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

TYO:8360 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	24,650	21,869	18,962	16,948	16,513	15,885
Interest Income on Investments	9,934	9,285	13,396	10,826	11,828	14,409
Total Interest Income	34,584	31,154	32,358	27,774	28,341	30,294
Interest Paid on Deposits	1,481	281	266	301	323	388
Interest Paid on Borrowings	158	158	1,200	69	62	417
Total Interest Expense	1,639	439	1,466	370	385	805
Net Interest Income	32,945	30,715	30,892	27,404	27,956	29,489
Net Interest Income Growth (YoY)	9.41%	-0.57%	12.73%	-1.98%	-5.20%	-1.02%
Gain (Loss) on Sale of Assets	-50	-44	12	-190	-56	-68
Gain (Loss) on Sale of Investments	1,074	4,543	6,258	2,084	655	-2,643
Other Non-Interest Income	22,332	19,848	21,766	16,116	18,964	14,941
Total Non-Interest Income	23,356	24,347	28,036	18,010	19,563	12,230
Non-Interest Income Growth (YoY)	-14.69%	-13.16%	55.67%	-7.94%	59.96%	-6.38%
Revenues Before Loan Losses	56,301	55,062	58,928	45,414	47,519	41,719
Provision for Loan Losses	-	-	1,009	490	755	902
Revenue	56,301	55,062	57,919	44,924	46,764	40,817
Revenue Growth (YoY)	-0.93%	-4.93%	28.93%	-3.94%	14.57%	-4.03%
Selling, General & Administrative	27,335	26,838	25,892	26,679	26,987	27,144
Other Non-Interest Expense	20,172	20,627	24,296	11,812	13,604	7,016
Total Non-Interest Expense	47,507	47,465	50,188	38,491	40,591	34,160
EBT Excluding Unusual Items	8,794	7,597	7,731	6,433	6,173	6,657
Asset Writedown	-	-23	-3	-413	-513	-574
Other Unusual Items	-	-1	-	-	-	-
Pretax Income	8,794	7,573	7,728	6,020	5,660	6,083
Income Tax Expense	2,706	1,948	2,538	1,627	2,420	2,147
Earnings From Continuing Operations	6,088	5,625	5,190	4,393	3,240	3,936
Minority Interest in Earnings	79	33	-129	-152	-150	-172
Net Income	6,167	5,658	5,061	4,241	3,090	3,764
Net Income to Common	6,167	5,658	5,061	4,241	3,090	3,764
Net Income Growth	20.69%	11.80%	19.34%	37.25%	-17.91%	-23.31%
Basic Shares Outstanding	30	30	31	32	32	32
Diluted Shares Outstanding	30	30	31	32	32	32
Shares Change (YoY)	-0.60%	-2.73%	-2.09%	0.16%	-1.38%	-3.05%
EPS (Basic)	202.42	185.78	161.76	132.73	96.91	116.41
EPS (Diluted)	202.23	185.55	161.45	132.45	96.67	116.13
EPS Growth	21.42%	14.93%	21.89%	37.01%	-16.76%	-20.88%
Dividend Per Share	63.000	56.000	45.000	40.000	35.000	35.000
Dividend Growth	26.00%	24.44%	12.50%	14.29%	-	-
Effective Tax Rate	30.77%	25.72%	32.84%	27.03%	42.76%	35.30%

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