North Pacific Bank,Ltd. 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	89,427	67,320	58,020	57,420	57,586
Interest Income on Investments	29,064	19,207	13,539	11,980	11,124
Total Interest Income	118,491	86,527	71,559	69,400	68,710
Interest Paid on Deposits	19,652	6,718	188	137	145
Interest Paid on Borrowings	5,727	1,988	887	1,478	740
Total Interest Expense	25,379	8,706	1,075	1,615	885
Net Interest Income	93,112	77,821	70,484	67,785	67,825
Net Interest Income Growth (YoY)	19.65%	10.41%	3.98%	-0.06%	4.69%
Gain (Loss) on Sale of Assets	-354	-241	-235	-201	-385
Gain (Loss) on Sale of Investments	-	4,744	5,393	2,491	-2,151
Other Non-Interest Income	117,436	59,120	56,146	54,145	54,676
Total Non-Interest Income	117,082	63,623	61,304	56,435	52,140
Non-Interest Income Growth (YoY)	84.03%	3.78%	8.63%	8.24%	-24.07%
Revenues Before Loan Losses	210,194	141,444	131,788	124,220	119,965
Provision for Loan Losses	4,452	3,237	5,255	5,266	2,820
Revenue	205,742	138,207	126,533	118,954	117,145
Revenue Growth (YoY)	48.86%	9.23%	6.37%	1.54%	-6.86%
Selling, General & Administrative	72,661	68,337	67,063	67,398	64,038
Other Non-Interest Expense	95,904	42,042	41,100	34,445	34,247
Total Non-Interest Expense	168,565	110,379	108,163	101,843	98,285
EBT Excluding Unusual Items	37,177	27,828	18,370	17,111	18,860
Asset Writedown	-66	-286	-81	-302	-644
Other Unusual Items	-	-1	-1	-999	24
Pretax Income	37,111	27,541	18,288	15,810	18,240
Income Tax Expense	11,468	7,007	5,417	6,566	6,319
Earnings From Continuing Operations	25,643	20,534	12,871	9,244	11,921
Minority Interest in Earnings	-42	74	-41	403	-165
Net Income	25,601	20,608	12,830	9,647	11,756
Net Income to Common	25,601	20,608	12,830	9,647	11,756
Net Income Growth	24.23%	60.62%	33.00%	-17.94%	24.77%
Basic Shares Outstanding	376	382	385	385	389
Diluted Shares Outstanding	376	382	385	385	389
Shares Change (YoY)	-1.57%	-0.71%	-0.13%	-0.81%	-0.06%
EPS (Basic)	68.05	53.92	33.33	25.03	30.26
EPS (Diluted)	68.04	53.91	33.32	25.02	30.25
EPS Growth	26.21%	61.80%	33.17%	-17.29%	24.84%
Dividend Per Share	-	19.000	10.000	10.000	10.000
Dividend Growth	-	90.00%	-	-	-
Effective Tax Rate	30.90%	25.44%	29.62%	41.53%	34.64%

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