Aozora Bank, Ltd. (AOZOF)

Aozora 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	128,296	132,123	87,356	44,738	45,459
Interest Income on Investments	32,806	34,313	26,214	21,403	22,348
Total Interest Income	161,102	166,436	113,570	66,141	67,807
Interest Paid on Deposits	15,657	14,400	11,284	6,185	5,658
Interest Paid on Borrowings	96,733	109,962	51,206	8,344	12,059
Total Interest Expense	112,390	124,362	62,490	14,529	17,717
Net Interest Income	48,712	42,074	51,080	51,612	50,090
Net Interest Income Growth (YoY)	15.78%	-17.63%	-1.03%	3.04%	2.66%
Trust Income	373	370	377	444	386
Income From Trading Activities	3,146	1,633	4,196	16,642	13,401
Gain (Loss) on Sale of Assets	-2	-7	-2	-49	-4
Gain (Loss) on Sale of Investments	-	1,636	8,496	2,033	2,375
Other Non-Interest Income	61,725	57,911	45,937	49,476	52,439
Total Non-Interest Income	65,242	61,543	59,004	68,546	68,597
Non-Interest Income Growth (YoY)	6.01%	4.30%	-13.92%	-0.07%	-12.97%
Revenues Before Loan Losses	113,954	103,617	110,084	120,158	118,687
Provision for Loan Losses	3,615	45,267	1,286	4,069	941
Revenue	110,339	58,350	108,798	116,089	117,746
Revenue Growth (YoY)	89.10%	-46.37%	-6.28%	-1.41%	1.69%
Selling, General & Administrative	62,384	62,424	59,463	57,490	56,128
Other Non-Interest Expense	31,714	50,749	41,982	12,354	22,642
Total Non-Interest Expense	94,098	113,173	101,445	69,844	78,770
EBT Excluding Unusual Items	16,241	-54,823	7,353	46,245	38,976
Asset Writedown	-263	-220	-	-269	-
Other Unusual Items	3,408	1,870	-	-1	-
Pretax Income	19,386	-53,173	7,353	45,975	38,976
Income Tax Expense	-248	-1,437	698	12,937	12,230
Earnings From Continuing Operations	19,634	-51,736	6,655	33,038	26,746
Minority Interest in Earnings	884	1,832	2,064	1,966	2,226
Net Income	20,518	-49,904	8,719	35,004	28,972
Net Income to Common	20,518	-49,904	8,719	35,004	28,972
Net Income Growth	-	-	-75.09%	20.82%	2.95%
Basic Shares Outstanding	133	117	117	117	117
Diluted Shares Outstanding	133	117	117	117	117
Shares Change (YoY)	14.05%	-0.14%	0.05%	0.05%	0.05%
EPS (Basic)	154.26	-427.22	74.66	299.81	248.26
EPS (Diluted)	154.02	-427.22	74.54	299.38	247.90
EPS Growth	-	-	-75.10%	20.77%	2.90%
Dividend Per Share	79.000	76.000	154.000	149.000	124.000
Dividend Growth	3.95%	-50.65%	3.36%	20.16%	-20.51%
Effective Tax Rate	-	-	9.49%	28.14%	31.38%

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