SBI Shinsei Bank, Limited (TYO:8303)

SBI Shinsei 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	233,583	222,449	198,445	158,583	127,495	127,302
Interest Income on Investments	91,611	70,254	51,762	25,984	11,505	7,734
Total Interest Income	325,194	292,703	250,207	184,567	139,000	135,036
Interest Paid on Deposits	98,352	61,318	37,168	14,122	3,589	4,273
Interest Paid on Borrowings	69,222	73,296	56,842	31,683	9,735	8,727
Total Interest Expense	167,574	134,614	94,010	45,805	13,324	13,000
Net Interest Income	157,620	158,089	156,197	138,762	125,676	122,036
Net Interest Income Growth (YoY)	3.38%	1.21%	12.57%	10.41%	2.98%	-8.60%
Trust Income	-	-	3,761	3,399	3,385	3,622
Income From Trading Activities	13,700	8,006	12,452	3,772	6,602	3,876
Gain (Loss) on Sale of Assets	2,153	2,153	82	-160	122	78
Gain (Loss) on Sale of Investments	19,268	-	4,929	-1,179	-7,046	1,973
Other Non-Interest Income	353,941	312,973	259,422	228,704	219,205	229,506
Total Non-Interest Income	383,850	323,132	280,646	234,536	222,268	239,055
Non-Interest Income Growth (YoY)	43.50%	15.14%	19.66%	5.52%	-7.02%	-2.55%
Revenues Before Loan Losses	541,470	481,221	436,843	373,298	347,944	361,091
Provision for Loan Losses	54,201	54,201	44,447	30,596	37,271	33,467
Revenue	487,269	427,020	392,396	342,702	310,673	327,624
Revenue Growth (YoY)	30.41%	8.82%	14.50%	10.31%	-5.17%	-1.91%
Selling, General & Administrative	176,311	171,600	169,486	165,149	158,313	151,860
Other Non-Interest Expense	201,349	175,470	161,756	125,578	123,938	131,289
Total Non-Interest Expense	377,660	347,070	331,242	290,727	282,251	283,149
EBT Excluding Unusual Items	109,609	79,950	61,154	51,975	28,422	44,475
Asset Writedown	-	-	-434	-1,910	-373	-1,009
Other Unusual Items	-3,266	19,461	2,228	1,724	447	11,870
Pretax Income	106,343	99,411	62,948	51,789	28,496	55,336
Income Tax Expense	5,960	15,264	5,046	9,004	8,151	11,113
Earnings From Continuing Operations	100,383	84,147	57,902	42,785	20,345	44,223
Minority Interest in Earnings	351	352	22	-14	40	886
Net Income	100,734	84,499	57,924	42,771	20,385	45,109
Net Income to Common	100,734	84,499	57,924	42,771	20,385	45,109
Net Income Growth	126.98%	45.88%	35.43%	109.82%	-54.81%	-1.02%
Basic Shares Outstanding	887	750	0	204	211	223
Diluted Shares Outstanding	887	750	0	204	211	223
Shares Change (YoY)	1637.97%	1292668770.69%	-100.00%	-3.09%	-5.60%	-6.68%
EPS (Basic)	127.72	112.70	998689655.17	209.47	96.78	202.16
EPS (Diluted)	127.70	112.70	998689655.17	209.47	96.75	202.10
EPS Growth	-85.31%	-100.00%	476765577.12%	116.51%	-52.13%	6.06%
Dividend Per Share	-	-	40000000.000	12.000	12.000	12.000
Dividend Growth	-	-	333333233.33%	-	-	20.00%
Effective Tax Rate	-	15.35%	8.02%	17.39%	28.60%	20.08%

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