The Shikoku Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	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	30,452	28,629	25,016	23,902	20,405	18,994
Interest Income on Investments	17,801	17,800	15,446	10,221	10,323	11,436
Total Interest Income	48,253	46,429	40,462	34,123	30,728	30,430
Interest Paid on Deposits	7,482	5,941	2,169	710	370	253
Interest Paid on Borrowings	1,792	2,288	1,733	572	1,420	837
Total Interest Expense	9,274	8,229	3,902	1,282	1,790	1,090
Net Interest Income	38,979	38,200	36,560	32,841	28,938	29,340
Net Interest Income Growth	5.04%	4.49%	11.32%	13.49%	-1.37%	9.91%
Gain (Loss) on Sale of Assets	187	-21	2	33	55	35
Gain (Loss) on Sale of Investments	3,882	3,882	1,965	3,109	4,802	425
Other Non-Interest Income	26,745	18,686	11,261	15,145	25,092	11,733
Total Non-Interest Income	30,814	22,547	13,228	18,287	29,949	12,193
Non-Interest Income Growth	123.83%	70.45%	-27.66%	-38.94%	145.63%	-5.44%
Revenues Before Loan Losses	69,793	60,747	49,788	51,128	58,887	41,533
Provision for Loan Losses	1,639	1,639	2,003	462	652	1,706
Revenue	68,154	59,108	47,785	50,666	58,235	39,827
Revenue Growth	39.45%	23.70%	-5.69%	-13.00%	46.22%	4.00%
Selling, General & Administrative	24,511	24,395	23,804	23,025	22,353	22,884
Other Non-Interest Expense	29,733	20,688	13,699	18,290	27,925	5,962
Total Non-Interest Expense	54,244	45,083	37,503	41,315	50,278	28,846
EBT Excluding Unusual Items	13,910	14,025	10,282	9,351	7,957	10,981
Asset Writedown	-4	-4	-221	-63	-66	-456
Other Unusual Items	8,586	8,586	-34	-1	-1	-
Pretax Income	22,492	22,607	10,027	9,287	7,890	10,525
Income Tax Expense	5,087	5,162	3,210	1,999	2,339	2,577
Earnings From Continuing Operations	17,405	17,445	6,817	7,288	5,551	7,948
Minority Interest in Earnings	-	-	-4	-3	-2	-3
Net Income	17,405	17,445	6,813	7,285	5,549	7,945
Net Income to Common	17,405	17,445	6,813	7,285	5,549	7,945
Net Income Growth	144.55%	156.06%	-6.48%	31.29%	-30.16%	19.64%
Basic Shares Outstanding	42	42	42	42	42	42
Diluted Shares Outstanding	42	42	42	42	42	42
Shares Change	0.15%	0.01%	0.08%	0.10%	0.10%	-1.85%
EPS (Basic)	416.74	418.06	163.28	174.75	133.27	191.07
EPS (Diluted)	416.38	417.70	163.14	174.59	133.11	190.78
EPS Growth	144.34%	156.04%	-6.56%	31.16%	-30.23%	21.88%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	60.000	60.000	50.000	40.000	35.000	40.000
Dividend Growth	20.00%	20.00%	25.00%	14.29%	-12.50%	33.33%
Effective Tax Rate	22.62%	22.83%	32.01%	21.52%	29.64%	24.48%