The Awa Bank, Ltd. (TYO:8388)

The Awa 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	32,328	27,618	28,227	28,267	23,892
Interest Income on Investments	24,146	18,509	16,461	15,812	14,909
Total Interest Income	56,474	46,127	44,688	44,079	38,801
Interest Paid on Deposits	7,250	2,402	937	838	452
Interest Paid on Borrowings	3,652	4,821	7,610	6,760	1,174
Total Interest Expense	10,902	7,223	8,547	7,598	1,626
Net Interest Income	45,572	38,904	36,141	36,481	37,175
Net Interest Income Growth (YoY)	17.14%	7.65%	-0.93%	-1.87%	5.07%
Trust Income	2	2	2	2	2
Gain (Loss) on Sale of Assets	21	-58	-97	-83	-89
Gain (Loss) on Sale of Investments	-	2,628	1,929	15,074	1,991
Other Non-Interest Income	38,887	28,921	28,615	28,717	26,474
Total Non-Interest Income	38,910	31,493	30,449	43,710	28,378
Non-Interest Income Growth (YoY)	23.55%	3.43%	-30.34%	54.03%	7.62%
Revenues Before Loan Losses	84,482	70,397	66,590	80,191	65,553
Provision for Loan Losses	1,927	2,103	2,658	974	3,379
Revenue	82,555	68,294	63,932	79,217	62,174
Revenue Growth (YoY)	20.88%	6.82%	-19.30%	27.41%	11.29%
Selling, General & Administrative	32,222	31,199	30,478	29,403	29,783
Other Non-Interest Expense	28,488	19,294	16,927	34,470	16,345
Total Non-Interest Expense	60,710	50,493	47,405	63,873	46,128
EBT Excluding Unusual Items	21,845	17,801	16,527	15,344	16,046
Asset Writedown	-49	-212	-553	-701	-140
Other Unusual Items	-	-	-1	-1	44
Pretax Income	21,796	17,589	15,973	14,642	15,950
Income Tax Expense	6,269	4,387	4,710	4,435	4,838
Earnings From Continuing Operations	15,527	13,202	11,263	10,207	11,112
Net Income	15,527	13,202	11,263	10,207	11,112
Net Income to Common	15,527	13,202	11,263	10,207	11,112
Net Income Growth	17.61%	17.22%	10.35%	-8.14%	30.76%
Basic Shares Outstanding	39	40	41	41	42
Diluted Shares Outstanding	39	40	41	41	42
Shares Change (YoY)	-1.94%	-1.77%	-1.22%	-1.79%	-0.15%
EPS (Basic)	396.83	330.86	277.28	248.21	265.39
EPS (Diluted)	396.83	330.86	277.28	248.21	265.39
EPS Growth	19.94%	19.32%	11.71%	-6.47%	30.96%
Dividend Per Share	-	95.000	75.000	50.000	42.500
Dividend Growth	-	26.67%	50.00%	17.65%	6.25%
Effective Tax Rate	28.76%	24.94%	29.49%	30.29%	30.33%

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