The Toho Bank, Ltd. (TYO:8346)

The Toho 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	39,047	30,856	26,684	25,968	26,768	27,712
Interest Income on Investments	18,087	11,996	7,372	6,864	6,703	4,335
Total Interest Income	57,134	42,852	34,056	32,832	33,471	32,047
Interest Paid on Deposits	9,192	3,835	262	239	253	369
Interest Paid on Borrowings	5,532	1,400	-53	395	5	-10
Total Interest Expense	14,724	5,235	209	634	258	359
Net Interest Income	42,410	37,617	33,847	32,198	33,213	31,688
Net Interest Income Growth (YoY)	14.72%	11.14%	5.12%	-3.06%	4.81%	-6.10%
Gain (Loss) on Sale of Assets	-146	-209	124	483	-97	-41
Gain (Loss) on Sale of Investments	-	1,082	186	-138	349	-1,994
Other Non-Interest Income	31,091	26,288	24,637	24,080	26,100	25,427
Total Non-Interest Income	30,945	27,161	24,947	24,425	26,352	23,392
Non-Interest Income Growth (YoY)	21.15%	8.88%	2.14%	-7.31%	12.65%	-15.73%
Revenues Before Loan Losses	73,355	64,778	58,794	56,623	59,565	55,080
Provision for Loan Losses	870	870	1,815	1,904	2,219	11,303
Revenue	72,485	63,908	56,979	54,719	57,346	43,777
Revenue Growth (YoY)	19.42%	12.16%	4.13%	-4.58%	31.00%	-18.94%
Selling, General & Administrative	37,880	35,956	35,150	32,831	34,084	35,622
Other Non-Interest Expense	18,800	16,963	13,385	14,706	13,142	12,282
Total Non-Interest Expense	56,680	52,919	48,535	47,537	47,226	47,904
EBT Excluding Unusual Items	15,805	10,989	8,444	7,182	10,120	-4,127
Asset Writedown	-68	-284	-485	-155	-398	-2,206
Other Unusual Items	-	-1	35	36	-	1
Pretax Income	15,737	10,704	7,994	7,063	9,722	-6,332
Income Tax Expense	4,885	3,259	2,742	2,570	2,969	-1,668
Net Income	10,852	7,445	5,252	4,493	6,753	-4,664
Net Income to Common	10,852	7,445	5,252	4,493	6,753	-4,664
Net Income Growth	72.58%	41.76%	16.89%	-33.47%	-	-
Basic Shares Outstanding	250	250	252	252	252	252
Diluted Shares Outstanding	250	250	252	252	252	252
Shares Change (YoY)	0.03%	-0.86%	0.06%	-	-	-
EPS (Basic)	43.45	29.78	20.82	17.83	26.79	-18.50
EPS (Diluted)	43.45	29.78	20.82	17.83	26.79	-18.50
EPS Growth	73.18%	42.99%	16.83%	-33.47%	-	-
Dividend Per Share	12.000	9.000	7.000	7.000	7.000	5.000
Dividend Growth	60.00%	28.57%	-	-	40.00%	-
Effective Tax Rate	31.04%	30.45%	34.30%	36.39%	30.54%	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.