The Kiyo Bank, Ltd. (TYO:8370)

The Kiyo 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	42,717	36,496	34,884	34,148	33,505
Interest Income on Investments	16,415	9,744	12,702	11,542	9,842
Total Interest Income	59,132	46,240	47,586	45,690	43,347
Interest Paid on Deposits	2,853	122	109	134	306
Interest Paid on Borrowings	5,533	5,485	4,267	480	906
Total Interest Expense	8,386	5,607	4,376	614	1,212
Net Interest Income	50,746	40,633	43,210	45,076	42,135
Net Interest Income Growth (YoY)	24.89%	-5.96%	-4.14%	6.98%	-5.29%
Gain (Loss) on Sale of Assets	131	-36	-85	-185	249
Gain (Loss) on Sale of Investments	-	3,445	5,523	4,714	1,492
Other Non-Interest Income	39,588	34,495	30,803	29,844	29,621
Total Non-Interest Income	39,719	37,904	36,241	34,373	31,362
Non-Interest Income Growth (YoY)	4.79%	4.59%	5.43%	9.60%	-12.61%
Revenues Before Loan Losses	90,465	78,537	79,451	79,449	73,497
Provision for Loan Losses	-	2,832	1,753	5,548	5,161
Revenue	90,465	75,705	77,698	73,901	68,336
Revenue Growth (YoY)	19.50%	-2.56%	5.14%	8.14%	-12.69%
Selling, General & Administrative	34,961	33,018	31,295	31,999	34,393
Other Non-Interest Expense	32,066	22,588	41,417	17,807	13,279
Total Non-Interest Expense	67,027	55,606	72,712	49,806	47,672
EBT Excluding Unusual Items	23,438	20,099	4,986	24,095	20,664
Asset Writedown	-	-66	-118	-6	-125
Other Unusual Items	-158	-	-1	-	-1
Pretax Income	23,280	20,033	4,867	24,089	20,538
Income Tax Expense	5,639	4,976	866	8,527	6,898
Earnings From Continuing Operations	17,641	15,057	4,001	15,562	13,640
Minority Interest in Earnings	-23	-37	-77	-102	-49
Net Income	17,618	15,020	3,924	15,460	13,591
Net Income to Common	17,618	15,020	3,924	15,460	13,591
Net Income Growth	17.30%	282.77%	-74.62%	13.75%	-0.93%
Basic Shares Outstanding	65	65	66	67	68
Diluted Shares Outstanding	65	65	66	67	68
Shares Change (YoY)	-1.14%	-0.31%	-2.27%	-0.78%	-0.58%
EPS (Basic)	272.51	229.69	59.83	230.40	200.97
EPS (Diluted)	272.32	229.52	59.78	230.17	200.76
EPS Growth	18.65%	283.94%	-74.03%	14.65%	-0.36%
Dividend Per Share	-	50.000	40.000	40.000	35.000
Dividend Growth	-	25.00%	-	14.29%	-
Effective Tax Rate	24.22%	24.84%	17.79%	35.40%	33.59%

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