The 77 Bank, Ltd. (TYO:8341)

The 77 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	60,695	52,041	46,714	42,341	41,618
Interest Income on Investments	49,905	42,918	32,393	29,873	29,591
Total Interest Income	110,600	94,959	79,107	72,214	71,209
Interest Paid on Deposits	5,817	654	428	184	327
Interest Paid on Borrowings	1,741	1,577	809	419	1,005
Total Interest Expense	7,558	2,231	1,237	603	1,332
Net Interest Income	103,042	92,728	77,870	71,611	69,877
Net Interest Income Growth (YoY)	11.12%	19.08%	8.74%	2.48%	2.93%
Trust Income	27	20	-	-	-
Other Non-Interest Income	60,926	55,573	42,946	45,955	48,767
Total Non-Interest Income	60,953	55,593	42,946	45,955	48,767
Non-Interest Income Growth (YoY)	9.64%	29.45%	-6.55%	-5.77%	4.43%
Revenues Before Loan Losses	163,995	148,321	120,816	117,566	118,644
Provision for Loan Losses	-	3,235	809	4,147	7,126
Revenue	163,995	145,086	120,007	113,419	111,518
Revenue Growth (YoY)	13.03%	20.90%	5.81%	1.70%	3.32%
Selling, General & Administrative	52,524	54,384	53,475	54,075	55,104
Other Non-Interest Expense	55,200	46,462	30,757	26,347	31,300
Total Non-Interest Expense	107,724	100,846	84,232	80,422	86,404
EBT Excluding Unusual Items	56,271	44,240	35,775	32,997	25,114
Asset Writedown	-7	-34	-364	-547	-292
Other Unusual Items	-	-	-	-1	-
Pretax Income	56,264	44,206	35,411	32,449	24,822
Income Tax Expense	16,994	14,404	10,355	10,215	8,354
Earnings From Continuing Operations	39,270	29,802	25,056	22,234	16,468
Net Income	39,270	29,802	25,056	22,234	16,468
Net Income to Common	39,270	29,802	25,056	22,234	16,468
Net Income Growth	31.77%	18.94%	12.69%	35.01%	-9.82%
Basic Shares Outstanding	74	74	74	74	74
Diluted Shares Outstanding	74	74	74	74	74
Shares Change (YoY)	0.14%	0.12%	0.08%	0.03%	-0.07%
EPS (Basic)	529.50	402.41	338.74	300.81	222.87
EPS (Diluted)	529.50	402.41	338.74	300.81	222.87
EPS Growth	31.58%	18.80%	12.61%	34.97%	-9.76%
Dividend Per Share	-	122.500	90.000	67.500	50.000
Dividend Growth	-	36.11%	33.33%	35.00%	-
Effective Tax Rate	30.20%	32.58%	29.24%	31.48%	33.66%

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