The Kiyo Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	55,170	42,717	36,496	34,884	34,148
Interest Income on Investments	19,135	16,415	9,744	12,702	11,542
Total Interest Income	74,305	59,132	46,240	47,586	45,690
Interest Paid on Deposits	10,212	2,853	122	109	134
Interest Paid on Borrowings	5,003	5,533	5,485	4,267	480
Total Interest Expense	15,215	8,386	5,607	4,376	614
Net Interest Income	59,090	50,746	40,633	43,210	45,076
Net Interest Income Growth (YoY)	16.44%	24.89%	-5.96%	-4.14%	6.98%
Gain (Loss) on Sale of Assets	-277	131	-36	-85	-185
Gain (Loss) on Sale of Investments	-	2,370	3,445	5,523	4,714
Other Non-Interest Income	40,565	36,497	34,495	30,803	29,844
Total Non-Interest Income	40,288	38,998	37,904	36,241	34,373
Non-Interest Income Growth (YoY)	3.31%	2.89%	4.59%	5.43%	9.60%
Revenues Before Loan Losses	99,378	89,744	78,537	79,451	79,449
Provision for Loan Losses	436	3,347	2,832	1,753	5,548
Revenue	98,942	86,397	75,705	77,698	73,901
Revenue Growth (YoY)	14.52%	14.12%	-2.56%	5.14%	8.14%
Selling, General & Administrative	36,538	34,961	33,018	31,295	31,999
Other Non-Interest Expense	30,312	27,998	22,588	41,417	17,807
Total Non-Interest Expense	66,850	62,959	55,606	72,712	49,806
EBT Excluding Unusual Items	32,092	23,438	20,099	4,986	24,095
Asset Writedown	-551	-157	-66	-118	-6
Other Unusual Items	-1,581	-1	-	-1	-
Pretax Income	29,960	23,280	20,033	4,867	24,089
Income Tax Expense	8,102	5,639	4,976	866	8,527
Earnings From Continuing Operations	21,858	17,641	15,057	4,001	15,562
Minority Interest in Earnings	-39	-23	-37	-77	-102
Net Income	21,819	17,618	15,020	3,924	15,460
Net Income to Common	21,819	17,618	15,020	3,924	15,460
Net Income Growth	23.84%	17.30%	282.77%	-74.62%	13.75%
Basic Shares Outstanding	64	65	65	66	67
Diluted Shares Outstanding	64	65	65	66	67
Shares Change (YoY)	-0.72%	-1.14%	-0.31%	-2.27%	-0.78%
EPS (Basic)	339.91	272.51	229.69	59.83	230.40
EPS (Diluted)	339.69	272.32	229.52	59.78	230.17
EPS Growth	24.74%	18.65%	283.94%	-74.03%	14.65%
Dividend Per Share	-	110.000	50.000	40.000	40.000
Dividend Growth	-	120.00%	25.00%	-	14.29%
Effective Tax Rate	27.04%	24.22%	24.84%	17.79%	35.40%

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