The Bank Of Kochi, Ltd. (TYO:8416)

The Bank Of Kochi 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	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	10,821	9,865	9,716	9,577	9,691	9,989
Interest Income on Investments	4,310	3,848	4,043	4,044	3,858	3,842
Total Interest Income	15,131	13,713	13,759	13,621	13,549	13,831
Interest Paid on Deposits	2,079	670	161	160	203	373
Interest Paid on Borrowings	66	66	35	85	23	35
Total Interest Expense	2,145	736	196	245	226	408
Net Interest Income	12,986	12,977	13,563	13,376	13,323	13,423
Net Interest Income Growth (YoY)	-3.02%	-4.32%	1.40%	0.40%	-0.74%	-1.08%
Trust Income	-	-	73	28	23	117
Gain (Loss) on Sale of Assets	-68	-8	-18	-14	147	197
Gain (Loss) on Sale of Investments	572	572	1,107	772	-15	1,532
Other Non-Interest Income	10,345	8,870	7,895	8,582	8,303	7,240
Total Non-Interest Income	10,849	9,434	9,057	9,368	8,458	9,086
Non-Interest Income Growth (YoY)	14.01%	4.16%	-3.32%	10.76%	-6.91%	7.00%
Revenues Before Loan Losses	23,835	22,411	22,620	22,744	21,781	22,509
Provision for Loan Losses	307	307	845	975	1,171	2,101
Revenue	23,528	22,104	21,775	21,769	20,610	20,408
Revenue Growth (YoY)	4.50%	1.51%	0.03%	5.62%	0.99%	-6.16%
Selling, General & Administrative	11,871	11,870	11,965	11,290	11,254	11,539
Other Non-Interest Expense	11,377	9,019	7,876	7,942	6,896	7,049
Total Non-Interest Expense	23,248	20,889	19,841	19,232	18,150	18,588
EBT Excluding Unusual Items	280	1,215	1,934	2,537	2,460	1,820
Asset Writedown	-	-30	-35	-9	-81	-6
Other Unusual Items	1	-	-1	-1	-1	-1
Pretax Income	281	1,185	1,898	2,527	2,378	1,813
Income Tax Expense	184	259	540	862	677	871
Earnings From Continuing Operations	97	926	1,358	1,665	1,701	942
Minority Interest in Earnings	-62	-66	-107	-64	-95	-65
Net Income	35	860	1,251	1,601	1,606	877
Preferred Dividends & Other Adjustments	119	119	119	194	188	186
Net Income to Common	-84	741	1,132	1,407	1,418	691
Net Income Growth	-95.79%	-31.25%	-21.86%	-0.31%	83.12%	-35.23%
Basic Shares Outstanding	10	10	10	10	10	10
Diluted Shares Outstanding	10	17	30	32	29	31
Shares Change (YoY)	-42.25%	-44.96%	-6.70%	11.03%	-6.15%	6.59%
EPS (Basic)	-8.31	73.34	111.94	139.27	140.19	68.32
EPS (Diluted)	-8.31	51.90	41.55	49.62	55.26	28.32
EPS Growth	-	24.89%	-16.25%	-10.21%	95.13%	-39.23%
Dividend Per Share	15.000	25.000	25.000	25.000	25.000	25.000
Effective Tax Rate	65.48%	21.86%	28.45%	34.11%	28.47%	48.04%

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