SBI Shinsei Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	285,333	244,337	222,449	198,445	158,583	127,495
Interest Income on Investments	160,149	121,952	70,254	51,762	25,984	11,505
Total Interest Income	445,482	366,289	292,703	250,207	184,567	139,000
Interest Paid on Deposits	164,833	127,543	61,318	37,168	14,122	3,589
Interest Paid on Borrowings	87,960	83,831	73,296	56,842	31,683	9,735
Total Interest Expense	252,793	211,374	134,614	94,010	45,805	13,324
Net Interest Income	192,689	154,915	158,089	156,197	138,762	125,676
Net Interest Income Growth	-	-2.01%	1.21%	12.57%	10.41%	2.98%
Trust Income	7,968	7,968	-	3,761	3,399	3,385
Income From Trading Activities	14,738	18,381	8,006	12,452	3,772	6,602
Gain (Loss) on Sale of Assets	-116	-116	2,153	82	-160	122
Gain (Loss) on Sale of Investments	25,889	25,889	-	4,929	-1,179	-7,046
Other Non-Interest Income	367,841	355,531	312,973	259,422	228,704	219,205
Total Non-Interest Income	416,320	407,653	323,132	280,646	234,536	222,268
Non-Interest Income Growth	-	26.16%	15.14%	19.66%	5.52%	-7.02%
Revenues Before Loan Losses	609,009	562,568	481,221	436,843	373,298	347,944
Provision for Loan Losses	44,053	44,053	54,201	44,447	30,596	37,271
Revenue	564,956	518,515	427,020	392,396	342,702	310,673
Revenue Growth	-	21.43%	8.82%	14.50%	10.31%	-5.17%
Selling, General & Administrative	184,044	177,677	171,600	169,486	165,149	158,313
Other Non-Interest Expense	227,903	217,571	175,470	161,756	125,578	123,938
Total Non-Interest Expense	411,947	395,248	347,070	331,242	290,727	282,251
EBT Excluding Unusual Items	153,009	123,267	79,950	61,154	51,975	28,422
Asset Writedown	-1,705	-1,705	-	-434	-1,910	-373
Other Unusual Items	2,066	557	19,461	2,228	1,724	447
Pretax Income	153,370	122,119	99,411	62,948	51,789	28,496
Income Tax Expense	40,505	9,144	15,264	5,046	9,004	8,151
Earnings From Continuing Operations	112,865	112,975	84,147	57,902	42,785	20,345
Minority Interest in Earnings	280	440	352	22	-14	40
Net Income	113,145	113,415	84,499	57,924	42,771	20,385
Net Income to Common	113,145	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	868	824	750	812	858	885
Diluted Shares Outstanding	870	825	750	812	858	885
Shares Change	-	10.00%	-7.67%	-5.32%	-3.09%	-5.60%
EPS (Basic)	130.30	137.67	112.70	71.33	49.87	23.04
EPS (Diluted)	130.03	137.51	112.70	71.33	49.87	23.04
EPS Growth	-	22.01%	57.99%	43.03%	116.51%	-52.13%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Dividend Per Share	42.000	42.000	-	2.857	2.857	2.857
Dividend Growth	-	-	-	0%	0%	0%
Effective Tax Rate	26.41%	7.49%	15.35%	8.02%	17.39%	28.60%