The Yamanashi Chuo Bank,Ltd. (TYO:8360)

TYO:8360 Income Statement

Financials in millions JPY. Fiscal year is April - March.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	25,200	21,869	18,962	16,948	16,513
Interest Income on Investments	11,501	9,285	13,396	10,826	11,828
Total Interest Income	36,701	31,154	32,358	27,774	28,341
Interest Paid on Deposits	2,367	281	266	301	323
Interest Paid on Borrowings	574	158	1,200	69	62
Total Interest Expense	2,941	439	1,466	370	385
Net Interest Income	33,760	30,715	30,892	27,404	27,956
Net Interest Income Growth (YoY)	9.91%	-0.57%	12.73%	-1.98%	-5.20%
Gain (Loss) on Sale of Assets	-42	-44	12	-190	-56
Gain (Loss) on Sale of Investments	-	4,543	6,258	2,084	655
Other Non-Interest Income	23,780	19,848	21,766	16,116	18,964
Total Non-Interest Income	23,738	24,347	28,036	18,010	19,563
Non-Interest Income Growth (YoY)	-2.50%	-13.16%	55.67%	-7.94%	59.96%
Revenues Before Loan Losses	57,498	55,062	58,928	45,414	47,519
Provision for Loan Losses	1,342	-	1,009	490	755
Revenue	56,156	55,062	57,919	44,924	46,764
Revenue Growth (YoY)	1.99%	-4.93%	28.93%	-3.94%	14.57%
Selling, General & Administrative	27,127	26,838	25,892	26,679	26,987
Other Non-Interest Expense	18,452	20,627	24,296	11,812	13,604
Total Non-Interest Expense	45,579	47,465	50,188	38,491	40,591
EBT Excluding Unusual Items	10,577	7,597	7,731	6,433	6,173
Asset Writedown	-	-23	-3	-413	-513
Other Unusual Items	-	-1	-	-	-
Pretax Income	10,577	7,573	7,728	6,020	5,660
Income Tax Expense	2,860	1,948	2,538	1,627	2,420
Earnings From Continuing Operations	7,717	5,625	5,190	4,393	3,240
Minority Interest in Earnings	-48	33	-129	-152	-150
Net Income	7,669	5,658	5,061	4,241	3,090
Net Income to Common	7,669	5,658	5,061	4,241	3,090
Net Income Growth	35.54%	11.80%	19.34%	37.25%	-17.91%
Basic Shares Outstanding	31	30	31	32	32
Diluted Shares Outstanding	31	30	31	32	32
Shares Change (YoY)	0.11%	-2.73%	-2.09%	0.16%	-1.38%
EPS (Basic)	251.40	185.78	161.76	132.73	96.91
EPS (Diluted)	251.19	185.55	161.45	132.45	96.67
EPS Growth	35.38%	14.93%	21.89%	37.01%	-16.76%
Dividend Per Share	-	56.000	45.000	40.000	35.000
Dividend Growth	-	24.44%	12.50%	14.29%	-
Effective Tax Rate	27.04%	25.72%	32.84%	27.03%	42.76%

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