O-Bank Co., Ltd. (TPE:2897)

O-Bank Income Statement

Financials in millions TWD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	15,436	16,089	13,939	9,348	6,830	7,734
Interest Paid on Deposits	13,237	14,261	11,813	4,766	2,170	3,709
Net Interest Income	2,199	1,827	2,126	4,581	4,660	4,025
Net Interest Income Growth (YoY)	22.53%	-14.06%	-53.59%	-1.68%	15.78%	3.60%
Gain (Loss) on Sale of Investments	5,072	7,869	4,856	4,053	1,262	218.92
Gain (Loss) on Sale of Equity Investments	-493.99	12.86	161.74	3,334	94.85	-82.77
Other Non-Interest Income	2,860	478.71	2,402	143.54	3,294	3,901
Total Non-Interest Income	7,438	8,360	7,420	7,531	4,651	4,037
Non-Interest Income Growth (YoY)	-11.90%	12.68%	-1.49%	61.92%	15.22%	-9.03%
Revenues Before Loan Losses	9,637	10,188	9,546	12,113	9,311	8,062
Provision for Loan Losses	-12.75	53.23	897.03	608.1	553.92	599.29
Revenue	9,650	10,134	8,649	11,505	8,757	7,462
Revenue Growth (YoY)	4.75%	17.18%	-24.82%	31.37%	17.35%	1.94%
Salaries and Employee Benefits	2,912	3,032	2,719	2,978	2,746	2,608
Occupancy Expenses	477.65	543.32	569.1	623.21	637.96	628.78
Selling, General & Administrative	1,249	1,137	995.23	1,023	915.1	893.27
Other Non-Interest Expense	429.31	396.56	334.4	270.6	223.35	227.39
Total Non-Interest Expense	5,068	5,109	4,618	4,895	4,522	4,358
EBT Excluding Unusual Items	4,582	5,026	4,031	6,609	4,235	3,105
Asset Writedown	5.73	-8.99	-1.93	7.91	3.49	-5.2
Pretax Income	4,588	5,017	4,029	6,617	4,239	3,099
Income Tax Expense	1,143	1,124	602.68	808.87	1,034	785.79
Earnings From Continuing Operations	3,444	3,893	3,426	5,808	3,205	2,314
Earnings From Discontinued Operations	-	-	-	-	-4.7	-12.58
Minority Interest in Earnings	-1,270	-1,037	-933.64	-773.88	-1,359	-1,154
Net Income	2,175	2,856	2,492	5,034	1,841	1,147
Preferred Dividends & Other Adjustments	119.97	101.9	127.08	127.5	127.5	127.5
Net Income to Common	2,055	2,754	2,365	4,907	1,713	1,020
Net Income Growth	-17.13%	14.59%	-50.49%	173.49%	60.44%	4.27%
Basic Shares Outstanding	2,787	2,759	2,727	2,731	2,727	2,472
Diluted Shares Outstanding	3,054	3,050	3,032	3,037	3,031	2,775
Shares Change (YoY)	0.73%	0.60%	-0.18%	0.20%	9.24%	13.60%
EPS (Basic)	0.74	1.00	0.87	1.80	0.63	0.41
EPS (Diluted)	0.66	0.90	0.78	1.62	0.57	0.37
EPS Growth	-21.29%	15.38%	-51.85%	184.99%	55.54%	-18.49%
Dividend Per Share	0.500	0.500	0.441	0.380	0.300	0.200
Dividend Growth	13.32%	13.32%	16.11%	26.71%	49.95%	-50.12%
Effective Tax Rate	24.92%	22.40%	14.96%	12.22%	24.40%	25.35%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.