The Chiba Bank, Ltd. (TYO:8331)

The Chiba Bank Income Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	201,525	159,106	140,392	119,517	103,620
Interest Income on Investments	103,930	79,774	58,191	50,058	34,450
Total Interest Income	305,455	238,880	198,583	169,575	138,070
Interest Paid on Deposits	61,315	41,455	29,152	12,944	1,051
Interest Paid on Borrowings	49,381	44,808	36,785	20,112	8,942
Total Interest Expense	110,696	86,263	65,937	33,056	9,993
Net Interest Income	194,759	152,617	132,646	136,519	128,077
Net Interest Income Growth (YoY)	27.61%	15.06%	-2.84%	6.59%	5.41%
Trust Income	81	84	93	122	115
Income From Trading Activities	591	1,122	1,438	1,995	4,153
Gain (Loss) on Sale of Assets	-170	-450	766	-172	-364
Gain (Loss) on Sale of Investments	27,000	21,180	12,292	9,205	2,956
Gain (Loss) on Sale of Equity Investments	623	-	-	-	-
Other Non-Interest Income	111,247	100,893	98,335	97,006	87,645
Total Non-Interest Income	139,372	122,829	112,924	108,156	94,505
Non-Interest Income Growth (YoY)	13.47%	8.77%	4.41%	14.45%	-4.27%
Revenues Before Loan Losses	334,131	275,446	245,570	244,675	222,582
Provision for Loan Losses	4,618	11,636	7,519	4,310	9,101
Revenue	329,513	263,810	238,051	240,365	213,481
Revenue Growth (YoY)	24.91%	10.82%	-0.96%	12.59%	2.05%
Selling, General & Administrative	104,888	96,761	92,225	88,982	91,131
Other Non-Interest Expense	85,981	59,992	54,799	64,573	43,886
Total Non-Interest Expense	190,869	156,753	147,024	153,555	135,017
EBT Excluding Unusual Items	138,644	107,057	91,027	86,810	78,464
Asset Writedown	-2,534	-232	-359	-140	-85
Other Unusual Items	-	-	-1	-1	-1
Pretax Income	136,110	106,825	90,667	86,669	78,378
Income Tax Expense	42,047	32,566	28,227	26,393	23,880
Net Income	94,063	74,259	62,440	60,276	54,498
Net Income to Common	94,063	74,259	62,440	60,276	54,498
Net Income Growth	26.67%	18.93%	3.59%	10.60%	9.78%
Basic Shares Outstanding	703	713	722	730	742
Diluted Shares Outstanding	703	713	722	730	742
Shares Change (YoY)	-1.34%	-1.22%	-1.21%	-1.55%	-0.29%
EPS (Basic)	133.75	104.18	86.53	82.52	73.48
EPS (Diluted)	133.75	104.18	86.53	82.52	73.45
EPS Growth	28.39%	20.39%	4.85%	12.35%	10.10%
Dividend Per Share	52.000	40.000	32.000	28.000	24.000
Dividend Growth	30.00%	25.00%	14.29%	16.67%	20.00%
Effective Tax Rate	30.89%	30.48%	31.13%	30.45%	30.47%

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