The Bank of Saga Ltd. (TYO:8395)

The Bank of Saga 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	21,373	20,198	19,224	18,675	18,658	18,339
Interest Income on Investments	9,991	8,689	7,893	5,827	4,863	5,203
Total Interest Income	31,364	28,887	27,117	24,502	23,521	23,542
Interest Paid on Deposits	249	124	582	291	313	323
Interest Paid on Borrowings	3,151	3,151	1,886	101	127	104
Total Interest Expense	3,400	3,275	2,468	392	440	427
Net Interest Income	27,964	25,612	24,649	24,110	23,081	23,115
Net Interest Income Growth (YoY)	11.63%	3.91%	2.24%	4.46%	-0.15%	-2.37%
Gain (Loss) on Sale of Assets	-140	126	-7	-72	410	-14
Gain (Loss) on Sale of Investments	995	2,719	1,783	1,700	718	261
Other Non-Interest Income	23,198	19,414	17,770	17,619	16,838	17,597
Total Non-Interest Income	24,053	22,259	19,546	19,247	17,966	17,844
Non-Interest Income Growth (YoY)	15.32%	13.88%	1.55%	7.13%	0.68%	-22.76%
Revenues Before Loan Losses	52,017	47,871	44,195	43,357	41,047	40,959
Provision for Loan Losses	-746	-	874	3,330	2,418	1,594
Revenue	52,763	47,871	43,321	40,027	38,629	39,365
Revenue Growth (YoY)	18.48%	10.50%	8.23%	3.62%	-1.87%	-7.05%
Selling, General & Administrative	20,036	20,394	19,903	20,460	22,266	22,704
Other Non-Interest Expense	21,647	19,781	16,160	12,664	11,740	12,073
Total Non-Interest Expense	41,683	40,175	36,063	33,124	34,006	34,777
EBT Excluding Unusual Items	11,080	7,696	7,258	6,903	4,623	4,588
Asset Writedown	-6	-6	-129	-228	-728	-492
Other Unusual Items	-	-	440	-1	-3	-6
Pretax Income	11,074	7,690	7,569	6,674	3,892	4,090
Income Tax Expense	3,311	1,472	2,078	2,598	1,427	1,649
Earnings From Continuing Operations	7,763	6,218	5,491	4,076	2,465	2,441
Net Income	7,763	6,218	5,491	4,076	2,465	2,441
Net Income to Common	7,763	6,218	5,491	4,076	2,465	2,441
Net Income Growth	95.15%	13.24%	34.72%	65.35%	0.98%	-7.40%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change (YoY)	0.29%	0.13%	0.17%	0.18%	0.21%	0.17%
EPS (Basic)	460.73	370.05	327.04	242.97	146.97	145.77
EPS (Diluted)	456.73	366.50	324.04	240.93	145.97	144.89
EPS Growth	94.56%	13.10%	34.49%	65.05%	0.74%	-7.54%
Dividend Per Share	85.000	80.000	70.000	70.000	70.000	70.000
Dividend Growth	-19.05%	14.29%	-	-	-	-
Effective Tax Rate	29.90%	19.14%	27.45%	38.93%	36.66%	40.32%

Updated Feb 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.