Seven Bank, Ltd. (SVNBY)

Seven Bank Income Statement

Financials in millions JPY. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	11,831	9,750	7,503	4,710	3,896	3,478
Interest Income on Investments	2,646	1,339	655	222	136	131
Total Interest Income	14,477	11,089	8,158	4,932	4,032	3,609
Interest Paid on Deposits	1,606	520	32	34	46	67
Interest Paid on Borrowings	1,504	1,578	1,142	781	556	472
Total Interest Expense	3,110	2,098	1,174	815	602	539
Net Interest Income	11,367	8,991	6,984	4,117	3,430	3,070
Net Interest Income Growth (YoY)	32.54%	28.74%	69.64%	20.03%	11.73%	6.04%
Gain (Loss) on Sale of Assets	-323	-742	-549	-246	-754	15
Gain (Loss) on Sale of Investments	-	2,272	-1,307	1,105	-	-
Other Non-Interest Income	203,317	201,014	189,663	148,947	132,635	133,658
Total Non-Interest Income	202,994	202,544	187,807	149,806	131,881	133,673
Non-Interest Income Growth (YoY)	1.77%	7.85%	25.37%	13.59%	-1.34%	-7.77%
Revenues Before Loan Losses	214,361	211,535	194,791	153,923	135,311	136,743
Provision for Loan Losses	2,887	2,887	2,179	1,017	415	63
Revenue	211,474	208,648	192,612	152,906	134,896	136,680
Revenue Growth (YoY)	2.73%	8.33%	25.97%	13.35%	-1.31%	-7.54%
Selling, General & Administrative	126,021	122,166	108,084	80,195	70,245	64,308
Other Non-Interest Expense	56,709	56,936	54,552	44,033	37,150	36,717
Total Non-Interest Expense	182,730	179,102	162,636	124,228	107,395	101,025
EBT Excluding Unusual Items	28,744	29,546	29,976	28,678	27,501	35,655
Asset Writedown	-8,073	-2,025	-351	-1,254	-763	-
Other Unusual Items	1,057	1,314	15,504	-1	416	-
Pretax Income	21,728	28,835	45,129	27,423	27,154	35,655
Income Tax Expense	9,743	10,567	13,170	8,863	6,471	9,918
Earnings From Continuing Operations	11,985	18,268	31,959	18,560	20,683	25,737
Minority Interest in Earnings	35	-47	11	294	144	168
Net Income	12,020	18,221	31,970	18,854	20,827	25,905
Net Income to Common	12,020	18,221	31,970	18,854	20,827	25,905
Net Income Growth	16.00%	-43.01%	69.57%	-9.47%	-19.60%	-0.98%
Basic Shares Outstanding	1,110	1,170	1,173	1,176	1,176	1,177
Diluted Shares Outstanding	1,110	1,170	1,173	1,176	1,176	1,177
Shares Change (YoY)	-5.10%	-0.25%	-0.27%	0.03%	-0.12%	-0.49%
EPS (Basic)	10.83	15.57	27.26	16.03	17.72	22.01
EPS (Diluted)	10.83	15.57	27.26	16.03	17.72	22.00
EPS Growth	22.23%	-42.86%	70.02%	-9.50%	-19.47%	-0.50%
Dividend Per Share	11.000	11.000	11.000	11.000	11.000	11.000
Effective Tax Rate	44.84%	36.65%	29.18%	32.32%	23.83%	27.82%

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