Worth reading
31Immaterial
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
13854
Millions of yenWording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPNet Sales37,105¥ million (ordinary income)Year on year +42.6%
Ordinary income20,521Millions of yenYear on year +207.7%Progress 43.2%
Net income attributable to owners of the parent14,086Millions of yenYear on year +158.5%
The 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.
Net income per share¥82.70
Financial position at period-end
Total assets3,561,131Millions of yen
of which net assets 330,472 Millions of yenEquity ratio 9.2%vs. prior year-end +0.1pt
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.
Segment revenueBanks ¥34,787 million (ordinary income)
Segment profitBanks 20,228 Millions of yen
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income47,500 Millions of yen (YoY +33.7%)
Profit attributable to owners of the parent32,000 Millions of yen (YoY -7.8%)
Annual Dividend Forecast¥60 → ¥60（0.0%）
Factors Behind Changes in Business Performance
Ordinary income increased due to higher interest on loans and the recognition of gains on reversal of allowance for loan losses, while ordinary expenses decreased mainly because of a decline in losses on redemption of Japanese government bonds and other securities.
Disclosure regarding the going concern assumption
No applicable matters
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 No修正再表示 No
Changes in the scope of consolidationNew 0 companies / Excluded 0 companies / Company name Not disclosed
Impairment loss21 Millions of yen
Breakdown of extraordinary income (loss)Extraordinary income Not disclosed / Extraordinary loss Losses on disposal of fixed assets 63 Millions of yen, Impairment Losses 21 Millions of yen
Depreciation and amortization981 Millions of yen
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable Yes / Subject person Institutional investors and analysts
Issued Shares at Period-End172,139,248
Treasury Shares at Period-End2,059,737
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | ¥37,105 million (ordinary income) (YoY +42.6%) |
| Ordinary income | 20,521 Millions of yen (YoY +207.7%) |
| Profit attributable to owners of the parent | 14,086 Millions of yen (YoY +158.5%) |
| Net income per share | ¥82.70 |
| Equity ratio | End of the current fiscal period 9.2 / End of previous period 9.1 |
| Total assets | 3,561,131 Millions of yen |
| Net assets | 330,472 Millions of yen |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income 47,500 Millions of yen (YoY +33.7%) / Profit attributable to owners of the parent 32,000 Millions of yen (YoY -7.8%) |
| Annual Dividend Forecast | ¥60 → ¥60（0.0%） |
| Segment revenue | Banks ¥34,787 million (ordinary income) |
| Segment profit | Banks 20,228 Millions of yen |
| Depreciation and amortization | 981 Millions of yen |
| Impairment loss | 21 Millions of yen |
| Breakdown of extraordinary income (loss) | Extraordinary income Not disclosed / Extraordinary loss Losses on disposal of fixed assets 63 Millions of yen, Impairment Losses 21 Millions of yen |
| Disclosure regarding the going concern assumption | No applicable matters |
| 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 | New 0 companies / Excluded 0 companies / Company name Not disclosed |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 172,139,248 |
| Treasury Shares at Period-End | 2,059,737 |
| Factors Behind Changes in Business Performance | Ordinary income increased due to higher interest on loans and the recognition of gains on reversal of allowance for loan losses, while ordinary expenses decreased mainly because of a decline in losses on redemption of Japanese government bonds and other securities. |
Items this document does not state (12)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodRevision to Earnings ForecastPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogMaterial subsequent events
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 income increased due to higher interest on loans and the recognition of gains on reversal of allowance for loan losses, while ordinary expenses decreased mainly because of a decline in losses on redemption of Japanese government bonds and other securities.
How to read this page
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