Diversification of Financial Services Centered on Banking
First written in FY2016. 7 of 32 entries say "Restated". Latest entry: FY2026-H1.
The whole theme swung hardest in 2021: 2 of 21 companies on the "Worse" side.
4 other companies' latest entry also says "Other".
- FY2026-H1Consolidation of a new subsidiary and divergence in segment performanceAnnual report
「As Oita Capital Partners Co., Ltd. (a consolidated subsidiary), engaged in investment and related businesses, and Oita Platform Co., Ltd. (a consolidated subsidiary), engaged in systems planning, development and operations, were established on 1 April 2025, they have been included in the scope of consolidation from the current interim consolidated accounting period.」
New subsidiaries engaged in investment and related businesses and in systems planning, development and operations were established, bringing the number of consolidated subsidiaries to 9. In the first half, Banking reported higher revenue and profit, Leasing higher revenue and lower profit, and Other lower revenue and profit. - FY2025Higher profit in banking and lower profit in leasing and other businessesAnnual report
「In Banking, ordinary income increased by ¥4,106 million from the previous fiscal year to ¥65,832 million, mainly due to higher interest and dividend income on securities.」
For the full fiscal year, Banking reported higher revenue and profit, while Leasing reported higher revenue and lower profit and Other lower revenue and profit, resulting in divergent performance by business segment. - FY2025-H1Higher revenue and profit across all business segments in the first halfAnnual report
「In Banking, ordinary income increased by ¥984 million from the same period of the previous interim fiscal year to ¥32,765 million, mainly due to higher interest and dividend income on securities and higher fees and commissions. Segment profit increased by ¥760 million to ¥4,508 million, as the increase in ordinary income exceeded the rise in ordinary expenses resulting mainly from higher foreign exchange trading losses.」
In the first half of fiscal 2024, ordinary income and segment profit increased year on year in all segments, Banking, Leasing and Other. Banking reported higher revenue and profit; Leasing's ordinary income increased by ¥345 million and segment profit by ¥30 million; and Other's ordinary income increased by ¥136 million and segment profit by ¥144 million. - FY2024Higher profit across all segments: Banking, Leasing and OtherAnnual report
「In Banking, segment profit increased by ¥1,083 million from the previous fiscal year to ¥7,604 million, as the reduction in ordinary expenses, mainly from lower losses on sales of government bonds and other securities, exceeded the decline in ordinary income. In Leasing, segment profit increased by ¥154 million to ¥343 million, as the increase in ordinary income exceeded the rise in ordinary expenses resulting mainly from higher installment sales costs.」
Banking reported lower revenue and higher profit, Leasing higher revenue and profit, and Other also higher revenue and profit, resulting in higher profit across all segments. - FY2024-Q3RestatedAnnual report
「In Banking, ordinary income decreased by ¥4,307 million from the same period of the previous fiscal year to ¥45,002 million, mainly due to lower gains on sales of government bonds and other securities and lower interest and dividend income on securities. Segment profit decreased by ¥522 million to ¥5,852 million, as the decline in ordinary income exceeded the reduction in ordinary expenses resulting mainly from lower losses on sales of government bonds and other securities. In Leasing, ordinary income increased by ¥231 million to ¥6,716 million, mainly due to higher installment sales income. Segment profit increased by ¥101 million to ¥230 million, as the increase in ordinary income exceeded the rise in ordinary expenses resulting mainly from higher installment sales costs. In Other, excluding Banking and Leasing, ordinary income increased by ¥108 million to ¥2,646 million, mainly due to higher other ordinary income. Segment profit increased by ¥39 million to ¥735 million, reflecting higher ordinary income.」
Banking reported lower revenue and profit, while Leasing and Other reported higher revenue and profit, continuing the divergence in performance by business segment seen through the previous quarter. - FY2024-Q2Banking: lower profit; Leasing and Other: higher profitAnnual report
「In Banking, ordinary income decreased by ¥1,057 million from the same period of the previous fiscal year to ¥31,781 million, mainly due to lower gains on sales of government bonds and other securities. Segment profit decreased by ¥225 million to ¥3,747 million, as the decline in ordinary income exceeded the reduction in ordinary expenses resulting mainly from lower losses on sales of government bonds and other securities. In Leasing, ordinary income increased by ¥179 million to ¥4,470 million, mainly due to higher installment sales income. Segment profit increased by ¥126 million to ¥168 million.」
Banking reported lower revenue and profit, while the Leasing and Other segments reported higher revenue and profit, resulting in divergent performance trends across business segments. - FY2024-Q1Banking: lower profit; Leasing and Other: higher profitAnnual report
「In the Group's core Banking segment, ordinary income increased by ¥1,502 million from the same period of the previous fiscal year to ¥16,501 million, mainly due to higher gains on sales of stocks and other securities. Segment profit decreased by ¥495 million to ¥2,669 million, as the increase in ordinary expenses, mainly from higher costs for financial derivatives, outweighed the increase in ordinary income. In Leasing, ordinary income increased by ¥92 million to ¥2,257 million, mainly due to higher installment sales income. Segment profit increased by ¥116 million to ¥124 million, as ordinary expenses decreased, mainly due to lower provisions for loan losses, in addition to the increase in ordinary income. In Other, excluding Banking and Leasing, ordinary income increased by ¥76 million to ¥907 million, mainly due to higher other ordinary income. Segment profit increased by ¥71 million to ¥249 million, reflecting higher ordinary income.」
Banking reported higher revenue and lower profit, while Leasing and Other reported higher revenue and profit, resulting in divergent performance trends across business segments. - FY2023RestatedAnnual report
「The Bank and its affiliates, collectively referred to as the Bank Group, consist of the Bank and 7 consolidated subsidiaries. The Group's businesses center on banking and include financial services such as leasing and credit card operations.」
The Group structure centered on banking, with leasing, cards, guarantees, computer-related businesses and other operations, has been maintained. - FY2023-Q3RestatedAnnual report
「In Banking, ordinary income increased by ¥16,395 million from the same period of the previous fiscal year to ¥49,309 million, mainly due to higher interest and dividend income on securities, gains on sales of government bonds and other securities, and reversal gains on loan-loss allowances. Segment profit decreased by ¥38 million to ¥6,375 million, as the increase in ordinary expenses, mainly from higher losses on sales of government bonds and other securities, exceeded the increase in ordinary income.」
Banking and Leasing reported higher revenue and lower profit, while Other reported higher revenue and profit, continuing the divergence in performance trends by business segment from the previous quarter. - FY2023-Q2RestatedAnnual report
「In Banking, ordinary income increased by ¥9,917 million from the same period of the previous fiscal year to ¥32,838 million, mainly due to higher interest and dividend income on securities and higher gains on sales of government bonds and other securities and stocks and other securities. Segment profit decreased by ¥155 million to ¥3,972 million, as the increase in ordinary expenses, mainly from higher losses on sales of government bonds and other securities, exceeded the increase in ordinary income. In Leasing, ordinary income increased by ¥177 million to ¥4,290 million, mainly due to higher lease sales. Segment profit decreased by ¥100 million to ¥42 million, as the increase in ordinary expenses, mainly from higher lease cost of sales, exceeded the increase in ordinary income.」
All business segments, Banking, Leasing and Other, reported higher revenue, while segment profit declined due to higher ordinary expenses. The performance pattern of higher revenue and lower profit across all business segments continued from the previous quarter. - FY2023-Q1Higher revenue and lower profit across all business segmentsAnnual report
「In Banking, ordinary income increased by ¥2,298 million from the same period of the previous fiscal year to ¥14,999 million, mainly due to higher interest and dividend income on securities. Segment profit decreased by ¥364 million to ¥3,164 million, as the increase in ordinary expenses, mainly from higher losses on sales of government bonds and other securities, outweighed the increase in ordinary income. In Leasing, ordinary income increased by ¥129 million to ¥2,164 million, mainly due to higher lease sales. Segment profit decreased by ¥49 million to ¥8 million, as the increase in ordinary expenses, mainly from higher lease cost of sales, outweighed the increase in ordinary income.」
Banking and Leasing both reported higher revenue, but segment profit declined due to higher ordinary expenses. Other also reported higher revenue and lower profit, resulting in higher revenue and lower profit across all business segments. - FY2022-Q3Banking: higher profit; Leasing: lower profit; Other: higher profit; divergent revenue trendsAnnual report
「In the Group's core Banking segment, ordinary income decreased by ¥2,863 million from the same period of the previous fiscal year to ¥33,193 million, as higher gains on sales of government bonds and other securities were more than offset by lower gains on sales of stocks and other securities and lower interest and dividend income on securities. Segment profit increased by ¥1,192 million to ¥6,413 million, as the reduction in ordinary expenses, mainly from lower provisions for loan losses, exceeded the decline in ordinary income. In Leasing, ordinary income increased by ¥50 million to ¥6,241 million, mainly due to higher lease sales, despite lower income from lease cancellation penalties. Segment profit decreased by ¥80 million to ¥181 million, due to higher ordinary expenses, mainly from higher lease cost of sales. In Other, excluding Banking and Leasing, ordinary income increased by ¥131 million to ¥2,367 million, mainly due to higher other operating income and funds investment income. Segment profit increased by ¥46 million to ¥630 million, reflecting higher ordinary income.」
Banking reported lower revenue and higher profit, Leasing higher revenue and lower profit, and Other higher revenue and profit. Performance trends remained divergent by business segment, while the revenue trends for Banking and Leasing changed. - FY2022-Q2Banking: higher profit; Leasing: lower profit; Other: higher profitAnnual report
「In Banking, ordinary income decreased by ¥487 million from the same period of the previous fiscal year to ¥23,200 million, as higher reversal gains on loan-loss allowances were more than offset by lower gains on sales of stocks and other securities. Segment profit increased by ¥2,218 million to ¥4,128 million, as the reduction in ordinary expenses, mainly from lower provisions for loan losses, exceeded the decline in ordinary income.」
Banking reported lower revenue but higher segment profit. Leasing reported lower revenue and profit, while Other reported higher revenue and profit, resulting in divergent performance trends across business segments. - FY2022-Q1Banking: higher profit; Leasing: lower profit; Other: higher profitAnnual report
「In Banking, ordinary income decreased by ¥84 million from the same period of the previous fiscal year to ¥12,980 million, as higher gains on sales of government bonds and other securities were more than offset by lower gains on sales of stocks and other securities. Segment profit increased by ¥865 million to ¥3,529 million, as lower ordinary expenses, including lower operating expenses, provision for loan losses and losses on sales of stocks and other securities, outweighed the decline in ordinary income. In Leasing, ordinary income decreased by ¥45 million to ¥2,034 million, mainly due to lower installment sales income. Segment profit decreased by ¥16 million to ¥58 million, as the decline in ordinary income outweighed the reduction in ordinary expenses resulting mainly from lower installment sales costs. In Other, excluding Banking and Leasing, ordinary income increased by ¥55 million to ¥762 million, mainly due to higher other operating income. Segment profit increased by ¥34 million to ¥185 million, reflecting higher ordinary income.」
Banking reported lower revenue but higher profit due to lower ordinary expenses, while Leasing reported lower revenue and profit and Other reported higher revenue and profit, resulting in divergent performance trends across business segments. - FY2021Banking and Leasing: lower profit; Other: higher profitAnnual report
「In Banking, ordinary income decreased by ¥3,061 million from the previous fiscal year to ¥47,369 million, mainly due to lower interest and dividend income on securities. Segment profit decreased by ¥2,630 million to ¥5,578 million, as the decline in ordinary income outweighed the reduction in ordinary expenses resulting mainly from lower costs for financial derivatives and lower impairment losses on stocks and other securities. In Leasing, ordinary income decreased by ¥46 million to ¥8,241 million, mainly due to lower lease sales. Segment profit decreased by ¥27 million to ¥351 million, as the decline in ordinary income outweighed the reduction in ordinary expenses resulting mainly from lower lease cost of sales. In Other, excluding Banking and Leasing, ordinary income increased by ¥6 million to ¥3,023 million, mainly due to higher fees and commissions. Segment profit increased by ¥94 million to ¥848 million, mainly due to lower other ordinary expenses.」
Banking and Leasing reported lower revenue and profit, while the Other segment reported higher revenue and profit, resulting in divergent performance trends across business segments. - FY2021-Q3Banking and Other: higher profit; Leasing: lower profitAnnual report
「In the Group's core Banking segment, ordinary income increased by ¥2,608 million from the same period of the previous fiscal year to ¥36,057 million, primarily due to an increase in gains on sales of stocks and other securities. Segment profit increased by ¥134 million to ¥5,220 million, as the increase in ordinary income outweighed the rise in ordinary expenses resulting mainly from higher losses on sales of government bonds and other securities. In the Leasing segment, ordinary income decreased by ¥37 million from the same period of the previous fiscal year to ¥6,191 million, mainly due to lower lease sales. Segment profit decreased by ¥20 million to ¥261 million, as the decline in ordinary income outweighed the reduction in ordinary expenses resulting mainly from lower lease cost of sales. In Other, excluding Banking and Leasing, ordinary income increased by ¥5 million to ¥2,235 million, mainly due to higher fees and commissions. Segment profit increased by ¥78 million to ¥584 million, reflecting lower ordinary expenses.」
Banking reported higher revenue and profit, Leasing lower revenue and profit, and Other higher revenue and profit, resulting in divergent performance trends across business segments. - FY2021-Q1Lower profit in banking and leasing, higher profit in other businessesAnnual report
「In banking, the core business of our group, ordinary revenue increased by ¥1,511 million year on year to ¥13,065 million due to higher gains on sales of shares and other securities. Segment profit decreased by ¥262 million to ¥2,663 million, as the increase in ordinary expenses due to higher losses on sales of Japanese government bonds and other bonds and higher losses on sales of shares and other securities exceeded the increase in ordinary revenue. In leasing, ordinary revenue decreased by ¥1 million to ¥2,080 million due to lower reversal gains on allowance for doubtful accounts. Segment profit decreased by ¥60 million to ¥74 million, as ordinary expenses increased due to higher installment costs and other factors, in addition to the decline in ordinary revenue. In Other, excluding banking and leasing, ordinary revenue decreased by ¥41 million to ¥706 million due to lower other operating revenue. Segment profit increased by ¥10 million to ¥151 million due to lower operating expenses.」
Banking recorded higher revenue but lower profit, leasing recorded lower revenue and lower profit, and Other recorded lower revenue but higher profit, resulting in divergent performance trends by business segment. - FY2020Higher profit in banking and lower profit in leasing and other businessesAnnual report
「In banking, the core business of our group, ordinary revenue decreased by ¥1,148 million year on year to ¥50,431 million due mainly to lower reversal gains on allowance for doubtful accounts. Segment profit increased by ¥1,677 million to ¥8,208 million, as ordinary expenses decreased due mainly to lower losses on sales of Japanese government bonds and other bonds, despite the decline in ordinary revenue.」
Banking recorded lower revenue but higher segment profit, while both ordinary revenue and segment profit declined in leasing and other businesses. - FY2020-Q3RestatedAnnual report
「In banking, ordinary revenue decreased by ¥6,983 million year on year to ¥33,448 million due to lower interest and dividend income on securities, reversal gains on allowance for doubtful accounts and gains on sales of shares and other securities. Segment profit decreased by ¥3,050 million to ¥5,086 million because ordinary revenue declined, despite lower ordinary expenses due to reduced losses on sales of Japanese government bonds and other bonds.」
Ordinary revenue and segment profit declined year on year in each of the banking, leasing and other business segments, and the overall decline in revenue and profit that began in the previous quarter continued. - FY2020-Q2Lower revenue and profit across all business segmentsAnnual report
「In banking, ordinary revenue decreased by ¥5,826 million year on year to ¥21,749 million due to lower reversal gains on allowance for doubtful accounts. Segment profit decreased by ¥2,401 million to ¥2,939 million because ordinary revenue declined, despite lower ordinary expenses due to reduced losses on sales of Japanese government bonds and other bonds. In leasing, ordinary revenue decreased by ¥422 million to ¥4,142 million due to lower installment income. Segment profit decreased by ¥59 million to ¥211 million because ordinary revenue declined, despite lower ordinary expenses due to reduced installment costs. In Other, excluding banking and leasing, ordinary revenue decreased by ¥89 million to ¥1,489 million due to lower reversal gains on allowance for doubtful accounts. Segment profit decreased by ¥68 million to ¥340 million due to the decline in ordinary revenue.」
Ordinary revenue and segment profit declined year on year in banking, leasing and other businesses, resulting in an overall decline in revenue and profit, compared with the divergence in performance by business seen in the previous fiscal year. - FY2020-Q1Lower profit across banking, leasing and other businessesAnnual report
「In banking, the core business of our group, ordinary revenue decreased by ¥4,491 million year on year to ¥11,553 million, due to decreases in interest and dividend income on securities and reversal gains on allowance for doubtful accounts. Segment profit decreased by ¥495 million to ¥2,926 million because ordinary revenue declined, despite a decrease in ordinary expenses due mainly to lower losses on sales of Japanese government bonds and other bonds. In leasing, ordinary revenue decreased by ¥109 million to ¥2,081 million due to lower leasing sales. Segment profit also decreased by ¥10 million to ¥135 million due to the decline in ordinary revenue. In Other, excluding banking and leasing, ordinary revenue decreased by ¥176 million to ¥748 million due to lower reversal gains on allowance for doubtful accounts and other factors. Segment profit also decreased by ¥154 million to ¥140 million due to the decline in ordinary revenue.」
Ordinary revenue and segment profit declined year on year in banking, leasing and other businesses, shifting from the previous divergence in performance by business to an overall decline in profit. - FY2019Lower profit in banking and higher profit in leasing continued, while other businesses also recorded higher profitAnnual report
「In banking, ordinary revenue increased by ¥884 million year on year to ¥51,579 million, due mainly to an increase in reversal gains on allowance for doubtful accounts. Segment profit decreased by ¥1,843 million to ¥6,530 million, as ordinary expenses increased due to higher losses on sales of Japanese government bonds and other bonds, among other factors, despite the increase in ordinary revenue. In leasing, ordinary revenue decreased by ¥93 million to ¥8,830 million, due mainly to lower leasing sales. Segment profit increased by ¥199 million to ¥444 million, as ordinary expenses decreased due mainly to lower cost of leasing sales, despite the decline in ordinary revenue.」
Banking recorded higher revenue but lower profit, while leasing recorded lower revenue but higher profit, confirming for the full year the divergence in performance by business that had continued from the previous fiscal year. The Other segment recorded increases in both revenue and profit. - FY2019-Q3Continued lower profit in banking and higher profit in leasingAnnual report
「In banking, the core business of our group, ordinary revenue increased by ¥2,943 million year on year to ¥40,432 million, due to increases in interest and dividend income on securities and gains on sales of shares and other securities. Segment profit decreased by ¥1,430 million to ¥8,136 million, as ordinary expenses increased due to higher losses on sales of Japanese government bonds and other bonds, despite the increase in ordinary revenue. In leasing, ordinary revenue decreased by ¥6 million to ¥6,744 million, due to lower leasing sales. Segment profit increased by ¥210 million to ¥394 million, as ordinary expenses decreased due to lower cost of sales and other factors, despite the decline in ordinary revenue.」
Banking recorded higher revenue but lower profit, while leasing recorded lower revenue but higher profit, and the divergence in performance by business through the previous quarter continued in the cumulative third quarter. - FY2019-Q2Continued lower profit in banking and higher profit in leasingAnnual report
「In banking, ordinary revenue increased by ¥738 million year on year to ¥27,576 million, due to higher gains on sales of shares and other securities. Segment profit decreased by ¥2,897 million to ¥5,340 million, as ordinary expenses increased due to higher losses on sales of Japanese government bonds and other bonds, despite the increase in ordinary revenue. In leasing, ordinary revenue decreased by ¥19 million to ¥4,564 million, due to lower leasing sales. Segment profit increased by ¥148 million to ¥270 million, as ordinary expenses decreased due to lower cost of sales and other factors, despite the decline in ordinary revenue.」
Banking recorded higher revenue but lower profit, while leasing recorded lower revenue but higher profit, and the divergence in performance trends by business continued in the interim period. - FY2019-Q1Shift to lower profit in banking and higher profit in leasingAnnual report
「In banking, ordinary revenue increased by ¥1,770 million year on year to ¥16,045 million, due to increases in interest and dividend income on securities and gains on sales of shares and other securities. Segment profit decreased by ¥1,624 million to ¥3,421 million, as ordinary expenses increased due to higher losses on sales of Japanese government bonds and other bonds, despite the increase in ordinary revenue. In leasing, ordinary revenue decreased by ¥137 million to ¥2,191 million, due to lower leasing sales. Segment profit increased by ¥90 million to ¥146 million, as ordinary expenses decreased due to lower cost of sales and other factors, despite the decline in ordinary revenue.」
Banking recorded higher revenue but lower profit because of increased losses on sales of Japanese government bonds and other bonds. Leasing, meanwhile, recorded lower revenue but higher profit because of lower expenses, changing the performance trend by business. - FY2018Lower profit in both banking and leasing for the full yearAnnual report
「In banking, ordinary revenue increased by ¥1,825 million year on year to ¥50,695 million, due to higher gains on sales of shares and other securities. Segment profit decreased by ¥670 million to ¥8,374 million, as ordinary expenses increased due to higher losses on sales of Japanese government bonds and other bonds, despite the increase in ordinary revenue. In leasing, ordinary revenue increased by ¥181 million to ¥8,924 million, due to higher installment sales and other factors. Segment profit decreased by ¥119 million to ¥244 million, as ordinary expenses increased due to higher installment sales costs and other factors, despite the increase in ordinary revenue.」
Ordinary revenue increased in both banking and leasing, while segment profit decreased in both. - FY2018-Q3RestatedAnnual report
「Ordinary revenue in the Banking segment increased by ¥425 million year on year to ¥37,488 million. Ordinary revenue in the Leasing segment increased by ¥167 million to ¥6,751 million. Segment profit in the Banking segment increased by ¥1,493 million to ¥9,567 million. Segment profit in the Leasing segment decreased by ¥159 million to ¥184 million.」
Banking recorded increases in both ordinary revenue and segment profit, while leasing recorded higher ordinary revenue but lower segment profit, and the divergence in performance by business continued. - FY2018-Q2Continued divergence, with higher profit in banking and lower profit in leasingAnnual report
「Ordinary revenue in the Banking segment increased by ¥2,279 million year on year to ¥26,838 million. Ordinary revenue in the Leasing segment increased by ¥151 million to ¥4,583 million. Segment profit in the Banking segment increased by ¥2,185 million to ¥8,237 million. Segment profit in the Leasing segment decreased by ¥131 million to ¥122 million.」
Banking recorded year-on-year increases in both ordinary revenue and segment profit, while leasing recorded higher ordinary revenue but lower segment profit, and the divergence in performance by business continued. - FY2018-Q1Divergence in performance trends between banking and leasingAnnual report
「Ordinary revenue in the Banking segment increased by ¥238 million year on year to ¥14,275 million. Ordinary revenue in the Leasing segment increased by ¥85 million to ¥2,328 million. Segment profit in the Banking segment increased by ¥190 million to ¥5,045 million. Segment profit in the Leasing segment decreased by ¥102 million to ¥56 million.」
Banking recorded increases in both ordinary revenue and segment profit, while leasing recorded higher ordinary revenue but lower segment profit, resulting in divergent performance by business. - FY2017-Q3RestatedAnnual report
「There were no material changes in the businesses operated by our bank and its affiliates during the cumulative third quarter. On 1 April 2016, Daigin Accounting Service Co., Ltd. ceased to exist following an absorption-type merger in which Daigin Office Service Co., Ltd. (renamed from Daigin Staff Service Co., Ltd.) was the surviving company. As a result, the number of our consolidated subsidiaries became 8.」
There were no material changes in the business activities, and the status of 8 consolidated subsidiaries following the 1 April 2016 absorption-type merger is reiterated. - FY2017-Q1Decrease in Consolidated SubsidiariesAnnual report
「There were no material changes in the businesses operated by our bank and its affiliates during the cumulative first quarter. On 1 April 2016, Daigin Accounting Service Co., Ltd. ceased to exist following an absorption-type merger in which Daigin Office Service Co., Ltd. (renamed from Daigin Staff Service Co., Ltd.) was the surviving company. As a result, the number of our consolidated subsidiaries became 8.」
There were no material changes in the business activities, while the number of consolidated subsidiaries declined from 9 to 8 following the absorption-type merger. - FY2016First statedAnnual report
「Our group comprises our bank and 9 consolidated subsidiaries and operates businesses centered on banking, including leasing, credit cards and other financial services.」
The group operates banking as its core business, along with leasing, credit cards, debt guarantees, computer-related services and other businesses.