The Chiba Bank, Ltd. (TYO:8331)

The Chiba Bank 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	182,930	159,106	140,392	119,517	103,620	103,668
Interest Income on Investments	88,174	79,774	58,191	50,058	34,450	30,429
Total Interest Income	271,104	238,880	198,583	169,575	138,070	134,097
Interest Paid on Deposits	56,141	41,455	29,152	12,944	1,051	2,352
Interest Paid on Borrowings	44,808	44,808	36,785	20,112	8,942	10,238
Total Interest Expense	100,949	86,263	65,937	33,056	9,993	12,590
Net Interest Income	170,155	152,617	132,646	136,519	128,077	121,507
Net Interest Income Growth (YoY)	20.55%	15.06%	-2.84%	6.59%	5.41%	0.81%
Trust Income	88	84	93	122	115	23
Income From Trading Activities	894	1,122	1,438	1,995	4,153	5,989
Gain (Loss) on Sale of Assets	-516	-450	766	-172	-364	-122
Gain (Loss) on Sale of Investments	11,232	21,180	12,292	9,205	2,956	6,435
Other Non-Interest Income	116,527	100,893	98,335	97,006	87,645	86,396
Total Non-Interest Income	128,225	122,829	112,924	108,156	94,505	98,721
Non-Interest Income Growth (YoY)	10.21%	8.77%	4.41%	14.45%	-4.27%	0.50%
Revenues Before Loan Losses	298,380	275,446	245,570	244,675	222,582	220,228
Provision for Loan Losses	5,607	11,636	7,519	4,310	9,101	11,029
Revenue	292,773	263,810	238,051	240,365	213,481	209,199
Revenue Growth (YoY)	19.18%	10.82%	-0.96%	12.59%	2.05%	1.63%
Selling, General & Administrative	100,898	96,761	92,225	88,982	91,131	93,955
Other Non-Interest Expense	74,822	59,992	54,799	64,573	43,886	43,548
Total Non-Interest Expense	175,720	156,753	147,024	153,555	135,017	137,503
EBT Excluding Unusual Items	117,053	107,057	91,027	86,810	78,464	71,696
Asset Writedown	-232	-232	-359	-140	-85	-208
Other Unusual Items	-1,494	-	-1	-1	-1	-27
Pretax Income	115,327	106,825	90,667	86,669	78,378	71,461
Income Tax Expense	34,618	32,566	28,227	26,393	23,880	21,820
Net Income	80,709	74,259	62,440	60,276	54,498	49,641
Net Income to Common	80,709	74,259	62,440	60,276	54,498	49,641
Net Income Growth	23.36%	18.93%	3.59%	10.60%	9.78%	3.34%
Basic Shares Outstanding	709	713	722	730	742	743
Diluted Shares Outstanding	709	713	722	730	742	744
Shares Change (YoY)	-1.14%	-1.22%	-1.21%	-1.55%	-0.29%	-0.99%
EPS (Basic)	113.86	104.18	86.53	82.52	73.48	66.82
EPS (Diluted)	113.86	104.18	86.53	82.52	73.45	66.71
EPS Growth	24.78%	20.39%	4.85%	12.35%	10.10%	4.38%
Dividend Per Share	22.000	40.000	32.000	28.000	24.000	20.000
Dividend Growth	-37.14%	25.00%	14.29%	16.67%	20.00%	11.11%
Effective Tax Rate	30.02%	30.48%	31.13%	30.45%	30.47%	30.53%

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