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

The Chiba Kogyo Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	29,536	24,406	22,872	21,966	22,065	21,784
Interest Income on Investments	7,640	6,523	4,958	4,995	6,229	5,421
Total Interest Income	37,176	30,929	27,830	26,961	28,294	27,205
Interest Paid on Deposits	5,547	2,002	160	146	273	264
Interest Paid on Borrowings	460	460	595	268	94	177
Total Interest Expense	6,007	2,462	755	414	367	441
Net Interest Income	31,169	28,467	27,075	26,547	27,927	26,764
Net Interest Income Growth (YoY)	12.04%	5.14%	1.99%	-4.94%	4.35%	-4.16%
Gain (Loss) on Sale of Assets	-4	-14	-90	-146	-109	-23
Gain (Loss) on Sale of Investments	-37	-37	-	-93	-52	-146
Other Non-Interest Income	27,520	25,981	26,754	24,342	22,954	22,781
Total Non-Interest Income	27,479	25,930	26,664	24,103	22,793	22,612
Non-Interest Income Growth (YoY)	3.23%	-2.75%	10.63%	5.75%	0.80%	8.66%
Revenues Before Loan Losses	58,648	54,397	53,739	50,650	50,720	49,376
Provision for Loan Losses	202	202	1,515	598	1,969	2,192
Revenue	58,446	54,195	52,224	50,052	48,751	47,184
Revenue Growth (YoY)	7.80%	3.77%	4.34%	2.67%	3.32%	-1.07%
Selling, General & Administrative	25,730	24,972	25,145	24,413	25,353	25,743
Other Non-Interest Expense	19,915	18,557	16,920	16,114	14,503	14,241
Total Non-Interest Expense	45,645	43,529	42,065	40,527	39,856	39,984
EBT Excluding Unusual Items	12,801	10,666	10,159	9,525	8,895	7,200
Asset Writedown	-	-	-722	-261	-732	-105
Other Unusual Items	-1	-516	-1	-	-1	-1
Pretax Income	12,800	10,150	9,436	9,264	8,162	7,094
Income Tax Expense	3,382	2,496	1,880	2,545	1,645	2,188
Earnings From Continuing Operations	9,418	7,654	7,556	6,719	6,517	4,906
Minority Interest in Earnings	-321	-195	-128	-242	-132	-143
Net Income	9,097	7,459	7,428	6,477	6,385	4,763
Preferred Dividends & Other Adjustments	787	787	980	1,032	1,304	1,367
Net Income to Common	8,310	6,672	6,448	5,445	5,081	3,396
Net Income Growth	26.49%	0.42%	14.68%	1.44%	34.05%	5.14%
Basic Shares Outstanding	57	57	57	59	59	59
Diluted Shares Outstanding	82	90	136	213	226	248
Shares Change (YoY)	-18.75%	-34.01%	-36.34%	-5.68%	-8.64%	23.50%
EPS (Basic)	144.91	116.49	112.63	92.08	85.77	57.33
EPS (Diluted)	107.97	80.92	52.79	28.90	26.62	17.56
EPS Growth	57.83%	53.29%	82.65%	8.56%	51.62%	-13.35%
Dividend Per Share	10.000	10.000	10.000	5.000	5.000	3.000
Dividend Growth	-	-	100.00%	-	66.67%	-
Effective Tax Rate	26.42%	24.59%	19.92%	27.47%	20.15%	30.84%

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