Juroku Financial Group,Inc. (TYO:7380)

TYO:7380 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	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	41,058	38,515	38,150	38,333	38,767	39,185
Interest Income on Investments	20,279	20,995	15,746	16,354	12,308	15,577
Total Interest Income	61,337	59,510	53,896	54,687	51,075	54,762
Interest Paid on Deposits	1,370	154	167	205	384	657
Interest Paid on Borrowings	6,462	6,462	2,601	112	152	2,275
Total Interest Expense	7,832	6,616	2,768	317	536	2,932
Net Interest Income	53,505	52,894	51,128	54,370	50,539	51,830
Net Interest Income Growth (YoY)	3.58%	3.45%	-5.96%	7.58%	-2.49%	3.88%
Trust Income	3	3	-	-	-	-
Gain (Loss) on Sale of Assets	-125	-88	-113	-150	-75	-88
Gain (Loss) on Sale of Investments	2,276	13,599	3,868	7,013	5,437	557
Other Non-Interest Income	61,823	55,723	54,921	55,650	54,832	50,452
Total Non-Interest Income	63,977	69,237	58,676	62,513	60,194	50,921
Non-Interest Income Growth (YoY)	-4.06%	18.00%	-6.14%	3.85%	18.21%	-0.73%
Revenues Before Loan Losses	117,482	122,131	109,804	116,883	110,733	102,751
Provision for Loan Losses	707	707	1,482	2,806	4,004	3,682
Revenue	116,775	121,424	108,322	114,077	106,729	99,069
Revenue Growth (YoY)	-0.62%	12.10%	-5.04%	6.88%	7.73%	-0.00%
Selling, General & Administrative	43,914	44,072	42,239	44,560	46,808	48,410
Other Non-Interest Expense	42,419	49,534	38,935	42,870	35,390	31,250
Total Non-Interest Expense	86,333	93,606	81,174	87,430	82,198	79,660
EBT Excluding Unusual Items	30,442	27,818	27,148	26,647	24,531	19,409
Asset Writedown	-127	-11	-150	-	-2,005	-133
Other Unusual Items	-10	-7	-3	-4	-3	-2
Pretax Income	30,305	27,800	26,995	26,643	22,523	19,274
Income Tax Expense	9,621	8,281	8,236	8,957	7,169	6,059
Earnings From Continuing Operations	20,684	19,519	18,759	17,686	15,354	13,215
Minority Interest in Earnings	-371	-201	-129	-495	-632	-353
Net Income	20,313	19,318	18,630	17,191	14,722	12,862
Net Income to Common	20,313	19,318	18,630	17,191	14,722	12,862
Net Income Growth	8.86%	3.69%	8.37%	16.77%	14.46%	20.68%
Basic Shares Outstanding	36	36	37	37	37	37
Diluted Shares Outstanding	36	36	37	37	37	37
Shares Change (YoY)	-0.50%	-1.22%	-1.46%	-0.09%	0.04%	0.04%
EPS (Basic)	560.36	530.55	505.78	460.45	393.92	344.23
EPS (Diluted)	560.36	530.55	505.44	459.61	393.25	343.70
EPS Growth	9.41%	4.97%	9.97%	16.87%	14.42%	20.63%
Dividend Per Share	90.000	160.000	120.000	-	80.000	70.000
Dividend Growth	-35.71%	33.33%	-	-	14.29%	0%
Effective Tax Rate	31.75%	29.79%	30.51%	33.62%	31.83%	31.44%

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