The Miyazaki Bank, Ltd. (TYO:8393)

The Miyazaki 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	30,411	28,460	27,849	27,194	26,733
Interest Income on Investments	24,206	15,088	16,813	10,618	8,015
Total Interest Income	54,617	43,548	44,662	37,812	34,748
Interest Paid on Deposits	1,903	136	121	114	171
Interest Paid on Borrowings	14,366	9,574	2,959	466	531
Total Interest Expense	16,269	9,710	3,080	580	702
Net Interest Income	38,348	33,838	41,582	37,232	34,046
Net Interest Income Growth (YoY)	13.33%	-18.62%	11.68%	9.36%	0.58%
Gain (Loss) on Sale of Assets	-57	8	-23	-42	-4
Gain (Loss) on Sale of Investments	-	3,629	-820	1,946	1,434
Other Non-Interest Income	25,573	20,151	21,086	19,193	17,789
Total Non-Interest Income	25,516	23,788	20,243	21,097	19,219
Non-Interest Income Growth (YoY)	7.26%	17.51%	-4.05%	9.77%	5.79%
Revenues Before Loan Losses	63,864	57,626	61,825	58,329	53,265
Provision for Loan Losses	3,509	3,032	2,857	4,759	1,718
Revenue	60,355	54,594	58,968	53,570	51,547
Revenue Growth (YoY)	10.55%	-7.42%	10.08%	3.92%	2.09%
Selling, General & Administrative	25,095	25,521	25,212	25,866	26,277
Other Non-Interest Expense	21,372	19,080	21,933	16,212	13,247
Total Non-Interest Expense	46,467	44,601	47,145	42,078	39,524
EBT Excluding Unusual Items	13,888	9,993	11,823	11,492	12,023
Asset Writedown	-	-	-27	-20	-
Pretax Income	13,888	9,993	11,796	11,472	12,023
Income Tax Expense	4,104	2,906	3,670	3,999	4,024
Earnings From Continuing Operations	9,784	7,087	8,126	7,473	7,999
Minority Interest in Earnings	-	-	-	-	-4
Net Income	9,784	7,087	8,126	7,473	7,995
Net Income to Common	9,784	7,087	8,126	7,473	7,995
Net Income Growth	38.06%	-12.79%	8.74%	-6.53%	12.21%
Basic Shares Outstanding	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17
Shares Change (YoY)	-1.46%	0.10%	0.13%	0.14%	0.12%
EPS (Basic)	573.92	409.51	470.72	433.24	463.59
EPS (Diluted)	571.33	407.79	468.05	431.01	461.74
EPS Growth	40.10%	-12.88%	8.59%	-6.65%	12.07%
Dividend Per Share	110.000	100.000	100.000	100.000	100.000
Dividend Growth	10.00%	-	-	-	-
Effective Tax Rate	29.55%	29.08%	31.11%	34.86%	33.47%

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