The Musashino 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	49,943	39,962	36,826	34,827	33,234
Interest Income on Investments	15,400	12,225	10,106	7,742	6,480
Total Interest Income	65,343	52,187	46,932	42,569	39,714
Interest Paid on Deposits	10,324	3,437	616	424	441
Interest Paid on Borrowings	3,411	3,757	4,005	2,689	612
Total Interest Expense	13,735	7,194	4,621	3,113	1,053
Net Interest Income	51,608	44,993	42,311	39,456	38,661
Net Interest Income Growth (YoY)	14.70%	6.34%	7.24%	2.06%	1.46%
Trust Income	13	14	25	63	68
Gain (Loss) on Sale of Assets	-7	-7	-29	-52	-25
Gain (Loss) on Sale of Investments	-	1,319	1,091	592	416
Other Non-Interest Income	40,328	30,139	32,522	38,237	30,384
Total Non-Interest Income	40,334	31,465	33,609	38,840	30,843
Non-Interest Income Growth (YoY)	28.19%	-6.38%	-13.47%	25.93%	-0.77%
Revenues Before Loan Losses	91,942	76,458	75,920	78,296	69,504
Provision for Loan Losses	4,601	1,753	671	1,152	2,564
Revenue	87,341	74,705	75,249	77,144	66,940
Revenue Growth (YoY)	16.91%	-0.72%	-2.46%	15.24%	3.14%
Selling, General & Administrative	38,096	35,779	36,278	35,886	34,845
Other Non-Interest Expense	26,447	20,835	22,740	25,677	18,630
Total Non-Interest Expense	64,543	56,614	59,018	61,563	53,475
EBT Excluding Unusual Items	22,798	18,091	16,231	15,581	13,465
Asset Writedown	-	-11	-	-34	-45
Pretax Income	22,798	18,080	16,231	15,547	13,420
Income Tax Expense	7,376	4,926	4,962	4,679	4,417
Earnings From Continuing Operations	15,422	13,154	11,269	10,868	9,003
Minority Interest in Earnings	-10	-8	-5	-3	-2
Net Income	15,412	13,146	11,264	10,865	9,001
Net Income to Common	15,412	13,146	11,264	10,865	9,001
Net Income Growth	17.24%	16.71%	3.67%	20.71%	12.20%
Basic Shares Outstanding	33	99	99	100	100
Diluted Shares Outstanding	33	99	99	100	101
Shares Change (YoY)	-66.69%	-0.24%	-0.95%	-0.06%	0.01%
EPS (Basic)	466.22	132.47	113.23	108.21	89.59
EPS (Diluted)	466.20	132.46	113.22	108.16	89.56
EPS Growth	251.95%	17.00%	4.67%	20.78%	12.20%
Dividend Per Share	-	41.667	35.000	31.667	26.667
Dividend Growth	-	19.05%	10.53%	18.75%	-
Effective Tax Rate	32.35%	27.25%	30.57%	30.10%	32.91%

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