The Oita Bank, Ltd. (TYO:8392)

The Oita 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	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	31,593	25,847	24,499	22,475	20,860	21,243
Interest Income on Investments	27,277	24,142	19,458	21,644	12,835	12,573
Total Interest Income	58,870	49,989	43,957	44,119	33,695	33,816
Interest Paid on Deposits	7,957	2,315	287	188	254	381
Interest Paid on Borrowings	3,873	3,873	4,000	1,766	235	161
Total Interest Expense	11,830	6,188	4,287	1,954	489	542
Net Interest Income	47,040	43,801	39,670	42,165	33,206	33,274
Net Interest Income Growth (YoY)	8.39%	10.41%	-5.92%	26.98%	-0.20%	-8.64%
Gain (Loss) on Sale of Assets	-47	-2	-36	-51	40	12
Gain (Loss) on Sale of Investments	5,329	5,329	6,062	706	904	3,265
Other Non-Interest Income	22,979	21,224	22,455	26,832	20,376	19,668
Total Non-Interest Income	28,261	26,551	28,481	27,487	21,320	22,945
Non-Interest Income Growth (YoY)	-3.85%	-6.78%	3.62%	28.93%	-7.08%	8.22%
Revenues Before Loan Losses	75,301	70,352	68,151	69,652	54,526	56,219
Provision for Loan Losses	774	774	-	-	1,180	3,622
Revenue	74,527	69,578	68,151	69,652	53,346	52,597
Revenue Growth (YoY)	2.39%	2.09%	-2.15%	30.57%	1.42%	-5.85%
Selling, General & Administrative	27,710	26,826	27,512	27,130	27,186	29,019
Other Non-Interest Expense	34,449	31,666	31,593	34,778	18,874	16,800
Total Non-Interest Expense	62,159	58,492	59,105	61,908	46,060	45,819
EBT Excluding Unusual Items	12,368	11,086	9,046	7,744	7,286	6,778
Asset Writedown	-78	-30	-268	-325	-324	-454
Other Unusual Items	-1	-1	-	-1	-	-1
Pretax Income	12,289	11,055	8,778	7,418	6,962	6,323
Income Tax Expense	4,063	3,500	2,240	2,009	1,583	2,706
Earnings From Continuing Operations	8,226	7,555	6,538	5,409	5,379	3,617
Minority Interest in Earnings	15	-	-2	-	-3	-2
Net Income	8,241	7,555	6,536	5,409	5,376	3,615
Net Income to Common	8,241	7,555	6,536	5,409	5,376	3,615
Net Income Growth	-1.42%	15.59%	20.84%	0.61%	48.71%	-28.85%
Basic Shares Outstanding	15	16	16	16	16	16
Diluted Shares Outstanding	15	16	16	16	16	16
Shares Change (YoY)	-2.76%	-1.47%	0.15%	0.18%	0.17%	-9.80%
EPS (Basic)	541.09	485.57	413.78	342.75	340.97	229.61
EPS (Diluted)	537.27	482.12	411.01	340.64	339.17	228.47
EPS Growth	1.37%	17.30%	20.66%	0.43%	48.45%	-21.12%
Dividend Per Share	60.000	110.000	95.000	90.000	80.000	80.000
Dividend Growth	-40.00%	15.79%	5.56%	12.50%	-	-
Effective Tax Rate	33.06%	31.66%	25.52%	27.08%	22.74%	42.80%

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