SBI Sumishin Net Bank, Ltd. (TYO:7163)

SBI Sumishin Net Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	54,178	41,698	37,536	34,480	33,636
Interest Income on Investments	18,827	12,616	9,945	7,921	7,760
Total Interest Income	73,005	54,314	47,481	42,401	41,396
Interest Paid on Deposits	21,237	11,121	5,443	2,983	3,478
Interest Paid on Borrowings	-389	-260	1,263	2,821	2,785
Total Interest Expense	20,848	10,861	6,706	5,804	6,263
Net Interest Income	52,157	43,453	40,775	36,597	35,133
Net Interest Income Growth (YoY)	20.03%	6.57%	11.42%	4.17%	4.53%
Gain (Loss) on Sale of Assets	-14	-2	-2	-2	-1
Gain (Loss) on Sale of Investments	-	-	-171	-	-
Other Non-Interest Income	73,516	64,258	50,484	41,126	37,358
Total Non-Interest Income	73,502	64,256	50,311	41,124	37,357
Non-Interest Income Growth (YoY)	14.39%	27.72%	22.34%	10.08%	5.38%
Revenues Before Loan Losses	125,659	107,709	91,086	77,721	72,490
Provision for Loan Losses	697	435	901	301	490
Revenue	124,962	107,274	90,185	77,420	72,000
Revenue Growth (YoY)	16.49%	18.95%	16.49%	7.53%	5.08%
Selling, General & Administrative	40,677	37,434	32,533	33,351	27,288
Other Non-Interest Expense	46,110	34,998	28,265	20,807	23,986
Total Non-Interest Expense	86,787	72,432	60,798	54,158	51,274
EBT Excluding Unusual Items	38,175	34,842	29,387	23,262	20,726
Asset Writedown	-60	-598	-242	-	-
Other Unusual Items	3,659	1,358	-115	-386	-664
Pretax Income	41,774	35,602	29,030	22,876	20,062
Income Tax Expense	13,647	10,752	9,086	5,761	6,144
Earnings From Continuing Operations	28,127	24,850	19,944	17,115	13,918
Minority Interest in Earnings	-	-5	-12	-2	10
Net Income	28,127	24,845	19,932	17,113	13,928
Net Income to Common	28,127	24,845	19,932	17,113	13,928
Net Income Growth	13.21%	24.65%	16.47%	22.87%	10.80%
Basic Shares Outstanding	151	151	151	151	151
Diluted Shares Outstanding	151	151	151	151	151
Shares Change (YoY)	-	-0.01%	-	-	-
EPS (Basic)	186.55	164.78	132.18	113.49	92.37
EPS (Diluted)	186.55	164.78	132.18	113.49	92.37
EPS Growth	13.21%	24.66%	16.47%	22.87%	10.80%
Dividend Per Share	-	16.500	-	-	-
Effective Tax Rate	32.67%	30.20%	31.30%	25.18%	30.63%

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