The Gunma Bank, Ltd. (FRA:5F0)

The Gunma 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	92,399	80,382	68,896	58,602	53,283	54,024
Interest Income on Investments	57,727	52,023	36,911	28,474	20,586	15,766
Total Interest Income	150,126	132,405	105,807	87,076	73,869	69,790
Interest Paid on Deposits	17,668	12,895	5,313	2,771	469	676
Interest Paid on Borrowings	37,379	37,379	34,466	12,849	1,399	1,854
Total Interest Expense	55,047	50,274	39,779	15,620	1,868	2,530
Net Interest Income	95,079	82,131	66,028	71,456	72,001	67,260
Net Interest Income Growth (YoY)	36.24%	24.39%	-7.60%	-0.76%	7.05%	-0.47%
Trust Income	12	22	37	36	52	53
Gain (Loss) on Sale of Assets	-703	-321	-18	994	2,055	-266
Gain (Loss) on Sale of Investments	16,880	22,625	32,059	28,578	10,933	9,479
Other Non-Interest Income	70,235	65,383	62,453	60,899	61,642	61,061
Total Non-Interest Income	86,424	87,709	94,531	90,507	74,682	70,327
Non-Interest Income Growth (YoY)	-4.54%	-7.22%	4.45%	21.19%	6.19%	5.00%
Revenues Before Loan Losses	181,503	169,840	160,559	161,963	146,683	137,587
Provision for Loan Losses	2,719	2,719	770	909	7,505	21,888
Revenue	178,784	167,121	159,789	161,054	139,178	115,699
Revenue Growth (YoY)	12.05%	4.59%	-0.78%	15.72%	20.29%	-11.60%
Selling, General & Administrative	53,591	51,897	51,547	51,549	55,503	57,461
Other Non-Interest Expense	55,531	53,515	64,473	70,194	42,509	38,422
Total Non-Interest Expense	109,122	105,412	116,020	121,743	98,012	95,883
EBT Excluding Unusual Items	69,662	61,709	43,769	39,311	41,166	19,816
Asset Writedown	-158	-318	-787	-409	-1,382	-282
Other Unusual Items	-1	-1	-1	-1	-1	274
Pretax Income	69,503	61,390	42,981	38,901	39,783	19,808
Income Tax Expense	20,666	17,490	11,856	10,968	13,347	6,307
Earnings From Continuing Operations	48,837	43,900	31,125	27,933	26,436	13,501
Net Income	48,837	43,900	31,125	27,933	26,436	13,501
Net Income to Common	48,837	43,900	31,125	27,933	26,436	13,501
Net Income Growth	24.64%	41.04%	11.43%	5.66%	95.81%	-39.40%
Basic Shares Outstanding	382	386	397	410	417	420
Diluted Shares Outstanding	382	386	397	410	417	420
Shares Change (YoY)	-2.34%	-2.81%	-3.12%	-1.87%	-0.64%	-0.63%
EPS (Basic)	127.81	113.82	78.43	68.19	63.33	32.14
EPS (Diluted)	127.81	113.82	78.43	68.19	63.33	32.14
EPS Growth	27.62%	45.12%	15.02%	7.67%	97.06%	-39.02%
Dividend Per Share	55.000	45.000	22.000	17.000	14.000	13.000
Dividend Growth	71.88%	104.55%	29.41%	21.43%	7.69%	-
Effective Tax Rate	29.73%	28.49%	27.58%	28.19%	33.55%	31.84%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.