The Bank of Saga Ltd. (TYO:8395)

The Bank of Saga Income Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	28,182	22,063	20,198	19,224	18,675
Interest Income on Investments	9,426	9,996	8,689	7,893	5,827
Total Interest Income	37,608	32,059	28,887	27,117	24,502
Interest Paid on Deposits	5,929	1,637	124	582	291
Interest Paid on Borrowings	1,619	2,124	3,151	1,886	101
Total Interest Expense	7,548	3,761	3,275	2,468	392
Net Interest Income	30,060	28,298	25,612	24,649	24,110
Net Interest Income Growth (YoY)	6.23%	10.49%	3.91%	2.24%	4.46%
Gain (Loss) on Sale of Assets	-188	-190	126	-7	-72
Gain (Loss) on Sale of Investments	13,959	3,632	2,719	1,783	1,700
Other Non-Interest Income	19,833	19,411	19,414	17,770	17,619
Total Non-Interest Income	33,604	22,853	22,259	19,546	19,247
Non-Interest Income Growth (YoY)	47.04%	2.67%	13.88%	1.55%	7.13%
Revenues Before Loan Losses	63,664	51,151	47,871	44,195	43,357
Provision for Loan Losses	1,999	319	-	874	3,330
Revenue	61,665	50,832	47,871	43,321	40,027
Revenue Growth (YoY)	21.31%	6.19%	10.50%	8.23%	3.62%
Selling, General & Administrative	21,223	20,120	20,394	19,903	20,460
Other Non-Interest Expense	28,324	19,902	19,781	16,160	12,664
Total Non-Interest Expense	49,547	40,022	40,175	36,063	33,124
EBT Excluding Unusual Items	12,118	10,810	7,696	7,258	6,903
Asset Writedown	-53	-349	-6	-129	-228
Other Unusual Items	-2	-	-	440	-1
Pretax Income	12,063	10,461	7,690	7,569	6,674
Income Tax Expense	3,478	2,965	1,472	2,078	2,598
Earnings From Continuing Operations	8,585	7,496	6,218	5,491	4,076
Net Income	8,585	7,496	6,218	5,491	4,076
Net Income to Common	8,585	7,496	6,218	5,491	4,076
Net Income Growth	14.53%	20.55%	13.24%	34.72%	65.35%
Basic Shares Outstanding	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17
Shares Change (YoY)	0.11%	0.12%	0.13%	0.17%	0.18%
EPS (Basic)	508.00	444.34	370.05	327.04	242.97
EPS (Diluted)	504.83	441.27	366.50	324.04	240.93
EPS Growth	14.40%	20.40%	13.10%	34.49%	65.05%
Dividend Per Share	-	90.000	80.000	70.000	70.000
Dividend Growth	-	12.50%	14.29%	-	-
Effective Tax Rate	28.83%	28.34%	19.14%	27.45%	38.93%

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

May 29, 2026

Data Sources Report a data error