Hachijuni Nagano Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	83,977	73,075	65,042	49,872	41,928	43,301
Interest Income on Investments	77,874	75,887	59,719	40,958	30,875	34,496
Total Interest Income	161,851	148,962	124,761	90,830	72,803	77,797
Interest Paid on Deposits	14,444	9,739	4,647	2,844	602	940
Interest Paid on Borrowings	34,972	34,972	32,367	15,264	3,716	5,923
Total Interest Expense	49,416	44,711	37,014	18,108	4,318	6,863
Net Interest Income	112,435	104,251	87,747	72,722	68,485	70,934
Net Interest Income Growth (YoY)	16.23%	18.81%	20.66%	6.19%	-3.45%	2.80%
Trust Income	11	11	12	10	7	2
Income From Trading Activities	388	270	300	961	2,063	3,360
Gain (Loss) on Sale of Assets	865	1,318	-129	1,524	311	-35
Gain (Loss) on Sale of Investments	-337	-3,837	-1,162	-2,647	-2,419	-459
Other Non-Interest Income	110,260	104,950	87,126	110,427	76,476	72,810
Total Non-Interest Income	111,187	102,712	86,147	110,275	76,438	75,678
Non-Interest Income Growth (YoY)	32.97%	19.23%	-21.88%	44.27%	1.00%	-4.58%
Revenues Before Loan Losses	223,622	206,963	173,894	182,997	144,923	146,612
Provision for Loan Losses	1,120	1,120	1,130	4,243	1,800	8,882
Revenue	222,502	205,843	172,764	178,754	143,123	137,730
Revenue Growth (YoY)	23.52%	19.15%	-3.35%	24.89%	3.92%	-6.38%
Selling, General & Administrative	74,280	72,578	66,251	56,631	54,038	59,021
Other Non-Interest Expense	68,290	68,110	71,426	85,706	50,729	46,597
Total Non-Interest Expense	142,570	140,688	137,677	142,337	104,767	105,618
EBT Excluding Unusual Items	79,932	65,155	35,087	36,417	38,356	32,112
Asset Writedown	-504	-521	-1,646	-1,669	-302	-266
Other Unusual Items	229	229	17,388	-1	-1	-32
Pretax Income	79,657	64,863	50,829	34,747	38,053	31,814
Income Tax Expense	21,297	16,764	13,791	10,533	11,204	9,290
Earnings From Continuing Operations	58,360	48,099	37,038	24,214	26,849	22,524
Minority Interest in Earnings	-130	-117	33	-79	-182	-140
Net Income	58,230	47,982	37,071	24,135	26,667	22,384
Net Income to Common	58,230	47,982	37,071	24,135	26,667	22,384
Net Income Growth	93.45%	29.43%	53.60%	-9.50%	19.13%	1.39%
Basic Shares Outstanding	464	474	485	484	490	489
Diluted Shares Outstanding	464	474	486	484	490	490
Shares Change (YoY)	-3.85%	-2.37%	0.31%	-1.23%	0.04%	-0.69%
EPS (Basic)	125.57	101.23	76.37	49.90	54.46	45.73
EPS (Diluted)	125.49	101.16	76.31	49.83	54.39	45.67
EPS Growth	101.21%	32.56%	53.14%	-8.38%	19.09%	2.10%
Dividend Per Share	49.000	42.000	24.000	20.000	16.000	14.000
Dividend Growth	81.48%	75.00%	20.00%	25.00%	14.29%	-
Effective Tax Rate	26.74%	25.85%	27.13%	30.31%	29.44%	29.20%

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