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	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	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	83,738	77,607	61,950	51,959	42,854	36,075
Interest Income on Investments	48,693	40,448	30,583	24,127	23,790	23,963
Total Interest Income	132,431	118,055	92,533	76,086	66,644	60,038
Interest Paid on Deposits	31,554	26,215	7,876	1,235	859	983
Interest Paid on Borrowings	12,596	12,596	8,306	5,282	4,119	892
Total Interest Expense	44,150	38,811	16,182	6,517	4,978	1,875
Net Interest Income	88,281	79,244	76,351	69,569	61,666	58,163
Net Interest Income Growth	14.36%	3.79%	9.75%	12.82%	6.02%	6.28%
Gain (Loss) on Sale of Assets	306	292	59	157	17	17
Gain (Loss) on Sale of Investments	-138	-138	-470	-43	-320	-121
Other Non-Interest Income	50,735	49,023	42,781	44,090	46,039	35,073
Total Non-Interest Income	50,903	49,177	42,370	44,204	45,736	34,969
Non-Interest Income Growth	21.65%	16.07%	-4.15%	-3.35%	30.79%	8.20%
Revenues Before Loan Losses	139,184	128,421	118,721	113,773	107,402	93,132
Provision for Loan Losses	6,119	6,119	11,501	6,692	1,887	1,955
Revenue	133,065	122,302	107,220	107,081	105,515	91,177
Revenue Growth	23.74%	14.07%	0.13%	1.48%	15.72%	14.16%
Selling, General & Administrative	42,770	42,263	40,928	40,573	39,576	40,065
Other Non-Interest Expense	52,728	47,414	39,519	41,626	44,200	30,302
Total Non-Interest Expense	95,498	89,677	80,447	82,199	83,776	70,367
EBT Excluding Unusual Items	37,567	32,625	26,773	24,882	21,739	20,810
Asset Writedown	-270	-277	-456	-233	-606	-525
Other Unusual Items	1	-	-	19	755	-1
Pretax Income	37,298	32,348	26,317	24,668	21,888	20,284
Income Tax Expense	11,476	9,640	7,571	7,857	6,450	5,821
Earnings From Continuing Operations	25,822	22,708	18,746	16,811	15,438	14,463
Minority Interest in Earnings	-10	-10	-9	-11	25	22
Net Income	25,812	22,698	18,737	16,800	15,463	14,485
Net Income to Common	25,812	22,698	18,737	16,800	15,463	14,485
Net Income Growth	49.26%	21.14%	11.53%	8.65%	6.75%	49.65%
Basic Shares Outstanding	151	151	152	154	156	156
Diluted Shares Outstanding	151	151	153	154	156	156
Shares Change	-0.84%	-0.76%	-0.83%	-1.36%	-0.14%	0.07%
EPS (Basic)	171.09	150.01	122.89	109.28	99.28	92.88
EPS (Diluted)	171.05	149.97	122.86	109.24	99.18	92.77
EPS Growth	50.52%	22.07%	12.47%	10.14%	6.91%	49.56%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	60.000	60.000	48.000	39.000	34.000	32.000
Dividend Growth	25.00%	25.00%	23.08%	14.71%	6.25%	77.78%
Effective Tax Rate	30.77%	29.80%	28.77%	31.85%	29.47%	28.70%