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 due to higher interest on loans, dividends on securities, and sales in the leasing business, among other factors. Ordinary expenses increased due to higher interest on deposits and operating expenses, among other factors. For the next fiscal year, net interest income, including the lending-deposit spread and interest and dividends on securities, is expected to increase.
No applicable matters.
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | ¥80,322 million (YoY +16.1%) |
| Ordinary income | ¥13,060 million (YoY +56.8%) |
| Profit attributable to owners of the parent | ¥9,084 million (YoY +58.0%) |
| Net income per share | ¥221.50 |
| Equity ratio | End of the current fiscal period 4.7 / End of previous period 4.7 |
| Total assets | ¥3,108,258 million |
| Net assets | ¥145,524 million |
| Cash flows from operating activities | ¥21,722 million |
| Cash flows from investing activities | ¥-29,330 million |
| Cash flows from financing activities | ¥-2,581 million |
| Cash and cash equivalents at end of period | ¥160,634 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥14,900 million (YoY +14.1%) / Net income ¥10,000 million (YoY +10.1%) |
| Annual Dividend Forecast | ¥88 → ¥98（+11.4%） |
| Payout ratio | 39.7 |
| Segment revenue | Banking ¥54,192 million, Leasing ¥19,527 million, Credit card business ¥3,177 million, Credit guarantees ¥421 million, IT Business ¥2,997 million, Other ¥6 million |
| Segment profit | Banking ¥11,792 million, Leasing ¥784 million, Credit card business ¥710 million, Credit guarantees ¥389 million, IT Business ¥81 million, Other ¥4 million |
| Depreciation and amortization | ¥3,535 million |
| Impairment loss | ¥15 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Losses on disposal of fixed assets ¥95 million, Impairment Losses ¥15 million |
| 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 / Excluded 0 / Company name None |
| Material subsequent events | None |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (a video presentation of the financial results is scheduled to be posted on the Bank's website) |
| Issued Shares at Period-End | 43,108,470 |
| Treasury Shares at Period-End | 2,102,176 |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to higher interest on loans, dividends on securities, and sales in the leasing business, among other factors. Ordinary expenses increased due to higher interest on deposits and operating expenses, among other factors. For the next fiscal year, net interest income, including the lending-deposit spread and interest and dividends on securities, is expected to increase. |
Items this document does not state (6)
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 due to higher interest on loans, dividends on securities, and sales in the leasing business, among other factors, while interest on deposits and operating expenses also increased. For the next fiscal year, profit is expected to increase as net interest income, including the lending-deposit spread and interest and dividends on securities, is expected to rise.