The Bank of Nagoya, Ltd. (TYO:8522)

The Bank of Nagoya 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	40,209	32,708	28,777	27,121	26,033	24,803
Interest Income on Investments	20,321	18,069	12,357	9,353	7,078	5,864
Total Interest Income	60,530	50,777	41,134	36,474	33,111	30,667
Interest Paid on Deposits	10,147	4,780	1,535	956	426	500
Interest Paid on Borrowings	5,341	5,341	6,983	5,037	594	697
Total Interest Expense	15,488	10,121	8,518	5,993	1,020	1,197
Net Interest Income	45,042	40,656	32,616	30,481	32,091	29,470
Net Interest Income Growth (YoY)	24.95%	24.65%	7.00%	-5.02%	8.89%	9.10%
Trust Income	76	61	48	58	51	-
Gain (Loss) on Sale of Assets	306	-124	1	-13	-38	6,278
Gain (Loss) on Sale of Investments	10,103	8,771	19,452	5,634	6,804	3,536
Other Non-Interest Income	44,073	42,950	40,478	37,400	37,610	34,586
Total Non-Interest Income	54,558	51,658	59,979	43,079	44,427	44,400
Non-Interest Income Growth (YoY)	-5.51%	-13.87%	39.23%	-3.03%	0.06%	28.17%
Revenues Before Loan Losses	99,600	92,314	92,595	73,560	76,518	73,870
Provision for Loan Losses	1,509	641	3,477	1,397	2,265	1,397
Revenue	98,091	91,673	89,118	72,163	74,253	72,473
Revenue Growth (YoY)	6.11%	2.87%	23.49%	-2.81%	2.46%	19.82%
Selling, General & Administrative	32,387	31,074	31,030	30,918	32,235	32,851
Other Non-Interest Expense	42,061	39,825	43,575	29,764	26,337	23,468
Total Non-Interest Expense	74,448	70,899	74,605	60,682	58,572	56,319
EBT Excluding Unusual Items	23,643	20,774	14,513	11,481	15,681	16,154
Asset Writedown	-73	-73	-	-	-	-618
Other Unusual Items	-	-	-	-	377	-
Pretax Income	23,570	20,701	14,513	11,481	16,058	15,536
Income Tax Expense	7,204	5,971	4,477	3,104	4,381	4,766
Earnings From Continuing Operations	16,366	14,730	10,036	8,377	11,677	10,770
Minority Interest in Earnings	-	-	-	-	-34	-44
Net Income	16,366	14,730	10,036	8,377	11,643	10,726
Net Income to Common	16,366	14,730	10,036	8,377	11,643	10,726
Net Income Growth	25.47%	46.77%	19.80%	-28.05%	8.55%	131.91%
Basic Shares Outstanding	49	49	51	52	54	54
Diluted Shares Outstanding	49	49	51	52	54	54
Shares Change (YoY)	-1.29%	-2.76%	-2.49%	-3.64%	-0.97%	-3.36%
EPS (Basic)	332.77	298.92	198.04	161.31	216.42	197.41
EPS (Diluted)	332.77	298.92	198.04	161.20	215.87	196.94
EPS Growth	27.11%	50.93%	22.86%	-25.32%	9.61%	139.96%
Dividend Per Share	203.333	90.000	60.000	40.000	40.000	23.333
Dividend Growth	190.48%	50.00%	50.00%	-	71.43%	-
Effective Tax Rate	30.56%	28.84%	30.85%	27.04%	27.28%	30.68%

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