The Chiba Bank, Ltd. (TYO:8331)

The Chiba Bank 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	154,517	140,392	119,517	103,620	103,668	111,432
Interest Income on Investments	73,584	58,191	50,058	34,450	30,429	33,249
Total Interest Income	228,101	198,583	169,575	138,070	134,097	144,681
Interest Paid on Deposits	37,964	29,152	12,944	1,051	2,352	11,382
Interest Paid on Borrowings	44,925	36,785	20,112	8,942	10,238	12,768
Total Interest Expense	82,889	65,937	33,056	9,993	12,590	24,150
Net Interest Income	145,212	132,646	136,519	128,077	121,507	120,531
Net Interest Income Growth (YoY)	8.88%	-2.84%	6.59%	5.41%	0.81%	1.23%
Trust Income	84	93	122	115	23	8
Income From Trading Activities	860	1,438	1,995	4,153	5,989	5,447
Gain (Loss) on Sale of Assets	457	766	-172	-364	-122	-63
Gain (Loss) on Sale of Investments	14,438	12,292	9,205	2,956	6,435	4,199
Gain (Loss) on Sale of Equity Investments	462	-	-	-	-	-
Other Non-Interest Income	97,564	98,335	97,006	87,645	86,396	88,637
Total Non-Interest Income	113,865	112,924	108,156	94,505	98,721	98,228
Non-Interest Income Growth (YoY)	3.12%	4.41%	14.44%	-4.27%	0.50%	5.13%
Revenues Before Loan Losses	259,077	245,570	244,675	222,582	220,228	218,759
Provision for Loan Losses	231	7,519	4,310	9,101	11,029	12,919
Revenue	258,846	238,051	240,365	213,481	209,199	205,840
Revenue Growth (YoY)	8.74%	-0.96%	12.59%	2.05%	1.63%	-3.14%
Selling, General & Administrative	95,462	92,225	88,982	91,131	93,955	89,029
Other Non-Interest Expense	65,515	54,799	64,573	43,886	43,548	44,257
Total Non-Interest Expense	160,977	147,024	153,555	135,017	137,503	133,286
EBT Excluding Unusual Items	97,869	91,027	86,810	78,464	71,696	72,554
Asset Writedown	-350	-359	-140	-85	-208	-1,292
Other Unusual Items	-	-1	-1	-1	-27	-2,487
Pretax Income	97,519	90,667	86,669	78,378	71,461	68,775
Income Tax Expense	30,675	28,227	26,393	23,880	21,820	20,738
Earnings From Continuing Operations	66,844	62,440	60,276	54,498	49,641	48,037
Net Income	66,844	62,440	60,276	54,498	49,641	48,037
Net Income to Common	66,844	62,440	60,276	54,498	49,641	48,037
Net Income Growth	8.00%	3.59%	10.60%	9.78%	3.34%	-4.84%
Basic Shares Outstanding	715	722	730	742	743	751
Diluted Shares Outstanding	715	722	730	742	744	752
Shares Change (YoY)	-1.25%	-1.21%	-1.55%	-0.29%	-0.99%	-2.88%
EPS (Basic)	93.51	86.53	82.52	73.48	66.82	64.00
EPS (Diluted)	93.51	86.53	82.52	73.45	66.71	63.91
EPS Growth	9.37%	4.85%	12.35%	10.10%	4.38%	-2.02%
Dividend Per Share	35.000	32.000	28.000	24.000	20.000	18.000
Dividend Growth	16.67%	14.29%	16.67%	20.00%	11.11%	12.50%
Effective Tax Rate	31.46%	31.13%	30.45%	30.47%	30.53%	30.15%

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