Pursuing Value-Adding Proposals and Strengthening Earnings Power
First written in FY2016. 22 of 38 entries say "Advanced", first in FY2017. Latest entry: 2026-08-03.
The whole theme swung hardest in 2025: 18 of 106 companies on the "Worse" side.
53 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「As a result of these initiatives to help customers address their challenges, consolidated non-interest business income, comprising corporate service fee income and income from entrusted financial assets and other sources, increased by ¥3,700 million from the previous fiscal year to ¥29,300 million, reaching a record high.」
Consolidated non-interest business income increased to ¥29,300 million and reached a record high, supported by problem-solving-based sales and initiatives involving entrusted financial assets and other sources. - FY2026-H1AdvancedAnnual report
「Ordinary income increased by ¥20,862 million year on year to ¥131,622 million, mainly due to an increase in funds investment income, including interest on loans and interest and dividends on securities. As a result, ordinary profit increased by ¥8,334 million to ¥40,582 million. Interim net income attributable to owners of the parent also increased by ¥4,936 million to ¥27,854 million.」
Ordinary income, ordinary profit and interim net income attributable to owners of the parent exceeded the year-earlier levels, driven by higher funds investment income. - FY2025AdvancedAnnual report
「As a result of these initiatives to help customers address their challenges, consolidated non-interest business income, comprising corporate service fee income and income from entrusted financial assets and other sources, increased by ¥1,300 million from the previous fiscal year to ¥25,600 million, reaching a record high.」
Consolidated non-interest business income increased to ¥25,600 million and reached a record high, supported by problem-solving-based sales and collaboration with securities operations. - FY2025-H1AdvancedAnnual report
「Ordinary income increased by ¥4,412 million year on year to ¥110,759 million, mainly due to an increase in funds investment income, including interest on loans. Ordinary expenses decreased by ¥8,162 million to ¥78,510 million, mainly due to a decrease in other operating expenses, including losses on sales of Japanese government bonds and other bonds. As a result, ordinary profit increased by ¥12,574 million to ¥32,248 million. Interim net income attributable to owners of the parent also increased by ¥8,059 million to ¥22,917 million.」
Higher funds investment income and lower other operating expenses drove ordinary profit and interim net income attributable to owners of the parent above the year-earlier levels. - FY2024-Q3AdvancedAnnual report
「Ordinary income increased by ¥23,367 million year on year to ¥156,066 million, mainly due to an increase in funds investment income. Ordinary expenses increased by ¥19,163 million to ¥122,156 million, mainly due to an increase in funds procurement expenses. As a result, ordinary profit increased by ¥4,204 million to ¥33,909 million. Quarterly net income attributable to owners of the parent also increased by ¥2,409 million to ¥24,630 million.」
For the nine months ended the third quarter of fiscal 2023, ordinary income, ordinary profit and quarterly net income attributable to owners of the parent exceeded the year-earlier levels. Net income from fees and commissions also increased by ¥3,508 million year on year to ¥13,874 million. - FY2024-Q2AdvancedAnnual report
「Ordinary income increased by ¥14,839 million year on year to ¥106,347 million, mainly due to an increase in funds investment income. Ordinary expenses increased by ¥13,365 million to ¥86,673 million, mainly due to an increase in funds procurement expenses. As a result, ordinary profit increased by ¥1,473 million to ¥19,673 million. Interim net income attributable to owners of the parent also increased by ¥1,064 million to ¥14,858 million.」
Ordinary income, ordinary profit and interim net income attributable to owners of the parent increased year on year. Net income from fees and commissions also increased by ¥2,458 million to ¥10,060 million, indicating an improvement in earnings capacity. - FY2024-Q1AdvancedAnnual report
「Ordinary income increased by ¥8,754 million year on year to ¥54,785 million, mainly due to an increase in funds investment income. Ordinary expenses increased by ¥8,120 million to ¥42,219 million, mainly due to an increase in funds procurement expenses. As a result, ordinary profit increased by ¥633 million to ¥12,566 million. Quarterly net income attributable to owners of the parent also increased by ¥403 million to ¥9,016 million.」
Ordinary profit increased by ¥633 million year on year, and quarterly net income attributable to owners of the parent increased by ¥403 million, mainly due to higher funds investment income. - FY2023AdvancedAnnual report
「Non-interest business income increased by ¥492 million from the previous consolidated fiscal year to ¥21,022 million.」
Non-interest business income increased from ¥20,530 million to ¥21,022 million, mainly due to higher corporate service fee income. - FY2023-Q3Third-quarter income up, profit decline continuesAnnual report
「Ordinary income increased by ¥19,260 million year on year to ¥132,698 million, mainly due to an increase in other ordinary income, including gains on sales of shares and other securities. Ordinary expenses increased by ¥22,767 million to ¥102,993 million, mainly due to an increase in other operating expenses, including losses on sales of Japanese government bonds and other bonds. As a result, ordinary profit decreased by ¥3,507 million to ¥29,705 million. Quarterly net income attributable to owners of the parent also decreased by ¥1,196 million to ¥22,220 million.」
For the nine-month cumulative period, ordinary income increased year on year, but ordinary expenses increased by more due to higher other operating expenses and other factors. Ordinary profit and quarterly net income attributable to owners of the parent therefore fell below the year-earlier levels. - FY2023-Q2First-half income up, profit downAnnual report
「Ordinary income increased by ¥13,948 million year on year to ¥91,507 million, mainly due to an increase in other ordinary income, including gains on sales of shares and other securities. Ordinary expenses increased by ¥19,383 million to ¥73,307 million, mainly due to an increase in other operating expenses, including losses on sales of Japanese government bonds and other bonds. As a result, ordinary profit decreased by ¥5,435 million to ¥18,200 million. Interim net income attributable to owners of the parent also decreased by ¥1,578 million to ¥13,793 million.」
In the first half, ordinary income increased due to higher gains on sales of shares and other securities, but ordinary expenses increased by more due to higher losses on sales of Japanese government bonds and other bonds. Ordinary profit and interim net income attributable to owners of the parent therefore fell below the year-earlier levels. - FY2023-Q1Quarterly income up, profit downAnnual report
「Ordinary income increased by ¥1,263 million year on year to ¥46,031 million, mainly due to an increase in other ordinary income, including gains on sales of shares and other securities. Ordinary expenses increased by ¥6,426 million to ¥34,099 million, mainly due to an increase in other operating expenses, including losses on sales of Japanese government bonds and other bonds. As a result, ordinary profit decreased by ¥5,163 million to ¥11,932 million. Quarterly net income attributable to owners of the parent also decreased by ¥2,854 million to ¥8,612 million.」
Although ordinary income increased year on year, ordinary profit and quarterly net income attributable to owners of the parent fell below the year-earlier levels due to higher ordinary expenses. - FY2022AdvancedAnnual report
「Non-interest business income increased by ¥1,368 million from the previous consolidated fiscal year to ¥20,530 million. As a result of focusing on helping corporate customers address their challenges, corporate service fee income increased through structured covenant loans associated with business succession support and business matching, among other services. Income from entrusted financial assets and other sources also increased as a result of efforts to strengthen bank-securities collaboration and wealth management services.」
Non-interest business income increased to ¥20,530 million through corporate problem-solving support, business succession support, business matching, bank-securities collaboration and wealth management. - FY2022-Q3AdvancedAnnual report
「Ordinary income increased by ¥5,118 million year on year to ¥113,437 million, mainly due to an increase in funds investment income, including interest and dividends on securities. Ordinary expenses decreased by ¥2,840 million to ¥80,225 million, mainly due to a decrease in other ordinary expenses, including provision for loan losses. As a result, ordinary profit increased by ¥7,958 million to ¥33,212 million. Net income attributable to owners of the parent also increased by ¥4,946 million to ¥23,417 million.」
For the nine months ended [the third quarter], ordinary income, ordinary profit and quarterly net income attributable to owners of the parent exceeded the year-earlier levels, due to higher funds investment income and lower other ordinary expenses. - FY2022-Q2AdvancedAnnual report
「Ordinary income increased by ¥3,597 million year on year to ¥77,559 million, mainly due to an increase in funds investment income, including interest and dividends on securities. Ordinary expenses decreased by ¥3,617 million to ¥53,923 million, mainly due to a decrease in other ordinary expenses, including provision for loan losses. As a result, ordinary profit increased by ¥7,215 million to ¥23,635 million. Interim net income attributable to owners of the parent also increased by ¥3,063 million to ¥15,371 million.」
In the first half of fiscal 2021, ordinary income, ordinary profit and interim net income attributable to owners of the parent exceeded the year-earlier levels, due to higher funds investment income and lower other ordinary expenses. - FY2022-Q1AdvancedAnnual report
「Ordinary income increased by ¥5,475 million year on year to ¥44,767 million, mainly due to an increase in interest and dividend income, including interest and dividends on securities. Ordinary expenses decreased by ¥4,687 million to ¥27,672 million, mainly due to lower other ordinary expenses, including provision for loan losses. As a result, ordinary profit increased by ¥10,163 million to ¥17,095 million. Quarterly net income attributable to owners of the parent increased by ¥5,974 million to ¥11,467 million.」
Ordinary income increased and ordinary expenses decreased year on year, resulting in substantial increases in ordinary profit and net income attributable to owners of the parent. - FY2021Non-interest income increased while net income decreasedAnnual report
「Non-interest income increased by ¥2,001 million from the previous consolidated fiscal year to ¥19,162 million. Going forward, we will continue to strengthen non-interest income by providing integrated support for resolving customer issues across the Bank Group and further enhancing cooperation between banking and securities operations.」
Non-interest income increased, while net income attributable to owners of the parent decreased to ¥13,501 million due to higher credit-related costs and other factors. - FY2021-Q3Third-quarter income and profit continued to declineAnnual report
「Ordinary income decreased by ¥2,647 million year on year to ¥108,319 million, mainly due to a decrease in interest and dividend income. Ordinary expenses increased by ¥2,845 million to ¥83,065 million, mainly due to higher other ordinary expenses, including provision for loan losses. As a result, ordinary profit decreased by ¥5,493 million to ¥25,253 million. Quarterly net income attributable to owners of the parent decreased by ¥3,468 million to ¥18,470 million.」
For the cumulative third-quarter period, ordinary income, ordinary profit and quarterly net income attributable to owners of the parent fell below the year-earlier levels due to lower interest and dividend income and higher other ordinary expenses, including provision for loan losses. - FY2021-Q2Interim income increased while profit continued to declineAnnual report
「Ordinary income increased by ¥410 million year on year to ¥73,961 million, mainly due to an increase in other operating income, including gains on sales of Japanese government bonds and other bonds. Ordinary expenses increased by ¥2,866 million to ¥57,541 million, mainly due to higher other ordinary expenses, including provision for loan losses. As a result, ordinary profit decreased by ¥2,455 million to ¥16,419 million. Interim net income attributable to owners of the parent decreased by ¥1,097 million to ¥12,308 million.」
Interim ordinary income increased year on year, while ordinary profit and interim net income attributable to owners of the parent fell below the year-earlier levels due to higher ordinary expenses, including provision for loan losses. - FY2021-Q1First-quarter income slightly up and profit downAnnual report
「Ordinary income increased by ¥162 million year on year to ¥39,291 million, mainly due to an increase in other operating income, including gains on sales of Japanese government bonds and other bonds. Ordinary expenses increased by ¥4,672 million to ¥32,359 million, mainly due to higher other ordinary expenses, including provision for loan losses. As a result, ordinary profit decreased by ¥4,509 million to ¥6,932 million. Quarterly net income attributable to owners of the parent decreased by ¥2,808 million to ¥5,492 million.」
In the first quarter, ordinary income increased slightly year on year, while ordinary profit and quarterly net income attributable to owners of the parent fell below the year-earlier levels due to higher ordinary expenses. - FY2020Full-year income and profit continued to declineAnnual report
「Ordinary income decreased by ¥5,660 million year on year to ¥143,069 million, despite an increase in other operating income, including gains on sales of Japanese government bonds and other bonds, due mainly to decreases in interest and dividend income and other ordinary income, including gains on sales of equities and other securities.」
Ordinary income was ¥143,069 million, ordinary profit was ¥31,523 million, and net income attributable to owners of the parent was ¥22,280 million, all below the previous fiscal year. - FY2020-Q3Third-quarter income and profit continued to decline year on yearAnnual report
「Ordinary income decreased by ¥5,140 million year on year to ¥110,967 million, mainly due to decreases in interest and dividend income and other ordinary income, including gains on sales of equities and other securities. Ordinary expenses decreased by ¥2,187 million to ¥80,220 million, mainly due to lower operating expenses. As a result, ordinary profit decreased by ¥2,952 million to ¥30,746 million. Quarterly net income attributable to owners of the parent decreased by ¥1,160 million to ¥21,939 million.」
Although operating expenses decreased, ordinary income, ordinary profit and quarterly net income attributable to owners of the parent all fell below the year-earlier levels due to decreases in interest and dividend income and gains on sales of equities and other securities. - FY2020-Q2Interim income and profit continued to decline year on yearAnnual report
「Ordinary income decreased by ¥6,636 million year on year to ¥73,551 million, mainly due to decreases in interest and dividend income and other ordinary income, including gains on sales of equities and other securities. Ordinary expenses decreased by ¥130 million to ¥54,675 million, mainly due to lower operating expenses and other operating expenses, including losses on sales of Japanese government bonds and other bonds. As a result, ordinary profit decreased by ¥6,506 million to ¥18,875 million. Interim net income attributable to owners of the parent decreased by ¥3,995 million to ¥13,406 million.」
Against a backdrop of lower interest and dividend income and gains on sales of equities and other securities, ordinary income, ordinary profit and interim net income attributable to owners of the parent fell below the year-earlier levels. - FY2020-Q1Quarterly income and profit continued to decline year on yearAnnual report
「Ordinary income decreased by ¥7,062 million year on year to ¥39,128 million, mainly due to decreases in interest and dividend income and other ordinary income, including gains on sales of equities and other securities. Ordinary expenses decreased by ¥2,106 million to ¥27,687 million, mainly due to lower other operating expenses, including losses on sales of Japanese government bonds and other bonds. As a result, ordinary profit decreased by ¥4,955 million to ¥11,441 million. Quarterly net income attributable to owners of the parent decreased by ¥2,810 million to ¥8,300 million.」
Ordinary income, ordinary profit and quarterly net income attributable to owners of the parent fell below the year-earlier levels due mainly to lower interest and dividend income and gains on sales of equities and other securities. - FY2019Full-year income and profit downAnnual report
「Ordinary income decreased by ¥1,656 million year on year to ¥148,730 million, mainly due to a decrease in interest and dividend income. Ordinary expenses increased by ¥4,967 million to ¥112,945 million, mainly due to higher other ordinary expenses, including provision for loan losses. As a result, ordinary profit decreased by ¥6,623 million to ¥35,785 million. Net income attributable to owners of the parent decreased by ¥5,044 million to ¥23,321 million.」
For the full year, ordinary income, ordinary profit and net income attributable to owners of the parent fell below the previous fiscal year due to lower interest and dividend income and higher provision for loan losses and other expenses. - FY2019-Q3Third-quarter income up and profit downAnnual report
「Ordinary income increased by ¥435 million year on year to ¥116,107 million, mainly due to an increase in other ordinary income, including gains on sales of equities and other securities, despite a decrease in interest and dividend income. Ordinary expenses increased by ¥4,124 million to ¥82,408 million, mainly due to increases in other operating expenses, including losses on sales of Japanese government bonds and other bonds, and other ordinary expenses, including provision for loan losses. As a result, ordinary profit decreased by ¥3,688 million to ¥33,699 million. Quarterly net income attributable to owners of the parent decreased by ¥2,429 million to ¥23,099 million.」
Cumulative third-quarter ordinary income increased year on year, while ordinary profit and quarterly net income attributable to owners of the parent fell below the year-earlier levels due to higher ordinary expenses. - FY2019-Q2Interim income and profit down year on yearAnnual report
「Ordinary income decreased by ¥609 million year on year to ¥80,188 million, mainly due to a decrease in interest and dividend income. Ordinary expenses increased by ¥3,210 million to ¥54,805 million, mainly due to increases in other operating expenses, including losses on sales of Japanese government bonds and other bonds, and other ordinary expenses, including provision for loan losses. As a result, ordinary profit decreased by ¥3,820 million to ¥25,382 million. Interim net income attributable to owners of the parent decreased by ¥2,721 million to ¥17,401 million.」
Against a backdrop of lower interest and dividend income and increases in losses on sales of Japanese government bonds and other bonds and provision for loan losses, ordinary income, ordinary profit and interim net income attributable to owners of the parent fell below the year-earlier levels. - FY2019-Q1Quarterly income and profit down year on yearAnnual report
「Ordinary income decreased by ¥2,045 million year on year to ¥46,191 million, mainly due to a decrease in interest and dividend income. Ordinary expenses increased by ¥2,750 million to ¥29,793 million, mainly due to higher other operating expenses, including losses on sales of Japanese government bonds and other bonds. As a result, ordinary profit decreased by ¥4,796 million to ¥16,397 million. Quarterly net income attributable to owners of the parent decreased by ¥3,364 million to ¥11,111 million.」
Against a backdrop of lower interest and dividend income and higher other operating expenses, including losses on sales of Japanese government bonds and other bonds, ordinary income, ordinary profit and quarterly net income attributable to owners of the parent fell below the year-earlier levels. - FY2018AdvancedAnnual report
「Ordinary income increased by ¥6,255 million year on year to ¥150,386 million, mainly due to an increase in fees and commissions. As a result, ordinary profit increased by ¥5,887 million to ¥42,409 million. Net income attributable to owners of the parent increased by ¥2,061 million to ¥28,366 million.」
Against a backdrop of higher fees and commissions and other factors, ordinary income, ordinary profit and net income attributable to owners of the parent exceeded the previous fiscal year. Consolidated net income exceeded the plan target of ¥28,000 million. - FY2018-Q3AdvancedAnnual report
「Ordinary income increased by ¥6,840 million year on year to ¥115,671 million, mainly due to increases in fees and commissions and other ordinary income. Ordinary expenses increased by ¥1,744 million to ¥78,283 million, mainly due to higher funding costs. As a result, ordinary profit increased by ¥5,096 million to ¥37,388 million. Quarterly net income attributable to owners of the parent increased by ¥908 million to ¥25,529 million.」
Against a backdrop of higher fees and commissions and other ordinary income, ordinary income, ordinary profit and quarterly net income attributable to owners of the parent exceeded the year-earlier levels. - FY2018-Q2AdvancedAnnual report
「Ordinary income increased by ¥8,692 million year on year to ¥80,797 million, mainly due to an increase in interest and dividend income and other ordinary income. Ordinary profit increased by ¥7,315 million to ¥29,202 million. Interim net income attributable to owners of the parent increased by ¥2,611 million to ¥20,123 million.」
Against a backdrop of higher interest and dividend income and other factors, ordinary income, ordinary profit and interim net income attributable to owners of the parent exceeded the year-earlier levels. - FY2018-Q1AdvancedAnnual report
「Ordinary income increased by ¥8,599 million year on year to ¥48,236 million, due mainly to increases in interest and dividend income, fees and commissions, and gains on sales of equities and other securities.」
Fees and commissions and other income increased year on year, with ordinary income at ¥48,236 million and ordinary profit at ¥21,193 million. Measurable progress in earning power was shown, but no causal link to specific initiatives was stated. - FY2017AdvancedAnnual report
「We will practice customer-centric consulting-based sales and work to enhance financial solutions and convenience by strengthening capabilities in priority areas and utilizing FinTech, while strengthening lending capabilities and expanding fee-based businesses.」
Specified measures to strengthen lending capabilities and fee-based businesses through consulting-based sales, stronger capabilities in priority areas and the use of FinTech. - FY2016First statedAnnual report
「Under this theme, we established 4 basic policies to achieve our vision for the Company: "proactive initiatives for regional revitalization," "pursuing valuable proposals and strengthening earning power," "strengthening the management foundation and exercising the Group’s collective strength," and "reforming work styles and supporting each individual’s success."」
Established as one of the 4 basic policies of the new medium-term plan.