Chugin Financial Group,Inc. (TYO:5832)

TYO:5832 Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	103,203	86,984	61,834	45,267	45,940
Interest Income on Investments	46,840	37,136	31,323	21,144	19,508
Total Interest Income	150,043	124,120	93,157	66,411	65,448
Interest Paid on Deposits	18,240	11,665	4,249	686	873
Interest Paid on Borrowings	56,437	50,178	23,885	4,570	6,031
Total Interest Expense	74,677	61,843	28,134	5,256	6,904
Net Interest Income	75,366	62,277	65,023	61,155	58,544
Net Interest Income Growth (YoY)	21.02%	-4.22%	6.33%	4.46%	1.00%
Trust Income	9	-	-	-	-
Gain (Loss) on Sale of Assets	74	-168	-34	111	-92
Gain (Loss) on Sale of Investments	-	-	-532	-1	-149
Other Non-Interest Income	61,678	60,541	90,429	62,154	51,528
Total Non-Interest Income	61,761	60,373	89,863	62,264	51,287
Non-Interest Income Growth (YoY)	2.30%	-32.82%	44.33%	21.40%	5.85%
Revenues Before Loan Losses	137,127	122,650	154,886	123,419	109,831
Provision for Loan Losses	14,034	8,942	5,717	8,179	8,767
Revenue	123,093	113,708	149,169	115,240	101,064
Revenue Growth (YoY)	8.25%	-23.77%	29.44%	14.03%	0.80%
Selling, General & Administrative	59,526	57,850	55,662	56,109	57,285
Other Non-Interest Expense	25,184	24,836	63,949	33,217	22,620
Total Non-Interest Expense	84,710	82,686	119,611	89,326	79,905
EBT Excluding Unusual Items	38,383	31,022	29,558	25,914	21,159
Asset Writedown	-100	-122	-55	-505	-249
Other Unusual Items	-	-1	-1	-1	-1
Pretax Income	38,283	30,899	29,502	25,408	20,909
Income Tax Expense	10,849	9,510	9,025	7,034	6,491
Earnings From Continuing Operations	27,434	21,389	20,477	18,374	14,418
Net Income	27,434	21,389	20,477	18,374	14,418
Net Income to Common	27,434	21,389	20,477	18,374	14,418
Net Income Growth	28.26%	4.45%	11.45%	27.44%	21.00%
Basic Shares Outstanding	180	183	185	187	188
Diluted Shares Outstanding	180	183	185	187	188
Shares Change (YoY)	-1.65%	-1.00%	-1.13%	-0.71%	-0.01%
EPS (Basic)	152.62	117.06	110.96	98.43	76.67
EPS (Diluted)	152.46	116.90	110.80	98.30	76.58
EPS Growth	30.42%	5.50%	12.72%	28.36%	21.00%
Dividend Per Share	62.000	47.000	16.000	28.000	22.000
Dividend Growth	31.91%	193.75%	-42.86%	27.27%	-
Effective Tax Rate	28.34%	30.78%	30.59%	27.68%	31.04%

Updated Feb 4, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.