JP-listed companies
Seven Bank, Ltd.

Seven Bank, Ltd.JP:8410

Market cap

¥315.7B

P/E ratio

17x

Income statement Balance sheet Cash flow

	Mar 31, 2013	Mar 31, 2014	Mar 31, 2015	Mar 31, 2016	Mar 31, 2017	Mar 31, 2018	Mar 31, 2019	Mar 31, 2020	Mar 31, 2021	Mar 31, 2022	Mar 31, 2023
Ordinary income	94,965	105,587	114,036	119,939	121,608	127,656	147,288	148,553	137,267	136,667	154,984
Interest income	572	809	1,372	2,274	2,848	3,391	3,529	3,569	3,609	4,032	4,932
Interest on loans and discounts	411	613	1,157	2,078	2,704	3,271	3,419	3,451	3,475	3,890	4,669
Interest and dividends on securities	96	118	150	58	26	18	21	26	29	34	85
Interest on call loans	60	66	37	35	2	1	-	-	1	5	39
Interest on deposits with banks	3	10	27	102	115	100	87	90	102	102	137
Fees and commissions	94,046	104,533	112,274	117,265	118,226	123,507	142,614	144,280	131,709	131,320	147,718
Fees and commissions on domestic and foreign exchanges	856	1,208	1,664	2,039	2,358	2,582	2,750	3,062	3,438	3,362	3,312
ATM-related fee income	89,690	100,021	107,213	111,619	112,051	116,854	135,324	136,486	123,501	121,731	135,122
Other fees and commissions	3,499	3,303	3,396	3,606	3,815	4,070	4,538	4,730	4,769	6,225	9,283
Other ordinary income	49	81	161	193	249	279	275	281	201	390	488
Other income	296	163	227	206	283	477	869	422	1,746	924	1,845
Other	284	154	217	206	248	477	856	422	1,746	924	1,845
Other	284	154	217	206	248	477	856	422	1,746	924	1,845
Ordinary expenses	63,094	69,801	76,997	82,772	84,897	89,350	106,574	108,716	101,626	108,412	126,059
Interest expenses	1,627	1,806	1,254	1,253	954	718	686	674	539	602	815
Interest on deposits	432	497	545	565	320	163	119	99	67	45	33
Interest on negotiable certificates of deposit	48	18	13	2	-	-	-	-	-	-	-
Interest on call money	19	14	14	18	-20	-28	-37	-12	-9	-4	-25
Interest on borrowings and rediscounts	337	308	141	113	105	76	74	15	14	94	346
Interest expenses on bonds	790	967	539	553	548	506	530	570	467	466	460
Fees and commissions payments	12,217	16,291	19,174	21,661	23,092	26,583	39,236	40,305	35,360	35,816	42,258
Fees and commissions on domestic and foreign exchanges	432	660	942	1,164	1,359	1,466	1,476	1,591	1,773	1,631	1,508
ATM-placement fee expenses	11,045	14,249	16,311	17,858	18,693	20,853	30,511	31,013	28,282	28,473	31,216
ATM-related fee expenses	516	954	1,178	1,448	1,527	2,375	4,499	4,886	2,444	2,365	5,663
Other fees and commissions	222	427	742	1,190	1,511	1,888	2,749	2,813	2,859	3,511	3,870
General and administrative expenses	48,809	51,693	56,419	59,757	60,781	61,645	66,070	62,813	64,308	70,371	80,195
Other expenses	34	10	95	99	68	312	462	4,922	1,418	1,747	2,790
Provision of allowance for loan losses	-	-	-	18	-	6	-	2	63	415	1,017
Other	34	10	95	81	68	306	462	4,920	1,355	1,332	1,772
Other	34	10	95	81	68	306	462	4,920	1,355	1,332	1,772
Ordinary profit (loss)	31,871	35,786	37,038	37,167	36,710	38,305	40,714	39,836	35,640	28,255	28,924
Extraordinary income	-	-	-	-	-	-	-	91	273	435	6
Gain on disposal of non-current assets	-	-	-	-	-	-	-	91	273	19	6
Gain on change in equity	-	-	-	-	-	-	-	-	-	415	-
Extraordinary losses	500	1,028	195	210	167	141	14,970	147	258	1,536	1,507
Loss on disposal of non-current assets	111	1,028	195	210	167	141	139	147	258	773	252
Impairment losses	389	-	-	-	-	-	14,830	-	-	763	1,254
Extraordinary losses	500	1,028	195	210	167	141	14,970	147	258	1,536	1,507
Loss on disposal of non-current assets	111	1,028	195	210	167	141	139	147	258	773	252
Impairment losses	389	-	-	-	-	-	14,830	-	-	763	1,254
Profit (loss) before income taxes	31,370	34,758	36,842	36,956	36,542	38,163	25,744	39,780	35,655	27,154	27,423
Profit (loss) before income taxes	31,370	34,758	36,842	36,956	36,542	38,163	25,744	39,780	35,655	27,154	27,423
Income taxes - current	11,999	13,885	13,544	12,666	11,701	13,302	13,119	13,840	9,867	8,772	10,030
Income taxes - current	11,999	13,885	13,544	12,666	11,701	13,302	13,119	13,840	9,867	8,772	10,030
Income taxes - deferred	-6	-363	79	-413	-272	-437	-605	-164	51	-2,300	-1,167
Income taxes - deferred	-6	-363	79	-413	-272	-437	-605	-164	51	-2,300	-1,167
Income taxes	11,992	13,522	13,624	12,252	11,429	12,864	12,513	13,675	9,918	6,471	8,863
Income taxes	11,992	13,522	13,624	12,252	11,429	12,864	12,513	13,675	9,918	6,471	8,863
Profit (loss)	-	-	23,218	24,703	25,113	25,298	13,230	26,105	25,737	20,682	18,560
Profit (loss)	-	-	23,218	24,703	25,113	25,298	13,230	26,105	25,737	20,682	18,560
Profit (loss) attributable to non-controlling interests	-	-	-2	-13	-1	-3	-5	-57	-168	-144	-294
Profit (loss) attributable to owners of parent	-	-	23,220	24,716	25,114	25,301	13,236	26,162	25,905	20,827	18,854