Revenue and Profit Declines Due to Lower Interest and Dividend Income on Securities
First written in FY2017-Q1. 5 of 37 entries say "Restated". Latest entry: FY2026.
Jimoto Holdings moved to the "Worse" side of this theme in 2023.
1 other company's latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「The Group's ordinary income increased ¥5.806 billion from the previous consolidated fiscal year to ¥44.080 billion, mainly because interest income on loans increased. … Ordinary profit increased ¥1.028 billion to ¥3.159 billion, and net income attributable to owners of the parent increased ¥1.021 billion to ¥2.584 billion.」
The Group shifted from higher revenue and lower profit amid rising interest rates in the previous interim period to higher revenue and profit for the full year, driven by higher interest income on loans and other factors. Ordinary income was ¥44.080 billion, ordinary profit was ¥3.159 billion, and net income attributable to owners of the parent was ¥2.584 billion. - FY2026-H1Higher revenue and lower profit amid rising interest ratesAnnual report
「Ordinary revenue increased by ¥2.453 billion year on year to ¥21.609 billion, mainly because interest income on loans and other funds investment income increased. Ordinary expenses increased by ¥3.211 billion to ¥20.144 billion, mainly because interest expense on deposits and other funding costs increased. As a result, ordinary profit decreased by ¥758 million to ¥1.464 billion, while interim net income attributable to owners of the parent increased by ¥68 million to ¥1.482 billion.」
Unlike the previous pattern of lower revenue and profit caused by declining interest and dividend income on securities, revenue increased as interest income on loans and other items rose, while ordinary profit declined because interest on deposits and other items increased. - FY2025AdvancedAnnual report
「Ordinary income increased ¥24.459 billion from the previous consolidated fiscal year to a profit of ¥2.130 billion, and income attributable to owners of the parent increased ¥25.025 billion to a profit of ¥1.563 billion.」
The Group shifted from an ordinary loss of ¥22.329 billion and a net loss attributable to owners of the parent of ¥23.462 billion in the previous fiscal year to ordinary profit of ¥2.130 billion and net income attributable to owners of the parent of ¥1.563 billion for the fiscal year ended March 2025. - FY2025-H1Lower revenue, higher ordinary profit, and lower net income attributable to owners of the parentAnnual report
「The ordinary income of きらやか銀行 and 仙台銀行 increased, but the Group's ordinary income decreased ¥122 million from the previous interim consolidated accounting period to ¥19.156 billion, mainly because revenue at きらやかリース declined. … As a result, ordinary profit increased ¥214 million to ¥2.223 billion, while interim net income attributable to owners of the parent decreased ¥106 million to ¥1.414 billion.」
Ordinary income declined year on year, while ordinary profit increased because personnel expenses, taxes, and other items decreased, and interim net income attributable to owners of the parent declined. - FY2024WorsenedAnnual report
「Ordinary income decreased ¥18.031 billion from the previous consolidated fiscal year to a loss of ¥22.329 billion, and income attributable to owners of the parent decreased ¥16.380 billion to a loss of ¥23.462 billion.」
The losses widened substantially from the previous fiscal year's ordinary loss and net loss. The disclosure identifies higher losses related to securities and higher credit-related expenses as factors behind the decline in profit. - FY2024-Q3Cumulative profit maintained despite lower revenueAnnual report
「Ordinary income decreased ¥4 million from the same period of the previous year to ¥28.133 billion, mainly because funds investment income declined due to lower interest and dividend income on securities. Ordinary expenses decreased ¥2.852 billion to ¥25.419 billion, mainly because the prior-year special factors at きらやか銀行, including provisions for a major borrower, no longer applied. As a result, ordinary profit increased ¥2.848 billion to ¥2.713 billion, and quarterly net income attributable to owners of the parent increased ¥5.516 billion to ¥2.203 billion.」
While revenue continued to decline slightly due to lower interest and dividend income on securities, lower expenses resulting from the absence of the prior-year provisions related to a major borrower resulted in cumulative ordinary profit and cumulative quarterly net income attributable to owners of the parent. - FY2024-Q2Return to profitability in the interim periodAnnual report
「Ordinary income increased ¥461 million from the same period of the previous year to ¥19.278 billion. Funds investment income declined because of lower interest and dividend income on securities and other factors, but this was more than offset by higher commission and other service income and the reversal of the allowance for doubtful accounts. Ordinary expenses decreased ¥2.817 billion to ¥17.269 billion, mainly because the prior-year special factors at きらやか銀行, including provisions for a major borrower, no longer applied.」
Although the decline in interest and dividend income on securities continued, higher commission and other service income, the reversal of the allowance for doubtful accounts, and the absence of the prior-year provisions related to a major borrower resulted in a shift from lower revenue and a loss in the same period of the previous year to higher revenue and a profit. - FY2024-Q1WorsenedAnnual report
「Ordinary income decreased ¥420 million from the same period of the previous year to ¥9.253 billion, mainly because funds investment income declined due to lower interest and dividend income on securities. Ordinary expenses increased ¥206 million to ¥8.444 billion, mainly because additional provisions were recognized at きらやか銀行.」
In addition to lower revenue due to the decline in interest and dividend income on securities, expenses increased because きらやか銀行 recognized additional provisions, resulting in lower ordinary profit and net income year on year. - FY2023WorsenedAnnual report
「As a result, ordinary income decreased ¥8.784 billion from the previous consolidated fiscal year to a loss of ¥4.297 billion, and net income attributable to owners of the parent decreased ¥9.667 billion to a loss of ¥7.082 billion.」
In addition to lower interest and dividend income on securities, provisions recognized in connection with the failure of major business partners and other events resulted in a full-year ordinary loss and a net loss attributable to owners of the parent. - FY2023-Q3Continued lower revenue, an ordinary loss, and a quarterly net lossAnnual report
「Ordinary income decreased ¥2.110 billion from the same period of the previous year to ¥28.137 billion, mainly because funds investment income declined due to lower interest and dividend income on securities. Ordinary expenses increased ¥2.376 billion to ¥28.272 billion, mainly because provisions were recognized in connection with a major borrower whose performance deteriorated at きらやか銀行.」
In addition to lower revenue due to the decline in interest and dividend income on securities, expenses increased because provisions were recognized for a major borrower, resulting in an ordinary loss of ¥134 million and a quarterly net loss attributable to owners of the parent of ¥3.313 billion. - FY2023-Q2Shift to lower revenue, an ordinary loss, and an interim net lossAnnual report
「Ordinary income decreased ¥994 million year on year to ¥18.817 billion, mainly because funds investment income declined due to lower interest and dividend income on securities. Ordinary expenses increased ¥2.670 billion to ¥20.087 billion, mainly because provisions were recognized in connection with a major borrower whose performance deteriorated at きらやか銀行.」
In addition to lower revenue due to the decline in interest and dividend income on securities, expenses increased because provisions were recognized for a major borrower, resulting in an ordinary loss and an interim net loss attributable to owners of the parent. - FY2023-Q1Lower revenue and ordinary profit, but higher net incomeAnnual report
「Ordinary income decreased ¥889 million from the same period of the previous year to ¥9.674 billion, mainly because funds investment income declined due to lower interest income on loans and interest and dividend income on securities. Ordinary expenses decreased ¥709 million to ¥8.238 billion, mainly because operating expenses and other ordinary expenses declined. As a result, ordinary profit decreased ¥180 million to ¥1.435 billion, while quarterly net income attributable to owners of the parent increased ¥151 million to ¥980 million.」
The decline in interest income on loans, interest and dividend income on securities, and other items resulted in lower revenue and ordinary profit, while net income attributable to owners of the parent increased because operating expenses and other ordinary expenses declined. - FY2022Full-year shift to profit despite lower revenueAnnual report
「Ordinary income decreased ¥3.882 billion from the previous consolidated fiscal year to ¥40.207 billion. Ordinary expenses decreased ¥10.644 billion to ¥35.720 billion. As a result, ordinary profit increased ¥6.762 billion to ¥4.486 billion, and net income attributable to owners of the parent increased ¥5.761 billion to ¥2.585 billion.」
The Group shifted from an ordinary loss of ¥2.275 billion and a net loss attributable to owners of the parent of ¥3.176 billion in the previous fiscal year to full-year ordinary profit of ¥4.486 billion and net income of ¥2.585 billion, despite lower revenue. - FY2022-Q3Return to profitability despite lower revenueAnnual report
「Ordinary income decreased ¥3.740 billion from the same period of the previous year to ¥30.248 billion, mainly because prior-year special factors at subsidiary きらやか銀行, including gains on cancellation of investment trusts and gains on sales of receivables, fell away. Ordinary expenses decreased ¥8.698 billion to ¥25.896 billion, mainly because losses recognized in connection with the prior-year review of the securities portfolio at きらやか銀行 fell away.」
As prior-year special factors and losses recognized in connection with the review of the securities portfolio fell away, ordinary income declined, while lower ordinary expenses resulted in a shift from a loss in the same period of the previous year to a ¥4.351 billion profit. - FY2022-Q2Continued higher profit despite lower revenueAnnual report
「Ordinary income decreased ¥1.517 billion year on year to ¥19.812 billion, mainly because funds investment income declined due to lower interest income on loans and interest and dividend income on securities, despite an increase in commission and other service income. Ordinary expenses decreased ¥2.493 billion to ¥17.417 billion, mainly because other operating expenses declined as operating expenses and losses on redemption of government bonds and other bonds decreased.」
Revenue declined because interest income on loans and interest and dividend income on securities decreased, while lower operating expenses and losses on redemption of government bonds and other bonds reduced expenses and resulted in higher profit. - FY2022-Q1Shift to lower revenue and higher operating incomeAnnual report
「Ordinary income decreased ¥136 million from the same period of the previous year to ¥10.563 billion, mainly because funds investment income declined due to lower interest income on loans and interest and dividend income on securities. Ordinary expenses decreased ¥814 million to ¥8.947 billion, mainly because other operating expenses declined as losses on redemption of government bonds and other bonds decreased.」
Revenue declined because interest income on loans and interest and dividend income on securities decreased, while lower expenses, mainly because losses on redemption of government bonds and other bonds declined, resulted in higher ordinary profit year on year. - FY2021-Q3Shift from higher revenue to a lossAnnual report
「Ordinary income increased ¥4.830 billion from the same period of the previous year to ¥33.989 billion, mainly because funds investment income increased due to higher interest income on loans and interest and dividend income on securities. Ordinary expenses increased ¥6.851 billion to ¥34.594 billion, mainly because losses on redemption of government bonds and other bonds increased following a review of the securities investment portfolio at きらやか銀行. As a result, ordinary income decreased ¥2.020 billion to a loss of ¥605 million, and quarterly net income attributable to owners of the parent decreased ¥3.009 billion to a loss of ¥2.044 billion.」
Higher funds investment income increased revenue, while losses on redemption of bonds and other items associated with the review of the securities investment portfolio resulted in an ordinary loss and a quarterly net loss attributable to owners of the parent. - FY2021-Q2Higher revenue and profit alongside lower interim net income attributable to owners of the parentAnnual report
「Ordinary income increased ¥1.637 billion year on year to ¥21.329 billion, mainly because funds investment income increased despite a decline in other ordinary income. Ordinary profit increased ¥470 million to ¥1.419 billion, while interim net income attributable to owners of the parent decreased ¥647 million to ¥64 million because deferred income tax expense increased following the reversal of deferred tax assets at consolidated subsidiary きらやか銀行.」
Higher funds investment income increased ordinary income and ordinary profit year on year, while interim net income attributable to owners of the parent declined because deferred tax assets were reversed. - FY2021-Q1Return to revenue and profit growthAnnual report
「Ordinary income increased ¥712 million from the same period of the previous year to ¥10.700 billion, mainly because funds investment income increased due to higher interest income on loans and interest and dividend income on securities. Ordinary profit increased ¥272 million to ¥938 million, and quarterly net income attributable to owners of the parent increased ¥278 million to ¥792 million.」
The Group shifted from lower revenue and profit in the same period of the previous year to higher revenue and profit, driven by increases in interest income on loans and interest and dividend income on securities and other items. - FY2020Lower revenue and ordinary profit, but higher net incomeAnnual report
「The Group's ordinary income decreased ¥514 million from the previous consolidated fiscal year to ¥42.354 billion, mainly because interest and dividend income on securities and gains on sales of stocks and other securities declined, despite increases in interest income on loans and other operating income. Ordinary profit decreased ¥20 million to ¥2.571 billion, while net income attributable to owners of the parent increased ¥103 million to ¥1.733 billion.」
The decline in interest and dividend income on securities and other factors resulted in lower revenue and ordinary profit, while net income attributable to owners of the parent increased because operating expenses and other expenses declined. - FY2020-Q3Continued lower sales and lower profitAnnual report
「Ordinary income decreased ¥2.513 billion from the same period of the previous year to ¥29.141 billion, mainly because funds investment income declined due to lower interest and dividend income on securities and other factors, in addition to a decline in other ordinary income, despite an increase in commission and other service income. Ordinary profit decreased ¥833 million to ¥1.414 billion, and quarterly net income attributable to owners of the parent decreased ¥765 million to ¥964 million.」
Despite higher commission and other service income and lower operating expenses, ordinary income, ordinary profit, and quarterly net income attributable to owners of the parent all declined year on year because of lower interest and dividend income on securities and other factors. - FY2020-Q2Continued lower sales and lower profitAnnual report
「Ordinary income decreased ¥1.728 billion year on year to ¥19.670 billion, mainly because funds investment income and other ordinary income declined, despite an increase in commission and other service income. Ordinary expenses decreased ¥916 million year on year to ¥18.721 billion, mainly because operating expenses declined, despite an increase in other operating expenses. As a result, ordinary profit decreased ¥811 million to ¥948 million, and interim net income attributable to owners of the parent decreased ¥530 million to ¥711 million.」
Despite improvements in commission and other service income and operating expenses, revenue and profit declined year on year because of lower funds investment income and other ordinary income. - FY2020-Q1Continued lower sales and lower profitAnnual report
「For the three-month period ended 30 June, ordinary income decreased ¥1.088 billion from the same period of the previous year to ¥9.987 billion, mainly because funds investment income declined due to lower interest and dividend income on securities and other factors. Ordinary expenses decreased ¥463 million to ¥9.321 billion, mainly because operating expenses and other ordinary expenses declined. As a result, ordinary profit decreased ¥624 million to ¥665 million, and quarterly net income attributable to owners of the parent decreased ¥266 million to ¥513 million.」
Despite lower operating expenses and other items, ordinary income, ordinary profit, and quarterly net income attributable to owners of the parent all declined year on year, mainly because of lower interest and dividend income on securities and other factors. - FY2019Shift from higher revenue and lower profitAnnual report
「The Group's ordinary income increased ¥183 million from the previous consolidated fiscal year to ¥42.850 billion, mainly because other operating income, including gains on sales of receivables, increased despite a decline in interest and dividend income on securities. Ordinary profit decreased ¥1.124 billion to ¥2.592 billion, and net income attributable to owners of the parent decreased ¥1.387 billion to ¥1.630 billion.」
Higher other operating income offset the decline in interest and dividend income on securities, resulting in higher ordinary income, while ordinary profit and net income declined. - FY2019-Q3Continued lower sales and lower profitAnnual report
「For the nine-month period ended 31 December, the Group's ordinary income decreased ¥650 million year on year to ¥31.654 billion, mainly because funds investment income declined due to lower interest income on loans and interest and dividend income on securities, despite an increase in other operating income. Ordinary expenses increased ¥330 million year on year to ¥29.406 billion, mainly because losses on redemption of government bonds and other bonds and losses on sales of stocks and other securities increased, despite declines in operating expenses and funding costs. As a result, ordinary profit decreased ¥981 million year on year to ¥2.247 billion, and quarterly net income attributable to owners of the parent decreased ¥894 million to ¥1.730 billion.」
Despite an increase in other operating income, revenue and profit declined year on year because of lower funds investment income and higher losses on redemption of bonds and sales of stocks and other securities. - FY2019-Q2Continued Revenue and Profit GrowthAnnual report
「Ordinary income increased ¥173 million year on year to ¥21.398 billion, mainly because commission and other service income and gains on sales of government bonds and other bonds increased, despite declines in funds investment income and other ordinary income. Ordinary expenses decreased ¥83 million year on year to ¥19.638 billion, mainly because funding costs and operating expenses declined, despite increases in commission and other service expenses, other operating expenses, and losses on sales of stocks and other securities. As a result, ordinary profit increased ¥257 million year on year to ¥1.760 billion, and interim net income attributable to owners of the parent increased ¥58 million to ¥1.242 billion.」
Despite the ongoing decline in interest and dividend income on securities from the previous fiscal year, the interim period saw higher revenue and profit, driven by increases in commission and other service income and gains on sales of government bonds and other bonds, as well as lower expenses. - FY2019-Q1Turnaround from declining revenue and earnings to revenue and earnings growthAnnual report
「For the first 3 quarters of the current consolidated fiscal year, ordinary income increased by ¥526 million from the first 3 quarters of the previous consolidated fiscal year to ¥11,076 million, as other operating income increased despite decreases in interest on loans and interest and dividend income on securities. Ordinary profit increased by ¥598 million to ¥1,290 million, and profit attributable to owners of the parent for the quarter increased by ¥379 million to ¥780 million.」
The company shifted from lower income and profit in the first quarter of the previous fiscal year, due to declines in interest and dividend income on securities and other factors, to higher income and profit, supported by an increase in other operating income and other factors. Declines in interest on loans and interest and dividend income on securities continued. - FY2018RestatedAnnual report
「The group's ordinary income decreased by ¥1,465 million from the previous consolidated fiscal year to ¥42,666 million, mainly due to decreases in gains on sales of government bonds and other bonds and interest and dividend income on securities. Ordinary profit decreased by ¥1,020 million to ¥3,717 million, and profit attributable to owners of the parent for the year decreased by ¥1,610 million to ¥3,018 million.」
The pattern of lower income and profit continued for the full fiscal year, against a backdrop of declining interest and dividend income on securities and other factors. - FY2018-Q3RestatedAnnual report
「The group's ordinary income for the first 3 quarters of the current consolidated fiscal year decreased by ¥622 million year on year to ¥32,305 million, despite an increase in other ordinary income, mainly due to a decline in interest and dividend income on securities. Ordinary expenses increased by ¥145 million to ¥29,076 million, despite a decrease in funding costs, mainly due to an increase in fees and commissions paid. As a result, ordinary profit decreased by ¥768 million to ¥3,229 million, and profit attributable to owners of the parent for the quarter decreased by ¥1,312 million to ¥2,624 million.」
Although other ordinary income increased, the pattern of lower income and profit continued through the first 3 quarters due to a decline in interest and dividend income on securities and an increase in fees and commissions paid. - FY2018-Q2RestatedAnnual report
「Ordinary income decreased by ¥1,224 million year on year to ¥21,224 million, despite an increase in other ordinary income, mainly due to decreases in interest on loans and interest and dividend income on securities. Ordinary profit decreased by ¥1,296 million to ¥1,502 million, and interim profit attributable to owners of the parent decreased by ¥1,766 million to ¥1,183 million.」
Although other ordinary income increased, the pattern of lower income and profit continued in the interim period due to declines in interest on loans, interest and dividend income on securities and other factors. - FY2018-Q1Shift from higher income to lower income and profitAnnual report
「Ordinary income decreased by ¥819 million from the first 3 quarters of the previous consolidated fiscal year to ¥10,549 million, mainly due to decreases in interest on loans, interest and dividend income on securities, and other operating income. Ordinary expenses increased by ¥140 million to ¥9,857 million, despite a decline in funding costs, mainly due to increases in operating expenses and other ordinary expenses. As a result, ordinary profit decreased by ¥960 million to ¥691 million, and profit attributable to owners of the parent for the quarter decreased by ¥1,121 million to ¥400 million.」
The company shifted from higher income but lower profit in the previous full fiscal year to lower income and profit in the first quarter of the current fiscal year, mainly due to declines in interest on loans and interest and dividend income on securities. - FY2017RestatedAnnual report
「The group's ordinary income increased by ¥1,610 million from the previous consolidated fiscal year to ¥44,132 million, as other ordinary income increased following the consolidation of きらやかリース株式会社, despite a decline in income from fund management, including interest and dividend income on securities. Ordinary profit decreased by ¥545 million to ¥4,737 million, and profit attributable to owners of the parent for the year decreased by ¥261 million to ¥4,628 million.」
Although income increased due to the consolidation of きらやかリース, ordinary profit and profit attributable to owners of the parent declined because of decreases in interest and dividend income on securities and other factors, as well as higher expenses. - FY2017-Q3RestatedAnnual report
「The group's ordinary income increased by ¥1,300 million year on year to ¥32,928 million, as other ordinary income increased following the consolidation of きらやかリース株式会社, despite a decline in interest and dividend income on securities. Ordinary profit decreased by ¥495 million to ¥3,997 million, and profit attributable to owners of the parent for the quarter decreased by ¥666 million to ¥3,937 million.」
Although income increased due in part to the contribution from きらやかリース, ordinary profit and profit attributable to owners of the parent continued to decline, mainly due to a decrease in interest and dividend income on securities and other factors. - FY2017-Q2Shift to lower profit despite higher incomeAnnual report
「Ordinary income increased by ¥559 million year on year to ¥22,449 million, as other ordinary income increased following the consolidation of きらやかリース株式会社, despite a decline in interest and dividend income on securities. Ordinary profit decreased by ¥458 million to ¥2,799 million, while interim profit attributable to owners of the parent decreased by ¥343 million to ¥2,949 million.」
The company shifted from lower income and profit in the previous quarter to higher income but lower profit, with the consolidation of きらやかリース driving income growth. Profit continued to decline due to lower interest and dividend income on securities and higher expenses. - FY2017-Q1First statedAnnual report
「Ordinary income decreased by ¥381 million from the first 3 quarters of the previous consolidated fiscal year to ¥11,368 million. Although other ordinary income increased following the consolidation of きらやかリース株式会社, interest and dividend income on securities declined. Ordinary expenses increased by ¥571 million to ¥9,716 million, despite a decrease in funding costs, due mainly to an increase in other ordinary expenses following the consolidation of きらやかリース株式会社. As a result, ordinary profit decreased by ¥952 million to ¥1,652 million, and profit attributable to owners of the parent for the quarter decreased by ¥1,220 million to ¥1,522 million.」
Despite an increase in income from the consolidation of the leasing subsidiary, ordinary income, ordinary profit and profit attributable to owners of the parent all fell below the previous year’s levels, mainly due to a decline in interest and dividend income on securities and other factors.