Contraction in Net Fees and Commissions Due to Declining Fees Received
First written in FY2017-Q3. 17 of 34 entries say "Worsened", first in FY2018-Q2. Latest entry: FY2026.
The Kita-Nippon Bank moved to the "Worse" side of this theme in 2023, 2 years before the typical company in this theme (2025).
The whole theme swung hardest in 2025: 3 of 8 companies on the "Worse" side.
2 other companies' latest entry also says "Mitigated".
- FY2026MitigatedAnnual report
「Fees and commissions income for the current consolidated fiscal year decreased by ¥50 million year on year to ¥2,849 million, mainly because fees received from over-the-counter insurance sales services declined. Fees and commissions expenses decreased by ¥68 million year on year to ¥2,252 million, mainly because loan guarantee fees and other expenses declined.」
Although income from fees received declined, fees and commissions expenses decreased by more, increasing net fees and commissions income from ¥578 million to ¥597 million. - 2026-05-13MitigatedEarnings
「Fees and commissions increased by ¥19 million year on year, to ¥597 million.」
Consolidated fees and commissions increased from ¥578 million in the previous fiscal year to ¥597 million. - FY2026-H1WorsenedAnnual report
「Fees and commissions income for the current interim consolidated period decreased by ¥14 million compared with the previous interim consolidated period to ¥1,356 million, mainly because fees received from over-the-counter insurance sales services declined. Fees and commissions expenses increased by ¥30 million to ¥1,287 million, mainly because loan guarantee fees and other expenses increased.」
Lower fees received from over-the-counter insurance sales services and higher loan guarantee fees and other expenses narrowed net fees and commissions from ¥113 million in the same period of the previous year to ¥69 million. - FY2025WorsenedAnnual report
「Fees and commissions income for the current consolidated fiscal year increased by ¥91 million year on year to ¥2,900 million, mainly because fees received from investment trust services increased. Fees and commissions expenses increased by ¥215 million year on year to ¥2,321 million, mainly because loan guarantee fees and other expenses increased.」
Fees and commissions income increased due to higher fees received and other factors, but expenses increased by more, reducing net fees and commissions income from ¥703 million to ¥578 million. - FY2025-H1MitigatedAnnual report
「Fees and commissions income for the current interim consolidated period increased by ¥28 million compared with the previous interim consolidated period to ¥1,370 million, mainly because fees received from over-the-counter insurance sales services increased. Fees and commissions expenses increased by ¥27 million to ¥1,257 million, mainly because loan guarantee fees and other expenses increased.」
Both fees and commissions income and expenses increased, but the increase in income exceeded the increase in expenses by ¥1 million, resulting in net fees and commissions of ¥111 million. - FY2024WorsenedAnnual report
「Fees and commissions income for the current consolidated fiscal year decreased by ¥106 million year on year to ¥2,809 million, mainly because fees received from deposit and lending services declined. Fees and commissions expenses increased by ¥11 million year on year to ¥2,106 million, mainly because securities brokerage fees increased.」
Lower fees received and higher fees and commissions expenses narrowed net fees and commissions income from ¥820 million to ¥703 million. - FY2024-Q3WorsenedAnnual report
「Fees and commissions income for the third quarter of the current consolidated cumulative period decreased by ¥59 million year on year to ¥2,044 million, mainly because fees received from investment trust services declined. Fees and commissions expenses decreased by ¥57 million year on year to ¥1,534 million, mainly because loan guarantee fees and other expenses declined.」
Fees and commissions income declined, mainly because fees received from investment trust services decreased. Expenses also declined, but net fees and commissions narrowed from ¥512 million in the same period of the previous year to ¥510 million. - FY2024-Q2WorsenedAnnual report
「Fees and commissions income for the second quarter of the current consolidated cumulative period decreased by ¥59 million year on year to ¥1,342 million, mainly because fees received from investment trust services declined. Fees and commissions expenses increased by ¥10 million year on year to ¥1,230 million, mainly because loan guarantee fees and other expenses increased.」
Fees and commissions income declined, mainly because fees received from investment trust services decreased, while expenses increased due to higher loan guarantee fees and other expenses. Net fees and commissions narrowed from ¥181 million in the same period of the previous year to ¥111 million. - FY2024-Q1WorsenedAnnual report
「Fees and commissions income for the first quarter of the current consolidated cumulative period decreased by ¥8 million year on year to ¥677 million, mainly because investment trust services declined. Fees and commissions expenses increased by ¥2 million year on year to ¥610 million, mainly because loan guarantee fees and other expenses increased.」
Fees and commissions income declined while fees and commissions expenses increased, causing net fees and commissions to narrow from ¥77 million in the same period of the previous year to ¥66 million. - FY2023-Q3WorsenedAnnual report
「Fees and commissions income for the third quarter of the current consolidated cumulative period decreased by ¥65 million year on year to ¥2,103 million, mainly because fees received from foreign exchange services declined. Fees and commissions expenses increased by ¥56 million year on year to ¥1,591 million, mainly because loan guarantee fees and other expenses increased.」
Fees and commissions income declined, mainly because fees received from foreign exchange services decreased, while expenses increased due to higher loan guarantee fees and other expenses. Net fees and commissions narrowed from ¥633 million in the same period of the previous year to ¥512 million. - FY2023-Q2WorsenedAnnual report
「Fees and commissions income for the second quarter of the current consolidated cumulative period decreased by ¥39 million year on year to ¥1,401 million, mainly because fees received from foreign exchange services declined. Fees and commissions expenses increased by ¥14 million year on year to ¥1,220 million, mainly because loan guarantee fees and other expenses increased.」
Fees and commissions income, including fees received, declined while fees and commissions expenses increased, causing net fees and commissions to narrow from ¥234 million in the same period of the previous year to ¥181 million. - FY2023-Q1WorsenedAnnual report
「Fees and commissions income for the first quarter of the current consolidated cumulative period decreased by ¥29 million year on year to ¥685 million, mainly because foreign exchange services declined. Fees and commissions expenses increased by ¥12 million year on year to ¥608 million, mainly because loan guarantee fees and other expenses increased.」
Fees and commissions income declined due to lower foreign exchange services and other factors, while expenses increased due to higher loan guarantee fees and other expenses. As a result, net fees and commissions narrowed from ¥117 million in the same period of the previous year to ¥77 million. - FY2022MitigatedAnnual report
「Fees and commissions income for the current consolidated fiscal year increased by ¥317 million year on year to ¥2,842 million, mainly because fees received from deposit and lending services increased.」
Higher fees received increased fees and commissions income, improving net fees and commissions income from ¥442 million in the previous fiscal year to ¥728 million. - FY2022-Q3MitigatedAnnual report
「Fees and commissions income for the third quarter of the current consolidated cumulative period increased by ¥323 million year on year to ¥2,168 million, mainly because fees received from deposit and lending services increased. Fees and commissions expenses increased by ¥36 million year on year to ¥1,535 million, mainly because loan guarantee fees and other expenses increased.」
Higher fees received increased fees and commissions income by ¥323 million year on year. As this exceeded the increase in expenses, net fees and commissions improved from ¥345 million to ¥633 million. - FY2022-Q2MitigatedAnnual report
「Fees and commissions income for the second quarter of the current consolidated cumulative period increased by ¥212 million year on year to ¥1,440 million, mainly because fees received from deposit and lending services increased. Fees and commissions expenses increased by ¥18 million year on year to ¥1,206 million, mainly because loan guarantee fees and other expenses increased.」
The increase in fees and commissions income exceeded the increase in expenses, improving net fees and commissions from ¥39 million in the same period of the previous year to ¥234 million. - FY2022-Q1MitigatedAnnual report
「Fees and commissions income for the first quarter of the current consolidated cumulative period increased by ¥86 million year on year to ¥714 million, mainly because fees received from deposit and lending services and investment trust services increased. Fees and commissions expenses increased by ¥5 million year on year to ¥596 million.」
Higher fees received increased fees and commissions income from ¥628 million to ¥714 million, improving net fees and commissions from ¥37 million in the same period of the previous year to ¥117 million. - FY2021MitigatedAnnual report
「Fees and commissions income for the current consolidated fiscal year decreased by ¥138 million year on year to ¥2,525 million, mainly because fees received from investment trust services declined. Fees and commissions expenses also decreased by ¥343 million year on year to ¥2,083 million, mainly because loan guarantee fees and other expenses declined.」
Although income from fees received declined, the decrease in fees and commissions expenses was larger, improving net fees and commissions income from ¥237 million to ¥442 million. - FY2021-Q3MitigatedAnnual report
「Fees and commissions income for the third quarter of the current consolidated cumulative period decreased by ¥114 million year on year to ¥1,845 million, mainly because fees received from investment trust services declined. Fees and commissions expenses also decreased by ¥328 million year on year to ¥1,499 million, mainly because loan guarantee fees and other expenses declined.」
Although fees and commissions income declined, fees and commissions expenses decreased by more, improving net fees and commissions from ¥131 million in the same period of the previous year to ¥345 million. - FY2021-Q2WorsenedAnnual report
「Fees and commissions income for the second quarter of the current consolidated cumulative period decreased by ¥82 million year on year to ¥1,228 million, mainly because fees received from investment trust services declined. Fees and commissions expenses decreased by ¥23 million year on year to ¥1,188 million, mainly because loan guarantee fees and other expenses declined.」
The decrease in fees and commissions income exceeded the decrease in expenses, and net fees and commissions narrowed from ¥99 million in the same period of the previous year to ¥39 million. - FY2021-Q1WorsenedAnnual report
「Fees and commissions income for the first quarter of the current consolidated cumulative period decreased by ¥41 million year on year to ¥628 million, mainly because fees received from investment trust services declined. Fees and commissions expenses also decreased by ¥10 million year on year to ¥591 million, mainly because investment trust outsourcing fees declined.」
The decrease in fees and commissions income exceeded the decrease in expenses, and net fees and commissions narrowed from ¥67 million in the same period of the previous year to ¥37 million. The decline in fees received from investment trust services was cited as a factor. - FY2020WorsenedAnnual report
「Fee and commission income for the fiscal year decreased by ¥50 million from the previous fiscal year to ¥2,663 million, mainly because fees received from over-the-counter insurance sales declined. Fee and commission expenses increased by ¥14 million to ¥2,426 million, mainly because loan guarantee fees and related expenses increased.」
Due to lower fees and commissions income and higher expenses, net fees and commissions income narrowed from ¥300 million to ¥237 million. - FY2020-Q3WorsenedAnnual report
「Fee and commission income for the cumulative third quarter decreased by ¥100 million from the cumulative third quarter of the previous fiscal year to ¥1,959 million, mainly because fees received from over-the-counter insurance sales declined. Fee and commission expenses increased by ¥10 million to ¥1,827 million, mainly because loan guarantee fees and related expenses increased.」
Lower fees received and higher fee and commission expenses reduced net fees and commissions from ¥241 million in the previous year to ¥131 million. - FY2020-Q2WorsenedAnnual report
「Fee and commission income for the cumulative second quarter decreased by ¥28 million from the cumulative second quarter of the previous fiscal year to ¥1,310 million, mainly because fees received from over-the-counter insurance sales declined. Although loan guarantee fees and related expenses decreased, fee and commission expenses increased by ¥1 million to ¥1,211 million, mainly because fees paid increased.」
Fee and commission income declined while fee and commission expenses increased slightly, reducing net fees and commissions from ¥128 million in the previous year to ¥99 million. - FY2020-Q1MitigatedAnnual report
「Fee and commission income for the cumulative first quarter increased by ¥10 million from the cumulative first quarter of the previous fiscal year to ¥669 million, mainly because deposit-taking and lending operations increased. Fee and commission expenses decreased by ¥2 million to ¥601 million, mainly because loan guarantee fees and related expenses declined.」
Net fees and commissions improved from ¥56 million in the previous year to ¥67 million, owing to higher fee and commission income and lower fee and commission expenses. - FY2019MitigatedAnnual report
「Fee and commission income for the fiscal year increased by ¥151 million from the previous fiscal year to ¥2,713 million, mainly because fees received from over-the-counter insurance sales increased. Although loan guarantee fees and related expenses increased, fee and commission expenses decreased by ¥188 million to ¥2,412 million, mainly because securities brokerage commissions declined.」
Net fees and commissions improved from negative ¥38 million in the previous fiscal year to ¥300 million, owing to higher fee and commission income and lower expenses. - FY2019-Q3MitigatedAnnual report
「Fee and commission income for the cumulative third quarter increased by ¥134 million from the cumulative third quarter of the previous fiscal year to ¥2,059 million, mainly because fees received from over-the-counter insurance sales increased. Although loan guarantee fees and related expenses increased, fee and commission expenses decreased by ¥10 million to ¥1,817 million, mainly because securities brokerage commissions declined.」
Net fees and commissions improved from negative ¥397 million in the previous year to ¥292 million, owing to higher fee and commission income and lower fee and commission expenses. - FY2019-Q2MitigatedAnnual report
「Fee and commission income for the cumulative second quarter increased by ¥83 million from the cumulative second quarter of the previous fiscal year to ¥1,338 million, mainly because fees received from over-the-counter insurance sales increased. Although loan guarantee fees and related expenses increased, fee and commission expenses decreased by ¥1 million to ¥1,210 million, mainly because securities brokerage commissions declined.」
Net fees and commissions increased from ¥44 million in the previous year to ¥128 million, owing to higher fee and commission income and a slight decrease in fee and commission expenses. - FY2019-Q1MitigatedAnnual report
「Fee and commission income for the cumulative first quarter increased by ¥51 million from the cumulative first quarter of the previous fiscal year to ¥659 million, mainly because fees received from over-the-counter insurance sales increased. Fee and commission expenses increased by ¥14 million to ¥603 million, mainly because loan guarantee fees and related expenses increased.」
The increase in fee and commission income exceeded the increase in expenses, expanding net fees and commissions from ¥19 million in the previous year to ¥56 million. - FY2018WorsenedAnnual report
「Fee and commission income for the fiscal year increased by ¥1 million from the previous fiscal year to ¥2,562 million, mainly because fees received from deposit-taking and lending operations increased. Fee and commission expenses increased by ¥374 million to ¥2,600 million, mainly because loan guarantee fees and related expenses increased.」
Fee and commission income increased slightly, while expenses increased significantly, causing net fees and commissions to deteriorate from ¥334 million in the previous fiscal year to negative ¥38 million. - FY2018-Q3WorsenedAnnual report
「Fee and commission income for the cumulative third quarter increased by ¥1 million from the cumulative third quarter of the previous fiscal year to ¥1,925 million, mainly because fees received from deposit-taking and lending operations and investment trust services increased. Fee and commission expenses increased by ¥172 million to ¥1,827 million, mainly because loan guarantee fees and related expenses increased.」
Fee and commission income increased slightly, while fee and commission expenses increased by ¥172 million, reducing net fees and commissions by ¥172 million year on year to ¥97 million. - FY2018-Q2WorsenedAnnual report
「Fee and commission income for the cumulative second quarter decreased by ¥23 million from the cumulative second quarter of the previous fiscal year to ¥1,255 million, mainly because fees received from over-the-counter insurance sales declined. Fee and commission expenses increased by ¥120 million to ¥1,211 million, mainly because loan guarantee fees and related expenses increased.」
Fee and commission income declined while fee and commission expenses increased, reducing net fees and commissions by ¥142 million year on year to ¥44 million. - FY2018-Q1Continued deterioration in net fees and commissionsAnnual report
「Fee and commission income for the cumulative first quarter decreased by ¥11 million from the cumulative first quarter of the previous fiscal year to ¥608 million, mainly because fees received from over-the-counter insurance sales declined. Fee and commission expenses increased by ¥50 million to ¥589 million, mainly because loan guarantee fees and related expenses increased.」
Fee and commission income decreased by ¥11 million, while fee and commission expenses increased by ¥50 million, reducing net fees and commissions to ¥19 million. - FY2017RestatedAnnual report
「Fee and commission income for the fiscal year decreased by ¥235 million from the previous fiscal year to ¥2,561 million, mainly because fees received from investment trust services declined. Fee and commission expenses increased by ¥91 million to ¥2,226 million, mainly because loan guarantee fees and related expenses increased.」
The full-year results also confirmed a contraction in net fees and commissions due to lower fees received and higher loan guarantee fees and related expenses. - FY2017-Q3First statedAnnual report
「Fee and commission income for the cumulative third quarter decreased by ¥187 million from the cumulative third quarter of the previous fiscal year to ¥1,924 million, mainly because fees received from deposit-taking and lending operations and investment trust services declined. Fee and commission expenses increased by ¥57 million to ¥1,655 million, mainly because loan guarantee fees and related expenses increased.」
Fee and commission income declined because fees received decreased, while fee and commission expenses increased, resulting in a ¥243 million year-on-year decrease in net fees and commissions to ¥269 million.