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

TYO:7322 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	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	37,560	31,879	28,485	27,454	27,966	28,571
Interest Income on Investments	8,217	6,954	5,750	5,314	6,339	6,330
Total Interest Income	45,777	38,833	34,235	32,768	34,305	34,901
Interest Paid on Deposits	6,346	2,707	376	331	397	633
Interest Paid on Borrowings	308	308	109	123	147	182
Total Interest Expense	6,654	3,015	485	454	544	815
Net Interest Income	39,123	35,818	33,750	32,314	33,761	34,086
Net Interest Income Growth (YoY)	13.15%	6.13%	4.44%	-4.29%	-0.95%	-2.60%
Gain (Loss) on Sale of Assets	-183	-165	1,011	836	-64	3,074
Gain (Loss) on Sale of Investments	4,244	3,100	724	364	1,335	-1,471
Other Non-Interest Income	33,066	32,546	32,478	32,244	34,348	41,344
Total Non-Interest Income	37,127	35,481	34,213	33,444	35,619	42,947
Non-Interest Income Growth (YoY)	9.66%	3.71%	2.30%	-6.11%	-17.06%	42.25%
Revenues Before Loan Losses	76,250	71,299	67,963	65,758	69,380	77,033
Provision for Loan Losses	2,123	1,749	1,287	1,039	2,723	10,709
Revenue	74,127	69,550	66,676	64,719	66,657	66,324
Revenue Growth (YoY)	9.76%	4.31%	3.02%	-2.91%	0.50%	3.04%
Selling, General & Administrative	37,656	37,103	37,186	37,474	42,512	39,944
Other Non-Interest Expense	24,163	20,862	18,725	17,672	19,324	19,895
Total Non-Interest Expense	61,819	57,965	55,911	55,146	61,836	59,839
EBT Excluding Unusual Items	12,308	11,585	10,765	9,573	4,821	6,485
Asset Writedown	-147	-96	-318	-589	-1,017	-1,056
Other Unusual Items	284	283	-1	-	-57	-
Pretax Income	12,445	11,772	10,446	8,984	3,747	5,429
Income Tax Expense	3,000	3,119	3,518	2,624	-1,114	1,232
Earnings From Continuing Operations	9,445	8,653	6,928	6,360	4,861	4,197
Minority Interest in Earnings	-	-	-24	-28	44	-18
Net Income	9,445	8,653	6,904	6,332	4,905	4,179
Preferred Dividends & Other Adjustments	-	-	-	127	346	343
Net Income to Common	9,445	8,653	6,904	6,205	4,559	3,836
Net Income Growth	21.21%	25.33%	9.03%	29.09%	17.37%	0.68%
Basic Shares Outstanding	26	26	26	26	26	26
Diluted Shares Outstanding	26	26	26	34	47	47
Shares Change (YoY)	0.08%	0.06%	-22.54%	-27.84%	-0.59%	3.93%
EPS (Basic)	362.79	332.53	265.48	238.42	175.02	147.39
EPS (Diluted)	362.79	332.53	265.48	188.59	105.42	89.29
EPS Growth	21.11%	25.26%	40.77%	78.89%	18.07%	-3.13%
Dividend Per Share	127.000	100.000	80.000	72.000	72.000	72.000
Dividend Growth	56.79%	25.00%	11.11%	-	-	-
Effective Tax Rate	24.11%	26.50%	33.68%	29.21%	-	22.69%

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