The Chikuho Bank, Ltd. (FKSE:8398)

The Chikuho 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	7,013	6,658	6,629	6,748	6,833
Interest Income on Investments	2,489	2,071	2,087	1,907	2,375
Total Interest Income	9,502	8,729	8,716	8,655	9,208
Interest Paid on Deposits	489	95	107	59	73
Interest Paid on Borrowings	37	32	27	30	30
Total Interest Expense	526	127	134	89	103
Net Interest Income	8,976	8,602	8,582	8,566	9,105
Net Interest Income Growth (YoY)	4.35%	0.23%	0.19%	-5.92%	9.29%
Gain (Loss) on Sale of Assets	-67	-9	-12	-	-1
Gain (Loss) on Sale of Investments	-	481	106	271	220
Other Non-Interest Income	9,671	8,773	8,402	8,202	8,159
Total Non-Interest Income	9,604	9,245	8,496	8,473	8,378
Non-Interest Income Growth (YoY)	3.88%	8.82%	0.27%	1.13%	-6.18%
Revenues Before Loan Losses	18,580	17,847	17,078	17,039	17,483
Provision for Loan Losses	567	757	710	797	616
Revenue	18,013	17,090	16,368	16,242	16,867
Revenue Growth (YoY)	5.40%	4.41%	0.78%	-3.71%	1.29%
Selling, General & Administrative	8,726	8,570	8,304	8,294	8,270
Other Non-Interest Expense	8,204	7,348	7,062	6,874	6,856
Total Non-Interest Expense	16,930	15,918	15,366	15,168	15,126
EBT Excluding Unusual Items	1,083	1,172	1,002	1,074	1,741
Other Unusual Items	-	-	-	13	74
Pretax Income	1,083	1,172	1,002	1,087	1,815
Income Tax Expense	76	80	331	408	542
Earnings From Continuing Operations	1,007	1,092	671	679	1,273
Minority Interest in Earnings	-27	-36	-68	-116	-104
Net Income	980	1,056	603	563	1,169
Net Income to Common	980	1,056	603	563	1,169
Net Income Growth	-7.20%	75.12%	7.11%	-51.84%	46.13%
Basic Shares Outstanding	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6
Shares Change (YoY)	0.05%	0.15%	0.23%	-1.27%	-1.13%
EPS (Basic)	161.13	173.71	99.34	92.97	191.64
EPS (Diluted)	161.13	173.71	99.34	92.97	190.63
EPS Growth	-7.25%	74.87%	6.86%	-51.23%	47.83%
Dividend Per Share	-	50.000	50.000	50.000	50.000
Effective Tax Rate	7.02%	6.83%	33.03%	37.53%	29.86%

Updated Feb 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.