Securing Stable Earnings over the Medium Term
First written in FY2016. 8 of 22 entries say "Worsened", first in FY2023-Q1. Latest entry: 2026-08-07.
Japan Post Bank moved to the "Worse" side of this theme in 2022, 1 year before the typical company in this theme (2023).
23 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「Net income attributable to owners of the parent increased by ¥111.2 billion from the previous consolidated fiscal year to ¥525.5 billion. The achievement rate against the full-year forecast of ¥500 billion for net income attributable to owners of the parent was 105.1%.」
Although the environment surrounding the securing of stable earnings remains volatile, net income attributable to owners of the parent was ¥525.5 billion, exceeding the full-year forecast. - FY2026-H1AdvancedAnnual report
「Regarding the group's operating environment, domestic long-term interest rates have been trending higher following the Bank of Japan's shift in monetary policy. If this upward trend continues, earnings are expected to improve through higher yields on new investments in Japanese government bonds and other assets. In addition, overseas short-term interest rates have declined against a backdrop of shifts in monetary policy by US and European central banks following the easing of inflation, and the trend toward lower foreign-currency funding costs is continuing.」
Higher yields on new investments due to rising domestic interest rates and lower foreign-currency funding costs due to falling overseas short-term interest rates were indicated as factors improving the environment for securing stable earnings. - FY2025AdvancedAnnual report
「Consolidated gross profit for the current fiscal year increased by ¥311.9 billion from the previous fiscal year to ¥1.0456 trillion.」
Although the environment surrounding the securing of stable earnings remains volatile, consolidated gross profit increased by ¥311.9 billion from the previous year, representing an improvement in earnings. - FY2025-H1AdvancedAnnual report
「Consolidated gross profit for the current interim consolidated accounting period increased by ¥150.6 billion year on year to ¥528.4 billion.」
Although the environment surrounding the securing of stable earnings remains challenging, consolidated gross profit increased by ¥150.6 billion year on year. The progress rate for ordinary profit against the full-year earnings forecast was also 55.8%. - FY2024WorsenedAnnual report
「Consolidated gross profit for the current fiscal year decreased by ¥322.6 billion from the previous fiscal year to ¥733.6 billion.」
Regarding the conditions surrounding the securing of stable earnings, consolidated gross profit declined substantially. - FY2024-Q3WorsenedAnnual report
「Consolidated gross profit for the first 3 quarters of the current fiscal year decreased by ¥312.3 billion year on year to ¥560.9 billion.」
Regarding the conditions surrounding the securing of stable earnings, consolidated gross profit decreased by ¥312.3 billion year on year. The challenging earnings environment caused by higher foreign-currency funding costs and other factors continues to be reflected in actual results. - FY2024-Q2WorsenedAnnual report
「Of the group's operating environment, overseas financial and economic conditions remain challenging. Continued substantial monetary tightening by US and European central banks in response to accelerating inflation is expected to keep foreign-currency funding costs elevated, while overseas credit spreads may widen against a backdrop of deteriorating corporate performance and concerns about an economic slowdown.」
Regarding the conditions surrounding the securing of stable earnings, the potential for elevated foreign-currency funding costs and wider overseas credit spreads was indicated, reaffirming the continuation of a challenging operating environment. - FY2024-Q1WorsenedAnnual report
「Consolidated gross profit for the first quarter of the current fiscal year decreased by ¥139.3 billion year on year to ¥189.3 billion.」
Regarding the securing of stable earnings, consolidated gross profit decreased by ¥139.3 billion year on year, demonstrating the challenging earnings environment in actual results. - FY2023WorsenedAnnual report
「Regarding the group's operating environment, foreign-currency funding costs and overseas credit spreads are expected to remain elevated against a backdrop of substantial monetary tightening by US and European central banks in response to accelerating inflation, concerns about an economic slowdown and growing concerns about the US and European financial systems.」
Regarding the conditions surrounding the securing of stable earnings, it states that foreign-currency funding costs and overseas credit spreads are expected to remain elevated, while domestic interest-rate volatility is expected to increase. - FY2023-Q3WorsenedAnnual report
「Against a backdrop of the prolonged situation in Ukraine, substantial monetary tightening by US and European central banks in response to accelerating inflation, and resulting concerns about an economic slowdown, the trend of higher foreign-currency funding costs associated with rising overseas short-term interest rates and wider overseas credit spreads is continuing. Following the Bank of Japan's review of its YCC operations, domestic interest-rate volatility and uncertainty about the outlook have also increased, although the low-interest-rate environment continues. Uncertainty is expected to remain high in the future financial and economic environment.」
It explains that higher foreign-currency funding costs associated with rising overseas short-term interest rates and wider overseas credit spreads have continued, while domestic interest-rate volatility and uncertainty about the outlook increased following the review of YCC operations. The challenging conditions surrounding the securing of stable earnings have become even more evident. - FY2023-Q2WorsenedAnnual report
「In addition, the domestic low-interest-rate environment is continuing, and the group's operating environment remains challenging because its primary source of earnings is investment in domestic and overseas securities.」
In addition to continued low domestic interest rates, higher overseas interest rates, increased foreign-currency funding costs and wider overseas credit spreads have combined to sustain challenging conditions for securing stable earnings. - FY2023-Q1WorsenedAnnual report
「In addition, against a backdrop of the prolonged situation in Ukraine, monetary tightening by major central banks in response to mounting inflationary pressures, and growing concerns about an economic slowdown, foreign-currency funding costs have risen with higher overseas short-term interest rates and overseas credit spreads have widened. Uncertainty is also expected to remain high in the future financial and economic environment. In addition, the domestic low-interest-rate environment is becoming prolonged, and the group's operating environment remains challenging because its primary source of earnings is investment in domestic and overseas securities.」
Regarding the conditions underlying the goal of securing stable earnings, it states that the challenging operating environment is continuing, with the prolonged domestic low-interest-rate environment compounded by higher foreign-currency funding costs, wider overseas credit spreads and concerns about an economic slowdown. - FY2019RestatedAnnual report
「Under a framework that divides management into 7 portfolios according to the risk characteristics of each product, we are appropriately implementing ALM (Asset Liability Management), which provides comprehensive internal management of assets and liabilities, and working to secure stable earnings over the medium term.」
The company has reaffirmed its objective of securing stable earnings over the medium term through ALM based on 7 portfolios. - FY2018-Q2RestatedAnnual report
「The BP is the overall group's base portfolio, designed to secure stable earnings through investments in Japanese government bonds and other assets while managing interest-rate and liquidity risks.」
The policy of securing stable earnings through the base portfolio has been reaffirmed in the explanation of ALM. - FY2017RestatedAnnual report
「We are working to secure stable earnings over the medium term.」
The company has reiterated its objective of securing stable earnings over the medium term through ALM, the base portfolio and the satellite portfolio. - FY2016First statedAnnual report
「We are working to secure stable earnings over the medium term.」
The company is targeting earnings stabilization through ALM, the base portfolio and the satellite portfolio.