The Gunma Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	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	101,777	80,382	68,896	58,602	53,283
Interest Income on Investments	63,799	52,023	36,911	28,474	20,586
Total Interest Income	165,576	132,405	105,807	87,076	73,869
Interest Paid on Deposits	26,202	12,895	5,313	2,771	469
Interest Paid on Borrowings	34,111	37,379	34,466	12,849	1,399
Total Interest Expense	60,313	50,274	39,779	15,620	1,868
Net Interest Income	105,263	82,131	66,028	71,456	72,001
Net Interest Income Growth (YoY)	28.17%	24.39%	-7.60%	-0.76%	7.05%
Trust Income	30	22	37	36	52
Gain (Loss) on Sale of Assets	-687	-321	-18	994	2,055
Gain (Loss) on Sale of Investments	-5,335	22,625	32,059	28,578	10,933
Other Non-Interest Income	98,902	65,383	62,453	60,899	61,642
Total Non-Interest Income	92,910	87,709	94,531	90,507	74,682
Non-Interest Income Growth (YoY)	5.93%	-7.22%	4.45%	21.19%	6.19%
Revenues Before Loan Losses	198,173	169,840	160,559	161,963	146,683
Provision for Loan Losses	2,142	2,719	770	909	7,505
Revenue	196,031	167,121	159,789	161,054	139,178
Revenue Growth (YoY)	17.30%	4.59%	-0.78%	15.72%	20.29%
Selling, General & Administrative	57,183	51,897	51,547	51,549	55,503
Other Non-Interest Expense	54,651	53,515	64,473	70,194	42,509
Total Non-Interest Expense	111,834	105,412	116,020	121,743	98,012
EBT Excluding Unusual Items	84,197	61,709	43,769	39,311	41,166
Asset Writedown	-341	-318	-787	-409	-1,382
Other Unusual Items	-	-1	-1	-1	-1
Pretax Income	83,856	61,390	42,981	38,901	39,783
Income Tax Expense	24,993	17,490	11,856	10,968	13,347
Earnings From Continuing Operations	58,863	43,900	31,125	27,933	26,436
Net Income	58,863	43,900	31,125	27,933	26,436
Net Income to Common	58,863	43,900	31,125	27,933	26,436
Net Income Growth	34.08%	41.04%	11.43%	5.66%	95.81%
Basic Shares Outstanding	380	386	397	410	417
Diluted Shares Outstanding	380	386	397	410	417
Shares Change (YoY)	-1.46%	-2.81%	-3.12%	-1.87%	-0.64%
EPS (Basic)	154.87	113.82	78.43	68.19	63.33
EPS (Diluted)	154.87	113.82	78.43	68.19	63.33
EPS Growth	36.06%	45.12%	15.02%	7.67%	97.06%
Dividend Per Share	62.000	45.000	22.000	17.000	14.000
Dividend Growth	37.78%	104.55%	29.41%	21.43%	7.69%
Effective Tax Rate	29.80%	28.49%	27.58%	28.19%	33.55%

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