North Pacific Bank,Ltd. (TYO:8524)

North Pacific Bank,Ltd. 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	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	91,219	67,320	58,020	57,420	57,586	58,133
Interest Income on Investments	17,344	19,207	13,539	11,980	11,124	8,564
Total Interest Income	108,563	86,527	71,559	69,400	68,710	66,697
Interest Paid on Deposits	20,637	6,718	188	137	145	249
Interest Paid on Borrowings	728	1,988	887	1,478	740	1,663
Total Interest Expense	21,365	8,706	1,075	1,615	885	1,912
Net Interest Income	87,198	77,821	70,484	67,785	67,825	64,785
Net Interest Income Growth (YoY)	15.17%	10.41%	3.98%	-0.06%	4.69%	-1.25%
Gain (Loss) on Sale of Assets	-412	-241	-235	-201	-385	-231
Gain (Loss) on Sale of Investments	4,744	4,744	5,393	2,491	-2,151	5,938
Other Non-Interest Income	67,821	59,120	56,146	54,145	54,676	62,960
Total Non-Interest Income	72,153	63,623	61,304	56,435	52,140	68,667
Non-Interest Income Growth (YoY)	13.44%	3.78%	8.63%	8.24%	-24.07%	12.14%
Revenues Before Loan Losses	159,351	141,444	131,788	124,220	119,965	133,452
Provision for Loan Losses	3,237	3,237	5,255	5,266	2,820	7,674
Revenue	156,114	138,207	126,533	118,954	117,145	125,778
Revenue Growth (YoY)	16.45%	9.23%	6.37%	1.54%	-6.86%	0.97%
Selling, General & Administrative	71,535	68,337	67,063	67,398	64,038	68,345
Other Non-Interest Expense	45,260	42,042	41,100	34,445	34,247	41,898
Total Non-Interest Expense	116,795	110,379	108,163	101,843	98,285	110,243
EBT Excluding Unusual Items	39,319	27,828	18,370	17,111	18,860	15,535
Asset Writedown	-90	-286	-81	-302	-644	-828
Other Unusual Items	-55	-1	-1	-999	24	-
Pretax Income	39,174	27,541	18,288	15,810	18,240	14,707
Income Tax Expense	10,776	7,007	5,417	6,566	6,319	4,963
Earnings From Continuing Operations	28,398	20,534	12,871	9,244	11,921	9,744
Minority Interest in Earnings	37	74	-41	403	-165	-322
Net Income	28,435	20,608	12,830	9,647	11,756	9,422
Net Income to Common	28,435	20,608	12,830	9,647	11,756	9,422
Net Income Growth	84.70%	60.62%	33.00%	-17.94%	24.77%	24.56%
Basic Shares Outstanding	377	382	385	385	389	389
Diluted Shares Outstanding	377	382	385	385	389	389
Shares Change (YoY)	-1.39%	-0.71%	-0.13%	-0.81%	-0.06%	-0.35%
EPS (Basic)	75.34	53.92	33.33	25.03	30.26	24.25
EPS (Diluted)	75.34	53.91	33.32	25.02	30.25	24.23
EPS Growth	87.66%	61.80%	33.17%	-17.29%	24.84%	25.03%
Dividend Per Share	12.500	19.000	10.000	10.000	10.000	10.000
Dividend Growth	8.70%	90.00%	-	-	-	-
Effective Tax Rate	27.51%	25.44%	29.62%	41.53%	34.64%	33.75%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.