Seven Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	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	12,640	9,750	7,503	4,710	3,896
Interest Income on Investments	3,226	1,339	655	222	136
Total Interest Income	15,866	11,089	8,158	4,932	4,032
Interest Paid on Deposits	1,835	520	32	34	46
Interest Paid on Borrowings	1,509	1,578	1,142	781	556
Total Interest Expense	3,344	2,098	1,174	815	602
Net Interest Income	12,522	8,991	6,984	4,117	3,430
Net Interest Income Growth (YoY)	39.27%	28.74%	69.64%	20.03%	11.73%
Gain (Loss) on Sale of Assets	-243	-742	-549	-246	-754
Gain (Loss) on Sale of Investments	-	2,272	-1,307	1,105	-
Other Non-Interest Income	204,159	201,014	189,663	148,947	132,635
Total Non-Interest Income	203,916	202,544	187,807	149,806	131,881
Non-Interest Income Growth (YoY)	0.68%	7.85%	25.37%	13.59%	-1.34%
Revenues Before Loan Losses	216,438	211,535	194,791	153,923	135,311
Provision for Loan Losses	4,316	2,887	2,179	1,017	415
Revenue	212,122	208,648	192,612	152,906	134,896
Revenue Growth (YoY)	1.67%	8.33%	25.97%	13.35%	-1.31%
Selling, General & Administrative	125,644	122,166	108,084	80,195	70,245
Other Non-Interest Expense	56,558	56,936	54,552	44,033	37,150
Total Non-Interest Expense	182,202	179,102	162,636	124,228	107,395
EBT Excluding Unusual Items	29,920	29,546	29,976	28,678	27,501
Asset Writedown	-8,456	-2,025	-351	-1,254	-763
Other Unusual Items	-	1,314	15,504	-1	416
Pretax Income	21,464	28,835	45,129	27,423	27,154
Income Tax Expense	7,926	10,567	13,170	8,863	6,471
Earnings From Continuing Operations	13,538	18,268	31,959	18,560	20,683
Minority Interest in Earnings	-62	-47	11	294	144
Net Income	13,476	18,221	31,970	18,854	20,827
Net Income to Common	13,476	18,221	31,970	18,854	20,827
Net Income Growth	-26.04%	-43.01%	69.57%	-9.47%	-19.60%
Basic Shares Outstanding	1,110	1,170	1,173	1,176	1,176
Diluted Shares Outstanding	1,110	1,170	1,173	1,176	1,176
Shares Change (YoY)	-5.16%	-0.25%	-0.27%	0.03%	-0.12%
EPS (Basic)	12.15	15.57	27.26	16.03	17.72
EPS (Diluted)	12.15	15.57	27.26	16.03	17.72
EPS Growth	-22.01%	-42.86%	70.02%	-9.50%	-19.47%
Dividend Per Share	-	11.000	11.000	11.000	11.000
Effective Tax Rate	36.93%	36.65%	29.18%	32.32%	23.83%

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