San ju San Financial Group,Inc. (TYO:7322)

TYO:7322 Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	31,879	28,485	27,454	27,966	28,571
Interest Income on Investments	6,954	5,750	5,314	6,339	6,330
Total Interest Income	38,833	34,235	32,768	34,305	34,901
Interest Paid on Deposits	2,707	376	331	397	633
Interest Paid on Borrowings	308	109	123	147	182
Total Interest Expense	3,015	485	454	544	815
Net Interest Income	35,818	33,750	32,314	33,761	34,086
Net Interest Income Growth (YoY)	6.13%	4.44%	-4.29%	-0.95%	-2.60%
Gain (Loss) on Sale of Assets	-165	1,011	836	-64	3,074
Gain (Loss) on Sale of Investments	-	724	364	1,335	-1,471
Other Non-Interest Income	36,080	32,478	32,244	34,348	41,344
Total Non-Interest Income	35,915	34,213	33,444	35,619	42,947
Non-Interest Income Growth (YoY)	4.98%	2.30%	-6.11%	-17.06%	42.25%
Revenues Before Loan Losses	71,733	67,963	65,758	69,380	77,033
Provision for Loan Losses	1,749	1,287	1,039	2,723	10,709
Revenue	69,984	66,676	64,719	66,657	66,324
Revenue Growth (YoY)	4.96%	3.02%	-2.91%	0.50%	3.04%
Selling, General & Administrative	37,103	37,186	37,474	42,512	39,944
Other Non-Interest Expense	21,296	18,725	17,672	19,324	19,895
Total Non-Interest Expense	58,399	55,911	55,146	61,836	59,839
EBT Excluding Unusual Items	11,585	10,765	9,573	4,821	6,485
Asset Writedown	-96	-318	-589	-1,017	-1,056
Other Unusual Items	283	-1	-	-57	-
Pretax Income	11,772	10,446	8,984	3,747	5,429
Income Tax Expense	3,119	3,518	2,624	-1,114	1,232
Earnings From Continuing Operations	8,653	6,928	6,360	4,861	4,197
Minority Interest in Earnings	-	-24	-28	44	-18
Net Income	8,653	6,904	6,332	4,905	4,179
Preferred Dividends & Other Adjustments	-	-	127	346	343
Net Income to Common	8,653	6,904	6,205	4,559	3,836
Net Income Growth	25.33%	9.03%	29.09%	17.37%	0.68%
Basic Shares Outstanding	26	26	26	26	26
Diluted Shares Outstanding	26	26	34	47	47
Shares Change (YoY)	0.06%	-22.54%	-27.84%	-0.59%	3.93%
EPS (Basic)	332.52	265.48	238.42	175.02	147.39
EPS (Diluted)	332.52	265.48	188.59	105.42	89.29
EPS Growth	25.25%	40.77%	78.89%	18.07%	-3.13%
Dividend Per Share	100.000	80.000	72.000	72.000	72.000
Dividend Growth	25.00%	11.11%	-	-	-
Effective Tax Rate	26.50%	33.68%	29.21%	-	22.69%

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