Diversifying revenue sources and building a growth-oriented business model
First written in FY2016. 5 of 33 entries say "Advanced", first in FY2018. Latest entry: FY2026.
The whole theme swung hardest in 2023: 1 of 7 companies on the "Worse" side.
2 other companies' latest entry also says "Other".
- FY2026Decrease in net gains on fund management and increase in net fees and commissions and other operating incomeAnnual report
「Net interest income decreased by ¥248 million year on year to ¥13,117 million. This comprised interest income of ¥16,051 million, up ¥1,729 million year on year, and interest expenses of ¥2,933 million, up ¥1,977 million. Net fees and commissions increased by ¥86 million year on year to ¥1,652 million. Other operating income increased by ¥802 million year on year to ¥655 million.」
Actual revenue-source results were updated. Net interest income declined, while net fees and commissions and other operating income increased. Higher interest expenses are weighing on net interest income. - 2026-05-13AdvancedResults
「経常利益は前期比２億24百万円増益の28億27百万円、親会社株主に帰属する当期純利益は、前期比１億52百万円増益の19億70百万円となりました。」
利益額は前年度から増加し、当期純利益は第4次みらい創生プランの19億円目標を上回った。一方、連結自己資本当期純利益率は3.4％で、中長期ROE目標5％には未達である。 - FY2026-H1Decline in net interest income and net fees and commissions, and increase in other operating incomeAnnual report
「Net interest income decreased by ¥251 million year on year to ¥6,405 million. Net fees and commissions decreased by ¥235 million year on year to ¥447 million. Other operating income increased by ¥571 million year on year to ¥495 million.」
Actual revenue-source results were updated. Net interest income and net fees and commissions declined, while other operating income increased. - FY2025AdvancedAnnual report
「Item FY2023 Actual FY2024 Actual Medium-Term Management Plan FY2026 Target Core net business profit (excluding gains on cancellation of investment trusts) ¥3.0 billion ¥3.2 billion ¥3.2 billion Net income ¥1.4 billion ¥1.6 billion ¥1.9 billion Capital adequacy ratio 8.62% 8.89% 8% or higher OHR (based on core gross operating profit) 78.1% 77.4% In the 75% range ROE (based on net income) 2.6% 2.9% 3% or higher」
FY2024 actual results were updated as the first-year results of the Fourth Mirai Creation Plan. Core net business profit reached the ¥3.2 billion target and the OHR improved to 77.4%, while net income of ¥1.6 billion and ROE of 2.9% remained below target. - FY2025-H1First-half actual revenue mix updatedAnnual report
「Net interest income increased by ¥141 million year on year to ¥6,657 million. This comprised interest income of ¥6,948 million, up ¥290 million year on year, and interest expenses of ¥291 million, up ¥149 million. Net fees and commissions increased by ¥182 million year on year to ¥682 million. Other operating income decreased by ¥160 million year on year to a negative ¥76 million.」
In the current interim period, net interest income and net fees and commissions increased year on year, while other operating income declined. Actual figures for the scale and composition of revenue sources were updated. - FY2024RaisedAnnual report
「<Management Targets (Non-consolidated)> Item FY2023 Actual Medium-Term Management Plan Target Core net business profit (excluding gains on cancellation of investment trusts) ¥3.0 billion ¥3.2 billion Net income ¥1.4 billion ¥1.9 billion Capital adequacy ratio 8.6% 8% or higher OHR (based on core gross operating profit) 78.1% Approximately 75% <Consolidated> ROE (based on net income) 2.75% Targeting 5% over the medium to long term」
The Fourth Mirai Creation Plan set targets of ¥3.2 billion for core net business profit, ¥1.9 billion for net income, approximately 75% for the OHR and 5% for ROE over the medium to long term. Compared with the profitability and capital-efficiency targets of the Third Plan, the targets for profit and ROE were raised and the OHR target was tightened. - FY2024-Q3Third-quarter actual revenue mix updatedAnnual report
「Net interest income increased by ¥223 million year on year to ¥9,815 million. Net fees and commissions increased by ¥157 million year on year to ¥979 million. Other operating income decreased by ¥254 million year on year to ¥122 million.」
For the cumulative nine-month period, net interest income and net fees and commissions increased year on year, while other operating income declined. - FY2024-Q2First-half revenue mix updatedAnnual report
「Net interest income increased by ¥269 million year on year to ¥6,515 million. Net fees and commissions increased by ¥89 million year on year to ¥500 million. Other operating income decreased by ¥159 million year on year to ¥84 million.」
In the current interim period, net interest income and net fees and commissions increased year on year, while other operating income declined. Actual revenue-source composition was updated. - FY2024-Q1First-quarter improvement in revenue mixAnnual report
「Net interest income increased by ¥80 million year on year to ¥3,236 million.」
Net interest income increased year on year, and net fees and commissions also increased by ¥50 million year on year. Meanwhile, other operating income decreased by ¥1 million, updating actual results by revenue source. - FY2023AdvancedAnnual report
「Medium-Term Management Plan, the Third Mirai Creation Plan Analysis of each item is provided in (1) below. Item FY2021 Actual Medium-Term Management Plan FY2023 Target FY2022 Actual Core net business profit (excluding gains on cancellation of investment trusts) ¥2.6 billion ¥2.3 billion ¥2.9 billion Net income ¥1.5 billion ¥1.6 billion ¥1.7 billion Capital adequacy ratio 8.81% 8% or higher 8.67% OHR (based on core gross operating profit) 80.8% In the 82% range 79.0% ROE (based on net income) 2.9% 3% or higher 3.2%」
The FY2023 targets and FY2022 actual results for profitability, efficiency and capital efficiency were updated. Core net business profit was ¥2.9 billion, net income was ¥1.7 billion, the OHR was 79.0% and ROE was 3.2%. - FY2023-Q3Third-quarter actual revenue mix updatedAnnual report
「Net interest income increased by ¥76 million year on year to ¥9,592 million. Net fees and commissions decreased by ¥17 million year on year to ¥822 million. Other operating income decreased by ¥97 million year on year to ¥377 million.」
For the cumulative nine-month period, net interest income increased, while net fees and commissions and other operating income declined. The composition and actual results of revenue sources were updated. - FY2023-Q2Second-quarter actual revenue mix updatedAnnual report
「Net interest income decreased by ¥115 million year on year to ¥6,245 million. Net fees and commissions decreased by ¥54 million year on year to ¥410 million. Other operating income decreased by ¥64 million year on year to ¥244 million.」
Net interest income, net fees and commissions and other operating income all declined year on year, updating the actual revenue mix for the cumulative six-month period. - FY2023-Q1First-quarter actual revenue mix updatedAnnual report
「Net interest income decreased by ¥62 million year on year to ¥3,155 million. Net fees and commissions decreased by ¥20 million year on year to ¥146 million. Other operating income decreased by ¥55 million year on year to ¥122 million.」
In the first quarter of FY2022, net interest income, net fees and commissions and other operating income all declined year on year, updating the composition and actual results of revenue sources. - FY2022AdvancedAnnual report
「Item FY2020 Actual Medium-Term Management Plan FY2023 Target FY2021 Actual Core net business profit (excluding gains on cancellation of investment trusts) ¥2.1 billion ¥2.3 billion ¥2.6 billion Net income ¥1.3 billion ¥1.6 billion ¥1.5 billion Capital adequacy ratio 8.32% 8% or higher 8.81% OHR (based on core gross operating profit) 84.1% In the 82% range 80.8% ROE (based on net income) 2.7% 3% or higher 2.9%」
FY2021 actual results against the FY2023 targets of the Third Mirai Creation Plan were disclosed. Core net business profit was ¥2.6 billion, exceeding the target, and the OHR improved to 80.8%, while net income was ¥1.5 billion and ROE was 2.9%, below target. - FY2022-Q3Third-quarter actual revenue mix updatedAnnual report
「Net interest income decreased by ¥8 million year on year to ¥9,515 million. Net fees and commissions increased by ¥376 million year on year to ¥840 million. Other operating income increased by ¥47 million year on year to ¥474 million.」
For the cumulative nine-month period, net interest income decreased by ¥8 million, while net fees and commissions increased by ¥376 million and other operating income increased by ¥47 million. Actual revenue-source composition was updated. - FY2022-Q2Update to first-half actual revenue mixAnnual report
「Net interest income increased by ¥106 million year on year to ¥6,361 million. Net fees and commissions increased by ¥249 million year on year to ¥464 million. Other operating income decreased by ¥1 million year on year to ¥309 million.」
In the first half of FY2021, net interest income and net fees and commissions increased year on year, while other operating income declined slightly. The composition and actual results of revenue sources were updated. - FY2022-Q1First-quarter actual revenue mix updatedAnnual report
「Net interest income increased by ¥81 million year on year to ¥3,218 million. Net fees and commissions increased by ¥150 million year on year to ¥166 million. Other operating income increased by ¥53 million year on year to ¥178 million.」
Net interest income, net fees and commissions and other operating income all increased year on year, updating the first-quarter actual revenue mix. - FY2021RaisedAnnual report
「Under the new medium-term management plan, the Third Mirai Creation Plan, the following indicators were established as management targets to be achieved in FY2023, the final year of the plan.」
FY2023 targets were set at core net business profit of ¥2.3 billion, net income of ¥1.6 billion, a capital adequacy ratio of 8% or higher, an OHR in the 82% range and ROE of 3% or higher. The numerical revenue targets were raised from core net business profit of ¥2.1 billion and net income of ¥1.5 billion under the second plan. - FY2021-Q3Decline in net interest income and net fees and commissions, and increase in other operating incomeAnnual report
「Net interest income decreased by ¥60 million year on year to ¥9,523 million. Net fees and commissions decreased by ¥118 million year on year to ¥463 million. Other operating income increased by ¥58 million year on year to ¥426 million.」
For the cumulative nine-month period, net interest income and net fees and commissions declined year on year, while other operating income increased. Actual revenue-source composition was updated. - FY2021-Q2Decline in net interest income and increase in other operating incomeAnnual report
「Net interest income decreased by ¥125 million year on year to ¥6,254 million. Net fees and commissions decreased by ¥40 million year on year to ¥215 million. Other operating income increased by ¥51 million year on year to ¥310 million.」
Net interest income and net fees and commissions declined year on year, while other operating income increased. The composition of revenue sources and first-half actual results were updated. - FY2021-Q1Decline in net interest income and increase in lease incomeAnnual report
「Consolidated ordinary revenue increased by ¥115 million year on year to ¥5,559 million. Although net interest income declined due to lower yields on funds invested, other operating income, including lease revenue, increased.」
While net interest income declined, other operating income, including lease revenue, increased, updating the revenue mix and quarterly results. - FY2020Full-year revenue mix updated following lease consolidationAnnual report
「Net interest income comprised ¥12,360 million from domestic operations and ¥379 million from international operations, for a total of ¥12,747 million after eliminations. Net fees and commissions were ¥541 million, and other operating income was ¥593 million.」
While net interest income decreased by ¥122 million year on year, other operating income increased by ¥570 million. Full-year actual revenue mix, including the consolidation of the leasing business, was updated. - FY2020-Q3Increase in other operating income and decline in net interest income following lease consolidationAnnual report
「Net interest income decreased by ¥137 million year on year to ¥9,583 million. Net fees and commissions decreased by ¥37 million year on year to ¥338 million. Other operating income increased by ¥433 million year on year to ¥367 million.」
Net interest income and net fees and commissions declined, while other operating income increased, driven by the recognition of operating revenue and other items associated with Tomato Lease Co., Ltd. becoming a consolidated subsidiary. The composition of revenue sources was updated. - FY2020-Q2Update to first-half actual revenue mixAnnual report
「Net interest income decreased by ¥60 million year on year to ¥6,380 million. Net fees and commissions increased by ¥12 million year on year to ¥256 million. Other operating income increased by ¥290 million year on year to ¥259 million.」
Net interest income declined, while net fees and commissions and other operating income increased. First-half actual revenue mix, including the impact of Tomato Lease becoming a consolidated subsidiary, was updated. - FY2020-Q1Decline in net interest income and increase in other operating incomeAnnual report
「Net interest income decreased by ¥27 million year on year to ¥3,193 million. Net fees and commissions increased by ¥2 million year on year to ¥90 million. Other operating income increased by ¥174 million year on year to ¥135 million.」
Net interest income declined, while net fees and commissions and other operating income increased. The actual revenue mix was updated, including the increase in other operating income associated with Tomato Lease becoming a consolidated subsidiary. - FY2019Update to targets, actual results and declining revenueAnnual report
「<Management Targets (Non-consolidated)> Item FY2020 Target FY2018 Actual Growth Deposits ¥1.175 trillion ¥1.1395 trillion Loans ¥1.012 trillion ¥987.8 billion Number of business borrowers 11,000 10,530 Profitability Core net business profit ¥2.1 billion ¥1.9 billion Net income ¥1.5 billion ¥1.2 billion」
FY2018 actual results against the FY2020 targets were updated. Deposits, loans and the number of business borrowers moved closer to their targets, while core net business profit and net income remained below target. - FY2019-Q3Decline in revenue sources and profitAnnual report
「Net interest income decreased by ¥163 million year on year to ¥9,721 million. Net fees and commissions decreased by ¥160 million year on year to ¥375 million.」
Net interest income and net fees and commissions both declined year on year, while consolidated ordinary revenue decreased by ¥497 million. Actual figures relating to revenue-source diversification were updated. - FY2019-Q2Update to actual revenue mixAnnual report
「Net interest income decreased by ¥173 million year on year to ¥6,440 million.」
Net interest income declined year on year. Ordinary revenue by service comprised ¥6,255 million from lending operations, ¥827 million from securities investment operations and ¥1,807 million from Other, updating the scale and composition of revenue sources. - FY2019-Q1Change in the composition and scale of revenue sourcesAnnual report
「Net interest income decreased by ¥139 million year on year to ¥3,221 million. Net fees and commissions decreased by ¥36 million year on year to ¥87 million.」
Year-on-year declines in both net interest income and net fees and commissions were disclosed, updating the actual figures for the composition and scale of revenue sources. - FY2018AdvancedAnnual report
「Management Targets Item FY2020 Target Growth Deposits ¥1.175 trillion Loans ¥1.012 trillion Number of business borrowers 11,000 Profitability Core net business profit ¥2.1 billion Net income ¥1.5 billion Soundness Capital adequacy ratio 8% or higher Ratio of disclosed claims under the Financial Reconstruction Act Approximately 2%」
The new medium-term plan set numerical targets for deposits, loans, the number of business borrowers, profitability, the capital adequacy ratio and the non-performing loan ratio, with FY2020 as the deadline. - FY2018-Q3Change in actual revenue mixAnnual report
「Net interest income decreased by ¥245 million year on year to ¥9,884 million.」
While net interest income declined, net fees and commissions increased by ¥36 million year on year to ¥536 million, and fees and commissions increased by ¥134 million to ¥2,493 million. Although no explicit link was made to the goal of diversifying revenue sources, the change in revenue mix was disclosed in numerical terms. - FY2017RestatedAnnual report
「The company will contribute to regional development and revitalization by evolving its sales and investment capabilities and diversifying its revenue sources.」
The company continues to build its business model by evolving its sales and investment capabilities and diversifying its revenue sources. - FY2016First statedAnnual report
「The company will diversify its revenue sources and build a business model with strong growth potential.」
As a basic policy of its medium-term management plan, the company has set out diversification away from its conventional earnings structure.