The Nanto Bank, Ltd. (TYO:8367)

The Nanto 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	48,874	43,555	37,312	34,509	32,371	31,974
Interest Income on Investments	23,627	23,330	13,483	12,353	15,814	16,147
Total Interest Income	72,501	66,885	50,795	46,862	48,185	48,121
Interest Paid on Deposits	7,027	3,827	288	296	351	427
Interest Paid on Borrowings	7,253	7,253	7,570	3,445	551	831
Total Interest Expense	14,280	11,080	7,858	3,741	902	1,258
Net Interest Income	58,221	55,805	42,937	43,121	47,283	46,863
Net Interest Income Growth (YoY)	19.31%	29.97%	-0.43%	-8.80%	0.90%	14.18%
Trust Income	26	25	28	16	8	8
Gain (Loss) on Sale of Assets	-44	-100	-3	37	-17	5
Gain (Loss) on Sale of Investments	3,253	1,882	4,322	-7,820	1,404	1,031
Other Non-Interest Income	30,182	31,143	29,877	27,752	24,832	25,715
Total Non-Interest Income	33,417	32,950	34,224	19,985	26,227	26,759
Non-Interest Income Growth (YoY)	-4.35%	-3.72%	71.25%	-23.80%	-1.99%	-11.92%
Revenues Before Loan Losses	91,638	88,755	77,161	63,106	73,510	73,622
Provision for Loan Losses	4,469	3,461	1,275	1,835	2,351	3,537
Revenue	87,169	85,294	75,886	61,271	71,159	70,085
Revenue Growth (YoY)	5.28%	12.40%	23.85%	-13.90%	1.53%	8.56%
Selling, General & Administrative	45,248	44,262	40,516	39,481	40,234	41,622
Other Non-Interest Expense	21,137	21,459	18,743	15,432	12,962	12,744
Total Non-Interest Expense	66,385	65,721	59,259	54,913	53,196	54,366
EBT Excluding Unusual Items	20,784	19,573	16,627	6,358	17,963	15,719
Asset Writedown	-90	-90	-2	-43	-62	-389
Other Unusual Items	-1	-1	-1	-	8	-1
Pretax Income	20,693	19,482	16,624	6,315	17,909	15,329
Income Tax Expense	6,133	5,972	4,587	1,584	6,042	4,488
Earnings From Continuing Operations	14,560	13,510	12,037	4,731	11,867	10,841
Net Income	14,560	13,510	12,037	4,731	11,867	10,841
Net Income to Common	14,560	13,510	12,037	4,731	11,867	10,841
Net Income Growth	15.44%	12.24%	154.43%	-60.13%	9.46%	241.02%
Basic Shares Outstanding	31	31	32	32	33	33
Diluted Shares Outstanding	31	31	32	32	33	33
Shares Change (YoY)	-0.81%	-0.83%	-0.84%	-1.70%	-0.20%	0.03%
EPS (Basic)	463.58	429.01	379.07	147.73	364.28	332.39
EPS (Diluted)	463.58	429.01	379.07	147.73	364.28	332.12
EPS Growth	16.38%	13.18%	156.59%	-59.45%	9.68%	240.88%
Dividend Per Share	205.000	170.000	80.000	80.000	80.000	80.000
Dividend Growth	105.00%	112.50%	-	-	-	-
Effective Tax Rate	29.64%	30.65%	27.59%	25.08%	33.74%	29.28%

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