The Chikuho Bank, Ltd. (FKSE:8398)

The Chikuho Bank Income Statement

Financials in millions JPY. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	7,806	7,013	6,658	6,629	6,748	6,833
Interest Income on Investments	2,762	2,489	2,071	2,087	1,907	2,375
Total Interest Income	10,568	9,502	8,729	8,716	8,655	9,208
Interest Paid on Deposits	1,135	489	95	107	59	73
Interest Paid on Borrowings	37	37	32	27	30	30
Total Interest Expense	1,172	526	127	134	89	103
Net Interest Income	9,396	8,976	8,602	8,582	8,566	9,105
Net Interest Income Growth (YoY)	8.93%	4.35%	0.23%	0.19%	-5.92%	9.29%
Gain (Loss) on Sale of Assets	-14	-67	-9	-12	-	-1
Gain (Loss) on Sale of Investments	617	653	481	106	271	220
Other Non-Interest Income	9,679	8,924	8,773	8,402	8,202	8,159
Total Non-Interest Income	10,282	9,510	9,245	8,496	8,473	8,378
Non-Interest Income Growth (YoY)	10.74%	2.87%	8.82%	0.27%	1.13%	-6.18%
Revenues Before Loan Losses	19,678	18,486	17,847	17,078	17,039	17,483
Provision for Loan Losses	484	693	757	710	797	616
Revenue	19,194	17,793	17,090	16,368	16,242	16,867
Revenue Growth (YoY)	13.01%	4.11%	4.41%	0.78%	-3.71%	1.29%
Selling, General & Administrative	8,885	8,726	8,570	8,304	8,294	8,270
Other Non-Interest Expense	9,038	7,984	7,348	7,062	6,874	6,856
Total Non-Interest Expense	17,923	16,710	15,918	15,366	15,168	15,126
EBT Excluding Unusual Items	1,271	1,083	1,172	1,002	1,074	1,741
Other Unusual Items	-	-	-	-	13	74
Pretax Income	1,271	1,083	1,172	1,002	1,087	1,815
Income Tax Expense	187	76	80	331	408	542
Earnings From Continuing Operations	1,084	1,007	1,092	671	679	1,273
Minority Interest in Earnings	-21	-27	-36	-68	-116	-104
Net Income	1,063	980	1,056	603	563	1,169
Net Income to Common	1,063	980	1,056	603	563	1,169
Net Income Growth	28.38%	-7.20%	75.12%	7.11%	-51.84%	46.13%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	-0.29%	0.05%	0.15%	0.23%	-1.27%	-1.13%
EPS (Basic)	175.33	161.13	173.71	99.34	92.97	191.64
EPS (Diluted)	175.33	161.13	173.71	99.34	92.97	190.63
EPS Growth	28.75%	-7.24%	74.87%	6.86%	-51.23%	47.83%
Dividend Per Share	25.000	50.000	50.000	50.000	50.000	50.000
Effective Tax Rate	14.71%	7.02%	6.83%	33.03%	37.53%	29.86%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.