Cash flow SBI Shinsei Bank, Limited

Equities

8303

JP3729000004

Banks

Market Closed - Japan Exchange Other stock markets 01:30:00 2026-01-16 am EST			5-day change	1st Jan Change
2,125.00 ^JPY	+4.63%		+11.72%	+22.13%

Dec. 26	Leifras Secures Roughly $16 Million Commitment Line Agreements	MT
Dec. 25	SBI Seeks Deeper Capital Ties With Regional Banks	MT

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Published financial data: SBI SHINSEI BANK, LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	127B	127B	159B	198B	222B
Interest Income On Investments	7.73B	11.5B	25.98B	51.76B	70.25B
Interest Income, Total	135B	139B	185B	250B	293B
Interest On Deposits	4.27B	3.59B	14.12B	37.17B	61.32B
Total Interest On Borrowings	8.73B	9.74B	31.68B	56.84B	73.3B
Interest Expense, Total	13B	13.32B	45.8B	94.01B	135B
Net Interest Income	122B	126B	139B	156B	158B
Trust Income	3.62B	3.38B	3.4B	3.76B	-
Income From Trading Activities	3.88B	6.6B	3.77B	12.45B	8.01B
Gain (Loss) on Sale of Assets	78M	122M	-160M	82M	2.15B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.97B	-7.05B	-1.18B	4.93B	-
Total Other Non Interest Income	230B	219B	229B	259B	313B
Non Interest Income, Total	239B	222B	235B	281B	323B
Revenues Before Provison For Loan Losses	361B	348B	373B	437B	481B
Provision For Loan Losses	33.47B	37.27B	30.6B	44.45B	54.2B
Total Revenues	328B	311B	343B	392B	427B
Selling General & Admin Expenses, Total	152B	158B	165B	169B	172B
Total Other Non Interest Expense	131B	124B	126B	162B	175B
Non Interest Expense, Total	283B	282B	291B	331B	347B
EBT, Excl. Unusual Items	44.48B	28.42B	51.98B	61.15B	79.95B
Asset Writedown	-1.01B	-373M	-1.91B	-434M	-
Other Unusual Items	11.87B	447M	1.72B	2.23B	19.46B
EBT, Incl. Unusual Items	55.34B	28.5B	51.79B	62.95B	99.41B
Income Tax Expense	11.11B	8.15B	9B	5.05B	15.26B
Earnings From Continuing Operations	44.22B	20.34B	42.78B	57.9B	84.15B
Net Income to Company	44.22B	20.34B	42.78B	57.9B	84.15B
Minority Interest	886M	40M	-14M	22M	352M
Net Income - (IS)	45.11B	20.38B	42.77B	57.92B	84.5B
Net Income to Common Incl Extra Items	45.11B	20.38B	42.77B	57.92B	84.5B
Net Income to Common Excl. Extra Items	45.11B	20.38B	42.77B	57.92B	84.5B
Per Share Items
Net EPS - Basic	202.16	96.78	209.47	999M	112.7
Basic EPS - Continuing Operations	202.16	96.78	209.47	999M	112.7
Basic Weighted Average Shares Outstanding	223M	211M	204M	58	750M
Net EPS - Diluted	202.1	96.75	209.47	999M	112.7
Diluted EPS - Continuing Operations	202.1	96.75	209.47	999M	112.7
Diluted Weighted Average Shares Outstanding	223M	211M	204M	58	750M
Normalized Basic EPS	128.55	84.53	159.02	659M	67.12
Normalized Diluted EPS	128.51	84.5	159.02	659M	67.12
Dividend Per Share	12	12	12	40M	-
Payout Ratio	5.11	12.67	5.76	4.23	-
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	20.08	28.6	17.39	8.02	15.35
Normalized Net Income	28.68B	17.8B	32.47B	38.24B	50.32B
Non-Cash Pension Expense	-1.48B	-2.04B	-1.67B	-2.28B	-3.02B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,919B	1,625B	1,993B	3,273B	3,917B
Investment Securities, Total	976B	706B	1,611B	1,683B	3,104B
Trading Asset Securities, Total	170B	149B	167B	200B	270B
Total investments	1,146B	855B	1,778B	1,884B	3,373B
Gross Loans	5,234B	5,242B	6,917B	7,834B	9,600B
Allowance For Loan Losses	-113B	-119B	-118B	-126B	-144B
Net Loans	5,121B	5,122B	6,799B	7,708B	9,456B
Net Property Plant And Equipment	63.88B	60.99B	57.93B	58.94B	116B
Goodwill	13.46B	11.01B	10.74B	9.66B	-
Other Intangibles, Total	55.22B	51.6B	50.3B	50.13B	-
Restricted Cash	394B	388B	413B	379B	474B
Other Current Assets, Total	652B	641B	915B	736B	882B
Deferred Tax Assets Long-Term (Collected)	9.98B	10.72B	9.58B	12.52B	9.14B
Other Long-Term Assets, Total	1,366B	1,545B	1,668B	1,939B	2,103B
Total Assets	10,740B	10,311B	13,695B	16,049B	20,330B
Liabilities
Accrued Expenses, Total	8.54B	10.02B	10.08B	10.5B	-
Interest Bearing Deposits	6,571B	6,398B	9,982B	11,545B	14,667B
Total Deposits	6,571B	6,398B	9,982B	11,545B	14,667B
Short-Term Borrowings	297B	202B	41.15B	94.03B	542B
Long-Term Debt	1,790B	1,596B	1,194B	1,976B	2,431B
Other Current Liabilities - (Bank / Utility Template)	716B	719B	991B	835B	989B
Pension & Other Post Retirement Benefits	8.1B	8.17B	8.36B	7.47B	-
Deferred Tax Liability Non-Current	393M	472M	522M	-	1.61B
Other Non Current Liabilities	419B	453B	501B	614B	740B
Total Liabilities	9,809B	9,387B	12,728B	15,082B	19,371B
Common Stock, Total	512B	512B	512B	512B	140B
Additional Paid In Capital	72.96B	72.96B	72.96B	72.95B	354B
Retained Earnings	432B	450B	390B	438B	521B
Treasury Stock	-81.46B	-98.61B	-1.64B	-61.8B	-31.27B
Comprehensive Income and Other	-12.88B	-15.84B	-11.83B	985M	-27.88B
Total Common Equity	922B	920B	962B	963B	955B
Minority Interest	8.3B	4.05B	4.51B	3.97B	3.85B
Total Equity	931B	924B	967B	967B	959B
Total Liabilities And Equity	10,740B	10,311B	13,695B	16,049B	20,330B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	215M	204M	205M	54	798M
ECS Total Common Shares Outstanding	215M	205M	204M	54	45
Book Value / Share	4.28K	4.48K	4.71K	17.83B	21.23B
Tangible Book Value	854B	858B	901B	903B	955B
Tangible Book Value Per Share	3.97K	4.18K	4.41K	16.72B	21.23B
Average Loans	5,069B	5,165B	-	-	-
Total Debt	2,086B	1,798B	1,235B	2,070B	2,973B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-11.4B	-11.35B	-8.88B	-19.04B	-29.13B
Net Debt	-3.28B	24.31B	-924B	-1,403B	-1,213B
Full Time Employees	5.6K	5.61K	5.55K	5.65K	5.69K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	55.34B	28.5B	51.79B	62.95B	-
Depreciation, Depletion & Amortization	14.64B	14.45B	14.98B	13.5B	-
Amortization of Goodwill and Intangible Assets - (CF)	2.35B	2.77B	3.07B	3.96B	-
Total Depreciation, Depletion & Amortization	16.98B	17.22B	18.05B	17.46B	-
(Gain) Loss On Sale of Asset - (CF)	932M	223M	2.07B	352M	-
(Gain) Loss on Sale of Investments - (CF)	-11.87B	7.23B	691M	-4.61B	-
(Income) Loss On Equity Investments - (CF)	-6.72B	-1.38B	411M	741M	-
Change in Trading Asset Securities	7.78B	7.15B	-3.97B	-11.74B	-
Change in Other Net Operating Assets (Collected)	-38.75B	-206B	-2,264B	-150B	-
Other Operating Activities	-40.62B	-150B	-81.61B	-303B	-
Cash from Operations	-16.92B	-297B	-2,277B	-388B	-
Capital Expenditure	-2.1B	-1.93B	-3.02B	-2.98B	-
Purchase / Sale of Intangible Assets	-9.85B	-7.21B	-8.88B	-11.27B	-
Investment in Marketable and Equity Securities, Total	-1.63B	252B	-903B	74.66B	-
Other Investing Activities, Total	20.77B	8.19B	-40.48B	35.36B	-
Cash from Investing	7.19B	251B	-956B	95.77B	-
Long-Term Debt Repaid, Total	-	-	-	-	-
Total Debt Repaid	-	-	-	-	-
Issuance of Common Stock	-	-	-	56B	-
Repurchase of Common Stock	-20.5B	-17.41B	-2.59B	-124B	-
Common Dividends Paid	-2.31B	-2.58B	-2.46B	-2.45B	-
Common & Preferred Stock Dividends Paid	-2.31B	-2.58B	-2.46B	-2.45B	-
Net Increase (Decrease) in Deposit Accounts - (CF)	266B	-174B	3,584B	1,576B	-
Other Financing Activities, Total	-4.53B	119M	424M	419M	-
Cash from Financing	239B	-194B	3,579B	1,507B	-
Foreign Exchange Rate Adjustments	81M	80M	19M	31M	-
Miscellaneous Cash Flow Adjustments	-867M	0	-227M	21M	-
Net Change in Cash	228B	-239B	347B	1,214B	-
Supplemental Items
Cash Income Tax Paid (Refund)	7.99B	6.78B	5.68B	7.21B	-
Net Debt Issued / Repaid	-	-	-	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.42	0.19	0.36	0.39	0.46
Return On Equity %	4.8	2.19	4.53	5.99	8.74
Return on Common Equity	4.94	2.21	4.54	6.02	8.81
Shareholders Value Added	-62.08B	-87.41B	-67.09B	-53.6B	-
Margin Analysis
SG&A Margin	46.35	50.96	48.19	43.19	40.19
Net Interest Income / Total Revenues %	37.25	40.45	40.49	39.81	37.02
EBT Excl. Non-Recurring Items Margin %	13.58	9.15	15.17	15.58	18.72
Income From Continuing Operations Margin %	13.5	6.55	12.48	14.76	19.71
Net Income Margin %	13.77	6.56	12.48	14.76	19.79
Net Avail. For Common Margin %	13.77	6.56	12.48	14.76	19.79
Normalized Net Income Margin	8.75	5.73	9.47	9.75	11.78
Asset quality
Nonperforming Loans / Total Loans %	2.23	2.52	1.76	1.51	1.29
Nonperforming Loans / Total Assets %	1.09	1.28	0.89	0.74	0.61
Nonperforming Assets / Total Assets %	1.09	1.28	0.89	0.74	0.61
NPAs / Loans and OREO	2.23	2.52	1.76	1.51	1.29
NPAs / Equity	12.54	14.26	12.62	12.2	12.95
Allowance for Credit Losses / Net Charge-offs %	254.1	254.71	303.47	304.43	312.62
Allowance for Credit Losses / Nonperforming Loans %	96.71	90.61	97.09	106.86	116.18
Allowance for Credit Losses / Total Loans %	2.16	2.28	1.71	1.61	1.5
Net Charge-offs / Total Average Loans %	0.88	0.91	-	-	-
Provision for Loan Losses / Net Charge-offs %	75.32	79.47	78.41	107.34	117.41
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.71	8.75	7.84	6.47	5.27
Total Average Equity / Total Average Assets %	8.78	8.81	7.88	6.5	5.29
Total Equity + Allowance for Loan Losses / Total Loans %	19.78	19.84	15.62	13.9	11.46
Gross Loans / Total Deposits %	79.64	81.93	69.29	67.85	65.46
Net Loans / Total Deposits %	77.92	80.06	68.11	66.76	64.47
Total Capital Ratio %	11.39	11.72	10.24	9.87	9.33
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	7.34	3.93	2.63	2.11	2.36
EBT + Interest Expense / Interest Expense	5.26	3.14	2.13	1.67	1.74
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-8.59	2.98	10.41	12.56	1.21
Non Interest Income, 1 Yr. Growth %	-2.55	-7.02	5.52	19.66	15.14
Provision For Loan Losses, 1 Yr. Growth %	-25.33	11.37	-17.91	45.27	21.95
Total Revenues, 1 Yr. Growth %	-1.91	-5.17	10.31	14.5	8.82
Earnings From Cont. Operations, 1 Yr. Growth %	-2	-53.99	110.3	35.33	45.33
Net Income, 1 Yr. Growth %	-1.02	-54.81	109.82	35.43	45.88
Normalized Net Income, 1 Yr. Growth %	-10.59	-37.93	82.38	17.78	31.58
Diluted EPS Before Extra, 1 Yr. Growth %	6.06	-52.13	116.51	477M	-100
Dividend Per Share, 1 Yr. Growth %	20	0	0	333M	-
Gross Loans, 1 Yr. Growth %	2.41	0.16	31.96	13.25	22.55
Allowance For Loan Losses, 1 Yr. Growth %	4.54	5.82	-0.88	6.46	14.48
Net Loans, 1 Yr. Growth %	2.36	0.03	32.73	13.37	22.68
Non Performing Loans, 1 Yr. Growth %	33.85	12.95	-7.5	-3.27	5.29
Non Performing Assets, 1 Yr. Growth %	33.85	12.95	-7.5	-3.27	5.29
Total Assets, 1 Yr. Growth %	5.02	-3.99	32.81	17.19	26.67
Total Deposits, 1 Yr Growth %	4.22	-2.64	56.02	15.65	27.04
Tangible Book Value, 1 Yr. Growth %	2.12	0.46	5.05	0.22	5.81
Common Equity, 1 Yr. Growth %	2.14	-0.24	4.53	0.08	-0.76
Total Equity, 1 Yr. Growth %	2.22	-0.69	4.56	0.02	-0.77
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.5	-2.98	6.63	11.48	6.74
Non Interest Income, 2 Yr. CAGR %	4.88	-4.81	-0.95	12.37	17.38
Provision For Loan Losses, 2 Yr. CAGR %	-2.55	-8.81	-4.39	9.2	33.1
Total Revenues, 2 Yr. CAGR %	1.84	-3.55	2.28	12.39	11.63
Earnings From Cont. Operations, 2 Yr. CAGR %	-7.85	-32.85	-1.64	68.7	40.24
Net Income, 2 Yr. CAGR %	-7.15	-33.12	-2.63	68.57	40.56
Normalized Net Income, 2 Yr. CAGR %	-9.24	-25.5	6.4	46.56	24.49
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.18	-28.74	1.81	321K	-26.65
Dividend Per Share, 2 Yr. CAGR %	9.54	9.54	0	182K	-
Gross Loans, 2 Yr. CAGR %	2.44	1.28	14.96	22.25	17.81
Allowance For Loan Losses, 2 Yr. CAGR %	7.31	5.18	2.41	2.72	10.39
Net Loans, 2 Yr. CAGR %	2.34	1.19	15.23	22.67	17.93
Non Performing Loans, 2 Yr. CAGR %	22.68	22.95	2.21	-5.41	0.92
Non Performing Assets, 2 Yr. CAGR %	22.68	22.95	2.21	-5.41	0.92
Total Assets, 2 Yr. CAGR %	5.93	0.41	12.92	24.76	21.84
Total Deposits, 2 Yr CAGR %	5.34	0.73	23.25	34.33	21.21
Tangible Book Value, 2 Yr. CAGR %	1.73	1.28	2.73	2.61	2.98
Common Equity, 2 Yr. CAGR %	1.68	0.94	2.12	2.28	-0.34
Total Equity, 2 Yr. CAGR %	1.88	0.76	1.9	2.27	-0.38
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.78	-2.07	1.29	8.57	7.95
Non Interest Income, 3 Yr. CAGR %	0.44	0.75	-1.48	5.49	13.28
Provision For Loan Losses, 3 Yr. CAGR %	-8.04	1.88	-11.95	9.92	13.3
Total Revenues, 3 Yr. CAGR %	0.61	-0.56	0.86	6.2	11.19
Earnings From Cont. Operations, 3 Yr. CAGR %	-4.99	-26.9	-1.76	9.4	60.52
Net Income, 3 Yr. CAGR %	-4.27	-26.96	-2.09	8.69	60.64
Normalized Net Income, 3 Yr. CAGR %	-7.03	-20.04	0.4	10.06	41.39
Diluted EPS Before Extra, 3 Yr. CAGR %	0.52	-22.91	3.21	16.93K	5.22
Dividend Per Share, 3 Yr. CAGR %	6.27	6.27	6.27	14.84K	-
Gross Loans, 3 Yr. CAGR %	2.25	1.68	10.62	14.39	22.35
Allowance For Loan Losses, 3 Yr. CAGR %	3.84	6.81	3.12	3.74	6.5
Net Loans, 3 Yr. CAGR %	2.21	1.57	10.77	14.6	22.67
Non Performing Loans, 3 Yr. CAGR %	15.94	19.35	11.82	0.35	-1.97
Non Performing Assets, 3 Yr. CAGR %	15.94	19.35	11.82	0.35	-1.97
Total Assets, 3 Yr. CAGR %	4.33	2.51	10.22	14.33	25.39
Total Deposits, 3 Yr CAGR %	2.7	2.61	16.55	20.66	31.85
Tangible Book Value, 3 Yr. CAGR %	2.42	1.3	2.52	1.88	3.66
Common Equity, 3 Yr. CAGR %	2.6	1.04	2.13	1.44	1.26
Total Equity, 3 Yr. CAGR %	2.83	1.02	2.01	1.27	1.24
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.05	0.55	1.5	3.14	3.44
Non Interest Income, 5 Yr. CAGR %	0.63	-1.58	-0.12	5.25	5.67
Provision For Loan Losses, 5 Yr. CAGR %	17.4	0.75	-6.59	4.75	3.88
Total Revenues, 5 Yr. CAGR %	-0.68	-1.02	1.28	4.43	5.04
Earnings From Cont. Operations, 5 Yr. CAGR %	-6.33	-16.63	-3.67	2.14	13.27
Net Income, 5 Yr. CAGR %	-5.84	-16.68	-3.61	2.06	13.14
Normalized Net Income, 5 Yr. CAGR %	-5.83	-9.8	-1.87	1.89	9.42
Diluted EPS Before Extra, 5 Yr. CAGR %	-2.52	-13.04	1.03	2.06K	-9.97
Dividend Per Share, 5 Yr. CAGR %	3.71	3.71	3.71	1.99K	-
Gross Loans, 5 Yr. CAGR %	2.78	1.62	7.16	9.45	13.44
Allowance For Loan Losses, 5 Yr. CAGR %	4.24	3.59	3.26	5.16	5.97
Net Loans, 5 Yr. CAGR %	2.75	1.57	7.23	9.53	13.58
Non Performing Loans, 5 Yr. CAGR %	4.13	12.95	10.24	8.75	7.33
Non Performing Assets, 5 Yr. CAGR %	4.13	12.95	10.24	8.75	7.33
Total Assets, 5 Yr. CAGR %	3.76	2.18	7.69	10.89	14.73
Total Deposits, 5 Yr CAGR %	2.53	1.76	10.47	14.28	18.39
Tangible Book Value, 5 Yr. CAGR %	3.1	2.25	2.54	1.82	2.7
Common Equity, 5 Yr. CAGR %	3.36	2.35	2.41	1.54	1.13
Total Equity, 5 Yr. CAGR %	3.25	2.4	2.46	1.52	1.05