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	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	30,656	26,986	25,029	24,664	24,817	25,244
Interest Income on Investments	8,159	6,878	4,653	4,938	3,357	2,824
Total Interest Income	38,815	33,864	29,682	29,602	28,174	28,068
Interest Paid on Deposits	3,460	1,725	768	205	155	367
Interest Paid on Borrowings	640	640	435	212	137	166
Total Interest Expense	4,100	2,365	1,203	417	292	533
Net Interest Income	34,715	31,499	28,479	29,185	27,882	27,535
Net Interest Income Growth (YoY)	17.62%	10.60%	-2.42%	4.67%	1.26%	-3.46%
Trust Income	45	37	71	79	85	102
Gain (Loss) on Sale of Assets	1,138	1,254	-11	-56	-27	-6
Gain (Loss) on Sale of Investments	2,704	2,410	1,970	1,392	533	1,670
Other Non-Interest Income	22,460	22,136	21,697	21,523	21,345	21,519
Total Non-Interest Income	26,347	25,837	23,727	22,938	21,936	23,285
Non-Interest Income Growth (YoY)	12.92%	8.89%	3.44%	4.57%	-5.79%	6.36%
Revenues Before Loan Losses	61,062	57,336	52,206	52,123	49,818	50,820
Provision for Loan Losses	2,199	2,461	798	1,658	2,151	2,680
Revenue	58,863	54,875	51,408	50,465	47,667	48,140
Revenue Growth (YoY)	14.00%	6.74%	1.87%	5.87%	-0.98%	-1.64%
Selling, General & Administrative	25,225	24,611	24,694	23,514	24,478	24,179
Other Non-Interest Expense	19,769	18,524	17,892	18,426	15,214	16,033
Total Non-Interest Expense	44,994	43,135	42,586	41,940	39,692	40,212
EBT Excluding Unusual Items	13,869	11,740	8,822	8,525	7,975	7,928
Pretax Income	13,869	11,740	8,822	8,525	7,975	7,928
Income Tax Expense	4,521	3,799	2,560	2,690	2,901	2,635
Earnings From Continuing Operations	9,348	7,941	6,262	5,835	5,074	5,293
Minority Interest in Earnings	2	-	-	-	-62	-86
Net Income	9,350	7,941	6,262	5,835	5,012	5,207
Net Income to Common	9,350	7,941	6,262	5,835	5,012	5,207
Net Income Growth	35.04%	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)	-0.04%	-1.01%	-7.34%	-1.92%	-0.42%	-0.14%
EPS (Basic)	438.06	371.91	290.50	251.03	211.49	218.80
EPS (Diluted)	437.83	371.69	290.16	250.54	211.12	218.36
EPS Growth	35.10%	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	32.60%	32.36%	29.02%	31.55%	36.38%	33.24%

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