Aozora Bank Income Statement

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	122,847	120,136	128,298	132,123	87,356	44,738
Interest Income on Investments	41,599	40,198	32,806	34,313	26,214	21,403
Total Interest Income	164,446	160,334	161,104	166,436	113,570	66,141
Interest Paid on Deposits	33,385	30,458	15,660	14,400	11,284	6,185
Interest Paid on Borrowings	74,466	77,515	96,733	109,962	51,206	8,344
Total Interest Expense	107,851	107,973	112,393	124,362	62,490	14,529
Net Interest Income	56,595	52,361	48,711	42,074	51,080	51,612
Net Interest Income Growth	17.32%	7.49%	15.78%	-17.63%	-1.03%	3.04%
Trust Income	465	465	373	370	377	444
Income From Trading Activities	5,680	4,318	3,146	1,633	4,196	16,642
Gain (Loss) on Sale of Assets	-7	-7	-2	-7	-2	-49
Gain (Loss) on Sale of Investments	-	1,140	3,256	1,636	8,496	2,033
Other Non-Interest Income	75,904	75,450	62,444	57,911	45,937	49,476
Total Non-Interest Income	82,042	81,366	69,217	61,543	59,004	68,546
Non-Interest Income Growth	16.63%	17.55%	12.47%	4.30%	-13.92%	-0.07%
Revenues Before Loan Losses	138,637	133,727	117,928	103,617	110,084	120,158
Provision for Loan Losses	-2,133	8,198	12,320	45,267	1,286	4,069
Revenue	140,770	125,529	105,608	58,350	108,798	116,089
Revenue Growth	22.44%	18.86%	80.99%	-46.37%	-6.28%	-1.41%
Selling, General & Administrative	66,888	65,999	62,384	62,424	59,463	57,490
Other Non-Interest Expense	40,803	32,355	25,664	50,749	41,982	12,354
Total Non-Interest Expense	107,691	98,354	88,048	113,173	101,445	69,844
EBT Excluding Unusual Items	33,079	27,175	17,560	-54,823	7,353	46,245
Asset Writedown	-4	-4	-263	-220	-	-269
Other Unusual Items	-	-1	2,089	1,870	-	-1
Pretax Income	33,075	27,170	19,386	-53,173	7,353	45,975
Income Tax Expense	924	574	-248	-1,437	698	12,937
Earnings From Continuing Operations	32,151	26,596	19,634	-51,736	6,655	33,038
Minority Interest in Earnings	-1,280	-891	884	1,832	2,064	1,966
Net Income	30,871	25,705	20,518	-49,904	8,719	35,004
Net Income to Common	30,871	25,705	20,518	-49,904	8,719	35,004
Net Income Growth	60.18%	25.28%	-	-	-75.09%	20.82%
Basic Shares Outstanding	138	138	133	117	117	117
Diluted Shares Outstanding	139	139	133	117	117	117
Shares Change	0.03%	4.07%	14.05%	-0.14%	0.05%	0.05%
EPS (Basic)	223.06	185.76	154.26	-427.22	74.66	299.81
EPS (Diluted)	222.65	185.41	154.02	-427.22	74.54	299.38
EPS Growth	60.13%	20.38%	-	-	-75.10%	20.77%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Dividend Per Share	94.000	91.000	79.000	76.000	154.000	149.000
Dividend Growth	14.63%	15.19%	3.95%	-50.65%	3.36%	20.16%
Effective Tax Rate	2.79%	2.11%	-	-	9.49%	28.14%