Worth reading
21Immaterial
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
28.2
% (year-on-year increase in ordinary revenue)Wording
Conditional
How definitive the wording is.Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPNet Sales193,081¥ millionYear on year +28.2%
Ordinary income18,535¥ millionYear on year +27.4%Progress 30.4%
Net income attributable to owners of the parent13,514¥ millionYear on year +25.8%Progress 30.7%
The 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.
Net income per share¥1,551.87
Financial position at period-end
Total assets46,968,052¥ million
of which net assets 1,697,322 ¥ millionEquity ratio 3.5%vs. prior year-end +0.1pt
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.
Segment revenueShinkin Central Bank's business ¥183,336 million, Other ¥11,555 million
Segment profitShinkin Central Bank's business ¥13,053 million, Other ¥830 million
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥61,000 million (YoY +8.6%)
Net income¥44,000 million (YoY +2.3%)
Annual Dividend ForecastGeneral ordinary contributions 3,000 / Specific ordinary contributions 1,500 / Preferred contributions 6,500 → General ordinary contributions 3,000 / Specific ordinary contributions 1,500 / Preferred contributions 6,500（General ordinary contributions 0 / Specific ordinary contributions 0 / Preferred contributions 0）
Factors Behind Changes in Business Performance
Higher interest and dividend income on securities led to higher fund investment income, among other factors. Higher interest expense on deposits led to higher funding costs, among other factors.
Disclosure regarding the going concern assumption
No applicable matters.
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 No修正再表示 No
Changes in the scope of consolidationNone added or excluded (no company names stated)
Breakdown of extraordinary income (loss)Extraordinary income Not disclosed / Extraordinary loss Losses on disposal of fixed assets ¥0 million, Provision for financial instruments transaction liability reserve ¥3 million
Depreciation and amortization¥2,857 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable No / Subject person Not disclosed
Issued Shares at Period-End8,708,222 units (including own contributions)
Treasury Shares at Period-End－ units
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | ¥193,081 million (YoY +28.2%) |
| Ordinary income | ¥18,535 million (YoY +27.4%) |
| Profit attributable to owners of the parent | ¥13,514 million (YoY +25.8%) |
| Net income per share | ¥1,551.87 |
| Equity ratio | End of the current fiscal period 3.5 / End of previous period 3.4 |
| Total assets | ¥46,968,052 million |
| Net assets | ¥1,697,322 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥61,000 million (YoY +8.6%) / Net income ¥44,000 million (YoY +2.3%) |
| Annual Dividend Forecast | General ordinary contributions 3,000 / Specific ordinary contributions 1,500 / Preferred contributions 6,500 → General ordinary contributions 3,000 / Specific ordinary contributions 1,500 / Preferred contributions 6,500（General ordinary contributions 0 / Specific ordinary contributions 0 / Preferred contributions 0） |
| Segment revenue | Shinkin Central Bank's business ¥183,336 million, Other ¥11,555 million |
| Segment profit | Shinkin Central Bank's business ¥13,053 million, Other ¥830 million |
| Depreciation and amortization | ¥2,857 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Not disclosed / Extraordinary loss Losses on disposal of fixed assets ¥0 million, Provision for financial instruments transaction liability reserve ¥3 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 | None added or excluded (no company names stated) |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable No / Subject person Not disclosed |
| Issued Shares at Period-End | 8,708,222 units (including own contributions) |
| Treasury Shares at Period-End | － units |
| Factors Behind Changes in Business Performance | Higher interest and dividend income on securities led to higher fund investment income, among other factors. Higher interest expense on deposits led to higher funding costs, among other factors. |
Items this document does not state (13)
Operating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodRevision to Earnings ForecastPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogImpairment lossMaterial subsequent events
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 mainly because interest and dividend income on securities led to higher fund investment income. Meanwhile, funding costs increased because of higher interest expense on deposits.
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.