Worth reading
67In focus
Scored from 5 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
3458
¥ million (year-on-year increase in consolidated ordinary profit)Wording
Conditional
How definitive the wording is.Contents of this document
Supplementary Materials to the Earnings ReportSecond quarter of the fiscal year ending March 20277 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income¥12,614 million+24.9%
Net income¥8,958 million+22.7%
Selling, general and administrative expenses¥6,722 million
Full-year earnings forecast
Consolidated ordinary income
¥19,700 million
Net income attributable to owners of the parent
¥14,000 million
Non-consolidated ordinary income
¥19,700 million
Non-consolidated net income
¥14,000 million
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
Net Interest Income1,484
Net fees and commissions100
Net other operating income-2,709
Of which, gains (losses) on government and other bonds-954
Expenses, excluding extraordinary items411
Extraordinary income (loss)4,906
Of which, gains (losses) on stocks and other securities3,835
New initiatives
- Expansion of systems investment to replace the core banking system
- Promoting support for asset building, including through the new NISA
Key KPIsA metric the company considers important as a management benchmark.
- Business loans outstanding¥7,168 100 millionYear on year against the same period last year+¥11.0 billion
- Loans outstanding¥10,665 100 millionYear on year against the same period last year+¥6.8 billion
- Deposits outstanding¥14,272 100 millionYear on year against the same period last year-¥2.6 billion
- Individuals’ assets under custody¥1,457 100 millionYear on year against the same period last year+¥9.1 billion
- Disclosed claims ratio2.28 %Year on year against the same period last year-0.04 percentage points
- Consolidated equity ratio12.41 %
- Equity ratio (standalone)12.12 %
Financial targets
Target capital adequacy ratio10%
Annual Dividend
Annual dividend per share82 Yen
Interim Dividend41 Yen
Year-end dividend41 Yen
Payout ratio
35% or moreAcquisition of treasury shares
Policy to acquire shares flexibly and opportunistically. Acquisition limit, number of shares, and period: Not disclosed| Item | Details |
|---|---|
| Document type | Supplementary Materials to the Earnings Report |
| Fiscal Period Covered | Second quarter of the fiscal year ending March 2027 |
| Ordinary income | ¥12,614 million (YoY +24.9%) |
| Net income | ¥8,958 million (YoY +22.7%) |
| Selling, general and administrative expenses | ¥6,722 million |
| Full-year earnings forecast | Consolidated ordinary income ¥19,700 million / Net income attributable to owners of the parent ¥14,000 million / Non-consolidated ordinary income ¥19,700 million / Non-consolidated net income ¥14,000 million |
| Breakdown of Factors Affecting the Change | Net Interest Income 1,484 / Net fees and commissions 100 / Net other operating income -2,709 / Of which, gains (losses) on government and other bonds -954 / Expenses, excluding extraordinary items 411 / Extraordinary income (loss) 4,906 / Of which, gains (losses) on stocks and other securities 3,835 |
| Key KPIs | Indicator name Business loans outstanding / Value ¥7,168 100 million / Year on year against the same period last year +¥11.0 billion, Indicator name Loans outstanding / Value ¥10,665 100 million / Year on year against the same period last year +¥6.8 billion, Indicator name Deposits outstanding / Value ¥14,272 100 million / Year on year against the same period last year -¥2.6 billion, Indicator name Individuals’ assets under custody / Value ¥1,457 100 million / Year on year against the same period last year +¥9.1 billion, Indicator name Disclosed claims ratio / Value 2.28 % / Year on year against the same period last year -0.04 percentage points, Indicator name Consolidated equity ratio / Value 12.41 % / Year on year against the same period last year Not disclosed, Indicator name Equity ratio (standalone) / Value 12.12 % / Year on year against the same period last year Not disclosed |
| Financial targets | Target capital adequacy ratio 10% |
| Annual Dividend | Annual dividend per share 82 Yen / Interim Dividend 41 Yen / Year-end dividend 41 Yen |
| Payout ratio | 35% or more |
| Acquisition of treasury shares | Policy to acquire shares flexibly and opportunistically. Acquisition limit, number of shares, and period: Not disclosed |
| New initiatives | Expansion of systems investment to replace the core banking system, Promoting support for asset building, including through the new NISA |
Items this document does not state (18)
Net SalesOperating profitGross Profit MarginOperating profit marginResults for the three months of the current quarterProgress against full-year forecastSelf-assessment against the planSegment resultsUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsCapital 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.Ordinary profit increased because a portion of the substantial unrealised gains on stocks was recognised as realised gains. The decline in core business net profit was attributed to the planned sale of low-yield loan receivables accumulated in the past, in preparation for future interest rate increases. The upward revision to the full-year forecast reflects the upside in interim net income, expected growth in net interest income in the second half, and the increased systems investment planned to replace the core banking system.
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.