Chugin Financial Group,Inc. (TYO:5832)

TYO:5832 Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	99,657	86,984	61,834	45,267	45,940	50,639
Interest Income on Investments	46,782	37,136	31,323	21,144	19,508	25,792
Total Interest Income	146,439	124,120	93,157	66,411	65,448	76,431
Interest Paid on Deposits	16,238	11,665	4,249	686	873	2,600
Interest Paid on Borrowings	58,703	50,178	23,885	4,570	6,031	15,867
Total Interest Expense	74,941	61,843	28,134	5,256	6,904	18,467
Net Interest Income	71,498	62,277	65,023	61,155	58,544	57,964
Net Interest Income Growth (YoY)	16.83%	-4.22%	6.32%	4.46%	1.00%	-7.15%
Trust Income	1	-	-	-	-	1
Gain (Loss) on Sale of Assets	-143	-168	-34	111	-92	-31
Gain (Loss) on Sale of Investments	-	-	-532	-1	-149	-2,403
Other Non-Interest Income	62,197	60,541	90,429	62,154	51,528	50,886
Total Non-Interest Income	62,055	60,373	89,863	62,264	51,287	48,453
Non-Interest Income Growth (YoY)	-4.40%	-32.82%	44.33%	21.40%	5.85%	-0.94%
Revenues Before Loan Losses	133,553	122,650	154,886	123,419	109,831	106,417
Provision for Loan Losses	8,942	8,942	5,717	8,179	8,767	6,153
Revenue	124,611	113,708	149,169	115,240	101,064	100,264
Revenue Growth (YoY)	5.41%	-23.77%	29.44%	14.03%	0.80%	-6.22%
Selling, General & Administrative	59,231	57,850	55,662	56,109	57,285	58,212
Other Non-Interest Expense	31,443	24,836	63,949	33,217	22,620	24,620
Total Non-Interest Expense	90,674	82,686	119,611	89,326	79,905	82,832
EBT Excluding Unusual Items	33,937	31,022	29,558	25,914	21,159	17,432
Asset Writedown	-101	-122	-55	-505	-249	-608
Other Unusual Items	-1	-1	-1	-1	-1	-1
Pretax Income	33,835	30,899	29,502	25,408	20,909	16,823
Income Tax Expense	10,436	9,510	9,025	7,034	6,491	4,907
Earnings From Continuing Operations	23,399	21,389	20,477	18,374	14,418	11,916
Net Income	23,399	21,389	20,477	18,374	14,418	11,916
Net Income to Common	23,399	21,389	20,477	18,374	14,418	11,916
Net Income Growth	11.46%	4.45%	11.45%	27.44%	21.00%	-26.44%
Basic Shares Outstanding	179	183	185	187	188	188
Diluted Shares Outstanding	179	183	185	187	188	188
Shares Change (YoY)	-2.45%	-1.00%	-1.13%	-0.71%	-0.01%	-0.56%
EPS (Basic)	129.62	117.06	110.96	98.43	76.67	63.35
EPS (Diluted)	129.49	116.90	110.80	98.30	76.58	63.29
EPS Growth	13.14%	5.51%	12.72%	28.36%	21.00%	-26.02%
Dividend Per Share	58.500	47.000	16.000	28.000	22.000	22.000
Dividend Growth	244.12%	193.75%	-42.86%	27.27%	0%	0%
Effective Tax Rate	-	30.78%	30.59%	27.68%	31.04%	29.17%

Source: S&P Capital IQ. Banks template. Financial Sources.