Preferential Rates and Customer-Segment Promotions
First written in FY2017-Q1. 15 of 29 entries say "Worsened", first in FY2020-Q1. Latest entry: 2026-07-31.
Orient moved to the "Worse" side of this theme in 2019.
0 other companies' latest entry also says "Worsened".
- 2026-07-31WorsenedEarnings
「The loan balance decreased year on year, mainly because new business declined.」
The loan balance continued to decline because new business decreased. - FY2026WorsenedAnnual report
「Loan balances declined year on year due in part to a decrease in new loan originations.」
Loan balances have continued to decline because new loan originations have decreased, despite ongoing efforts to drive utilization of loan cards and other products. - 2026-05-15WorsenedEarnings
「The loan balance decreased year on year, mainly because new business declined.」
The decline in new business was cited as a factor behind the full-year decrease in the loan balance. - FY2026-H1WorsenedAnnual report
「The loan balance decreased year on year, mainly because new business declined.」
Loan balances declined year on year due to a decrease in new loan originations. - FY2024-Q3WorsenedAnnual report
「The loan balance decreased year on year, mainly because new business declined.」
Loan balances declined year on year due to a decrease in new loan originations. - FY2024-Q1RestatedAnnual report
「Loan balances declined year on year as demand for funds failed to return to pre-pandemic levels.」
The company continues to report that demand for funds has not returned to pre-pandemic levels and that loan balances are declining year on year. - FY2023WorsenedAnnual report
「During the current cumulative consolidated fiscal year, loan balances also declined year on year as demand for funds failed to return to pre-pandemic levels. As a result, business revenue from card shopping was ¥52.3 billion, up 0.9% year on year, while business revenue from lending was ¥18.1 billion, down 4.8% year on year.」
Demand for funds failed to return to pre-pandemic levels, causing loan balances to decline and lending revenue to fall 4.8% year on year. - FY2023-Q3RestatedAnnual report
「During the cumulative third quarter of the current consolidated fiscal year, loan balances also declined year on year as demand for funds failed to return to pre-pandemic levels.」
The company continues to report that loan balances are below the year-earlier level and that demand for funds has not returned to pre-pandemic levels. - FY2023-Q1WorsenedAnnual report
「Loan balances declined year on year as demand for funds failed to return to pre-pandemic levels.」
Loan balances declined year on year, and demand for funds has not returned to pre-pandemic levels. - FY2022-Q3AdvancedAnnual report
「Lending was affected by lower demand for funds resulting from the decline in personal consumption during the COVID-19 pandemic. Although loan balances declined from the end of the previous fiscal year, new loan originations turned positive year on year, indicating signs of a bottom.」
Loan balances declined from the end of the previous fiscal year, but new loan originations turned positive year on year, indicating signs of a bottom. - FY2022-Q1New lending volume exceeded the previous year, but balances declinedAnnual report
「Although lending balances declined from the end of the previous fiscal year, new lending volume gradually recovered and exceeded the previous year.」
Loan balances declined from the end of the previous fiscal year, while new loan originations recovered and exceeded the previous year. - FY2021WorsenedAnnual report
「Lending balances declined from the end of the previous fiscal year due to a decline in new lending volume and other factors, as consumer spending weakened because people refrained from going out and travelling amid the COVID-19 pandemic, while demand for funds also declined against the backdrop of the temporary increase in household income following payment of the special fixed benefit.」
Lending balances declined from the end of the previous fiscal year due to lower demand for funds and a decline in new lending volume, while lending business revenue was ¥21.8 billion, down 15.1% year on year. - FY2021-Q3WorsenedAnnual report
「Lending balances declined from the end of the previous fiscal year due to a decline in new lending volume and other factors, as consumer spending weakened because people refrained from going out and travelling amid the COVID-19 pandemic, while demand for funds also declined against the backdrop of higher household income following payment of the special fixed benefit.」
Lending balances declined from the end of the previous fiscal year due to lower demand for funds and a decline in new lending volume. - FY2021-Q2WorsenedAnnual report
「Lending balances declined from the end of the previous fiscal year due to a decline in new lending volume and other factors, as consumption such as travel and accommodation remained weak and demand for funds declined following payment of the special benefit.」
Lending balances declined from the end of the previous fiscal year due to lower demand for funds and a decline in new lending volume. - FY2021-Q1WorsenedAnnual report
「Lending balances fell below the year-earlier period as demand for funds declined due to requests to refrain from going out and other factors.」
Lending balances fell below the year-earlier period as demand for funds declined due to requests to refrain from going out and other factors. - FY2020WorsenedAnnual report
「The company implemented initiatives to promote usage among new loan-card members and other measures, but lending balances fell below the end of the previous fiscal year.」
The company implemented initiatives to promote loan-card usage, while lending balances fell below the end of the previous fiscal year and lending business revenue declined 5.5% year on year. - FY2020-Q3WorsenedAnnual report
「Lending balances were below the previous year, but the company continues to focus on initiatives to promote loan-card usage and other measures.」
The company continues initiatives to promote loan-card usage, while lending balances fell below the previous year. - FY2020-Q2WorsenedAnnual report
「Lending balances were below the previous year, but the company continues to focus on initiatives to promote loan-card usage and other measures.」
The company continues initiatives to promote loan-card usage, while lending balances fell below the previous year. Lending revenue also declined from ¥13.526 billion in the year-earlier period to ¥12.791 billion. - FY2020-Q1WorsenedAnnual report
「Lending balances were slightly below the previous year, but the company continues to focus on initiatives to promote loan-card usage and other measures.」
The company continues initiatives to promote loan-card usage, while lending balances were slightly below the previous year. - FY2019-Q3RestatedAnnual report
「The company’s focus on initiatives to promote loan-card usage and other measures kept lending balances flat, while business revenue was at approximately the previous year’s level.」
The company stated that initiatives to promote loan-card usage and other measures kept lending balances and business revenue at approximately the previous year’s levels. - FY2019-Q2RestatedAnnual report
「The company’s focus on initiatives to promote loan-card usage and other measures kept lending balances at approximately the previous year’s level, while business revenue was also at approximately the previous year’s level.」
The company stated that initiatives to promote loan-card usage and other measures kept lending balances and business revenue at approximately the previous year’s levels. - FY2019-Q1AdvancedAnnual report
「The company’s focus on initiatives to promote loan-card usage and other measures kept lending balances at approximately the previous year’s level, while business revenue was also approximately at the previous year’s level.」
The company stated that initiatives to promote loan-card usage and other measures kept lending balances at approximately the previous year’s level. - FY2018-Q3RestatedAnnual report
「Although lending revenue declined, the company continues to focus on initiatives to promote usage among new loan-card members and other measures.」
While lending revenue declined, the company continues initiatives to promote usage among new loan-card members and other measures. - FY2018-Q2RestatedAnnual report
「Although lending revenue declined, the company continues to focus on initiatives to promote usage among new loan-card members and other measures.」
While lending revenue declined, the company continues initiatives to promote usage among new loan-card members and other measures. - FY2018-Q1AdvancedAnnual report
「Although lending revenue declined, the decline in lending balances narrowed as the company strengthened initiatives to promote the use of loan cards and other measures.」
While lending revenue declined, the company strengthened initiatives to promote loan-card usage and stated that the decline in lending balances narrowed. - FY2017RestatedAnnual report
「Although lending revenue declined, the company continues to focus on preferential interest-rate initiatives and promotions for each customer segment based on usage.」
While lending revenue declined, the company continues preferential interest-rate initiatives and customer-segment promotions. - FY2017-Q3RestatedAnnual report
「Although lending revenue declined, the company continues to focus on preferential interest-rate initiatives and promotions for each customer segment based on usage.」
As lending revenue declines, the company continues preferential interest-rate initiatives and customer-segment promotions. - FY2017-Q2RestatedAnnual report
「Although lending revenue declined, the company continues to focus on preferential interest-rate initiatives and promotions for each customer segment based on usage.」
As lending revenue declines, the company continues preferential interest-rate initiatives and customer-segment promotions. - FY2017-Q1First statedAnnual report
「Although lending revenue declined, the company continues to focus on preferential interest-rate initiatives and promotions for each customer segment based on usage.」
As lending revenue declines, the company continues customer-specific initiatives involving preferential interest rates and usage-based targeting.