Building a resilient earnings base, increasing revenue and reducing costs
First written in FY2017. 13 of 20 entries say "Advanced", first in FY2019. Latest entry: 2026-11-10.
The whole theme swung hardest in 2023: 2 of 12 companies on the "Worse" side.
6 other companies' latest entry also says "Advanced".
- 2026-11-10AdvancedResults
「前年同期比増収増益となりました。」
2027年3月期中間期は、連結経常利益が前年同期比116億45百万円増加して425億55百万円、親会社株主に帰属する中間純利益が87億16百万円増加して299億55百万円となった。 - FY2026AdvancedAnnual report
「Although the current consolidated fiscal year was the final year of the previous medium-term management plan, “Hishō 2026: Connecting Hearts, Connecting the Future,” all major KPIs, including profit targets, were achieved. Profit also exceeded the ¥37.0 billion earnings forecast announced at the beginning of the fiscal year, resulting in an effective record-high profit.」
Net profit attributable to owners of the parent was ¥40.116 billion, driven by higher net interest income against a backdrop of rising domestic interest rates, while the consolidated core OHR was 54.9%. - 2026-05-12AdvancedRevision to earnings forecast
「経常利益は、前年度比132億46百万円増加し、587億84百万円となりました。また、親会社株主に帰属する当期純利益は、前年度比91億34百万円増加し、401億16百万円となりました。」
2026年3月期は経常利益・親会社株主に帰属する当期純利益が前年度を上回り、収益力の改善が通期実績として更新された。 - FY2026-H1AdvancedAnnual report
「For the six months ended in the current interim consolidated accounting period, ordinary income increased by ¥15.381 billion from the previous interim consolidated accounting period to ¥110.236 billion, mainly due to higher interest and dividend income. Ordinary expenses increased by ¥8.071 billion to ¥79.327 billion, mainly due to higher interest expense. As a result, ordinary profit increased by ¥7.310 billion to ¥30.909 billion, while interim net profit attributable to owners of the parent increased by ¥4.818 billion to ¥21.239 billion.」
In the first half of fiscal 2025, ordinary income increased mainly due to higher interest and dividend income, while ordinary expenses also increased due to higher interest expense and other factors. Ordinary profit increased by ¥7.310 billion year on year, and interim net profit attributable to owners of the parent increased by ¥4.818 billion. - FY2025AdvancedAnnual report
「Ordinary profit increased by ¥9.927 billion from the previous consolidated fiscal year to ¥45.537 billion. Net profit attributable to owners of the parent also increased by ¥7.405 billion to ¥30.982 billion.」
In fiscal 2024, ordinary profit was ¥45.537 billion and net profit attributable to owners of the parent was ¥30.982 billion, both up from the previous fiscal year. The consolidated core OHR also decreased from 66.5% to 63.5%. - FY2025-H1AdvancedAnnual report
「Ordinary income for the six months ended in the current interim consolidated accounting period in the banking segment, comprising 株式会社西日本シティ銀行 and 株式会社長崎銀行, increased by ¥3.510 billion from the previous interim consolidated accounting period to ¥83.508 billion. Segment profit increased by ¥1.809 billion to ¥20.331 billion.」
Banking segment ordinary income and segment profit both exceeded the previous year’s levels. Meanwhile, Other segment profit decreased by ¥609 million, but consolidated ordinary profit increased by ¥1.305 billion year on year to ¥23.599 billion. - FY2024-Q3Banking segment profit increased, while Other segment profit declinedAnnual report
「Ordinary income in the banking segment increased by ¥19.224 billion from the first nine months of the previous consolidated fiscal year to ¥121.887 billion. Segment profit increased by ¥2.841 billion to ¥23.404 billion. Ordinary income in the Other segment decreased by ¥1.787 billion to ¥30.732 billion, while segment profit decreased by ¥6.735 billion to ¥13.983 billion.」
Consolidated ordinary profit decreased by ¥3.505 billion year on year, while banking segment profit increased by ¥2.841 billion. In contrast, Other segment profit decreased by ¥6.735 billion, partly reflecting the reversal of gains related to negative goodwill recorded in the previous fiscal year, with performance trends diverging between the segments. - FY2024-Q2AdvancedAnnual report
「As a result, ordinary profit increased by ¥3.261 billion from the six months ended in the second quarter of the previous year to ¥22.293 billion. Interim net profit attributable to owners of the parent increased by ¥1.907 billion to ¥15.407 billion.」
In the first half of fiscal 2023, consolidated ordinary profit and interim net profit attributable to owners of the parent exceeded the previous year’s levels. Banking segment profit also increased by ¥2.411 billion to ¥18.522 billion, while Other segment profit increased by ¥1.279 billion to ¥8.306 billion, marking a change from the previous pattern of declining banking segment profit. - FY2024-Q1Consolidated profit increased, but banking segment profit declinedAnnual report
「Ordinary income increased by ¥8.360 billion year on year to ¥45.290 billion, mainly due to higher interest and dividend income, other operating income and other ordinary income. Ordinary expenses increased by ¥7.844 billion to ¥32.624 billion, mainly due to higher interest expense. As a result, ordinary profit increased by ¥515 million to ¥12.666 billion, while quarterly net profit attributable to owners of the parent increased by ¥282 million to ¥8.565 billion.」
On a consolidated basis, ordinary income, ordinary profit and quarterly net profit attributable to owners of the parent exceeded the same period of the previous year. Meanwhile, banking segment profit decreased by ¥90 million year on year, while Other segment profit increased by ¥1.045 billion. - FY2023Consolidated net profit increased, while banking segment profit declinedAnnual report
「Ordinary income in the banking segment increased by ¥9.767 billion from the previous consolidated fiscal year to ¥136.693 billion. Segment profit decreased by ¥11.594 billion to ¥20.773 billion. Ordinary income in the Other segment increased by ¥14.649 billion to ¥39.414 billion, while segment profit increased by ¥9.875 billion to ¥21.557 billion.」
Although consolidated net profit attributable to owners of the parent increased, banking segment profit declined while Other segment profit increased. - FY2023-Q3Overall profit increased, but banking segment profit declinedAnnual report
「As a result, ordinary profit increased by ¥1.950 billion year on year to ¥32.621 billion, while quarterly net profit attributable to owners of the parent increased by ¥5.783 billion to ¥25.823 billion.」
On a consolidated basis, ordinary profit and quarterly net profit attributable to owners of the parent increased, although ordinary expenses also rose, while banking segment profit decreased by ¥5.440 billion year on year. The overall increase in profit included an amount equivalent to negative goodwill related to the conversion of KYUSHU LEASING SERVICE CO.,LTD. into an equity-method affiliate, as well as a gain on the recognition of negative goodwill related to the conversion of シティアスコム into a consolidated subsidiary. - FY2023-Q1WorsenedAnnual report
「Ordinary income increased by ¥371 million year on year to ¥36.930 billion, mainly due to higher interest and dividend income. Ordinary expenses increased by ¥2.441 billion to ¥24.779 billion, mainly due to higher interest expense and other operating expenses. As a result, ordinary profit decreased by ¥2.069 billion to ¥12.150 billion, while quarterly net profit attributable to owners of the parent decreased by ¥1.395 billion to ¥8.283 billion.」
Although ordinary income increased due to higher interest and dividend income, ordinary expenses also increased due to higher interest expense, other operating expenses and other factors, resulting in lower ordinary profit and quarterly net profit attributable to owners of the parent than in the same period of the previous year. - FY2022AdvancedAnnual report
「The consolidated OHR fell 3.5 percentage points from the previous consolidated fiscal year to 64.2%, mainly because expenses declined as a result of operational innovation and other factors.」
Expenses decreased by ¥527 million year on year through operational innovation and other measures, and the consolidated OHR improved from 67.7% to 64.2%. Ordinary profit also increased from ¥26.763 billion to ¥37.868 billion. - FY2022-Q3AdvancedAnnual report
「Ordinary income increased by ¥3.423 billion year on year to ¥105.168 billion, mainly due to higher interest and dividend income and net fees and commissions. Ordinary expenses decreased by ¥1.605 billion to ¥74.497 billion, mainly due to lower operating expenses and interest expense. As a result, ordinary profit increased by ¥5.029 billion to ¥30.670 billion, while quarterly net profit attributable to owners of the parent increased by ¥2.667 billion to ¥20.040 billion.」
Higher interest and dividend income and net fees and commissions, together with lower operating expenses and interest expense, resulted in ordinary income of ¥105.168 billion and ordinary expenses of ¥74.497 billion, while ordinary profit increased by ¥5.029 billion year on year. - FY2022-Q2AdvancedAnnual report
「For the six months ended in the second quarter, ordinary income increased by ¥3.583 billion year on year to ¥70.040 billion, mainly due to higher net fees and commissions. Ordinary expenses decreased by ¥5.761 billion to ¥46.906 billion, mainly due to lower other ordinary expenses. As a result, ordinary profit increased by ¥9.345 billion to ¥23.133 billion.」
Higher net fees and commissions and lower other ordinary expenses and other factors resulted in higher ordinary income and lower ordinary expenses, causing ordinary profit to increase by ¥9.345 billion year on year. - FY2022-Q1AdvancedAnnual report
「Ordinary income increased by ¥2.637 billion year on year to ¥36.558 billion, mainly due to higher net fees and commissions. Ordinary expenses decreased by ¥3.879 billion to ¥22.337 billion, mainly due to lower credit costs. As a result, ordinary profit increased by ¥6.517 billion to ¥14.220 billion, while quarterly net profit attributable to owners of the parent increased by ¥4.297 billion to ¥9.678 billion.」
Due to higher net fees and commissions and lower credit costs, ordinary income, ordinary profit and quarterly net profit attributable to owners of the parent increased from the same quarter of fiscal 2021, while ordinary expenses decreased. - FY2021AdvancedAnnual report
「The consolidated OHR fell 2.1 percentage points from the previous consolidated fiscal year to 67.7%, mainly because expenses declined as a result of operational innovation and other factors.」
Expenses decreased by ¥1.875 billion year on year through operational innovation and other measures, and the consolidated OHR improved from 69.8% to 67.7%. - FY2020RaisedAnnual report
「Given expectations that the challenging earnings environment will persist, we will accelerate operational efficiency initiatives, reallocate resources to priority areas and proactively pursue measures including greater strategic investment with a view to the future.」
The policy has expanded from maintaining revenue and cost awareness and continuing operational innovation to pursuing accelerated operational efficiency, resource reallocation to priority areas and strategic investment as an integrated set of initiatives. - FY2019AdvancedAnnual report
「We worked to improve the lending-deposit spread by focusing on loan pricing to within 1 basis point and keeping deposit rates under control. We also made concerted efforts on various fronts, including reducing expenses through the fading of depreciation charges for core banking systems and the promotion of operational innovation.」
Through loan pricing, control of deposit rates, the fading of system depreciation charges and operational innovation, expenses decreased by ¥2.468 billion year on year, while core operating profit increased by ¥1.871 billion. - FY2017First statedAnnual report
「In addition to further raising all employees’ awareness of revenue and costs, we will expand the group-wide customer base and deepen primary banking relationships, building a structure capable of sustaining growth over the long term.」
Revenue and cost awareness, expansion of the customer base, development of primary banking relationships, and synergies through group collaboration are identified as the means to achieve this.