Shinkin Central Bank (TYO:8421)

Shinkin Central Bank 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	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	88,880	45,147	26,591	19,739	14,428	16,421
Interest Income on Investments	398,636	354,672	257,323	188,513	160,771	158,741
Total Interest Income	487,516	399,819	283,914	208,252	175,199	175,162
Interest Paid on Deposits	153,017	80,052	42,008	37,241	29,224	33,299
Interest Paid on Borrowings	239,703	238,639	135,387	68,022	40,959	50,631
Total Interest Expense	392,720	318,691	177,395	105,263	70,183	83,930
Net Interest Income	94,796	81,128	106,519	102,989	105,016	91,232
Net Interest Income Growth (YoY)	-6.17%	-23.84%	3.43%	-1.93%	15.11%	-2.43%
Trust Income	2,581	2,581	2,529	2,391	1,921	1,258
Income From Trading Activities	6,180	12,421	23,171	17,633	1,540	1,352
Gain (Loss) on Sale of Assets	-656	-272	-62	-316	6	-128
Gain (Loss) on Sale of Investments	14	3,128	25,115	8,939	7,197	6,263
Other Non-Interest Income	79,248	64,630	92,706	135,997	63,295	73,823
Total Non-Interest Income	87,367	82,488	143,459	164,644	73,959	82,568
Non-Interest Income Growth (YoY)	-22.21%	-42.50%	-12.87%	122.62%	-10.43%	-5.94%
Revenues Before Loan Losses	182,163	163,616	249,978	267,633	178,975	173,800
Revenue	182,163	163,616	249,978	267,633	178,975	173,800
Revenue Growth (YoY)	-14.61%	-34.55%	-6.60%	49.54%	2.98%	-3.69%
Selling, General & Administrative	62,311	60,364	59,169	57,580	54,603	54,715
Other Non-Interest Expense	61,047	44,940	146,643	174,344	76,192	75,661
Total Non-Interest Expense	123,358	105,304	205,812	231,924	130,795	130,376
EBT Excluding Unusual Items	58,805	58,312	44,166	35,709	48,180	43,424
Asset Writedown	-	-	-83	-52	-	-
Other Unusual Items	-8	-6	-5	-8	-	-
Pretax Income	58,797	58,306	44,078	35,649	48,180	43,424
Income Tax Expense	15,196	15,334	11,757	9,101	11,897	11,385
Earnings From Continuing Operations	43,601	42,972	32,321	26,548	36,283	32,039
Minority Interest in Earnings	-461	-523	-176	-327	-341	-390
Net Income	43,140	42,449	32,145	26,221	35,942	31,649
Preferred Dividends & Other Adjustments	2,124	2,124	2,124	2,124	2,124	2,124
Net Income to Common	41,016	40,325	30,021	24,097	33,818	29,525
Net Income Growth	18.21%	32.05%	22.59%	-27.05%	13.56%	-21.32%
Basic Shares Outstanding	9	9	7	7	7	7
Diluted Shares Outstanding	9	9	7	7	7	7
Shares Change (YoY)	12.73%	29.50%	0.24%	-	-	-
EPS (Basic)	4710.03	4630.68	4464.34	3592.16	5041.28	4401.32
EPS (Diluted)	4710.03	4630.68	4464.34	3592.16	5041.28	4401.32
EPS Growth	5.85%	3.73%	24.28%	-28.74%	14.54%	-22.51%
Dividend Per Share	6500.000	6500.000	6500.000	6500.000	6500.000	6500.000
Effective Tax Rate	25.85%	26.30%	26.67%	25.53%	24.69%	26.22%

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