136.55	106.85	75.45	56.15	34.73	92.52
EPS (Diluted)	136.55	106.85	75.45	56.15	34.73	92.52
EPS Growth	59.49%	41.62%	34.37%	61.68%	-62.46%	-15.37%
Dividend Per Share	36.500	29.000	21.000	9.000	6.000	5.000
Dividend Growth	28.07%	38.09%	133.33%	50.00%	20.00%	-
Effective Tax Rate	11.19%	18.35%	21.04%	12.11%	12.20%	5.90%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.