The Chiba Kogyo Bank, Ltd. (TYO:8337)

The Chiba Kogyo Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	24,406	22,872	21,966	22,065	21,784
Interest Income on Investments	6,523	4,958	4,995	6,229	5,421
Total Interest Income	30,929	27,830	26,961	28,294	27,205
Interest Paid on Deposits	2,002	160	146	273	264
Interest Paid on Borrowings	460	595	268	94	177
Total Interest Expense	2,462	755	414	367	441
Net Interest Income	28,467	27,075	26,547	27,927	26,764
Net Interest Income Growth (YoY)	5.14%	1.99%	-4.94%	4.35%	-4.16%
Gain (Loss) on Sale of Assets	-14	-90	-146	-109	-23
Gain (Loss) on Sale of Investments	-	-	-93	-52	-146
Other Non-Interest Income	25,981	26,754	24,342	22,954	22,781
Total Non-Interest Income	25,967	26,664	24,103	22,793	22,612
Non-Interest Income Growth (YoY)	-2.61%	10.63%	5.75%	0.80%	8.66%
Revenues Before Loan Losses	54,434	53,739	50,650	50,720	49,376
Provision for Loan Losses	-	1,515	598	1,969	2,192
Revenue	54,434	52,224	50,052	48,751	47,184
Revenue Growth (YoY)	4.23%	4.34%	2.67%	3.32%	-1.07%
Selling, General & Administrative	24,972	25,145	24,413	25,353	25,743
Other Non-Interest Expense	18,796	16,920	16,114	14,503	14,241
Total Non-Interest Expense	43,768	42,065	40,527	39,856	39,984
EBT Excluding Unusual Items	10,666	10,159	9,525	8,895	7,200
Asset Writedown	-	-722	-261	-732	-105
Other Unusual Items	-516	-1	-	-1	-1
Pretax Income	10,150	9,436	9,264	8,162	7,094
Income Tax Expense	2,496	1,880	2,545	1,645	2,188
Earnings From Continuing Operations	7,654	7,556	6,719	6,517	4,906
Minority Interest in Earnings	-195	-128	-242	-132	-143
Net Income	7,459	7,428	6,477	6,385	4,763
Preferred Dividends & Other Adjustments	-	980	1,032	1,304	1,367
Net Income to Common	7,459	6,448	5,445	5,081	3,396
Net Income Growth	0.42%	14.68%	1.44%	34.05%	5.14%
Basic Shares Outstanding	57	57	59	59	59
Diluted Shares Outstanding	92	136	213	226	248
Shares Change (YoY)	-32.12%	-36.34%	-5.68%	-8.64%	23.50%
EPS (Basic)	130.22	112.63	92.08	85.77	57.33
EPS (Diluted)	80.93	52.79	28.90	26.62	17.56
EPS Growth	53.30%	82.65%	8.56%	51.62%	-13.35%
Dividend Per Share	-	10.000	5.000	5.000	3.000
Dividend Growth	-	100.00%	-	66.67%	-
Effective Tax Rate	24.59%	19.92%	27.47%	20.15%	30.84%

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