Nishi-Nippon Financial Holdings, Inc. (TYO: 7189)

Nishi-Nippon Financial Holdings 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	86,462	83,947	81,273	81,111	82,197	82,711
Interest Income on Investments	35,502	32,364	24,869	17,117	11,893	15,913
Total Interest Income	121,964	116,311	106,142	98,228	94,090	98,624
Interest Paid on Deposits	1,898	577	454	445	701	1,024
Interest Paid on Borrowings	22,788	24,726	11,947	410	1,363	6,325
Total Interest Expense	24,686	25,303	12,401	855	2,064	7,349
Net Interest Income	97,278	91,008	93,741	97,373	92,026	91,275
Net Interest Income Growth (YoY)	9.38%	-2.92%	-3.73%	5.81%	0.82%	-5.66%
Income From Trading Activities	769	1,036	1,369	1,919	1,842	1,382
Gain (Loss) on Sale of Assets	-313	-311	-336	-248	-35	1,478
Gain (Loss) on Sale of Investments	15,448	15,448	2,353	-910	2,059	2,210
Other Non-Interest Income	51,007	52,800	50,584	36,889	36,958	37,747
Total Non-Interest Income	66,911	68,973	53,970	37,650	40,824	42,817
Non-Interest Income Growth (YoY)	-0.10%	27.80%	43.35%	-7.77%	-4.65%	5.32%
Revenues Before Loan Losses	164,189	159,981	147,711	135,023	132,850	134,092
Provision for Loan Losses	6,534	6,534	3,362	4,369	8,207	6,063
Revenue	157,655	153,447	144,349	130,654	124,643	128,029
Revenue Growth (YoY)	3.82%	6.30%	10.48%	4.82%	-2.64%	-3.13%
Selling, General & Administrative	83,325	83,468	80,634	79,173	81,272	82,308
Other Non-Interest Expense	37,732	34,681	30,375	13,862	16,645	15,527
Total Non-Interest Expense	121,057	118,149	111,009	93,035	97,917	97,835
EBT Excluding Unusual Items	36,598	35,298	33,340	37,619	26,726	30,194
Asset Writedown	-429	-434	-66	-465	-818	-1,046
Other Unusual Items	-16	-10	836	-1	-11	-1
Pretax Income	36,153	34,854	34,110	37,153	25,897	29,147
Income Tax Expense	11,026	10,648	7,678	12,342	7,272	8,771
Earnings From Continuing Operations	25,127	24,206	26,432	24,811	18,625	20,376
Minority Interest in Earnings	-538	-630	-368	-575	-537	-154
Net Income	24,589	23,576	26,064	24,236	18,088	20,222
Net Income to Common	24,589	23,576	26,064	24,236	18,088	20,222
Net Income Growth	-12.09%	-9.55%	7.54%	33.99%	-10.55%	-11.69%
Basic Shares Outstanding	140	141	144	148	149	152
Diluted Shares Outstanding	140	141	144	148	149	152
Shares Change (YoY)	-1.31%	-1.72%	-2.68%	-1.30%	-1.47%	-1.45%
EPS (Basic)	175.04	167.11	181.57	164.31	121.03	133.32
EPS (Diluted)	175.04	167.11	181.57	164.31	121.03	133.32
EPS Growth	-11.04%	-7.96%	10.50%	35.76%	-9.22%	-10.40%
Dividend Per Share	60.000	55.000	45.000	35.000	30.000	30.000
Dividend Growth	14.29%	22.22%	28.57%	16.67%	0%	0%
Effective Tax Rate	-	30.55%	22.51%	33.22%	28.08%	30.09%

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