The Keiyo Bank, Ltd. (TYO:8544)

The Keiyo Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	39,414	36,084	35,224	35,571	36,095
Interest Income on Investments	14,692	11,513	11,397	13,395	11,715
Total Interest Income	54,106	47,597	46,621	48,966	47,810
Interest Paid on Deposits	3,627	217	209	218	325
Interest Paid on Borrowings	1,128	403	428	411	428
Total Interest Expense	4,755	620	637	629	753
Net Interest Income	49,351	46,977	45,984	48,337	47,057
Net Interest Income Growth (YoY)	5.05%	2.16%	-4.87%	2.72%	-0.20%
Gain (Loss) on Sale of Assets	-81	-1	-47	-160	-134
Gain (Loss) on Sale of Investments	9,065	4,952	3,313	1,834	1,596
Other Non-Interest Income	15,730	16,527	15,632	14,573	13,211
Total Non-Interest Income	24,714	21,478	18,898	16,247	14,673
Non-Interest Income Growth (YoY)	15.07%	13.65%	16.32%	10.73%	-24.77%
Revenues Before Loan Losses	74,065	68,455	64,882	64,584	61,730
Provision for Loan Losses	426	592	6	2,790	4,200
Revenue	73,639	67,863	64,876	61,794	57,530
Revenue Growth (YoY)	8.51%	4.60%	4.99%	7.41%	7.65%
Selling, General & Administrative	39,305	35,003	34,769	35,533	36,647
Other Non-Interest Expense	16,202	17,184	14,980	10,213	9,030
Total Non-Interest Expense	55,507	52,187	49,749	45,746	45,677
EBT Excluding Unusual Items	18,132	15,676	15,127	16,048	11,853
Asset Writedown	-211	-1	-53	-8	-987
Other Unusual Items	-	-	-1	104	-1
Pretax Income	17,921	15,675	15,073	16,144	10,865
Income Tax Expense	4,990	4,664	4,479	4,783	3,246
Earnings From Continuing Operations	12,931	11,011	10,594	11,361	7,619
Minority Interest in Earnings	-175	-133	-204	-176	-236
Net Income	12,756	10,878	10,390	11,185	7,383
Net Income to Common	12,756	10,878	10,390	11,185	7,383
Net Income Growth	17.26%	4.70%	-7.11%	51.50%	32.69%
Basic Shares Outstanding	123	125	127	129	131
Diluted Shares Outstanding	123	125	127	129	131
Shares Change (YoY)	-1.83%	-1.67%	-1.40%	-1.73%	-0.15%
EPS (Basic)	104.06	87.11	81.81	86.83	56.52
EPS (Diluted)	104.06	87.11	81.81	86.83	56.32
EPS Growth	19.45%	6.48%	-5.79%	54.18%	32.86%
Dividend Per Share	-	24.000	21.000	20.500	19.000
Dividend Growth	-	14.29%	2.44%	7.90%	-5.00%
Effective Tax Rate	27.84%	29.75%	29.72%	29.63%	29.88%

Updated Feb 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.