Worth reading
77Important
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
Direction inferred from the company’s description.Scale
108
億円（ビジネス利益の前年同期比減少額）Wording
Conditional
How definitive the wording is.Contents of this document
Presentation materials on financial results2024年度 中間期8 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Operating profit123 億円-21.1%連結実質業務純益
Ordinary income99 Hundred millions of yen-30.5%
Net income119 億円-1.1%親会社株主純利益
Selling, general and administrative expenses303 Hundred millions of yen
Results for the three months of the current quarter1Q・2Q単独の連結粗利益、連結実質業務純益、経常利益、親会社株主純利益などを掲載。2Qは連結粗利益207億円、連結実質業務純益58億円、経常利益41億円、親会社株主純利益43億円。
Full-year earnings forecast
Consolidated gross operating profit
840 Hundred millions of yen
Consolidated core net business profit
240 Hundred millions of yen
Ordinary income
240 Hundred millions of yen
Net income attributable to owners of the parent
180 Hundred millions of yen
ビジネス利益
247 Hundred millions of yen
Progress against full-year forecast 通期の予想に対して、いまどこまで進んだかの割合です。
Consolidated gross operating profit49.3%
Consolidated core net business profit51.3%
Net income attributable to owners of the parent66.2%
セグメント別ビジネス利益法人営業G 55%、ストラクチャードファイナンスG 48%、インターナショナルビジネスG 52%、金融法人・地域法人営業G 50%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
顧客関連ビジネスは年度計画対比概ねラップ通り。ストラクチャードファイナンスGは計画対比ほぼラップ通り、インターナショナルビジネスGは計画対比で堅調。Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
- 業務純益（国債等債券損益・投信解約益を除く）48 Hundred millions of yen
- 国債等債券損益・投信解約益-81 Hundred millions of yen
- 株式等関係損益-75 Hundred millions of yen
- Credit-related expenses63 Hundred millions of yen
- 子会社清算関連23 Hundred millions of yen
- その他（税金費用等）19 Hundred millions of yen
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
- 為替レート（US$/円）151.46円（2024年3月末）、161.12円（2024年6月末）、142.82円（2024年9月末）
New initiatives
- 大和証券グループとの資本業務提携について、2027年度の業務純益目標を100億円上積み
- 両社間の人材相互派遣を開始
- 法人ビジネス・個人ビジネスで協業案件を推進
Key KPIsA metric the company considers important as a management benchmark.
- 法人口座数（GMOあおぞらネット銀行）15万件超
- 市場VaR全体76 Hundred millions of yen
- ROE5.7 %Year on year against the same period last year+0.1 percentage points year on year
- Disclosed claims ratio2.81 %
- NIM（資金粗利鞘）1.18 %Year on year against the same period last year+0.13ポイント
Segment results
法人営業G
ビジネス利益
36 Hundred millions of yen
Year on year against the same period last year0.0%
ストラクチャードファイナンスG
ビジネス利益
105 Hundred millions of yen
Year on year against the same period last year-36.5%
インターナショナルビジネスG
ビジネス利益
60 Hundred millions of yen
Year on year against the same period last year-14.3%
マーケットG
ビジネス利益
-10 Hundred millions of yen
カスタマーリレーションG
ビジネス利益
-6 Hundred millions of yen
金融法人・地域法人営業G
ビジネス利益
4 Hundred millions of yen
Year on year against the same period last year-20.0%
個人営業G
ビジネス利益
-10 Hundred millions of yen
GMOあおぞらネット銀行
ビジネス利益
-9 Hundred millions of yen
Other
ビジネス利益
-34 Hundred millions of yen
Financial targets
ROE計画4.6%、中間期実績5.7%Annual Dividend
Annual Dividend Forecast¥76 per share
Interim Dividend¥19 per share
| Item | Details |
|---|---|
| Document type | Presentation materials on financial results |
| Fiscal Period Covered | 2024年度 中間期 |
| Operating profit | 123 億円（連結実質業務純益） (YoY -21.1%) |
| Ordinary income | 99 Hundred millions of yen (YoY -30.5%) |
| Net income | 119 億円（親会社株主純利益） (YoY -1.1%) |
| Selling, general and administrative expenses | 303 Hundred millions of yen |
| Results for the three months of the current quarter | 1Q・2Q単独の連結粗利益、連結実質業務純益、経常利益、親会社株主純利益などを掲載。2Qは連結粗利益207億円、連結実質業務純益58億円、経常利益41億円、親会社株主純利益43億円。 |
| Full-year earnings forecast | Consolidated gross operating profit 840 Hundred millions of yen / Consolidated core net business profit 240 Hundred millions of yen / Ordinary income 240 Hundred millions of yen / Net income attributable to owners of the parent 180 Hundred millions of yen / ビジネス利益 247 Hundred millions of yen |
| Progress against full-year forecast | Consolidated gross operating profit 49.3% / Consolidated core net business profit 51.3% / Net income attributable to owners of the parent 66.2% / セグメント別ビジネス利益 法人営業G 55%、ストラクチャードファイナンスG 48%、インターナショナルビジネスG 52%、金融法人・地域法人営業G 50% |
| Self-assessment against the plan | 顧客関連ビジネスは年度計画対比概ねラップ通り。ストラクチャードファイナンスGは計画対比ほぼラップ通り、インターナショナルビジネスGは計画対比で堅調。 |
| Segment results | 法人営業G ビジネス利益 36 Hundred millions of yen / yoy_pct 0 / ストラクチャードファイナンスG ビジネス利益 105 Hundred millions of yen / yoy_pct -36.5 / インターナショナルビジネスG ビジネス利益 60 Hundred millions of yen / yoy_pct -14.3 / マーケットG ビジネス利益 -10 Hundred millions of yen / yoy_pct Not disclosed / カスタマーリレーションG ビジネス利益 -6 Hundred millions of yen / yoy_pct Not disclosed / 金融法人・地域法人営業G ビジネス利益 4 Hundred millions of yen / yoy_pct -20 / 個人営業G ビジネス利益 -10 Hundred millions of yen / yoy_pct Not disclosed / GMOあおぞらネット銀行 ビジネス利益 -9 Hundred millions of yen / yoy_pct Not disclosed / Other ビジネス利益 -34 Hundred millions of yen / yoy_pct Not disclosed |
| Breakdown of Factors Affecting the Change | Factors 業務純益（国債等債券損益・投信解約益を除く） / Amount 48 Hundred millions of yen, Factors 国債等債券損益・投信解約益 / Amount -81 Hundred millions of yen, Factors 株式等関係損益 / Amount -75 Hundred millions of yen, Factors Credit-related expenses / Amount 63 Hundred millions of yen, Factors 子会社清算関連 / Amount 23 Hundred millions of yen, Factors その他（税金費用等） / Amount 19 Hundred millions of yen |
| Key KPIs | Indicator name 法人口座数（GMOあおぞらネット銀行） / Value 15万件超 / Year on year against the same period last year Not disclosed, Indicator name 市場VaR全体 / Value 76 Hundred millions of yen / Year on year against the same period last year Not disclosed, Indicator name ROE / Value 5.7 % / Year on year against the same period last year +0.1 percentage points year on year, Indicator name Disclosed claims ratio / Value 2.81 % / Year on year against the same period last year Not disclosed, Indicator name NIM（資金粗利鞘） / Value 1.18 % / Year on year against the same period last year +0.13ポイント |
| Assumptions Underlying the Business Outlook | Item 為替レート（US$/円） / Value 151.46円（2024年3月末）、161.12円（2024年6月末）、142.82円（2024年9月末） |
| Financial targets | ROE計画4.6%、中間期実績5.7% |
| Annual Dividend | Annual Dividend Forecast ¥76 per share / Interim Dividend ¥19 per share / Year-end dividend Not disclosed |
| New initiatives | 大和証券グループとの資本業務提携について、2027年度の業務純益目標を100億円上積み, 両社間の人材相互派遣を開始, 法人ビジネス・個人ビジネスで協業案件を推進 |
Items this document does not state (14)
Net SalesGross Profit MarginOperating profit marginUnit price and quantity metricsNumber of stores and locationsNumber of employeesRisk amount incorporated into the outlookMedium-term management plan targetsPayout ratioAcquisition of treasury sharesCapital 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.ビジネス利益の減少は、前年同期に計上した投資信託解約益、国内REIT売却益、純投資株式の売却益などの剥落が主因。親会社株主純利益については、資金利益の増加、GMOあおぞらネット銀行・リテール業務の改善、与信関連費用の減少が押し上げ要因となった。
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.