Kirayaka Bank, Ltd.【JP:E03636】

Market cap

P/E ratio

	Mar 31, 2013	Mar 31, 2014	Mar 31, 2015
Ordinary income	25,975	24,874	25,728
Interest income	21,301	20,315	20,649
Interest on loans and discounts	17,308	16,103	15,365
Interest and dividends on securities	3,925	4,121	5,187
Interest on call loans and bills bought	31	41	16
Interest on deposits with banks	4	14	32
Other interest income	31	35	45
Fees and commissions	2,828	2,924	2,977
Other ordinary income	1,331	1,092	1,482
Other income	514	541	618
Recoveries of written off claims	192	101	128
Other	203	196	310
Ordinary expenses	24,832	21,431	22,336
Interest expenses	1,949	1,943	1,772
Interest on deposits	1,657	1,638	1,456
Interest on negotiable certificates of deposit	22	28	27
Interest on call money and bills sold	-	-	-
Interest on borrowings and rediscounts	20	27	39
Interest on bonds	247	247	247
Other interest expenses	-	-	1
Fees and commissions payments	1,431	1,433	1,363
Other ordinary expenses	667	897	876
General and administrative expenses	16,080	15,745	15,735
Other expenses	4,703	1,412	2,587
Provision of allowance for loan losses	423	454	1,220
Other	3,836	732	1,067
Ordinary income (loss)	1,143	3,442	3,392
Extraordinary income	-	5	-
Gain on disposal of non-current assets	-	5	-
Extraordinary losses	29	1,083	17
Loss on disposal of non-current assets	13	32	6
Impairment loss	15	989	11
Loss on revision of retirement benefit plan	-	61	-
Income (loss) before income taxes	1,114	2,365	3,374
Income taxes - current	89	178	248
Income taxes - deferred	-49	-53	789
Income taxes	40	125	1,037
Income (loss) before minority interests	1,103	2,360	2,404
Minority interests in income (loss)	40	65	36
Net income (loss)	1,073	2,239	2,337