The Hyakujushi Bank, Ltd. (TYO:8386)

The Hyakujushi 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	44,695	41,158	38,838	32,958	26,515	26,794
Interest Income on Investments	16,070	14,861	13,509	14,908	14,621	13,859
Total Interest Income	60,765	56,019	52,347	47,866	41,136	40,653
Interest Paid on Deposits	7,620	6,663	5,168	3,492	526	685
Interest Paid on Borrowings	7,570	7,570	9,103	4,415	982	1,601
Total Interest Expense	15,190	14,233	14,271	7,907	1,508	2,286
Net Interest Income	45,575	41,786	38,076	39,959	39,628	38,367
Net Interest Income Growth (YoY)	13.84%	9.74%	-4.71%	0.83%	3.29%	2.57%
Trust Income	1	1	1	1	1	1
Gain (Loss) on Sale of Assets	-165	-184	-39	-23	-76	-35
Gain (Loss) on Sale of Investments	10,501	7,405	3,753	2,997	2,307	-4,215
Other Non-Interest Income	26,392	26,582	26,045	34,024	29,647	25,446
Total Non-Interest Income	36,729	33,804	29,760	36,999	31,879	21,197
Non-Interest Income Growth (YoY)	22.33%	13.59%	-19.56%	16.06%	50.39%	-34.09%
Revenues Before Loan Losses	82,304	75,590	67,836	76,958	71,507	59,564
Provision for Loan Losses	5,034	4,439	1,843	1,658	3,058	3,212
Revenue	77,270	71,151	65,993	75,300	68,449	56,352
Revenue Growth (YoY)	14.78%	7.82%	-12.36%	10.01%	21.47%	-11.12%
Selling, General & Administrative	34,571	33,337	33,470	34,215	35,204	37,046
Other Non-Interest Expense	19,446	18,089	18,005	27,814	18,134	14,034
Total Non-Interest Expense	54,017	51,426	51,475	62,029	53,338	51,080
EBT Excluding Unusual Items	23,253	19,725	14,518	13,271	15,111	5,272
Asset Writedown	-491	-259	-236	-63	-72	-161
Other Unusual Items	70	70	-1	-	-1	-
Pretax Income	22,832	19,536	14,281	13,208	15,038	5,111
Income Tax Expense	6,850	5,836	4,639	4,036	3,336	2,546
Earnings From Continuing Operations	15,982	13,700	9,642	9,172	11,702	2,565
Net Income	15,982	13,700	9,642	9,172	11,702	2,565
Net Income to Common	15,982	13,700	9,642	9,172	11,702	2,565
Net Income Growth	40.85%	42.09%	5.12%	-21.62%	356.22%	-66.75%
Basic Shares Outstanding	28	28	29	29	29	29
Diluted Shares Outstanding	28	28	29	29	29	30
Shares Change (YoY)	-0.40%	-0.74%	-1.33%	-1.44%	-0.04%	-0.07%
EPS (Basic)	562.24	481.23	336.20	315.56	396.81	86.95
EPS (Diluted)	562.18	481.16	336.12	315.50	396.72	86.91
EPS Growth	41.41%	43.15%	6.54%	-20.47%	356.47%	-66.73%
Dividend Per Share	193.000	145.000	90.000	75.000	70.000	70.000
Dividend Growth	67.83%	61.11%	20.00%	7.14%	-	-12.50%
Effective Tax Rate	30.00%	29.87%	32.48%	30.56%	22.18%	49.81%

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