Results for this period
First quarter1 April 2026 to 30 June 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.
Ordinary revenue increased due to higher interest on loans and interest and dividends on securities, as well as the recognition of gains on sales of securities. However, ordinary expenses increased due to the recognition of loan-loss provisions following the decision to commence bankruptcy proceedings for 株式会社全東信, higher deposit interest, and losses from the forced sale of securities, resulting in lower ordinary profit and net profit for the quarter.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | ¥2,955 million (YoY +14.8%) |
| Ordinary income | ¥-851 million |
| Profit attributable to owners of the parent | ¥-794 million |
| Net income per share | -¥96.60 |
| Equity ratio | End of the current fiscal period 1.9 / End of previous period 2.1 |
| Total assets | ¥563,157 million |
| Net assets | ¥11,026 million |
| Full-year earnings forecast | Net Sales ¥12,160 million (YoY -0.6%) / Operating profit Not disclosed / Ordinary income ¥330 million (YoY -21.0%) / Net income ¥270 million (YoY -27.2%) |
| Annual Dividend Forecast | ¥10 → ¥10（0.0%） |
| Segment revenue | Banking ¥2,540 million / Leasing ¥456 million |
| Segment profit | Banking ¥-852 million / Leasing ¥16 million |
| Depreciation and amortization | ¥161 million |
| Impairment loss | No applicable matters. |
| Breakdown of extraordinary income (loss) | Extraordinary income Not disclosed / Extraordinary loss Not disclosed |
| 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 | No (no companies newly consolidated or excluded) |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No |
| Issued Shares at Period-End | 8,416,000 shares |
| Treasury Shares at Period-End | 194,571 shares |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to higher interest on loans and interest and dividends on securities, as well as the recognition of gains on sales of securities. However, ordinary expenses increased due to the recognition of loan-loss provisions following the decision to commence bankruptcy proceedings for 株式会社全東信, higher deposit interest, and losses from the forced sale of securities, resulting in lower ordinary profit and net profit for the quarter. |
Items this document does not state (12)
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.This was due to the recognition of ¥800 million in specific loan-loss provisions following the decision to commence bankruptcy proceedings for 株式会社全東信, and ¥170 million in general loan-loss provisions due to the increase in the historical loss rate, in addition to higher other operating expenses resulting from deposit interest and losses from the forced sale of securities.