Okinawa Financial Group, Inc. (TYO:7350)

Okinawa Financial Group Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	31,756	26,986	25,029	24,664	24,817	25,244
Interest Income on Investments	9,163	6,878	4,653	4,938	3,357	2,824
Total Interest Income	40,919	33,864	29,682	29,602	28,174	28,068
Interest Paid on Deposits	4,220	1,725	768	205	155	367
Interest Paid on Borrowings	527	640	435	212	137	166
Total Interest Expense	4,747	2,365	1,203	417	292	533
Net Interest Income	36,172	31,499	28,479	29,185	27,882	27,535
Net Interest Income Growth (YoY)	18.73%	10.60%	-2.42%	4.67%	1.26%	-3.46%
Trust Income	42	37	71	79	85	102
Gain (Loss) on Sale of Assets	1,120	1,254	-11	-56	-27	-6
Gain (Loss) on Sale of Investments	-	2,410	1,970	1,392	533	1,670
Other Non-Interest Income	26,500	22,136	21,697	21,523	21,345	21,519
Total Non-Interest Income	27,662	25,837	23,727	22,938	21,936	23,285
Non-Interest Income Growth (YoY)	16.86%	8.89%	3.44%	4.57%	-5.79%	6.36%
Revenues Before Loan Losses	63,834	57,336	52,206	52,123	49,818	50,820
Provision for Loan Losses	2,090	2,461	798	1,658	2,151	2,680
Revenue	61,744	54,875	51,408	50,465	47,667	48,140
Revenue Growth (YoY)	14.42%	6.74%	1.87%	5.87%	-0.98%	-1.64%
Selling, General & Administrative	25,403	24,611	24,694	23,514	24,478	24,179
Other Non-Interest Expense	20,660	18,524	17,892	18,426	15,214	16,033
Total Non-Interest Expense	46,063	43,135	42,586	41,940	39,692	40,212
EBT Excluding Unusual Items	15,681	11,740	8,822	8,525	7,975	7,928
Pretax Income	15,681	11,740	8,822	8,525	7,975	7,928
Income Tax Expense	4,951	3,799	2,560	2,690	2,901	2,635
Earnings From Continuing Operations	10,730	7,941	6,262	5,835	5,074	5,293
Minority Interest in Earnings	2	-	-	-	-62	-86
Net Income	10,732	7,941	6,262	5,835	5,012	5,207
Net Income to Common	10,732	7,941	6,262	5,835	5,012	5,207
Net Income Growth	51.84%	26.81%	7.32%	16.42%	-3.74%	-6.15%
Basic Shares Outstanding	21	21	22	23	24	24
Diluted Shares Outstanding	21	21	22	23	24	24
Shares Change (YoY)	-0.08%	-1.01%	-7.34%	-1.92%	-0.42%	-0.14%
EPS (Basic)	502.92	371.91	290.50	251.03	211.49	218.80
EPS (Diluted)	502.67	371.69	290.16	250.54	211.12	218.36
EPS Growth	51.98%	28.10%	15.81%	18.67%	-3.32%	-6.02%
Dividend Per Share	130.000	105.000	80.000	75.000	70.000	70.000
Dividend Growth	52.94%	31.25%	6.67%	7.14%	-	-
Effective Tax Rate	31.57%	32.36%	29.02%	31.55%	36.38%	33.24%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.