The 77 Bank, Ltd. (TYO: 8341)

The 77 Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	55,860	52,041	46,714	42,341	41,618	41,957
Interest Income on Investments	46,578	42,918	32,393	29,873	29,591	28,272
Total Interest Income	102,438	94,959	79,107	72,214	71,209	70,229
Interest Paid on Deposits	1,489	654	428	184	327	763
Interest Paid on Borrowings	1,577	1,577	809	419	1,005	1,580
Total Interest Expense	3,066	2,231	1,237	603	1,332	2,343
Net Interest Income	99,372	92,728	77,870	71,611	69,877	67,886
Net Interest Income Growth (YoY)	14.79%	19.08%	8.74%	2.48%	2.93%	4.09%
Trust Income	24	20	-	-	-	-
Other Non-Interest Income	58,104	55,573	42,946	45,955	48,767	46,697
Total Non-Interest Income	58,128	55,593	42,946	45,955	48,767	46,697
Non-Interest Income Growth (YoY)	26.24%	29.45%	-6.55%	-5.77%	4.43%	14.72%
Revenues Before Loan Losses	157,500	148,321	120,816	117,566	118,644	114,583
Provision for Loan Losses	3,235	3,235	809	4,147	7,126	6,644
Revenue	154,265	145,086	120,007	113,419	111,518	107,939
Revenue Growth (YoY)	14.70%	20.90%	5.81%	1.70%	3.32%	3.39%
Selling, General & Administrative	52,865	54,384	53,475	54,075	55,104	58,141
Other Non-Interest Expense	53,851	46,462	30,757	26,347	31,300	23,498
Total Non-Interest Expense	106,716	100,846	84,232	80,422	86,404	81,639
EBT Excluding Unusual Items	47,549	44,240	35,775	32,997	25,114	26,300
Asset Writedown	-34	-34	-364	-547	-292	-126
Other Unusual Items	-	-	-	-1	-	-
Pretax Income	47,515	44,206	35,411	32,449	24,822	26,174
Income Tax Expense	15,619	14,404	10,355	10,215	8,354	7,913
Earnings From Continuing Operations	31,896	29,802	25,056	22,234	16,468	18,261
Net Income	31,896	29,802	25,056	22,234	16,468	18,261
Net Income to Common	31,896	29,802	25,056	22,234	16,468	18,261
Net Income Growth	7.11%	18.94%	12.69%	35.01%	-9.82%	3.34%
Basic Shares Outstanding	74	74	74	74	74	74
Diluted Shares Outstanding	74	74	74	74	74	74
Shares Change (YoY)	0.14%	0.12%	0.08%	0.03%	-0.07%	-0.45%
EPS (Basic)	430.38	402.41	338.74	300.81	222.87	246.97
EPS (Diluted)	430.38	402.41	338.74	300.81	222.87	246.97
EPS Growth	6.96%	18.80%	12.61%	34.97%	-9.76%	3.81%
Dividend Per Share	145.000	122.500	90.000	67.500	50.000	50.000
Dividend Growth	38.10%	36.11%	33.33%	35.00%	0%	5.26%
Effective Tax Rate	32.87%	32.58%	29.24%	31.48%	33.66%	30.23%

Source: S&P Capital IQ. Banks template. Financial Sources.