The Ogaki Kyoritsu Bank, Ltd. (TYO:8361)

The Ogaki Kyoritsu Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	39,168	37,137	36,330	36,672	37,011	37,622
Interest Income on Investments	11,830	11,678	15,082	14,286	14,299	16,349
Total Interest Income	50,998	48,815	51,412	50,958	51,310	53,971
Interest Paid on Deposits	1,302	427	353	398	649	1,098
Interest Paid on Borrowings	7,217	7,217	5,310	625	1,092	3,776
Total Interest Expense	8,519	7,644	5,663	1,023	1,741	4,874
Net Interest Income	42,479	41,171	45,749	49,935	49,569	49,097
Net Interest Income Growth (YoY)	2.03%	-10.01%	-8.38%	0.74%	0.96%	-2.22%
Trust Income	2	2	-	1	6	24
Gain (Loss) on Sale of Assets	-227	-150	-231	-200	-130	-297
Gain (Loss) on Sale of Investments	2,689	15,732	4,874	2,799	2,422	2,170
Other Non-Interest Income	72,885	69,589	66,476	61,642	62,687	59,138
Total Non-Interest Income	75,349	85,173	71,119	64,242	64,985	61,035
Non-Interest Income Growth (YoY)	-10.33%	19.76%	10.71%	-1.14%	6.47%	1.31%
Revenues Before Loan Losses	117,828	126,344	116,868	114,177	114,554	110,132
Provision for Loan Losses	-586	1,051	4,219	1,920	7,468	363
Revenue	118,414	125,293	112,649	112,257	107,086	109,769
Revenue Growth (YoY)	-3.17%	11.22%	0.35%	4.83%	-2.44%	-0.58%
Selling, General & Administrative	42,036	43,121	42,914	46,352	47,659	49,450
Other Non-Interest Expense	60,950	67,894	60,591	49,435	47,548	50,281
Total Non-Interest Expense	102,986	111,015	103,505	95,787	95,207	99,731
EBT Excluding Unusual Items	15,428	14,278	9,144	16,470	11,879	10,038
Asset Writedown	-606	-685	-469	-188	-53	-245
Other Unusual Items	-2	-1	-1	-	-1	-1
Pretax Income	14,820	13,592	8,674	16,282	11,825	9,792
Income Tax Expense	4,178	4,121	3,601	4,811	3,115	3,508
Earnings From Continuing Operations	10,642	9,471	5,073	11,471	8,710	6,284
Minority Interest in Earnings	-	-	-248	-851	-699	-786
Net Income	10,642	9,471	4,825	10,620	8,011	5,498
Net Income to Common	10,642	9,471	4,825	10,620	8,011	5,498
Net Income Growth	108.58%	96.29%	-54.57%	32.57%	45.71%	-19.87%
Basic Shares Outstanding	42	42	42	42	42	42
Diluted Shares Outstanding	42	42	42	42	42	42
Shares Change (YoY)	0.02%	0.03%	-0.26%	-0.17%	0.03%	0.02%
EPS (Basic)	255.64	227.55	115.92	254.51	191.72	131.60
EPS (Diluted)	255.30	227.24	115.81	254.22	191.43	131.42
EPS Growth	108.51%	96.22%	-54.45%	32.80%	45.66%	-19.88%
Dividend Per Share	70.000	70.000	70.000	70.000	70.000	70.000
Effective Tax Rate	28.19%	30.32%	41.52%	29.55%	26.34%	35.83%

Updated Feb 10, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.