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 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	25,256	22,063	20,198	19,224	18,675	18,658
Interest Income on Investments	9,723	9,996	8,689	7,893	5,827	4,863
Total Interest Income	34,979	32,059	28,887	27,117	24,502	23,521
Interest Paid on Deposits	3,489	1,637	124	582	291	313
Interest Paid on Borrowings	2,124	2,124	3,151	1,886	101	127
Total Interest Expense	5,613	3,761	3,275	2,468	392	440
Net Interest Income	29,366	28,298	25,612	24,649	24,110	23,081
Net Interest Income Growth (YoY)	6.96%	10.49%	3.91%	2.24%	4.46%	-0.15%
Gain (Loss) on Sale of Assets	-201	-190	126	-7	-72	410
Gain (Loss) on Sale of Investments	1,901	3,632	2,719	1,783	1,700	718
Other Non-Interest Income	18,809	19,411	19,414	17,770	17,619	16,838
Total Non-Interest Income	20,509	22,853	22,259	19,546	19,247	17,966
Non-Interest Income Growth (YoY)	-9.18%	2.67%	13.88%	1.55%	7.13%	0.68%
Revenues Before Loan Losses	49,875	51,151	47,871	44,195	43,357	41,047
Provision for Loan Losses	1,370	319	-	874	3,330	2,418
Revenue	48,505	50,832	47,871	43,321	40,027	38,629
Revenue Growth (YoY)	-4.33%	6.19%	10.50%	8.23%	3.62%	-1.87%
Selling, General & Administrative	20,313	20,120	20,394	19,903	20,460	22,266
Other Non-Interest Expense	16,472	19,902	19,781	16,160	12,664	11,740
Total Non-Interest Expense	36,785	40,022	40,175	36,063	33,124	34,006
EBT Excluding Unusual Items	11,720	10,810	7,696	7,258	6,903	4,623
Asset Writedown	-402	-349	-6	-129	-228	-728
Other Unusual Items	-	-	-	440	-1	-3
Pretax Income	11,318	10,461	7,690	7,569	6,674	3,892
Income Tax Expense	3,113	2,965	1,472	2,078	2,598	1,427
Earnings From Continuing Operations	8,205	7,496	6,218	5,491	4,076	2,465
Net Income	8,205	7,496	6,218	5,491	4,076	2,465
Net Income to Common	8,205	7,496	6,218	5,491	4,076	2,465
Net Income Growth	20.89%	20.55%	13.24%	34.72%	65.35%	0.98%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change (YoY)	0.11%	0.12%	0.13%	0.17%	0.18%	0.21%
EPS (Basic)	485.69	444.34	370.05	327.04	242.97	146.97
EPS (Diluted)	482.76	441.27	366.50	324.04	240.93	145.97
EPS Growth	20.78%	20.40%	13.10%	34.49%	65.05%	0.74%
Dividend Per Share	100.000	90.000	80.000	70.000	70.000	70.000
Dividend Growth	17.65%	12.50%	14.29%	-	-	-
Effective Tax Rate	27.51%	28.34%	19.14%	27.45%	38.93%	36.66%

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