The Hachijuni Bank, Ltd. (TYO:8359)

The Hachijuni 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	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	75,120	65,042	49,872	41,928	43,301	47,268
Interest Income on Investments	70,330	59,719	40,958	30,875	34,496	34,495
Total Interest Income	145,450	124,761	90,830	72,803	77,797	81,763
Interest Paid on Deposits	11,735	4,647	2,844	602	940	3,564
Interest Paid on Borrowings	32,367	32,367	15,264	3,716	5,923	9,198
Total Interest Expense	44,102	37,014	18,108	4,318	6,863	12,762
Net Interest Income	101,348	87,747	72,722	68,485	70,934	69,001
Net Interest Income Growth (YoY)	23.95%	20.66%	6.19%	-3.45%	2.80%	0.02%
Trust Income	12	12	10	7	2	2
Income From Trading Activities	243	300	961	2,063	3,360	2,315
Gain (Loss) on Sale of Assets	423	-129	1,524	311	-35	-318
Gain (Loss) on Sale of Investments	-5,690	-1,162	-2,647	-2,419	-459	-3,676
Other Non-Interest Income	91,693	87,126	110,427	76,476	72,810	80,983
Total Non-Interest Income	86,681	86,147	110,275	76,438	75,678	79,306
Non-Interest Income Growth (YoY)	6.98%	-21.88%	44.27%	1.00%	-4.57%	0.46%
Revenues Before Loan Losses	188,029	173,894	182,997	144,923	146,612	148,307
Provision for Loan Losses	-766	1,130	4,243	1,800	8,882	1,195
Revenue	188,795	172,764	178,754	143,123	137,730	147,112
Revenue Growth (YoY)	18.94%	-3.35%	24.90%	3.92%	-6.38%	0.67%
Selling, General & Administrative	69,134	66,251	56,631	54,038	59,021	59,455
Other Non-Interest Expense	67,462	71,426	85,706	50,729	46,597	54,530
Total Non-Interest Expense	136,596	137,677	142,337	104,767	105,618	113,985
EBT Excluding Unusual Items	52,199	35,087	36,417	38,356	32,112	33,127
Asset Writedown	-1,053	-1,646	-1,669	-302	-266	-421
Other Unusual Items	-3	17,388	-1	-1	-32	-
Pretax Income	51,143	50,829	34,747	38,053	31,814	32,706
Income Tax Expense	15,157	13,791	10,533	11,204	9,290	9,483
Earnings From Continuing Operations	35,986	37,038	24,214	26,849	22,524	23,223
Minority Interest in Earnings	49	33	-79	-182	-140	-1,146
Net Income	36,035	37,071	24,135	26,667	22,384	22,077
Net Income to Common	36,035	37,071	24,135	26,667	22,384	22,077
Net Income Growth	1.48%	53.60%	-9.49%	19.13%	1.39%	-1.85%
Basic Shares Outstanding	479	485	484	490	489	493
Diluted Shares Outstanding	479	486	484	490	490	493
Shares Change (YoY)	-1.18%	0.31%	-1.23%	0.04%	-0.69%	-1.00%
EPS (Basic)	75.21	76.37	49.90	54.46	45.73	44.80
EPS (Diluted)	75.16	76.31	49.83	54.39	45.67	44.73
EPS Growth	2.71%	53.14%	-8.38%	19.09%	2.10%	-0.86%
Dividend Per Share	14.000	24.000	20.000	16.000	14.000	14.000
Dividend Growth	-30.00%	20.00%	25.00%	14.29%	0%	0%
Effective Tax Rate	29.64%	27.13%	30.31%	29.44%	29.20%	28.99%

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