The Hyakugo Bank, Ltd. (HYKUF)

The Hyakugo 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	60,599	52,095	47,856	39,722	33,499	33,000
Interest Income on Investments	36,160	29,681	25,757	19,759	20,668	17,593
Total Interest Income	96,759	81,776	73,613	59,481	54,167	50,593
Interest Paid on Deposits	11,076	4,395	432	294	353	612
Interest Paid on Borrowings	10,094	10,760	8,901	6,085	2,028	2,706
Total Interest Expense	21,170	15,155	9,333	6,379	2,381	3,318
Net Interest Income	75,589	66,621	64,280	53,102	51,786	47,275
Net Interest Income Growth (YoY)	14.15%	3.64%	21.05%	2.54%	9.54%	-2.61%
Gain (Loss) on Sale of Assets	-129	-259	-122	-196	-311	-102
Gain (Loss) on Sale of Investments	-	3,479	7,016	5,546	5,441	6,460
Other Non-Interest Income	48,219	38,690	38,352	37,139	38,116	34,737
Total Non-Interest Income	48,090	41,910	45,246	42,489	43,246	41,095
Non-Interest Income Growth (YoY)	9.57%	-7.37%	6.49%	-1.75%	5.23%	24.18%
Revenues Before Loan Losses	123,679	108,531	109,526	95,591	95,032	88,370
Provision for Loan Losses	3,631	3,631	6,383	3,716	4,132	4,900
Revenue	120,048	104,900	103,143	91,875	90,900	83,470
Revenue Growth (YoY)	14.35%	1.70%	12.26%	1.07%	8.90%	5.13%
Selling, General & Administrative	44,045	41,354	42,849	41,268	42,769	44,607
Other Non-Interest Expense	48,574	38,102	40,362	30,010	29,020	20,424
Total Non-Interest Expense	92,619	79,456	83,211	71,278	71,789	65,031
EBT Excluding Unusual Items	27,429	25,444	19,932	20,597	19,111	18,439
Asset Writedown	-16	-	-50	-139	-202	-172
Other Unusual Items	-	-1	-1	-1	-1	-2
Pretax Income	27,413	25,443	19,881	20,457	18,908	18,265
Income Tax Expense	7,845	7,401	5,600	5,964	5,506	5,300
Earnings From Continuing Operations	19,568	18,042	14,281	14,493	13,402	12,965
Net Income	19,568	18,042	14,281	14,493	13,402	12,965
Net Income to Common	19,568	18,042	14,281	14,493	13,402	12,965
Net Income Growth	15.64%	26.34%	-1.46%	8.14%	3.37%	13.46%
Basic Shares Outstanding	244	248	253	254	254	254
Diluted Shares Outstanding	244	248	253	254	254	254
Shares Change (YoY)	-1.92%	-2.13%	-0.22%	-0.04%	-0.11%	0.02%
EPS (Basic)	80.15	72.87	56.45	57.15	52.82	51.05
EPS (Diluted)	80.05	72.77	56.37	57.08	52.76	50.98
EPS Growth	17.90%	29.09%	-1.24%	8.19%	3.49%	13.41%
Dividend Per Share	25.000	21.000	14.000	13.000	11.000	10.000
Dividend Growth	56.25%	50.00%	7.69%	18.18%	10.00%	11.11%
Effective Tax Rate	28.62%	29.09%	28.17%	29.15%	29.12%	29.02%

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