Shinkin Central Bank (TYO: 8421)

Shinkin Central Bank 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	Jun 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	32,573	26,591	19,739	14,428	16,421	20,263
Interest Income on Investments	281,655	257,323	188,513	160,771	158,741	186,939
Total Interest Income	314,228	283,914	208,252	175,199	175,162	207,202
Interest Paid on Deposits	75,310	42,008	37,241	29,224	33,299	41,882
Interest Paid on Borrowings	135,551	135,387	68,022	40,959	50,631	71,818
Total Interest Expense	210,861	177,395	105,263	70,183	83,930	113,700
Net Interest Income	103,367	106,519	102,989	105,016	91,232	93,502
Net Interest Income Growth (YoY)	10.14%	3.43%	-1.93%	15.11%	-2.43%	25.98%
Trust Income	2,548	2,529	2,391	1,921	1,258	759
Income From Trading Activities	21,535	23,171	17,633	1,540	1,352	2,001
Gain (Loss) on Sale of Assets	-62	-62	-316	6	-128	-266
Gain (Loss) on Sale of Investments	22,286	25,115	8,939	7,197	6,263	-4,498
Other Non-Interest Income	81,935	92,706	135,997	63,295	73,823	89,789
Total Non-Interest Income	128,242	143,459	164,644	73,959	82,568	87,785
Non-Interest Income Growth (YoY)	-22.32%	-12.87%	122.62%	-10.43%	-5.94%	-11.54%
Revenues Before Loan Losses	231,609	249,978	267,633	178,975	173,800	181,287
Provision for Loan Losses	-	-	-	-	-	832
Revenue	231,609	249,978	267,633	178,975	173,800	180,455
Revenue Growth (YoY)	-10.55%	-6.60%	49.54%	2.98%	-3.69%	4.04%
Selling, General & Administrative	59,216	59,169	57,580	54,603	54,715	53,645
Other Non-Interest Expense	121,365	146,643	174,344	76,192	75,661	70,366
Total Non-Interest Expense	180,581	205,812	231,924	130,795	130,376	124,011
EBT Excluding Unusual Items	51,028	44,166	35,709	48,180	43,424	56,444
Asset Writedown	-83	-83	-52	-	-	-86
Other Unusual Items	-6	-5	-8	-	-	-1
Pretax Income	50,939	44,078	35,649	48,180	43,424	56,357
Income Tax Expense	13,707	11,757	9,101	11,897	11,385	15,656
Earnings From Continuing Operations	37,232	32,321	26,548	36,283	32,039	40,701
Minority Interest in Earnings	-237	-176	-327	-341	-390	-474
Net Income	36,995	32,145	26,221	35,942	31,649	40,227
Preferred Dividends & Other Adjustments	2,124	2,124	2,124	2,124	2,124	2,124
Net Income to Common	34,871	30,021	24,097	33,818	29,525	38,103
Net Income Growth	88.63%	22.59%	-27.05%	13.56%	-21.32%	-10.17%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change (YoY)	7.70%	0.24%	-	-	-	-
EPS (Basic)	4826.69	4464.34	3592.16	5041.28	4401.32	5680.04
EPS (Diluted)	4826.69	4464.34	3592.16	5041.28	4401.32	5680.04
EPS Growth	85.15%	24.28%	-28.75%	14.54%	-22.51%	-10.68%
Dividend Per Share	6500.000	6500.000	6500.000	6500.000	6500.000	6500.000
Effective Tax Rate	26.91%	26.67%	25.53%	24.69%	26.22%	27.78%

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