Kyoto Financial Group,Inc. (TYO: 5844)

Kyoto 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	62,971	58,574	50,281	44,544	45,183	47,179
Interest Income on Investments	41,613	38,466	35,735	37,329	31,684	30,654
Total Interest Income	104,584	97,040	86,016	81,873	76,867	77,833
Interest Paid on Deposits	17,199	12,682	6,035	1,182	1,754	4,947
Interest Paid on Borrowings	4,424	4,424	1,365	1,642	2,593	3,810
Total Interest Expense	21,623	17,106	7,400	2,824	4,347	8,757
Net Interest Income	82,961	79,934	78,616	79,049	72,520	69,076
Net Interest Income Growth (YoY)	6.96%	1.68%	-0.55%	9.00%	4.99%	2.08%
Trust Income	170	233	226	11	12	137
Gain (Loss) on Sale of Assets	438	476	-325	-469	-722	-414
Gain (Loss) on Sale of Investments	5,495	5,254	2,828	1,032	1,462	1,322
Other Non-Interest Income	40,130	35,026	35,123	44,020	29,118	32,641
Total Non-Interest Income	46,233	40,989	37,852	44,594	29,870	33,686
Non-Interest Income Growth (YoY)	22.71%	8.29%	-15.12%	49.29%	-11.33%	-38.62%
Revenues Before Loan Losses	129,194	120,923	116,468	123,643	102,390	102,762
Provision for Loan Losses	-	-	2,259	10,858	8,180	1,119
Revenue	129,194	120,923	114,209	112,785	94,210	101,643
Revenue Growth (YoY)	13.64%	5.88%	1.26%	19.72%	-7.31%	-15.81%
Selling, General & Administrative	60,216	58,064	56,159	55,750	56,905	58,363
Other Non-Interest Expense	22,110	18,810	20,199	28,330	14,263	14,464
Total Non-Interest Expense	82,326	76,874	76,358	84,080	71,168	72,827
EBT Excluding Unusual Items	46,868	44,049	37,851	28,705	23,042	28,816
Asset Writedown	-24	-73	-76	-266	-	-131
Other Unusual Items	-	-1	-	-1	-	-
Pretax Income	46,844	43,975	37,775	28,438	23,042	28,685
Income Tax Expense	13,232	12,337	10,416	7,657	6,072	8,212
Earnings From Continuing Operations	33,612	31,638	27,359	20,781	16,970	20,473
Minority Interest in Earnings	-10	-66	-146	-160	-110	-90
Net Income	33,602	31,572	27,213	20,621	16,860	20,383
Net Income to Common	33,602	31,572	27,213	20,621	16,860	20,383
Net Income Growth	10.28%	16.02%	31.97%	22.31%	-17.28%	-35.66%
Basic Shares Outstanding	294	296	300	302	302	302
Diluted Shares Outstanding	294	297	300	303	303	303
Shares Change (YoY)	-1.57%	-1.25%	-0.78%	-0.03%	0.03%	0.01%
EPS (Basic)	114.41	106.55	90.70	68.21	55.76	67.45
EPS (Diluted)	114.33	106.47	90.63	68.14	55.70	67.35
EPS Growth	12.03%	17.48%	33.01%	22.34%	-17.31%	-35.67%
Dividend Per Share	20.000	40.000	35.000	23.750	15.000	15.000
Dividend Growth	-50.00%	14.29%	47.37%	58.33%	0%	0%
Effective Tax Rate	28.25%	28.05%	27.57%	26.93%	26.35%	28.63%

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