Risk of lower net interest income due to negative interest rate policy
First written in FY2016. 20 of 34 entries say "Materialised", first in FY2017. Latest entry: FY2026.
Tomato Bank moved to the "Worse" side of this theme in 2017, 2 years before the typical company in this theme (2019).
The whole theme swung hardest in 2019: 5 of 6 companies on the "Worse" side.
1 other company's latest entry also says "Other".
- FY2026Decrease in net funds investment income due to higher funding costsAnnual report
「Net interest income decreased by ¥248 million from the previous fiscal year to ¥13,117 million. This comprised a ¥1,729 million year-on-year increase in interest income to ¥16,051 million and a ¥1,977 million increase in interest expenses to ¥2,933 million.」
Although interest income from interest on loans and other sources increased, the increase in interest expenses, including interest on deposits, was larger, resulting in a ¥248 million year-on-year decrease in net interest income. - FY2026-H1Decrease in net funds investment income due to higher funding costsAnnual report
「Net interest income decreased by ¥251 million year on year to ¥6,405 million. This comprised a ¥782 million year-on-year increase in interest income to ¥7,731 million and a ¥1,034 million increase in interest expenses to ¥1,325 million.」
Although interest income increased, the increase in interest expenses was larger, resulting in a year-on-year decline in net interest income. - FY2025Increase in net interest income in a positive-interest-rate environmentAnnual report
「During the fiscal year, policy shifted from negative interest rates to a positive-interest-rate environment. Although interest on deposits increased by ¥750 million from the previous fiscal year, interest on loans increased by ¥582 million, interest and dividends on securities increased by ¥201 million, and net interest income increased by ¥220 million.」
The disclosure was updated from a record of declining net interest income due to the continued negative interest rate policy to a record of increasing net interest income amid the lifting of the negative interest rate policy and rising interest rates. - FY2025-H1First-half increase in net interest incomeAnnual report
「Net interest income increased by ¥141 million year on year to ¥6,657 million. This comprised a ¥290 million year-on-year increase in interest income to ¥6,948 million and a ¥149 million increase in interest expenses to ¥291 million.」
Net interest income increased year on year in the first half. Interest on loans was ¥5,778 million and interest and dividends on securities were ¥1,059 million, and this disclosure does not explicitly state a causal relationship with the negative interest rate policy. - FY2024Full-year increase in net interest incomeAnnual report
「In the financial environment of continued negative interest rate policy during the fiscal year, interest on loans decreased by ¥173 million from the previous fiscal year, interest and dividends on securities increased by ¥518 million, and interest on deposits increased by ¥21 million, resulting in a ¥470 million year-on-year increase in net interest income.」
Even under the continued negative interest rate policy, net interest income increased by ¥470 million from the previous fiscal year, mainly due to higher interest and dividends on securities. The record was updated from the previous record of declining net interest income to an increase for the full year. - FY2024-Q3Third-quarter increase in net interest incomeAnnual report
「Net interest income increased by ¥223 million year on year to ¥9,815 million. This comprised a ¥112 million year-on-year increase in interest income to ¥10,009 million and a ¥111 million decrease in interest expenses to ¥193 million.」
During the cumulative third-quarter period, net interest income increased year on year due to higher interest income and lower interest expenses. - FY2024-Q2First-half increase in net interest incomeAnnual report
「Net interest income increased by ¥269 million year on year to ¥6,515 million. This comprised a ¥227 million year-on-year increase in interest income to ¥6,658 million and a ¥41 million decrease in interest expenses to ¥142 million.」
Net interest income increased year on year in the first half due to higher interest income and lower interest expenses. The record was updated from the previous record of declining net interest income to an increase for the period. - FY2024-Q1First-quarter increase in net interest incomeAnnual report
「Net interest income increased by ¥80 million year on year to ¥3,236 million. This comprised a ¥103 million year-on-year increase in interest income to ¥3,334 million and a ¥22 million increase in interest expenses to ¥98 million.」
Net interest income increased year on year in the first quarter of fiscal 2023. Both interest income and interest expenses increased, and this disclosure does not explicitly state a causal relationship with the negative interest rate policy. - FY2023Full-year increase in net interest incomeAnnual report
「In the financial environment of continued negative interest rate policy during the fiscal year, interest on loans decreased by ¥28 million from the previous fiscal year, interest and dividends on securities increased by ¥196 million, and interest on deposits decreased by ¥58 million, resulting in an ¥82 million year-on-year increase in net interest income.」
Even in the low-interest-rate environment, net interest income increased by ¥82 million from the previous fiscal year, mainly due to higher interest and dividends on securities. - FY2023-Q3Third-quarter increase in net interest incomeAnnual report
「Net interest income increased by ¥76 million year on year to ¥9,592 million. This comprised a ¥167 million year-on-year increase in interest income to ¥9,897 million and a ¥90 million increase in interest expenses to ¥304 million.」
During the cumulative third-quarter period, both interest income and interest expenses increased, but net interest income increased by ¥76 million year on year. This disclosure does not explicitly state a causal relationship with the negative interest rate policy. quantified is true and materialized is false. - FY2023-Q2MaterialisedAnnual report
「Net interest income decreased by ¥115 million year on year to ¥6,245 million.」
Net interest income decreased year on year due to lower interest income and higher interest expenses. The record of declining net interest income due to the low-interest-rate environment and other factors has continued. quantified is true and materialized is true. - FY2023-Q1First-quarter decrease in net interest incomeAnnual report
「Net interest income decreased by ¥62 million year on year to ¥3,155 million. This comprised a ¥61 million year-on-year decrease in interest income to ¥3,231 million and a ¥1 million increase in interest expenses to ¥75 million.」
In the first quarter of fiscal 2022, net interest income decreased by ¥62 million year on year due to lower interest income and higher interest expenses. This disclosure does not explicitly state a causal relationship with the negative interest rate policy. - FY2022MaterialisedAnnual report
「In the financial environment of continued negative interest rate policy during the fiscal year, interest on loans decreased by ¥213 million from the previous fiscal year, interest and dividends on securities decreased by ¥38 million, and interest on deposits decreased by ¥107 million, resulting in a ¥30 million year-on-year decline in net interest income.」
Amid the continued negative interest rate policy, net interest income decreased by ¥30 million from the previous fiscal year due to lower interest on loans and other factors. - FY2022-Q3MaterialisedAnnual report
「Net interest income decreased by ¥8 million year on year to ¥9,515 million.」
Interest income decreased by ¥158 million year on year to ¥9,729 million, while interest expenses also decreased by ¥150 million, resulting in an ¥8 million decrease in net interest income. The record of declining net interest income due to the low-interest-rate environment and other factors has continued. - FY2022-Q2Net interest income increased despite lower interest incomeAnnual report
「Net interest income increased by ¥106 million year on year to ¥6,361 million.」
Although interest income decreased by ¥24 million year on year, interest expenses decreased by ¥130 million, resulting in a ¥106 million increase in net interest income. Interest income remains lower, but first-half net interest income exceeded the year-earlier level. - FY2022-Q1First-quarter increase in net interest incomeAnnual report
「Net interest income increased by ¥81 million year on year to ¥3,218 million.」
Although interest income decreased by ¥1 million year on year, interest expenses decreased by ¥81 million, resulting in an ¥81 million year-on-year increase in net interest income. This disclosure does not explicitly state a causal relationship with the negative interest rate policy. - FY2021MaterialisedAnnual report
「In the financial environment of continued negative interest rate policy during the fiscal year, interest on loans decreased by ¥142 million from the previous fiscal year, interest on securities decreased by ¥371 million, and interest on deposits decreased by ¥213 million, resulting in a ¥124 million year-on-year decline in net interest income.」
Net interest income decreased by ¥124 million from the previous fiscal year due to the continued low-interest-rate environment. - FY2021-Q3MaterialisedAnnual report
「Net interest income decreased by ¥60 million year on year to ¥9,523 million.」
The record of declining net interest income due to the low-interest-rate environment and other factors continued through the cumulative third-quarter period. Interest income decreased by ¥367 million year on year to ¥9,887 million. quantified is true and materialized is true. - FY2021-Q2MaterialisedAnnual report
「Consolidated ordinary income decreased by ¥143 million year on year to ¥11,243 million due to lower interest income.」
Interest income decreased by ¥314 million year on year to ¥6,533 million, while net interest income decreased by ¥125 million to ¥6,254 million, and the record of declining net interest income due to the low-interest-rate environment and other factors has continued. - FY2021-Q1MaterialisedAnnual report
「Net interest income decreased by ¥55 million year on year to ¥3,137 million.」
Interest income decreased by ¥141 million year on year due to lower interest yields, while net interest income also decreased by ¥55 million. The record of declining net interest income due to the low-interest-rate environment and other factors has continued. - FY2020MaterialisedAnnual report
「In the financial environment of continued negative interest rate policy during the fiscal year, interest on loans decreased by ¥427 million from the previous fiscal year, interest on securities increased by ¥152 million, and interest on deposits decreased by ¥144 million, resulting in a ¥122 million year-on-year decline in net interest income.」
Amid the continued negative interest rate policy, net interest income decreased by ¥122 million from the previous fiscal year, mainly due to lower interest on loans, and the impact of the risk of declining net interest income has continued. - FY2020-Q3MaterialisedAnnual report
「Net interest income decreased by ¥137 million year on year to ¥9,583 million.」
The decline in net interest income has continued, down ¥137 million year on year. Interest income also decreased by ¥257 million year on year, setting a new low for net interest income amid the low-interest-rate environment and other factors. - FY2020-Q2MaterialisedAnnual report
「Funds investment income decreased by ¥139 million year on year to ¥6,848 million, and net funds investment income decreased by ¥60 million year on year to ¥6,380 million.」
The decline in interest income and net interest income has continued. Consolidated ordinary profit also fell by ¥47 million year on year, despite the positive impact of increased income from Tomato Lease, due mainly to lower interest on loans. - FY2020-Q1MaterialisedAnnual report
「Funds investment income decreased by ¥70 million year on year to ¥3,434 million, and net funds investment income decreased by ¥27 million year on year to ¥3,193 million.」
The decrease in funds investment income and net funds investment income was disclosed for the first quarter. Although the current disclosure does not explicitly state a causal relationship with the negative interest rate policy, it updates the decline in net interest income reflected in the results. - FY2019MaterialisedAnnual report
「During the consolidated fiscal year, amid a financial environment in which the negative interest rate policy continued, interest on loans decreased by ¥342 million year on year, interest on securities decreased by ¥46 million, and interest on deposits decreased by ¥234 million, resulting in a ¥155 million year-on-year decrease in net funds investment income.」
The decline in interest on loans and securities due to the negative interest rate policy and other factors continued, and net funds investment income decreased by ¥155 million year on year. - FY2019-Q3MaterialisedAnnual report
「Consolidated ordinary revenue decreased by ¥497 million year on year to ¥13,676 million, due mainly to lower funds investment income resulting from a decline in funds investment yields.」
The decline in funds investment income resulting from lower funds investment yields continued, and net funds investment income decreased by ¥163 million year on year to ¥9,721 million. The impact of lower net interest income due to negative interest rates and other factors was also reflected in the third quarter. - FY2019-Q2MaterialisedAnnual report
「Consolidated ordinary revenue decreased by ¥672 million year on year to ¥8,890 million, due mainly to lower funds investment income resulting from a decline in funds investment yields.」
The decline in funds investment income resulting from lower funds investment yields continued, and net funds investment income decreased by ¥173 million year on year to ¥6,440 million. Consolidated ordinary revenue also decreased by ¥672 million year on year. - FY2019-Q1MaterialisedAnnual report
「Consolidated ordinary revenue decreased by ¥146 million year on year to ¥4,418 million, due mainly to lower funds investment income resulting from a decline in funds investment yields.」
The decline in funds investment income resulting from lower funds investment yields continued, and consolidated ordinary revenue decreased by ¥146 million year on year. - FY2018MaterialisedAnnual report
「During the consolidated fiscal year, amid a financial environment in which the negative interest rate policy continued, interest on loans decreased by ¥530 million year on year, interest on securities decreased by ¥147 million, and interest on deposits decreased by ¥95 million, resulting in a ¥440 million year-on-year decrease in net funds investment income.」
Amid the continuing negative interest rate policy, net funds investment income decreased by ¥440 million due mainly to lower interest on loans and securities. - FY2018-Q3MaterialisedAnnual report
「Consolidated ordinary revenue decreased by ¥989 million year on year to ¥14,173 million, due mainly to lower funds investment income resulting from a decline in funds investment yields and lower reversal gains on allowance for loan losses.」
The decline in funds investment income resulting from lower funds investment yields continued, and consolidated ordinary revenue decreased by ¥989 million year on year. Net funds investment income also decreased by ¥245 million year on year. - FY2018-Q2MaterialisedAnnual report
「Consolidated ordinary revenue decreased by ¥637 million year on year to ¥9,563 million, due mainly to lower funds investment income resulting from a decline in funds investment yields and lower reversal gains on allowance for loan losses.」
The decline in funds investment income resulting from lower funds investment yields continued, and consolidated ordinary revenue decreased by ¥637 million year on year. Net funds investment income also decreased by ¥120 million year on year. - FY2018-Q1MaterialisedAnnual report
「Consolidated ordinary revenue decreased by ¥439 million year on year to ¥4,565 million, mainly due to lower funds investment income resulting from a decline in funds investment yields.」
The decline in funds investment income resulting from lower funds investment yields was also reflected in the quarter, with consolidated ordinary revenue decreasing by ¥439 million year on year. - FY2017MaterialisedAnnual report
「Consolidated ordinary revenue decreased by ¥1,396 million from the previous fiscal year to ¥19,578 million, mainly due to lower funds investment income resulting from a decline in funds investment yields.」
The decline in funds investment income resulting from lower funds investment yields was reflected in the results, and the disclosure describes the impact of risks related to net interest income. - FY2016First statedAnnual report
「There is a risk that net interest income will decline due to the impact of the Bank of Japan's introduction of a negative interest rate policy and future interest-rate trends.」
In the current period, net funds investment income decreased by ¥166 million year on year. The disclosure states that interest income narrowed due to higher interest paid on deposits.