Diversification of Revenue Sources and Expansion of Business Scope
First written in FY2016. 13 of 29 entries say "Advanced", first in FY2017-Q2. Latest entry: 2026-08-14.
88 other companies' latest entry also says "Advanced".
- 2026-08-14AdvancedEarnings
「Consulting business profit 93 328 235」
Consulting business profit increased from ¥93 million in the same period of the previous year to ¥328 million. Cashless business profit also increased from ¥246 million to ¥253 million. - FY2026AdvancedAnnual report
「As a result, profit increased substantially through various initiatives, and customer service profit was ¥5.546 billion, ¥968 million above the previous fiscal year.」
Initiatives including consulting and cashless services increased customer service profit by ¥968 million year on year. - FY2024AdvancedAnnual report
「Our individual and corporate consulting businesses, which we have positioned as priority businesses, and our cashless business performed strongly and generated steady results.」
The company stated that it was promoting individual and corporate consulting and the cashless business as priority businesses to diversify revenue sources, with results emerging. - FY2024-Q3AdvancedAnnual report
「⑤ IT business Ordinary revenue increased by ¥2.538 billion year on year to ¥2.814 billion, and segment profit increased by ¥75 million year on year to ¥80 million.」
Cumulative third-quarter ordinary revenue from the IT business was ¥2.814 billion, and segment profit was ¥80 million, with both revenue and profit increasing from the same period of the previous year. - FY2024-Q2AdvancedAnnual report
「⑤ IT business Ordinary revenue was ¥1.691 billion, and segment loss was ¥1 million.」
Ordinary revenue from the IT business increased from ¥913 million in the first quarter to ¥1.691 billion for the cumulative interim period, demonstrating progress in diversifying revenue sources. Segment loss was ¥1 million. - FY2024-Q1Expansion of IT business revenueAnnual report
「⑤ IT business Ordinary revenue was ¥913 million, and segment loss was ¥11 million.」
The IT business recorded ¥913 million in ordinary revenue in the first quarter, demonstrating its contribution as a new revenue source alongside the traditional banking and leasing businesses. Segment loss was ¥11 million. - FY2023-Q3AdvancedAnnual report
「Ordinary revenue increased by ¥910 million year on year to ¥43.540 billion, despite a decline in leasing revenue, owing mainly to increases in fees and commissions, including card business fees, and interest and dividend income on securities.」
The decline in leasing revenue was offset by increases in fees and commissions, including card business fees, and interest and dividend income on securities, updating the composition of revenue sources. The newly established IT business also recorded ¥297 million in ordinary revenue. - FY2023-Q1Updated revenue composition for the first quarterAnnual report
「Ordinary revenue declined by ¥497 million year on year to ¥13.866 billion, despite increases in card business fees and corporate-related fee income, owing to declines in leasing revenue and interest on loans.」
While card business fees and corporate-related fee income increased, ordinary revenue declined by ¥497 million year on year owing to decreases in leasing revenue and interest on loans. - FY2022AdvancedAnnual report
「As a result, customer service profit was ¥5.097 billion, ¥1.262 billion above the previous fiscal year.」
Customer service profit reached ¥5.097 billion, demonstrating the expansion of customer-related revenue, including non-interest revenue. - FY2022-Q3Update to third-quarter revenue mixAnnual report
「Ordinary revenue declined by ¥138 million year on year to ¥42.629 billion, despite increases in fee income related to housing loans, card business fees and entrusted-asset sales fees, owing mainly to a decline in leasing revenue.」
While housing-loan-related fees, card business fees and entrusted-asset sales fees increased, ordinary revenue declined by ¥138 million year on year owing mainly to lower leasing revenue. - FY2022-Q2Interim revenue composition updateAnnual report
「Ordinary revenue for the cumulative second quarter declined by ¥172 million year on year to ¥28.864 billion. Although general provision for loan losses shifted from an expense to a reversal as businesses that had kept principal payments unchanged in the previous fiscal year resumed repayments, and fee income related to housing loans, card business fees and entrusted-asset sales fees increased, gains on sales of government bonds and other bonds and leasing revenue declined.」
While housing-loan-related fees, card business fees and entrusted-asset sales fees increased, ordinary revenue declined by ¥172 million year on year owing to decreases in gains on sales of bonds and leasing revenue. - FY2022-Q1Updated revenue composition for the first quarterAnnual report
「Ordinary revenue declined by ¥547 million year on year to ¥14.363 billion, despite increases in entrusted-asset sales fees and fee income related to housing loans, owing to declines in gains on sales of government bonds and other bonds and leasing revenue.」
While entrusted-asset sales fees and housing-loan-related fees increased, ordinary revenue declined by ¥547 million year on year owing to decreases in gains on sales of bonds and leasing revenue. - FY2021AdvancedAnnual report
「As a result, customer service profit was ¥3.835 billion, ¥216 million above the previous fiscal year.」
Customer service profit increased by ¥216 million year on year, demonstrating the results of diversifying revenue sources, including non-interest revenue. - FY2021-Q3Updated revenue composition for the third quarterAnnual report
「Ordinary revenue for the cumulative third quarter declined by ¥3.707 billion year on year to ¥42.768 billion, despite an increase in fee income related to housing loans, owing mainly to declines in gains on sales of government bonds and other bonds and revenue from financial derivatives.」
While fee income related to housing loans increased, ordinary revenue declined by ¥3.707 billion year on year owing mainly to decreases in gains on sales of government bonds and other bonds and revenue from financial derivatives. - FY2021-Q2Interim revenue composition updateAnnual report
「During the interim consolidated period, ordinary revenue from external customers consisted of ¥13.307 billion from lending, ¥1.228 billion from securities investment, ¥8.678 billion from leasing and ¥5.821 billion from other businesses.」
During the interim period, ordinary revenue from external customers was generated across lending, securities investment, leasing and other businesses. Revenue from securities investment declined from ¥3.179 billion in the same period of the previous year to ¥1.228 billion, while leasing revenue increased from ¥8.212 billion to ¥8.678 billion. - FY2021-Q1Updated revenue composition for the first quarterAnnual report
「Ordinary revenue declined by ¥1.967 billion year on year to ¥14.911 billion, despite increases in leasing fee income and interest on loans, owing mainly to declines in gains on sales of government bonds and other bonds and revenue from financial derivatives.」
While leasing fee income and interest on loans increased, ordinary revenue declined by ¥1.967 billion year on year owing mainly to decreases in gains on sales of government bonds and other bonds and revenue from financial derivatives. - FY2020-Q3Updated revenue composition for the third quarterAnnual report
「Ordinary revenue for the cumulative third quarter increased by ¥1.074 billion year on year to ¥46.476 billion, despite declines in interest and dividend income on securities and foreign exchange trading gains, owing mainly to increases in gains on sales of government bonds and other bonds, revenue from financial derivatives, and fees and commissions.」
The declines in interest and dividend income on securities and other items were offset by increases in gains on sales of government bonds and other bonds, revenue from financial derivatives, and fees and commissions, resulting in a ¥1.074 billion year-on-year increase in ordinary revenue. - FY2020-Q2Interim revenue composition updateAnnual report
「Ordinary revenue from external customers 13,329 3,179 8,212 7,009 31,730」
During the interim period, ordinary revenue from external customers consisted of ¥13.329 billion from lending, ¥3.179 billion from securities investment, ¥8.212 billion from leasing and ¥7.009 billion from other businesses. - FY2020-Q1Updated revenue composition for the first quarterAnnual report
「Ordinary revenue increased by ¥1.695 billion year on year to ¥16.878 billion, despite declines in foreign exchange trading gains and interest and dividend income on securities, owing mainly to increases in gains on sales of government bonds and other bonds and revenue from financial derivatives.」
While foreign exchange trading gains and interest and dividend income on securities declined, ordinary revenue increased by ¥1.695 billion year on year owing to increases in gains on sales of government bonds and other bonds and revenue from financial derivatives. - FY2019Updated full-year revenue composition and diversification of investmentsAnnual report
「As a result, customer service profit was ¥96 million below the previous fiscal year owing to higher operating expenses, mainly system investments to improve operational efficiency and expand services, while the combined total of the lending-deposit spread and fee income was ¥284 million higher than in the previous fiscal year.」
While customer service profit declined, the combined total of the lending-deposit spread and fee income increased by ¥284 million year on year. The company also stated that it was diversifying investments through investment trusts, shares and foreign bonds. - FY2019-Q2Interim revenue composition updateAnnual report
「Ordinary revenue from external customers 13,072 1,884 8,048 7,139 30,145」
During the interim period, ordinary revenue from external customers consisted of ¥13.072 billion from lending, ¥1.884 billion from securities investment, ¥8.048 billion from leasing and ¥7.139 billion from other businesses. - FY2019-Q1Updated revenue composition for the first quarterAnnual report
「Ordinary revenue declined by ¥845 million year on year to ¥15.182 billion, despite increases in foreign exchange trading gains and recoveries of written-off receivables, owing mainly to a decline in gains on sales of shares and other securities.」
Despite increases in foreign exchange trading gains and recoveries of written-off receivables, ordinary revenue declined by ¥845 million year on year owing mainly to a decrease in gains on sales of shares and other securities. - FY2018AdvancedAnnual report
「Customer service profit, centered on the branch network, had continued to decline since the Bank of Japan introduced its negative interest rate policy, but increased by ¥70 million from the previous consolidated fiscal year owing to higher fee income from corporate fee-based businesses, card-related businesses such as card merchant services and debit card issuance, and sales of entrusted assets such as corporate insurance and investment trusts.」
Multiple non-interest revenue initiatives, including corporate fee-based businesses, card-related businesses, and insurance and investment trust sales, increased customer service profit by ¥70 million year on year. - FY2018-Q3AdvancedAnnual report
「Ordinary revenue for the cumulative third quarter increased by ¥654 million year on year to ¥46.838 billion, despite a decline in interest on loans, owing mainly to higher other operating income accompanying increased leasing sales and higher fees and commissions.」
The decline in interest on loans was offset by higher other operating income associated with increased leasing sales and higher fees and commissions, resulting in a ¥654 million year-on-year increase in ordinary revenue. - FY2018-Q2AdvancedAnnual report
「Ordinary revenue for the cumulative second quarter increased by ¥1.177 billion year on year to ¥31.128 billion, despite a decline in interest on loans, owing mainly to higher gains on sales of shares and other securities and higher other operating income accompanying increased leasing sales.」
The decline in interest on loans was offset by gains on sales of shares and other securities and revenue associated with higher leasing sales, resulting in a ¥1.177 billion year-on-year increase in ordinary revenue. - FY2017ReframedAnnual report
「Under “Customer Centric 2017,” we set “realizing a customer-focused revenue model” as a management goal for providing products and services that customers genuinely need. We will work on the “corporate business strategy,” “individual business strategy,” “channel and marketing reform,” “branch operations reform” and “human resources development reform” to build a business model that addresses the challenges facing the bank.」
The previous plan, including the expansion of revenue sources and business areas, was restructured into a new plan centered on a customer-focused revenue model and 5 reforms. - FY2017-Q3AdvancedAnnual report
「Loans remained strong, led by housing loans and apartment loans, reaching ¥1.486325 trillion, ¥39.348 billion higher than at the end of the previous consolidated fiscal year.」
Loans, led by housing and apartment loans, increased by ¥39.348 billion from the end of the previous consolidated fiscal year, indicating quantitative progress in expanding the product offering and customer base. - FY2017-Q2AdvancedAnnual report
「Under our individual business strategy, the eligible area for Ryugin reverse mortgage “Yuyu Jinsei 60” had previously been limited to Naha and Urasoe, but we expanded it to the entire prefecture in response to requests from many customers. We also sought to enhance products addressing customers' diverse needs, including launching the no-branch-visit card loan “Okinawa Daisuki,” primarily for customers living outside the prefecture, and the new apartment loan “Okinawa Daisuki Yume” for construction, purchase, renovation and other funding needs relating to rental properties in Okinawa Prefecture.」
The eligible area for the reverse mortgage was expanded to the entire prefecture, and a card loan for residents outside the prefecture and a new apartment loan were launched. - FY2016First statedAnnual report
「In addition to strengthening the businesses we have developed to date, we will expand the scope of our business by entering new businesses and targeting customer segments different from those we have traditionally served.」
The company plans to broaden its revenue sources by strengthening existing businesses, entering new businesses and expanding into customer segments different from those it has traditionally served.