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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	30,696	28,485	27,454	27,966	28,571	28,226
Interest Income on Investments	6,152	5,750	5,314	6,339	6,330	7,942
Total Interest Income	36,848	34,235	32,768	34,305	34,901	36,168
Interest Paid on Deposits	1,685	376	331	397	633	879
Interest Paid on Borrowings	109	109	123	147	182	294
Total Interest Expense	1,794	485	454	544	815	1,173
Net Interest Income	35,054	33,750	32,314	33,761	34,086	34,995
Net Interest Income Growth (YoY)	5.22%	4.44%	-4.29%	-0.95%	-2.60%	-0.77%
Gain (Loss) on Sale of Assets	-133	1,011	836	-64	3,074	335
Gain (Loss) on Sale of Investments	174	724	364	1,335	-1,471	-5,092
Other Non-Interest Income	34,608	32,478	32,244	34,348	41,344	34,948
Total Non-Interest Income	34,649	34,213	33,444	35,619	42,947	30,191
Non-Interest Income Growth (YoY)	5.07%	2.30%	-6.11%	-17.06%	42.25%	-5.23%
Revenues Before Loan Losses	69,703	67,963	65,758	69,380	77,033	65,186
Provision for Loan Losses	475	1,287	1,039	2,723	10,709	816
Revenue	69,228	66,676	64,719	66,657	66,324	64,370
Revenue Growth (YoY)	6.07%	3.02%	-2.91%	0.50%	3.04%	1.11%
Selling, General & Administrative	36,909	37,186	37,474	42,512	39,944	39,390
Other Non-Interest Expense	20,259	18,725	17,672	19,324	19,895	18,468
Total Non-Interest Expense	57,168	55,911	55,146	61,836	59,839	57,858
EBT Excluding Unusual Items	12,060	10,765	9,573	4,821	6,485	6,512
Asset Writedown	-257	-318	-589	-1,017	-1,056	-52
Other Unusual Items	-2	-1	-	-57	-	77
Pretax Income	11,801	10,446	8,984	3,747	5,429	6,537
Income Tax Expense	4,266	3,518	2,624	-1,114	1,232	2,044
Earnings From Continuing Operations	7,535	6,928	6,360	4,861	4,197	4,493
Minority Interest in Earnings	-4	-24	-28	44	-18	-342
Net Income	7,531	6,904	6,332	4,905	4,179	4,151
Preferred Dividends & Other Adjustments	-	-	127	346	343	340
Net Income to Common	7,531	6,904	6,205	4,559	3,836	3,811
Net Income Growth	19.84%	9.03%	29.09%	17.37%	0.68%	-92.06%
Basic Shares Outstanding	26	26	26	26	26	26
Diluted Shares Outstanding	26	26	34	47	47	45
Shares Change (YoY)	-0.08%	-22.54%	-27.84%	-0.59%	3.93%	3.30%
EPS (Basic)	289.46	265.48	238.42	175.02	147.39	146.42
EPS (Diluted)	289.46	265.48	188.59	105.42	89.29	92.18
EPS Growth	19.94%	40.77%	78.89%	18.07%	-3.13%	-92.31%
Dividend Per Share	44.000	80.000	72.000	72.000	72.000	72.000
Dividend Growth	-38.89%	11.11%	-	-	-	-
Effective Tax Rate	36.15%	33.68%	29.21%	-	22.69%	31.27%

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