Income Statement Seven Bank, Ltd.

Stocks

8410

JP3105220002

Banks

Market Closed - Japan Exchange Other stock markets 12:00:00 11/06/2026 pm IST			5-day change	1st Jan Change
287.50 ^JPY	+0.52%		+4.24%	-5.77%

10/06	Japanese Shares Close in Red as US Strike on Iran Dents Investor Sentiment	MT
10/06	Seven Bank May ATM Transactions Climbs 4.5%	MT

236499087.6I7iQERkaJ8w4uAtpv36EdU1xrPA5pjtwSL-JtGY1HU.3-WYESEUD8tir7Qa7M6cRK939veC1OGnklWxVObipzzY5tUPG1w850HSkw

Published financial data: SEVEN BANK, LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	347.8Cr	389.6Cr	471Cr	750.3Cr	975Cr
Interest Income On Investments	13Cr	14Cr	22Cr	66Cr	133.9Cr
Interest Income, Total	360.9Cr	403.2Cr	493.2Cr	815.8Cr	1.11TCr
Interest On Deposits	6.7Cr	4.6Cr	3.4Cr	3.2Cr	52Cr
Total Interest On Borrowings	47Cr	56Cr	78Cr	114.2Cr	157.8Cr
Interest Expense, Total	54Cr	60Cr	82Cr	117.4Cr	209.8Cr
Net Interest Income	307Cr	343Cr	411.7Cr	698.4Cr	899.1Cr
Gain (Loss) on Sale of Assets	1.5Cr	-75Cr	-25Cr	-55Cr	-74Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	110.5Cr	-130.7Cr	227.2Cr
Total Other Non Interest Income	13TCr	13TCr	15TCr	19TCr	20TCr
Non Interest Income, Total	13TCr	13TCr	15TCr	19TCr	20TCr
Revenues Before Provison For Loan Losses	14TCr	14TCr	15TCr	19TCr	21TCr
Provision For Loan Losses	6.3Cr	42Cr	101.7Cr	217.9Cr	288.7Cr
Total Revenues	14TCr	13TCr	15TCr	19TCr	21TCr
Selling General & Admin Expenses, Total	6.43TCr	7.02TCr	8.02TCr	11TCr	12TCr
Total Other Non Interest Expense	3.67TCr	3.72TCr	4.4TCr	5.46TCr	5.69TCr
Non Interest Expense, Total	10TCr	11TCr	12TCr	16TCr	18TCr
EBT, Excl. Unusual Items	3.57TCr	2.75TCr	2.87TCr	3TCr	2.95TCr
Asset Writedown	-	-76Cr	-125.4Cr	-35Cr	-202.5Cr
Other Unusual Items	-	42Cr	-10L	1.55TCr	131.4Cr
EBT, Incl. Unusual Items	3.57TCr	2.72TCr	2.74TCr	4.51TCr	2.88TCr
Income Tax Expense	991.8Cr	647.1Cr	886.3Cr	1.32TCr	1.06TCr
Earnings From Continuing Operations	2.57TCr	2.07TCr	1.86TCr	3.2TCr	1.83TCr
Net Income to Company	2.57TCr	2.07TCr	1.86TCr	3.2TCr	1.83TCr
Minority Interest	17Cr	14Cr	29Cr	1.1Cr	-4.7Cr
Net Income - (IS)	2.59TCr	2.08TCr	1.89TCr	3.2TCr	1.82TCr
Net Income to Common Incl Extra Items	2.59TCr	2.08TCr	1.89TCr	3.2TCr	1.82TCr
Net Income to Common Excl. Extra Items	2.59TCr	2.08TCr	1.89TCr	3.2TCr	1.82TCr
Per Share Items
Net EPS - Basic	22.01	17.72	16.03	27.26	15.57
Basic EPS - Continuing Operations	22.01	17.72	16.03	27.26	15.57
Basic Weighted Average Shares Outstanding	117.68Cr	117.56Cr	117.6Cr	117.28Cr	116.99Cr
Net EPS - Diluted	22	17.72	16.03	27.26	15.57
Diluted EPS - Continuing Operations	22	17.72	16.03	27.26	15.57
Diluted Weighted Average Shares Outstanding	117.7Cr	117.56Cr	117.6Cr	117.28Cr	116.99Cr
Normalized Basic EPS	19.08	14.74	15.49	15.98	15.74
Normalized Diluted EPS	19.08	14.74	15.49	15.98	15.74
Dividend Per Share	11	11	11	11	11
Payout Ratio	50.06	62.26	68.81	40.56	70.91
American Depositary Receipts Ratio (ADR)	10	10	10	10	10
Supplemental Items
Effective Tax Rate - (Ratio)	27.82	23.83	32.32	29.18	36.65
Normalized Net Income	2.25TCr	1.73TCr	1.82TCr	1.87TCr	1.84TCr
Non-Cash Pension Expense	-7.3Cr	-13Cr	-15Cr	-16Cr	-23Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	94TCr	93TCr	95TCr	99TCr	89TCr
Investment Securities, Total	7.82TCr	8.99TCr	9.97TCr	12TCr	12TCr
Total investments	7.82TCr	8.99TCr	9.97TCr	12TCr	12TCr
Gross Loans	2.43TCr	2.81TCr	6.31TCr	11TCr	7.23TCr
Allowance For Loan Losses	-8.8Cr	-50Cr	-152.1Cr	-459.3Cr	-467.9Cr
Net Loans	2.42TCr	2.76TCr	6.16TCr	10TCr	6.76TCr
Net Property Plant And Equipment	1.92TCr	2.66TCr	3.03TCr	3.92TCr	5.02TCr
Other Intangibles, Total	3.49TCr	3.36TCr	3.44TCr	4.68TCr	5TCr
Deferred Tax Assets Long-Term (Collected)	71Cr	297.9Cr	471.2Cr	475.1Cr	263.9Cr
Other Long-Term Assets, Total	10TCr	11TCr	13TCr	42TCr	31TCr
Total Assets	1,19700Cr	1,22200Cr	1,31200Cr	1,71800Cr	1,49600Cr
Liabilities
Accrued Expenses, Total	61Cr	79Cr	83Cr	103.2Cr	106.3Cr
Interest Bearing Deposits	78TCr	79TCr	82TCr	92TCr	84TCr
Total Deposits	78TCr	79TCr	82TCr	92TCr	84TCr
Short-Term Borrowings	-	-	5TCr	11TCr	3.5TCr
Long-Term Debt	11TCr	11TCr	9.5TCr	8.41TCr	6.33TCr
Pension & Other Post Retirement Benefits	60L	1.3Cr	1.5Cr	5.4Cr	4.4Cr
Deferred Tax Liability Non-Current	8.7Cr	30L	3.4Cr	9.9Cr	18Cr
Other Non Current Liabilities	7.28TCr	7.91TCr	9.07TCr	33TCr	27TCr
Total Liabilities	96TCr	98TCr	1,05800Cr	1,44200Cr	1,21300Cr
Common Stock, Total	3.07TCr	3.07TCr	3.07TCr	3.07TCr	3.07TCr
Additional Paid In Capital	3.07TCr	3.08TCr	3.09TCr	3.08TCr	3.11TCr
Retained Earnings	17TCr	18TCr	18TCr	20TCr	21TCr
Treasury Stock	-108.1Cr	-117.3Cr	-90Cr	-274.4Cr	-273.8Cr
Comprehensive Income and Other	420.7Cr	564.1Cr	751.1Cr	988.2Cr	1.1TCr
Total Common Equity	23TCr	24TCr	25TCr	27TCr	28TCr
Minority Interest	140.7Cr	160.6Cr	361.1Cr	530.6Cr	525.5Cr
Total Equity	23TCr	24TCr	25TCr	28TCr	28TCr
Total Liabilities And Equity	1,19700Cr	1,22200Cr	1,31200Cr	1,71800Cr	1,49600Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	117.57Cr	117.53Cr	117.62Cr	116.99Cr	116.99Cr
ECS Total Common Shares Outstanding	117.57Cr	117.53Cr	117.62Cr	116.99Cr	116.99Cr
Book Value / Share	198.4	206.33	213.08	231.25	236.96
Tangible Book Value	20TCr	21TCr	22TCr	22TCr	23TCr
Tangible Book Value Per Share	168.76	177.75	183.88	191.26	194.19
Average Loans	3.03TCr	3.87TCr	5.78TCr	11TCr	9.05TCr
Total Debt	11TCr	11TCr	14TCr	19TCr	9.83TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-90Cr	-103.8Cr	-109.8Cr	-258.9Cr	-293.3Cr
Net Debt	-83TCr	-82TCr	-81TCr	-79TCr	-79TCr
Full Time Employees	809	911	1.02T	1.3T	1.4T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	3.57TCr	2.72TCr	2.74TCr	4.51TCr	2.88TCr
Depreciation, Depletion & Amortization	1.41TCr	1.64TCr	1.95TCr	2.33TCr	2.91TCr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	3Cr	9Cr	6.7Cr
Total Depreciation, Depletion & Amortization	1.41TCr	1.64TCr	1.96TCr	2.34TCr	2.92TCr
(Gain) Loss On Sale of Asset - (CF)	-1.4Cr	151.6Cr	150Cr	90Cr	276.7Cr
(Gain) Loss on Sale of Investments - (CF)	8.8Cr	6.5Cr	-44Cr	82Cr	-244.4Cr
(Income) Loss On Equity Investments - (CF)	80Cr	69Cr	58Cr	1.9Cr	7.6Cr
Change in Other Net Operating Assets (Collected)	-24Cr	-197Cr	238.1Cr	2.02TCr	-6.44TCr
Other Operating Activities	-1.32TCr	-981.4Cr	-1.52TCr	-8.37TCr	4.05TCr
Cash from Operations	3.72TCr	3.4TCr	3.58TCr	684.1Cr	3.45TCr
Capital Expenditure	-1.04TCr	-1.25TCr	-1.33TCr	-1.77TCr	-2.32TCr
Sale of Property, Plant, and Equipment	27Cr	1.9Cr	60L	-	-
Purchase / Sale of Intangible Assets	-1.47TCr	-1.18TCr	-1.2TCr	-2.15TCr	-2.19TCr
Investment in Marketable and Equity Securities, Total	-789.9Cr	-1.18TCr	-1.09TCr	-1.27TCr	-165.3Cr
Other Investing Activities, Total	-	-10L	-	10L	10L
Cash from Investing	-3.28TCr	-3.61TCr	-3.62TCr	-5.19TCr	-4.67TCr
Repurchase of Common Stock	-77Cr	-9.7Cr	-	-187.3Cr	-
Common Dividends Paid	-1.3TCr	-1.3TCr	-1.3TCr	-1.3TCr	-1.29TCr
Common & Preferred Stock Dividends Paid	-1.3TCr	-1.3TCr	-1.3TCr	-1.3TCr	-1.29TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	9.88TCr	727.8Cr	3.08TCr	9.39TCr	-7.34TCr
Other Financing Activities, Total	18Cr	34Cr	-	274.9Cr	25Cr
Cash from Financing	8.53TCr	-544.9Cr	1.78TCr	8.18TCr	-8.6TCr
Foreign Exchange Rate Adjustments	-21Cr	99Cr	144Cr	174.2Cr	215.7Cr
Miscellaneous Cash Flow Adjustments	-30L	-	-10L	-20L	-10L
Net Change in Cash	8.95TCr	-654.1Cr	1.89TCr	3.85TCr	-9.61TCr
Supplemental Items
Cash Income Tax Paid (Refund)	1.34TCr	871.2Cr	824.1Cr	1.28TCr	576.9Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.25	1.71	1.46	2.11	1.14
Return On Equity %	11.25	8.64	7.45	12.06	6.54
Return on Common Equity	11.39	8.76	7.65	12.27	6.65
Shareholders Value Added	-138.02Cr	-771.94Cr	-1.07TCr	79Cr	-1.46TCr
Margin Analysis
SG&A Margin	47.05	52.07	52.45	56.11	58.55
Net Interest Income / Total Revenues %	2.25	2.54	2.69	3.63	4.31
EBT Excl. Non-Recurring Items Margin %	26.09	20.39	18.76	15.56	14.16
Income From Continuing Operations Margin %	18.83	15.33	12.14	16.59	8.76
Net Income Margin %	18.95	15.44	12.33	16.6	8.73
Net Avail. For Common Margin %	18.95	15.44	12.33	16.6	8.73
Normalized Net Income Margin	16.43	12.85	11.91	9.73	8.83
Asset quality
Nonperforming Loans / Total Loans %	0.19	0.22	0.17	1.14	1.61
Nonperforming Loans / Total Assets %	0	0	0.01	0.07	0.08
Nonperforming Assets / Total Assets %	0	0	0.01	0.07	0.08
NPAs / Loans and OREO	0.19	0.22	0.17	1.14	1.61
NPAs / Equity	0.02	0.02	0.04	0.44	0.41
Allowance for Credit Losses / Nonperforming Loans %	191.3	826.23	1.43T	377.71	402.32
Allowance for Credit Losses / Total Loans %	0.36	1.8	2.41	4.32	6.48
Earning Assets / IBL	17.56	19.16	22.92	29.61	21.86
Capital And Funding
Total Average Common Equity / Total Average Assets %	19.92	19.67	19.46	17.2	17.04
Total Average Equity / Total Average Assets %	20.04	19.79	19.67	17.49	17.37
Total Equity + Allowance for Loan Losses / Total Loans %	959.17	866.16	399.54	258.86	390.15
Gross Loans / Total Deposits %	3.11	3.55	7.68	11.61	8.58
Net Loans / Total Deposits %	3.09	3.48	7.5	11.11	8.02
Total Capital Ratio %	47.93	47.31	46.51	30.74	29.13
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	76.54	49.84	36.11	40.52	19.27
EBT + Interest Expense / Interest Expense	67.15	46.11	34.65	39.44	14.74
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.04	11.73	20.03	69.64	28.74
Non Interest Income, 1 Yr. Growth %	-7.77	-1.34	13.59	25.37	7.85
Provision For Loan Losses, 1 Yr. Growth %	3.05T	558.73	145.06	114.26	32.49
Total Revenues, 1 Yr. Growth %	-7.54	-1.31	13.35	25.97	8.33
Earnings From Cont. Operations, 1 Yr. Growth %	-1.41	-19.64	-10.26	72.19	-42.84
Net Income, 1 Yr. Growth %	-0.98	-19.6	-9.47	69.57	-43.01
Normalized Net Income, 1 Yr. Growth %	-9.9	-22.8	5.11	2.9	-1.74
Diluted EPS Before Extra, 1 Yr. Growth %	-0.5	-19.47	-9.5	70.02	-42.86
Dividend Per Share, 1 Yr. Growth %	0	0	0	0	0
Gross Loans, 1 Yr. Growth %	4.49	15.32	124.95	68.42	-32.02
Allowance For Loan Losses, 1 Yr. Growth %	252	472.73	201.79	201.97	1.87
Net Loans, 1 Yr. Growth %	4.23	13.66	123.54	65.12	-33.55
Non Performing Loans, 1 Yr. Growth %	17.95	32.61	73.77	1.05T	-4.36
Non Performing Assets, 1 Yr. Growth %	17.95	32.61	73.77	1.05T	-4.36
Total Assets, 1 Yr. Growth %	10.25	2.04	7.42	30.9	-12.91
Total Deposits, 1 Yr Growth %	14.44	0.93	3.9	11.43	-8
Tangible Book Value, 1 Yr. Growth %	3.44	5.29	3.53	3.46	1.53
Average Interest Earning Assets, 1 Yr. Growth %	7.51	13.44	30.45	36.97	-26.71
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.7	3.97	9.07	6	-0.73
Common Equity, 1 Yr. Growth %	5.32	3.96	3.35	7.95	2.47
Total Equity, 1 Yr. Growth %	5.32	4.02	4.15	8.5	2.4
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.92	8.85	15.8	42.69	47.78
Non Interest Income, 2 Yr. CAGR %	-3.53	-4.61	5.86	19.33	16.28
Provision For Loan Losses, 2 Yr. CAGR %	-	1.34T	301.78	129.14	68.49
Total Revenues, 2 Yr. CAGR %	-3.4	-4.47	5.77	19.49	16.81
Earnings From Cont. Operations, 2 Yr. CAGR %	39.47	-10.99	-15.08	24.31	-0.79
Net Income, 2 Yr. CAGR %	39.9	-10.78	-14.69	23.9	-1.69
Normalized Net Income, 2 Yr. CAGR %	-5.92	-16.6	-9.92	4	0.55
Diluted EPS Before Extra, 2 Yr. CAGR %	40.85	-10.49	-14.63	24.04	-1.44
Dividend Per Share, 2 Yr. CAGR %	0	0	0	0	0
Gross Loans, 2 Yr. CAGR %	3.55	9.77	61.06	94.64	7
Allowance For Loan Losses, 2 Yr. CAGR %	95.6	349	315.74	201.88	75.39
Net Loans, 2 Yr. CAGR %	3.42	8.84	59.4	92.12	4.75
Non Performing Loans, 2 Yr. CAGR %	18.07	25.06	51.8	346.48	231.24
Non Performing Assets, 2 Yr. CAGR %	18.07	25.06	51.8	346.48	231.24
Total Assets, 2 Yr. CAGR %	2.39	6.07	4.7	18.58	6.77
Total Deposits, 2 Yr CAGR %	7.38	7.47	2.4	7.6	1.25
Tangible Book Value, 2 Yr. CAGR %	3.22	4.36	4.41	3.49	2.49
Average Interest Earning Assets, 2 Yr. CAGR %	17.11	10.44	21.65	33.67	0.19
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.79	5.82	6.49	7.53	2.58
Common Equity, 2 Yr. CAGR %	4.68	4.64	3.65	5.62	5.17
Total Equity, 2 Yr. CAGR %	4.99	4.67	4.09	6.3	5.41
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.72	6.46	12.45	31.52	37.88
Non Interest Income, 3 Yr. CAGR %	2.5	-2.8	1.11	12	15.38
Provision For Loan Losses, 3 Yr. CAGR %	118.98	-	698.17	225.82	90.9
Total Revenues, 3 Yr. CAGR %	2.54	-2.7	1.13	12.11	15.65
Earnings From Cont. Operations, 3 Yr. CAGR %	0.58	16.06	-10.75	7.48	-4.05
Net Income, 3 Yr. CAGR %	0.79	16.31	-10.34	7.26	-4.36
Normalized Net Income, 3 Yr. CAGR %	-2	-11.92	-9.92	-5.84	2.05
Diluted EPS Before Extra, 3 Yr. CAGR %	1.24	16.9	-10.16	7.41	-4.2
Dividend Per Share, 3 Yr. CAGR %	3.23	0	0	0	0
Gross Loans, 3 Yr. CAGR %	2.31	7.34	39.43	63.48	37.07
Allowance For Loan Losses, 3 Yr. CAGR %	34.71	179.83	293.31	273.71	110.17
Net Loans, 3 Yr. CAGR %	2.24	6.72	38.35	61.28	34.86
Non Performing Loans, 3 Yr. CAGR %	2.27	22.73	39.56	197.89	167.15
Non Performing Assets, 3 Yr. CAGR %	2.27	22.73	39.56	197.89	167.15
Total Assets, 3 Yr. CAGR %	5.4	2.27	6.52	12.79	6.99
Total Deposits, 3 Yr CAGR %	7.92	5.18	6.27	5.33	2.12
Tangible Book Value, 3 Yr. CAGR %	4.07	3.91	4.08	4.09	2.83
Average Interest Earning Assets, 3 Yr. CAGR %	13.9	15.88	16.74	26.56	9.4
Average Interest Bearing Liabilities, 3 Yr. CAGR %	5.69	5.84	6.89	6.33	4.7
Common Equity, 3 Yr. CAGR %	3.24	4.44	4.21	5.07	4.56
Total Equity, 3 Yr. CAGR %	3.44	4.67	4.49	5.54	4.99
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	24.63	12.61	9.02	19.69	25.44
Non Interest Income, 5 Yr. CAGR %	2.62	2.15	3.83	5.51	6.92
Provision For Loan Losses, 5 Yr. CAGR %	28.47	-	179.15	-	328.43
Total Revenues, 5 Yr. CAGR %	2.9	2.28	3.82	5.63	7.14
Earnings From Cont. Operations, 5 Yr. CAGR %	0.82	-3.81	-6.01	19.29	-6.89
Net Income, 5 Yr. CAGR %	0.94	-3.67	-5.71	19.29	-6.98
Normalized Net Income, 5 Yr. CAGR %	-0.58	-5.37	-5.25	-5.87	-5.87
Diluted EPS Before Extra, 5 Yr. CAGR %	1.22	-3.38	-5.43	19.71	-6.77
Dividend Per Share, 5 Yr. CAGR %	5.29	4.1	1.92	0	0
Gross Loans, 5 Yr. CAGR %	-10	7.19	22.68	36.19	25.42
Allowance For Loan Losses, 5 Yr. CAGR %	6.25	75.82	111.43	188.45	184.74
Net Loans, 5 Yr. CAGR %	-10.04	6.83	22.12	35.02	23.78
Non Performing Loans, 5 Yr. CAGR %	2.33	-1.26	19.78	105.72	97.2
Non Performing Assets, 5 Yr. CAGR %	2.33	-1.26	19.78	105.72	97.2
Total Assets, 5 Yr. CAGR %	5.51	4.99	5.12	8.51	6.62
Total Deposits, 5 Yr CAGR %	7.42	6.68	5.68	6.14	4.23
Tangible Book Value, 5 Yr. CAGR %	5.7	4.89	4.2	3.74	3.44
Average Interest Earning Assets, 5 Yr. CAGR %	9.29	7.05	16.94	22.69	9.82
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.44	4.57	6.01	6.51	5.15
Common Equity, 5 Yr. CAGR %	4.77	4.03	3.4	4.91	4.59
Total Equity, 5 Yr. CAGR %	4.9	4.16	3.7	5.32	4.86