Diversification of Revenue Streams and Integration of Market-Related Systems in a Low-Interest-Rate Environment
First written in FY2016. 14 of 31 entries say "Advanced", first in FY2017-Q3. Latest entry: FY2026.
1 other company's latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「Net interest income increased by ¥9,627 million from the previous consolidated fiscal year to ¥113,345 million, trust fees increased by ¥168 million to ¥374 million, and net fees and commissions increased by ¥652 million to ¥17,925 million.」
Against a backdrop of changes in the interest-rate environment, net interest income increased, as did trust fees and net fees and commissions. The deficit in other operating income (loss) narrowed, with improvement confirmed across multiple revenue items. - 2026-05-14AdvancedEarnings
「Ordinary revenue increased by ¥11,958 million year on year to ¥263,250 million, mainly due to increases in funds investment income and fees and commissions.」
Increases in funds investment income and fees and commissions were disclosed, indicating an improvement in revenue sources. - FY2026-H1AdvancedAnnual report
「Net interest income for the six months ended 30 September of the current fiscal year increased by ¥5,385 million year on year to ¥54,724 million, trust fees increased by ¥101 million to ¥188 million, net fees and commissions increased by ¥299 million to ¥8,984 million, trading income decreased by ¥1 million to ¥68 million, and other operating income (loss) increased by ¥1,866 million to ¥758 million.」
Net interest income, trust fees, net fees and commissions, and other operating income (loss) increased from the same period of the previous year, improving the main revenue items. Trading income decreased slightly. - FY2025Net interest income and net fees and commissions increase alongside deterioration in other operating income (loss)Annual report
「Net interest income increased by ¥9,769 million from the previous consolidated fiscal year to ¥103,718 million, net fees and commissions increased by ¥777 million to ¥17,272 million, and other operating income (loss) decreased by ¥8,396 million to a loss of ¥13,735 million.」
Net interest income and net fees and commissions increased against a backdrop of changes in the interest-rate environment, while the deficit in other operating income (loss) widened. Trends in the revenue sources were not uniform. - FY2025-H1Increase in net fees and commissions and expansion of the deficit in other operating income (loss)Annual report
「Net interest income increased by ¥4,820 million year on year to ¥4,939 million, trust fees increased by ¥19 million to ¥86 million, net fees and commissions increased by ¥363 million to ¥8,685 million, trading income decreased by ¥25 million to ¥69 million, and other operating income (loss) decreased by ¥283 million to a loss of ¥1,107 million.」
Net fees and commissions associated with diversifying revenue sources increased, while the deficit in other operating income (loss) widened from ¥823 million in the same period of the previous year to ¥1,107 million. The trends in individual revenue items were not uniform. - FY2024-Q3Higher foreign-currency funding costs and narrowing of the deficit in other operating income (loss)Annual report
「Meanwhile, ordinary expenses increased by ¥6,188 million year on year to ¥135,141 million, mainly due to higher funding costs resulting from an increase in foreign-currency funding costs. For the nine months ended 31 December of the current fiscal year, net interest income decreased by ¥3,396 million year on year to ¥7,156 million, trust fees increased by ¥17 million to ¥116 million, net fees and commissions decreased by ¥30 million to ¥11,817 million, trading income decreased by ¥424 million to ¥151 million, and other operating income (loss) increased by ¥5,496 million to a loss of ¥2,259 million.」
Funding costs increased due to higher foreign-currency funding costs, while net interest income, net fees and commissions, and trading income decreased. Meanwhile, the deficit in other operating income (loss) narrowed from ¥7,756 million in the same period of the previous year to ¥2,259 million. - FY2024-Q2Decrease in net fees and commissions and narrowing of the deficit in other operating income (loss)Annual report
「Net fees and commissions decreased by ¥180 million year on year to ¥8,321 million, trading income decreased by ¥385 million to ¥94 million, and other operating income (loss) increased by ¥1,902 million to a loss of ¥823 million.」
Net fees and commissions decreased from the same period of the previous year, while the deficit in other operating income (loss) narrowed from ¥2,726 million to ¥823 million. - FY2024-Q1Other operating income (loss) turns positive while net fees and commissions remain flatAnnual report
「Net fees and commissions increased by ¥4 million year on year to ¥4,731 million, trading income decreased by ¥62 million to ¥38 million, and other operating income (loss) increased by ¥2,040 million to ¥852 million.」
Net fees and commissions were nearly flat from the same period of the previous year, while other operating income (loss) improved from a loss of ¥1,188 million in the same period of the previous year to ¥852 million, turning positive. - FY2023Increase in fee income alongside a shift to a deficit in other operating income (loss)Annual report
「Net fees and commissions increased by ¥2,396 million from the previous consolidated fiscal year to ¥16,628 million, trading income increased by ¥411 million to ¥742 million, and other operating income (loss) decreased by ¥14,594 million to a loss of ¥12,299 million.」
Net fees and commissions associated with diversifying revenue sources increased, while other operating income (loss) fell into deficit due to deterioration in gains and losses on Japanese government bonds and other securities. The trends in individual revenue items were not uniform. - FY2023-Q3Increase in net fees and commissions and shift to a deficit in other operating income (loss)Annual report
「Net fees and commissions increased by ¥1,475 million year on year to ¥11,848 million, trading income increased by ¥333 million to ¥576 million, and other operating income (loss) decreased by ¥11,785 million to a loss of ¥7,756 million.」
Net fees and commissions, associated with diversifying revenue sources, increased from ¥10,372 million in the same period of the previous year to ¥11,848 million. Meanwhile, other operating income (loss) turned from income of ¥4,029 million in the same period of the previous year to a loss of ¥7,756 million, mainly due to an increase in losses on the sale of Japanese government bonds and other securities. The trends in individual revenue items were not uniform. - FY2023-Q2AdvancedAnnual report
「Net fees and commissions increased by ¥1,104 million year on year to ¥8,501 million.」
Net fees and commissions related to revenue diversification increased from ¥7,396 million in the same period of the previous year to ¥8,501 million. Meanwhile, net other operating income was negative at ¥2,726 million, due in part to an increase in losses on sales of government bonds and other securities, so the movements in individual revenue items were mixed. - FY2023-Q1AdvancedAnnual report
「Net fees and commissions increased by ¥487 million year on year to ¥4,727 million.」
Net fees and commissions related to revenue diversification increased from ¥4,239 million in the same period of the previous year to ¥4,727 million. Meanwhile, net other operating income was negative at ¥1,188 million, due in part to an increase in losses on sales of government bonds and other securities. - FY2022-Q3AdvancedAnnual report
「Net fees and commissions increased by ¥1,698 million year on year to ¥10,372 million.」
Net fees and commissions related to revenue diversification increased from ¥8,673 million in the same period of the previous year to ¥10,372 million. Meanwhile, net other operating income decreased by ¥5,073 million year on year, so the movements in individual revenue items were mixed. - FY2022-Q2AdvancedAnnual report
「Net fees and commissions increased by ¥1,229 million year on year to ¥7,396 million.」
Net fees and commissions related to revenue diversification increased from ¥6,167 million in the same period of the previous year to ¥7,396 million. Meanwhile, net other operating income decreased by ¥3,151 million year on year, so the movements in individual revenue items were mixed. - FY2022-Q1AdvancedAnnual report
「Net fees and commissions increased by ¥688 million year on year to ¥4,239 million.」
Net fees and commissions related to revenue diversification increased by ¥688 million year on year to ¥4,239 million. - FY2021-Q3Continued year-on-year decline in net fees and commissionsAnnual report
「For the nine-month period ended 31 December, net interest income increased by ¥606 million year on year to ¥66,721 million, trust fees increased by ¥7 million to ¥33 million, net fees and commissions decreased by ¥556 million to ¥8,673 million, net trading income increased by ¥19 million to ¥369 million, and net other operating income increased by ¥18 million to ¥9,102 million.」
Net fees and commissions related to revenue diversification decreased by ¥556 million year on year to ¥8,673 million. While the decline from the same period of the previous year continued, net interest income, net trading income and net other operating income increased. - FY2021-Q2Continued year-on-year decline in net fees and commissionsAnnual report
「Net fees and commissions decreased by ¥631 million year on year to ¥6,167 million.」
Net fees and commissions related to revenue diversification decreased from ¥6,798 million in the same period of the previous year to ¥6,167 million, continuing the downward trend. - FY2021-Q1Continued year-on-year decline in net fees and commissionsAnnual report
「Net fees and commissions decreased by ¥518 million year on year to ¥3,550 million.」
Net fees and commissions related to revenue diversification decreased from ¥4,069 million in the same period of the previous year to ¥3,550 million. After improving at the end of the previous fiscal year, they turned downward. - FY2020Continued decline in net fees and commissionsAnnual report
「Net interest income decreased by ¥3,540 million from the previous consolidated fiscal year to ¥86,823 million. Trust fees were newly established from the current consolidated fiscal year following the commencement of trust services and amounted to ¥41 million. Net fees and commissions decreased by ¥856 million from the previous consolidated fiscal year to ¥12,672 million.」
Net fees and commissions related to revenue diversification decreased from ¥13,528 million in the previous fiscal year to ¥12,672 million. Meanwhile, trust fees were newly recorded. - FY2020-Q3Continued year-on-year decline in net fees and commissionsAnnual report
「Net fees and commissions decreased by ¥1,272 million year on year to ¥9,230 million.」
Net fees and commissions related to revenue diversification decreased year on year. Net interest income also decreased by ¥2,676 million, while net other operating income increased by ¥8,542 million, so the movements in individual revenue items were mixed. - FY2020-Q1Year-on-year decline in net fees and commissionsAnnual report
「Net fees and commissions decreased by ¥332 million year on year to ¥4,069 million.」
Net fees and commissions related to revenue diversification decreased from ¥4,401 million in the same period of the previous year to ¥4,069 million. - FY2019AdvancedAnnual report
「Net fees and commissions increased by ¥1,244 million from the previous consolidated fiscal year to ¥13,528 million.」
Net fees and commissions related to revenue diversification increased by ¥1,244 million year on year to ¥13,528 million. - FY2019-Q3AdvancedAnnual report
「Net fees and commissions increased by ¥1,373 million year on year to ¥10,502 million, while net trading income increased by ¥546 million to ¥578 million.」
Net fees and commissions related to revenue diversification increased from ¥9,129 million in the same period of the previous year to ¥10,502 million, continuing to improve from the declining trend through the previous quarter. Meanwhile, net other operating income decreased by ¥2,390 million year on year to ¥541 million. - FY2019-Q2AdvancedAnnual report
「For the six-month period ended 30 September, net interest income increased by ¥97 million year on year to ¥45,077 million, net fees and commissions increased by ¥1,536 million to ¥7,614 million, net trading income increased by ¥443 million to ¥456 million, and net other operating income decreased by ¥1,161 million to ¥1,986 million.」
Net fees and commissions related to revenue diversification increased by ¥1,536 million year on year to ¥7,614 million, improving from the declining trend through the previous fiscal year. Net other operating income decreased, so the movements in individual revenue sources were mixed. - FY2019-Q1AdvancedAnnual report
「For the three-month period ended 30 June, net interest income increased by ¥123 million year on year to ¥23,442 million, net fees and commissions increased by ¥1,463 million to ¥4,401 million, net trading income increased by ¥159 million to ¥155 million, and net other operating income decreased by ¥274 million to ¥824 million.」
Net fees and commissions related to revenue diversification increased by ¥1,463 million year on year to ¥4,401 million. - FY2018Profitability challenges emerge as negative interest rates persistAnnual report
「Net business income and net income fell short of their targets because net interest income did not reach the target following the introduction and prolonged application of the negative interest rate policy, which had not been anticipated when the targets were formulated.」
The previously identified challenge of responding to a low-interest-rate environment materialized as the failure to achieve the First Medium-Term Plan’s profit targets following the introduction and prolonged application of the negative interest rate policy. - FY2018-Q3Continued year-on-year decline in net fees and commissionsAnnual report
「Net fees and commissions decreased by ¥921 million year on year to ¥9,129 million.」
Net fees and commissions related to revenue diversification decreased from ¥10,050 million in the same period of the previous year to ¥9,129 million. - FY2018-Q2Year-on-year decline in net fees and commissionsAnnual report
「For the six-month period ended 30 September, net interest income increased by ¥855 million year on year to ¥44,979 million, net fees and commissions decreased by ¥860 million to ¥6,077 million, net trading income increased by ¥63 million to ¥12 million, and net other operating income decreased by ¥3,703 million to ¥3,147 million.」
Net fees and commissions, a revenue item related to revenue diversification, decreased by ¥860 million year on year to ¥6,077 million. No material changes were made to management policies, management strategies or other matters. - FY2017AdvancedAnnual report
「Under the Markets Division strategy, diversifying revenue sources is the most significant challenge for the asset management divisions of the two banks in a low-interest-rate environment. We will accumulate the expertise and asset management know-how needed for diversification by jointly holding meetings and other events, while improving the sophistication and efficiency of management through the integration of market-related systems.」
As measures to diversify revenue sources and integrate market-related systems continued, annual net fees and commissions were ¥13,476 million. - FY2017-Q3AdvancedAnnual report
「For the nine-month period ended 31 December, fees and commissions income in the domestic operations division was ¥16,285 million and fees and commissions expenses were ¥6,226 million, resulting in net fees and commissions of ¥10,058 million.」
Net fees and commissions in the domestic operations division, a revenue item related to revenue diversification, were ¥10,058 million. On a consolidated basis, net fees and commissions were also ¥10,050 million, up from ¥7,642 million in the same period of the previous year. - FY2016First statedAnnual report
「In a low-interest-rate environment, diversifying revenue sources is the most significant challenge for the asset management divisions of the two banks. We will accumulate the expertise and asset management know-how needed for diversification by jointly holding meetings and other events, while improving the sophistication and efficiency of management through the integration of market-related systems.」
Against the backdrop of low interest rates, joint accumulation of asset management know-how and integration of market-related systems were identified as measures.