Worth reading
72In focus
Scored from 3 of 5 sectionsDirection
Deterioration
Direction inferred from the company’s description.Scale
-74.4
% (fiscal year ending March 2027, full-year non-consolidated net income)Wording
Avoiding a definitive answer
How definitive the wording is.Revised forecast
Fiscal year ending March 2027 · Cumulative second quarter and full yearPrevious forecast published 11 May 2026Ordinary incomeConsolidated / cumulative second quarter1,300→-160Millions of yen
-112.3%
Ordinary incomeConsolidated - full year3,150→1,500Millions of yen
-52.3%
Ordinary incomeNon-consolidated / cumulative second quarter1,200→-260Millions of yen
-121.7%
Ordinary incomeNon-consolidated - full year2,930→1,300Millions of yen
-55.6%
Profit attributable to owners of the parentConsolidated / cumulative second quarter830→-240Millions of yen
-128.9%
Profit attributable to owners of the parentConsolidated - full year2,040→570Millions of yen
-72.0%
Profit attributable to owners of the parentNon-consolidated / cumulative second quarter800→-280Millions of yen
-135.0%
Profit attributable to owners of the parentNon-consolidated - full year1,960→500Millions of yen
-74.4%
Net income per shareConsolidated / cumulative second quarter75.99→—yen and sen
—
Net income per shareConsolidated - full year189.46→44.48yen and sen
-76.5%
Net income per shareNon-consolidated / cumulative second quarter73.03→—yen and sen
—
Net income per shareNon-consolidated - full year181.57→37.57yen and sen
-79.3%
The bar length represents the relative magnitude of change, based on the item that changed the most in this document. The percentage change shown by the dotted line is calculated from the two reported figures because the company did not provide the rate.
Reason for the revision
On a standalone bank basis, credit costs are expected to exceed the initial forecast, among other factors, due to the matter concerning the risk of inability or delay in collecting receivables announced on 7 July 2026. Following a review of the main driver of earnings from increasing average balances to widening interest margins in response to major changes in the interest-rate environment, net interest income has been progressing broadly in line with the plan.
Previous-period resultsConsolidated / cumulative second quarter Ordinary income 705 / Interim net income attributable to owners of the parent 218 / Interim net income per share 15.74 / Consolidated - full year Ordinary income 1,380 / Profit attributable to owners of the parent 596 / Net income per share 47.20 / Non-consolidated / cumulative second quarter Ordinary income 570 / Interim net income 177 / Interim net income per share 11.68 / Non-consolidated - full year Ordinary income 1,107 / Net income for the current fiscal year 502 / Net income per share 37.93
Consolidated / non-consolidatedConsolidated / non-consolidated (standalone)
| Item | Details |
|---|---|
| Ordinary income | Consolidated / cumulative second quarter 1,300 / Consolidated - full year 3,150 / Non-consolidated / cumulative second quarter 1,200 / Non-consolidated - full year 2,930 → Consolidated / cumulative second quarter -160 / Consolidated - full year 1,500 / Non-consolidated / cumulative second quarter -260 / Non-consolidated - full year 1,300（Consolidated / cumulative second quarter Not disclosed / Consolidated - full year -52.3 / Non-consolidated / cumulative second quarter Not disclosed / Non-consolidated - full year -55.6） |
| Profit attributable to owners of the parent | Consolidated / cumulative second quarter 830 / Consolidated - full year 2,040 / Non-consolidated / cumulative second quarter 800 / Non-consolidated - full year 1,960 → Consolidated / cumulative second quarter -240 / Consolidated - full year 570 / Non-consolidated / cumulative second quarter -280 / Non-consolidated - full year 500（Consolidated / cumulative second quarter Not disclosed / Consolidated - full year -72 / Non-consolidated / cumulative second quarter Not disclosed / Non-consolidated - full year -74.4） |
| Net income per share | Consolidated / cumulative second quarter 75.99 / Consolidated - full year 189.46 / Non-consolidated / cumulative second quarter 73.03 / Non-consolidated - full year 181.57 → Consolidated / cumulative second quarter △29.53 / Consolidated - full year 44.48 / Non-consolidated / cumulative second quarter △33.48 / Non-consolidated - full year 37.57 |
| Fiscal Period Covered | Fiscal year ending March 2027 |
| Period Covered | Cumulative second quarter and full year |
| Publication date of previous forecast | 11 May 2026 |
| Previous-period results | Consolidated / cumulative second quarter Ordinary income 705 / Interim net income attributable to owners of the parent 218 / Interim net income per share 15.74 / Consolidated - full year Ordinary income 1,380 / Profit attributable to owners of the parent 596 / Net income per share 47.20 / Non-consolidated / cumulative second quarter Ordinary income 570 / Interim net income 177 / Interim net income per share 11.68 / Non-consolidated - full year Ordinary income 1,107 / Net income for the current fiscal year 502 / Net income per share 37.93 |
| Reason for the revision | On a standalone bank basis, credit costs are expected to exceed the initial forecast, among other factors, due to the matter concerning the risk of inability or delay in collecting receivables announced on 7 July 2026. Following a review of the main driver of earnings from increasing average balances to widening interest margins in response to major changes in the interest-rate environment, net interest income has been progressing broadly in line with the plan. |
| Consolidated / non-consolidated | Consolidated / non-consolidated (standalone) |
Items this document does not state (4)
Net SalesOperating profitDetails and amount of extraordinary lossDividend forecast revision
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.On a standalone bank basis, credit costs are expected to exceed the initial forecast, among other factors, due to the matter concerning the risk of inability or delay in collecting receivables announced on 7 July 2026. Meanwhile, following a review of the main driver of earnings from increasing average balances to widening interest margins in response to changes in the interest-rate environment, net interest income is said to be progressing broadly in line with the plan.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.