Results for this period
Interim period (second quarter)1 April 2026 to 30 September 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.
Higher interest income on loans, driven by improved interest-rate conditions and growth in the outstanding balance of loans, along with higher other ordinary income, including gains on the sale of shares and other securities resulting from the reduction of cross-shareholdings, pushed up ordinary income. Ordinary expenses also increased, however, due to higher interest expense on deposits and higher personnel expenses resulting from base-pay increases and the introduction of performance-linked bonuses.
Not applicable.
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Ordinary income | ¥108,624 million (YoY +36.5%) |
| Profit attributable to owners of the parent | ¥74,982 million (YoY +36.2%) |
| Net income per share | ¥67.53 |
| Equity ratio | End of the current fiscal period 5.9% / End of previous period 5.4% |
| Total assets | ¥24,881,620 million |
| Net assets | ¥1,483,773 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥206,000 million (YoY +32.8%) / Net income ¥145,000 million (YoY +36.1%) |
| Revision to Earnings Forecast | Ordinary income ¥1,915 100 million → ¥2,060 100 million（+7.6%） / Profit attributable to owners of the parent ¥1,290 100 million → ¥1,450 100 million（+12.4%） / Net Sales Not disclosed / Operating profit Not disclosed |
| Annual Dividend Forecast | ¥38 → ¥58（+52.6%） |
| Payout ratio | Approximately 44% |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥1 million, Reversal of financial instruments transaction liability reserve ¥1 million, Equity-change gain ¥103 million / Extraordinary loss Loss on disposal of fixed assets ¥443 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| 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 | None (no additions or exclusions) |
| Material subsequent events | On 1 October 2026, the company acquired 1,774,942 shares of SMTBリース株式会社 and classified it as an equity-method affiliate. The acquisition price was ¥20,040 million, and the ownership interest after the acquisition was 15.00%. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 1,144,616,065 |
| Treasury Shares at Period-End | 40,848,172 |
| Factors Behind Changes in Business Performance | Higher interest income on loans, driven by improved interest-rate conditions and growth in the outstanding balance of loans, along with higher other ordinary income, including gains on the sale of shares and other securities resulting from the reduction of cross-shareholdings, pushed up ordinary income. Ordinary expenses also increased, however, due to higher interest expense on deposits and higher personnel expenses resulting from base-pay increases and the introduction of performance-linked bonuses. |
Items this document does not state (14)
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.Interest income on loans increased due to improved interest-rate conditions and growth in the outstanding balance of loans. Other ordinary income, including gains on the sale of shares and other securities, also increased, partly due to the reduction of cross-shareholdings. In addition to increasing the ordinary dividend based on the upward revision to the full-year earnings forecast, the company will pay a 10th-anniversary commemorative dividend.