Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-26
StandardJapan GAAP
ConsolidatedYes
Data checks22 of 22 passed

Amended by S100WIQY (2025-08-14).

Key figures · 95
MetricValuePeriodScopeSource row
Ordinary income¥10.3bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥12.6bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥5.2bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥9.7bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥12.0bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)¥9.1bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥8.3bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥81.8bn2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥9.1bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥8.4bn2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥6.80Tat 2025-03-31Cons.Assets
Total assets¥6.83Tat 2024-03-31Cons.Assets
Total assets¥6.79Tat 2023-03-31dCons.Total assets (5-year summary)
Total liabilities¥6.45Tat 2025-03-31Cons.Liabilities
Total liabilities¥6.45Tat 2024-03-31Cons.Liabilities
Net assets / equity¥353.8bnat 2025-03-31Cons.Net assets
Net assets / equity¥379.5bnat 2024-03-31Cons.Net assets
Net assets / equity¥323.5bnat 2023-03-31dCons.Net assets
Cash & equivalents¥608.3bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥600.7bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥708.6bnat 2023-03-31dCons.Cash and cash equivalents
Operating cash flow−¥105.1bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥160.6bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥28.8bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥117.6bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥64.8bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥33.0bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥5.0bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥12.1bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥6.5bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥185.432024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥169.42023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥1,930.52022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥184.42024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥168.232023-04-01 → 2024-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥1,914.752022-04-01 → 2023-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥7,197.89at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥7,736.85at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥6,507.51at 2023-03-31dCons.Net assets per share (5-year summary)
Equity ratio5.2%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.5%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.7%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
ROE2.5%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE2.4%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE29.6%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
Employees2,575at 2025-03-31Cons.Number of employees
Employees2,351at 2024-03-31Cons.Number of employees
Employees2,308at 2023-03-31dCons.Number of employees
Revenue¥6.1bn2024-04-01 → 2025-03-31StandaloneOperating revenue1
Revenue¥8.0bn2023-04-01 → 2024-03-31StandaloneOperating revenue1
Revenue¥3.6bn2022-04-01 → 2023-03-31dStandaloneOperating revenue1 (5-year summary)
Operating income¥4.9bn2024-04-01 → 2025-03-31StandaloneOperating income
Operating income¥7.0bn2023-04-01 → 2024-03-31StandaloneOperating income
Ordinary income¥4.9bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥7.0bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥3.2bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥4.9bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥7.0bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income¥4.9bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥7.0bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥3.2bn2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Total assets¥209.5bnat 2025-03-31StandaloneAssets
Total assets¥209.3bnat 2024-03-31StandaloneAssets
Total assets¥207.2bnat 2023-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥186mat 2025-03-31StandaloneLiabilities
Total liabilities¥127mat 2024-03-31StandaloneLiabilities
Net assets / equity¥209.3bnat 2025-03-31StandaloneNet assets
Net assets / equity¥209.2bnat 2024-03-31StandaloneNet assets
Net assets / equity¥207.1bnat 2023-03-31dStandaloneNet assets
Cash and deposits¥2.8bnat 2025-03-31StandaloneCash and deposits
Cash and deposits¥4.5bnat 2024-03-31StandaloneCash and deposits
EPS (basic)¥99.882024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥142.732023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥64.432022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥99.322024-04-01 → 2025-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥141.742023-04-01 → 2024-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥63.972022-04-01 → 2023-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥1102024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥1002023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥502022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥4,255.14at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥4,260.77at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥4,221.22at 2023-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio99.8%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.7%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio99.7%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE2.4%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE3.4%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE1.5%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued49,124,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued49,124,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued49,124,000at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees186at 2025-03-31StandaloneNumber of employees
Employees182at 2024-03-31StandaloneNumber of employees
Employees175at 2023-03-31dStandaloneNumber of employees

Periods use the dates stated in the filing. d = earlier-year period dated by calendar; v = that date confirmed by the company's own earlier filing.

Segments · 72
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2024-04-01 → 2025-03-31¥59m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2025-03-31¥45m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2025-03-31¥3.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2025-03-31¥517m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-03-31¥19.6bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2025-03-31¥278m
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2025-03-31¥49m
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2025-03-31¥12m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2025-03-31−¥1.0bn
Reconciling Itemsreconcilingsegment assetsat 2025-03-31−¥5.9bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2025-03-31−¥454m
Bankingreportable segmentcapex2024-04-01 → 2025-03-31¥5.4bn
Bankingreportable segmentdepreciation2024-04-01 → 2025-03-31¥4.3bn
Bankingreportable segmentemployeesat 2025-03-312304 pure
Bankingreportable segmentrevenue external2024-04-01 → 2025-03-31¥91.4bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥182m
Bankingreportable segmentsegment assetsat 2025-03-31¥6.76T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥10.3bn
Leasingreportable segmentcapex2024-04-01 → 2025-03-31¥7m
Leasingreportable segmentdepreciation2024-04-01 → 2025-03-31¥150m
Leasingreportable segmentemployeesat 2025-03-3113 pure
Leasingreportable segmentrevenue external2024-04-01 → 2025-03-31¥6.2bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥300m
Leasingreportable segmentsegment assetsat 2025-03-31¥27.7bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥178m
—segment totalcapex2024-04-01 → 2025-03-31¥5.4bn
—segment totaldepreciation2024-04-01 → 2025-03-31¥4.4bn
—segment totalrevenue external2024-04-01 → 2025-03-31¥97.6bn
—segment totalrevenue intersegment2024-04-01 → 2025-03-31¥483m
—segment totalsegment assetsat 2025-03-31¥6.79T
—segment totalsegment ordinary income2024-04-01 → 2025-03-31¥10.5bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2025-03-31¥5.4bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2025-03-31¥4.5bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2025-03-31¥101.0bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2025-03-31¥1.0bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-03-31¥6.81T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2025-03-31¥10.7bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2023-04-01 → 2024-03-31¥12m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2023-04-01 → 2024-03-31¥36m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2023-04-01 → 2024-03-31¥1.9bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2023-04-01 → 2024-03-31¥540m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-03-31¥16.6bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2023-04-01 → 2024-03-31¥369m
Reconciling Itemsreconcilingdepreciation2023-04-01 → 2024-03-31¥55m
Reconciling Itemsreconcilingrevenue external2023-04-01 → 2024-03-31¥1.3bn
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥1.0bn
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥2.7bn
Reconciling Itemsreconcilingsegment ordinary income2023-04-01 → 2024-03-31¥2.7bn
Bankingreportable segmentcapex2023-04-01 → 2024-03-31¥4.5bn
Bankingreportable segmentdepreciation2023-04-01 → 2024-03-31¥2.9bn
Bankingreportable segmentrevenue external2023-04-01 → 2024-03-31¥79.5bn
Bankingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥157m
Bankingreportable segmentsegment assetsat 2024-03-31¥6.79T
Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥9.3bn
Leasingreportable segmentcapex2023-04-01 → 2024-03-31¥19m
Leasingreportable segmentdepreciation2023-04-01 → 2024-03-31¥153m
Leasingreportable segmentrevenue external2023-04-01 → 2024-03-31¥6.1bn
Leasingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥316m
Leasingreportable segmentsegment assetsat 2024-03-31¥22.6bn
Leasingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥278m
—segment totalcapex2023-04-01 → 2024-03-31¥4.5bn
—segment totaldepreciation2023-04-01 → 2024-03-31¥3.0bn
—segment totalrevenue external2023-04-01 → 2024-03-31¥85.5bn
—segment totalrevenue intersegment2023-04-01 → 2024-03-31¥474m
—segment totalsegment assetsat 2024-03-31¥6.82T
—segment totalsegment ordinary income2023-04-01 → 2024-03-31¥9.5bn
Total Of Reportable Segments And Otherssegment totalcapex2023-04-01 → 2024-03-31¥4.5bn
Total Of Reportable Segments And Otherssegment totaldepreciation2023-04-01 → 2024-03-31¥3.0bn
Total Of Reportable Segments And Otherssegment totalrevenue external2023-04-01 → 2024-03-31¥87.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2023-04-01 → 2024-03-31¥1.0bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-03-31¥6.83T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2023-04-01 → 2024-03-31¥9.9bn

Segment names come from EDINET member IDs; not yet mapped to a common taxonomy.

All source rows · 2,125
ItemContextValueUnit
Depreciation and amortization ope cfPrior1YearDuration3098000000JPY
Depreciation and amortization ope cfCurrentYearDuration4536000000JPY
Impairment loss ope cfPrior1YearDuration285000000JPY
Impairment loss ope cfCurrentYearDuration7000000JPY
Amortization of goodwill ope cfPrior1YearDuration-JPY
Amortization of goodwill ope cfCurrentYearDuration82000000JPY
Increase decrease in allowance for loan losses ope cfbnkPrior1YearDuration-2014000000JPY
Increase decrease in allowance for loan losses ope cfbnkCurrentYearDuration-644000000JPY
Increase decrease in allowance for investment loss ope cfPrior1YearDuration-JPY
Increase decrease in allowance for investment loss ope cfCurrentYearDuration0JPY
Increase decrease in provision for bonuses ope cfPrior1YearDuration18000000JPY
Increase decrease in provision for bonuses ope cfCurrentYearDuration-237000000JPY
Increase decrease in provision for directors bonuses ope cfPrior1YearDuration67000000JPY
Increase decrease in provision for directors bonuses ope cfCurrentYearDuration0JPY
Increase decrease in net defined benefit asset ope cfPrior1YearDuration-1225000000JPY
Increase decrease in net defined benefit asset ope cfCurrentYearDuration-1377000000JPY
Increase decrease in net defined benefit liability ope cfPrior1YearDuration143000000JPY
Increase decrease in net defined benefit liability ope cfCurrentYearDuration-11000000JPY
Increase decrease in provision for directors retirement benefits ope cfPrior1YearDuration24000000JPY
Increase decrease in provision for directors retirement benefits ope cfCurrentYearDuration-46000000JPY
Increase decrease in provision for reimbursement of deposits ope cfbnkPrior1YearDuration-56000000JPY
Increase decrease in provision for reimbursement of deposits ope cfbnkCurrentYearDuration-162000000JPY
Increase decrease in provision for contingent loss ope cfPrior1YearDuration86000000JPY
Increase decrease in provision for contingent loss ope cfCurrentYearDuration344000000JPY
Gain on fund management ope cfbnkPrior1YearDuration-56459000000JPY
Gain on fund management ope cfbnkCurrentYearDuration-58422000000JPY
Financing expenses ope cfbnkPrior1YearDuration3479000000JPY
Financing expenses ope cfbnkCurrentYearDuration7977000000JPY
Loss gain related to securities ope cfbnkPrior1YearDuration1352000000JPY
Loss gain related to securities ope cfbnkCurrentYearDuration-627000000JPY
Foreign exchange losses gains ope cfPrior1YearDuration-10137000000JPY
Foreign exchange losses gains ope cfCurrentYearDuration545000000JPY
Loss gain on disposal of noncurrent assets ope cfPrior1YearDuration47000000JPY
Loss gain on disposal of noncurrent assets ope cfCurrentYearDuration92000000JPY
Net decrease increase in trading account securities ope cfbnkPrior1YearDuration-0JPY
Net decrease increase in trading account securities ope cfbnkCurrentYearDuration0JPY
Net decrease increase in loans and bills discounted ope cfbnkPrior1YearDuration-136015000000JPY
Net decrease increase in loans and bills discounted ope cfbnkCurrentYearDuration-141284000000JPY
Net increase decrease in deposit ope cfbnkPrior1YearDuration198712000000JPY
Net increase decrease in deposit ope cfbnkCurrentYearDuration110993000000JPY
Net increase decrease in negotiable certificates of deposit ope cfbnkPrior1YearDuration15690000000JPY
Net increase decrease in negotiable certificates of deposit ope cfbnkCurrentYearDuration-21500000000JPY
Net increase decrease in borrowed money excluding subordinated borrowings ope cfbnkPrior1YearDuration46152000000JPY
Net increase decrease in borrowed money excluding subordinated borrowings ope cfbnkCurrentYearDuration10064000000JPY
Net decrease increase in deposit excluding deposit paid to bank of japan ope cfbnkPrior1YearDuration-255000000JPY
Net decrease increase in deposit excluding deposit paid to bank of japan ope cfbnkCurrentYearDuration561000000JPY
Net decrease increase in call loans ope cfbnkPrior1YearDuration275000000JPY
Net decrease increase in call loans ope cfbnkCurrentYearDuration820000000JPY
Net increase decrease in call money ope cfbnkPrior1YearDuration-248682000000JPY
Net increase decrease in call money ope cfbnkCurrentYearDuration-JPY

Every row of the EDINET CSV. Item names are the XBRL element names; filed text is kept in its original Japanese. Filed text is available on Plus and Pro.

Data checks · 22 of 22 passed
balance sheet identityconsolidated 2024-03-31pass rounding
balance sheet identityconsolidated 2025-03-31pass
balance sheet identitynon_consolidated 2024-03-31pass rounding
balance sheet identitynon_consolidated 2025-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2025-03-31pass
statement vs summary · revenuenon_consolidated 2023-04-01/2024-03-31pass
statement vs summary · revenuenon_consolidated 2024-04-01/2025-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass