Worth reading
80Important
Scored from 2 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
4
Hundreds of millions of yenWording
Conditional
How definitive the wording is.Contents of this document
Presentation materials for financial resultsFirst quarter of the fiscal year ending March 20273 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income24 Hundreds of millions of yen+23.3%
Net income19 Hundreds of millions of yen+16.2%
Selling, general and administrative expenses61 Hundreds of millions of yen
Results for the three months of the current quarterOrdinary income ¥14.9 billion, ordinary profit ¥2.4 billion, quarterly net income ¥1.9 billion, gross operating profit ¥6.4 billion, core net business profit ¥2.7 billion
Full-year earnings forecast
Ordinary income
76 Hundreds of millions of yen
Net income for the current fiscal year
66 Hundreds of 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。
Ordinary income32.3
Net income for the current fiscal year30.2
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
- Interest income on loans+¥1.4 billion
- Interest and dividend income on securities+¥270 million
- Net fees and commissions+¥10 million
- Gains and losses on securities+¥270 million
- Operating ExpensesOperating loss of ¥10 million
- Foreign currency funding costs-¥70 million
- Credit-Related Expenses+¥770 million
- Total income taxes+¥190 million
Key KPIsA metric the company considers important as a management benchmark.
- Core net business profit27 Hundreds of millions of yenYear on year against the same period last year+¥700 million
- Loans22,680 Hundreds of millions of yenYear on year against the same period last year+2.7% from the end of the previous fiscal year
- Deposits26,689 Hundreds of millions of yenYear on year against the same period last year+4.4% from the end of the previous fiscal year
- Assets Under Administration4,696 Hundreds of millions of yenYear on year against the same period last year+10.3% from the end of the previous fiscal year
- Deposits and assets under custody31,385 Hundreds of millions of yenYear on year against the same period last year+5.3% from the end of the previous fiscal year
- Securities4,140 Hundreds of millions of yenYear on year against the same period last year-1.8% from the end of the previous fiscal year
- Disclosed claims under the Financial Reconstruction Act518 Hundreds of millions of yenYear on year against the same period last year-¥1 billion from the end of the previous fiscal year
- Non-performing loan ratio2.25 %Year on year against the same period last year-0.11 percentage points
- Core OHR69.35 %Year on year against the same period last year-5.43 percentage points
- Equity ratio9.6 %Year on year against the same period last year+0.09 percentage points
- ROE7.74 %Year on year against the same period last year+0.24 percentage points
Financial targets
Equity ratio
Actual results9.6 %
ROE
Actual results7.74 %
| Item | Details |
|---|---|
| Document type | Presentation materials for financial results |
| Fiscal Period Covered | First quarter of the fiscal year ending March 2027 |
| Ordinary income | 24 Hundreds of millions of yen (YoY +23.3%) |
| Net income | 19 Hundreds of millions of yen (YoY +16.2%) |
| Selling, general and administrative expenses | 61 Hundreds of millions of yen |
| Results for the three months of the current quarter | Ordinary income ¥14.9 billion, ordinary profit ¥2.4 billion, quarterly net income ¥1.9 billion, gross operating profit ¥6.4 billion, core net business profit ¥2.7 billion |
| Full-year earnings forecast | Ordinary income 76 Hundreds of millions of yen / Net income for the current fiscal year 66 Hundreds of millions of yen |
| Progress against full-year forecast | Ordinary income 32.3 / Net income for the current fiscal year 30.2 |
| Breakdown of Factors Affecting the Change | Factors Interest income on loans / Amount +¥1.4 billion, Factors Interest and dividend income on securities / Amount +¥270 million, Factors Net fees and commissions / Amount +¥10 million, Factors Gains and losses on securities / Amount +¥270 million, Factors Operating Expenses / Amount Operating loss of ¥10 million, Factors Foreign currency funding costs / Amount -¥70 million, Factors Credit-Related Expenses / Amount +¥770 million, Factors Total income taxes / Amount +¥190 million |
| Key KPIs | Indicator name Core net business profit / Value 27 Hundreds of millions of yen / Year on year against the same period last year +¥700 million, Indicator name Loans / Value 22,680 Hundreds of millions of yen / Year on year against the same period last year +2.7% from the end of the previous fiscal year, Indicator name Deposits / Value 26,689 Hundreds of millions of yen / Year on year against the same period last year +4.4% from the end of the previous fiscal year, Indicator name Assets Under Administration / Value 4,696 Hundreds of millions of yen / Year on year against the same period last year +10.3% from the end of the previous fiscal year, Indicator name Deposits and assets under custody / Value 31,385 Hundreds of millions of yen / Year on year against the same period last year +5.3% from the end of the previous fiscal year, Indicator name Securities / Value 4,140 Hundreds of millions of yen / Year on year against the same period last year -1.8% from the end of the previous fiscal year, Indicator name Disclosed claims under the Financial Reconstruction Act / Value 518 Hundreds of millions of yen / Year on year against the same period last year -¥1 billion from the end of the previous fiscal year, Indicator name Non-performing loan ratio / Value 2.25 % / Year on year against the same period last year -0.11 percentage points, Indicator name Core OHR / Value 69.35 % / Year on year against the same period last year -5.43 percentage points, Indicator name Equity ratio / Value 9.6 % / Year on year against the same period last year +0.09 percentage points, Indicator name ROE / Value 7.74 % / Year on year against the same period last year +0.24 percentage points |
| Financial targets | Equity ratio Actual results 9.6 % / ROE Actual results 7.74 % |
Items this document does not state (20)
Net SalesOperating profitGross Profit MarginOperating profit marginSelf-assessment against the planSegment resultsUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsAnnual DividendPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&ANew initiatives
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.Higher interest income on loans, driven by higher loan yields and an increase in the loan balance, higher interest and dividend income on securities, reflecting higher securities yields, and an increase in gains and losses on stocks and other securities contributed to higher profit. On the other hand, losses on sales of Japanese government bonds and other bonds associated with the loss-cutting sale of domestic bonds, higher interest expense on deposits following increases in deposit interest rates, and an increase in credit-related expenses were negative factors.
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