Shinkin Central Bank

TSE-8421

Overview Financials Investor Relations Estimates Ownership Industry Dividends Modeling Filings

Income Statement	Mar '15	Mar '16	Mar '17	Mar '18	Mar '19	Mar '20	Mar '21	Mar '22	Mar '23	Mar '24	LTM
Interest Income On Loans						20,263	16,421	14,428	19,739	26,591	32,573
Interest Income On Investments						186,939	158,741	160,771	188,513	257,323	281,655
Interest Income, Total						207,202	175,162	175,199	208,252	283,914	314,228
Interest On Deposits						41,882	33,299	29,224	37,241	42,008	75,310
Total Interest On Borrowings						71,818	50,631	40,959	68,022	135,387	135,551
Interest Expense, Total						113,700	83,930	70,183	105,263	177,395	210,861
Net Interest Income						93,502	91,232	105,016	102,989	106,519	103,367
Trust Income	—	—				759	1,258	1,921	2,391	2,529	2,548
Income From Trading Activities						2,001	1,352	1,540	17,633	23,171	21,535
Gain (Loss) on Sale of Assets						-266	-128	6	-316	-62	-62
Gain (Loss) on Sale of Invest. & Securities						-4,498	6,263	7,197	8,939	25,115	22,286
Total Other Non Interest Income						89,789	73,823	63,295	135,997	92,706	81,935
Non Interest Income, Total						87,785	82,568	73,959	164,644	143,459	128,242
Revenues Before Provison For Loan Losses						181,287	173,800	178,975	267,633	249,978	231,609
Provision For Loan Losses			—	—	—	832	—	—	—	—	—
Total Revenues						180,455	173,800	178,975	267,633	249,978	231,609
Total Revenues % Chg.						4%	-3.7%	3%	49.5%	-6.6%	-10.6%
Selling General & Admin Expenses, Total						53,645	54,715	54,603	57,580	59,169	59,216
Total Other Non Interest Expense						70,366	75,661	76,192	174,344	146,643	121,365
Non Interest Expense, Total						124,011	130,376	130,795	231,924	205,812	180,581
EBT, Excl. Unusual Items						56,444	43,424	48,180	35,709	44,166	51,028
Asset Writedown		—	—			-86	—	—	-52	-83	-83
Other Unusual Items		—			—	-1	—	—	-8	-5	-6
EBT, Incl. Unusual Items						56,357	43,424	48,180	35,649	44,078	50,939
Income Tax Expense						15,656	11,385	11,897	9,101	11,757	13,707
Earnings From Continuing Operations						40,701	32,039	36,283	26,548	32,321	37,232
Minority Interest						-474	-390	-341	-327	-176	-237
Net Income						40,227	31,649	35,942	26,221	32,145	36,995
Preferred Dividend and Other Adjustments	—	—				2,124	2,124	2,124	2,124	2,124	2,124
Net Income to Common Incl Extra Items						38,103	29,525	33,818	24,097	30,021	34,871
Net Income to Common Excl. Extra Items						38,103	29,525	33,818	24,097	30,021	34,871
Total Shares Outstanding						6.7	6.7	6.7	6.7	8.7	8.7
Weighted Avg. Shares Outstanding						6.7	6.7	6.7	6.7	6.7	7.2
Weighted Avg. Shares Outstanding Dil						6.7	6.7	6.7	6.7	6.7	7.2
EPS						5,680	4,401.3	5,041.3	3,592.2	4,464.3	4,826.7
EPS Diluted						5,680	4,401.3	5,041.3	3,592.2	4,464.3	4,826.7
Effective Tax Rate						27.8%	26.2%	24.7%	25.5%	26.7%	26.9%