The Oita Bank, Ltd. (TYO: 8392)

The Oita Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	25,531	24,499	22,475	20,860	21,243	22,442
Interest Income on Investments	21,035	19,458	21,644	12,835	12,573	14,945
Total Interest Income	46,566	43,957	44,119	33,695	33,816	37,387
Interest Paid on Deposits	879	287	188	254	381	500
Interest Paid on Borrowings	4,000	4,000	1,766	235	161	468
Total Interest Expense	4,879	4,287	1,954	489	542	968
Net Interest Income	41,687	39,670	42,165	33,206	33,274	36,419
Net Interest Income Growth (YoY)	1.32%	-5.92%	26.98%	-0.20%	-8.64%	0.97%
Gain (Loss) on Sale of Assets	15	-36	-51	40	12	30
Gain (Loss) on Sale of Investments	5,920	6,062	706	904	3,265	478
Other Non-Interest Income	21,501	22,455	26,832	20,376	19,668	20,695
Total Non-Interest Income	27,436	28,481	27,487	21,320	22,945	21,203
Non-Interest Income Growth (YoY)	3.10%	3.62%	28.93%	-7.08%	8.22%	-4.14%
Revenues Before Loan Losses	69,123	68,151	69,652	54,526	56,219	57,622
Provision for Loan Losses	-	-	-	1,180	3,622	1,759
Revenue	69,123	68,151	69,652	53,346	52,597	55,863
Revenue Growth (YoY)	2.02%	-2.15%	30.57%	1.42%	-5.85%	-4.00%
Selling, General & Administrative	26,508	27,512	27,130	27,186	29,019	29,035
Other Non-Interest Expense	32,585	31,593	34,778	18,874	16,800	17,469
Total Non-Interest Expense	59,093	59,105	61,908	46,060	45,819	46,504
EBT Excluding Unusual Items	10,030	9,046	7,744	7,286	6,778	9,359
Asset Writedown	-268	-268	-325	-324	-454	-811
Other Unusual Items	-	-	-1	-	-1	-7
Pretax Income	9,762	8,778	7,418	6,962	6,323	8,541
Income Tax Expense	2,721	2,240	2,009	1,583	2,706	3,460
Earnings From Continuing Operations	7,041	6,538	5,409	5,379	3,617	5,081
Minority Interest in Earnings	-2	-2	-	-3	-2	-
Net Income	7,039	6,536	5,409	5,376	3,615	5,081
Net Income to Common	7,039	6,536	5,409	5,376	3,615	5,081
Net Income Growth	21.91%	20.84%	0.61%	48.71%	-28.85%	-11.77%
Basic Shares Outstanding	16	16	16	16	16	16
Diluted Shares Outstanding	16	16	16	16	16	18
Shares Change (YoY)	-0.30%	0.15%	0.18%	0.17%	-9.80%	-3.68%
EPS (Basic)	447.35	413.78	342.75	340.97	229.61	322.85
EPS (Diluted)	444.21	411.01	340.64	339.17	228.47	289.65
EPS Growth	22.26%	20.66%	0.43%	48.45%	-21.12%	-8.41%
Dividend Per Share	100.000	95.000	90.000	80.000	80.000	80.000
Dividend Growth	5.26%	5.56%	12.50%	0%	0%	0%
Effective Tax Rate	27.87%	25.52%	27.08%	22.74%	42.80%	40.51%

Source: S&P Capital IQ. Banks template. Financial Sources.