The Kiyo Bank, Ltd. (TYO:8370)

The Kiyo 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	40,287	36,496	34,884	34,148	33,505	33,084
Interest Income on Investments	12,439	9,744	12,702	11,542	9,842	15,269
Total Interest Income	52,726	46,240	47,586	45,690	43,347	48,353
Interest Paid on Deposits	1,585	122	109	134	306	643
Interest Paid on Borrowings	5,507	5,485	4,267	480	906	3,224
Total Interest Expense	7,092	5,607	4,376	614	1,212	3,867
Net Interest Income	45,634	40,633	43,210	45,076	42,135	44,486
Net Interest Income Growth (YoY)	9.13%	-5.96%	-4.14%	6.98%	-5.28%	2.49%
Gain (Loss) on Sale of Assets	-34	-36	-85	-185	249	42
Gain (Loss) on Sale of Investments	3,445	3,445	5,523	4,714	1,492	1,556
Other Non-Interest Income	34,845	34,495	30,803	29,844	29,621	34,290
Total Non-Interest Income	38,256	37,904	36,241	34,373	31,362	35,888
Non-Interest Income Growth (YoY)	10.73%	4.59%	5.43%	9.60%	-12.61%	31.56%
Revenues Before Loan Losses	83,890	78,537	79,451	79,449	73,497	80,374
Provision for Loan Losses	2,832	2,832	1,753	5,548	5,161	2,106
Revenue	81,058	75,705	77,698	73,901	68,336	78,268
Revenue Growth (YoY)	11.43%	-2.57%	5.14%	8.14%	-12.69%	15.73%
Selling, General & Administrative	34,635	33,018	31,295	31,999	34,393	34,974
Other Non-Interest Expense	25,028	22,588	41,417	17,807	13,279	21,567
Total Non-Interest Expense	59,663	55,606	72,712	49,806	47,672	56,541
EBT Excluding Unusual Items	21,395	20,099	4,986	24,095	20,664	21,727
Asset Writedown	-195	-66	-118	-6	-125	-1,513
Other Unusual Items	-	-	-1	-	-1	-1
Pretax Income	21,200	20,033	4,867	24,089	20,538	20,213
Income Tax Expense	4,793	4,976	866	8,527	6,898	6,412
Earnings From Continuing Operations	16,407	15,057	4,001	15,562	13,640	13,801
Minority Interest in Earnings	-24	-37	-77	-102	-49	-82
Net Income	16,383	15,020	3,924	15,460	13,591	13,719
Net Income to Common	16,383	15,020	3,924	15,460	13,591	13,719
Net Income Growth	74368.18%	282.77%	-74.62%	13.75%	-0.93%	18.06%
Basic Shares Outstanding	64	65	66	67	68	68
Diluted Shares Outstanding	64	65	66	67	68	68
Shares Change (YoY)	-2.00%	-0.31%	-2.27%	-0.78%	-0.58%	-1.18%
EPS (Basic)	252.01	229.69	59.83	230.40	200.97	201.72
EPS (Diluted)	251.84	229.52	59.78	230.17	200.76	201.49
EPS Growth	74673.30%	283.94%	-74.03%	14.65%	-0.36%	19.48%
Dividend Per Share	70.000	50.000	40.000	40.000	35.000	35.000
Dividend Growth	55.56%	25.00%	0%	14.29%	0%	0%
Effective Tax Rate	-	24.84%	17.79%	35.40%	33.59%	31.72%

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