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 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	58,864	51,959	42,854	36,075	34,858	33,400
Interest Income on Investments	25,744	24,127	23,790	23,963	21,865	24,557
Total Interest Income	84,608	76,086	66,644	60,038	56,723	57,957
Interest Paid on Deposits	4,099	1,235	859	983	1,225	1,437
Interest Paid on Borrowings	5,282	5,282	4,119	892	774	2,573
Total Interest Expense	9,381	6,517	4,978	1,875	1,999	4,010
Net Interest Income	75,227	69,569	61,666	58,163	54,724	53,947
Net Interest Income Growth (YoY)	13.56%	12.82%	6.02%	6.28%	1.44%	1.82%
Gain (Loss) on Sale of Assets	240	157	17	17	-24	-156
Gain (Loss) on Sale of Investments	-	-43	-320	-121	-112	-1,124
Other Non-Interest Income	41,886	44,090	46,039	35,073	32,455	32,395
Total Non-Interest Income	42,126	44,204	45,736	34,969	32,319	31,115
Non-Interest Income Growth (YoY)	-11.19%	-3.35%	30.79%	8.20%	3.87%	-11.13%
Revenues Before Loan Losses	117,353	113,773	107,402	93,132	87,043	85,062
Provision for Loan Losses	5,337	6,692	1,887	1,955	7,178	4,944
Revenue	112,016	107,081	105,515	91,177	79,865	80,118
Revenue Growth (YoY)	5.98%	1.48%	15.73%	14.16%	-0.32%	-5.00%
Selling, General & Administrative	40,893	40,573	39,576	40,065	40,262	41,057
Other Non-Interest Expense	42,324	41,626	44,200	30,302	25,187	22,962
Total Non-Interest Expense	83,217	82,199	83,776	70,367	65,449	64,019
EBT Excluding Unusual Items	28,799	24,882	21,739	20,810	14,416	16,099
Asset Writedown	-471	-233	-606	-525	-249	-812
Other Unusual Items	19	19	755	-1	1	-
Pretax Income	28,347	24,668	21,888	20,284	14,168	15,287
Income Tax Expense	8,821	7,857	6,450	5,821	4,500	4,791
Earnings From Continuing Operations	19,526	16,811	15,438	14,463	9,668	10,496
Minority Interest in Earnings	1	-11	25	22	11	-29
Net Income	19,527	16,800	15,463	14,485	9,679	10,467
Net Income to Common	19,527	16,800	15,463	14,485	9,679	10,467
Net Income Growth	58.20%	8.65%	6.75%	49.65%	-7.53%	-20.73%
Basic Shares Outstanding	152	154	156	156	156	156
Diluted Shares Outstanding	152	154	156	156	156	156
Shares Change (YoY)	-1.79%	-1.36%	-0.14%	0.06%	-0.26%	-0.07%
EPS (Basic)	128.39	109.28	99.28	92.88	62.14	67.08
EPS (Diluted)	128.36	109.24	99.18	92.77	62.03	66.91
EPS Growth	61.09%	10.14%	6.91%	49.56%	-7.29%	-20.68%
Dividend Per Share	45.000	39.000	34.000	32.000	18.000	20.000
Dividend Growth	28.57%	14.71%	6.25%	77.78%	-10.00%	-23.08%
Effective Tax Rate	31.12%	31.85%	29.47%	28.70%	31.76%	31.34%

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