The Kita-Nippon Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	15,049	13,226	12,481	12,270	12,040	11,811
Interest Income on Investments	6,021	5,070	4,547	3,712	3,847	3,337
Total Interest Income	21,070	18,296	17,028	15,982	15,887	15,148
Interest Paid on Deposits	2,391	942	90	106	148	183
Interest Paid on Borrowings	25	14	14	12	10	9
Total Interest Expense	2,416	956	104	118	158	192
Net Interest Income	18,654	17,340	16,924	15,864	15,729	14,956
Net Interest Income Growth (YoY)	8.30%	2.46%	6.68%	0.86%	5.17%	-0.05%
Trust Income	-	323	871	-	-	-
Gain (Loss) on Sale of Assets	-136	-156	-29	-55	-147	-43
Gain (Loss) on Sale of Investments	-	844	2,899	-	-	-
Other Non-Interest Income	7,175	6,933	8,219	7,656	7,255	7,264
Total Non-Interest Income	7,039	7,944	11,960	7,601	7,108	7,221
Non-Interest Income Growth (YoY)	-27.05%	-33.58%	57.35%	6.94%	-1.57%	12.95%
Revenues Before Loan Losses	25,693	25,284	28,884	23,465	22,837	22,177
Provision for Loan Losses	-280	-	1,636	1,129	1,305	1,208
Revenue	25,973	25,284	27,248	22,336	21,532	20,969
Revenue Growth (YoY)	-0.87%	-7.21%	21.99%	3.73%	2.69%	-0.45%
Selling, General & Administrative	13,400	12,971	13,034	12,088	12,171	12,281
Other Non-Interest Expense	7,564	6,892	10,146	6,804	6,730	5,921
Total Non-Interest Expense	20,964	19,863	23,180	18,892	18,901	18,202
EBT Excluding Unusual Items	5,009	5,421	4,068	3,444	2,631	2,767
Asset Writedown	-87	-97	-169	-	-13	-203
Other Unusual Items	-	-	-1	-	-	-1
Pretax Income	4,922	5,324	3,898	3,444	2,618	2,563
Income Tax Expense	1,416	1,313	825	785	507	1,041
Net Income	3,506	4,011	3,073	2,659	2,111	1,522
Net Income to Common	3,506	4,011	3,073	2,659	2,111	1,522
Net Income Growth	-19.20%	30.52%	15.57%	25.96%	38.70%	17.89%
Basic Shares Outstanding	8	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	9	9
Shares Change (YoY)	-1.68%	-0.12%	0.19%	-0.82%	0.13%	-0.36%
EPS (Basic)	421.80	475.58	364.57	316.66	249.41	180.25
EPS (Diluted)	421.11	474.62	363.27	314.88	247.96	179.07
EPS Growth	-17.81%	30.65%	15.37%	26.99%	38.47%	18.35%
Dividend Per Share	144.000	100.000	80.000	60.000	60.000	50.000
Dividend Growth	188.00%	25.00%	33.33%	-	20.00%	-16.67%
Effective Tax Rate	28.77%	24.66%	21.16%	22.79%	19.37%	40.62%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.