The Keiyo Bank, Ltd. (TYO:8544)

The Keiyo Bank Income Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	50,895	39,414	36,084	35,224	35,571
Interest Income on Investments	18,142	14,692	11,513	11,397	13,395
Total Interest Income	69,037	54,106	47,597	46,621	48,966
Interest Paid on Deposits	11,654	3,627	217	209	218
Interest Paid on Borrowings	2,366	1,128	403	428	411
Total Interest Expense	14,020	4,755	620	637	629
Net Interest Income	55,017	49,351	46,977	45,984	48,337
Net Interest Income Growth (YoY)	11.48%	5.05%	2.16%	-4.87%	2.72%
Gain (Loss) on Sale of Assets	-117	-81	-1	-47	-160
Gain (Loss) on Sale of Investments	-	9,065	4,952	3,313	1,834
Other Non-Interest Income	39,619	15,730	16,527	15,632	14,573
Total Non-Interest Income	39,502	24,714	21,478	18,898	16,247
Non-Interest Income Growth (YoY)	59.84%	15.07%	13.65%	16.32%	10.73%
Revenues Before Loan Losses	94,519	74,065	68,455	64,882	64,584
Provision for Loan Losses	632	426	592	6	2,790
Revenue	93,887	73,639	67,863	64,876	61,794
Revenue Growth (YoY)	27.50%	8.51%	4.60%	4.99%	7.41%
Selling, General & Administrative	41,321	39,305	35,003	34,769	35,533
Other Non-Interest Expense	30,233	16,202	17,184	14,980	10,213
Total Non-Interest Expense	71,554	55,507	52,187	49,749	45,746
EBT Excluding Unusual Items	22,333	18,132	15,676	15,127	16,048
Asset Writedown	-18	-211	-1	-53	-8
Other Unusual Items	-	-	-	-1	104
Pretax Income	22,315	17,921	15,675	15,073	16,144
Income Tax Expense	6,246	4,990	4,664	4,479	4,783
Earnings From Continuing Operations	16,069	12,931	11,011	10,594	11,361
Minority Interest in Earnings	-157	-175	-133	-204	-176
Net Income	15,912	12,756	10,878	10,390	11,185
Net Income to Common	15,912	12,756	10,878	10,390	11,185
Net Income Growth	24.74%	17.26%	4.70%	-7.11%	51.50%
Basic Shares Outstanding	121	123	125	127	129
Diluted Shares Outstanding	121	123	125	127	129
Shares Change (YoY)	-1.41%	-1.83%	-1.67%	-1.40%	-1.73%
EPS (Basic)	131.66	104.06	87.11	81.81	86.83
EPS (Diluted)	131.66	104.06	87.11	81.81	86.83
EPS Growth	26.53%	19.45%	6.48%	-5.79%	54.18%
Dividend Per Share	-	30.000	24.000	21.000	20.500
Dividend Growth	-	25.00%	14.29%	2.44%	7.90%
Effective Tax Rate	27.99%	27.84%	29.75%	29.72%	29.63%

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