Provision of Products Tailored to Financial Institutions’ Needs and Proposals to Expand Loan Sales
First written in FY2017-Q1. 15 of 32 entries say "Advanced", first in FY2017-Q2. Latest entry: FY2026.
Orient moved to the "Worse" side of this theme in 2018.
4 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「In the bank guarantee business, we have been working to provide financial products and services tailored to local needs. Against the backdrop of steady growth in loan origination volumes, the guarantee balance increased from the end of the previous fiscal year. As a result, revenue from the bank guarantee business was ¥37.6 billion, up 7.4% year on year.」
The guarantee balance increased as a result of providing products and services tailored to local needs and expanding loan origination volumes. Revenue was ¥37.6 billion, up 7.4% year on year. - 2026-05-15AdvancedEarnings
「The guarantee balance increased from the end of the previous fiscal year, against a backdrop of steady growth in transaction volume for term loans.」
The guarantee balance increased on growth in term-loan transaction volume, while revenue from the bank guarantee business was ¥37.6 billion, up 7.4% year on year. - FY2026-H1AdvancedAnnual report
「In the bank guarantee business, the company is working to provide financial products and services tailored to regional needs. Supported by steady growth in term-loan volumes, guarantee balances increased from the end of the previous fiscal year. As a result, business revenue from the bank guarantee business was ¥18.5 billion, up 6.0% year on year.」
Guarantee balances increased from the end of the previous fiscal year, supported by the provision of financial products and services tailored to regional needs and growth in term-loan volumes, while business revenue was ¥18.5 billion, up 6.0% year on year. - FY2024-Q3AdvancedAnnual report
「In the bank guarantee business, the company is working to provide financial products and services tailored to regional needs. Supported by steady growth in term-loan volumes, guarantee balances increased from the end of the previous fiscal year. As a result, business revenue from the bank guarantee business was ¥24.9 billion, up 3.5% year on year.」
Guarantee balances increased from the end of the previous fiscal year, supported by the provision of financial products and services tailored to regional needs and growth in term-loan volumes. Business revenue was ¥24.9 billion, up 3.5% year on year. - FY2024-Q2AdvancedAnnual report
「In the bank guarantee business, guarantee balances increased from the end of the previous fiscal year, supported by steady growth in term-loan volumes. As a result, business revenue from the bank guarantee business was ¥16.5 billion, up 2.7% year on year.」
Guarantee balances increased, supported by growth in term-loan volumes, and cumulative second-quarter business revenue from the bank guarantee business was ¥16.5 billion, up 2.7% year on year. - FY2024-Q1AdvancedAnnual report
「In the bank guarantee business, guarantee balances increased from the end of the previous fiscal year, supported by steady growth in term-loan volumes, and business revenue also increased year on year. As a result, business revenue from the bank guarantee business was ¥8.1 billion, up 1.5% year on year.」
Guarantee balances increased from the end of the previous fiscal year, supported by growth in term-loan volumes, and business revenue was ¥8.1 billion, up 1.5% year on year. - FY2023Higher guarantee balances, lower revenueAnnual report
「In the bank guarantee business, total guarantee balances exceeded the balance at the end of the previous year, supported by steady growth in term-loan volumes. However, business revenue continued to decline, falling to ¥32.1 billion, down 3.0% year on year.」
Total guarantee balances exceeded the previous year-end level as term-loan volumes expanded, while business revenue from the bank guarantee business was ¥32.1 billion, down 3.0% year on year. - FY2023-Q3AdvancedAnnual report
「Guarantee balances overall exceeded the balance at the end of the previous fiscal year, due in part to an increase in term-loan balances resulting from the provision of products tailored to customers' diverse funding needs. As a result, business revenue from the bank guarantee business was ¥24.1 billion, down 3.3% year on year.」
Term-loan balances increased through the provision of products tailored to customer needs, causing total guarantee balances to exceed the balance at the end of the previous fiscal year. Business revenue was ¥24.1 billion, down 3.3% year on year. - FY2023-Q2Flat guarantee balances, recovery in new loan originationsAnnual report
「New loan originations, particularly term loans, are showing signs of recovery, supported by the provision of products tailored to customers' diverse funding needs, while guarantee balances ended at the same level as at the end of the previous fiscal year.」
New term-loan originations continued to show signs of recovery as products were provided to meet customer needs, while guarantee balances remained at the same level as at the end of the previous fiscal year. - FY2023-Q1AdvancedAnnual report
「In the bank guarantee business, guarantee balances have declined from the end of the previous fiscal year, but new loan originations, particularly term loans, are showing signs of recovery, supported by the provision of housing-related products tailored to customer needs.」
Guarantee balances declined, while new term-loan originations showed signs of recovery, supported by the provision of housing-related products tailored to customer needs. - FY2022-Q3AdvancedAnnual report
「In the bank guarantee business, guarantee balances have declined from the end of the previous fiscal year, but new term-loan originations are showing signs of recovery, supported by alliances with major financial institutions and the provision of housing-related products tailored to customer needs.」
Guarantee balances declined, while new term-loan originations showed signs of recovery, supported by alliances with major financial institutions and the provision of housing-related products. - FY2022-Q2AdvancedAnnual report
「In the bank guarantee business, guarantee balances have declined from the end of the previous fiscal year, but new term-loan originations are showing signs of recovery, supported by alliances with new financial institutions. As a result, business revenue from the bank guarantee business was ¥16.8 billion, down 14.1% year on year.」
New term-loan originations showed signs of recovery through alliances with new financial institutions, while guarantee balances declined from the end of the previous fiscal year and business revenue was ¥16.8 billion. - FY2022-Q1Recovery in new loan originations, declining balancesAnnual report
「In the bank guarantee business, guarantee balances have declined from the end of the previous fiscal year, but new loan originations, particularly purpose-specific loans, are showing signs of recovery.」
Bank guarantee balances declined from the end of the previous fiscal year, but new loan originations, particularly purpose-specific loans, showed signs of recovery. Business revenue was ¥8.6 billion, down 14.5% year on year. - FY2021WorsenedAnnual report
「In the bank guarantee business as well, new loan originations declined due in part to lower demand for funds during the COVID-19 pandemic, causing guarantee balances to decline from the end of the previous fiscal year. As a result, business revenue from the bank guarantee business was ¥37.7 billion, down 10.7% year on year.」
Lower demand for funds caused new loan originations and guarantee balances to decline, and business revenue from the bank guarantee business also fell to ¥37.7 billion, down 10.7% year on year. - FY2021-Q3WorsenedAnnual report
「In the bank guarantee business as well, new loan originations declined due in part to lower demand for funds during the COVID-19 pandemic, causing guarantee balances to decline from the end of the previous fiscal year. As a result, business revenue from the bank guarantee business was ¥28.7 billion, down 9.8% year on year.」
Lower demand for funds caused new loan originations and guarantee balances to decline, and business revenue also fell to ¥28.7 billion, down 9.8% year on year. - FY2021-Q2WorsenedAnnual report
「In the bank guarantee business, new loan originations declined due in part to sluggish consumption of travel and accommodation services and lower demand for funds following the payment of special benefits, causing guarantee balances to decline from the end of the previous fiscal year. As a result, business revenue from the bank guarantee business was ¥19.5 billion, down 8.9% year on year.」
Lower demand for funds and other factors caused new loan originations and guarantee balances to decline, and business revenue also fell to ¥19.5 billion, down 8.9% year on year. - FY2021-Q1WorsenedAnnual report
「In the bank guarantee business, guarantee balances declined due in part to a decrease in new loan originations resulting from lower demand for funds caused by requests to refrain from going out and other factors. The company will continue to pursue in-depth communication with financial institutions and focus on providing a broad range of products tailored to their needs. As a result, business revenue from the bank guarantee business was ¥10.0 billion (down 6.8% year on year).」
Lower demand for funds caused new loan originations and guarantee balances to decline, and business revenue also fell to ¥10.0 billion, down 6.8% year on year. Communication with financial institutions and the provision of a broad range of products have continued. - FY2020WorsenedAnnual report
「In the bank guarantee business, guarantee balances declined due in part to efforts to tighten credit management. The company will continue to pursue in-depth communication with financial institutions and focus on providing a broad range of products tailored to their needs.」
Guarantee balances continued to decline due to tighter credit management, and business revenue from the bank guarantee business was ¥42.292 billion, down 3.5% year on year. - FY2020-Q3WorsenedAnnual report
「In the bank guarantee business, guarantee balances declined due in part to efforts to tighten credit management. The company will continue to pursue in-depth communication with financial institutions and focus on providing a broad range of products tailored to their needs. As a result, business revenue from the bank guarantee business was ¥31.9 billion, down 3.3% year on year.」
Guarantee balances continued to decline due to tighter credit management, and cumulative third-quarter business revenue from the bank guarantee business was also ¥31.9 billion, down 3.3% year on year. - FY2020-Q2WorsenedAnnual report
「In the bank guarantee business, guarantee balances declined due in part to efforts to tighten credit management. The company will continue to pursue in-depth communication with financial institutions and focus on providing a broad range of products tailored to their needs. As a result, business revenue from the bank guarantee business was ¥21.4 billion (down 2.8% year on year).」
Guarantee balances continued to decline due to tighter credit management, and cumulative second-quarter business revenue from the bank guarantee business was also ¥21.4 billion, down 2.8% year on year. Communication with financial institutions and the provision of a broad range of products have continued. - FY2020-Q1WorsenedAnnual report
「In the bank guarantee business, guarantee balances declined due in part to efforts to tighten credit management. The company will continue to pursue in-depth communication with financial institutions and focus on providing a broad range of products tailored to their needs.」
Guarantee balances continued to decline due to efforts to tighten credit management, and business revenue also fell to ¥10.7 billion, down 2.2% year on year. Communication with financial institutions and the provision of a broad range of products have continued. - FY2019ReframedAnnual report
「In the bank guarantee business, the company is working to enhance its credit models using a new core system, strengthen its relationship with Mizuho Bank, Ltd., and pursue in-depth communication by making layered proposals for Orico Group payment and financial services to partner financial institutions, thereby building a stronger earnings base.」
In addition to providing products and proposing loan sales expansion measures tailored to financial institutions' needs, the company has broadened its initiatives to include enhancing credit models through the new core system and making layered proposals for payment and financial services. - FY2019-Q3RestatedAnnual report
「In the bank guarantee business, guarantee balances declined due to the impact of the "Agreement on Banks' Consumer Lending" and efforts to tighten credit management, among other factors, but revenue rose as guarantee fee rates increased. The company will continue to pursue in-depth communication with financial institutions and focus on providing a broad range of products tailored to their needs.」
The decline in guarantee balances due to the Agreement and tighter credit management has continued since the previous quarter. Meanwhile, business revenue from the bank guarantee business was ¥33.0 billion, up 1.6% year on year. - FY2019-Q2WorsenedAnnual report
「In the bank guarantee business, guarantee balances declined due to the impact of the "Agreement on Banks' Consumer Lending" and efforts to tighten credit management, among other factors, but revenue rose as guarantee fee rates increased. The company will continue to pursue in-depth communication with financial institutions and focus on providing a broad range of products tailored to their needs. As a result, business revenue from the bank guarantee business was ¥22.0 billion, up 2.5% year on year.」
The decline in guarantee balances was described as resulting from tighter credit management in addition to the impact of the Agreement on Banks' Consumer Lending, rather than the previous slight decline. Meanwhile, business revenue was ¥22.0 billion, up 2.5% year on year, due in part to higher guarantee fee rates. - FY2019-Q1WorsenedAnnual report
「In the bank guarantee business, guarantee balances declined slightly due to the "Agreement on Banks' Consumer Lending," but revenue rose as guarantee fee rates increased, among other factors. The company will continue to pursue in-depth communication with financial institutions and focus on providing a broad range of products tailored to their needs.」
The impact of the Agreement on Banks' Consumer Lending shifted guarantee balances from their previous upward trend to a slight decline. Meanwhile, business revenue was ¥11.0 billion, up 3.7% year on year, due in part to higher guarantee fee rates. - FY2018-Q3Continued balance growth, slower growth rateAnnual report
「In the bank guarantee business, guarantee balances continued to increase and revenue rose, although the rate of growth in guarantee balances slowed. The company continues to closely monitor trends in financial institutions' consumer loan operations.」
Guarantee balances continued to increase and revenue continued to rise, while the company also noted slower growth and its close monitoring of financial institutions' consumer loan operations. - FY2018-Q2AdvancedAnnual report
「In the bank guarantee business, guarantee balances continued to increase and revenue rose, although the rate of growth in guarantee balances slowed. The company continues to closely monitor trends in financial institutions' consumer loan operations.」
Guarantee balances increased despite slower growth, and business revenue from the bank guarantee business was ¥21.5 billion, up 12.2% year on year. The company also added a statement that it is closely monitoring trends in financial institutions' consumer loan operations. - FY2018-Q1AdvancedAnnual report
「In the bank guarantee business, guarantee balances continued to increase and revenue rose, supported by the provision of a broad range of products tailored to the needs of existing partner financial institutions. The number of financial institutions adopting the fully online contracting scheme, which allows contracts to be completed on the website, also increased steadily. As a result, business revenue from the bank guarantee business was ¥10.6 billion, up 12.9% year on year.」
The company continued to provide products tailored to financial institutions' needs and expand the number of institutions adopting its fully online contracting scheme. Business revenue was ¥10.6 billion, up 12.9% year on year. - FY2017AdvancedAnnual report
「In the bank guarantee business, guarantee balances continued to increase and revenue rose, supported by the provision of a broad range of products tailored to financial institutions' needs and comprehensive proposals for effective loan sales expansion measures. The number of financial institutions adopting the fully online contracting scheme, which allows contracts to be completed on the website, also increased steadily. As a result, business revenue from the bank guarantee business was ¥39.3 billion, up 12.3% year on year.」
The company continued to provide products and propose loan sales expansion measures for financial institutions, while expanding the number of institutions adopting its fully online contracting scheme. Full-year business revenue was ¥39.3 billion, up 12.3% year on year. - FY2017-Q3AdvancedAnnual report
「In the bank guarantee business, guarantee balances continued to increase and revenue rose, supported by the provision of a broad range of products tailored to financial institutions' needs and comprehensive proposals for effective loan sales expansion measures. The number of financial institutions adopting the fully online contracting scheme, which allows contracts to be completed on the website, also increased steadily. As a result, business revenue from the bank guarantee business was ¥29.1 billion, up 12.4% year on year.」
The company continued to provide products and propose loan sales expansion measures for financial institutions, while expanding the number of institutions adopting its fully online contracting scheme. Business revenue was ¥29.1 billion, up 12.4% year on year. - FY2017-Q2AdvancedAnnual report
「In the bank guarantee business, guarantee balances continued to increase and revenue rose, supported by the provision of a broad range of products tailored to financial institutions' needs and comprehensive proposals for effective loan sales expansion measures.」
The company continued its existing proposals and measures, increasing guarantee balances. Business revenue from the bank guarantee business was ¥19.1 billion, up 12.2% year on year. - FY2017-Q1First statedAnnual report
「In the bank guarantee business, guarantee balances continued to increase and revenue rose, supported by the provision of a broad range of products tailored to the needs of existing partner financial institutions amid intensifying competition, as well as comprehensive proposals for effective loan sales expansion measures.」
The company provides products tailored to the needs of existing financial institution partners and makes comprehensive proposals for measures to expand loan sales.