Improving Lending Yields and Expanding Lending to Small and Medium-Sized Enterprises
First written in FY2018. 6 of 19 entries say "Advanced", first in FY2021. Latest entry: FY2026.
1 other company's latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「In addition, profit from customer-oriented service operations on a non-consolidated basis improved substantially, increasing by ¥2.763 billion year on year to ¥3.911 billion.」
Against a backdrop including an increase in loan interest income, profit from customer-oriented service operations improved, and loan interest income increased from ¥25.094 billion to ¥34.073 billion. - 2026-05-14AdvancedRevision of earnings forecasts
「Interest on loans (up ¥9,011 million year on year)」
Interest on loans increased by ¥9.011 billion year on year, concretely reflecting the expansion in interest income from loans in the full-year results. - FY2026-H1AdvancedAnnual report
「(Of which, loan interest income) 11,796 16,147」
Loan interest income increased from ¥11.796 billion in the same period of the previous year to ¥16.147 billion. The disclosure stated that loan interest income expanded alongside increases in loan balances for corporate and individual customers. - FY2025AdvancedAnnual report
「Although interest payments on deposits and other liabilities increased following the Bank of Japan's policy rate hikes, interest income on loans increased steadily, supported by growth in loans outstanding, particularly lending to small and medium-sized enterprises and personal loans, including housing loans.」
Loan interest income increased from ¥21.735 billion in the previous fiscal year to ¥25.094 billion, driven by lending to small and medium-sized enterprises, housing loans and other factors. - FY2025-H1Loan interest income increasedAnnual report
「(Of which, loan interest income) 10,522 11,796」
Loan interest income increased from ¥10.522 billion in the same period of the previous year to ¥11.796 billion. - FY2024AdvancedAnnual report
「In addition, profit from customer-oriented service operations on a non-consolidated basis improved substantially, increasing by ¥2.763 billion year on year to ¥3.911 billion.」
Against a backdrop including increases in loan interest income and profit from fees and commissions, profit from customer-oriented service operations increased by ¥2.763 billion year on year. - FY2024-Q3Loan interest income increasedAnnual report
「(Of which, loan interest income) 13,967 16,196」
Loan interest income increased from ¥13.967 billion in the same period of the previous year to ¥16.196 billion. - FY2024-Q1Loan interest income increasedAnnual report
「(Of which, loan interest income) 4,442 5,162」
Loan interest income increased from ¥4.442 billion in the same period of the previous year to ¥5.162 billion. - FY2023Loan interest income increased and profit from customer-oriented service operations returned to profitabilityAnnual report
「In addition, profit from customer-oriented service operations on a non-consolidated basis returned to profitability for the first time in 13 years.」
Against a backdrop including increases in loan interest income and interest and dividend income on securities, profit from customer-oriented service operations returned to profitability for the first time in 13 years. - FY2023-Q3Loan interest income increasedAnnual report
「(Of which, loan interest income) 12,667 13,967」
Loan interest income increased from ¥12.667 billion in the same period of the previous year to ¥13.967 billion. - FY2023-Q2Loan interest income increasedAnnual report
「(Of which, loan interest income) 8,400 9,102」
Loan interest income increased from ¥8.400 billion in the same period of the previous year to ¥9.102 billion. There was no new disclosure on improvement in loan yields or progress toward the annual target. - FY2023-Q1Loan interest income increasedAnnual report
「(Of which, loan interest income) 4,180 4,442」
Loan interest income increased from ¥4.180 billion in the same period of the previous year to ¥4.442 billion. However, there was no new disclosure on improvement in loan yields or progress toward the annual target. - FY2022Loan interest income increased but fell short of the targetAnnual report
「Loan balances increased steadily, but difficult yield conditions continued, resulting in loan interest income falling ¥500 million below target.」
Loan interest income was ¥16.9 billion, ¥500 million below the target of ¥17.5 billion or more for the fiscal year ending March 2022. Loan balances, however, increased. - FY2022-Q3Loan interest income increased, while net interest income declinedAnnual report
「For the nine months ended 31 December of the current fiscal year, net interest income decreased by ¥757 million year on year to ¥20.431 billion, despite an increase in loan interest income, due mainly to a decrease in interest and dividend income on securities.」
Loan interest income increased year on year, but overall net interest income decreased by ¥757 million year on year due mainly to a decrease in interest and dividend income on securities. - FY2022-Q2Loan interest income increasedAnnual report
「Net interest income decreased by ¥1.189 billion year on year to ¥13.317 billion, despite an increase in loan interest income, due mainly to a decrease in interest and dividend income on securities.」
Loan interest income increased year on year, but overall net interest income declined due mainly to a decrease in interest and dividend income on securities. The document does not explicitly state that loan yields improved. - FY2021AdvancedAnnual report
「Loan balances increased steadily, but yields continued to decline, resulting in loan interest income falling below target.」
Loan interest income increased from ¥15.8 billion in the previous fiscal year to ¥16.5 billion, but still fell short of the target of ¥17.5 billion or more for the fiscal year ending March 2022. - FY2020Loan interest income fell short of the targetAnnual report
「Loan balances increased steadily, but yields continued to decline, resulting in loan interest income falling below target.」
Loan balances increased, but the decline in yields continued, and loan interest income was ¥15.8 billion, compared with the target of ¥17.5 billion or more for the fiscal year ending March 2022. - FY2019The decline in loan yields narrowedAnnual report
「Loan yields declined, but the extent of the decline narrowed.」
Loan yields continued to decline, but the disclosure stated that the extent of the decline had narrowed. - FY2018First statedAnnual report
「We recognize that increasing loan balances and improving yields are urgent issues. By providing solutions suited to customers’ management challenges based on business viability assessments, we will work to expand lending to small and medium-sized enterprises and improve yields.」
The company identified not only expanding loan balances but also improving yields as an urgent issue, and indicated that it would provide solutions based on business viability assessments.