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

The Ogaki Kyoritsu Bank Income Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	50,241	39,544	37,137	36,330	36,672
Interest Income on Investments	24,042	14,474	11,678	15,082	14,286
Total Interest Income	74,283	54,018	48,815	51,412	50,958
Interest Paid on Deposits	11,569	3,501	427	353	398
Interest Paid on Borrowings	7,557	6,350	7,217	5,310	625
Total Interest Expense	19,126	9,851	7,644	5,663	1,023
Net Interest Income	55,157	44,167	41,171	45,749	49,935
Net Interest Income Growth (YoY)	24.88%	7.28%	-10.01%	-8.38%	0.74%
Trust Income	-	-	2	-	1
Gain (Loss) on Sale of Assets	-281	-224	-150	-231	-200
Gain (Loss) on Sale of Investments	-	5,724	15,732	4,874	2,799
Other Non-Interest Income	102,293	71,618	69,589	66,476	61,642
Total Non-Interest Income	102,012	77,118	85,173	71,119	64,242
Non-Interest Income Growth (YoY)	32.28%	-9.46%	19.76%	10.71%	-1.14%
Revenues Before Loan Losses	157,169	121,285	126,344	116,868	114,177
Provision for Loan Losses	280	-	1,051	4,219	1,920
Revenue	156,889	121,285	125,293	112,649	112,257
Revenue Growth (YoY)	29.36%	-3.20%	11.22%	0.35%	4.83%
Selling, General & Administrative	43,952	41,852	43,121	42,914	46,352
Other Non-Interest Expense	91,088	58,865	67,894	60,591	49,435
Total Non-Interest Expense	135,040	100,717	111,015	103,505	95,787
EBT Excluding Unusual Items	21,849	20,568	14,278	9,144	16,470
Asset Writedown	-835	-557	-685	-469	-188
Other Unusual Items	5,601	-	-1	-1	-
Pretax Income	26,615	20,011	13,592	8,674	16,282
Income Tax Expense	7,233	5,293	4,121	3,601	4,811
Earnings From Continuing Operations	19,382	14,718	9,471	5,073	11,471
Minority Interest in Earnings	-	-	-	-248	-851
Net Income	19,382	14,718	9,471	4,825	10,620
Net Income to Common	19,382	14,718	9,471	4,825	10,620
Net Income Growth	31.69%	55.40%	96.29%	-54.57%	32.57%
Basic Shares Outstanding	42	42	42	42	42
Diluted Shares Outstanding	42	42	42	42	42
Shares Change (YoY)	-0.07%	0.03%	0.03%	-0.26%	-0.17%
EPS (Basic)	466.05	353.53	227.55	115.92	254.51
EPS (Diluted)	465.24	353.01	227.24	115.81	254.22
EPS Growth	31.79%	55.35%	96.22%	-54.45%	32.80%
Dividend Per Share	-	90.000	70.000	70.000	70.000
Dividend Growth	-	28.57%	-	-	-
Effective Tax Rate	27.18%	26.45%	30.32%	41.52%	29.55%

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