Financial Highlights
FY2025 Financial Highlights
- Net revenue
- 98.5
billion yen
(12.9 billion yen increase year-on-year, progress rate: 104%)
- Business profit*
- 35.2
billion yen
(8.1 billion yen increase year-on-year, progress rate: 101%)
- Profit attributable to
owners
of parent - 25.7
billion yen
(5.1 billion yen increase year-on-year, progress rate: 117%)
- Dividend
-
4Q dividend25yen / share
-
Full-year dividend91yen / share
(+3 yen vs. forecast, +12 yen year-on-year)
- Including gains/losses on stock transactions, etc.
- For details, please refer to "FY2025 Financial Results and Progress on the Mid-term Plan" posted in the "Full Year" (FY2025) section of the "Financial Results Material" page on our website.
Financial highlights
Net revenue
Negative figures are not displayed in this graph. For actual figures, please refer to the table below.
(billion yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
|
|---|---|---|---|---|---|
|
1Q |
26.7 |
21.4 |
17.7 |
20.7 |
23.8 |
|
2Q |
52.4 |
43.3 |
44.5 |
41.4 |
52.1 |
|
3Q |
79.3 |
55.2 |
60.6 |
62.7 |
73.0 |
|
Full-year |
103.0 |
59.5 |
50.9 |
85.6 |
98.5 |
Business profit
- Negative figures are not displayed in this graph. For actual figures, please refer to the table below.
(billion yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
|
|---|---|---|---|---|---|
|
1Q |
13.4 |
7.3 |
3.1 |
6.4 |
8.6 |
|
2Q |
25.7 |
15.0 |
15.6 |
12.3 |
21.0 |
|
3Q |
38.8 |
12.9 |
17.2 |
17.9 |
26.5 |
|
Full-year |
47.8 |
2.5 |
-8.5 |
25.0 |
34.5 |
Ordinary profit
- Negative figures are not displayed in this graph. For actual figures, please refer to the table below.
(billion yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
|
|---|---|---|---|---|---|
|
1Q |
15.6 |
11.3 |
7.3 |
5.8 |
8.0 |
|
2Q |
26.4 |
20.4 |
14.3 |
9.9 |
15.3 |
|
3Q |
38.7 |
18.4 |
-24.8 |
13.2 |
23.6 |
|
Full-year |
46.2 |
7.3 |
-54.8 |
17.5 |
27.1 |
Profit attributable to owners of parent
- Negative figures are not displayed in this graph. For actual figures, please refer to the table below.
(billion yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
|
|---|---|---|---|---|---|
|
1Q |
11.5 |
8.3 |
6.7 |
7.5 |
6.3 |
|
2Q |
19.4 |
15.3 |
12.0 |
11.9 |
13.6 |
|
3Q |
28.5 |
15.7 |
-14.7 |
16.2 |
21.8 |
|
Full-year |
35.0 |
8.7 |
-49.9 |
20.5 |
25.7 |
Total assets, loans, deposits
(billion yen)
|
Mar. 2022 |
Mar. 2023 |
Mar. 2024 |
Mar. 2025 |
Mar.2026 |
|
|---|---|---|---|---|---|
|
Deposits / |
4,871.5 |
5,497.3 |
5,776.3 |
5,672.9 |
6,094.4 |
|
Loans and bills discounted |
3,317.1 |
3,881.3 |
4,071.2 |
4,206.5 |
4,486.3 |
|
Total assets |
6,728.6 |
7,184.0 |
7,603.0 |
7,762.4 |
8,601.6 |
- The point of time (month-year) in the table represents the end of each month.
Capital adequacy ratio*
(billion yen)
|
Mar. 2022 |
Mar. 2023 |
Mar. 2024 |
Mar. 2025 |
Mar.2026 |
|
|---|---|---|---|---|---|
|
Capital |
10.37% |
9.43% |
9.23% |
10.72% |
10.87% |
|
Regulatory |
500.3 |
490.0 |
429.0 |
488.2 |
484.0 |
- * Basel 3, Domestic standard. Mar. 2026: Preliminary basis
- The point of time (month-year) in the table represents the end of each month.
PL summary
(billion yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
|||
|---|---|---|---|---|---|---|---|
|
Net revenue |
103.0 |
59.5 |
50.9 |
85.6 |
98.5 |
||
|
Net interest income |
51.6 |
51.0 |
42.0 |
48.7 |
52.3 |
||
|
Non-interest income |
51.3 |
8.4 |
8.8 |
36.9 |
46.2 |
||
|
Net fees and commissions |
14.0 |
13.3 |
20.4 |
24.6 |
31.8 |
||
|
Net trading revenues |
16.6 |
4.1 |
1.6 |
3.1 |
4.3 |
||
|
Net other ordinary income |
20.7 |
-9.0 |
-13.2 |
9.1 |
10.0 |
||
|
General & administrative expenses |
-57.7 |
-59.3 |
-61.8 |
-62.8 |
-66.9 |
||
|
Gains/losses on equity |
2.6 |
2.3 |
2.3 |
2.2 |
2.9 |
||
|
Business profit |
47.8 |
2.5 |
-8.5 |
25.0 |
34.5 |
||
|
Credit-related expenses |
-3.7 |
-1.7 |
-46.9 |
-9.4 |
-8.4 |
||
|
Gains/losses on stock transactions |
2.0 |
8.4 |
1.6 |
3.2 |
1.1 |
||
|
Ordinary profit |
46.2 |
7.3 |
-54.8 |
17.5 |
27.1 |
||
|
Extraordinary profit/loss |
-0.3 |
-0.0 |
1.6 |
1.8 |
-0.0 |
||
|
Profit before income taxes |
45.9 |
7.3 |
-53.1 |
19.3 |
27.1 |
||
|
Taxes |
-12.9 |
-0.6 |
1.4 |
0.2 |
-0.5 |
||
|
Profit/loss attributable to non-controlling interests |
1.9 |
2.0 |
1.8 |
0.8 |
-0.8 |
||
|
Profit attributable to owners of parent |
35.0 |
8.7 |
-49.9 |
20.5 |
25.7 |
||
Balance sheet summary
(billion yen)
|
Mar. 2022 |
Mar. 2023 |
Mar. 2024 |
Mar. 2025 |
Mar. 2026 |
||
|---|---|---|---|---|---|---|
|
Total assets |
6,728.6 |
7,184.0 |
7,603.0 |
7,762.4 |
8,601.6 |
|
|
Including Loans and bills discounted |
3,317.1 |
3,881.3 |
4,071.2 |
4,206.5 |
4,486.3 |
|
|
Including Securities |
1,478.1 |
1,278.7 |
1,186.5 |
1,355.4 |
1,434.8 |
|
|
Including Cash and due from banks |
1,141.9 |
1,275.0 |
1,579.7 |
1,409.3 |
1,508.4 |
|
|
Including Trading assets |
133.0 |
151.2 |
173.7 |
262.8 |
501.5 |
|
|
Total liabilities |
6,241.3 |
6,752.9 |
7,211.9 |
7,302.7 |
8,110.0 |
|
|
Including
Deposits / |
4,871.5 |
5,497.3 |
5,776.3 |
5,672.9 |
6,094.4 |
|
|
Including Bonds payable |
168.9 |
147.7 |
181.3 |
124.6 |
57.9 |
|
|
Including Borrowed money |
432.3 |
525.6 |
563.3 |
726.3 |
784.4 |
|
|
Including Cash collateral received for securities lent |
356.9 |
215.9 |
260.6 |
345.7 |
375.9 |
|
|
Including Trading account liabilities |
129.2 |
121.8 |
165.0 |
209.1 |
482.2 |
|
|
Total net assets |
487.2 |
431.1 |
391.0 |
459.6 |
491.6 |
|
|
Total liabilities and net assets |
6,728.6 |
7,184.0 |
7,603.0 |
7,762.4 |
8,601.6 |
|
- The point of time (month-year) in the table represents the end of each month.
Results by business segment*
- Business profit (including gains/losses on stock transactions, etc.) = Business profit (excluding gains/losses on stock transactions, etc.) + Gains/losses on stock transactions, etc.
- Figures for 2Q include all results starting from 1Q up through 2Q, and figures for 3Q include all results starting from 1Q up through 3Q.
- Figures are rounded down to the nearest specified unit and ratios are rounded off to two decimal places.