The Shiga Bank, Ltd. (TYO:8366)

The Shiga 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	60,004	49,424	44,598	38,194	33,416
Interest Income on Investments	42,349	37,209	29,579	19,844	16,312
Total Interest Income	102,353	86,633	74,177	58,038	49,728
Interest Paid on Deposits	14,231	5,700	2,046	1,196	635
Interest Paid on Borrowings	14,040	17,693	16,944	7,814	2,313
Total Interest Expense	28,271	23,393	18,990	9,010	2,948
Net Interest Income	74,082	63,240	55,187	49,028	46,780
Net Interest Income Growth (YoY)	17.14%	14.59%	12.56%	4.81%	6.92%
Trust Income	-	252	709	136	265
Gain (Loss) on Sale of Assets	-45	-147	-85	127	-82
Gain (Loss) on Sale of Investments	-	7,327	12,707	17,368	10,936
Other Non-Interest Income	56,703	36,502	33,883	38,733	34,560
Total Non-Interest Income	56,658	43,934	47,214	56,364	45,679
Non-Interest Income Growth (YoY)	28.96%	-6.95%	-16.23%	23.39%	17.28%
Revenues Before Loan Losses	130,740	107,174	102,401	105,392	92,459
Provision for Loan Losses	-	4,796	3,259	1,875	2,107
Revenue	130,740	102,378	99,142	103,517	90,352
Revenue Growth (YoY)	27.70%	3.26%	-4.23%	14.57%	21.15%
Selling, General & Administrative	49,392	44,690	51,047	44,420	46,382
Other Non-Interest Expense	52,364	38,886	24,214	38,930	20,054
Total Non-Interest Expense	101,756	83,576	75,261	83,350	66,436
EBT Excluding Unusual Items	28,984	18,802	23,881	20,167	23,916
Asset Writedown	-14	-1,167	-146	-	-509
Other Unusual Items	-	7,999	-1	-	-
Pretax Income	28,970	25,634	23,734	20,167	23,407
Income Tax Expense	7,677	6,914	7,794	5,309	5,692
Earnings From Continuing Operations	21,293	18,720	15,940	14,858	17,715
Net Income	21,293	18,720	15,940	14,858	17,715
Net Income to Common	21,293	18,720	15,940	14,858	17,715
Net Income Growth	13.74%	17.44%	7.28%	-16.13%	54.74%
Basic Shares Outstanding	231	234	237	239	246
Diluted Shares Outstanding	231	234	237	239	247
Shares Change (YoY)	-1.46%	-1.19%	-0.95%	-2.97%	-5.04%
EPS (Basic)	92.27	79.94	67.26	62.11	71.90
EPS (Diluted)	92.27	79.94	67.26	62.10	71.84
EPS Growth	15.43%	18.85%	8.31%	-13.56%	62.95%
Dividend Per Share	-	18.000	16.000	16.000	7.000
Dividend Growth	-	12.50%	-	128.57%	-
Effective Tax Rate	26.50%	26.97%	32.84%	26.32%	24.32%

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