The Ehime Bank, Ltd. (TYO:8541)

The Ehime Bank 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	32,060	31,477	31,617	27,364	23,235	23,811
Interest Income on Investments	19,197	19,975	20,261	14,403	9,012	8,201
Total Interest Income	51,257	51,452	51,878	41,767	32,247	32,012
Interest Paid on Deposits	6,004	6,161	4,088	2,063	727	888
Interest Paid on Borrowings	10,600	10,600	12,564	6,537	749	1,250
Total Interest Expense	16,604	16,761	16,652	8,600	1,476	2,138
Net Interest Income	34,653	34,691	35,226	33,167	30,771	29,874
Net Interest Income Growth (YoY)	0.02%	-1.52%	6.21%	7.79%	3.00%	-2.63%
Gain (Loss) on Sale of Assets	-30	-37	-143	-101	-26	-83
Gain (Loss) on Sale of Investments	4,231	3,368	3,322	736	-63	-389
Other Non-Interest Income	11,735	10,935	9,747	9,514	9,977	11,033
Total Non-Interest Income	15,936	14,266	12,926	10,149	9,888	10,561
Non-Interest Income Growth (YoY)	35.89%	10.37%	27.36%	2.64%	-6.37%	1.41%
Revenues Before Loan Losses	50,589	48,957	48,152	43,316	40,659	40,435
Provision for Loan Losses	1,550	1,642	592	1,074	1,138	1,281
Revenue	49,039	47,315	47,560	42,242	39,521	39,154
Revenue Growth (YoY)	6.38%	-0.52%	12.59%	6.88%	0.94%	-3.54%
Selling, General & Administrative	25,774	25,464	24,571	24,456	24,085	24,166
Other Non-Interest Expense	14,955	14,055	15,225	9,535	6,128	6,389
Total Non-Interest Expense	40,729	39,519	39,796	33,991	30,213	30,555
EBT Excluding Unusual Items	8,310	7,796	7,764	8,251	9,308	8,599
Asset Writedown	-60	-85	-679	-66	-504	-478
Other Unusual Items	1	-	-	-	-	-1
Pretax Income	8,251	7,711	7,085	8,185	8,804	8,120
Income Tax Expense	2,075	1,989	2,014	2,778	3,003	2,568
Earnings From Continuing Operations	6,176	5,722	5,071	5,407	5,801	5,552
Minority Interest in Earnings	-14	-7	-16	-16	-22	-105
Net Income	6,162	5,715	5,055	5,391	5,779	5,447
Net Income to Common	6,162	5,715	5,055	5,391	5,779	5,447
Net Income Growth	27.68%	13.06%	-6.23%	-6.71%	6.09%	-3.90%
Basic Shares Outstanding	39	39	39	39	39	39
Diluted Shares Outstanding	39	39	39	39	39	39
Shares Change (YoY)	0.04%	-0.14%	-0.00%	0.04%	-0.14%	-6.89%
EPS (Basic)	157.80	146.46	129.37	137.96	147.95	139.26
EPS (Diluted)	157.80	146.46	129.37	137.96	147.95	139.26
EPS Growth	27.63%	13.21%	-6.23%	-6.75%	6.24%	3.16%
Dividend Per Share	34.000	34.000	32.000	30.000	30.000	30.000
Dividend Growth	-	6.25%	6.67%	-	-	-
Effective Tax Rate	25.15%	25.79%	28.43%	33.94%	34.11%	31.63%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.