AEON Financial Service Income Statement

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

Millions JPY. Fiscal year is Mar - Feb.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '25 Nov 30, 2025	Feb '25 Feb 28, 2025	Feb '24 Feb 29, 2024	Feb '23 Feb 28, 2023	Feb '22 Feb 28, 2022	Feb '21 Feb 28, 2021
Interest Income on Loans	215,744	194,172	177,493	163,410	152,101	160,265
Interest Income on Investments	6,608	6,608	2,626	3,162	4,866	4,650
Total Interest Income	222,352	200,780	180,119	166,572	156,967	164,915
Interest Paid on Deposits	25,929	7,577	3,095	2,397	1,864	2,321
Interest Paid on Borrowings	28,306	28,306	23,626	18,953	16,596	18,437
Total Interest Expense	54,235	35,883	26,721	21,350	18,460	20,758
Net Interest Income	168,117	164,897	153,398	145,222	138,507	144,157
Net Interest Income Growth (YoY)	-0.77%	7.50%	5.63%	4.85%	-3.92%	-13.69%
Gain (Loss) on Sale of Assets	-10,020	-2,833	-685	-617	-606	-701
Gain (Loss) on Sale of Investments	3,479	270	376	300	743	-398
Other Non-Interest Income	178,993	173,397	163,717	156,655	169,983	184,238
Total Non-Interest Income	316,314	309,948	289,124	268,754	301,899	311,840
Non-Interest Income Growth (YoY)	6.83%	7.20%	7.58%	-10.98%	-3.19%	5.06%
Revenues Before Loan Losses	484,431	474,845	442,522	413,976	440,406	455,997
Provision for Loan Losses	-13,716	-10,020	-16,048	-16,116	-11,920	-9,450
Revenue	498,147	484,865	458,570	430,092	452,326	465,447
Revenue Growth (YoY)	3.57%	5.73%	6.62%	-4.92%	-2.82%	-1.87%
Selling, General & Administrative	421,585	406,259	381,006	342,034	347,766	358,689
Other Non-Interest Expense	26,306	29,285	26,977	28,272	45,620	67,606
Total Non-Interest Expense	447,624	435,052	407,828	369,165	392,554	425,911
EBT Excluding Unusual Items	50,523	49,813	50,742	60,927	59,772	39,536
Asset Writedown	-2,959	-201	-1,297	-777	-202	-144
Other Unusual Items	-172	-344	-90	-267	174	-88
Pretax Income	47,392	49,268	48,880	59,799	59,744	39,304
Income Tax Expense	11,944	16,815	15,174	16,177	18,698	13,196
Earnings From Continuing Operations	35,448	32,453	33,706	43,622	41,046	26,108
Minority Interest in Earnings	-15,238	-12,926	-12,810	-12,945	-10,834	-8,415
Net Income	20,210	19,527	20,896	30,677	30,212	17,693
Net Income to Common	20,210	19,527	20,896	30,677	30,212	17,693
Net Income Growth	-21.68%	-6.55%	-31.88%	1.54%	70.76%	-52.51%
Basic Shares Outstanding	216	216	216	216	216	216
Diluted Shares Outstanding	216	216	216	216	216	216
Shares Change (YoY)	-0.00%	0.01%	0.01%	0.00%	-	-2.57%
EPS (Basic)	93.62	90.45	96.80	142.12	139.98	81.98
EPS (Diluted)	93.61	90.45	96.80	142.12	139.97	81.97
EPS Growth	-21.68%	-6.56%	-31.89%	1.54%	70.76%	-51.26%
Dividend Per Share	53.000	53.000	53.000	53.000	46.000	34.000
Dividend Growth	-	-	-	15.22%	35.29%	-54.17%
Effective Tax Rate	25.20%	34.13%	31.04%	27.05%	31.30%	33.57%

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