The Chiba Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	213,242	201,527	159,106	140,392	119,517	103,620
Interest Income on Investments	132,255	103,930	79,774	58,191	50,058	34,450
Total Interest Income	345,497	305,457	238,880	198,583	169,575	138,070
Interest Paid on Deposits	65,366	61,318	41,455	29,152	12,944	1,051
Interest Paid on Borrowings	48,642	49,381	44,808	36,785	20,112	8,942
Total Interest Expense	114,008	110,699	86,263	65,937	33,056	9,993
Net Interest Income	231,489	194,758	152,617	132,646	136,519	128,077
Net Interest Income Growth	45.72%	27.61%	15.06%	-2.84%	6.59%	5.41%
Trust Income	87	81	84	93	122	115
Income From Trading Activities	642	591	1,122	1,438	1,995	4,153
Gain (Loss) on Sale of Assets	-115	-170	-450	766	-172	-364
Gain (Loss) on Sale of Investments	27,000	28,205	21,180	12,292	9,205	2,956
Gain (Loss) on Sale of Equity Investments	623	-	-	-	-	-
Other Non-Interest Income	113,730	110,203	100,893	98,335	97,006	87,645
Total Non-Interest Income	141,967	138,910	122,829	112,924	108,156	94,505
Non-Interest Income Growth	13.91%	13.09%	8.77%	4.41%	14.45%	-4.27%
Revenues Before Loan Losses	373,456	333,668	275,446	245,570	244,675	222,582
Provision for Loan Losses	4,618	11,740	11,636	7,519	4,310	9,101
Revenue	368,838	321,928	263,810	238,051	240,365	213,481
Revenue Growth	31.17%	22.03%	10.82%	-0.96%	12.59%	2.05%
Selling, General & Administrative	106,444	104,888	96,761	92,225	88,982	91,131
Other Non-Interest Expense	112,950	78,396	59,992	54,799	64,573	43,886
Total Non-Interest Expense	219,394	183,284	156,753	147,024	153,555	135,017
EBT Excluding Unusual Items	149,444	138,644	107,057	91,027	86,810	78,464
Asset Writedown	-2,493	-2,534	-232	-359	-140	-85
Other Unusual Items	-	-	-	-1	-1	-1
Pretax Income	146,951	136,110	106,825	90,667	86,669	78,378
Income Tax Expense	44,766	42,047	32,566	28,227	26,393	23,880
Net Income	102,185	94,063	74,259	62,440	60,276	54,498
Net Income to Common	102,185	94,063	74,259	62,440	60,276	54,498
Net Income Growth	34.44%	26.67%	18.93%	3.59%	10.60%	9.78%
Basic Shares Outstanding	700	703	713	722	730	742
Diluted Shares Outstanding	700	703	713	722	730	742
Shares Change	-1.57%	-1.34%	-1.22%	-1.21%	-1.55%	-0.29%
EPS (Basic)	146.05	133.75	104.18	86.53	82.52	73.48
EPS (Diluted)	146.05	133.75	104.18	86.53	82.52	73.45
EPS Growth	36.59%	28.39%	20.39%	4.85%	12.35%	10.10%
Dividend Per Share	52.000	52.000	40.000	32.000	28.000	24.000
Dividend Growth	30.00%	30.00%	25.00%	14.29%	16.67%	20.00%
Effective Tax Rate	30.46%	30.89%	30.48%	31.13%	30.45%	30.47%