Hachijuni Nagano 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	86,976	73,075	65,042	49,872	41,928
Interest Income on Investments	83,859	75,887	59,719	40,958	30,875
Total Interest Income	170,835	148,962	124,761	90,830	72,803
Interest Paid on Deposits	21,559	9,739	4,647	2,844	602
Interest Paid on Borrowings	32,644	34,972	32,367	15,264	3,716
Total Interest Expense	54,203	44,711	37,014	18,108	4,318
Net Interest Income	116,632	104,251	87,747	72,722	68,485
Net Interest Income Growth (YoY)	11.88%	18.81%	20.66%	6.19%	-3.45%
Trust Income	8	11	12	10	7
Income From Trading Activities	497	270	300	961	2,063
Gain (Loss) on Sale of Assets	-22	1,318	-129	1,524	311
Gain (Loss) on Sale of Investments	-	-3,837	-1,162	-2,647	-2,419
Other Non-Interest Income	134,103	104,950	87,126	110,427	76,476
Total Non-Interest Income	134,586	102,712	86,147	110,275	76,438
Non-Interest Income Growth (YoY)	31.03%	19.23%	-21.88%	44.27%	1.00%
Revenues Before Loan Losses	251,218	206,963	173,894	182,997	144,923
Provision for Loan Losses	-	1,120	1,130	4,243	1,800
Revenue	251,218	205,843	172,764	178,754	143,123
Revenue Growth (YoY)	22.04%	19.15%	-3.35%	24.89%	3.92%
Selling, General & Administrative	81,145	72,578	66,251	56,631	54,038
Other Non-Interest Expense	88,563	68,110	71,426	85,706	50,729
Total Non-Interest Expense	169,708	140,688	137,677	142,337	104,767
EBT Excluding Unusual Items	81,510	65,155	35,087	36,417	38,356
Asset Writedown	-1,634	-521	-1,646	-1,669	-302
Other Unusual Items	-1	229	17,388	-1	-1
Pretax Income	79,875	64,863	50,829	34,747	38,053
Income Tax Expense	15,152	16,764	13,791	10,533	11,204
Earnings From Continuing Operations	64,723	48,099	37,038	24,214	26,849
Minority Interest in Earnings	-151	-117	33	-79	-182
Net Income	64,572	47,982	37,071	24,135	26,667
Net Income to Common	64,572	47,982	37,071	24,135	26,667
Net Income Growth	34.58%	29.43%	53.60%	-9.50%	19.13%
Basic Shares Outstanding	457	474	485	484	490
Diluted Shares Outstanding	458	474	486	484	490
Shares Change (YoY)	-3.51%	-2.37%	0.31%	-1.23%	0.04%
EPS (Basic)	141.19	101.23	76.37	49.90	54.46
EPS (Diluted)	141.10	101.16	76.31	49.83	54.39
EPS Growth	39.48%	32.56%	53.14%	-8.38%	19.09%
Dividend Per Share	-	42.000	24.000	20.000	16.000
Dividend Growth	-	75.00%	20.00%	25.00%	14.29%
Effective Tax Rate	18.97%	25.85%	27.13%	30.31%	29.44%

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