Maintaining efficiency through cost control
First written in FY2017-Q2. 11 of 29 entries say "Advanced", first in FY2017-Q3. Latest entry: 2026-07-31.
The whole theme swung hardest in 2020: 2 of 10 companies on the "Worse" side.
5 other companies' latest entry also says "Other".
- 2026-07-31OtherFinancial results presentation
「経費は、GMOあおぞらネット銀行の業容拡大に伴い前年同期比微増、予算（710億円）に対し23％の進捗」
経費は前年同期比で微増し、通期予算に対する進捗を示した。 - FY2026Year-on-year increase in operating expensesAnnual report
「Operating expenses increased from ¥62.384 billion in the previous fiscal year to ¥65.999 billion」
Operating expenses increased year on year, reflecting a greater cost burden including investment in human capital and systems. - 2026-05-14OtherResults
「経費 △628 △669 △40」
経費は前期の628億円から669億円へ増加した。 - FY2026-H1Operating expenses rise againAnnual report
「Operating expenses First-half consolidated accounting period of the previous fiscal year 30,117 Current first-half consolidated accounting period 31,653」
Operating expenses increased from ¥30.117 billion in the same period of the previous year to ¥31.653 billion. After declining in the previous first half, operating expenses began increasing again. - FY2025-H1AdvancedAnnual report
「Operating expenses First-half consolidated accounting period of the previous fiscal year 30,731 Current first-half consolidated accounting period 30,117」
Operating expenses declined from ¥30.731 billion in the same period of the previous year to ¥30.117 billion. After continuing to increase through the previous fiscal year, operating expenses turned lower year on year in the current first half. - FY2024-Q3Continued increase in operating expensesAnnual report
「Operating expenses Nine-month consolidated cumulative period of the previous fiscal year 43,782 Nine-month consolidated cumulative period of the current fiscal year 46,118」
Operating expenses increased from ¥43.782 billion in the same period of the previous year to ¥46.118 billion. - FY2024-Q2Continued increase in operating expensesAnnual report
「Operating expenses First-half consolidated accounting period of the previous fiscal year 29,180 Current first-half consolidated accounting period 30,731」
Operating expenses increased by ¥1.551 billion from ¥29.180 billion in the same period of the previous year to ¥30.731 billion. - FY2024-Q1Higher operating expensesAnnual report
「Operating expenses First-quarter consolidated cumulative period of the previous fiscal year 14,480 First-quarter consolidated cumulative period of the current fiscal year 15,217」
Operating expenses increased by ¥0.7 billion year on year to ¥15.2 billion. - FY2023-Q3Rising OHR and investment in human capitalAnnual report
「Operating expenses increased by ¥1.5 billion year on year to ¥43.6 billion - The company increased investment in human capital, including base-pay increases and revisions to the personnel system, resulting in a ¥1.3 billion year-on-year increase in personnel expenses ・Due to the decline in consolidated gross profit, the OHR (operating expenses as a percentage of consolidated gross profit) rose to 79%」
Investment in human capital through base-pay increases and revisions to the personnel system increased personnel expenses, while the decline in consolidated gross profit also contributed to the OHR rising to 79%. - FY2023-Q1OHR increaseAnnual report
「・Operating expenses increased by ¥0.5 billion year on year to ¥14.4 billion - Personnel expenses increased by ¥0.5 billion year on year due to increased staffing, implementation of base-pay increases and revisions to the personnel system ・Due to the decline in consolidated gross profit, the OHR (operating expenses as a percentage of consolidated gross profit) was 67%」
Personnel expenses increased due to increased staffing, implementation of base-pay increases and revisions to the personnel system, while the decline in consolidated gross profit also contributed to an OHR of 67%. - FY2022-Q3AdvancedAnnual report
「Operating expenses increased by ¥2.3 billion year on year to ¥42.1 billion. Personnel expenses and system-related costs increased due to the allocation of resources to priority areas.」Due to strong consolidated gross profit, the OHR (operating expenses as a percentage of consolidated gross profit) declined year on year to 53% on a consolidated basis」
Operating expenses increased due to the allocation of personnel and system resources to priority areas, but strong consolidated gross profit resulted in a year-on-year decline in the OHR. - FY2022-Q2AdvancedAnnual report
「Operating expenses increased by ¥1.8 billion year on year to ¥27.9 billion due to higher personnel expenses associated with the opening of the New York local subsidiary and higher expenses for system-related investments in retail, market and other operations. ・Due to strong gross profit, the OHR (operating expenses as a percentage of gross profit) was 53% on a consolidated basis and 50% on a non-consolidated basis」
Operating expenses increased due to the opening of the New York local subsidiary and system investments for retail, market and other operations, but higher gross profit resulted in an OHR of 53% on a consolidated basis and 50% on a non-consolidated basis. - FY2022-Q1AdvancedAnnual report
「Operating expenses increased by ¥1.0 billion year on year to ¥13.8 billion - Personnel expenses increased due to the opening of the New York local subsidiary and higher system-related investment expenses ・Due to strong gross profit, the OHR (operating expenses as a percentage of gross profit) was 51.8% on a consolidated basis and 48.9% on a non-consolidated basis」
Operating expenses increased due to the opening of the New York local subsidiary and system-related investments, but the increase in gross profit resulted in an OHR of 51.8% on a consolidated basis. - FY2021AdvancedAnnual report
「Operating expenses increased by ¥1.5 billion from the previous fiscal year to ¥54.9 billion due to system-related investments, the opening of the New York local subsidiary and other factors.」The OHR (operating expenses as a percentage of gross profit) was 57.0% on a consolidated basis」
Operating expenses increased due to system investments and the opening of the New York local subsidiary, but the OHR improved from 57.5% in the previous fiscal year to 57.0%. - FY2021-Q3AdvancedAnnual report
「Operating expenses increased by ¥1.6 billion year on year to ¥39.7 billion, mainly due to the opening of the New York local subsidiary in September 2020 and other factors. The company continued its cost-control efforts, and the OHR (operating expenses as a percentage of consolidated gross profit) was 57.5%.」
Operating expenses increased due to the opening of the New York local subsidiary and other factors, but cost control continued and the OHR improved from 57.8% previously to 57.5%. - FY2021-Q2AdvancedAnnual report
「Operating expenses increased by ¥0.8 billion year on year to ¥26.0 billion due to higher expenses at the internet banking subsidiary and expenses associated with providing the new money service “BANK” to individual customers. The company continued its cost-control efforts, and the OHR (operating expenses as a percentage of consolidated gross profit) was 57.8%.」
Operating expenses reached ¥26.0 billion due to higher expenses at the internet banking subsidiary and expenses related to BANK, but cost control continued and the OHR improved from 60.0% in the previous quarter to 57.8%. - FY2021-Q1OHR increaseAnnual report
「Operating expenses increased by ¥0.5 billion year on year to ¥12.8 billion, mainly due to higher expenses at the internet banking subsidiary and expenses associated with providing the new money service “BANK” to individual customers. The OHR (operating expenses as a percentage of consolidated gross profit) was 60.0%.」
Due to higher expenses at the internet banking subsidiary and expenses related to BANK, the OHR reached 60.0%. It increased from 50.9% previously and remains above the medium-term target of approximately 50%. - FY2020-Q3AdvancedAnnual report
「Operating expenses increased by ¥2.2 billion, or 6.3%, year on year to ¥38.1 billion, mainly due to higher expenses at the internet banking subsidiary and expenses related to providing new money services to individual customers. The company continued its cost-control efforts, resulting in an OHR (operating expenses as a percentage of consolidated gross profit) of 50.9%.」
Expenses related to the internet banking subsidiary and the new money services increased, but cost control continued and the OHR declined from approximately 57% in the same period of the previous year to 50.9%. - FY2020-Q2AdvancedAnnual report
「Operating expenses increased by ¥1.5 billion, or 6.7%, year on year to ¥25.2 billion due to higher expenses at the internet banking subsidiary and other factors. The company continued its cost-control efforts, resulting in an OHR (operating expenses as a percentage of consolidated gross profit) of 50.3%.」
Operating expenses increased due to higher expenses at the internet banking subsidiary, but cost control continued and the OHR declined to 50.3%. - FY2020-Q1OHR remains elevatedAnnual report
「Operating expenses increased by ¥0.6 billion, or 5.9%, year on year to ¥12.3 billion, mainly due to higher expenses related to the internet banking business. The OHR (operating expenses as a percentage of consolidated gross profit) was 52.8%.」
Operating expenses increased by 5.9% year on year due to expenses related to the internet banking business and other factors. The OHR was 52.8%, above the medium-term target level of approximately 50%. - FY2019OHR above target and risingAnnual report
「Operating expenses increased by ¥2.5 billion, or 5.5%, from the previous fiscal year to ¥49.4 billion, mainly due to increased staffing in priority areas and higher expenses associated with the launch of the internet banking business. The OHR (operating expenses as a percentage of consolidated gross profit) was 59.0%.」
Operating expenses increased with additional staffing and the launch of the internet banking business, and the OHR reached 59.0%, above the medium-term target of approximately 50%. - FY2019-Q3OHR increaseAnnual report
「Operating expenses increased by ¥1.8 billion, or 5.5%, year on year to ¥35.8 billion, mainly due to increased staffing in priority areas and higher expenses associated with the launch of the internet banking business. The company continued its cost-control efforts, resulting in an OHR (operating expenses as a percentage of consolidated gross profit) of 57.2%.」
Operating expenses increased with additional staffing and the launch of the internet banking business, and the OHR reached 57.2% despite continued cost-control efforts. - FY2019-Q2RestatedAnnual report
「Operating expenses increased by ¥0.9 billion, or 4.0%, year on year to ¥23.6 billion, mainly due to increased staffing in priority areas and higher expenses associated with the launch of the internet banking business. The company continued its cost-control efforts, resulting in an OHR (operating expenses as a percentage of consolidated gross profit) of 52.7%.」
Although operating expenses increased due to increased staffing and the launch of the internet banking business, cost control continued. The OHR was 52.7%, unchanged from the previous quarter's report. - FY2019-Q1Deterioration in the efficiency ratioAnnual report
「While increasing staffing in priority areas, the company continued its cost-control efforts, and operating expenses remained broadly at the same level as in the same period of the previous year, at ¥11.6 billion. The OHR (operating expenses as a percentage of consolidated gross profit) was 52.7%.」
The disclosure cites both increased staffing in priority areas and continued cost control, but the OHR rose from 49.0% in the immediately preceding third quarter to 52.7%. - FY2018-Q3Deterioration in the efficiency ratioAnnual report
「Operating expenses increased by ¥0.8 billion, or 2.5%, year on year to ¥34.0 billion, mainly due to higher personnel expenses associated with increased staffing in the internet banking business and other priority areas. The company continued its cost-control efforts, resulting in an OHR (operating expenses as a percentage of consolidated gross profit) of 49.0%.」
Operating expenses increased by ¥0.8 billion year on year due to increased staffing and other factors. Cost control continued, but the OHR rose from approximately 47% in the same period of the previous year to 49.0%. - FY2018-Q2AdvancedAnnual report
「Operating expenses increased by ¥0.5 billion, or 2.3%, year on year to ¥22.7 billion, mainly due to increased staffing in the internet banking business and other priority areas. The company continued its cost-control efforts, resulting in an OHR (operating expenses as a percentage of consolidated gross profit) of 51.6%.」
Although operating expenses increased due to additional staffing, cost control continued and the OHR improved from 53.4% in the immediately preceding first quarter to 51.6%. - FY2018-Q1Deterioration in the efficiency ratioAnnual report
「Operating expenses increased by ¥0.3 billion, or 2.9%, year on year to ¥11.6 billion, mainly due to increased staffing in the internet banking business and other priority areas. The OHR (operating expenses as a percentage of consolidated gross profit) was 53.4%.」
Operating expenses increased due to increased staffing in the internet banking business and other areas, resulting in an OHR of 53.4%. No specific continuation of cost-control efforts was described, and the efficiency ratio deteriorated from the previous disclosure. - FY2017-Q3AdvancedAnnual report
「Operating expenses increased by ¥2.9 billion, or 9.5%, year on year to ¥33.2 billion, mainly due to amortization costs associated with the introduction of the new core banking system. The company continued its cost-control efforts, resulting in an OHR (operating expenses as a percentage of consolidated gross profit) of 47.1%.」
While continuing cost control, the OHR declined from the previous 48.0% to 47.1%. - FY2017-Q2First statedAnnual report
「Operating expenses increased by ¥2.3 billion, or 11.8%, year on year to ¥22.2 billion, mainly due to amortization costs associated with the introduction of the new core banking system. The company nevertheless continued its cost-control efforts, resulting in an OHR of 48.0%.」
The disclosure describes cost-control measures to maintain an OHR of 48.0% as expenses increased due to amortization costs for the new core banking system.