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.
Interest on loans increased by ¥12.6 billion due to efforts to increase primary-banking relationships, stronger customer relationships, and higher lending yields. Interest and dividends on securities increased by ¥3.0 billion due mainly to higher fund income, while other fund income decreased by ¥10.3 billion due mainly to higher interest on deposits and other liabilities. Non-interest income increased by ¥3.1 billion due mainly to lower hedging costs. Expenses decreased by ¥2.1 billion due to higher personnel and property expenses, credit-related expenses decreased by ¥0.9 billion due mainly to deterioration in the credit quality of certain large borrowers, and gains and losses related to bonds and shares increased by ¥9.9 billion due mainly to higher gains on sales of shares.
None (no matters applicable to the note on going concern)
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Ordinary income | ¥60,478 million (YoY +45.1%) |
| Profit attributable to owners of the parent | ¥42,357 million (YoY +35.0%) |
| Net income per share | ¥1,379.11 |
| Equity ratio | End of the current fiscal period 5.7 / End of previous period 5.2 |
| Total assets | ¥7,317,357 million |
| Net assets | ¥423,440 million |
| Cash flows from operating activities | ¥-137,813 million |
| Cash flows from investing activities | ¥-11,031 million |
| Cash flows from financing activities | ¥-5,319 million |
| Cash and cash equivalents at end of period | ¥823,593 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥58,600 million (YoY -3.1%) / Net income ¥40,000 million (YoY -5.5%) |
| Annual Dividend Forecast | ¥170 → ¥30（-82.4%） |
| Payout ratio | 12.3% actual for the fiscal year ending March 2026; 20.9% forecast for the fiscal year ending March 2027 |
| Shareholder Return Policy | Ensure financial soundness through appropriate retained earnings and provide continuous and stable dividends |
| Segment revenue | Segment Banking / Net Sales ¥162,069 million / Prior-year period ¥130,528 million / Year on year against the same period last year Not disclosed, Segment Leasing / Net Sales ¥15,843 million / Prior-year period ¥14,362 million / Year on year against the same period last year Not disclosed |
| Segment profit | Segment Banking / Segment profit ¥57,540 million / Prior-year period ¥39,663 million / Year on year against the same period last year Not disclosed, Segment Leasing / Segment profit ¥472 million / Prior-year period ¥423 million / Year on year against the same period last year Not disclosed |
| Depreciation and amortization | ¥7,464 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥505 million / Extraordinary loss Losses on disposal of fixed assets ¥136 million |
| Disclosure regarding the going concern assumption | None (no matters applicable to the note on going concern) |
| 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 Number of companies 2 / Company name KCP Equity Assist No. 1 Investment Limited Partnership, A&KC Mezzanine Finance No. 1 Investment Limited Partnership / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | A resolution was passed to convert and cancel the Class 1 preferred shares into common shares, acquire and cancel the Class 2 preferred shares, split the common shares, and submit amendments to the Articles of Incorporation for approval. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Held (対象者：Not disclosed) |
| Issued Shares at Period-End | 30,650,115 |
| Treasury Shares at Period-End | 366,750 |
| Factors Behind Changes in Business Performance | Interest on loans increased by ¥12.6 billion due to efforts to increase primary-banking relationships, stronger customer relationships, and higher lending yields. Interest and dividends on securities increased by ¥3.0 billion due mainly to higher fund income, while other fund income decreased by ¥10.3 billion due mainly to higher interest on deposits and other liabilities. Non-interest income increased by ¥3.1 billion due mainly to lower hedging costs. Expenses decreased by ¥2.1 billion due to higher personnel and property expenses, credit-related expenses decreased by ¥0.9 billion due mainly to deterioration in the credit quality of certain large borrowers, and gains and losses related to bonds and shares increased by ¥9.9 billion due mainly to higher gains on sales of shares. |
Items this document does not state (7)
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.Profit was boosted by growth in loans outstanding and higher lending yields, increased fund income, lower hedging costs for yen-denominated and foreign-currency bonds, and higher gains on sales of shares. On the other hand, interest on deposits and other liabilities, personnel and property expenses, and credit-related expenses arising from deterioration in the credit quality of certain large borrowers reduced profit.