The Tohoku Bank, Ltd. (TYO:8349)

The Tohoku 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	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	9,489	8,561	8,002	7,856	7,837	8,019
Interest Income on Investments	1,882	1,694	1,533	1,272	1,441	1,253
Total Interest Income	11,371	10,255	9,535	9,128	9,278	9,272
Interest Paid on Deposits	1,330	543	27	30	37	90
Interest Paid on Borrowings	76	76	3	-	-	-
Total Interest Expense	1,406	619	30	30	37	90
Net Interest Income	9,965	9,636	9,505	9,098	9,241	9,182
Net Interest Income Growth (YoY)	4.99%	1.38%	4.47%	-1.55%	0.64%	1.03%
Trust Income	208	187	260	146	105	-
Gain (Loss) on Sale of Assets	-6	-7	-36	-3	-1	-20
Gain (Loss) on Sale of Investments	209	339	570	214	214	5
Other Non-Interest Income	4,495	4,126	4,362	3,993	4,146	4,020
Total Non-Interest Income	4,906	4,645	5,156	4,350	4,464	4,005
Non-Interest Income Growth (YoY)	8.13%	-9.91%	18.53%	-2.55%	11.46%	0.38%
Revenues Before Loan Losses	14,871	14,281	14,661	13,448	13,705	13,187
Provision for Loan Losses	441	1,014	1,419	406	491	91
Revenue	14,430	13,267	13,242	13,042	13,214	13,096
Revenue Growth (YoY)	12.47%	0.19%	1.53%	-1.30%	0.90%	1.96%
Selling, General & Administrative	9,106	8,932	8,982	8,616	8,895	8,909
Other Non-Interest Expense	2,661	2,368	2,148	1,925	2,203	2,466
Total Non-Interest Expense	11,767	11,300	11,130	10,541	11,098	11,375
EBT Excluding Unusual Items	2,663	1,967	2,112	2,501	2,116	1,721
Asset Writedown	-14	-17	-135	-314	-245	-
Other Unusual Items	-262	-262	-	-1	-	-
Pretax Income	2,387	1,688	1,977	2,186	1,871	1,721
Income Tax Expense	788	619	601	660	534	572
Earnings From Continuing Operations	1,599	1,069	1,376	1,526	1,337	1,149
Net Income	1,599	1,069	1,376	1,526	1,337	1,149
Preferred Dividends & Other Adjustments	12	1	2	1	-	-
Net Income to Common	1,587	1,068	1,374	1,525	1,337	1,149
Net Income Growth	18.62%	-22.31%	-9.83%	14.14%	16.36%	3.42%
Basic Shares Outstanding	9	9	9	9	9	9
Diluted Shares Outstanding	17	18	17	20	19	18
Shares Change (YoY)	-0.87%	4.42%	-11.57%	1.64%	9.65%	-18.60%
EPS (Basic)	167.56	112.50	144.71	160.71	141.00	121.27
EPS (Diluted)	91.60	58.94	79.22	77.69	69.22	65.23
EPS Growth	19.64%	-25.60%	1.97%	12.24%	6.12%	27.12%
Dividend Per Share	50.000	50.000	50.000	50.000	50.000	50.000
Effective Tax Rate	33.01%	36.67%	30.40%	30.19%	28.54%	33.24%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.