Increase in funding costs due to higher deposit interest expense
First written in FY2026-H1. 2 of 3 entries say "Worsened", first in FY2026. Latest entry: 2026-08-03.
The Yamagata Bank moved to the "Worse" side of this theme in 2026.
The whole theme swung hardest in 2026: 3 of 6 companies on the "Worse" side.
1 other company's latest entry also says "Worsened".
- 2026-08-03WorsenedEarnings
「Ordinary expenses increased by ¥5.241 billion year on year to ¥17.152 billion, mainly due to increases in funding costs, including interest on deposits, and other operating expenses, including losses on the sale of bonds such as Japanese government bonds.」
Funding costs, including interest on deposits, increased from ¥1.969 billion in the same period of the previous year to ¥2.955 billion, while interest on deposits increased from ¥1.513 billion to ¥2.335 billion. - FY2026WorsenedAnnual report
「Funding costs 5,093 8,913 Of which: deposits 3,451 6,867」
Funding costs increased from ¥5,093 million in the previous fiscal year to ¥8,913 million, while interest paid on deposits increased from ¥3,451 million to ¥6,867 million. - FY2026-H1First statedAnnual report
「Ordinary expenses increased by ¥3.899 billion to ¥26.316 billion, mainly because funding costs, including interest on deposits, increased.」
The increase in funding costs, including deposit interest expense, is identified as a new earnings driver in the environment following policy-rate increases.