Worth reading
48Recurring
Scored from 5 of 6 sectionsDirection
Neutral
Direction inferred from the company’s description.Scale
—
Displayed only when the document provides numerical figures.Wording
Conditional
How definitive the wording is.Contents of this document
Summary of Q&AFY20256 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Full-year earnings forecast
Consolidated net income
¥300 hundred million
Target fiscal yearFY2028
01 Bank loss for the period
¥28 hundred million
Target fiscal yearFiscal 2026
01 Bank net income
30 Approximately ¥100 million
Target fiscal yearFY2028
What the company explained in this material
Key points of the Q&AKey questions raised by investors at the briefing and the company's answers
- Deposit growth, the loan-to-deposit ratio and deposit profitability: The company plans to increase individual deposits by ¥110 billion, corporate deposits by ¥60 billion, and interest-bearing individual deposits by ¥30 billion. It will manage the balance against interest costs.
- Securities investment: In light of liquidity risk, the company will combine other securities with securities held to maturity.
- 01 Bank profitability: The plan calls for a ¥2.8 billion loss in FY2026 and approximately ¥3 billion in profit in FY2028. Building up the outstanding loan balance and number of borrowers remains a challenge.
- 池田泉州・滋賀 alliance: The 0.5–1% cross-shareholding ratio is not a fixed upper limit and could be increased depending on discussions.
- Digital talent: The company plans to increase its digital-based talent by approximately 200 people through development of existing personnel rather than mid-career hiring.
New initiatives
- Offering the Children's Dreams Support Time Deposit
- Considering the provision of BaaS with 阪急阪神ホールディングス
- Offline sales by 01 Bank to tax accountant corporations, chambers of commerce and other organizations
- 01 Bank's accumulation of data and upgrading of its credit model
- Capital alliance under the 池田泉州・滋賀 alliance
- Internal development of digital-based talent
Key KPIsA metric the company considers important as a management benchmark.
- Loan-to-deposit ratio83 %
- Individual deposit growth plan (foundation and affinity)¥1,100 hundred million
- Corporate deposit growth plan¥600 hundred million
- Interest-bearing individual deposit growth plan¥300 hundred million
- Deposit balance acquired from corporate and public-sector customers¥3,000 hundred million
- Cross-shareholding ratio under the 池田泉州・滋賀 alliance0.5〜1
- Digital-based talent growth plan200 People, approximately
Unit price and quantity metricsThese figures show sales broken down by price and volume.
01 Bank
Price indicatorLoan amount per borrower
Volume indicatorNumber of borrowers
FiguresLoan amount per borrower is above the initial plan. The specific number of borrowers is Not disclosed
Medium-term management plan targets
- TargetConsolidated net income of ¥30 billionTarget fiscal yearFY2028
- Target¥110 billion increase in individual deposits (foundation and affinity)Target fiscal yearThe period covered by the Sixth Medium-Term Management Plan
- Target¥60 billion increase in corporate depositsTarget fiscal yearThe period covered by the Sixth Medium-Term Management Plan
- Target¥30 billion increase in interest-bearing individual depositsTarget fiscal yearThe period covered by the Sixth Medium-Term Management Plan
- TargetApproximately 200-person increase in digital-based talentTarget fiscal yearThe period covered by the Sixth Medium-Term Management Plan
- Target01 Bank to achieve profitability within 3 years of launchTarget fiscal yearWithin 3 years of launch
Number of employees
Total employees: Not disclosed. The company plans to increase its digital-based talent by approximately 200 people through internal development rather than mid-career hiring| Item | Details |
|---|---|
| Document type | Summary of Q&A |
| Fiscal Period Covered | FY2025 |
| Full-year earnings forecast | Consolidated net income ¥300 hundred million / 01 Bank loss for the period ¥28 hundred million / 01 Bank net income 30 Approximately ¥100 million |
| Key KPIs | Indicator name Loan-to-deposit ratio / Value 83 % / Year on year against the same period last year Not disclosed, Indicator name Individual deposit growth plan (foundation and affinity) / Value ¥1,100 hundred million / Year on year against the same period last year Not disclosed, Indicator name Corporate deposit growth plan / Value ¥600 hundred million / Year on year against the same period last year Not disclosed, Indicator name Interest-bearing individual deposit growth plan / Value ¥300 hundred million / Year on year against the same period last year Not disclosed, Indicator name Deposit balance acquired from corporate and public-sector customers / Value ¥3,000 hundred million / Year on year against the same period last year Not disclosed, Indicator name Cross-shareholding ratio under the 池田泉州・滋賀 alliance / Value 0.5〜1 / Year on year against the same period last year Not disclosed, Indicator name Digital-based talent growth plan / Value 200 People, approximately / Year on year against the same period last year Not disclosed |
| Unit price and quantity metrics | 01 Bank Price indicator Loan amount per borrower / Volume indicator Number of borrowers / Figures Loan amount per borrower is above the initial plan. The specific number of borrowers is Not disclosed |
| Number of employees | Total employees: Not disclosed. The company plans to increase its digital-based talent by approximately 200 people through internal development rather than mid-career hiring |
| Medium-term management plan targets | Target Consolidated net income of ¥30 billion / Target fiscal year FY2028, Target ¥110 billion increase in individual deposits (foundation and affinity) / Target fiscal year The period covered by the Sixth Medium-Term Management Plan, Target ¥60 billion increase in corporate deposits / Target fiscal year The period covered by the Sixth Medium-Term Management Plan, Target ¥30 billion increase in interest-bearing individual deposits / Target fiscal year The period covered by the Sixth Medium-Term Management Plan, Target Approximately 200-person increase in digital-based talent / Target fiscal year The period covered by the Sixth Medium-Term Management Plan, Target 01 Bank to achieve profitability within 3 years of launch / Target fiscal year Within 3 years of launch |
| Key points of the Q&A | Deposit growth, the loan-to-deposit ratio and deposit profitability: The company plans to increase individual deposits by ¥110 billion, corporate deposits by ¥60 billion, and interest-bearing individual deposits by ¥30 billion. It will manage the balance against interest costs., Securities investment: In light of liquidity risk, the company will combine other securities with securities held to maturity., 01 Bank profitability: The plan calls for a ¥2.8 billion loss in FY2026 and approximately ¥3 billion in profit in FY2028. Building up the outstanding loan balance and number of borrowers remains a challenge., 池田泉州・滋賀 alliance: The 0.5–1% cross-shareholding ratio is not a fixed upper limit and could be increased depending on discussions., Digital talent: The company plans to increase its digital-based talent by approximately 200 people through development of existing personnel rather than mid-career hiring. |
| New initiatives | Offering the Children's Dreams Support Time Deposit, Considering the provision of BaaS with 阪急阪神ホールディングス, Offline sales by 01 Bank to tax accountant corporations, chambers of commerce and other organizations, 01 Bank's accumulation of data and upgrading of its credit model, Capital alliance under the 池田泉州・滋賀 alliance, Internal development of digital-based talent |
Items this document does not state (22)
Net SalesOperating profitOrdinary incomeNet incomeGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterProgress against full-year forecastSelf-assessment against the planSegment resultsBreakdown of Factors Affecting the ChangeNumber of stores and locationsAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookFinancial targetsAnnual DividendPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / Share
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.For deposit growth, the company cited initiatives based on a "foundation and affinity" approach without paying interest, interest-bearing time deposits, and BaaS with 阪急阪神ホールディングス. Regarding 01 Bank, management explained that building up the outstanding loan balance and number of borrowers, raising awareness, offline sales, and upgrading the credit model would be key to achieving profitability.
How to read this page
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