Yokohama Financial Group, Inc. (FRA:YC3)

Yokohama 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	244,485	205,562	186,972	157,647	141,504	139,737
Interest Income on Investments	69,348	68,635	53,868	39,414	30,619	24,974
Total Interest Income	313,833	274,197	240,840	197,061	172,123	164,711
Interest Paid on Deposits	45,737	31,338	19,699	10,831	2,161	2,495
Interest Paid on Borrowings	34,831	34,831	34,430	18,416	3,248	3,659
Total Interest Expense	80,568	66,169	54,129	29,247	5,409	6,154
Net Interest Income	233,265	208,028	186,711	167,814	166,714	158,557
Net Interest Income Growth (YoY)	20.86%	11.42%	11.26%	0.66%	5.15%	1.81%
Trust Income	270	242	278	266	252	245
Income From Trading Activities	570	705	678	1,302	3,214	2,782
Gain (Loss) on Sale of Assets	-1,102	-1,208	-845	-1,299	-3,417	-3,211
Gain (Loss) on Sale of Investments	5,887	7,157	2,149	3,759	5,022	8,824
Other Non-Interest Income	126,492	116,802	114,339	110,580	106,364	115,167
Total Non-Interest Income	132,117	123,698	116,599	114,608	111,435	123,807
Non-Interest Income Growth (YoY)	11.61%	6.09%	1.74%	2.85%	-9.99%	-5.69%
Revenues Before Loan Losses	365,382	331,726	303,310	282,422	278,149	282,364
Provision for Loan Losses	8,738	10,782	11,830	15,436	9,779	31,599
Revenue	356,644	320,944	291,480	266,986	268,370	250,765
Revenue Growth (YoY)	18.64%	10.11%	9.17%	-0.52%	7.02%	-3.62%
Selling, General & Administrative	142,468	134,127	133,552	125,540	131,131	136,888
Other Non-Interest Expense	77,189	65,263	81,771	62,877	58,400	75,684
Total Non-Interest Expense	219,657	199,390	215,323	188,417	189,531	212,572
EBT Excluding Unusual Items	136,987	121,554	76,157	78,569	78,839	38,193
Asset Writedown	-1,923	-2,054	-188	-193	-255	-1,872
Other Unusual Items	-582	-583	15,421	2,155	-1	-7
Pretax Income	134,482	118,917	91,390	80,531	78,583	36,314
Income Tax Expense	40,160	35,847	24,208	24,327	24,238	10,303
Earnings From Continuing Operations	94,322	83,070	67,182	56,204	54,345	26,011
Minority Interest in Earnings	-796	-265	-251	-45	-464	-685
Net Income	93,526	82,805	66,931	56,159	53,881	25,326
Net Income to Common	93,526	82,805	66,931	56,159	53,881	25,326
Net Income Growth	27.42%	23.72%	19.18%	4.23%	112.75%	-45.58%
Basic Shares Outstanding	1,144	1,156	1,171	1,185	1,206	1,206
Diluted Shares Outstanding	1,144	1,156	1,171	1,185	1,206	1,207
Shares Change (YoY)	-1.87%	-1.28%	-1.19%	-1.75%	-0.04%	-0.51%
EPS (Basic)	81.75	71.64	57.16	47.40	44.68	20.99
EPS (Diluted)	81.75	71.64	57.16	47.39	44.67	20.99
EPS Growth	29.85%	25.33%	20.62%	6.09%	112.82%	-45.30%
Dividend Per Share	16.000	29.000	23.000	19.000	18.000	16.000
Dividend Growth	-36.00%	26.09%	21.05%	5.56%	12.50%	-
Effective Tax Rate	29.86%	30.14%	26.49%	30.21%	30.84%	28.37%

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