SBI Shinsei Bank, Limited (TYO:8303)

SBI Shinsei Bank Income Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	243,165	222,449	198,445	158,583	127,495
Interest Income on Investments	123,124	70,254	51,762	25,984	11,505
Total Interest Income	366,289	292,703	250,207	184,567	139,000
Interest Paid on Deposits	127,543	61,318	37,168	14,122	3,589
Interest Paid on Borrowings	83,831	73,296	56,842	31,683	9,735
Total Interest Expense	211,374	134,614	94,010	45,805	13,324
Net Interest Income	154,915	158,089	156,197	138,762	125,676
Net Interest Income Growth (YoY)	-2.01%	1.21%	12.57%	10.41%	2.98%
Trust Income	-	-	3,761	3,399	3,385
Income From Trading Activities	18,381	8,006	12,452	3,772	6,602
Gain (Loss) on Sale of Assets	-116	2,153	82	-160	122
Gain (Loss) on Sale of Investments	-	-	4,929	-1,179	-7,046
Other Non-Interest Income	389,388	312,973	259,422	228,704	219,205
Total Non-Interest Income	407,653	323,132	280,646	234,536	222,268
Non-Interest Income Growth (YoY)	26.16%	15.14%	19.66%	5.52%	-7.02%
Revenues Before Loan Losses	562,568	481,221	436,843	373,298	347,944
Provision for Loan Losses	44,053	54,201	44,447	30,596	37,271
Revenue	518,515	427,020	392,396	342,702	310,673
Revenue Growth (YoY)	21.43%	8.82%	14.50%	10.31%	-5.17%
Selling, General & Administrative	177,677	171,600	169,486	165,149	158,313
Other Non-Interest Expense	217,571	175,470	161,756	125,578	123,938
Total Non-Interest Expense	395,248	347,070	331,242	290,727	282,251
EBT Excluding Unusual Items	123,267	79,950	61,154	51,975	28,422
Asset Writedown	-	-	-434	-1,910	-373
Other Unusual Items	-1,148	19,461	2,228	1,724	447
Pretax Income	122,119	99,411	62,948	51,789	28,496
Income Tax Expense	9,144	15,264	5,046	9,004	8,151
Earnings From Continuing Operations	112,975	84,147	57,902	42,785	20,345
Minority Interest in Earnings	440	352	22	-14	40
Net Income	113,415	84,499	57,924	42,771	20,385
Net Income to Common	113,415	84,499	57,924	42,771	20,385
Net Income Growth	34.22%	45.88%	35.43%	109.82%	-54.81%
Basic Shares Outstanding	824	750	812	24	25
Diluted Shares Outstanding	825	750	812	24	25
Shares Change (YoY)	10.01%	-7.67%	3308.67%	-3.09%	-5.60%
EPS (Basic)	137.67	112.70	71.33	1795.47	829.55
EPS (Diluted)	137.51	112.70	71.33	1795.47	829.29
EPS Growth	22.01%	57.99%	-96.03%	116.51%	-52.13%
Dividend Per Share	-	-	2.857	102.857	102.857
Dividend Growth	-	-	-97.22%	-	-
Effective Tax Rate	7.49%	15.35%	8.02%	17.39%	28.60%

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