The Awa Bank, Ltd. (TYO:8388)

The Awa 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	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	29,010	27,618	28,227	28,267	23,892	23,747
Interest Income on Investments	19,216	18,509	16,461	15,812	14,909	13,762
Total Interest Income	48,226	46,127	44,688	44,079	38,801	37,509
Interest Paid on Deposits	3,284	2,402	937	838	452	663
Interest Paid on Borrowings	4,821	4,821	7,610	6,760	1,174	1,464
Total Interest Expense	8,105	7,223	8,547	7,598	1,626	2,127
Net Interest Income	40,121	38,904	36,141	36,481	37,175	35,382
Net Interest Income Growth (YoY)	8.84%	7.65%	-0.93%	-1.87%	5.07%	1.79%
Trust Income	2	2	2	2	2	2
Gain (Loss) on Sale of Assets	-52	-58	-97	-83	-89	-33
Gain (Loss) on Sale of Investments	2,628	2,628	1,929	15,074	1,991	1,897
Other Non-Interest Income	28,901	28,921	28,615	28,717	26,474	24,502
Total Non-Interest Income	31,479	31,493	30,449	43,710	28,378	26,368
Non-Interest Income Growth (YoY)	-0.50%	3.43%	-30.34%	54.03%	7.62%	-3.79%
Revenues Before Loan Losses	71,600	70,397	66,590	80,191	65,553	61,750
Provision for Loan Losses	2,103	2,103	2,658	974	3,379	5,881
Revenue	69,497	68,294	63,932	79,217	62,174	55,869
Revenue Growth (YoY)	4.40%	6.82%	-19.30%	27.41%	11.29%	-4.05%
Selling, General & Administrative	31,463	31,199	30,478	29,403	29,783	28,060
Other Non-Interest Expense	20,880	19,294	16,927	34,470	16,345	15,179
Total Non-Interest Expense	52,343	50,493	47,405	63,873	46,128	43,239
EBT Excluding Unusual Items	17,154	17,801	16,527	15,344	16,046	12,630
Asset Writedown	-241	-212	-553	-701	-140	-374
Other Unusual Items	-	-	-1	-1	44	-76
Pretax Income	16,913	17,589	15,973	14,642	15,950	12,180
Income Tax Expense	4,207	4,387	4,710	4,435	4,838	3,682
Earnings From Continuing Operations	12,706	13,202	11,263	10,207	11,112	8,498
Net Income	12,706	13,202	11,263	10,207	11,112	8,498
Net Income to Common	12,706	13,202	11,263	10,207	11,112	8,498
Net Income Growth	-0.02%	17.22%	10.35%	-8.14%	30.76%	-23.85%
Basic Shares Outstanding	40	40	41	41	42	42
Diluted Shares Outstanding	40	40	41	41	42	42
Shares Change (YoY)	-1.74%	-1.77%	-1.22%	-1.79%	-0.15%	-1.63%
EPS (Basic)	319.72	330.86	277.28	248.21	265.39	202.64
EPS (Diluted)	319.72	330.86	277.28	248.21	265.39	202.64
EPS Growth	1.75%	19.32%	11.71%	-6.47%	30.96%	-22.59%
Dividend Per Share	95.000	95.000	75.000	50.000	42.500	40.000
Dividend Growth	26.67%	26.67%	50.00%	17.65%	6.25%	-11.11%
Effective Tax Rate	24.87%	24.94%	29.49%	30.29%	30.33%	30.23%

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