Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Ordinary revenue increased, mainly due to higher interest and dividend income, while ordinary expenses also increased, mainly due to higher funding costs and losses on sales of government bonds and other securities. On a non-consolidated basis, the factors included increases in net interest income and fees and commissions income, lower expenses, and lower credit-related costs.
Not applicable.
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Ordinary income | ¥35,518 million (YoY +35.7%) |
| Profit attributable to owners of the parent | ¥34,728 million (YoY +72.1%) |
| Net income per share | ¥198.55 |
| Equity ratio | End of the current fiscal period 9.1 / End of previous period 8.5 |
| Total assets | ¥3,543,585 million |
| Net assets | ¥323,441 million |
| Cash flows from operating activities | ¥-148,142 million |
| Cash flows from investing activities | ¥-81,687 million |
| Cash flows from financing activities | ¥-24,126 million |
| Cash and cash equivalents at end of period | ¥430,500 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥47,500 million (YoY +33.7%) / Net income ¥32,000 million (YoY -7.8%) |
| Annual Dividend Forecast | ¥29.00 → ¥60.00 |
| Payout ratio | 30.2% (fiscal year ending March 2026), 31.9% (forecast for fiscal year ending March 2027) |
| Segment revenue | Banks ¥100,870 million |
| Segment profit | Banks ¥34,528 million |
| Depreciation and amortization | ¥3,931 million |
| Impairment loss | ¥108 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥233 million / Extraordinary loss Losses on disposal of fixed assets ¥363 million, Impairment Losses ¥108 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | Number of newly consolidated companies 0 / Number of companies excluded 0 / Company name None |
| Material subsequent events | At a meeting of the Board of Directors held on 24 April 2026, the company resolved to establish a framework for the acquisition of up to 5 million shares of treasury stock for a total acquisition cost of up to ¥12 billion, and to cancel 25 million shares of treasury stock. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Available (for institutional investors and analysts) |
| Issued Shares at Period-End | 197,139,248 Shares |
| Treasury Shares at Period-End | 26,676,268 Shares |
| Factors Behind Changes in Business Performance | Ordinary revenue increased, mainly due to higher interest and dividend income, while ordinary expenses also increased, mainly due to higher funding costs and losses on sales of government bonds and other securities. On a non-consolidated basis, the factors included increases in net interest income and fees and commissions income, lower expenses, and lower credit-related costs. |
Items this document does not state (7)
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.Ordinary revenue increased, mainly due to higher interest and dividend income. Ordinary expenses also increased, mainly due to higher funding costs and losses on sales of bonds and other securities, but ordinary profit increased, with lower credit-related costs and other factors also contributing on a non-consolidated basis.