The San-in Godo Bank,Ltd. (TYO:8381)

The San-in Godo Bank,Ltd. Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	71,075	61,950	51,959	42,854	36,075	34,858
Interest Income on Investments	33,944	30,583	24,127	23,790	23,963	21,865
Total Interest Income	105,019	92,533	76,086	66,644	60,038	56,723
Interest Paid on Deposits	19,800	7,876	1,235	859	983	1,225
Interest Paid on Borrowings	8,306	8,306	5,282	4,119	892	774
Total Interest Expense	28,106	16,182	6,517	4,978	1,875	1,999
Net Interest Income	76,913	76,351	69,569	61,666	58,163	54,724
Net Interest Income Growth (YoY)	2.43%	9.75%	12.82%	6.02%	6.28%	1.44%
Gain (Loss) on Sale of Assets	261	59	157	17	17	-24
Gain (Loss) on Sale of Investments	-315	-470	-43	-320	-121	-112
Other Non-Interest Income	42,873	42,781	44,090	46,039	35,073	32,455
Total Non-Interest Income	42,819	42,370	44,204	45,736	34,969	32,319
Non-Interest Income Growth (YoY)	1.40%	-4.15%	-3.35%	30.79%	8.20%	3.87%
Revenues Before Loan Losses	119,732	118,721	113,773	107,402	93,132	87,043
Provision for Loan Losses	8,006	11,501	6,692	1,887	1,955	7,178
Revenue	111,726	107,220	107,081	105,515	91,177	79,865
Revenue Growth (YoY)	4.82%	0.13%	1.48%	15.72%	14.16%	-0.32%
Selling, General & Administrative	41,360	40,928	40,573	39,576	40,065	40,262
Other Non-Interest Expense	40,423	39,519	41,626	44,200	30,302	25,187
Total Non-Interest Expense	81,783	80,447	82,199	83,776	70,367	65,449
EBT Excluding Unusual Items	29,943	26,773	24,882	21,739	20,810	14,416
Asset Writedown	-507	-456	-233	-606	-525	-249
Other Unusual Items	-	-	19	755	-1	1
Pretax Income	29,436	26,317	24,668	21,888	20,284	14,168
Income Tax Expense	8,330	7,571	7,857	6,450	5,821	4,500
Earnings From Continuing Operations	21,106	18,746	16,811	15,438	14,463	9,668
Minority Interest in Earnings	-18	-9	-11	25	22	11
Net Income	21,088	18,737	16,800	15,463	14,485	9,679
Net Income to Common	21,088	18,737	16,800	15,463	14,485	9,679
Net Income Growth	13.81%	11.53%	8.65%	6.75%	49.65%	-7.53%
Basic Shares Outstanding	152	152	154	156	156	156
Diluted Shares Outstanding	152	153	154	156	156	156
Shares Change (YoY)	-0.82%	-0.83%	-1.36%	-0.14%	0.07%	-0.26%
EPS (Basic)	138.84	122.89	109.28	99.28	92.88	62.14
EPS (Diluted)	138.80	122.86	109.24	99.18	92.77	62.03
EPS Growth	14.76%	12.47%	10.14%	6.91%	49.56%	-7.29%
Dividend Per Share	52.000	48.000	39.000	34.000	32.000	18.000
Dividend Growth	15.56%	23.08%	14.71%	6.25%	77.78%	-10.00%
Effective Tax Rate	28.30%	28.77%	31.85%	29.47%	28.70%	31.76%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.