Bank of The Ryukyus, Limited (TYO:8399)

Bank of The Ryukyus 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	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	31,210	27,891	26,137	25,940	26,359	26,543
Interest Income on Investments	4,035	3,458	3,160	2,308	1,429	1,456
Total Interest Income	35,245	31,349	29,297	28,248	27,788	27,999
Interest Paid on Deposits	3,631	1,738	103	84	109	347
Interest Paid on Borrowings	296	296	1,914	886	64	67
Total Interest Expense	3,927	2,034	2,017	970	173	414
Net Interest Income	31,318	29,315	27,280	27,278	27,615	27,585
Net Interest Income Growth (YoY)	10.88%	7.46%	0.01%	-1.22%	0.11%	-1.72%
Gain (Loss) on Sale of Assets	-68	-85	-69	-64	-221	-94
Gain (Loss) on Sale of Investments	1,003	1,664	843	421	-206	-29
Other Non-Interest Income	37,496	36,136	35,783	31,286	29,223	29,279
Total Non-Interest Income	38,431	37,715	36,557	31,643	28,796	29,156
Non-Interest Income Growth (YoY)	3.68%	3.17%	15.53%	9.89%	-1.23%	-8.31%
Revenues Before Loan Losses	69,749	67,030	63,837	58,921	56,411	56,741
Provision for Loan Losses	1,116	1,501	694	223	537	3,862
Revenue	68,633	65,529	63,143	58,698	55,874	52,879
Revenue Growth (YoY)	6.49%	3.78%	7.57%	5.05%	5.66%	-9.21%
Selling, General & Administrative	29,345	28,744	28,244	26,674	27,150	27,792
Other Non-Interest Expense	28,691	28,543	26,516	23,590	21,015	21,337
Total Non-Interest Expense	58,036	57,287	54,760	50,264	48,165	49,129
EBT Excluding Unusual Items	10,597	8,242	8,383	8,434	7,709	3,750
Asset Writedown	-15	-	-20	-4	-141	-21
Other Unusual Items	-1	-	-	-1	547	-1
Pretax Income	10,581	8,242	8,363	8,429	8,115	3,728
Income Tax Expense	3,054	2,491	2,712	2,533	2,525	1,149
Earnings From Continuing Operations	7,527	5,751	5,651	5,896	5,590	2,579
Net Income	7,527	5,751	5,651	5,896	5,590	2,579
Net Income to Common	7,527	5,751	5,651	5,896	5,590	2,579
Net Income Growth	42.18%	1.77%	-4.15%	5.47%	116.75%	-47.91%
Basic Shares Outstanding	41	41	42	42	43	43
Diluted Shares Outstanding	41	41	42	42	43	43
Shares Change (YoY)	-0.85%	-0.74%	-1.70%	-0.77%	-0.90%	0.09%
EPS (Basic)	182.75	139.02	135.70	139.38	131.17	60.01
EPS (Diluted)	182.64	138.92	135.50	138.98	130.74	59.79
EPS Growth	43.40%	2.52%	-2.50%	6.30%	118.66%	-47.95%
Dividend Per Share	46.000	38.000	37.000	35.000	35.000	25.000
Dividend Growth	22.67%	2.70%	5.71%	-	40.00%	-28.57%
Effective Tax Rate	28.86%	30.22%	32.43%	30.05%	31.11%	30.82%

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