Yamaguchi Financial Group, Inc. (FRA:5FW)

Yamaguchi Financial Group 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	116,445	113,743	106,397	86,339	67,601	69,206
Interest Income on Investments	37,927	35,415	26,305	18,520	24,638	38,226
Total Interest Income	154,372	149,158	132,702	104,859	92,239	107,432
Interest Paid on Deposits	21,387	12,697	4,971	3,596	1,595	2,275
Interest Paid on Borrowings	28,343	22,434	27,604	13,592	3,869	3,570
Total Interest Expense	49,730	35,131	32,575	17,188	5,464	5,845
Net Interest Income	104,642	114,027	100,127	87,671	86,775	101,587
Net Interest Income Growth (YoY)	-10.19%	13.88%	14.21%	1.03%	-14.58%	15.24%
Income From Trading Activities	689	482	998	1,094	1,752	1,924
Gain (Loss) on Sale of Assets	2,433	22	260	168	-89	733
Gain (Loss) on Sale of Investments	-	11,944	4,490	6,753	-3,801	18,127
Other Non-Interest Income	65,276	50,665	45,186	41,702	49,301	54,605
Total Non-Interest Income	68,398	63,113	50,934	49,717	47,163	75,389
Non-Interest Income Growth (YoY)	21.47%	23.91%	2.45%	5.42%	-37.44%	5.13%
Revenues Before Loan Losses	173,040	177,140	151,061	137,388	133,938	176,976
Provision for Loan Losses	1,298	1,298	4,408	6,243	22,047	8,964
Revenue	171,742	175,842	146,653	131,145	111,891	168,012
Revenue Growth (YoY)	3.64%	19.90%	11.82%	17.21%	-33.40%	13.44%
Selling, General & Administrative	65,687	64,285	63,328	61,155	60,562	64,540
Other Non-Interest Expense	49,124	59,100	45,784	44,125	59,054	65,774
Total Non-Interest Expense	114,811	123,385	109,112	105,280	119,616	130,314
EBT Excluding Unusual Items	56,931	52,457	37,541	25,865	-7,725	37,698
Asset Writedown	-431	-560	-343	-592	-5,631	-381
Other Unusual Items	11	302	11	1,412	7,852	-523
Pretax Income	56,511	52,199	37,209	26,685	-5,504	36,794
Income Tax Expense	15,631	16,656	11,861	8,641	7,372	11,785
Earnings From Continuing Operations	40,880	35,543	25,348	18,044	-12,876	25,009
Minority Interest in Earnings	-180	-198	-132	-150	-129	-52
Net Income	40,700	35,345	25,216	17,894	-13,005	24,957
Net Income to Common	40,700	35,345	25,216	17,894	-13,005	24,957
Net Income Growth	46.31%	40.17%	40.92%	-	-	-1.71%
Basic Shares Outstanding	212	214	221	231	244	250
Diluted Shares Outstanding	212	214	221	231	244	251
Shares Change (YoY)	-2.53%	-3.10%	-4.48%	-5.27%	-2.61%	-8.79%
EPS (Basic)	192.31	165.17	114.18	77.41	-53.28	99.63
EPS (Diluted)	192.29	165.15	114.17	77.39	-53.28	99.59
EPS Growth	50.11%	44.65%	47.53%	-	-	6.11%
Dividend Per Share	62.000	60.000	43.000	31.000	28.000	26.000
Dividend Growth	19.23%	39.53%	38.71%	10.71%	7.69%	8.33%
Effective Tax Rate	27.66%	31.91%	31.88%	32.38%	-	32.03%

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