Results for this period
Full year1 April 2025 to 31 March 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
The shaded area represents net assets as a proportion of total assets. It is calculated from the two amounts reported by the company.
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Higher interest income on loans led to an increase in funds investment income; income from fees and commissions increased; and higher gains on sales of shares and other securities led to an increase in other ordinary income. On the expense side, interest expense on deposits increased, as did the provision for loan losses associated with support for the business recovery of client companies.
Not applicable.
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025 to 31 March 2026 |
| Net Sales | ¥104,775 million (ordinary income) (YoY +10.1%) |
| Ordinary income | ¥24,360 million (YoY +4.2%) |
| Profit attributable to owners of the parent | ¥16,163 million (YoY +2.0%) |
| Net income per share | ¥83.85 |
| Total assets | ¥5,204,096 million |
| Net assets | ¥297,373 million |
| Cash flows from operating activities | ¥17,481 million |
| Cash flows from investing activities | ¥-35,805 million |
| Cash flows from financing activities | ¥-5,693 million |
| Cash and cash equivalents at end of period | ¥480,962 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥26,600 million (YoY +9.1%) / Net income ¥17,850 million (YoY +10.4%) |
| Annual Dividend Forecast | ¥26 per share → ¥30 per share |
| Payout ratio | Current fiscal year 31 % / Next-year forecast 32.2 % |
| Shareholder Return Policy | Gradually increase the payout ratio to at least 35% and the total payout ratio to at least 40% by fiscal 2028 |
| Depreciation and amortization | ¥2,006 million |
| Impairment loss | ¥201 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on disposal of fixed assets / Amount ¥14 million / Extraordinary loss Item Losses on disposal of fixed assets / Amount ¥66 million, Item Impairment Losses / Amount ¥201 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| Material subsequent events | Not applicable. |
| Availability of Supplementary Financial Results Materials | Yes |
| Factors Behind Changes in Business Performance | Higher interest income on loans led to an increase in funds investment income; income from fees and commissions increased; and higher gains on sales of shares and other securities led to an increase in other ordinary income. On the expense side, interest expense on deposits increased, as did the provision for loan losses associated with support for the business recovery of client companies. |
Items this document does not state (13)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Interest income on loans increased, resulting in higher funds investment income; income from fees and commissions also increased; and gains on sales of shares and other securities increased, resulting in higher other ordinary income. Ordinary expenses also increased, due to higher interest expense on deposits and an increase in provision for loan losses associated with support for the business recovery of client companies.