Yamaguchi Financial Group, Inc. (TYO: 8418)

Yamaguchi Financial Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	114,217	106,397	86,339	67,601	69,206	76,019
Interest Income on Investments	30,636	26,305	18,520	24,638	38,226	22,348
Total Interest Income	144,853	132,702	104,859	92,239	107,432	98,367
Interest Paid on Deposits	736	4,971	3,596	1,595	2,275	5,113
Interest Paid on Borrowings	27,604	27,604	13,592	3,869	3,570	5,098
Total Interest Expense	28,340	32,575	17,188	5,464	5,845	10,211
Net Interest Income	116,513	100,127	87,671	86,775	101,587	88,156
Net Interest Income Growth (YoY)	30.68%	14.21%	1.03%	-14.58%	15.24%	0.16%
Trust Income	-107	-	-	-	-	984
Income From Trading Activities	129	998	1,094	1,752	1,924	1,304
Gain (Loss) on Sale of Assets	402	260	168	-89	733	-105
Gain (Loss) on Sale of Investments	7,485	4,490	6,753	-3,801	18,127	8,615
Other Non-Interest Income	48,399	45,186	41,702	49,301	54,605	60,910
Total Non-Interest Income	56,308	50,934	49,717	47,163	75,389	71,708
Non-Interest Income Growth (YoY)	9.16%	2.45%	5.42%	-37.44%	5.13%	16.63%
Revenues Before Loan Losses	172,821	151,061	137,388	133,938	176,976	159,864
Provision for Loan Losses	7,109	4,408	6,243	22,047	8,964	11,751
Revenue	165,712	146,653	131,145	111,891	168,012	148,113
Revenue Growth (YoY)	23.99%	11.83%	17.21%	-33.40%	13.44%	4.29%
Selling, General & Administrative	64,121	63,328	61,155	60,562	64,540	69,271
Other Non-Interest Expense	59,179	45,784	44,125	59,054	65,774	42,343
Total Non-Interest Expense	123,300	109,112	105,280	119,616	130,314	111,614
EBT Excluding Unusual Items	42,412	37,541	25,865	-7,725	37,698	36,499
Asset Writedown	-301	-343	-592	-5,631	-381	-143
Other Unusual Items	252	11	1,412	7,852	-523	2
Pretax Income	42,363	37,209	26,685	-5,504	36,794	36,358
Income Tax Expense	14,376	11,861	8,641	7,372	11,785	11,112
Earnings From Continuing Operations	27,987	25,348	18,044	-12,876	25,009	25,246
Minority Interest in Earnings	-170	-132	-150	-129	-52	145
Net Income	27,817	25,216	17,894	-13,005	24,957	25,391
Net Income to Common	27,817	25,216	17,894	-13,005	24,957	25,391
Net Income Growth	44.87%	40.92%	-	-	-1.71%	9.69%
Basic Shares Outstanding	217	221	231	244	250	254
Diluted Shares Outstanding	217	221	231	244	251	275
Shares Change (YoY)	-3.66%	-4.48%	-5.27%	-2.61%	-8.78%	-3.11%
EPS (Basic)	128.12	114.18	77.41	-53.28	99.63	100.06
EPS (Diluted)	128.10	114.17	77.39	-53.28	99.59	93.86
EPS Growth	50.38%	47.53%	-	-	6.10%	12.73%
Dividend Per Share	22.000	43.000	31.000	28.000	26.000	24.000
Dividend Growth	-40.54%	38.71%	10.71%	7.69%	8.33%	9.09%
Effective Tax Rate	33.94%	31.88%	32.38%	-	32.03%	30.56%

Source: S&P Capital IQ. Banks template. Financial Sources.