Komori
Bank of The Ryukyus,Limited (8399) · FactUpdated to the full-year segment results

Increase in Segment Revenue and Profit from Banking and Leasing

First written in FY2018-Q2. . Latest entry: FY2026.

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How it moved
ProgressHeldSoftenedWorseOtherFY2018-Q2 – FY20262017: 12018: 420182019: 420192020: 320202021: 420212022: 320222023: 320232024: 320242025: 120252026: 12026
Same theme, other companies
Performance Trends in Financial Services Such as Leasing and Credit GuaranteesA theme 24 companies write about · 10 as a headwind · 14 as a tailwind

The whole theme swung hardest in 2024: 3 of 20 companies on the "Worse" side.

6 other companies' latest entry also says "Other".

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.
Showing 14 of the 24 companies compared. The sentences above are computed from all 24.
Full recordFilings, disclosures and news, newest first
  1. FY2026Updated to the full-year segment resultsAnnual report

    「① Banking business Recurring revenue was ¥55.345 billion, up ¥10.271 billion from the previous consolidated fiscal year, while segment profit was ¥11.792 billion, up ¥4.827 billion. ② Leasing business Recurring revenue was ¥19.706 billion, up ¥1.025 billion from the previous consolidated fiscal year, while segment profit was ¥784 million, up ¥228 million.」

    For the full year, recurring revenue and segment profit both increased in the banking and leasing businesses. The IT business recorded recurring revenue of ¥3.716 billion and segment profit of ¥81 million.
  2. FY2026-H1Updated with interim segment resultsAnnual report

    「① Banking business Recurring revenue was ¥27.138 billion, up ¥4.519 billion year on year, while segment profit was ¥6.566 billion, up ¥2.179 billion. ⑤ IT business Recurring revenue was ¥1.633 billion, down ¥102 million year on year, while segment profit (loss) was a loss of ¥31 million, down ¥119 million year on year. This was due to a temporary decline in sales and deterioration in the cost ratio, and full-year segment profit is expected to be positive.」

    Revenue and profit both increased in the banking business, while the IT business recorded a segment loss of ¥31 million due to lower sales and a deterioration in the cost ratio. The company states that it expects to be profitable for the full year.
  3. FY2025-H1Updated with interim segment resultsAnnual report

    「① Banking business Recurring revenue was ¥22.619 billion, up ¥139 million year on year, while segment profit was ¥4.387 billion, down ¥173 million. ② Leasing business Recurring revenue was ¥9.206 billion, up ¥837 million year on year, while segment profit was ¥281 million, down ¥63 million. ③ Credit card business Recurring revenue was ¥1.911 billion, up ¥40 million year on year, while segment profit was ¥262 million, up ¥15 million. ④ Credit guarantee business Recurring revenue was ¥320 million, down ¥32 million year on year, while segment profit was ¥258 million, up ¥1 million. ⑤ IT business Recurring revenue was ¥1.735 billion, up ¥44 million year on year, while segment profit was ¥88 million, up ¥89 million.」

    In the interim period, revenue increased in the banking and leasing businesses, while profit declined. Both revenue and profit increased in the credit card and IT businesses, while the credit guarantee business recorded lower revenue and higher profit.
  4. FY2024Updated to the full-year segment resultsAnnual report

    「⑤ IT business Recurring revenue was ¥3.689 billion, up ¥2.337 billion from the previous consolidated fiscal year, while segment profit was ¥131 million, up ¥19 million.」

    For the full year, the IT business recorded recurring revenue of ¥3.689 billion and segment profit of ¥131 million, with both revenue and profit increasing year on year.
  5. FY2024-Q3Updated with third-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥33.117 billion, up ¥3.215 billion year on year, while segment profit was ¥5.334 billion, down ¥69 million. ② Leasing business Recurring revenue was ¥12.599 billion, up ¥1.034 billion year on year, while segment profit was ¥478 million, up ¥99 million. ③ Credit card business Recurring revenue was ¥2.816 billion, up ¥92 million year on year, while segment profit was ¥377 million, up ¥34 million. ④ Credit guarantee business Recurring revenue was ¥519 million, down ¥62 million year on year, while segment profit was ¥362 million, down ¥134 million. ⑤ IT business Recurring revenue was ¥2.814 billion, up ¥2.538 billion year on year, while segment profit was ¥80 million, up ¥75 million. ⑥ Other Recurring revenue was ¥379 million, up ¥48 million year on year, while segment profit was ¥33 million, up ¥19 million.」

    For the cumulative third-quarter period, recurring revenue increased but profit declined in the banking business. Revenue or profit increased in the leasing, credit card, IT and Other segments, while both revenue and profit declined in the credit guarantee business.
  6. FY2024-Q2Updated with interim segment resultsAnnual report

    「① Banking business Recurring revenue was ¥22.480 billion, up ¥2.156 billion year on year, while segment profit was ¥4.560 billion, down ¥194 million. ② Leasing business Recurring revenue was ¥8.369 billion, up ¥610 million year on year, while segment profit was ¥344 million, up ¥92 million. ③ Credit card business Recurring revenue was ¥1.871 billion, up ¥66 million year on year, while segment profit was ¥247 million, up ¥12 million. ④ Credit guarantee business Recurring revenue was ¥352 million, down ¥27 million year on year, while segment profit was ¥257 million, down ¥68 million. ⑤ IT business Recurring revenue was ¥1.691 billion and segment loss was ¥1 million.」

    Recurring revenue increased but profit declined in the banking business. Both revenue and profit increased in the leasing and credit card businesses, while both declined in the credit guarantee business. The IT business recorded recurring revenue of ¥1.691 billion and a segment loss of ¥1 million.
  7. FY2024-Q1Updated with first-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥10.294 billion, up ¥714 million year on year, while segment profit was ¥1.309 billion, down ¥250 million. ② Leasing business Recurring revenue was ¥4.042 billion, up ¥289 million year on year, while segment profit was ¥110 million, up ¥25 million. ③ Credit card business Recurring revenue was ¥918 million, up ¥34 million year on year, while segment profit was ¥104 million, up ¥7 million. ④ Credit guarantee business Recurring revenue was ¥178 million, down ¥15 million year on year, while segment profit was ¥148 million, down ¥16 million. ⑤ IT business Recurring revenue was ¥913 million and segment loss was ¥11 million.」

    In the first quarter, recurring revenue increased but profit declined in the banking business. Both revenue and profit increased in the leasing and credit card businesses. Both revenue and profit declined in the credit guarantee business, while the IT business recorded recurring revenue of ¥913 million and a segment loss of ¥11 million.
  8. FY2023-Q3Updated with third-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥29.901 billion, up ¥1.375 billion year on year, while segment profit was ¥5.404 billion, down ¥26 million. ② Leasing business Recurring revenue was ¥11.564 billion, down ¥522 million year on year, while segment profit was ¥379 million, down ¥35 million. ③ Credit card business Recurring revenue was ¥2.724 billion, down ¥42 million year on year, while segment profit was ¥343 million, down ¥239 million. ④ Credit guarantee business Recurring revenue was ¥582 million, down ¥105 million year on year, while segment profit was ¥497 million, down ¥91 million. ⑤ IT business Recurring revenue was ¥297 million and segment profit was ¥13 million.」

    For the cumulative third-quarter period, banking revenue increased, while segment profit declined in the banking, leasing, credit card and credit guarantee businesses. The newly established IT business recorded recurring revenue of ¥297 million and segment profit of ¥13 million.
  9. FY2023-Q1Updated with first-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥9.579 billion, up ¥10 million year on year, while segment profit was ¥1.559 billion, down ¥266 million. ② Leasing business Recurring revenue was ¥3.753 billion, down ¥444 million year on year, while segment profit was ¥84 million, down ¥88 million. ③ Credit card business Recurring revenue was ¥884 million, down ¥104 million year on year, while segment profit was ¥97 million, down ¥152 million. ④ Credit guarantee business Recurring revenue was ¥194 million, down ¥18 million year on year, while segment profit was ¥164 million, down ¥4 million. ⑤ Other Recurring revenue was ¥115 million, down ¥1 million year on year, while segment profit was ¥8 million, up ¥1 million.」

    In the first quarter, revenue increased slightly but profit declined in the banking business, while both revenue and profit declined in the leasing, credit card and credit guarantee businesses.
  10. FY2022Updated to the full-year segment resultsAnnual report

    「① Banking business Recurring revenue was ¥38.688 billion, up ¥1.310 billion from the previous consolidated fiscal year, while segment profit was ¥6.996 billion, up ¥4.701 billion. ② Leasing business Recurring revenue was ¥16.092 billion, down ¥1.034 billion from the previous consolidated fiscal year, while segment profit was ¥535 million, up ¥171 million.」

    For the full year, revenue and profit increased substantially in the banking business. In the leasing business, revenue declined but profit increased.
  11. FY2022-Q3Updated with third-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥28.525 billion, up ¥520 million year on year, while segment profit was ¥5.430 billion, up ¥2.886 billion. ② Leasing business Recurring revenue was ¥12.087 billion, down ¥497 million year on year, while segment profit was ¥414 million, up ¥60 million. ③ Credit card business Recurring revenue was ¥2.766 billion, down ¥108 million year on year, while segment profit was ¥582 million, down ¥124 million. ④ Credit guarantee business Recurring revenue was ¥687 million, up ¥2 million year on year, while segment profit was ¥588 million, up ¥147 million. ⑤ Other Recurring revenue was ¥337 million, down ¥16 million year on year, while segment profit was ¥14 million, down ¥5 million.」

    For the cumulative third-quarter period, recurring revenue and segment profit increased in the banking business. The leasing business recorded lower revenue and higher profit. Both revenue and profit declined in the credit card business, while the credit guarantee business recorded lower revenue and higher profit.
  12. FY2022-Q2Updated with interim segment resultsAnnual report

    「① Banking business Recurring revenue was ¥19.395 billion, up ¥507 million year on year, while segment profit was ¥3.968 billion, up ¥2.505 billion. ② Leasing business Recurring revenue was ¥8.224 billion, down ¥552 million year on year, while segment profit was ¥275 million, up ¥57 million. ③ Credit card business Recurring revenue was ¥1.862 billion, down ¥59 million year on year, while segment profit was ¥436 million, down ¥52 million. ④ Credit guarantee business Recurring revenue was ¥442 million, down ¥18 million year on year, while segment profit was ¥379 million, up ¥88 million.」

    In the interim period, revenue and profit increased in the banking business. The leasing business recorded lower revenue and higher profit. Both revenue and profit declined in the credit card business, while the credit guarantee business recorded lower revenue and higher profit.
  13. FY2022-Q1First-quarter segment results updatedAnnual report

    「① Banking business Recurring revenue was ¥9.569 billion, down ¥14 million year on year, while segment profit was ¥1.825 billion, up ¥1.048 billion. ② Leasing business Recurring revenue was ¥4.197 billion, down ¥567 million year on year, while segment profit was ¥173 million, up ¥62 million. ③ Credit card business Recurring revenue was ¥988 million, up ¥39 million year on year, while segment profit was ¥249 million, up ¥66 million. ④ Credit guarantee business Recurring revenue was ¥212 million, down ¥19 million year on year, while segment profit was ¥168 million, up ¥52 million.」

    Recurring revenue declined while segment profit increased in the banking and leasing businesses. Both revenue and profit increased in the credit card business, while the credit guarantee business recorded lower revenue and higher profit.
  14. FY2021Updated to the full-year segment resultsAnnual report

    「① Banking business Recurring revenue was ¥37.377 billion, down ¥5.113 billion from the previous consolidated fiscal year, while segment profit was ¥2.295 billion, down ¥3.079 billion. ② Leasing business Recurring revenue was ¥17.127 billion, up ¥67 million from the previous consolidated fiscal year, while segment profit was ¥364 million, down ¥209 million.」

    For the full year, revenue and profit declined substantially in the banking business. In the leasing business, revenue increased slightly while profit declined. Profit also declined in the credit card and credit guarantee businesses.
  15. FY2021-Q3Updated with third-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥28.005 billion, down ¥3.944 billion year on year, while segment profit was ¥2.543 billion, down ¥1.914 billion. ② Leasing business Recurring revenue was ¥12.584 billion, up ¥28 million year on year, while segment profit was ¥354 million, down ¥103 million. ③ Credit card business Recurring revenue was ¥2.875 billion, down ¥425 million year on year, while segment profit was ¥706 million, up ¥169 million. ④ Credit guarantee business Recurring revenue was ¥684 million, down ¥54 million year on year, while segment profit was ¥441 million, down ¥81 million.」

    For the cumulative third-quarter period, recurring revenue and profit declined in the banking business. In the leasing business, revenue increased slightly while profit declined. Profit increased in the credit card business, while both revenue and profit declined in the credit guarantee business.
  16. FY2021-Q2Updated with interim segment resultsAnnual report

    「① Banking business Recurring revenue was ¥18.888 billion, down ¥2.888 billion year on year, while segment profit was ¥1.462 billion, down ¥1.985 billion. ② Leasing business Recurring revenue was ¥8.777 billion, up ¥414 million year on year, while segment profit was ¥217 million, down ¥62 million. ③ Other Recurring revenue was ¥2.608 billion, down ¥329 million year on year, while segment profit was ¥787 million, up ¥66 million.」

    In the interim period, recurring revenue and profit declined in the banking business. In the leasing business, recurring revenue increased while profit declined. In Other, recurring revenue declined while profit increased.
  17. FY2021-Q1Updated with first-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥9.583 billion, down ¥2.545 billion year on year, while segment profit was ¥777 million, down ¥1.319 billion. ② Leasing business Recurring revenue was ¥4.765 billion, up ¥608 million year on year, while segment profit was ¥110 million, down ¥85 million.」

    In the first quarter, recurring revenue and segment profit declined in the banking business. In the leasing business, recurring revenue increased while segment profit declined.
  18. FY2020-Q3Updated with third-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥31.949 billion, up ¥1.433 billion year on year, while segment profit was ¥4.458 billion, up ¥1.205 billion. ② Leasing business Recurring revenue was ¥12.556 billion, down ¥4 million year on year, while segment profit was ¥457 million, up ¥67 million. ③ Other Recurring revenue was ¥4.401 billion, down ¥16 million year on year, while segment profit was ¥1.077 billion, up ¥136 million.」

    For the cumulative third-quarter period, recurring revenue and segment profit increased in the banking business. In the leasing business, recurring revenue declined slightly while segment profit increased. In Other, recurring revenue declined while profit increased.
  19. FY2020-Q2Updated with interim segment resultsAnnual report

    「① Banking business Recurring revenue was ¥21.777 billion, up ¥1.188 billion year on year, while segment profit was ¥3.448 billion, down ¥386 million. ② Leasing business Recurring revenue was ¥8.362 billion, up ¥209 million year on year, while segment profit was ¥280 million, up ¥1 million. ③ Other Recurring revenue was ¥2.937 billion, down ¥21 million year on year, while segment profit was ¥721 million, up ¥102 million.」

    In the interim period, recurring revenue increased in the banking business, although segment profit declined. In the leasing business, recurring revenue and profit both increased slightly. In Other, recurring revenue declined while profit increased.
  20. FY2020-Q1Updated with first-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥12.129 billion, up ¥1.398 billion year on year, while segment profit was ¥2.097 billion, up ¥296 million. ② Leasing business Recurring revenue was ¥4.156 billion, up ¥182 million year on year, while segment profit was ¥196 million, up ¥39 million. ③ Other Recurring revenue from businesses other than banking and leasing was ¥1.498 billion, up ¥12 million year on year, while segment profit was ¥356 million, up ¥35 million.」

    In the first quarter, recurring revenue and segment profit increased year on year in each of the banking, leasing and Other segments.
  21. FY2019Updated to the full-year segment resultsAnnual report

    「① Banking business Recurring revenue was ¥42.054 billion, down ¥416 million from the previous consolidated fiscal year, while segment profit was ¥7.397 billion, down ¥3.362 billion. ② Leasing business Recurring revenue was ¥16.866 billion, down ¥527 million from the previous consolidated fiscal year, while segment profit was ¥520 million, down ¥253 million.」

    For the full year, recurring revenue and segment profit declined from the previous fiscal year in both the banking and leasing businesses. In Other, recurring revenue was ¥5.803 billion and segment profit was ¥1.142 billion.
  22. FY2019-Q3Updated to third-quarter resultsAnnual report

    「① Banking business Recurring revenue was ¥30.516 billion, down ¥1.033 billion year on year, while segment profit was ¥3.252 billion, down ¥4.684 billion. ② Leasing business Recurring revenue was ¥12.560 billion, down ¥644 million year on year, while segment profit was ¥389 million, down ¥254 million. ③ Other Recurring revenue was ¥4.418 billion, up ¥68 million year on year, while segment profit was ¥940 million, up ¥9 million.」

    For the cumulative third-quarter period, recurring revenue and segment profit declined year on year in the banking and leasing businesses, while both increased in Other.
  23. FY2019-Q2Updated with interim segment resultsAnnual report

    「① Banking business Recurring revenue was ¥20.589 billion, down ¥513 million year on year, while segment profit was ¥3.835 billion, down ¥1.116 billion. ② Leasing business Recurring revenue was ¥8.153 billion, down ¥322 million year on year, while segment profit was ¥278 million, down ¥169 million. ③ Other Recurring revenue was ¥2.959 billion, up ¥100 million year on year, while segment profit was ¥619 million, down ¥17 million.」

    In the interim period, recurring revenue and segment profit declined year on year in the banking and leasing businesses. In Other, recurring revenue increased while segment profit declined.
  24. FY2019-Q1Updated with first-quarter segment performanceAnnual report

    「① Banking business Recurring revenue was ¥10.730 billion, down ¥460 million year on year, while segment profit was ¥1.8 billion, down ¥1.687 billion. ② Leasing business Recurring revenue was ¥3.973 billion, down ¥260 million year on year, while segment profit was ¥156 million, down ¥126 million. ③ Other Recurring revenue from businesses other than banking and leasing was ¥1.485 billion, up ¥82 million year on year, while segment profit was ¥320 million, up ¥29 million.」

    In the first quarter, recurring revenue and segment profit declined year on year in the banking and leasing businesses, while both increased in Other.
  25. FY2018Updated with full-year resultsAnnual report

    「① Banking business Recurring revenue was ¥42.470 billion, up ¥1.351 billion from the previous consolidated fiscal year, while segment profit was ¥10.759 billion, up ¥3.344 billion. ② Leasing business Recurring revenue was ¥17.393 billion, up ¥1.624 billion from the previous consolidated fiscal year, while segment profit was ¥774 million, up ¥140 million.」

    For the full year, recurring revenue and segment profit increased year on year in both the banking and leasing businesses.
  26. FY2018-Q3Updated to third-quarter resultsAnnual report

    「① Banking business Recurring revenue was ¥31.549 billion, down ¥152 million year on year, while segment profit was ¥7.937 billion, up ¥320 million. ② Leasing business Recurring revenue was ¥13.205 billion, up ¥1.339 billion year on year, while segment profit was ¥644 million, up ¥161 million.」

    For the cumulative third-quarter period, the banking business recorded lower recurring revenue but higher segment profit, while both recurring revenue and segment profit increased in the leasing business.
  27. FY2018-Q2First statedAnnual report

    「① Banking Ordinary revenue increased by ¥916 million year on year to ¥21.102 billion, and segment profit increased by ¥567 million to ¥4.951 billion. ② Leasing Ordinary revenue increased by ¥786 million year on year to ¥8.476 billion, and segment profit increased by ¥68 million to ¥448 million.」

    For the interim period, recurring revenue and segment profit increased year on year in both the banking and leasing businesses.
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