The San-in Godo Bank,Ltd. Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	77,607	61,950	51,959	42,854	36,075
Interest Income on Investments	40,448	30,583	24,127	23,790	23,963
Total Interest Income	118,055	92,533	76,086	66,644	60,038
Interest Paid on Deposits	26,215	7,876	1,235	859	983
Interest Paid on Borrowings	12,596	8,306	5,282	4,119	892
Total Interest Expense	38,811	16,182	6,517	4,978	1,875
Net Interest Income	79,244	76,351	69,569	61,666	58,163
Net Interest Income Growth (YoY)	3.79%	9.75%	12.82%	6.02%	6.28%
Gain (Loss) on Sale of Assets	292	59	157	17	17
Gain (Loss) on Sale of Investments	-	-470	-43	-320	-121
Other Non-Interest Income	49,023	42,781	44,090	46,039	35,073
Total Non-Interest Income	49,315	42,370	44,204	45,736	34,969
Non-Interest Income Growth (YoY)	16.39%	-4.15%	-3.35%	30.79%	8.20%
Revenues Before Loan Losses	128,559	118,721	113,773	107,402	93,132
Provision for Loan Losses	6,100	11,501	6,692	1,887	1,955
Revenue	122,459	107,220	107,081	105,515	91,177
Revenue Growth (YoY)	14.21%	0.13%	1.48%	15.72%	14.16%
Selling, General & Administrative	42,263	40,928	40,573	39,576	40,065
Other Non-Interest Expense	47,571	39,519	41,626	44,200	30,302
Total Non-Interest Expense	89,834	80,447	82,199	83,776	70,367
EBT Excluding Unusual Items	32,625	26,773	24,882	21,739	20,810
Asset Writedown	-277	-456	-233	-606	-525
Other Unusual Items	-	-	19	755	-1
Pretax Income	32,348	26,317	24,668	21,888	20,284
Income Tax Expense	9,640	7,571	7,857	6,450	5,821
Earnings From Continuing Operations	22,708	18,746	16,811	15,438	14,463
Minority Interest in Earnings	-10	-9	-11	25	22
Net Income	22,698	18,737	16,800	15,463	14,485
Net Income to Common	22,698	18,737	16,800	15,463	14,485
Net Income Growth	21.14%	11.53%	8.65%	6.75%	49.65%
Basic Shares Outstanding	151	152	154	156	156
Diluted Shares Outstanding	151	153	154	156	156
Shares Change (YoY)	-0.76%	-0.83%	-1.36%	-0.14%	0.07%
EPS (Basic)	150.01	122.89	109.28	99.28	92.88
EPS (Diluted)	149.97	122.86	109.24	99.18	92.77
EPS Growth	22.07%	12.47%	10.14%	6.91%	49.56%
Dividend Per Share	-	48.000	39.000	34.000	32.000
Dividend Growth	-	23.08%	14.71%	6.25%	77.78%
Effective Tax Rate	29.80%	28.77%	31.85%	29.47%	28.70%

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