The Bank of Iwate, Ltd. (TYO:8345)

The Bank of Iwate 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	21,130	18,203	17,383	17,291	17,360
Interest Income on Investments	12,954	10,047	9,213	9,982	10,694
Total Interest Income	34,084	28,250	26,596	27,273	28,054
Interest Paid on Deposits	2,205	100	127	246	334
Interest Paid on Borrowings	644	503	527	531	541
Total Interest Expense	2,849	603	654	777	875
Net Interest Income	31,235	27,647	25,942	26,496	27,179
Net Interest Income Growth (YoY)	12.98%	6.57%	-2.09%	-2.51%	-5.57%
Trust Income	-	-	-	-	186
Gain (Loss) on Sale of Assets	-10	-23	48	-112	-80
Gain (Loss) on Sale of Investments	-1,495	899	4,975	2,507	3,289
Other Non-Interest Income	14,962	14,614	15,804	13,866	13,420
Total Non-Interest Income	13,457	15,490	20,827	16,261	16,815
Non-Interest Income Growth (YoY)	-13.13%	-25.62%	28.08%	-3.29%	19.96%
Revenues Before Loan Losses	44,692	43,137	46,769	42,757	43,994
Provision for Loan Losses	735	1,419	741	1,186	3,974
Revenue	43,957	41,718	46,028	41,571	40,020
Revenue Growth (YoY)	5.37%	-9.36%	10.72%	3.88%	-1.85%
Selling, General & Administrative	24,771	24,554	24,086	24,852	25,473
Other Non-Interest Expense	9,416	10,233	15,437	9,063	8,472
Total Non-Interest Expense	34,187	34,787	39,523	33,915	33,945
EBT Excluding Unusual Items	9,770	6,931	6,505	7,656	6,075
Asset Writedown	-49	-186	-17	-645	-537
Other Unusual Items	25	-	87	-	-
Pretax Income	9,746	6,745	6,575	7,011	5,538
Income Tax Expense	2,770	2,520	1,194	2,885	2,642
Earnings From Continuing Operations	6,976	4,225	5,381	4,126	2,896
Net Income	6,976	4,225	5,381	4,126	2,896
Net Income to Common	6,976	4,225	5,381	4,126	2,896
Net Income Growth	65.11%	-21.48%	30.42%	42.47%	-23.47%
Basic Shares Outstanding	17	17	17	17	18
Diluted Shares Outstanding	17	17	17	18	18
Shares Change (YoY)	-0.42%	-0.88%	-0.89%	-0.46%	-1.14%
EPS (Basic)	406.86	245.93	310.32	235.91	164.61
EPS (Diluted)	405.67	244.70	308.90	234.73	164.03
EPS Growth	65.78%	-20.78%	31.60%	43.10%	-22.57%
Dividend Per Share	-	80.000	90.000	70.000	60.000
Dividend Growth	-	-11.11%	28.57%	16.67%	-14.29%
Effective Tax Rate	28.42%	37.36%	18.16%	41.15%	47.71%

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