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	Jun 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	60,625	58,574	50,281	44,544	45,183	47,179
Interest Income on Investments	40,765	38,466	35,735	37,329	31,684	30,654
Total Interest Income	101,390	97,040	86,016	81,873	76,867	77,833
Interest Paid on Deposits	15,048	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	19,472	17,106	7,400	2,824	4,347	8,757
Net Interest Income	81,918	79,934	78,616	79,049	72,520	69,076
Net Interest Income Growth (YoY)	4.20%	1.68%	-0.55%	9.00%	4.99%	2.08%
Trust Income	216	233	226	11	12	137
Gain (Loss) on Sale of Assets	584	476	-325	-469	-722	-414
Gain (Loss) on Sale of Investments	3,141	5,254	2,828	1,032	1,462	1,322
Other Non-Interest Income	39,034	35,026	35,123	44,020	29,118	32,641
Total Non-Interest Income	42,975	40,989	37,852	44,594	29,870	33,686
Non-Interest Income Growth (YoY)	13.53%	8.29%	-15.12%	49.29%	-11.33%	-38.62%
Revenues Before Loan Losses	124,893	120,923	116,468	123,643	102,390	102,762
Provision for Loan Losses	-	-	2,259	10,858	8,180	1,119
Revenue	124,893	120,923	114,209	112,785	94,210	101,643
Revenue Growth (YoY)	9.35%	5.88%	1.26%	19.72%	-7.31%	-15.81%
Selling, General & Administrative	58,862	58,064	56,159	55,750	56,905	58,363
Other Non-Interest Expense	19,004	18,810	20,199	28,330	14,263	14,464
Total Non-Interest Expense	77,866	76,874	76,358	84,080	71,168	72,827
EBT Excluding Unusual Items	47,027	44,049	37,851	28,705	23,042	28,816
Asset Writedown	-24	-73	-76	-266	-	-131
Other Unusual Items	-	-1	-	-1	-	-
Pretax Income	47,003	43,975	37,775	28,438	23,042	28,685
Income Tax Expense	13,347	12,337	10,416	7,657	6,072	8,212
Earnings From Continuing Operations	33,656	31,638	27,359	20,781	16,970	20,473
Minority Interest in Earnings	-41	-66	-146	-160	-110	-90
Net Income	33,615	31,572	27,213	20,621	16,860	20,383
Net Income to Common	33,615	31,572	27,213	20,621	16,860	20,383
Net Income Growth	23.53%	16.02%	31.97%	22.31%	-17.28%	-35.66%
Basic Shares Outstanding	295	296	300	302	302	302
Diluted Shares Outstanding	295	297	300	303	303	303
Shares Change (YoY)	-1.69%	-1.25%	-0.78%	-0.03%	0.03%	0.01%
EPS (Basic)	113.94	106.55	90.70	68.21	55.76	67.45
EPS (Diluted)	113.87	106.47	90.63	68.14	55.70	67.35
EPS Growth	25.64%	17.48%	33.01%	22.34%	-17.31%	-35.67%
Dividend Per Share	40.000	40.000	35.000	23.750	15.000	15.000
Dividend Growth	14.29%	14.29%	47.37%	58.33%	0%	0%
Effective Tax Rate	28.40%	28.05%	27.57%	26.93%	26.35%	28.63%

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