The Shikoku Bank, Ltd. (TYO:8387)

The Shikoku Bank 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	25,016	23,902	20,405	18,994	19,347
Interest Income on Investments	15,446	10,221	10,323	11,436	8,763
Total Interest Income	40,462	34,123	30,728	30,430	28,110
Interest Paid on Deposits	2,169	710	370	253	337
Interest Paid on Borrowings	1,733	572	1,420	837	1,078
Total Interest Expense	3,902	1,282	1,790	1,090	1,415
Net Interest Income	36,560	32,841	28,938	29,340	26,695
Net Interest Income Growth (YoY)	11.32%	13.49%	-1.37%	9.91%	3.37%
Gain (Loss) on Sale of Assets	2	33	55	35	86
Gain (Loss) on Sale of Investments	-	3,109	4,802	425	2,386
Other Non-Interest Income	13,371	15,145	25,092	11,733	10,422
Total Non-Interest Income	13,373	18,287	29,949	12,193	12,894
Non-Interest Income Growth (YoY)	-26.87%	-38.94%	145.63%	-5.44%	30.02%
Revenues Before Loan Losses	49,933	51,128	58,887	41,533	39,589
Provision for Loan Losses	1,373	462	652	1,706	1,295
Revenue	48,560	50,666	58,235	39,827	38,294
Revenue Growth (YoY)	-4.16%	-13.00%	46.22%	4.00%	23.00%
Selling, General & Administrative	23,804	23,025	22,353	22,884	24,066
Other Non-Interest Expense	14,474	18,290	27,925	5,962	4,662
Total Non-Interest Expense	38,278	41,315	50,278	28,846	28,728
EBT Excluding Unusual Items	10,282	9,351	7,957	10,981	9,566
Asset Writedown	-221	-63	-66	-456	-227
Other Unusual Items	-34	-1	-1	-	-1
Pretax Income	10,027	9,287	7,890	10,525	9,338
Income Tax Expense	3,210	1,999	2,339	2,577	2,695
Earnings From Continuing Operations	6,817	7,288	5,551	7,948	6,643
Minority Interest in Earnings	-4	-3	-2	-3	-2
Net Income	6,813	7,285	5,549	7,945	6,641
Net Income to Common	6,813	7,285	5,549	7,945	6,641
Net Income Growth	-6.48%	31.29%	-30.16%	19.64%	114.50%
Basic Shares Outstanding	42	42	42	42	42
Diluted Shares Outstanding	42	42	42	42	42
Shares Change (YoY)	0.08%	0.10%	0.10%	-1.85%	-0.27%
EPS (Basic)	163.28	174.75	133.27	191.07	156.78
EPS (Diluted)	163.14	174.59	133.11	190.78	156.53
EPS Growth	-6.56%	31.16%	-30.23%	21.88%	115.10%
Dividend Per Share	-	40.000	35.000	40.000	30.000
Dividend Growth	-	14.29%	-12.50%	33.33%	-
Effective Tax Rate	32.01%	21.52%	29.64%	24.48%	28.86%

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