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 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	45,587	39,544	37,137	36,330	36,672	37,011
Interest Income on Investments	18,001	14,474	11,678	15,082	14,286	14,299
Total Interest Income	63,588	54,018	48,815	51,412	50,958	51,310
Interest Paid on Deposits	8,020	3,501	427	353	398	649
Interest Paid on Borrowings	6,350	6,350	7,217	5,310	625	1,092
Total Interest Expense	14,370	9,851	7,644	5,663	1,023	1,741
Net Interest Income	49,218	44,167	41,171	45,749	49,935	49,569
Net Interest Income Growth (YoY)	18.24%	7.28%	-10.01%	-8.38%	0.74%	0.96%
Trust Income	-	-	2	-	1	6
Gain (Loss) on Sale of Assets	-189	-224	-150	-231	-200	-130
Gain (Loss) on Sale of Investments	6,209	5,724	15,732	4,874	2,799	2,422
Other Non-Interest Income	70,911	71,618	69,589	66,476	61,642	62,687
Total Non-Interest Income	76,931	77,118	85,173	71,119	64,242	64,985
Non-Interest Income Growth (YoY)	-9.05%	-9.46%	19.76%	10.71%	-1.14%	6.47%
Revenues Before Loan Losses	126,149	121,285	126,344	116,868	114,177	114,554
Provision for Loan Losses	993	-	1,051	4,219	1,920	7,468
Revenue	125,156	121,285	125,293	112,649	112,257	107,086
Revenue Growth (YoY)	-0.00%	-3.20%	11.22%	0.35%	4.83%	-2.44%
Selling, General & Administrative	43,028	41,852	43,121	42,914	46,352	47,659
Other Non-Interest Expense	56,378	58,865	67,894	60,591	49,435	47,548
Total Non-Interest Expense	99,406	100,717	111,015	103,505	95,787	95,207
EBT Excluding Unusual Items	25,750	20,568	14,278	9,144	16,470	11,879
Asset Writedown	-808	-557	-685	-469	-188	-53
Other Unusual Items	-1	-	-1	-1	-	-1
Pretax Income	24,941	20,011	13,592	8,674	16,282	11,825
Income Tax Expense	6,814	5,293	4,121	3,601	4,811	3,115
Earnings From Continuing Operations	18,127	14,718	9,471	5,073	11,471	8,710
Minority Interest in Earnings	-	-	-	-248	-851	-699
Net Income	18,127	14,718	9,471	4,825	10,620	8,011
Net Income to Common	18,127	14,718	9,471	4,825	10,620	8,011
Net Income Growth	74.84%	55.40%	96.29%	-54.57%	32.57%	45.71%
Basic Shares Outstanding	42	42	42	42	42	42
Diluted Shares Outstanding	42	42	42	42	42	42
Shares Change (YoY)	0.04%	0.03%	0.03%	-0.26%	-0.17%	0.03%
EPS (Basic)	435.40	353.53	227.55	115.92	254.51	191.72
EPS (Diluted)	434.69	353.01	227.24	115.81	254.22	191.43
EPS Growth	74.77%	55.35%	96.22%	-54.45%	32.80%	45.66%
Dividend Per Share	110.000	90.000	70.000	70.000	70.000	70.000
Dividend Growth	57.14%	28.57%	-	-	-	-
Effective Tax Rate	27.32%	26.45%	30.32%	41.52%	29.55%	26.34%

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