The Chiba Bank, Ltd. (CHBAY)

The Chiba 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	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	189,893	159,106	140,392	119,517	103,620	103,668
Interest Income on Investments	96,114	79,774	58,191	50,058	34,450	30,429
Total Interest Income	286,007	238,880	198,583	169,575	138,070	134,097
Interest Paid on Deposits	56,373	41,455	29,152	12,944	1,051	2,352
Interest Paid on Borrowings	48,209	44,808	36,785	20,112	8,942	10,238
Total Interest Expense	104,582	86,263	65,937	33,056	9,993	12,590
Net Interest Income	181,425	152,617	132,646	136,519	128,077	121,507
Net Interest Income Growth (YoY)	24.94%	15.06%	-2.84%	6.59%	5.41%	0.81%
Trust Income	83	84	93	122	115	23
Income From Trading Activities	956	1,122	1,438	1,995	4,153	5,989
Gain (Loss) on Sale of Assets	-217	-450	766	-172	-364	-122
Gain (Loss) on Sale of Investments	18,130	21,180	12,292	9,205	2,956	6,435
Gain (Loss) on Sale of Equity Investments	436	-	-	-	-	-
Other Non-Interest Income	117,603	100,893	98,335	97,006	87,645	86,396
Total Non-Interest Income	136,991	122,829	112,924	108,156	94,505	98,721
Non-Interest Income Growth (YoY)	20.31%	8.77%	4.41%	14.45%	-4.27%	0.50%
Revenues Before Loan Losses	318,416	275,446	245,570	244,675	222,582	220,228
Provision for Loan Losses	2,293	11,636	7,519	4,310	9,101	11,029
Revenue	316,123	263,810	238,051	240,365	213,481	209,199
Revenue Growth (YoY)	22.13%	10.82%	-0.96%	12.59%	2.05%	1.63%
Selling, General & Administrative	103,413	96,761	92,225	88,982	91,131	93,955
Other Non-Interest Expense	85,430	59,992	54,799	64,573	43,886	43,548
Total Non-Interest Expense	188,843	156,753	147,024	153,555	135,017	137,503
EBT Excluding Unusual Items	127,280	107,057	91,027	86,810	78,464	71,696
Asset Writedown	-1,704	-232	-359	-140	-85	-208
Other Unusual Items	-	-	-1	-1	-1	-27
Pretax Income	125,576	106,825	90,667	86,669	78,378	71,461
Income Tax Expense	37,045	32,566	28,227	26,393	23,880	21,820
Net Income	88,531	74,259	62,440	60,276	54,498	49,641
Net Income to Common	88,531	74,259	62,440	60,276	54,498	49,641
Net Income Growth	32.44%	18.93%	3.59%	10.60%	9.78%	3.34%
Basic Shares Outstanding	706	713	722	730	742	743
Diluted Shares Outstanding	706	713	722	730	742	744
Shares Change (YoY)	-1.28%	-1.22%	-1.21%	-1.55%	-0.29%	-0.99%
EPS (Basic)	125.46	104.18	86.53	82.52	73.48	66.82
EPS (Diluted)	125.46	104.18	86.53	82.52	73.45	66.71
EPS Growth	34.16%	20.39%	4.85%	12.35%	10.10%	4.38%
Dividend Per Share	46.000	40.000	32.000	28.000	24.000	20.000
Dividend Growth	31.43%	25.00%	14.29%	16.67%	20.00%	11.11%
Effective Tax Rate	29.50%	30.48%	31.13%	30.45%	30.47%	30.53%

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