Individual-focused core funding and maintenance of ample liquidity
First written in FY2017-Q1. 15 of 33 entries say "Advanced", first in FY2020-Q2. Latest entry: 2026-11-11.
The whole theme swung hardest in 2018: 1 of 7 companies on the "Worse" side.
0 other companies' latest entry also says "Reframed".
- FY2026RestatedAnnual report
「We seek to ensure and enhance funding stability by diversifying and broadening our funding methods.」
The company reaffirmed its policy of diversifying and broadening its funding methods, centered on deposits, negotiable certificates of deposit and corporate bonds. Total funding stood at ¥6.094475 trillion. - FY2026-H1RestatedAnnual report
「We seek to ensure and enhance funding stability by diversifying and broadening our funding methods.」
The company reaffirmed its policy of ensuring funding stability by diversifying and broadening its funding methods, centered on deposits, negotiable certificates of deposit and corporate bonds. - FY2025SoftenedAnnual report
「As of 31 March 2025, individual customer deposits stood at ¥3.2 trillion, or 90% of the previous period-end level, and accounted for approximately 57% of core funding, comprising deposits, negotiable certificates of deposit and corporate bonds.」
Individual customer deposits were 90% of the previous period-end level, indicating a decline in the scale of the individual-customer funding base, while they accounted for approximately 57% of core funding. - FY2025-H1RestatedAnnual report
「Grand total Six months ended September of the previous year 5,718,801 Six months ended September of the current year 5,722,064」
The combined total of deposits and negotiable certificates of deposit increased slightly from ¥5.7188 trillion in the same period of the previous year to ¥5.7221 trillion, maintaining the funding base. - FY2024-Q3AdvancedAnnual report
「Grand total Nine months ended December of the previous year 5,406,146 Nine months ended December of the current year 5,840,710」
The combined total of deposits and negotiable certificates of deposit increased from ¥5.4061 trillion in the same period of the previous year to ¥5.8407 trillion, expanding the funding base. - FY2024-Q2AdvancedAnnual report
「Total deposits Six months ended September of the previous year 5,269,160 Six months ended September of the current year 5,691,801 Grand total Six months ended September of the previous year 5,302,160 Six months ended September of the current year 5,718,801」
Total deposits increased by ¥422.6 billion year on year to ¥5.6918 trillion, while the combined total of deposits and negotiable certificates of deposit was ¥5.7188 trillion, expanding the stable funding base. - FY2024-Q1AdvancedAnnual report
「Total deposits Three months ended June of the previous year 5,133,216 Three months ended June of the current year 5,615,343 Grand total Three months ended June of the previous year 5,166,216 Three months ended June of the current year 5,676,168」
Total deposits increased by ¥503.4 billion year on year to ¥5.6153 trillion, while the combined total of deposits and negotiable certificates of deposit was ¥5.6762 trillion, expanding the funding base. - FY2023-Q3AdvancedAnnual report
「• Core funding, comprising deposits, negotiable certificates of deposit and corporate bonds, was ¥5.5238 trillion, an increase of ¥483.3 billion from the end of March 2022.」
Core funding increased by ¥483.3 billion to ¥5.5238 trillion, expanding the stable funding base. - FY2023-Q1AdvancedAnnual report
「• Core funding, comprising deposits, negotiable certificates of deposit and corporate bonds, was ¥5.3113 trillion, an increase of ¥270.7 billion from the end of the previous period.」
Core funding increased by ¥270.7 billion from the end of the previous period to ¥5.3113 trillion, indicating expansion of the stable funding base. - FY2022-Q3AdvancedAnnual report
「Core funding, comprising deposits, negotiable certificates of deposit and corporate bonds, was ¥4.7512 trillion, an increase of ¥540.4 billion from the end of March 2021. BANK branches continued to expand their individual-customer base steadily, reaching approximately 340,000 customers as of the end of December.」
Core funding increased to ¥4.7512 trillion, and the number of individual customers at BANK branches expanded to approximately 340,000. - FY2022-Q2AdvancedAnnual report
「Core funding, comprising deposits, negotiable certificates of deposit and corporate bonds, was ¥4.5370 trillion, an increase of ¥326.2 billion from the end of March 2021. - New account openings by individual customers at BANK branches continued to increase steadily, expanding the proportion of funding from individual customers.」
Core funding increased to ¥4.5370 trillion, and the proportion of funding from individual customers expanded as new account openings at BANK branches increased. - FY2022-Q1AdvancedAnnual report
「• Core funding, comprising deposits, negotiable certificates of deposit and corporate bonds, was ¥4.4392 trillion, an increase of ¥228.3 billion from the end of the previous period. - The individual-customer base expanded, centered on BANK branches.」
Core funding increased by ¥228.3 billion to ¥4.4392 trillion, and the individual-customer base expanded, centered on BANK branches. - FY2021AdvancedAnnual report
「Core funding, comprising deposits, negotiable certificates of deposit and corporate bonds, was ¥4.2108 trillion, an increase of ¥554.0 billion from the end of the previous period. The individual-customer base expanded, centered on BANK branches, and the number of new accounts opened continued to increase steadily. In March 2021, the company issued its first green bond, a ¥135 million US-dollar-denominated domestic unsecured corporate bond.」
Core funding increased, and the company issued its first green bond in addition to expanding its individual-customer funding base. - FY2021-Q3AdvancedAnnual report
「Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, was ¥3.9668 trillion, an increase of ¥309.9 billion from the end of March. The individual-customer base expanded, centered on BANK branches, and the number of new accounts opened continued to increase steadily. Funding from individual customers accounted for 60% of core funding.」
Core funding increased to ¥3.9668 trillion, and the proportion of funding from individual customers rose from 59% to 60% as the individual-customer base expanded, centered on BANK branches. - FY2021-Q2AdvancedAnnual report
「Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, was ¥3.8673 trillion, an increase of ¥210.5 billion from the end of March 2020. The individual-customer base expanded, centered on BANK branches, and the number of new accounts opened continued to increase steadily. Funding from individual customers accounted for 59% of core funding.」
Core funding increased by ¥210.5 billion, and the proportion of funding from individual customers rose to 59% as the individual-customer base expanded, centered on BANK branches. - FY2021-Q1AdvancedAnnual report
「Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, increased by ¥118.7 billion from the end of the previous period to ¥3.7755 trillion. The individual-customer base is expanding, centered on the new BANK money service, and funding from individual customers accounted for 58% of core funding. For foreign-currency funding, the company continues to diversify and extend the maturity of its funding sources. It has also taken measures including introducing a foreign-currency funding facility to strengthen the availability of foreign-currency funding during market turmoil and large-scale disasters.」
Core funding increased by ¥118.7 billion to ¥3.7755 trillion, and the proportion of funding from individual customers rose to 58%. In addition to expanding its customer base through BANK, the company introduced a foreign-currency funding facility to diversify and extend the maturity of its funding sources and strengthen funding availability in emergencies. - FY2020-Q3AdvancedAnnual report
「The company flexibly controls funding volumes in line with asset management needs. Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, increased by ¥137.2 billion, or 3.9%, from the end of March 2019 to ¥3.6519 trillion. Funding from individual customers accounted for 55% of core funding. In July of the previous year, the company began providing money services for individual customers to further expand its customer base in the retail business, and the number of new accounts is also increasing steadily. As of the end of the quarter, on-hand liquidity stood at ¥704.0 billion, and the company continues to maintain ample liquidity.」
Core funding increased to ¥3.6519 trillion, and funding from individual customers rose to 55%. The number of new accounts for individual-customer money services increased, while on-hand liquidity of ¥704.0 billion was maintained. - FY2020-Q2AdvancedAnnual report
「The company flexibly controls funding volumes in line with asset management needs. Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, increased by ¥10.3 billion, or 0.3%, from the end of March 2019 to ¥3.5250 trillion. Funding from individual customers accounted for 54% of core funding. For foreign-currency funding, the company continues to diversify and extend the maturity of its funding sources and issued its third US-dollar-denominated foreign bond as Aozora Bank in September. As of the end of the interim period, on-hand liquidity stood at ¥628.3 billion, and the company continues to maintain ample liquidity.」
Core funding increased to ¥3.5250 trillion, and funding from individual customers accounted for 54%. The company issued its third US-dollar-denominated foreign bond and maintained on-hand liquidity of ¥628.3 billion. - FY2020-Q1RestatedAnnual report
「Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, decreased by ¥9.1 billion, or 0.3%, from the end of the previous period to ¥3.5055 trillion. Funding from individual customers accounted for 54% of core funding. For foreign-currency funding, the company continues to diversify and extend the maturity of its funding sources, including through the issuance of US-dollar-denominated foreign bonds. As of the end of the quarter, on-hand liquidity stood at ¥630.2 billion, and the company continues to maintain ample liquidity.」
The company reported that funding from individual customers accounted for 54%, that it continues to diversify and extend the maturity of its foreign-currency funding, and that it maintained on-hand liquidity of ¥630.2 billion, reaffirming its stable funding policy. - FY2019RestatedAnnual report
「Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, increased by ¥286.1 billion, or 8.9%, from the end of the previous period to ¥3.5146 trillion. Funding from individual customers accounted for 53% of core funding. For foreign-currency funding, the company continues to diversify and extend the maturity of its funding sources, including through the issuance of US-dollar-denominated foreign bonds. As of the end of the fiscal year, on-hand liquidity stood at ¥667.8 billion, and the company continues to maintain ample liquidity.」
The company reaffirmed that funding from individual customers accounted for 53%, that it continues to diversify and extend the maturity of its foreign-currency funding, and that it maintained on-hand liquidity of ¥667.8 billion. - FY2019-Q3RestatedAnnual report
「The company flexibly controls funding volumes in line with asset management needs. Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, increased by ¥165.2 billion, or 5.1%, from the end of March 2018 to ¥3.3937 trillion. Funding from individual customers accounted for 53% of core funding. For foreign-currency funding, the company continues to diversify and extend the maturity of its funding sources, including through the issuance of US-dollar-denominated foreign bonds. As of the end of the quarter, on-hand liquidity stood at ¥599.0 billion, and the company continues to maintain ample liquidity.」
The company reported that funding from individual customers accounted for 53%, that it continues to diversify and extend the maturity of its foreign-currency funding, and that it maintained on-hand liquidity of ¥599.0 billion, reaffirming its stable funding policy. - FY2019-Q2SoftenedAnnual report
「Funding from individual customers accounted for 53% of core funding. For foreign-currency funding, the company continues to diversify and extend the maturity of its funding sources and issued its second US-dollar-denominated foreign bond in September. As of the end of the interim period, on-hand liquidity stood at ¥598.7 billion, and the company continues to maintain ample liquidity.」
The proportion of core funding from individual customers declined from 54% previously to 53%. At the same time, the company issued its second US-dollar-denominated foreign bond and continues to diversify and extend the maturity of its funding sources while maintaining ample liquidity. - FY2019-Q1SoftenedAnnual report
「Of this amount, funding from individual customers accounts for 54% of core funding. Although there are currently no issues with market availability for foreign-currency funding, we continue to diversify and extend the maturity of our funding sources. As of the end of the quarter, on-hand liquidity stood at ¥636.9 billion, and we continue to maintain ample liquidity.」
The proportion of core funding from individual customers declined from the previously reported 57% to 54%. At the same time, the company continues to diversify and extend the maturity of its funding sources and maintain ample liquidity. - FY2018-Q3SoftenedAnnual report
「The company flexibly controls funding volumes in line with asset management needs. Core funding, comprising deposits, negotiable certificates of deposit, bonds and corporate bonds, increased by ¥106.5 billion, or 3.4%, from the end of March 2017 to ¥3.2059 trillion. Funding from individual customers accounted for 57% of core funding. As of the end of the quarter, on-hand liquidity stood at ¥607.6 billion, and the company continues to maintain ample liquidity.」
The proportion of core funding from individual customers declined from the previously reported 58% to 57%. At the same time, the company reported an increase in total core funding and maintained on-hand liquidity of ¥607.6 billion. - FY2018-Q2RestatedAnnual report
「Funding from individual customers accounted for 58% of core funding. As of the end of the interim period, on-hand liquidity stood at ¥605.1 billion, and the company continues to maintain ample liquidity.」
The company reported that funding from individual customers accounted for 58% of core funding and that it continues to maintain stable funding and ample liquidity of ¥605.1 billion. - FY2018-Q1RestatedAnnual report
「Of this amount, funding from individual customers accounts for 58% of core funding. Although there are currently no issues with market availability for foreign-currency funding, we continue to diversify and extend the maturity of our funding sources. As of the end of the quarter, on-hand liquidity stood at ¥647.5 billion, and we continue to maintain ample liquidity.」
The company reported that funding from individual customers accounted for 58% of core funding, and that it continues to diversify and extend the maturity of its funding sources while maintaining ample liquidity of ¥647.5 billion. - FY2017-Q3SoftenedAnnual report
「The proportion of funding from individual customers within core funding remained at 57%. Although dollar funding costs have risen since last year, the rise in market rates itself has had no material impact, and fluctuations in the yen investment premium are being monitored. Market availability is currently adequate, and we will continue efforts to diversify and stabilize foreign-currency funding. Cash and cash equivalents at the end of the quarter were ¥636.3 billion, and ample liquidity continued to be maintained.」
The proportion of core funding from individual customers declined from above 60% previously to 57%, while the disclosure states that foreign-currency funding is being diversified and stabilized and that ample liquidity of ¥636.3 billion is being maintained. - FY2017-Q2RestatedAnnual report
「The proportion of funding from individual customers within core funding remained above 60%. Although dollar funding costs have risen since last year, market availability remains adequate. We will continue to diversify and stabilize our funding sources. Cash and cash equivalents at the end of the interim period were ¥630.4 billion, and ample liquidity continued to be maintained.」
The policy is to continue diversifying and stabilizing funding while maintaining individual customers' share of core funding above 60% and ample liquidity. - FY2017-Q1First statedAnnual report
「The proportion of funding from individual customers within core funding remained above 60%. Cash and cash equivalents at the end of the quarter were ¥603.2 billion, and ample liquidity continued to be maintained.」
The proportion of funding from retail customers was maintained above 60% of core funding, and ¥603.2 billion in cash and cash equivalents was secured.