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	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	32,873	27,891	26,137	25,940	26,359	26,543
Interest Income on Investments	4,917	3,458	3,160	2,308	1,429	1,456
Total Interest Income	37,790	31,349	29,297	28,248	27,788	27,999
Interest Paid on Deposits	4,429	1,738	103	84	109	347
Interest Paid on Borrowings	296	296	1,914	886	64	67
Total Interest Expense	4,725	2,034	2,017	970	173	414
Net Interest Income	33,065	29,315	27,280	27,278	27,615	27,585
Net Interest Income Growth (YoY)	14.68%	7.46%	0.01%	-1.22%	0.11%	-1.72%
Gain (Loss) on Sale of Assets	-65	-85	-69	-64	-221	-94
Gain (Loss) on Sale of Investments	1,664	1,664	843	421	-206	-29
Other Non-Interest Income	38,106	36,136	35,783	31,286	29,223	29,279
Total Non-Interest Income	39,705	37,715	36,557	31,643	28,796	29,156
Non-Interest Income Growth (YoY)	6.63%	3.17%	15.53%	9.89%	-1.23%	-8.31%
Revenues Before Loan Losses	72,770	67,030	63,837	58,921	56,411	56,741
Provision for Loan Losses	1,501	1,501	694	223	537	3,862
Revenue	71,269	65,529	63,143	58,698	55,874	52,879
Revenue Growth (YoY)	8.13%	3.78%	7.57%	5.05%	5.66%	-9.21%
Selling, General & Administrative	29,663	28,744	28,244	26,674	27,150	27,792
Other Non-Interest Expense	29,107	28,543	26,516	23,590	21,015	21,337
Total Non-Interest Expense	58,770	57,287	54,760	50,264	48,165	49,129
EBT Excluding Unusual Items	12,499	8,242	8,383	8,434	7,709	3,750
Asset Writedown	-	-	-20	-4	-141	-21
Other Unusual Items	-16	-	-	-1	547	-1
Pretax Income	12,483	8,242	8,363	8,429	8,115	3,728
Income Tax Expense	3,670	2,491	2,712	2,533	2,525	1,149
Earnings From Continuing Operations	8,813	5,751	5,651	5,896	5,590	2,579
Net Income	8,813	5,751	5,651	5,896	5,590	2,579
Net Income to Common	8,813	5,751	5,651	5,896	5,590	2,579
Net Income Growth	43.72%	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)	-0.86%	-0.74%	-1.70%	-0.77%	-0.90%	0.09%
EPS (Basic)	214.43	139.02	135.70	139.38	131.17	60.01
EPS (Diluted)	214.31	138.92	135.50	138.98	130.74	59.79
EPS Growth	44.96%	2.52%	-2.50%	6.30%	118.66%	-47.95%
Dividend Per Share	38.000	38.000	37.000	35.000	35.000	25.000
Dividend Growth	105.40%	2.70%	5.71%	-	40.00%	-28.57%
Effective Tax Rate	29.40%	30.22%	32.43%	30.05%	31.11%	30.82%

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