The Shiga Bank, Ltd. (TYO:8366)

The Shiga Bank 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	47,889	44,598	38,194	33,416	34,571	36,959
Interest Income on Investments	34,909	29,579	19,844	16,312	12,465	13,388
Total Interest Income	82,798	74,177	58,038	49,728	47,036	50,347
Interest Paid on Deposits	4,216	2,046	1,196	635	920	2,136
Interest Paid on Borrowings	16,944	16,944	7,814	2,313	2,364	5,380
Total Interest Expense	21,160	18,990	9,010	2,948	3,284	7,516
Net Interest Income	61,638	55,187	49,028	46,780	43,752	42,831
Net Interest Income Growth (YoY)	18.43%	12.56%	4.81%	6.92%	2.15%	-3.36%
Trust Income	-	709	136	265	230	215
Gain (Loss) on Sale of Assets	-138	-85	127	-82	2,298	4,863
Gain (Loss) on Sale of Investments	-	12,707	17,368	10,936	3,144	1,140
Other Non-Interest Income	40,092	33,883	38,733	34,560	33,276	35,928
Total Non-Interest Income	39,954	47,214	56,364	45,679	38,948	42,146
Non-Interest Income Growth (YoY)	-16.76%	-16.23%	23.39%	17.28%	-7.59%	-6.86%
Revenues Before Loan Losses	101,592	102,401	105,392	92,459	82,700	84,977
Provision for Loan Losses	2,470	3,259	1,875	2,107	8,119	3,224
Revenue	99,122	99,142	103,517	90,352	74,581	81,753
Revenue Growth (YoY)	1.87%	-4.23%	14.57%	21.15%	-8.77%	-4.19%
Selling, General & Administrative	51,736	51,047	44,420	46,382	41,670	41,449
Other Non-Interest Expense	25,973	24,214	38,930	20,054	19,543	21,567
Total Non-Interest Expense	77,709	75,261	83,350	66,436	61,213	63,016
EBT Excluding Unusual Items	21,413	23,881	20,167	23,916	13,368	18,737
Asset Writedown	-1,203	-146	-	-509	-316	-949
Other Unusual Items	-	-1	-	-	-1	-
Pretax Income	20,210	23,734	20,167	23,407	13,051	17,788
Income Tax Expense	6,181	7,794	5,309	5,692	1,603	5,376
Earnings From Continuing Operations	14,029	15,940	14,858	17,715	11,448	12,412
Net Income	14,029	15,940	14,858	17,715	11,448	12,412
Net Income to Common	14,029	15,940	14,858	17,715	11,448	12,412
Net Income Growth	-21.00%	7.28%	-16.13%	54.74%	-7.77%	-15.46%
Basic Shares Outstanding	47	47	48	49	50	51
Diluted Shares Outstanding	47	47	48	49	52	58
Shares Change (YoY)	-1.04%	-0.95%	-2.97%	-5.04%	-10.37%	-1.55%
EPS (Basic)	298.58	336.31	310.57	359.49	228.13	243.05
EPS (Diluted)	298.58	336.31	310.49	359.20	220.43	214.19
EPS Growth	-20.17%	8.32%	-13.56%	62.95%	2.91%	-14.12%
Dividend Per Share	85.000	80.000	80.000	35.000	35.000	35.000
Dividend Growth	6.25%	0%	128.57%	0%	0%	0%
Effective Tax Rate	30.58%	32.84%	26.33%	24.32%	12.28%	30.22%

Source: S&P Capital IQ. Banks template. Financial Sources.