Daishi Hokuetsu Financial Group, Inc. (TYO: 7327)

Daishi Hokuetsu Financial Group 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	53,160	49,445	46,977	45,545	45,944	47,167
Interest Income on Investments	54,851	49,561	33,083	17,139	17,692	20,771
Total Interest Income	108,011	99,006	80,060	62,684	63,636	67,938
Interest Paid on Deposits	5,158	572	450	471	758	1,042
Interest Paid on Borrowings	34,166	34,166	11,690	1,816	2,362	4,897
Total Interest Expense	39,324	34,738	12,140	2,287	3,120	5,939
Net Interest Income	68,687	64,268	67,920	60,397	60,516	61,999
Net Interest Income Growth (YoY)	10.56%	-5.38%	12.46%	-0.20%	-2.39%	18.06%
Trust Income	143	146	117	53	1	1
Gain (Loss) on Sale of Assets	-62	-302	651	-119	-293	166
Gain (Loss) on Sale of Investments	1,616	2,503	535	3,668	9,769	6,677
Other Non-Interest Income	72,185	76,177	64,805	64,408	63,762	71,351
Total Non-Interest Income	73,882	78,524	66,108	68,010	73,239	78,195
Non-Interest Income Growth (YoY)	-1.04%	18.78%	-2.80%	-7.14%	-6.34%	54.34%
Revenues Before Loan Losses	142,569	142,792	134,028	128,407	133,755	140,194
Provision for Loan Losses	6,471	6,368	4,824	5,356	4,729	6,865
Revenue	136,098	136,424	129,204	123,051	129,026	133,329
Revenue Growth (YoY)	3.03%	5.59%	5.00%	-4.63%	-3.23%	29.34%
Selling, General & Administrative	62,774	63,338	62,556	65,070	71,960	69,863
Other Non-Interest Expense	39,794	42,521	40,950	34,556	39,860	43,891
Total Non-Interest Expense	102,568	105,859	103,506	99,626	111,820	113,754
EBT Excluding Unusual Items	33,530	30,565	25,698	23,425	17,206	19,575
Asset Writedown	-985	-1,039	-749	-74	-521	-33
Other Unusual Items	-1,226	231	-	-11	1,035	-1
Pretax Income	31,319	29,757	24,949	23,340	17,720	19,541
Income Tax Expense	9,274	8,553	7,066	7,811	6,279	5,996
Earnings From Continuing Operations	22,045	21,204	17,883	15,529	11,441	13,545
Minority Interest in Earnings	-1	-1	-115	-385	-646	-670
Net Income	22,044	21,203	17,768	15,144	10,795	12,875
Net Income to Common	22,044	21,203	17,768	15,144	10,795	12,875
Net Income Growth	14.76%	19.33%	17.33%	40.29%	-16.16%	-77.35%
Basic Shares Outstanding	66	89	91	91	91	91
Diluted Shares Outstanding	66	89	91	91	92	92
Shares Change (YoY)	-26.57%	-1.51%	-0.71%	-0.57%	0.19%	15.14%
EPS (Basic)	332.67	237.36	195.90	166.19	118.14	141.08
EPS (Diluted)	332.67	237.36	195.90	165.79	117.50	140.41
EPS Growth	56.30%	21.17%	18.16%	41.10%	-16.31%	-80.33%
Dividend Per Share	35.000	67.500	60.000	60.000	60.000	60.000
Dividend Growth	-44.00%	12.50%	0%	0%	0%	100.00%
Effective Tax Rate	29.61%	28.74%	28.32%	33.47%	35.43%	30.68%

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