The Chikuho Bank, Ltd. (FKSE: 8398)

The Chikuho Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	6,724	6,658	6,629	6,748	6,833	6,652
Interest Income on Investments	2,091	2,071	2,087	1,907	2,375	1,819
Total Interest Income	8,815	8,729	8,716	8,655	9,208	8,471
Interest Paid on Deposits	157	95	107	59	73	111
Interest Paid on Borrowings	32	32	27	30	30	29
Total Interest Expense	189	127	134	89	103	140
Net Interest Income	8,626	8,602	8,582	8,566	9,105	8,331
Net Interest Income Growth (YoY)	0.70%	0.23%	0.19%	-5.92%	9.29%	-3.32%
Gain (Loss) on Sale of Assets	-56	-9	-12	-	-1	120
Gain (Loss) on Sale of Investments	350	481	106	271	220	-280
Other Non-Interest Income	8,998	8,773	8,402	8,202	8,159	9,090
Total Non-Interest Income	9,292	9,245	8,496	8,473	8,378	8,930
Non-Interest Income Growth (YoY)	7.50%	8.82%	0.27%	1.13%	-6.18%	4.35%
Revenues Before Loan Losses	17,918	17,847	17,078	17,039	17,483	17,261
Provision for Loan Losses	718	757	710	797	616	608
Revenue	17,200	17,090	16,368	16,242	16,867	16,653
Revenue Growth (YoY)	4.46%	4.41%	0.78%	-3.71%	1.29%	1.75%
Selling, General & Administrative	8,658	8,570	8,304	8,294	8,270	8,481
Other Non-Interest Expense	7,721	7,348	7,062	6,874	6,856	6,779
Total Non-Interest Expense	16,379	15,918	15,366	15,168	15,126	15,260
EBT Excluding Unusual Items	821	1,172	1,002	1,074	1,741	1,393
Asset Writedown	-	-	-	-	-	-120
Other Unusual Items	-	-	-	13	74	-1
Pretax Income	821	1,172	1,002	1,087	1,815	1,272
Income Tax Expense	-47	80	331	408	542	341
Earnings From Continuing Operations	868	1,092	671	679	1,273	931
Minority Interest in Earnings	-40	-36	-68	-116	-104	-131
Net Income	828	1,056	603	563	1,169	800
Net Income to Common	828	1,056	603	563	1,169	800
Net Income Growth	44.50%	75.12%	7.10%	-51.84%	46.12%	-4.19%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	0.06%	0.15%	0.23%	-1.27%	-1.13%	0.34%
EPS (Basic)	136.16	173.71	99.34	92.97	191.64	130.78
EPS (Diluted)	136.16	173.71	99.34	92.97	190.63	128.95
EPS Growth	44.41%	74.87%	6.86%	-51.23%	47.83%	-4.56%
Dividend Per Share	25.000	50.000	50.000	50.000	50.000	50.000
Dividend Growth	-50.00%	0%	0%	0%	0%	0%
Effective Tax Rate	-	6.83%	33.03%	37.53%	29.86%	26.81%

Source: S&P Capital IQ. Banks template. Financial Sources.