Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Increase in interest income due to higher domestic interest rates and growth in the outstanding balance of loans; increase in other operating revenue and other ordinary revenue due to the sale of securities, including foreign government bonds and cross-shareholdings; increase in other operating expenses; and recognition of settlement proceeds related to the plan change concerning the advancement of the core banking system
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | ¥266,118 million (YoY +14.8%) |
| Ordinary income | ¥99,206 million (YoY +32.2%) |
| Profit attributable to owners of the parent | ¥74,253 million (YoY +39.3%) |
| Net income per share | ¥253.96 |
| Equity ratio | End of the current fiscal period 9.2 / End of previous period 8.7 |
| Total assets | ¥9,539,812 million |
| Net assets | ¥877,882 million |
| Cash flows from operating activities | ¥-161,022 million |
| Cash flows from investing activities | ¥238,811 million |
| Cash flows from financing activities | ¥-34,220 million |
| Cash and cash equivalents at end of period | ¥1,163,091 million |
| Full-year earnings forecast | Net Sales ¥270,000 million (YoY +1.5%) / Operating profit Not disclosed / Ordinary income ¥111,000 million (YoY +11.9%) / Net income ¥77,000 million (YoY +3.7%) |
| Annual Dividend Forecast | ¥60 → ¥80 |
| Payout ratio | Fiscal year ending March 2026 23.6 / Forecast for the fiscal year ending March 2027 30.1 |
| Shareholder Return Policy | Total payout ratio of at least 50% by FY2026 |
| Segment revenue | Banking ¥242,018 million, Leasing ¥21,463 million |
| Segment profit | Banking ¥98,160 million, Leasing ¥524 million |
| Depreciation and amortization | ¥7,795 million |
| Impairment loss | ¥207 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥9 million, Settlement proceeds received ¥6,000 million / Extraordinary loss Losses on disposal of fixed assets ¥451 million, Impairment Losses ¥207 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New Not disclosed / Excluded Not disclosed / Company name Not disclosed / Material changes No |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors |
| Issued Shares at Period-End | 313,408,831 |
| Treasury Shares at Period-End | 25,277,909 |
| Factors Behind Changes in Business Performance | Increase in interest income due to higher domestic interest rates and growth in the outstanding balance of loans; increase in other operating revenue and other ordinary revenue due to the sale of securities, including foreign government bonds and cross-shareholdings; increase in other operating expenses; and recognition of settlement proceeds related to the plan change concerning the advancement of the core banking system |
Items this document does not state (5)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Interest income increased due to higher domestic interest rates and growth in the outstanding balance of loans. Other operating revenue and other ordinary revenue also increased due to the sale of securities, including foreign government bonds and cross-shareholdings. In addition, ¥6 billion in settlement proceeds related to the "Plan Change Concerning the Advancement of the Core Banking System" was recognized as extraordinary income.