Earnings Structure That Offsets Declining Loan Interest with Interest and Dividends on Securities
First written in FY2016. 9 of 36 entries say "Restated". Latest entry: FY2026.
The whole theme swung hardest in 2025: 6 of 18 companies on the "Worse" side.
5 other companies' latest entry also says "Other".
- FY2026Increase in net interest incomeAnnual report
「Consolidated gross operating profit increased by ¥1,951 million from the previous fiscal year, mainly because net interest income increased by ¥1,911 million.」
Interest income increased from ¥18,296 million to ¥22,186 million because interest income on loans and interest and dividend income on securities increased, making net interest income the main driver of revenue growth. - 2026-05-13AdvancedEarnings
「Ordinary income increased by ¥3.912 billion from the previous consolidated fiscal year, to ¥30.308 billion, mainly because of increases in interest on loans and interest and dividends on securities.」
Higher interest on loans and interest and dividends on securities contributed to the increase in ordinary income. - FY2026-H1Increase in net interest income and divergence among income sourcesAnnual report
「Net interest income for the six-month interim consolidated period increased by ¥579 million from the previous interim consolidated period to ¥9,344 million, mainly because interest income on loans and interest and dividend income on securities increased. Net fees and commissions decreased by ¥44 million to ¥69 million, while net other operating income decreased by ¥15 million to ¥114 million.」
Net interest income increased because interest income on loans and interest and dividend income on securities increased, while net fees and commissions and net other operating income declined. - FY2025Improvement in net interest income and net other operating incomeAnnual report
「Consolidated gross operating profit increased by ¥2,745 million from the previous fiscal year, mainly because net interest income increased by ¥415 million and net other operating income increased by ¥2,452 million from the previous fiscal year as losses on sales of Japanese government bonds and other bonds declined.」
Net interest income increased by ¥415 million and net other operating income by ¥2,452 million, while consolidated gross operating profit increased by ¥2,745 million. Interest income on loans and interest and dividend income on securities also increased. - FY2025-H1Improvement in net interest income and net other operating incomeAnnual report
「Net interest income for the six-month interim consolidated period increased by ¥311 million from the previous interim consolidated period to ¥8,765 million, mainly because interest income on loans and interest and dividend income on securities increased. Net fees and commissions increased by ¥2 million to ¥113 million. Net other operating income increased by ¥1,867 million to ¥129 million, mainly because losses on sales of Japanese government bonds and other bonds declined.」
Net interest income increased because interest income on loans and interest and dividend income on securities increased, while net other operating income improved from negative territory to ¥129 million because losses on sales of Japanese government bonds and other bonds declined. - FY2024Increase in net interest income and divergence in the income structure due to losses on bond salesAnnual report
「Although net interest income increased by ¥1,060 million from the previous fiscal year, consolidated gross operating profit decreased by ¥1,194 million, mainly because net other operating income decreased by ¥2,136 million from the previous fiscal year as losses on sales of Japanese government bonds and other bonds increased.」
Net interest income increased, while net other operating income declined significantly because of losses on sales of Japanese government bonds and other bonds, further differentiating the trends among the traditional income sources. - FY2024-Q3Increase in net interest income and deterioration in net other operating incomeAnnual report
「Net interest income for the cumulative third quarter increased by ¥726 million from the cumulative third quarter of the previous fiscal year to ¥12,647 million, mainly because interest and dividend income on securities increased. Net fees and commissions decreased by ¥2 million to ¥510 million, mainly because fee and commission income declined. Net other operating income decreased by ¥2,004 million to negative ¥1,890 million, mainly because losses on sales of Japanese government bonds and other bonds increased.」
Net interest income increased by ¥726 million year on year, mainly because interest and dividend income on securities increased, while net fees and commissions declined slightly and net other operating income deteriorated to negative ¥1,890 million because losses on sales of Japanese government bonds and other bonds increased. - FY2024-Q2Increase in net interest income and deterioration in net other operating incomeAnnual report
「Net interest income for the cumulative second quarter increased by ¥509 million from the cumulative second quarter of the previous fiscal year to ¥8,454 million, mainly because interest and dividend income on securities increased. Net fees and commissions decreased by ¥70 million to ¥111 million, mainly because fee and commission income declined. Net other operating income decreased by ¥1,795 million to negative ¥1,738 million, mainly because losses on sales of Japanese government bonds and other bonds increased.」
Net interest income increased by ¥509 million year on year because interest and dividend income on securities increased, while net fees and commissions declined and net other operating income deteriorated significantly because losses on sales of Japanese government bonds and other bonds increased. - FY2024-Q1Increase in net interest incomeAnnual report
「Net interest income for the cumulative first quarter increased by ¥169 million from the cumulative first quarter of the previous fiscal year to ¥4,111 million, mainly because interest and dividend income on securities increased.」
Net interest income increased by ¥169 million year on year, mainly because interest and dividend income on securities increased. - FY2023-Q3Continued divergence in trends among income sourcesAnnual report
「Net interest income for the cumulative third quarter increased by ¥224 million from the cumulative third quarter of the previous fiscal year to ¥11,921 million, mainly because interest income on loans increased. Net fees and commissions decreased by ¥121 million to ¥512 million, mainly because fee and commission income declined. Net other operating income increased by ¥25 million to ¥114 million, mainly because leasing-related income increased.」
Net interest income and net other operating income increased, while net fees and commissions declined. Trends among income sources have diverged, with interest income on loans and leasing-related income increasing while fee and commission income decreased. - FY2023-Q2Increase in net interest income and divergence among income sourcesAnnual report
「Net interest income for the cumulative second quarter increased by ¥248 million from the cumulative second quarter of the previous fiscal year to ¥7,945 million, mainly because interest income on loans and interest and dividend income on securities increased. Net fees and commissions decreased by ¥53 million to ¥181 million, mainly because fee and commission income declined. Net other operating income decreased by ¥93 million to ¥57 million, mainly because losses on sales of Japanese government bonds and other bonds increased.」
Net interest income increased year on year because interest income on loans and interest and dividend income on securities increased, while net fees and commissions and net other operating income declined. - FY2023-Q1Increase in net interest income and decline in net fees and commissions and net other operating incomeAnnual report
「Net interest income for the cumulative first quarter increased by ¥150 million from the cumulative first quarter of the previous fiscal year to ¥3,942 million, mainly because interest income on loans and interest on deposits increased. Net fees and commissions decreased by ¥40 million to ¥77 million, mainly because fee and commission income declined. Net other operating income decreased by ¥78 million to ¥8 million, mainly because losses on sales of Japanese government bonds and other bonds increased.」
Net interest income increased because interest income on loans and other items increased, while net fees and commissions and net other operating income declined. Trends among the income sources have diverged, following the previous simultaneous decline in the traditional sources of income. - FY2022Increase in net interest income and net fees and commissions, and deterioration in net other operating incomeAnnual report
「Although net other operating income decreased by ¥1,033 million from the previous fiscal year, mainly because losses on sales of Japanese government bonds and other bonds increased, consolidated gross operating profit increased by ¥25 million, owing mainly to a ¥774 million increase in net interest income and a ¥286 million increase in net fees and commissions.」
Net interest income and net fees and commissions increased, while net other operating income deteriorated from ¥556 million to negative ¥477 million because losses on sales of Japanese government bonds and other bonds increased. - FY2022-Q3Increase in net interest income and net fees and commissions, and decline in net other operating incomeAnnual report
「Net interest income for the cumulative third quarter increased by ¥510 million from the cumulative third quarter of the previous fiscal year to ¥11,697 million, mainly because interest on deposits and interest income on loans increased. Net fees and commissions increased by ¥288 million to ¥633 million, mainly because fee and commission income increased. Net other operating income decreased by ¥169 million to ¥89 million, mainly because leasing-related income declined.」
Net interest income, which had previously continued to decline, increased by ¥510 million year on year, and net fees and commissions also increased by ¥288 million. Net other operating income decreased, mainly because leasing-related income declined. - FY2022-Q2Increase in investment and fee incomeAnnual report
「Net interest income for the cumulative second quarter increased by ¥297 million from the cumulative second quarter of the previous fiscal year to ¥7,697 million, mainly because interest and dividend income on securities and interest on deposits increased. Net fees and commissions increased by ¥195 million to ¥234 million, mainly because fee and commission income increased. Net other operating income decreased by ¥1 million to ¥150 million, mainly because leasing-related income declined.」
Net interest income increased by ¥297 million year on year, and net fees and commissions also increased by ¥195 million. Net other operating income, however, decreased by ¥1 million. - FY2022-Q1Increase in net interest income and divergent trends among income sourcesAnnual report
「Net interest income for the cumulative first quarter increased by ¥100 million from the cumulative first quarter of the previous fiscal year to ¥3,792 million, mainly because interest income on loans and interest on deposits increased.」
Net interest income increased by ¥100 million year on year. Interest income on loans increased from ¥2,930 million to ¥2,978 million, while interest and dividend income on securities decreased from ¥795 million to ¥787 million, marking a different trend from the previous simultaneous decline in both income sources. - FY2021ReframedAnnual report
「Ordinary income for the fiscal year increased by ¥718 million from the previous fiscal year to ¥22,412 million, mainly because income related to leasing increased despite a decline in interest income.」
In addition to the income structure based on interest income on loans and securities, leasing-related income emerged as a major driver of the increase in ordinary income. - FY2021-Q3Continued decline in net interest incomeAnnual report
「Net interest income for the cumulative third quarter decreased by ¥176 million from the cumulative third quarter of the previous fiscal year to ¥11,187 million, mainly because interest income on loans and interest and dividend income on securities declined.」
Net interest income decreased by ¥176 million year on year to ¥11,187 million, owing to declines in interest income on loans and interest and dividend income on securities. - FY2021-Q2Continued decline in net interest incomeAnnual report
「Net interest income for the cumulative second quarter decreased by ¥225 million from the cumulative second quarter of the previous fiscal year to ¥7,400 million, mainly because interest income on loans and interest and dividend income on securities declined.」
Net interest income decreased by ¥225 million year on year to ¥7,400 million, owing to declines in interest income on loans and interest and dividend income on securities. - FY2021-Q1Continued decline in net interest incomeAnnual report
「Net interest income for the cumulative first quarter decreased by ¥61 million from the cumulative first quarter of the previous fiscal year to ¥3,692 million, mainly because interest income on loans and call-loan interest declined.」
Net interest income decreased by ¥61 million year on year to ¥3,692 million. Interest income on loans increased from ¥2,930 million to ¥2,978 million, while interest and dividend income on securities decreased from ¥795 million to ¥787 million, indicating divergent trends among the traditional sources of income. - FY2020WorsenedAnnual report
「Ordinary income for the fiscal year decreased by ¥77 million from the previous fiscal year to ¥21,694 million, mainly because interest income on loans declined as loan yields fell, and interest and dividend income on securities decreased in connection with bond redemptions and other factors.」
Both interest income on loans and interest and dividend income on securities decreased, reducing ordinary income from ¥21,771 million to ¥21,694 million. - FY2020-Q3RestatedAnnual report
「Funds investment income for the first nine months of the current consolidated fiscal year decreased by ¥194 million from the first nine months of the previous consolidated fiscal year to ¥11,363 million, due mainly to decreases in interest on loans and interest and dividends on securities」
Funds investment income continues to decline due to decreases in interest on loans and interest and dividends on securities. - FY2020-Q2RestatedAnnual report
「Funds investment income for the first six months of the current consolidated fiscal year decreased by ¥49 million from the first six months of the previous consolidated fiscal year to ¥7,625 million, due mainly to decreases in interest on loans and interest and dividends on securities」
Funds investment income decreased by ¥49 million year on year. Funds investment income, including interest on loans and other items, continues to decline amid the low-interest-rate environment. - FY2020-Q1RestatedAnnual report
「Funds investment income for the first quarter of the current consolidated fiscal year decreased by ¥100 million from the first quarter of the previous consolidated fiscal year to ¥3,753 million, due mainly to decreases in interest on loans and interest and dividends on securities」
Interest on loans and interest and dividends on securities both decreased, causing funds investment income to decline by ¥100 million year on year. The decline in both earnings sources is continuing amid the low-interest-rate environment. - FY2019WorsenedAnnual report
「Ordinary income for the consolidated fiscal year decreased by ¥3,892 million from the previous consolidated fiscal year to ¥21,771 million, due to decreases in interest on loans resulting from lower loan yields and decreases in interest and dividends on securities associated with bond redemptions and other factors.」
Interest on loans and interest and dividends on securities both decreased, causing ordinary income to fall from ¥25,663 million in the previous fiscal year to ¥21,771 million. The former earnings offset provided by interest on securities has weakened. - FY2019-Q3RestatedAnnual report
「Funds investment income for the first nine months of the current consolidated fiscal year decreased by ¥462 million from the first nine months of the previous consolidated fiscal year to ¥11,557 million, due mainly to decreases in interest on loans and interest and dividends on securities」
Due to decreases in interest on loans and interest and dividends on securities, funds investment income decreased by ¥462 million year on year. The decline in both earnings sources is continuing. - FY2019-Q2RestatedAnnual report
「Funds investment income for the first six months of the current consolidated fiscal year decreased by ¥279 million from the first six months of the previous consolidated fiscal year to ¥7,674 million, due mainly to decreases in interest on loans and interest and dividends on securities」
Due to decreases in interest on loans and interest and dividends on securities, funds investment income decreased by ¥279 million year on year. The decline in both earnings sources is continuing. - FY2019-Q1RestatedAnnual report
「Funds investment income for the first quarter of the current consolidated fiscal year decreased by ¥201 million from the first quarter of the previous consolidated fiscal year to ¥3,853 million, due mainly to decreases in interest on loans and interest and dividends on securities」
Interest on loans and interest and dividends on securities both decreased, causing funds investment income to decline by ¥201 million year on year. The decline in both earnings sources is continuing. - FY2018-Q3RestatedAnnual report
「Funds investment income for the first nine months of the current consolidated fiscal year decreased by ¥293 million from the first nine months of the previous consolidated fiscal year to ¥12,019 million, due mainly to decreases in interest on loans and interest and dividends on securities」
Interest on loans and interest and dividends on securities both decreased, causing funds investment income to decline by ¥293 million year on year. The decline in interest income is continuing. - FY2018-Q2Continued decline in interest incomeAnnual report
「Funds investment income for the first six months of the current consolidated fiscal year decreased by ¥219 million from the first six months of the previous consolidated fiscal year to ¥7,953 million, due mainly to decreases in interest on loans and interest and dividends on securities」
Interest on loans and interest and dividends on securities both decreased, causing funds investment income to decline by ¥219 million year on year. However, ordinary income increased by ¥247 million year on year due to increases in reversal of loan-loss provisions and gains on sales of stocks and other securities. - FY2018-Q1Continued decline in earningsAnnual report
「Ordinary income for the first quarter of the current consolidated fiscal year (1 April 2017 to 30 June 2017) decreased by ¥188 million from the first quarter of the previous consolidated fiscal year to ¥5,634 million, mainly because funds investment income decreased as a result of lower interest on loans due to lower loan yields and lower interest and dividends on securities due to bond redemptions and other factors.」
Interest on loans and interest and dividends on securities both decreased, causing ordinary income to decline by ¥188 million year on year. The decline in earnings sources that began in the previous fiscal year is shown again. - FY2017RestatedAnnual report
「Ordinary income for the consolidated fiscal year decreased by ¥1,224 million from the previous consolidated fiscal year to ¥23,953 million, due mainly to decreases in funds investment income and income from fees and commissions.」
Both interest on loans and interest and dividends on securities decreased, causing funds investment income to fall from ¥17,832 million in the previous fiscal year to ¥16,677 million. - FY2017-Q3RestatedAnnual report
「Ordinary income for the first nine months of the current consolidated fiscal year decreased by ¥1,139 million from the first nine months of the previous consolidated fiscal year to ¥17,950 million, due to decreases in interest on loans resulting from lower loan yields and other factors, as well as decreases in interest and dividends on securities resulting from lower market interest rates and other factors.」
Interest on loans and interest and dividends on securities both decreased in the first nine months, causing ordinary income to decline by ¥1,139 million year on year. The simultaneous decline in earnings sources has been reaffirmed. - FY2017-Q2Simultaneous decline in earnings sourcesAnnual report
「Ordinary income decreased by ¥1,042 million from the first six months of the previous consolidated fiscal year to ¥11,723 million, due to decreases in interest on loans resulting from lower loan yields and other factors, as well as decreases in interest and dividends on securities resulting from lower market interest rates and other factors.」
In addition to interest on loans, interest and dividends on securities also decreased, causing ordinary income to decline by ¥1,042 million year on year. Ordinary income also decreased to ¥1,801 million. - FY2017-Q1Weaker earnings offsetAnnual report
「Ordinary income for the first quarter of the current consolidated fiscal year decreased by ¥986 million from the first quarter of the previous consolidated fiscal year to ¥5,822 million, due to a decrease in interest and dividends on securities in addition to a decrease in interest on loans resulting from lower loan yields and other factors.」
Both interest on loans and interest and dividends on securities decreased year on year, and the offset previously provided by interest and dividends on securities was not evident in the current quarter. - FY2016First statedAnnual report
「Ordinary income for the consolidated fiscal year increased by ¥324 million from the previous consolidated fiscal year to ¥25,177 million, as an increase in interest and dividends on securities and other factors more than offset the decrease in interest on loans resulting from lower loan yields and other factors.」
Interest on loans was ¥12,999 million and interest and dividends on securities were ¥4,716 million, indicating an earnings structure shaped by the low-interest-rate environment.