The Shiga Bank, Ltd. (TYO:8366)

The Shiga Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	49,422	44,598	38,194	33,416	34,571
Interest Income on Investments	37,209	29,579	19,844	16,312	12,465
Total Interest Income	86,631	74,177	58,038	49,728	47,036
Interest Paid on Deposits	5,698	2,046	1,196	635	920
Interest Paid on Borrowings	17,693	16,944	7,814	2,313	2,364
Total Interest Expense	23,391	18,990	9,010	2,948	3,284
Net Interest Income	63,240	55,187	49,028	46,780	43,752
Net Interest Income Growth (YoY)	14.59%	12.56%	4.81%	6.92%	2.15%
Trust Income	-	709	136	265	230
Gain (Loss) on Sale of Assets	-149	-85	127	-82	2,298
Gain (Loss) on Sale of Investments	-	12,707	17,368	10,936	3,144
Other Non-Interest Income	46,473	33,883	38,733	34,560	33,276
Total Non-Interest Income	46,324	47,214	56,364	45,679	38,948
Non-Interest Income Growth (YoY)	-1.88%	-16.23%	23.39%	17.28%	-7.59%
Revenues Before Loan Losses	109,564	102,401	105,392	92,459	82,700
Provision for Loan Losses	3,655	3,259	1,875	2,107	8,119
Revenue	105,909	99,142	103,517	90,352	74,581
Revenue Growth (YoY)	6.83%	-4.23%	14.57%	21.15%	-8.77%
Selling, General & Administrative	44,690	51,047	44,420	46,382	41,670
Other Non-Interest Expense	42,419	24,214	38,930	20,054	19,543
Total Non-Interest Expense	79,109	75,261	83,350	66,436	61,213
EBT Excluding Unusual Items	26,800	23,881	20,167	23,916	13,368
Asset Writedown	-1,167	-146	-	-509	-316
Other Unusual Items	-	-1	-	-	-1
Pretax Income	25,633	23,734	20,167	23,407	13,051
Income Tax Expense	6,913	7,794	5,309	5,692	1,603
Earnings From Continuing Operations	18,720	15,940	14,858	17,715	11,448
Net Income	18,720	15,940	14,858	17,715	11,448
Net Income to Common	18,720	15,940	14,858	17,715	11,448
Net Income Growth	17.44%	7.28%	-16.13%	54.74%	-7.77%
Basic Shares Outstanding	47	47	48	49	50
Diluted Shares Outstanding	47	47	48	49	52
Shares Change (YoY)	-1.19%	-0.95%	-2.97%	-5.04%	-10.38%
EPS (Basic)	399.71	336.31	310.57	359.49	228.13
EPS (Diluted)	399.71	336.31	310.49	359.20	220.43
EPS Growth	18.85%	8.31%	-13.56%	62.95%	2.91%
Dividend Per Share	90.000	80.000	80.000	35.000	35.000
Dividend Growth	12.50%	-	128.57%	-	-
Effective Tax Rate	26.97%	32.84%	26.32%	24.32%	12.28%

Updated Jan 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.