Komori
The Kiyo Bank (8370) · InitiativeMitigatedLatest Earnings (2026-08-03): "Worsened"

Strengthening investment capabilities to make market operations a core earnings pillar

First written in FY2016. 5 of 34 entries say "Softened", first in FY2018. Latest entry: 2026-08-03.

34entries
11years
2from disclosures
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How it moved
ProgressHeldSoftenedWorseOtherFY2016 – FY2018-Q3OtherFY2020-Q1 – FY2023-Q32016: 220162017: 420172018: 420182019: 420192020: 320202021: 420212022: 320222023: 420232024: 220242025: 220252026: 22026
Same theme, other companies
Expanding investment returns through more sophisticated and diversified asset management strategiesA theme 7 companies write about · 0 as a headwind · 7 as a tailwind

0 other companies' latest entry also says "Worsened".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Full recordFilings, disclosures and news, newest first
  1. FY2026-H1MitigatedAnnual report

    「Net other operating income increased by ¥1,557 million from the first six months of the previous fiscal year to a loss of ¥337 million.」

    Net other operating income improved from a loss of ¥1,894 million in the same period of the previous year to a loss of ¥337 million, but remained negative.
  2. FY2025WorsenedAnnual report

    「Net other operating income decreased by ¥2,980 million from the previous fiscal year to a loss of ¥8,884 million.」

    The loss in net other operating income widened from ¥5,904 million in the previous year to ¥8,884 million.
  3. FY2025-H1WorsenedAnnual report

    「Net other operating income decreased by ¥317 million from the first six months of the previous fiscal year to a loss of ¥1,894 million.」

    Net other operating income decreased from the same period of the previous year, resulting in a loss of ¥1,894 million. Deterioration in market-operation-related net income continued.
  4. FY2024-Q3Narrowing loss in net other operating incomeAnnual report

    「Net other operating income increased by ¥553 million from the first nine months of the previous fiscal year to a loss of ¥1,117 million.」

    Net other operating income improved from a loss of ¥1,670 million in the same period of the previous year to a loss of ¥1,117 million, narrowing the loss. However, it remained negative.
  5. FY2024-Q2Narrowing loss in net other operating incomeAnnual report

    「Net other operating income increased by ¥953 million from the first six months of the previous fiscal year to a loss of ¥1,577 million.」

    Net other operating income improved from a loss of ¥2,530 million in the same period of the previous year to a loss of ¥1,577 million, narrowing the loss, but remained negative.
  6. FY2024-Q1Narrowing loss in net other operating incomeAnnual report

    「Net other operating income increased by ¥1,605 million from the first three months of the previous fiscal year to a loss of ¥573 million.」

    Net other operating income improved from a loss of ¥2,178 million in the same period of the previous year to a loss of ¥573 million, but remained negative. Market-operation-related income also improved.
  7. FY2023WorsenedAnnual report

    「Other operating income decreased by ¥23,162 million from the previous fiscal year to a loss of ¥24,341 million, mainly because gains (losses) on Japanese government bonds and other bonds declined.」

    Other operating income related to market operations decreased significantly, widening the loss.
  8. FY2023-Q3Widening loss in net other operating incomeAnnual report

    「Net other operating income decreased by ¥1,481 million from the first nine months of the previous fiscal year to a loss of ¥1,670 million.」

    Net other operating income decreased from a loss of ¥189 million in the same period of the previous year to a loss of ¥1,670 million, widening the deficit. The disclosure also noted increases in interest paid on securities lending and borrowing transactions and losses on sales of Japanese government bonds and other bonds.
  9. FY2023-Q2Widening loss in net other operating incomeAnnual report

    「Net other operating income decreased by ¥2,064 million from the first six months of the previous fiscal year to a loss of ¥2,530 million.」

    Net other operating income decreased from a loss of ¥466 million in the same period of the previous year to a loss of ¥2,530 million, widening the deficit in net other operating income, including market-operation-related income.
  10. FY2023-Q1Widening loss in net other operating incomeAnnual report

    「Net other operating income decreased by ¥2,787 million from the first three months of the previous fiscal year to a loss of ¥2,178 million.」

    Net other operating income related to market operations deteriorated from ¥609 million in the same period of the previous year to a loss of ¥2,178 million.
  11. FY2022Other operating income turns negativeAnnual report

    「Other operating income decreased by ¥5,195 million from the previous fiscal year to a loss of ¥1,179 million, mainly because gains (losses) on Japanese government bonds and other bonds declined.」

    Other operating income turned negative because gains (losses) on Japanese government bonds and other bonds related to market operations declined.
  12. FY2022-Q2Increase in market-operation-related income and a shift of net other operating income into the redAnnual report

    「Net other operating income decreased by ¥3,584 million from the first six months of the previous fiscal year to a loss of ¥466 million.」

    While net interest income increased by ¥2,094 million year on year, net other operating income decreased by ¥3,584 million and turned negative. Market-operation-related income showed differing trends by component.
  13. FY2022-Q1Changes in market-operation-related income by componentAnnual report

    「Consolidated ordinary revenue increased by ¥2,870 million from the first three months of the previous fiscal year to ¥22,442 million, mainly because interest on loans, fees and commissions, and gains on sales of stocks and other securities increased. Net other operating income decreased by ¥1,728 million to ¥609 million.」

    Interest on loans, fees and commissions, and gains on sales of stocks increased, while net other operating income declined. Market-operation-related income showed differing trends across its components.
  14. FY2021Decrease in securities investment income and increase in the balanceAnnual report

    「Current fiscal year 20,388」

    Ordinary revenue from external customers in the securities investment business decreased from ¥29,215 million in the previous fiscal year to ¥20,388 million. Meanwhile, the balance of securities increased, so investment balances and income did not move in the same direction.
  15. FY2021-Q3Continued decrease in market-operation-related incomeAnnual report

    「Consolidated ordinary revenue decreased by ¥4,844 million from the first nine months of the previous fiscal year to ¥56,008 million, mainly because interest and dividends on securities and gains on sales of Japanese government bonds and other bonds declined, despite increases in interest on loans and fees and commissions. Net other operating income decreased by ¥3,304 million from the first nine months of the previous fiscal year to ¥3,406 million.」

    While interest on loans and other income increased, interest and dividends on securities, gains on sales of Japanese government bonds and other bonds, and net other operating income declined, and weakness in market-operation-related income continued.
  16. FY2021-Q2Decrease in market-operation-related incomeAnnual report

    「Consolidated ordinary revenue decreased by ¥5,613 million from the first six months of the previous fiscal year to ¥36,952 million, mainly because interest and dividends on securities and gains on sales of Japanese government bonds and other bonds declined, despite increases in interest on loans and fees and commissions.」

    While interest on loans and other income increased, interest and dividends on securities and gains on sales of Japanese government bonds and other bonds declined, weakening market-operation-related income.
  17. FY2021-Q1Decrease in market-operation-related income and changes in net incomeAnnual report

    「Consolidated ordinary revenue decreased by ¥4,081 million from the first three months of the previous fiscal year to ¥19,572 million, mainly because gains on sales of Japanese government bonds and other bonds and gains on sales of stocks and other securities declined, despite an increase in interest on loans.」

    While interest on loans increased, gains on sales of Japanese government bonds and other bonds and gains on sales of stocks and other securities declined, causing ordinary revenue to decrease year on year. Under the theme of making market operations a core source of revenue, revenue components continued to fluctuate.
  18. FY2020-Q3Improvement in market-operation-related income and continued growth in investment balancesAnnual report

    「Net other operating income increased by ¥8,143 million from the first nine months of the previous fiscal year to ¥6,710 million.」

    Net other operating income improved from a loss in the same period of the previous year to ¥6,710 million. Meanwhile, net interest income decreased year on year, and market-operation-related income showed mixed trends across its components.
  19. FY2020-Q2Improvement in market-operation-related income and a reversal to growth in the securities balanceAnnual report

    「For the first six months of the current fiscal year, net interest income decreased by ¥1,922 million from the first six months of the previous fiscal year to ¥20,798 million, as interest income decreased by ¥1,054 million to ¥22,651 million while interest expenses increased by ¥867 million to ¥1,852 million. Net interest income from the domestic business segment was ¥19,866 million. Net fees and commissions increased by ¥335 million to ¥4,734 million, including ¥4,696 million from the domestic business segment. Net other operating income increased by ¥7,116 million to ¥5,246 million, including ¥2,654 million from the domestic business segment.」

    While net interest income decreased, net other operating income improved significantly from a loss in the same period of the previous year to ¥5,246 million. Market-operation-related income showed mixed trends across its components, and the balance of securities also returned to growth.
  20. FY2020-Q1Improvement in market-operation-related income and decrease in investment balancesAnnual report

    「For the first three months of the current fiscal year, net interest income decreased by ¥1,557 million from the first three months of the previous fiscal year to ¥10,554 million, as interest income decreased by ¥1,276 million to ¥11,324 million while interest expenses increased by ¥282 million to ¥770 million. Net interest income from the domestic business segment was ¥10,057 million. Net fees and commissions increased by ¥97 million to ¥2,322 million, including ¥2,311 million from the domestic business segment. Net other operating income increased by ¥4,975 million to ¥3,622 million, including ¥1,492 million from the domestic business segment.」

    While net interest income decreased, net other operating income improved from a loss in the same period of the previous year to ¥3,622 million. However, the balance of securities continued to decline.
  21. FY2019SoftenedAnnual report

    「The balance of securities decreased by ¥143.9 billion from the end of the previous fiscal year to ¥967.3 billion, mainly because domestic bonds matured.」

    The balance of securities fell below ¥1 trillion, and investment balances continued to contract relative to the previous policy of making market operations one of the main sources of revenue.
  22. FY2019-Q3SoftenedAnnual report

    「Net other operating income decreased by ¥2,690 million from the first nine months of the previous fiscal year to a loss of ¥1,433 million.」

    Net other operating income decreased by ¥2,690 million year on year and turned negative. Weakness continues in market-operation-related income, including the contraction of the securities balance and an increase in losses on bond sales.
  23. FY2019-Q2SoftenedAnnual report

    「The balance of securities decreased by ¥179.0 billion from the end of the previous fiscal year to ¥932.1 billion, mainly because domestic bonds were sold or matured and foreign-currency-denominated bonds were sold.」

    The balance of securities declined further, falling below ¥1 trillion, because domestic bonds were sold or matured and foreign-currency-denominated bonds were sold. Market-operation balances continue to contract.
  24. FY2019-Q1SoftenedAnnual report

    「The balance of securities decreased by ¥122.0 billion from the end of the previous fiscal year to ¥989.1 billion, mainly because domestic bonds matured and foreign-currency-denominated bonds were sold.」

    The balance of securities fell below ¥1 trillion to ¥989.1 billion because domestic bonds matured and foreign-currency-denominated bonds were sold. Compared with the previous policy of making market operations one of the main sources of revenue, investment balances continue to contract.
  25. FY2018SoftenedAnnual report

    「The balance of securities decreased by ¥194.3 billion from the end of the previous fiscal year to ¥1,111.2 billion, mainly because domestic bonds matured and bonds denominated in foreign currencies were sold in anticipation of higher funding costs.」

    Compared with the previous description identifying market operations as one of the main sources of revenue, the balance of securities contracted significantly because domestic bonds matured and foreign-currency-denominated bonds were sold.
  26. FY2018-Q3Decrease in gains (losses) on bonds and increase in gains (losses) on stocks and other securitiesAnnual report

    「Although net interest income and gains (losses) on bonds declined, gains (losses) on stocks and other securities increased and operating expenses decreased. As a result, ordinary revenue decreased by ¥1,454 million from the first nine months of the previous fiscal year to ¥55,696 million, ordinary expenses decreased by ¥2,764 million to ¥40,803 million, ordinary income increased by ¥1,309 million to ¥14,892 million, and quarterly net income attributable to owners of the parent increased by ¥771 million to ¥10,309 million.」

    While net interest income and gains (losses) on bonds declined, profitability improved due in part to an increase in gains (losses) on stocks and other securities. Revenue related to market operations showed mixed trends across its components.
  27. FY2018-Q2Increase in securities investment income and decrease in other operating incomeAnnual report

    「Securities investment business 11,730」

    Ordinary revenue from external customers in the securities investment business increased from ¥11,211 million in the same period of the previous year to ¥11,730 million. Meanwhile, other operating income decreased by ¥800 million year on year to ¥1,387 million, mainly because gains (losses) on bonds declined.
  28. FY2018-Q1Decrease in gains (losses) on bondsAnnual report

    「For the first three months of the current fiscal year, net interest income decreased by ¥416 million from the first three months of the previous fiscal year to ¥12,583 million, as interest income decreased by ¥603 million to ¥13,352 million, while interest expenses decreased by ¥187 million to ¥769 million, mainly because interest on loans and interest on deposits declined.」

    Net interest income decreased by ¥416 million year on year, while net other operating income also decreased by ¥1,969 million because gains (losses) on bonds declined. Despite the policy of making market operations a core source of revenue, related income continues to decline.
  29. FY2017Decrease in gains (losses) on securities investments and bondsAnnual report

    「Other operating income decreased by ¥5,215 million from the previous fiscal year to a loss of ¥506 million, mainly because gains (losses) on bonds declined.」

    Although the policy identifies market operations as one of the main sources of revenue, other operating income turned negative because gains (losses) on bonds declined.
  30. FY2017-Q3Decrease in gains (losses) on securitiesAnnual report

    「Although fees and commissions increased, net interest income and gains (losses) on securities declined. As a result, ordinary revenue decreased by ¥6,462 million from the first nine months of the previous fiscal year to ¥57,150 million, ordinary expenses increased by ¥1,013 million to ¥43,567 million, ordinary income decreased by ¥7,474 million to ¥13,583 million, and quarterly net income attributable to owners of the parent decreased by ¥5,024 million to ¥9,538 million.」

    Gains (losses) on securities related to market operations, together with net interest income, decreased year on year.
  31. FY2017-Q2Decrease in securities investment incomeAnnual report

    「Securities investment business 11,211」

    In segment information, ordinary revenue from external customers in the securities investment business was ¥11,211 million, down from ¥17,784 million in the same period of the previous year.
  32. FY2016First statedAnnual report

    「Alongside the early achievement of the ¥4 trillion deposit target, we will make market operations one of our core earnings drivers and strengthen our investment capabilities while diversifying investment assets and methods.」

    Alongside the expansion of deposits, the bank is diversifying its investment assets and methods and positioning market operations as a source of earnings.
Moved together

"Interest Rate and Credit Risk in Domestic and International Bonds" moved the same way as this thread, in the same document, in 8 of its 34 moves.

866433★123456
  1. ★This thread
  2. 1Interest Rate and Credit Risk in Domestic and International Bonds8×
  3. 2Risks Related to Changes in Accounting Standards, Deferred Tax Assets, and Retirement Benefits6×
  4. 3Guarantee obligations for privately placed bonds6×
  5. 4Credit Exposure Relating to Undrawn Loan Balances4×
  6. 5Strengthening lending and earnings through relationship-banking-based sales3×
  7. 6Early achievement of ¥4 trillion in deposits3×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
No upcoming earnings preview for The Kiyo Bank yet. It last moved in the Earnings of 2026-08-03: "Worsened".
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Strengthening investment capabilities to make market operations a core earnings pillar | The Kiyo Bank,Ltd. (8370) | Komori