The Minami-Nippon Bank,Ltd. (FKSE:8554)

FKSE:8554 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	11,792	11,314	11,163	11,403	11,834	12,043
Interest Income on Investments	1,688	1,658	1,436	1,437	1,615	1,567
Total Interest Income	13,480	12,972	12,599	12,840	13,449	13,610
Interest Paid on Deposits	1,161	527	75	78	98	171
Interest Paid on Borrowings	49	49	41	40	32	28
Total Interest Expense	1,210	576	116	118	130	199
Net Interest Income	12,270	12,396	12,483	12,722	13,319	13,411
Net Interest Income Growth (YoY)	-1.54%	-0.70%	-1.88%	-4.48%	-0.69%	-0.42%
Trust Income	-	-	8	-	1	-
Gain (Loss) on Sale of Assets	21	17	-29	-10	-56	7
Gain (Loss) on Sale of Investments	382	1,494	-62	60	-50	-54
Other Non-Interest Income	2,169	1,887	1,870	1,628	1,942	2,103
Total Non-Interest Income	2,572	3,398	1,787	1,678	1,837	2,056
Non-Interest Income Growth (YoY)	-10.01%	90.15%	6.50%	-8.65%	-10.65%	-15.81%
Revenues Before Loan Losses	14,842	15,794	14,270	14,400	15,156	15,467
Provision for Loan Losses	675	971	570	742	-	856
Revenue	14,167	14,823	13,700	13,658	15,156	14,611
Revenue Growth (YoY)	-2.56%	8.20%	0.31%	-9.88%	3.73%	-2.31%
Selling, General & Administrative	9,540	9,400	9,626	9,602	10,059	10,136
Other Non-Interest Expense	2,462	2,657	2,068	2,184	2,262	2,696
Total Non-Interest Expense	12,002	12,057	11,694	11,786	12,321	12,832
EBT Excluding Unusual Items	2,165	2,766	2,006	1,872	2,835	1,779
Asset Writedown	-21	-28	-	-9	-74	-63
Other Unusual Items	-	-	-	-	-83	715
Pretax Income	2,144	2,738	2,006	1,863	2,678	2,431
Income Tax Expense	15	550	393	331	466	726
Earnings From Continuing Operations	2,129	2,188	1,613	1,532	2,212	1,705
Minority Interest in Earnings	-	-	-	-	-	-1
Net Income	2,129	2,188	1,613	1,532	2,212	1,704
Preferred Dividends & Other Adjustments	148	148	148	239	255	179
Net Income to Common	1,981	2,040	1,465	1,293	1,957	1,525
Net Income Growth	7.42%	35.65%	5.29%	-30.74%	29.81%	164.19%
Basic Shares Outstanding	8	8	8	8	8	8
Diluted Shares Outstanding	17	18	19	21	32	19
Shares Change (YoY)	-0.95%	-4.36%	-10.20%	-33.77%	69.33%	-0.01%
EPS (Basic)	255.21	260.67	183.81	160.72	243.23	189.54
EPS (Diluted)	122.68	121.52	85.68	73.08	69.89	91.17
EPS Growth	8.45%	41.83%	17.24%	4.57%	-23.34%	164.20%
Dividend Per Share	35.000	35.000	25.000	25.000	25.000	25.000
Dividend Growth	40.00%	40.00%	-	-	-	-
Effective Tax Rate	0.70%	20.09%	19.59%	17.77%	17.40%	29.86%

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