Worth reading
81Important
Scored from 4 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
122
¥100 million (year-on-year increase in quarterly net income attributable to owners of the parent)Wording
Definitive
How definitive the wording is.Contents of this document
Earnings presentationFirst quarter of fiscal 20267 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary incomeFG consolidated 498; bank-only aggregate 487
Net income¥345 100 million
Results for the three months of the current quarterThe first-quarter results include net income attributable to owners of the parent of ¥34.5 billion, aggregate ordinary profit of the banks on a non-consolidated basis of ¥48.7 billion, core business net income of ¥37.3 billion, and credit costs of ¥1.8 billion.
Full-year earnings forecast
Ordinary income
¥1,535 100 million
Profit attributable to owners of the parent
¥1,050 100 million
ROE (net asset basis)
9.5 Approximately %
Annual dividend per share
44 yen
Progress against full-year forecast 通期の予想に対して、いまどこまで進んだかの割合です。
Ordinary income
FG consolidated32.4 ％
Profit attributable to owners of the parent
FG consolidated, revised forecast32.8 ％
Net income attributable to owners of the parent, initial forecast
36.3 ％
Aggregate ordinary profit of the banks on a non-consolidated basis
32.4 ％
Aggregate quarterly net income of the banks on a non-consolidated basis
32.7 ％
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
Credit costs were ¥1.8 billion in the first quarter against the full-year plan of ¥10.0 billion, representing broadly on-track progress.Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
- Loan-deposit interest spreadChange+¥4.7 billion
- Customer-related services profitChange+¥1.3 billion
- Securities-related incomeChange+¥4.2 billion
- ExpensesChange+¥1.4 billion (factor reducing profit)
- Gains on securities transactions and other activitiesChange+¥7.7 billion
- Credit CostsChange-¥600 million
- Other extraordinary income (loss)Change+¥600 million
New initiatives
- Active investment in human capital
- Strengthening marketing
- Reshuffling the securities portfolio, centered on domestic bonds, to improve risk control and profitability
- Support for customers' business improvement
Key KPIsA metric the company considers important as a management benchmark.
- Loan balance¥135,259 100 millionYear on year against the same period last year+¥508.7 billion, +3.9%
- Deposits¥183,756 100 millionYear on year against the same period last year+¥218.9 billion, +1.2%
- Assets under custody¥32,031 100 millionYear on year against the same period last year+¥581.6 billion, +22.1%
- Fees related to assets under custody¥48.8 100 millionYear on year against the same period last year+¥1.59 billion, +48.4%
- OHR44.3 ％Year on year against the same period last yearDown from 49.8%
- Number of Securities Held for Policy Purposes198 Issue
- ROE (net asset basis)9.1 ％
Unit price and quantity metricsThese figures show sales broken down by price and volume.
- Average loan balance+¥545.5 billion year on year
- Loan yield+23.3 bp year on year
- Interest on yen-denominated loans+¥9.2 billion year on year
Annual Dividend
44 Yen per share per year
Payout ratio
39.3 ％
| Item | Details |
|---|---|
| Document type | Earnings presentation |
| Fiscal Period Covered | First quarter of fiscal 2026 |
| Ordinary income | FG consolidated 498; bank-only aggregate 487 |
| Net income | ¥345 100 million |
| Results for the three months of the current quarter | The first-quarter results include net income attributable to owners of the parent of ¥34.5 billion, aggregate ordinary profit of the banks on a non-consolidated basis of ¥48.7 billion, core business net income of ¥37.3 billion, and credit costs of ¥1.8 billion. |
| Full-year earnings forecast | Ordinary income ¥1,535 100 million / Profit attributable to owners of the parent ¥1,050 100 million / ROE (net asset basis) 9.5 Approximately % / Annual dividend per share 44 yen |
| Progress against full-year forecast | Ordinary income 32.4 ％ / Profit attributable to owners of the parent 32.8 ％ / Net income attributable to owners of the parent, initial forecast 36.3 ％ / Aggregate ordinary profit of the banks on a non-consolidated basis 32.4 ％ / Aggregate quarterly net income of the banks on a non-consolidated basis 32.7 ％ |
| Self-assessment against the plan | Credit costs were ¥1.8 billion in the first quarter against the full-year plan of ¥10.0 billion, representing broadly on-track progress. |
| Breakdown of Factors Affecting the Change | Factors Loan-deposit interest spread / Change +¥4.7 billion, Factors Customer-related services profit / Change +¥1.3 billion, Factors Securities-related income / Change +¥4.2 billion, Factors Expenses / Change +¥1.4 billion (factor reducing profit), Factors Gains on securities transactions and other activities / Change +¥7.7 billion, Factors Credit Costs / Change -¥600 million, Factors Other extraordinary income (loss) / Change +¥600 million |
| Key KPIs | Indicator name Loan balance / Value ¥135,259 100 million / Year on year against the same period last year +¥508.7 billion, +3.9%, Indicator name Deposits / Value ¥183,756 100 million / Year on year against the same period last year +¥218.9 billion, +1.2%, Indicator name Assets under custody / Value ¥32,031 100 million / Year on year against the same period last year +¥581.6 billion, +22.1%, Indicator name Fees related to assets under custody / Value ¥48.8 100 million / Year on year against the same period last year +¥1.59 billion, +48.4%, Indicator name OHR / Value 44.3 ％ / Year on year against the same period last year Down from 49.8%, Indicator name Number of Securities Held for Policy Purposes / Value 198 Issue / Year on year against the same period last year Not disclosed, Indicator name ROE (net asset basis) / Value 9.1 ％ / Year on year against the same period last year Not disclosed |
| Unit price and quantity metrics | Indicator name Average loan balance / Value +¥545.5 billion year on year, Indicator name Loan yield / Value +23.3 bp year on year, Indicator name Interest on yen-denominated loans / Value +¥9.2 billion year on year |
| Annual Dividend | 44 Yen per share per year |
| Payout ratio | 39.3 ％ |
| New initiatives | Active investment in human capital, Strengthening marketing, Reshuffling the securities portfolio, centered on domestic bonds, to improve risk control and profitability, Support for customers' business improvement |
Items this document does not state (17)
Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesSegment resultsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&A
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.A wider loan-deposit interest spread reflecting rising domestic interest rates, higher yields and increased securities-related income following the reshuffling of the securities portfolio, increased interest on deposits with the Bank of Japan, and higher gains on securities transactions and other activities. Expenses increased due to investments in human capital and strengthened marketing activities.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.