Seven Bank, Ltd. (TYO:8410)

Seven Bank 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	9,225	7,503	4,710	3,896	3,478	3,453
Interest Income on Investments	1,169	655	222	136	131	116
Total Interest Income	10,394	8,158	4,932	4,032	3,609	3,569
Interest Paid on Deposits	325	32	34	46	67	101
Interest Paid on Borrowings	1,493	1,142	781	556	472	573
Total Interest Expense	1,818	1,174	815	602	539	674
Net Interest Income	8,576	6,984	4,117	3,430	3,070	2,895
Net Interest Income Growth (YoY)	40.52%	69.64%	20.03%	11.73%	6.04%	1.83%
Gain (Loss) on Sale of Assets	-1,425	-549	-246	-754	15	-56
Gain (Loss) on Sale of Investments	-1,231	-1,307	1,105	-	-	-
Other Non-Interest Income	202,110	189,663	148,947	132,635	133,658	144,984
Total Non-Interest Income	199,454	187,807	149,806	131,881	133,673	144,928
Non-Interest Income Growth (YoY)	12.07%	25.37%	13.59%	-1.34%	-7.77%	0.91%
Revenues Before Loan Losses	208,030	194,791	153,923	135,311	136,743	147,823
Provision for Loan Losses	2,179	2,179	1,017	415	63	2
Revenue	205,851	192,612	152,906	134,896	136,680	147,821
Revenue Growth (YoY)	13.03%	25.97%	13.35%	-1.31%	-7.54%	0.93%
Selling, General & Administrative	118,343	108,084	80,195	70,245	64,308	62,813
Other Non-Interest Expense	58,175	54,552	44,033	37,150	36,717	45,228
Total Non-Interest Expense	176,518	162,636	124,228	107,395	101,025	108,041
EBT Excluding Unusual Items	29,333	29,976	28,678	27,501	35,655	39,780
Asset Writedown	-691	-351	-1,254	-763	-	-
Other Unusual Items	-5,241	15,504	-1	416	-	-
Pretax Income	23,401	45,129	27,423	27,154	35,655	39,780
Income Tax Expense	13,007	13,170	8,863	6,471	9,918	13,675
Earnings From Continuing Operations	10,394	31,959	18,560	20,683	25,737	26,105
Minority Interest in Earnings	-32	11	294	144	168	57
Net Income	10,362	31,970	18,854	20,827	25,905	26,162
Net Income to Common	10,362	31,970	18,854	20,827	25,905	26,162
Net Income Growth	-74.17%	69.57%	-9.47%	-19.60%	-0.98%	97.66%
Basic Shares Outstanding	1,170	1,173	1,176	1,176	1,177	1,182
Diluted Shares Outstanding	1,170	1,173	1,176	1,176	1,177	1,183
Shares Change (YoY)	-0.38%	-0.27%	0.03%	-0.12%	-0.49%	-0.85%
EPS (Basic)	8.86	27.26	16.03	17.72	22.01	22.14
EPS (Diluted)	8.86	27.26	16.03	17.72	22.00	22.11
EPS Growth	-74.07%	70.02%	-9.50%	-19.47%	-0.50%	99.37%
Dividend Per Share	11.000	11.000	11.000	11.000	11.000	11.000
Dividend Growth	-33.33%	-	-	-	-	-
Effective Tax Rate	-	29.18%	32.32%	23.83%	27.82%	34.38%

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