The Chiba Kogyo 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	31,143	24,406	22,872	21,966	22,065
Interest Income on Investments	8,643	6,523	4,958	4,995	6,229
Total Interest Income	39,786	30,929	27,830	26,961	28,294
Interest Paid on Deposits	6,734	2,002	160	146	273
Interest Paid on Borrowings	713	460	595	268	94
Total Interest Expense	7,447	2,462	755	414	367
Net Interest Income	32,339	28,467	27,075	26,547	27,927
Net Interest Income Growth (YoY)	13.60%	5.14%	1.99%	-4.94%	4.35%
Gain (Loss) on Sale of Assets	1	-14	-90	-146	-109
Gain (Loss) on Sale of Investments	-	-37	-	-93	-52
Other Non-Interest Income	29,086	25,981	26,754	24,342	22,954
Total Non-Interest Income	29,087	25,930	26,664	24,103	22,793
Non-Interest Income Growth (YoY)	12.17%	-2.75%	10.63%	5.75%	0.80%
Revenues Before Loan Losses	61,426	54,397	53,739	50,650	50,720
Provision for Loan Losses	257	202	1,515	598	1,969
Revenue	61,169	54,195	52,224	50,052	48,751
Revenue Growth (YoY)	12.87%	3.77%	4.34%	2.67%	3.32%
Selling, General & Administrative	26,198	24,972	25,145	24,413	25,353
Other Non-Interest Expense	22,260	18,557	16,920	16,114	14,503
Total Non-Interest Expense	48,458	43,529	42,065	40,527	39,856
EBT Excluding Unusual Items	12,711	10,666	10,159	9,525	8,895
Asset Writedown	-	-	-722	-261	-732
Other Unusual Items	-	-516	-1	-	-1
Pretax Income	12,711	10,150	9,436	9,264	8,162
Income Tax Expense	3,779	2,496	1,880	2,545	1,645
Earnings From Continuing Operations	8,932	7,654	7,556	6,719	6,517
Minority Interest in Earnings	-320	-195	-128	-242	-132
Net Income	8,612	7,459	7,428	6,477	6,385
Preferred Dividends & Other Adjustments	-	787	980	1,032	1,304
Net Income to Common	8,612	6,672	6,448	5,445	5,081
Net Income Growth	15.46%	0.42%	14.68%	1.44%	34.05%
Basic Shares Outstanding	57	57	57	59	59
Diluted Shares Outstanding	82	90	136	213	226
Shares Change (YoY)	-8.93%	-34.01%	-36.34%	-5.68%	-8.64%
EPS (Basic)	150.09	116.49	112.63	92.08	85.77
EPS (Diluted)	105.53	80.92	52.79	28.90	26.62
EPS Growth	30.41%	53.29%	82.65%	8.56%	51.62%
Dividend Per Share	-	10.000	10.000	5.000	5.000
Dividend Growth	-	-	100.00%	-	66.67%
Effective Tax Rate	29.73%	24.59%	19.92%	27.47%	20.15%