The Nanto Bank, Ltd. (TYO:8367)

The Nanto 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	41,302	37,312	34,509	32,371	31,974	30,164
Interest Income on Investments	21,897	13,483	12,353	15,814	16,147	13,994
Total Interest Income	63,199	50,795	46,862	48,185	48,121	44,158
Interest Paid on Deposits	2,196	288	296	351	427	544
Interest Paid on Borrowings	7,670	7,570	3,445	551	831	2,570
Total Interest Expense	9,866	7,858	3,741	902	1,258	3,114
Net Interest Income	53,333	42,937	43,121	47,283	46,863	41,044
Net Interest Income Growth (YoY)	33.97%	-0.43%	-8.80%	0.90%	14.18%	0.72%
Trust Income	27	28	16	8	8	13
Gain (Loss) on Sale of Assets	-83	-3	37	-17	5	-139
Gain (Loss) on Sale of Investments	4,322	4,322	-7,820	1,404	1,031	7,869
Other Non-Interest Income	28,841	29,877	27,752	24,832	25,715	22,639
Total Non-Interest Income	33,107	34,224	19,985	26,227	26,759	30,382
Non-Interest Income Growth (YoY)	42.11%	71.25%	-23.80%	-1.99%	-11.92%	-0.79%
Revenues Before Loan Losses	86,440	77,161	63,106	73,510	73,622	71,426
Provision for Loan Losses	1,275	1,275	1,835	2,351	3,537	6,868
Revenue	85,165	75,886	61,271	71,159	70,085	64,558
Revenue Growth (YoY)	39.94%	23.85%	-13.90%	1.53%	8.56%	-9.55%
Selling, General & Administrative	42,641	40,516	39,481	40,234	41,622	42,980
Other Non-Interest Expense	21,815	18,743	15,432	12,962	12,744	13,885
Total Non-Interest Expense	64,456	59,259	54,913	53,196	54,366	56,865
EBT Excluding Unusual Items	20,709	16,627	6,358	17,963	15,719	7,693
Asset Writedown	-2	-2	-43	-62	-389	-1,822
Other Unusual Items	-1	-1	-	8	-1	-
Pretax Income	20,706	16,624	6,315	17,909	15,329	5,871
Income Tax Expense	6,776	4,587	1,584	6,042	4,488	2,692
Earnings From Continuing Operations	13,930	12,037	4,731	11,867	10,841	3,179
Net Income	13,930	12,037	4,731	11,867	10,841	3,179
Net Income to Common	13,930	12,037	4,731	11,867	10,841	3,179
Net Income Growth	245.92%	154.43%	-60.13%	9.46%	241.02%	-71.55%
Basic Shares Outstanding	31	32	32	33	33	33
Diluted Shares Outstanding	31	32	32	33	33	33
Shares Change (YoY)	-1.10%	-0.84%	-1.70%	-0.20%	0.03%	0.02%
EPS (Basic)	441.13	379.07	147.73	364.28	332.39	97.50
EPS (Diluted)	441.13	379.07	147.73	364.28	332.12	97.43
EPS Growth	247.85%	156.59%	-59.44%	9.68%	240.88%	-71.55%
Dividend Per Share	100.000	80.000	80.000	80.000	80.000	80.000
Dividend Growth	25.00%	0%	0%	0%	0%	14.29%
Effective Tax Rate	-	27.59%	25.08%	33.74%	29.28%	45.85%

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