Hokuhoku Financial Group, Inc. (TYO:8377)

Hokuhoku Financial Group Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	99,196	84,624	83,070	82,579	84,053
Interest Income on Investments	38,597	22,035	26,043	22,219	20,449
Total Interest Income	137,793	106,659	109,113	104,798	104,502
Interest Paid on Deposits	9,135	1,020	877	437	625
Interest Paid on Borrowings	16,141	12,606	8,748	1,048	1,138
Total Interest Expense	25,276	13,626	9,625	1,485	1,763
Net Interest Income	112,517	93,033	99,488	103,313	102,739
Net Interest Income Growth (YoY)	20.94%	-6.49%	-3.70%	0.56%	-2.01%
Trust Income	18	26	30	36	42
Income From Trading Activities	1,243	1,054	860	1,627	1,625
Gain (Loss) on Sale of Assets	-803	-406	-363	-523	-403
Gain (Loss) on Sale of Investments	-	17,079	10,296	2,049	5,087
Other Non-Interest Income	71,123	60,461	59,858	61,552	60,182
Total Non-Interest Income	71,581	78,214	70,681	64,741	66,533
Non-Interest Income Growth (YoY)	-8.48%	10.66%	9.18%	-2.69%	2.47%
Revenues Before Loan Losses	184,098	171,247	170,169	168,054	169,272
Provision for Loan Losses	6,650	317	1,155	13,374	13,281
Revenue	177,448	170,930	169,014	154,680	155,991
Revenue Growth (YoY)	3.81%	1.13%	9.27%	-0.84%	-1.18%
Selling, General & Administrative	86,138	87,772	83,683	87,273	91,511
Other Non-Interest Expense	40,492	60,287	59,302	37,651	32,660
Total Non-Interest Expense	126,630	148,059	142,985	124,924	124,171
EBT Excluding Unusual Items	50,818	22,871	26,029	29,756	31,820
Asset Writedown	-789	-416	-286	-414	-685
Other Unusual Items	3,710	3,343	-13	3,889	41
Pretax Income	53,739	25,798	25,730	33,231	31,176
Income Tax Expense	14,362	2,507	4,174	12,547	9,579
Earnings From Continuing Operations	39,377	23,291	21,556	20,684	21,597
Minority Interest in Earnings	-305	-243	-121	-158	-263
Net Income	39,072	23,048	21,435	20,526	21,334
Preferred Dividends & Other Adjustments	-	886	1,047	1,208	1,369
Net Income to Common	39,072	22,162	20,388	19,318	19,965
Net Income Growth	69.52%	7.52%	4.43%	-3.79%	5.34%
Basic Shares Outstanding	123	125	128	131	131
Diluted Shares Outstanding	126	126	129	131	132
Shares Change (YoY)	0.16%	-2.18%	-2.23%	-0.13%	0.10%
EPS (Basic)	317.46	176.99	159.19	147.47	152.17
EPS (Diluted)	310.29	176.28	158.63	146.95	151.68
EPS Growth	76.02%	11.13%	7.95%	-3.12%	6.54%
Dividend Per Share	50.000	40.000	37.000	35.000	35.000
Dividend Growth	25.00%	8.11%	5.71%	-	-12.50%
Effective Tax Rate	26.72%	9.72%	16.22%	37.76%	30.73%

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