Weak performance in general lending operations for individuals and general corporate customers
First written in FY2018-Q2. 9 of 28 entries say "Restated". Latest entry: 2026-08-06.
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- 2026-08-06AdvancedEarnings
「General credit finance 450 509 464 General stock lending 235 307 230 Retail 288 374 318」
Average balances in general credit finance, general stock lending and retail services all exceeded the prior-year levels, and recovery and expansion in general lending-related businesses continued. - FY2026AdvancedAnnual report
「General margin finance 250 0.5 485 0.8 234 93.5 General stock lending 1,083 2.2 1,209 2.0 125 11.6 Retail lending 633 1.3 798 1.3 165 26.1」
General margin finance, general stock lending and retail lending all generated higher revenue. Recovery and expansion continued in general lending-related businesses, supported by product improvements and active equity markets. - FY2025AdvancedAnnual report
「General margin finance 250 0.5 485 0.8 234 93.5 General stock lending 1,083 2.2 1,209 2.0 125 11.6 Retail lending 633 1.3 798 1.3 165 26.1」
General margin finance, general stock lending and retail lending all generated higher revenue, and recovery and expansion continued in general lending-related businesses. - FY2025-H1AdvancedAnnual report
「General margin finance 128 0.5 189 0.7 250 0.5 Retail lending 299 1.2 383 1.4 633 1.3 General stock lending 523 2.1 698 2.5 1,083 2.2」
General margin finance, retail lending and general stock lending all generated higher revenue year on year. General lending-related businesses, including those serving individuals and general business corporations, continued to recover, supported by product improvements and active equity markets. - FY2024AdvancedAnnual report
「General margin finance (¥149 million, down 4.6% year on year) generated lower revenue as balances declined. … Retail lending (¥633 million, up 16.3%) generated higher revenue as balances increased, helped by active equity markets and successful improvements to the product offering.」
Among general lending-related businesses, retail lending generated higher revenue on product improvements and increased balances. Recovery and expansion were seen across many businesses, including general stock lending and general margin finance. However, some general margin finance items continued to show lower revenue. - FY2024-Q2RestatedAnnual report
「General stock lending (¥523 million, up 59.0% year on year) and general margin finance (¥128 million, up 95.9%) generated higher revenue as balances increased amid active equity markets. Retail lending (¥299 million, up 13.0%) also generated higher revenue as balances increased, helped by active equity markets and successful improvements to the product offering.」
General stock lending, general margin finance and retail lending all generated higher revenue on increased balances, with the recovery from the same period of the previous year continuing. - FY2024-Q1Revenue growth continues in general credit and retail lending and related businessesAnnual report
「General stock lending generated revenue of ¥266 million, up 51.5%, and general credit finance generated revenue of ¥58 million, up 85.4%, as balances increased amid active stock market conditions. Retail lending generated revenue of ¥146 million, up 13.0%, as active stock market conditions and product enhancements increased its balance.」
Revenue from general credit finance, general stock lending and retail lending all increased as balances rose, and the recovery from the weakness in general lending-related operations seen through the same period of the previous year continued. - FY2023Higher retail lending revenue coexisted with lower general credit finance revenue for the full fiscal yearAnnual report
「General credit finance revenue declined to ¥149 million, down 4.6%, as its balance fell. Retail lending revenue increased to ¥544 million, up 6.6%, as product enhancements increased its balance, resulting in higher revenue.」
Retail lending revenue increased as product enhancements and a higher balance drove growth, while general credit finance revenue declined as its balance fell. Recovery and weakness coexisted within general lending-related operations. - FY2023-Q3Higher retail lending revenue coexisted with lower general credit finance revenueAnnual report
「Retail lending generated revenue of ¥404 million, up 5.6%, and general stock lending generated revenue of ¥584 million, up 15.8%, as balances increased from the same period of the previous year. General credit finance revenue declined to ¥95 million, down 15.6%, as its balance fell.」
Revenue from retail lending and general stock lending increased as balances rose, while general credit finance revenue declined as its balance fell. Revenue growth and decline coexisted within general lending-related operations. - FY2023-Q2Continued revenue growth in retail lending alongside lower general credit finance revenueAnnual report
「Retail lending generated revenue of ¥264 million, up 6.6%, and general stock lending generated revenue of ¥329 million, up 2.4%, as balances increased from the same period of the previous year. General credit finance revenue declined to ¥65 million, down 5.0%, as its balance fell.」
Revenue from retail lending increased 6.6% year on year as balances rose, while general credit finance revenue declined 5.0% as its balance fell. Revenue growth and decline coexisted within general lending-related operations. - FY2023-Q1RestatedAnnual report
「General credit finance generated revenue of ¥31 million, up 6.9%, retail lending generated revenue of ¥129 million, up 7.7%, and general stock lending generated revenue of ¥175 million, up 0.5%. Revenue increased in all three businesses as balances rose from the same period of the previous year.」
Revenue growth continued in general credit finance and retail lending after their weakness through the previous fiscal year. - FY2022-Q3RestatedAnnual report
「General credit finance generated revenue of ¥112 million, up 112.2%, and lending to individuals and ordinary business corporations generated revenue of ¥383 million, up 9.1%, in both cases as loan balances increased.」
Lending to individuals and ordinary business corporations generated operating revenue of ¥383 million, up 9.1% year on year, as loan balances increased, continuing the trend toward revenue growth after declines through the previous fiscal year. - FY2022-Q2Revenue growth continues in lending to individuals and ordinary business corporationsAnnual report
「Lending to financial instruments business operators generated revenue of ¥541 million, up 28.2%, as a result of increased stock lending transactions secured by cash collateral, or stock repo transactions. General credit finance generated revenue of ¥69 million, up 107.0%, and lending to individuals and ordinary business corporations generated revenue of ¥248 million, up 8.2%, in both cases as loan balances increased.」
Lending to individuals and ordinary business corporations, which had seen revenue decline through the previous fiscal year, generated operating revenue of ¥248 million, up 8.2% year on year, as loan balances increased. The shift to revenue growth continued. - FY2022-Q1Lending to individuals and ordinary business corporations turned to revenue growthAnnual report
「Meanwhile, general credit finance revenue was ¥29 million, up 92.4%, and revenue from lending to individuals and ordinary business corporations was ¥120 million, up 7.0%, both reflecting higher loan balances.」
Lending to individuals and ordinary business corporations, which had seen revenue decline through the previous fiscal year, generated operating revenue of ¥120 million, up 7.0% year on year, as loan balances increased. - FY2021Full-year revenue decline continues in lending to individuals and ordinary business corporationsAnnual report
「In addition, revenue from lending to individuals and ordinary business corporations declined to ¥468 million, down 5.3%, as loan balances fell.」
Operating revenue from lending to individuals and ordinary business corporations was ¥468 million, down 5.3% year on year, as weakness caused by lower loan balances continued for the full fiscal year. - FY2021-Q3RestatedAnnual report
「In addition, general credit finance revenue was ¥53 million, down 11.2%, and revenue from lending to individuals and ordinary business corporations was ¥351 million, down 5.5%, both reflecting lower loan balances.」
Revenue from lending to individuals and ordinary business corporations declined 5.5% year on year as loan balances fell, and weakness in general lending operations continued. - FY2021-Q2RestatedAnnual report
「Meanwhile, general credit finance revenue was ¥33 million, down 13.2%, and revenue from lending to individuals and ordinary business corporations was ¥229 million, down 7.4%, both reflecting lower loan balances.」
The average balance of lending to individuals and ordinary business corporations fell to ¥12.8 billion from ¥13.9 billion in the same period of the previous year, and operating revenue also declined 7.4% year on year. Weakness continued. - FY2021-Q1Revenue decline continues in lending to individuals and ordinary business corporationsAnnual report
「Meanwhile, general credit finance revenue was ¥15 million, down 4.2%, and revenue from lending to individuals and ordinary business corporations was ¥112 million, down 9.8%, both reflecting lower loan balances.」
Revenue from lending to individuals and ordinary business corporations declined as loan balances fell. Lending to financial instruments business operators increased, but weakness in lending to individuals and ordinary business corporations continued. - FY2020General lending revenue increased despite lower loan balancesAnnual report
「Operating revenue from general lending operations was ¥1,312 million, up 5.7% year on year.」
Although the average balance of general loans during the period fell by ¥8.4 billion from the previous fiscal year to ¥72.6 billion, operating revenue increased 5.7% year on year. Increased use of stock lending transactions secured by cash collateral and funding demand from some counterparties contributed. - FY2020-Q3RestatedAnnual report
「Although the company captured funding demand from some counterparties among financial instruments business operators, lending overall was below the same period of the previous year. Lending to individuals and ordinary business corporations also remained weak, resulting in a ¥6.9 billion year-on-year decline in the average balance of loans during the period to ¥77.2 billion.」
The average balance of loans in general lending operations fell to ¥77.2 billion year on year, while operating revenue was ¥905 million, down 6.5%. Overall lending to financial instruments business operators and lending to individuals and ordinary business corporations remained weak. - FY2020-Q2Revenue declined as general loan balances fellAnnual report
「Although the company captured funding demand from some counterparties among financial instruments business operators, lending overall was below the same period of the previous year. Lending to individuals and ordinary business corporations also remained weak, resulting in a ¥5.1 billion year-on-year decline in the average balance of loans during the period to ¥88.9 billion.」
The average balance of general loans during the period fell to ¥88.9 billion year on year, and operating revenue also declined 12.6%. The figures indicate continued weakness in lending to individuals and ordinary business corporations and an overall decline in lending to financial instruments business operators. - FY2020-Q1General lending revenue declined despite higher loan balancesAnnual report
「As the company captured funding demand from some financial instruments business operators, the average balance of loans during the period increased to ¥94.8 billion, up ¥12.1 billion year on year. However, lending to individuals and ordinary business corporations remained weak, and use of stock lending transactions secured by cash collateral also declined.」
Although the average balance of general loans during the period increased to ¥94.8 billion year on year, lending to individuals and ordinary business corporations and use of stock lending transactions secured by cash collateral remained weak. Operating revenue from general lending operations declined 9.7% year on year. - FY2019-Q3RestatedAnnual report
「In general lending operations, lending to individuals and ordinary business corporations exceeded the same period of the previous year, while lending to financial instruments business operators remained firm. As a result, the average balance of loans during the period increased to ¥84.2 billion, up ¥46.2 billion year on year. Use of stock lending transactions secured by cash collateral also increased substantially.」
General lending operations, which had been weak through the previous year, continued to benefit from increases in lending to individuals and ordinary business corporations and to financial instruments business operators. The average balance of loans during the period increased by ¥46.2 billion year on year. - FY2019-Q2AdvancedAnnual report
「In general lending operations, lending to individuals and ordinary business corporations exceeded the same period of the previous year, while lending to financial instruments business operators remained firm. As a result, the average balance of loans during the period increased to ¥94.0 billion, up ¥57.8 billion year on year. Use of stock lending transactions secured by cash collateral also increased substantially.」
General lending operations, which had been weak through the previous fiscal year, saw lending to individuals and ordinary business corporations and to financial instruments business operators increase. The average balance of loans rose by ¥57.8 billion year on year, while operating revenue increased 58.9%. - FY2019-Q1General lending operations turned from weakness to growthAnnual report
「In general lending operations, lending to individuals and ordinary business corporations was broadly in line with the same period of the previous year, while lending to financial instruments business operators remained firm. As a result, the average balance of loans during the period increased to ¥82.6 billion, up ¥45.2 billion year on year.」
General lending operations, which had been weak through the previous fiscal year, saw the average balance of loans reach ¥82.6 billion as lending to financial instruments business operators remained firm, an increase of ¥45.2 billion year on year. - FY2018RestatedAnnual report
「In general lending operations, lending to financial instruments business operators and lending to individuals and ordinary business corporations both remained weak. The average balance of loans during the period was ¥41.4 billion, down ¥3.4 billion from the previous fiscal year.」
General lending to financial instruments business operators and to individuals and ordinary business corporations remained weak, and the average balance of loans fell to ¥41.4 billion. Operating revenue was ¥908 million, broadly unchanged from the previous year, supported by increased use of stock lending transactions secured by cash collateral. - FY2018-Q3RestatedAnnual report
「In general lending operations, lending to individuals and ordinary business corporations and lending to financial instruments business operators both remained weak. The average balance of loans during the period was ¥37.0 billion, down ¥8.5 billion year on year. Meanwhile, use of stock lending transactions secured by cash collateral increased as stock market conditions recovered.」
Weakness in lending to individuals and ordinary business corporations and to financial instruments business operators continued. Although the average balance of general loans during the period fell to ¥37.0 billion, use of stock lending transactions secured by cash collateral increased as stock market conditions recovered. - FY2018-Q2First statedAnnual report
「In general lending operations, lending to individuals and ordinary business corporations and lending to financial instruments business operators both remained weak. The average balance of loans during the period was ¥36.1 billion, down ¥11.3 billion year on year. Meanwhile, use of stock lending transactions secured by cash collateral increased as stock market conditions recovered.」
Although the average balance of loans in general lending operations fell to ¥36.1 billion, use of stock lending transactions secured by cash collateral increased as stock market conditions recovered.