Juroku Financial Group,Inc. (TYO:7380)

TYO:7380 Income Statement

Financials in millions JPY. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	49,167	41,990	38,515	38,150	38,333	38,767
Interest Income on Investments	21,510	21,867	20,995	15,746	16,354	12,308
Total Interest Income	70,677	63,857	59,510	53,896	54,687	51,075
Interest Paid on Deposits	7,686	3,596	154	167	205	384
Interest Paid on Borrowings	5,849	5,849	6,462	2,601	112	152
Total Interest Expense	13,535	9,445	6,616	2,768	317	536
Net Interest Income	57,142	54,412	52,894	51,128	54,370	50,539
Net Interest Income Growth (YoY)	6.12%	2.87%	3.45%	-5.96%	7.58%	-2.49%
Trust Income	1	2	3	-	-	-
Gain (Loss) on Sale of Assets	-69	-114	-88	-113	-150	-75
Gain (Loss) on Sale of Investments	21,643	16,599	13,599	3,868	7,013	5,437
Other Non-Interest Income	56,412	55,843	55,723	54,921	55,650	54,832
Total Non-Interest Income	77,987	72,330	69,237	58,676	62,513	60,194
Non-Interest Income Growth (YoY)	13.06%	4.47%	18.00%	-6.14%	3.85%	18.21%
Revenues Before Loan Losses	135,129	126,742	122,131	109,804	116,883	110,733
Provision for Loan Losses	-442	1,739	707	1,482	2,806	4,004
Revenue	135,571	125,003	121,424	108,322	114,077	106,729
Revenue Growth (YoY)	13.04%	2.95%	12.10%	-5.04%	6.88%	7.73%
Selling, General & Administrative	45,808	44,127	44,072	42,239	44,560	46,808
Other Non-Interest Expense	57,712	49,752	49,534	38,935	42,870	35,390
Total Non-Interest Expense	103,520	93,879	93,606	81,174	87,430	82,198
EBT Excluding Unusual Items	32,051	31,124	27,818	27,148	26,647	24,531
Asset Writedown	-3,071	-2,417	-11	-150	-	-2,005
Other Unusual Items	1,917	1,916	-7	-3	-4	-3
Pretax Income	30,897	30,623	27,800	26,995	26,643	22,523
Income Tax Expense	8,684	9,479	8,281	8,236	8,957	7,169
Earnings From Continuing Operations	22,213	21,144	19,519	18,759	17,686	15,354
Minority Interest in Earnings	-359	-304	-201	-129	-495	-632
Net Income	21,854	20,840	19,318	18,630	17,191	14,722
Net Income to Common	21,854	20,840	19,318	18,630	17,191	14,722
Net Income Growth	8.20%	7.88%	3.69%	8.37%	16.77%	14.46%
Basic Shares Outstanding	36	36	36	37	37	37
Diluted Shares Outstanding	36	36	36	37	37	37
Shares Change (YoY)	-1.41%	-0.86%	-1.21%	-1.46%	-0.09%	0.04%
EPS (Basic)	608.91	577.30	530.55	505.78	460.45	393.92
EPS (Diluted)	608.91	577.30	530.55	505.44	459.61	393.25
EPS Growth	9.74%	8.81%	4.97%	9.97%	16.88%	14.42%
Dividend Per Share	280.000	180.000	160.000	120.000	-	80.000
Dividend Growth	211.11%	12.50%	33.33%	-	-	14.29%
Effective Tax Rate	28.11%	30.95%	29.79%	30.51%	33.62%	31.83%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.