The 77 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	79,531	60,695	52,041	46,714	42,341
Interest Income on Investments	54,396	49,905	42,918	32,393	29,873
Total Interest Income	133,927	110,600	94,959	79,107	72,214
Interest Paid on Deposits	17,324	5,817	654	428	184
Interest Paid on Borrowings	2,826	1,741	1,577	809	419
Total Interest Expense	20,150	7,558	2,231	1,237	603
Net Interest Income	113,777	103,042	92,728	77,870	71,611
Net Interest Income Growth (YoY)	10.42%	11.12%	19.08%	8.74%	2.48%
Trust Income	32	27	20	-	-
Other Non-Interest Income	77,249	60,926	55,573	42,946	45,955
Total Non-Interest Income	77,281	60,953	55,593	42,946	45,955
Non-Interest Income Growth (YoY)	26.79%	9.64%	29.45%	-6.55%	-5.77%
Revenues Before Loan Losses	191,058	163,995	148,321	120,816	117,566
Provision for Loan Losses	3,567	-	3,235	809	4,147
Revenue	187,491	163,995	145,086	120,007	113,419
Revenue Growth (YoY)	14.33%	13.03%	20.90%	5.81%	1.70%
Selling, General & Administrative	55,360	52,524	54,384	53,475	54,075
Other Non-Interest Expense	53,664	55,200	46,462	30,757	26,347
Total Non-Interest Expense	109,024	107,724	100,846	84,232	80,422
EBT Excluding Unusual Items	78,467	56,271	44,240	35,775	32,997
Asset Writedown	-56	-7	-34	-364	-547
Other Unusual Items	-	-	-	-	-1
Pretax Income	78,411	56,264	44,206	35,411	32,449
Income Tax Expense	24,404	16,994	14,404	10,355	10,215
Earnings From Continuing Operations	54,007	39,270	29,802	25,056	22,234
Net Income	54,007	39,270	29,802	25,056	22,234
Net Income to Common	54,007	39,270	29,802	25,056	22,234
Net Income Growth	37.53%	31.77%	18.94%	12.69%	35.01%
Basic Shares Outstanding	74	222	222	222	222
Diluted Shares Outstanding	74	222	222	222	222
Shares Change (YoY)	-66.60%	0.14%	0.12%	0.08%	0.03%
EPS (Basic)	726.67	176.50	134.14	112.91	100.27
EPS (Diluted)	726.67	176.50	134.14	112.91	100.27
EPS Growth	311.71%	31.58%	18.80%	12.61%	34.97%
Dividend Per Share	-	58.333	40.833	30.000	22.500
Dividend Growth	-	42.86%	36.11%	33.33%	35.00%
Effective Tax Rate	31.12%	30.20%	32.58%	29.24%	31.48%

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