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.
Interest on loans increased by ¥2.9 billion year on year, reflecting an increase in loans from the promotion of primary banking relationships and stronger customer relationships, as well as higher loan yields due to higher policy interest rates and other factors. Interest and dividends on securities increased by ¥0.6 billion, mainly due to higher fund income. Other funds-related income decreased by ¥1.9 billion due to higher interest expenses on deposits and other funding. Non-interest revenue increased by ¥2.6 billion, mainly due to lower hedging costs for yen-denominated bonds. Expenses decreased by ¥0.3 billion, credit-related costs decreased by ¥1.3 billion due to the recognition of allowance for loan losses resulting from deteriorating credit quality at certain large borrowers, and gains and losses on bonds, shares and other securities increased by ¥0.7 billion.
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 |
| Ordinary income | ¥12,061 million (YoY +44.7%) |
| Profit attributable to owners of the parent | ¥8,121 million (YoY +40.8%) |
| Net income per share | ¥30.99 |
| Equity ratio | End of the current fiscal period 5.2% / End of previous period 5.7% |
| Total assets | ¥7,544,298 million |
| Net assets | ¥395,324 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 | ¥170.00 (¥21.25 on a post-stock-split basis) → ¥30.00 per share（+41.2% (on a post-stock-split basis)） |
| Segment revenue | Segment Banking / Ordinary revenue ¥42,418 million / Prior-year same-period actual results ¥31,950 million / yoy_pct Not disclosed, Segment Leasing / Ordinary revenue ¥3,899 million / Prior-year same-period actual results ¥3,670 million / yoy_pct Not disclosed |
| Segment profit | Segment Banking / Segment profit ¥11,148 million / Prior-year same-period actual results ¥8,034 million / yoy_pct Not disclosed, Segment Leasing / Segment profit ¥149 million / Prior-year same-period actual results ¥94 million / yoy_pct Not disclosed |
| Depreciation and amortization | ¥1,860 million |
| Breakdown of extraordinary income (loss) | Extraordinary income No / Extraordinary loss Losses on disposal of fixed assets ¥0 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| Change in accounting policy | Changes due to revisions to standards Yes / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New 0 companies / Excluded 0 companies / Company name None |
| Material subsequent events | No applicable matters. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No (no eligible attendees) |
| Issued Shares at Period-End | 289,189,176 shares |
| Treasury Shares at Period-End | 2,951,088 shares |
| Factors Behind Changes in Business Performance | Interest on loans increased by ¥2.9 billion year on year, reflecting an increase in loans from the promotion of primary banking relationships and stronger customer relationships, as well as higher loan yields due to higher policy interest rates and other factors. Interest and dividends on securities increased by ¥0.6 billion, mainly due to higher fund income. Other funds-related income decreased by ¥1.9 billion due to higher interest expenses on deposits and other funding. Non-interest revenue increased by ¥2.6 billion, mainly due to lower hedging costs for yen-denominated bonds. Expenses decreased by ¥0.3 billion, credit-related costs decreased by ¥1.3 billion due to the recognition of allowance for loan losses resulting from deteriorating credit quality at certain large borrowers, and gains and losses on bonds, shares and other securities increased by ¥0.7 billion. |
Items this document does not state (13)
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.Loans increased as the company promoted the development of primary banking relationships and strengthened customer relationships, while loan yields also rose due to higher policy interest rates and other factors. Interest and dividends on securities and non-interest revenue increased, and hedging costs for yen-denominated bonds decreased. Meanwhile, interest expenses on deposits and other funding, expenses, and credit-related costs weighed on profit.