The Keiyo Bank, Ltd. (TYO:8544)

The Keiyo Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	37,786	36,084	35,224	35,571	36,095	36,646
Interest Income on Investments	13,489	11,513	11,397	13,395	11,715	11,284
Total Interest Income	51,275	47,597	46,621	48,966	47,810	47,930
Interest Paid on Deposits	2,071	217	209	218	325	456
Interest Paid on Borrowings	403	403	428	411	428	322
Total Interest Expense	2,474	620	637	629	753	778
Net Interest Income	48,801	46,977	45,984	48,337	47,057	47,152
Net Interest Income Growth (YoY)	4.43%	2.16%	-4.87%	2.72%	-0.20%	-1.61%
Gain (Loss) on Sale of Assets	-17	-1	-47	-160	-134	108
Gain (Loss) on Sale of Investments	4,952	4,952	3,313	1,834	1,596	5,712
Other Non-Interest Income	17,443	16,527	15,632	14,573	13,211	13,685
Total Non-Interest Income	22,378	21,478	18,898	16,247	14,673	19,505
Non-Interest Income Growth (YoY)	5.86%	13.65%	16.32%	10.73%	-24.77%	4.70%
Revenues Before Loan Losses	71,179	68,455	64,882	64,584	61,730	66,657
Provision for Loan Losses	592	592	6	2,790	4,200	13,214
Revenue	70,587	67,863	64,876	61,794	57,530	53,443
Revenue Growth (YoY)	4.86%	4.60%	4.99%	7.41%	7.65%	-12.97%
Selling, General & Administrative	36,102	35,003	34,769	35,533	36,647	37,067
Other Non-Interest Expense	14,295	17,184	14,980	10,213	9,030	8,088
Total Non-Interest Expense	50,397	52,187	49,749	45,746	45,677	45,155
EBT Excluding Unusual Items	20,190	15,676	15,127	16,048	11,853	8,288
Asset Writedown	-35	-1	-53	-8	-987	-202
Other Unusual Items	-	-	-1	104	-1	-
Pretax Income	20,155	15,675	15,073	16,144	10,865	8,086
Income Tax Expense	5,978	4,664	4,479	4,783	3,246	2,316
Earnings From Continuing Operations	14,177	11,011	10,594	11,361	7,619	5,770
Minority Interest in Earnings	-136	-133	-204	-176	-236	-206
Net Income	14,041	10,878	10,390	11,185	7,383	5,564
Net Income to Common	14,041	10,878	10,390	11,185	7,383	5,564
Net Income Growth	31.73%	4.70%	-7.11%	51.50%	32.69%	-47.25%
Basic Shares Outstanding	121	125	127	129	131	131
Diluted Shares Outstanding	121	125	127	129	131	131
Shares Change (YoY)	-3.59%	-1.67%	-1.40%	-1.73%	-0.15%	-0.79%
EPS (Basic)	114.01	87.11	81.81	86.83	56.52	42.51
EPS (Diluted)	114.01	87.11	81.81	86.83	56.32	42.39
EPS Growth	34.43%	6.48%	-5.79%	54.18%	32.86%	-46.82%
Dividend Per Share	26.500	24.000	21.000	20.500	19.000	20.000
Dividend Growth	20.46%	14.29%	2.44%	7.90%	-5.00%	-9.09%
Effective Tax Rate	-	29.75%	29.72%	29.63%	29.88%	28.64%

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