Shinkin Central Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	84,616	45,147	26,591	19,739	14,428
Interest Income on Investments	486,072	354,672	257,323	188,513	160,771
Total Interest Income	570,688	399,819	283,914	208,252	175,199
Interest Paid on Deposits	156,718	80,052	42,008	37,241	29,224
Interest Paid on Borrowings	307,976	238,639	135,387	68,022	40,959
Total Interest Expense	464,694	318,691	177,395	105,263	70,183
Net Interest Income	105,994	81,128	106,519	102,989	105,016
Net Interest Income Growth (YoY)	30.65%	-23.84%	3.43%	-1.93%	15.11%
Trust Income	2,493	2,581	2,529	2,391	1,921
Income From Trading Activities	4,408	12,421	23,171	17,633	1,540
Gain (Loss) on Sale of Assets	3,026	-272	-62	-316	6
Gain (Loss) on Sale of Investments	-	3,128	25,115	8,939	7,197
Other Non-Interest Income	84,919	64,630	92,706	135,997	63,295
Total Non-Interest Income	94,846	82,488	143,459	164,644	73,959
Non-Interest Income Growth (YoY)	14.98%	-42.50%	-12.87%	122.62%	-10.43%
Revenues Before Loan Losses	200,840	163,616	249,978	267,633	178,975
Provision for Loan Losses	679	-	-	-	-
Revenue	200,161	163,616	249,978	267,633	178,975
Revenue Growth (YoY)	22.34%	-34.55%	-6.60%	49.54%	2.98%
Selling, General & Administrative	63,551	60,364	59,169	57,580	54,603
Other Non-Interest Expense	77,429	44,940	146,643	174,344	76,192
Total Non-Interest Expense	140,980	105,304	205,812	231,924	130,795
EBT Excluding Unusual Items	59,181	58,312	44,166	35,709	48,180
Asset Writedown	-	-	-83	-52	-
Other Unusual Items	-11	-6	-5	-8	-
Pretax Income	59,170	58,306	44,078	35,649	48,180
Income Tax Expense	15,756	15,334	11,757	9,101	11,897
Earnings From Continuing Operations	43,414	42,972	32,321	26,548	36,283
Minority Interest in Earnings	-408	-523	-176	-327	-341
Net Income	43,006	42,449	32,145	26,221	35,942
Preferred Dividends & Other Adjustments	2,124	2,124	2,124	2,124	2,124
Net Income to Common	40,882	40,325	30,021	24,097	33,818
Net Income Growth	1.31%	32.05%	22.59%	-27.05%	13.56%
Basic Shares Outstanding	9	9	7	7	7
Diluted Shares Outstanding	9	9	7	7	7
Shares Change (YoY)	-	29.50%	0.24%	-	-
EPS (Basic)	4694.64	4630.68	4464.34	3592.16	5041.28
EPS (Diluted)	4694.64	4630.68	4464.34	3592.16	5041.28
EPS Growth	1.38%	3.73%	24.28%	-28.74%	14.54%
Dividend Per Share	6500.000	6500.000	6500.000	6500.000	6500.000
Effective Tax Rate	26.63%	26.30%	26.67%	25.53%	24.69%