Building a high-quality loan balance and strengthening the funding base
First written in FY2016. 18 of 38 entries say "Advanced", first in FY2017-Q2. Latest entry: 2026-08-06.
No other company in this theme has enough history to compare yet.
- 2026-08-06AdvancedEarnings
「Interest on operating loans increased by ¥477.431 million, or 32.4%, year on year, mainly because the average loan balance during the period increased 9.1% year on year and the average lending rate rose.」
Interest on operating loans increased 32.4% year on year as a result of the higher average loan balance during the period and the rise in the average lending rate. - FY2026AdvancedAnnual report
「Average loan balance 105,567,235」
The Company disclosed an average loan balance of ¥105,567.235 million, indicating the scale of its high-quality business loan balance. - FY2026-H1RestatedAnnual report
「Average loan balance 103,537,240」
The Company disclosed an average loan balance of ¥103,537.240 million for the interim consolidated accounting period, reaffirming the progress made in building its loan balance. - FY2025AdvancedAnnual report
「Interest income on business loans increased by ¥540.275 million (11.0%) year on year, mainly due to the increase in the average loan balance during the period and the rise in the average lending rate.」
Under its policy of building a high-quality business loan balance, the Company increased interest income on business loans by 11.0% through growth in the average loan balance during the period and a rise in the average lending rate. - FY2025-H1AdvancedAnnual report
「Interest income on business loans increased by ¥250.086 million (10.5%) year on year, mainly due to the 6.3% year-on-year increase in the average loan balance during the period.」
The average loan balance during the period increased 6.3% year on year, and interest income on business loans also increased 10.5%. The figures indicate progress in building a high-quality business loan balance. - FY2024AdvancedAnnual report
「Based on this policy, we will actively acquire high-quality customers while balancing funding costs against lending rates charged to customers, and build up a high-quality operating loan balance while keeping credit costs under control.」
The average loan balance during the period increased 11.2% year on year, and interest income on business loans also increased 8.5%. The Company discusses diversification of funding methods together with the building of a high-quality loan balance. - FY2024-Q3AdvancedAnnual report
「Interest income on business loans increased by ¥184.877 million (5.4%) year on year, mainly due to the 11.8% year-on-year increase in the average loan balance during the period.」
In connection with its policy of building a high-quality business loan balance, the Company increased the average loan balance during the period by 11.8% year on year, while interest income on business loans also increased 5.4%. - FY2024-Q2AdvancedAnnual report
「Interest income on business loans increased by ¥74.266 million (3.2%) year on year, mainly due to the 13.3% year-on-year increase in the average loan balance during the period.」
The average loan balance during the period increased 13.3% year on year, and interest income on business loans also increased 3.2%. The figures indicate progress in building a high-quality business loan balance. - FY2024-Q1AdvancedAnnual report
「Interest income on business loans increased by ¥88.344 million (8.2%) year on year, mainly due to the 13.9% year-on-year increase in the average loan balance during the period.」
The average loan balance during the period increased 13.9% year on year, and interest income on business loans also increased 8.2%. - FY2023AdvancedAnnual report
「Interest income on business loans increased by ¥404.834 million (9.8%) year on year, mainly due to the 12.1% year-on-year increase in the average loan balance during the period and the recording of interest income following the resolution of delinquent receivables.」
Under its policy of building a high-quality business loan balance, the Company increased the average loan balance during the period by 12.1%, while interest income on business loans also increased 9.8%. - FY2023-Q3AdvancedAnnual report
「Interest income on business loans increased by ¥336.648 million (10.9%) year on year, mainly due to the 11.5% year-on-year increase in the average loan balance during the period and the recording of interest income following the resolution of delinquent receivables.」
The average loan balance during the period increased 11.5% year on year, and interest income on business loans also increased 10.9%. The figures indicate progress in building a high-quality business loan balance. - FY2023-Q2AdvancedAnnual report
「Interest income on business loans increased by ¥285.770 million (14.2%) year on year, mainly due to the 10.2% year-on-year increase in the average loan balance during the period and the recording of interest income following the resolution of delinquent receivables.」
The average loan balance during the period increased 10.2% year on year, and interest income on business loans also increased 14.2%. - FY2023-Q1Increase in average balance and interest income on loansAnnual report
「Interest income on business loans increased by ¥99.347 million (10.1%) year on year, mainly due to the 9.3% year-on-year increase in the average loan balance during the period.」
The average loan balance during the period increased 9.3% year on year, and interest income on business loans also increased 10.1%. The trend shifted from the combination of rising average balances and declining interest income that had continued through the previous fiscal year to an increase in interest income as well. - FY2022Increase in average balance and decrease in interest income on business loansAnnual report
「While seeking to lower lending rates for customers, we will actively develop high-quality customers and continue building a high-quality business loan balance while keeping credit costs under control. Interest income on business loans decreased by ¥466.910 million (10.1%) year on year, mainly because the downward trend in the average lending rate continued and interest income had been recorded in the previous fiscal year following the resolution of delinquent receivables.」
The Company continues its policy of building a high-quality business loan balance. Although the average business loan balance increased, interest income on business loans declined 10.1% due to the lower average lending rate and other factors. - FY2022-Q3Increase in average balance and decrease in interest income on loansAnnual report
「Interest income on business loans decreased by ¥451.313 million (12.7%) year on year, mainly because the downward trend in the average lending rate continued and interest income had been recorded in the same quarter of the previous year following the resolution of delinquent receivables.」
The average loan balance increased from ¥70,788.016 million in the previous year to ¥73,255.831 million, while interest income on business loans declined 12.7% year on year due to the lower average lending rate and other factors. - FY2022-Q2Increase in average balance and decrease in interest income on loansAnnual report
「Interest income on business loans decreased by ¥396.978 million (16.4%) year on year, mainly because the downward trend in the average lending rate continued and interest income had been recorded in the same quarter of the previous year following the resolution of delinquent receivables.」
The average business loan balance increased from ¥70,726.696 million in the previous year to ¥72,880.210 million, while interest income on business loans declined 16.4% year on year due to the lower average lending rate and other factors. - FY2022-Q1Increase in period-end and average balances, and decrease in interest income on loansAnnual report
「Against this backdrop, the Company continued to develop customers with an emphasis on the soundness of receivables, as it has in the past. As a result, the business loan balance at the end of the first quarter stood at ¥72,982.994 million, an increase of ¥777.911 million (1.1%) from ¥72,205.083 million at the end of the previous fiscal year. Interest income on business loans decreased by ¥301.840 million (23.5%) year on year, mainly because the average lending rate declined and interest income had been recorded in the same quarter of the previous year following the resolution of delinquent receivables.」
The period-end business loan balance increased 1.1%, and the average loan balance also increased year on year, while interest income on business loans declined 23.5% due to the lower average lending rate and other factors. - FY2021Increase in average balance and interest income on loans, and slight decrease in period-end balanceAnnual report
「While seeking to lower lending rates for customers, we will actively develop high-quality customers and continue building a high-quality business loan balance while keeping credit costs under control. Interest income on business loans increased by ¥121.532 million (2.7%) year on year, as the 3.2% year-on-year increase in the average business loan balance during the period more than offset the decline in the average lending rate.」
The Company reaffirmed its policy of building a high-quality loan balance. The average business loan balance during the period increased 3.2%, and interest income on business loans increased 2.7%, while the period-end balance declined 0.1% from the end of the previous fiscal year. - FY2021-Q3Increase in average balance and interest income on loans, and decrease in period-end balanceAnnual report
「Interest income on business loans increased by ¥216.764 million (6.5%) year on year, mainly due to the 4.2% year-on-year increase in the average business loan balance during the period.」
The period-end business loan balance declined 2.7% from the end of the previous fiscal year, while the average business loan balance during the period increased 4.2% year on year, resulting in a 6.5% increase in interest income on business loans. - FY2021-Q2Increase in average balance and interest income on loans, and decrease in period-end balanceAnnual report
「Interest income on business loans increased by ¥220.465 million (10.0%) year on year, mainly due to the 4.9% year-on-year increase in the average business loan balance during the period.」
The period-end business loan balance declined 2.3% from the end of the previous fiscal year, while the average balance during the period increased 4.9% year on year, resulting in a 10.0% increase in interest income on business loans. - FY2021-Q1Increase in average balance and decrease in period-end balanceAnnual report
「Against this backdrop, the Company continued to develop customers with an emphasis on the soundness of receivables, as it has in the past. As a result, the business loan balance at the end of the first quarter stood at ¥70,188.634 million, a decrease of ¥2,078.784 million (2.9%) from ¥72,267.419 million at the end of the previous fiscal year. Interest income on business loans increased by ¥200.298 million (18.5%) year on year, mainly due to the 5.8% year-on-year increase in the average loan balance during the period.」
The period-end business loan balance declined 2.9% from the end of the previous fiscal year, while the average loan balance during the period increased 5.8% year on year, resulting in an 18.5% increase in interest income on business loans. - FY2020AdvancedAnnual report
「At the end of the current fiscal year, the business loan balance stood at ¥72,267.419 million, an increase of ¥4,430.376 million (6.5%) from ¥67,837.042 million at the end of the previous fiscal year. Interest income on business loans decreased by ¥263.966 million (5.6%) year on year, mainly due to the 3.8% year-on-year increase in the average loan balance during the period being offset by the decline in the average lending rate following the lowering of the lending rate cap from the current fiscal year.」
The business loan balance increased 6.5%, while interest income on business loans declined 5.6% due to the lower lending rate cap and other factors. Although the loan balance continued to build, the impact of the lower lending rate was evident in earnings. - FY2020-Q3Increase in business loan balance and decrease in interest income on loansAnnual report
「Although the average business loan balance during the period increased 2.1% year on year, interest income on business loans decreased by ¥240.236 million (6.7%) year on year, mainly due to the decline in the average lending rate following the lowering of the lending rate cap from the current fiscal year.」
The business loan balance increased 4.0% from the end of the previous fiscal year, while interest income on business loans declined 6.7% year on year due to the lower average lending rate. - FY2020-Q2Decline in operating loan balance and interest incomeAnnual report
「Although the average business loan balance during the period increased 0.5% year on year, interest income on business loans decreased by ¥201.725 million (8.4%) year on year, mainly due to the decline in the average lending rate following the lowering of the lending rate cap from the current fiscal year.」
The average business loan balance during the period increased 0.5% year on year, while interest income on business loans declined 8.4% due to the lower average lending rate. The period-end business loan balance also declined 0.0% from the end of the previous fiscal year. - FY2020-Q1Decline in operating loan balance and interest incomeAnnual report
「Interest income on business loans decreased by ¥131.156 million (10.8%) year on year, mainly due to the 0.6% year-on-year decline in the average loan balance during the period and the resulting decline in the average lending rate after the lending rate cap was lowered from the current fiscal year.」
Interest income on business loans declined 10.8% year on year due to declines in the average loan balance during the period and the average lending rate. The period-end business loan balance also declined 2.3% from the end of the previous fiscal year. - FY2019Decrease in period-end balanceAnnual report
「Interest income on operating loans decreased by 124,037 thousand yen, or 2.5%, year on year because the average loan balance during the period decreased 1.3% from the previous fiscal year and overall lending rates also declined.」
The average loan balance during the period and lending rates declined, and interest income on operating loans also decreased 2.5% year on year. The period-end operating loan balance also decreased to 67,837,042 thousand yen. - FY2019-Q3Decrease in period-end balanceAnnual report
「The balance of operating loans at the end of the third quarter was ¥65,191.417 million, down ¥3,009.671 million, or 4.4%, from ¥68,201.089 million at the end of the previous fiscal year.」
The period-end operating loan balance decreased 4.4% from the end of the previous fiscal year. The average operating loan balance also decreased 0.9% year on year, and overall lending rates declined. - FY2019-Q2Decrease in period-end balanceAnnual report
「As a result, the operating loan balance at the end of the second quarter was 65,854,618 thousand yen, a decrease of 2,346,470 thousand yen, or 3.4%, from 68,201,089 thousand yen at the end of the previous fiscal year.」
The period-end operating loan balance decreased 3.4% from the end of the previous fiscal year. Meanwhile, the average loan balance increased 0.4% year on year. - FY2019-Q1Decrease in period-end balanceAnnual report
「Interest income on operating loans decreased by 19,846 thousand yen, or 1.6%, year on year because, despite a 1.2% year-on-year increase in the average loan balance during the period, lending rates declined.」
The average loan balance during the period increased 1.2% year on year, while the period-end operating loan balance decreased 2.0% from the end of the previous fiscal year. Interest income on operating loans also decreased 1.6% because lending rates declined. - FY2018-Q3AdvancedAnnual report
「As a result, the balance of operating loans at the end of the third quarter was ¥67,208.583 million, up ¥843.288 million, or 1.3%, from ¥66,365.295 million at the end of the previous fiscal year.」
The operating loan balance increased 1.3% from the end of the previous fiscal year to 67,208,583 thousand yen. The average operating loan balance also increased 1.0% year on year, while interest income on operating loans decreased 4.7% year on year because lending rates declined. - FY2018-Q2AdvancedAnnual report
「As a result, the operating loan balance at the end of the second quarter was 68,278,334 thousand yen, an increase of 1,913,038 thousand yen, or 2.9%, from 66,365,295 thousand yen at the end of the previous fiscal year.」
The operating loan balance increased 2.9% from the end of the previous fiscal year to 68,278,334 thousand yen. The average operating loan balance also increased 0.3% year on year, while interest income on operating loans decreased 5.9% because lending rates declined. - FY2018-Q1AdvancedAnnual report
「As a result, the operating loan balance at the end of the first quarter was 66,517,210 thousand yen, an increase of 151,914 thousand yen, or 0.2%, from 66,365,295 thousand yen at the end of the previous fiscal year. Although the average operating loan balance during the period increased 0.6% year on year, interest income on operating loans decreased by 54,236 thousand yen, or 4.2%, year on year because overall lending rates declined.」
The operating loan balance increased 0.2% from the end of the previous fiscal year, and the average balance during the period increased 0.6% year on year. Meanwhile, interest income on operating loans decreased 4.2% because lending rates declined. - FY2017-Q3RestatedAnnual report
「Interest income on operating loans increased by 206,226 thousand yen, or 5.6%, year on year, mainly because the average operating loan balance during the period increased by 7.2% year on year.」
The average operating loan balance during the period increased 7.2% year on year, while the balance at quarter-end decreased 1.0% from the end of the previous fiscal year, so no one-way progress in building the balance is indicated. - FY2017-Q2AdvancedAnnual report
「As a result, the operating loan balance at the end of the second quarter was 67,229,914 thousand yen, an increase of 563,624 thousand yen, or 0.8%, from 66,666,289 thousand yen at the end of the previous fiscal year.」
The operating loan balance increased 0.8% from the end of the previous fiscal year to 67,229,914 thousand yen. No change in asset quality itself is described, but measurable progress in building the balance is indicated. - FY2017-Q1RestatedAnnual report
「Interest income on operating loans increased by 84,635 thousand yen, or 7.0%, year on year, mainly because the average operating loan balance during the period increased by 7.0% year on year.」
The average operating loan balance during the period increased 7.0% year on year, while the balance at quarter-end decreased 0.4% from the end of the previous fiscal year, indicating mixed progress in building the balance. - FY2016First statedAnnual report
「We will actively develop high-quality customers while seeking to lower lending rates for customers and build a high-quality operating loan balance while keeping credit costs under control. On the funding side, in addition to reducing borrowing costs from financial institutions, we will focus on raising funds at low rates directly from the capital markets, improving our financial soundness and strengthening our corporate financial base.」
The company explains its efforts to strengthen its financial base through lending rates, customer quality, credit costs and funding methods.