# THE OITA BANK, LTD.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第220期(2025/04/01－2026/03/31) (S100YDA0)
> Page: https://vizora.meequs.com/en/company/oita-bank
> Retrieved: 2026-09-30T21:53:00.938Z

## Company

THE Oita Bank, founded in 1892, is a company in Regional Banks listed on TSE Prime. It has 1,626 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | THE OITA BANK, LTD. |
| Ticker | 8392 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8392.T) |
| Listing | TSE Prime |
| Head office | 大分県大分市府内町三丁目4番1号 |
| Representative (per filing) | 取締役頭取 高橋靖英 |
| Founded | Dec 1892 |
| Employees (consolidated) | 1,626 |
| Average salary (parent only) | ¥7.1M |
| Fiscal year end | March |
| Website | www.oitabank.co.jp (https://www.oitabank.co.jp/) |
| Corporate number | 7320001000084 |
| EDINET | E03596 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YDA0, filed 2026-06-18). As of filing

## Key points (generated from figures)

- About 87% of THE Oita Bank's ordinary revenue comes from Banking, with Leases and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥15 is left as ordinary profit.
- Ordinary revenue changed +27.6% from the prior year, ordinary profit +32.7%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥99.4B |  |
| Ordinary income | ¥14.7B | Margin 14.8% |
| Net income | ¥10.6B | Margin 10.7% |
| Employees (consolidated) | 1,626 |  |
| EPS | ¥127.66 |  |
| Diluted EPS | ¥126.77 |  |
| Book value per share | ¥2869.95 |  |
| Equity ratio | 5.5% |  |
| Shares outstanding | 15,693,000 |  |
| Treasury shares | 510,200 |  |
| Shareholders | 7,355 |  |
| Average salary (parent only) | ¥7.1M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥57709000000 | ¥99429000000 | +72.3% |
| Employees | 1,832 people | 1,626 people | -11.2% |
| Cash and equivalents | ¥506083000000 | ¥616329000000 | +21.8% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

| Flow | Revenue share |
| --- | ---: |
| 銀行業 → 銀行業 | 81.6% |
| リース業 → リース業 | 10.1% |
| リース業 → 事業再編・廃止 | 3.9% |
| その他 → その他 | 3.0% |
| その他 → 事業再編・廃止 | 1.3% |
| 新設・再編 → 銀行業 | 5.2% |

Segment revenue source references: 6 (derived)

## Business growth × margin

X-axis: segment revenue CAGR. Y-axis: latest operating margin. Bubble size: latest revenue. CAGR requires at least two comparable years.

| Segment | CAGR span | Revenue CAGR | Latest revenue | Operating margin | Source refs |
| --- | ---: | ---: | ---: | ---: | ---: |
| Banking | 5 years | +12.9% | ¥86347000000 | 15.4% | 2 |
| Leases | 5 years | +4.5% | ¥10087000000 | 4.5% | 2 |
| Other | 5 years | +3.7% | ¥3006000000 | 32.1% | 2 |

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 99,429 | 100.0% | S100YDA0 |
| Ordinary expenses | 84,719 | 85.2% | S100YDA0 |
| Ordinary income | 14,710 | 14.8% | S100YDA0 |
| Extraordinary income | 20 | 0.0% | S100YDA0 |
| Extraordinary loss | 178 | 0.2% | S100YDA0 |
| Pretax income | 14,551 | 14.6% | S100YDA0 |
| Income tax | 3,975 | 4.0% | S100YDA0 |
| Net income | 10,575 | 10.6% | S100YDA0 |
| Net income attributable to owners | 10,595 | 10.7% | S100YDA0 |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 85 |
| Ordinary income | 15 |
| (Ref.) Net income | 11 |

### Margin funnel

Ordinary margin 14.8% → Net margin 10.7%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +27.6%; Core profit growth: +32.7%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 1.18×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 77,922 | 99,429 | 21,507 | +27.6% |
| Net income attributable to owners | 7,555 | 10,595 | 3,040 | +40.2% |
| Operating cash flow | -118,204 | -217,843 | -99,639 | — |
| Free cash flow | -120,152 | -220,725 | -100,573 | — |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 58,980 | — | — | 7,540 | 75,841 | — | S100LPGA |
| FY ending Mar 2018 | 60,966 | — | — | 5,976 | -33,781 | — | S100OF7O |
| FY ending Mar 2019 | 61,696 | — | — | 5,759 | 67,364 | — | S100R1JE |
| FY ending Mar 2020 | 60,805 | — | — | 5,081 | 112,975 | 111,269 | S100LPGA |
| FY ending Mar 2021 | 57,709 | — | — | 3,615 | 341,521 | 339,458 | S100OF7O |
| FY ending Mar 2022 | 55,520 | — | — | 5,376 | 470,282 | 468,910 | S100R1JE |
| FY ending Mar 2023 | 72,905 | — | — | 5,409 | -95,940 | -98,871 | S100TOTX |
| FY ending Mar 2024 | 73,240 | — | — | 6,536 | 132,694 | 131,176 | S100VYMF |
| FY ending Mar 2025 | 77,922 | — | — | 7,555 | -118,204 | -120,152 | S100YDA0 |
| FY ending Mar 2026 | 99,429 | — | — | 10,595 | -217,843 | -220,725 | S100YDA0 |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥61.1M |
| Net income per employee (consolidated) | ¥6.5M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 1,767 | 1,750 | 1,715 | 1,653 | 1,626 |
| Average salary (parent company) | ¥6.4M | ¥6.5M | ¥6.6M | ¥6.8M | ¥7.1M |
| Average age (parent company) | 37.8 years | 39.0 years | 39.0 years | 39.1 years | 39.5 years |
| Average tenure (parent company) | 15.5 years | 15.6 years | 15.9 years | 16.2 years | 15.9 years |

Year over year: Employees (consolidated) -1.6% · Revenue (consolidated) +27.6%

## Segments（FY ending Mar 2026, consolidated, J-GAAP、JPY mn）

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking | 86,347 | 86.8% | 13,339 | 15.4% |
| Leases | 10,087 | 10.1% | 457 | 4.5% |
| Other | 3,006 | 3.0% | 964 | 32.1% |

### segmentMix — Revenue and profit mix

Calculated from disclosed figures (DERIVED). Shares use total segment revenue and total positive segment profit respectively. Difference = profit share − revenue share (pt). Inter-segment sales may prevent reconciliation to company revenue.

| Segment | Revenue share |
| --- | ---: |
| Banking | 86.8% |
| Leases | 10.1% |
| Other | 3.0% |

Segment → industry: Banking → Regional Banks / Other → Credit Cards & Consumer Credit / Leases → Leasing

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | -217,843 | -219.1% | S100YDA0 |
| Capital expenditure | 2,882 | 2.9% | S100YDA0 |
| Free cash flow | -220,725 | -222.0% | 算出 |
| Investing cash flow | 58,726 | 59.1% | S100YDA0 |
| Financing cash flow | -2,984 | -3.0% | S100YDA0 |
| Dividends paid | 2,208 | 2.2% | S100YDA0 |
| Share buyback | 1,010 | 1.0% | S100YDA0 |
| Change in cash | -162,098 | -163.0% | S100YDA0 |
| Cash and equivalents | 616,329 | 619.9% | S100YDA0 |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社(信託口） | Major shareholder | 9.7% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 4.5% | 2026-03-31 |
| 大分銀行行員持株会 | Major shareholder | 3.0% | 2026-03-31 |
| 野村證券株式会社 | Major shareholder | 2.7% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 2.5% | 2026-03-31 |
| 日本生命保険相互会社 | Major shareholder | 2.4% | 2026-03-31 |
| GOLDMAN SACHS INTERNATIONAL(常任代理人 ゴールドマン・サックス証券株式会社) | Major shareholder | 2.3% | 2026-03-31 |
| 大同生命保険株式会社 | Major shareholder | 1.7% | 2026-03-31 |
| 高橋 慧 | Major shareholder | 1.4% | 2026-03-31 |
| 膳所 英敏 | Major shareholder | 1.4% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第220期(2025/04/01－2026/03/31) | S100YDA0 | 2026-06-18 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YDA0,, |
| 有価証券報告書－第219期(2024/04/01－2025/03/31) | S100VYMF | 2025-06-18 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100VYMF,, |
| 有価証券報告書－第218期(2023/04/01－2024/03/31) | S100TOTX | 2024-06-21 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TOTX,, |
| 有価証券報告書－第217期(2022/04/01－2023/03/31) | S100R1JE | 2023-06-23 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R1JE,, |
| 有価証券報告書－第216期(令和3年4月1日－令和4年3月31日) | S100OF7O | 2022-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OF7O,, |
| 有価証券報告書－第215期(令和2年4月1日－令和3年3月31日) | S100LPGA | 2021-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LPGA,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).