Financial Highlights

graph:Net revenue
graph:Profit attributable to owners of parent
graph:General & administrative expenses

Revenue and Expenses

(100 million yen)

  FY2014 FY2015 FY2016 FY2017 FY2018
Net revenue 928 914 852 874 838
  Net interest income 499 498 456 490 502
Non-interest income 428 415 396 384 335
  Net fees and commissions 145 114 92 113 129
Net trading revenues 124 122 204 170 83
Gains/losses on bond transactions 28 81 23 6 49
Net other ordinary income excluding gains/losses on bond transactions 129 97 75 92 73
 General & administrative expenses -401 -428 -450 -468 -494
Business profit 526 485 402 406 344
 Credit-related expenses 46 47 110 87 -10
 Gains/losses on stock transactions 14 14 4 80 132
 Other gains/losses 9 9 -0 5 11
Ordinary profit 596 557 517 579 477
 Extraordinary profit/loss -57 -0 -0 -0 -0
Income before taxes and minority interests 539 557 517 579 477
 Taxes -102 -122 -80 -154 -137
Profit attributable to owners of parent 436 434 438 430 361

   Note: From FY2015 onwards, consolidated net income represents 'profit attributable to owners of parent' in accordance with the Revised Accounting Standard for Business Combinations and related standards and implementation guidance.

graph:Capital adequacy ratio

 * Basel III basis.

graph:Deposits / Negotiable certificates of deposit, Loan and bills discounted
graph:FRL credit ratio

Balance Sheet

(100 million yen)

  Mar.
2015
Mar.
2016
Mar.
2017
Mar.
2018
Mar.
2019
Total assets 49,244 45,929 45,860 49,127 52,550
  Loan and bills discounted 27,758 25,116 25,218 26,112 27,798
Securities 9,840 9,235 9,379 11,398 12,408
Cash and due from banks 5,505 5,462 5,730 5,431 6,187
Trading assets 3,471 3,373 2,107 1,796 1,999
Others 2,669 2,741 3,424 4,388 4,156
Total liabilities 43,570 41,874 41,656 44,755 48,063
  Deposits and Negotiable certificates of deposit 29,847 29,321 28,531 29,709 32,307
Debentures, Bonds 2,461 2,594 2,462 2,575 2,839
Borrowed money 1,872 2,080 2,766 3,152 3,205
Payables under securities lending transactions 2,930 2,635 3,063 4,313 4,508
Trading liabilities 3,112 2,698 1,977 1,302 1,777
Others 3,346 2,543 2,856 3,702 3,424
Total net assets 5,674 4,054 4,203 4,372 4,487
  Capital stock 1,000 1,000 1,000 1,000 1,000
Capital surplus 2,896 873 873 873 873
Retained earnings 2,350 1,997 2,219 2,431 2,590
Treasury stock -993 -33 -33 -33 -33
Valuation difference on available-for-sale securities 349 162 237 353 235
Others 71 55 -92 -252 -178
Total liabilities and net assets 49,244 45,929 45,860 49,127 52,550

Disclosed Claims under the Financial Reconstruction Law (Non-consolidated)

(100 million yen)

  Mar.
2015
Mar.
2016
Mar.
2017
Mar.
2018
Mar.
2019
  Bankrupt and similar credit 2 1 0 1 -
Doubtful credit 261 190 114 46 142
Special attention credit 117 38 14 21 14
FRL credit, total (a) 381 229 128 69 156
Normal credit (b) 27,870 25,281 25,589 26,535 28,050
Total credit (c) ((a)+(b)) 28,252 25,511 25,718 26,604 28,206
FRL credit ratio (a)/(c) 1.35% 0.90% 0.50% 0.26% 0.55%

Capital Adequacy Ratio (Domestic standard)

(100 million yen)

  Mar.
2015
Mar.
2016
Mar.
2017
Mar.
2018
Mar.
2019
Capital adequacy ratio 14.45% 11.03% 10.75% 10.39% 10.27%
Regulatory capital 5,429 4,171 4,397 4,509 4,618
Risk assets 37,568 37,783 40,873 43,397 44,931

*  Basel III basis.

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