Chugin Financial Group,Inc. (TYO: 5832)

Chugin Financial Group,Inc. 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	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	97,481	86,984	61,834	45,267	45,940	50,639
Interest Income on Investments	40,216	37,136	31,323	21,144	19,508	25,792
Total Interest Income	137,697	124,120	93,157	66,411	65,448	76,431
Interest Paid on Deposits	20,276	11,665	4,249	686	873	2,600
Interest Paid on Borrowings	50,178	50,178	23,885	4,570	6,031	15,867
Total Interest Expense	70,454	61,843	28,134	5,256	6,904	18,467
Net Interest Income	67,243	62,277	65,023	61,155	58,544	57,964
Net Interest Income Growth (YoY)	8.05%	-4.22%	6.32%	4.46%	1.00%	-7.15%
Trust Income	1	-	-	-	-	1
Gain (Loss) on Sale of Assets	-152	-168	-34	111	-92	-31
Gain (Loss) on Sale of Investments	-1,646	-	-532	-1	-149	-2,403
Other Non-Interest Income	64,334	60,541	90,429	62,154	51,528	50,886
Total Non-Interest Income	62,537	60,373	89,863	62,264	51,287	48,453
Non-Interest Income Growth (YoY)	-13.78%	-32.82%	44.33%	21.40%	5.85%	-0.94%
Revenues Before Loan Losses	129,780	122,650	154,886	123,419	109,831	106,417
Provision for Loan Losses	5,068	8,942	5,717	8,179	8,767	6,153
Revenue	124,712	113,708	149,169	115,240	101,064	100,264
Revenue Growth (YoY)	-3.12%	-23.77%	29.44%	14.03%	0.80%	-6.22%
Selling, General & Administrative	58,285	57,850	55,662	56,109	57,285	58,212
Other Non-Interest Expense	29,443	24,836	63,949	33,217	22,620	24,620
Total Non-Interest Expense	87,728	82,686	119,611	89,326	79,905	82,832
EBT Excluding Unusual Items	36,984	31,022	29,558	25,914	21,159	17,432
Asset Writedown	-106	-122	-55	-505	-249	-608
Other Unusual Items	-1	-1	-1	-1	-1	-1
Pretax Income	36,877	30,899	29,502	25,408	20,909	16,823
Income Tax Expense	11,305	9,510	9,025	7,034	6,491	4,907
Earnings From Continuing Operations	25,572	21,389	20,477	18,374	14,418	11,916
Net Income	25,572	21,389	20,477	18,374	14,418	11,916
Net Income to Common	25,572	21,389	20,477	18,374	14,418	11,916
Net Income Growth	32.26%	4.45%	11.45%	27.44%	21.00%	-26.44%
Basic Shares Outstanding	181	183	185	187	188	188
Diluted Shares Outstanding	182	183	185	187	188	188
Shares Change (YoY)	-1.56%	-1.00%	-1.13%	-0.71%	-0.01%	-0.56%
EPS (Basic)	141.05	117.06	110.96	98.43	76.67	63.35
EPS (Diluted)	140.88	116.90	110.80	98.30	76.58	63.29
EPS Growth	34.36%	5.51%	12.72%	28.36%	21.00%	-26.02%
Dividend Per Share	47.000	47.000	16.000	28.000	22.000	22.000
Dividend Growth	193.75%	193.75%	-42.86%	27.27%	0%	0%
Effective Tax Rate	30.66%	30.78%	30.59%	27.68%	31.04%	29.17%

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