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	Jun 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	144,472	140,392	119,517	103,620	103,668	111,432
Interest Income on Investments	64,722	58,191	50,058	34,450	30,429	33,249
Total Interest Income	209,194	198,583	169,575	138,070	134,097	144,681
Interest Paid on Deposits	31,350	29,152	12,944	1,051	2,352	11,382
Interest Paid on Borrowings	40,030	36,785	20,112	8,942	10,238	12,768
Total Interest Expense	71,380	65,937	33,056	9,993	12,590	24,150
Net Interest Income	137,814	132,646	136,519	128,077	121,507	120,531
Net Interest Income Growth (YoY)	3.50%	-2.84%	6.59%	5.41%	0.81%	1.23%
Trust Income	83	93	122	115	23	8
Income From Trading Activities	1,274	1,438	1,995	4,153	5,989	5,447
Gain (Loss) on Sale of Assets	678	766	-172	-364	-122	-63
Gain (Loss) on Sale of Investments	9,351	12,292	9,205	2,956	6,435	4,199
Gain (Loss) on Sale of Equity Investments	462	-	-	-	-	-
Other Non-Interest Income	102,582	98,335	97,006	87,645	86,396	88,637
Total Non-Interest Income	114,430	112,924	108,156	94,505	98,721	98,228
Non-Interest Income Growth (YoY)	3.26%	4.41%	14.44%	-4.27%	0.50%	5.13%
Revenues Before Loan Losses	252,244	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	252,013	238,051	240,365	213,481	209,199	205,840
Revenue Growth (YoY)	5.32%	-0.96%	12.59%	2.05%	1.63%	-3.14%
Selling, General & Administrative	93,008	92,225	88,982	91,131	93,955	89,029
Other Non-Interest Expense	65,272	54,799	64,573	43,886	43,548	44,257
Total Non-Interest Expense	158,280	147,024	153,555	135,017	137,503	133,286
EBT Excluding Unusual Items	93,733	91,027	86,810	78,464	71,696	72,554
Asset Writedown	-359	-359	-140	-85	-208	-1,292
Other Unusual Items	-	-1	-1	-1	-27	-2,487
Pretax Income	93,374	90,667	86,669	78,378	71,461	68,775
Income Tax Expense	29,311	28,227	26,393	23,880	21,820	20,738
Earnings From Continuing Operations	64,063	62,440	60,276	54,498	49,641	48,037
Net Income	64,063	62,440	60,276	54,498	49,641	48,037
Net Income to Common	64,063	62,440	60,276	54,498	49,641	48,037
Net Income Growth	3.69%	3.59%	10.60%	9.78%	3.34%	-4.84%
Basic Shares Outstanding	719	722	730	742	743	751
Diluted Shares Outstanding	719	722	730	742	744	752
Shares Change (YoY)	-1.09%	-1.21%	-1.55%	-0.29%	-0.99%	-2.88%
EPS (Basic)	89.06	86.53	82.52	73.48	66.82	64.00
EPS (Diluted)	89.06	86.53	82.52	73.45	66.71	63.91
EPS Growth	4.83%	4.85%	12.35%	10.10%	4.38%	-2.02%
Dividend Per Share	32.000	32.000	28.000	24.000	20.000	18.000
Dividend Growth	14.29%	14.29%	16.67%	20.00%	11.11%	12.50%
Effective Tax Rate	31.39%	31.13%	30.45%	30.47%	30.53%	30.15%

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