Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-24
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 134
MetricValuePeriodScopeSource row
Ordinary income¥77.8bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥61.1bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥52.1bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥28.3bn2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥44.4bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥99.4bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥62.9bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)¥84.5bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥57.9bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥42.8bn2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥20.4bn2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥45.1bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥84.1bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥57.9bn2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥20.33Tat 2025-03-31Cons.Assets
Total assets¥16.05Tat 2024-03-31Cons.Assets
Total assets¥13.69Tat 2023-03-31dCons.Total assets (5-year summary)
Total assets¥10.31Tat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥10.74Tat 2021-03-31dCons.Total assets (5-year summary)
Total liabilities¥19.37Tat 2025-03-31Cons.Liabilities
Total liabilities¥15.08Tat 2024-03-31Cons.Liabilities
Net assets / equity¥959.2bnat 2025-03-31Cons.Net assets
Net assets / equity¥966.7bnat 2024-03-31Cons.Net assets
Net assets / equity¥966.5bnat 2023-03-31dCons.Net assets
Net assets / equity¥924.3bnat 2022-03-31dCons.Net assets (5-year summary)
Net assets / equity¥930.7bnat 2021-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥3.77Tat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥3.13Tat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥1.91Tat 2023-03-31dCons.Cash and cash equivalents
Cash & equivalents¥1.57Tat 2022-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥1.81Tat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥1.98T2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥1.19T2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥1.31T2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥470.6bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥249.2bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥1.29T2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥95.8bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥955.6bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥251.0bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥7.2bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥48.5bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥69.6bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥4.6bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥19.9bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥27.3bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥1,588,579,698.822024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥990,851,470.112023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥712,851,750.132022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥96.782021-04-01 → 2022-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥202.162020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥96.752021-04-01 → 2022-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥202.12020-04-01 → 2021-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥16,119,618,138.51at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥17,828,740,928.75at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥16,033,315,142.95at 2023-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥4,484.01at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥4,283.92at 2021-03-31dCons.Net assets per share (5-year summary)
Equity ratio4.7%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio6.0%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio7.0%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio8.9%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio8.6%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
ROE8.8%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE6.0%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE4.5%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
ROE2.2%2021-04-01 → 2022-03-31dCons.Rate of return on equity (5-year summary)
ROE4.9%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
Employees5,689at 2025-03-31Cons.Number of employees
Employees5,650at 2024-03-31Cons.Number of employees
Employees5,548at 2023-03-31dCons.Number of employees
Employees5,608at 2022-03-31dCons.Number of employees
Employees5,605at 2021-03-31dCons.Number of employees
Ordinary income¥60.9bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥58.3bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥54.4bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥36.8bn2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥37.2bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥61.2bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥55.3bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income¥50.1bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥62.9bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥49.0bn2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥30.4bn2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income¥34.5bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥18.68Tat 2025-03-31StandaloneAssets
Total assets¥14.53Tat 2024-03-31StandaloneAssets
Total assets¥12.23Tat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥8.73Tat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥9.09Tat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥17.81Tat 2025-03-31StandaloneLiabilities
Total liabilities¥13.64Tat 2024-03-31StandaloneLiabilities
Net assets / equity¥865.8bnat 2025-03-31StandaloneNet assets
Net assets / equity¥888.8bnat 2024-03-31StandaloneNet assets
Net assets / equity¥896.6bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥853.4bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥857.8bnat 2021-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥942,617,704.932024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥1,075,351,255.482023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥816,523,594.332022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥144.262021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥154.642020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥144.222021-04-01 → 2022-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥154.62020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥40,000,0002024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥40,000,0002023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥122022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥122021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥122020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥14,127,829,142.82at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥16,458,679,280.96at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥14,942,624,424.71at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥4,158at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥3,984.1at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio4.6%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio6.1%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio7.3%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio9.8%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio9.4%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE5.7%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE7.0%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE5.6%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
ROE3.5%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE4.0%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued48at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued60at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued205,034,689at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued259,034,689at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued259,034,689at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees2,309at 2025-03-31StandaloneNumber of employees
Employees2,288at 2024-03-31StandaloneNumber of employees
Employees2,228at 2023-03-31dStandaloneNumber of employees
Employees2,281at 2022-03-31dStandaloneNumber of employees
Employees2,245at 2021-03-31dStandaloneNumber of employees

Periods use the dates stated in the filing. d = earlier-year period dated by calendar; v = that date confirmed by the company's own earlier filing.

Segments · 52
SegmentItemPeriodValue
APLUSreportable segmentsegment assetsat 2025-03-31¥1.86T
APLUSreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥6.5bn
Corporate Businessreportable segmentsegment assetsat 2025-03-31¥4.72T
Corporate Businessreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥17.0bn
Marketsreportable segmentsegment assetsat 2025-03-31¥269.7bn
Marketsreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥4.2bn
Other Corporate Otherreportable segmentsegment assetsat 2025-03-31¥1.28T
Other Corporate Otherreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥6.6bn
Other Individual Consumer Finance Sub Groupreportable segmentsegment assetsat 2025-03-31¥172.8bn
Other Individual Consumer Finance Sub Groupreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥4.7bn
Overseas Businessreportable segmentsegment assetsat 2025-03-31¥502.4bn
Overseas Businessreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥11.2bn
Principal Transactionsreportable segmentsegment assetsat 2025-03-31¥186.4bn
Principal Transactionsreportable segmentsegment ordinary income2024-04-01 → 2025-03-31−¥500m
Retail Bankingreportable segmentsegment assetsat 2025-03-31¥1.64T
Retail Bankingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥5.9bn
Securities Investmentreportable segmentsegment assetsat 2025-03-31¥2.03T
Securities Investmentreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥8.1bn
Shinsei Financialreportable segmentsegment assetsat 2025-03-31¥502.4bn
Shinsei Financialreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥11.7bn
Showa Leasingreportable segmentsegment assetsat 2025-03-31¥651.5bn
Showa Leasingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥2.2bn
Structured Financereportable segmentsegment assetsat 2025-03-31¥2.00T
Structured Financereportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥5.8bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-03-31¥15.83T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2025-03-31¥83.2bn
APLUSreportable segmentsegment assetsat 2024-03-31¥1.67T
APLUSreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥11.7bn
Corporate Businessreportable segmentsegment assetsat 2024-03-31¥3.40T
Corporate Businessreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥15.7bn
Marketsreportable segmentsegment assetsat 2024-03-31¥200.1bn
Marketsreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥1.6bn
Other Corporate Otherreportable segmentsegment assetsat 2024-03-31¥621.5bn
Other Corporate Otherreportable segmentsegment ordinary income2023-04-01 → 2024-03-31−¥10.0bn
Other Individual Consumer Finance Sub Groupreportable segmentsegment assetsat 2024-03-31¥205.7bn
Other Individual Consumer Finance Sub Groupreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥690m
Overseas Businessreportable segmentsegment assetsat 2024-03-31¥456.5bn
Overseas Businessreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥6.2bn
Principal Transactionsreportable segmentsegment assetsat 2024-03-31¥175.4bn
Principal Transactionsreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥296m
Retail Bankingreportable segmentsegment assetsat 2024-03-31¥1.25T
Retail Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥5.3bn
Securities Investmentreportable segmentsegment assetsat 2024-03-31¥1.23T
Securities Investmentreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥5.1bn
Shinsei Financialreportable segmentsegment assetsat 2024-03-31¥489.4bn
Shinsei Financialreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥11.5bn
Showa Leasingreportable segmentsegment assetsat 2024-03-31¥622.8bn
Showa Leasingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥4.8bn
Structured Financereportable segmentsegment assetsat 2024-03-31¥1.91T
Structured Financereportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥11.5bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-03-31¥12.23T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2023-04-01 → 2024-03-31¥64.3bn

Segment names come from EDINET member IDs; not yet mapped to a common taxonomy.

All source rows · 1,978
ItemContextValueUnit
Clause of stipulation cover pageFilingDateInstant
Original text (Japanese)金融商品取引法第24条第1項
Place of filing cover pageFilingDateInstant
Original text (Japanese)関東財務局長
Filing date cover pageFilingDateInstant2025-06-24
Fiscal year cover pageFilingDateInstant
Original text (Japanese)第25期(自 2024年4月1日 至 2025年3月31日)
Company name cover pageFilingDateInstant
Original text (Japanese)株式会社SBI新生銀行
Company name in english cover pageFilingDateInstantSBI Shinsei Bank, Limited
Title and name of representative cover pageFilingDateInstant
Original text (Japanese)代表取締役社長 最高経営責任者 川島 克哉
Address of registered headquarter cover pageFilingDateInstant
Original text (Japanese)東京都中央区日本橋室町二丁目4番3号
Telephone number address of registered headquarter cover pageFilingDateInstant
Original text (Japanese)03-6880-7000(代表)
Name of contact person address of registered headquarter cover pageFilingDateInstant
Original text (Japanese)グループ財務管理部統轄次長 平山 實
Nearest place of contact cover pageFilingDateInstant
Original text (Japanese)東京都中央区日本橋室町二丁目4番3号
Telephone number nearest place of contact cover pageFilingDateInstant
Original text (Japanese)03-6880-7000(代表)
Name of contact person nearest place of contact cover pageFilingDateInstant
Original text (Japanese)グループ財務管理部統轄次長 平山 實
Place for public inspection cover page (text)FilingDateInstantText · Plus
Edinet codeFilingDateInstantE03530
Fund codeFilingDateInstant-
Security codeFilingDateInstant-
Filer name in japaneseFilingDateInstant
Original text (Japanese)株式会社SBI新生銀行
Filer name in englishFilingDateInstantSBI Shinsei Bank, Limited
Fund name in japaneseFilingDateInstant-
Fund name in englishFilingDateInstant-
Cabinet office ordinanceFilingDateInstant
Original text (Japanese)企業内容等の開示に関する内閣府令
Document typeFilingDateInstant
Original text (Japanese)第三号様式
Accounting standardsFilingDateInstantJapan GAAP
Whether consolidated financial statements are preparedFilingDateInstanttrue
Industry code when consolidated financial statements are prepared in accordance with industry specific regulationsFilingDateInstantBNK
Industry code when financial statements are prepared in accordance with industry specific regulationsFilingDateInstantBNK
Current fiscal year start dateFilingDateInstant2024-04-01
Current period end dateFilingDateInstant2025-03-31
Type of current periodFilingDateInstantFY
Current fiscal year end dateFilingDateInstant2025-03-31
Previous fiscal year start dateFilingDateInstant2023-04-01
Comparative period end dateFilingDateInstant2024-03-31
Previous fiscal year end dateFilingDateInstant2024-03-31
Next fiscal year start dateFilingDateInstant-
End date of quarterly or semi annual period of next fiscal yearFilingDateInstant-
Amendment flagFilingDateInstantfalse
Identification of document subject to amendmentFilingDateInstant-
Report amendment flagFilingDateInstantfalse
Xbrl amendment flagFilingDateInstantfalse
Business results of group (text)FilingDateInstantText · Plus
Business results of reporting company (text)FilingDateInstantText · Plus
Company history (text)FilingDateInstantText · Plus
Description of business (text)FilingDateInstantText · Plus
Overview of affiliated entities (text)FilingDateInstantText · Plus
Information about employees (text)FilingDateInstantText · Plus
Business policy business environment issues to address etc (text)FilingDateInstantText · Plus
Disclosure of sustainability related financial information (text)FilingDateInstantText · Plus
Governance (text)FilingDateInstantText · Plus
Strategy (text)FilingDateInstantText · Plus

Every row of the EDINET CSV. Item names are the XBRL element names; filed text is kept in its original Japanese. Filed text is available on Plus and Pro.

Data checks · 20 of 20 passed
balance sheet identityconsolidated 2024-03-31pass rounding
balance sheet identityconsolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2024-03-31pass rounding
balance sheet identitynon_consolidated 2025-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2025-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass