Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-18
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 132
MetricValuePeriodScopeSource row
Ordinary income¥30.3bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥30.5bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥28.9bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥28.3bn2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥35.6bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥28.8bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥45.1bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)¥18.2bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥32.0bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥18.9bn2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥20.8bn2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥25.9bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥18.3bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥32.0bn2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥1.50Tat 2025-03-31Cons.Assets
Total assets¥1.72Tat 2024-03-31Cons.Assets
Total assets¥1.31Tat 2023-03-31dCons.Total assets (5-year summary)
Total assets¥1.22Tat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥1.20Tat 2021-03-31dCons.Total assets (5-year summary)
Total liabilities¥1.21Tat 2025-03-31Cons.Liabilities
Total liabilities¥1.44Tat 2024-03-31Cons.Liabilities
Net assets / equity¥282.5bnat 2025-03-31Cons.Net assets
Net assets / equity¥275.9bnat 2024-03-31Cons.Net assets
Net assets / equity¥254.2bnat 2023-03-31dCons.Net assets
Net assets / equity¥244.1bnat 2022-03-31dCons.Net assets (5-year summary)
Net assets / equity¥234.7bnat 2021-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥892.6bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥988.7bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥950.3bnat 2023-03-31dCons.Cash and cash equivalents
Cash & equivalents¥931.4bnat 2022-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥937.9bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥38.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥100.8bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥66.6bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥41.3bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥136.0bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥46.7bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥51.9bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥36.2bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥36.1bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥32.8bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥12.7bn2024-04-01 → 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−¥13.0bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥12.7bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥13.6bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥15.572024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥27.252023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥16.032022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥17.712021-04-01 → 2022-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥22.012020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥222020-04-01 → 2021-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥236.93at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥231.24at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥213.08at 2023-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥206.33at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥198.4at 2021-03-31dCons.Net assets per share (5-year summary)
Equity ratio18.5%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio15.7%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio19.1%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio19.9%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio19.5%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
ROE6.7%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE12.3%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE7.6%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
ROE8.8%2021-04-01 → 2022-03-31dCons.Rate of return on equity (5-year summary)
ROE11.4%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
Employees1,398at 2025-03-31Cons.Number of employees
Employees1,301at 2024-03-31Cons.Number of employees
Employees1,016at 2023-03-31dCons.Number of employees
Employees911at 2022-03-31dCons.Number of employees
Employees809at 2021-03-31dCons.Number of employees
Ordinary income¥27.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥29.1bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥31.5bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥28.4bn2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥34.6bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥25.1bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥27.6bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income¥17.7bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥19.3bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥19.5bn2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥18.1bn2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income¥15.8bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥1.33Tat 2025-03-31StandaloneAssets
Total assets¥1.54Tat 2024-03-31StandaloneAssets
Total assets¥1.29Tat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥1.21Tat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥1.19Tat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥1.07Tat 2025-03-31StandaloneLiabilities
Total liabilities¥1.29Tat 2024-03-31StandaloneLiabilities
Net assets / equity¥252.5bnat 2025-03-31StandaloneNet assets
Net assets / equity¥248.3bnat 2024-03-31StandaloneNet assets
Net assets / equity¥243.6bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥236.9bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥231.7bnat 2021-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥15.092024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥16.472023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥16.582022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥15.422021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥13.442020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥13.442020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥112024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥112023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥112022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥112021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥112020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥215.78at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥212.18at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥207.12at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥201.58at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥197.06at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio19.0%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio16.2%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio18.9%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio19.6%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio19.4%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE7.0%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE7.8%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE8.1%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
ROE7.7%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE6.9%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued1,179,308,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees703at 2025-03-31StandaloneNumber of employees
Employees614at 2024-03-31StandaloneNumber of employees
Employees549at 2023-03-31dStandaloneNumber of employees
Employees505at 2022-03-31dStandaloneNumber of employees
Employees470at 2021-03-31dStandaloneNumber 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 · 57
SegmentItemPeriodValue
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2025-03-31−¥407m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2025-03-31−¥752m
Reconciling Itemsreconcilingsegment assetsat 2025-03-31−¥77.8bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2025-03-31¥5m
Credit Card And Electronic Money Buisinessreportable segmentcapex2024-04-01 → 2025-03-31¥2.2bn
Credit Card And Electronic Money Buisinessreportable segmentdepreciation2024-04-01 → 2025-03-31¥2.3bn
Credit Card And Electronic Money Buisinessreportable segmentemployeesat 2025-03-31212 pure
Credit Card And Electronic Money Buisinessreportable segmentrevenue external2024-04-01 → 2025-03-31¥32.5bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥57m
Credit Card And Electronic Money Buisinessreportable segmentsegment assetsat 2025-03-31¥208.2bn
Credit Card And Electronic Money Buisinessreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥2.7bn
Domestic Business Banking Business Otherreportable segmentcapex2024-04-01 → 2025-03-31¥37.5bn
Domestic Business Banking Business Otherreportable segmentdepreciation2024-04-01 → 2025-03-31¥23.2bn
Domestic Business Banking Business Otherreportable segmentemployeesat 2025-03-31947 pure
Domestic Business Banking Business Otherreportable segmentrevenue external2024-04-01 → 2025-03-31¥138.8bn
Domestic Business Banking Business Otherreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥695m
Domestic Business Banking Business Otherreportable segmentsegment assetsat 2025-03-31¥1.31T
Domestic Business Banking Business Otherreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥27.2bn
Overseas Businessreportable segmentcapex2024-04-01 → 2025-03-31¥5.8bn
Overseas Businessreportable segmentdepreciation2024-04-01 → 2025-03-31¥3.6bn
Overseas Businessreportable segmentemployeesat 2025-03-31239 pure
Overseas Businessreportable segmentrevenue external2024-04-01 → 2025-03-31¥43.6bn
Overseas Businessreportable segmentsegment assetsat 2025-03-31¥51.0bn
Overseas Businessreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥353m
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2025-03-31¥45.5bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2025-03-31¥29.1bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2025-03-31¥214.8bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2025-03-31¥752m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-03-31¥1.57T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2025-03-31¥30.3bn
Reconciling Itemsreconcilingrevenue external2023-04-01 → 2024-03-31−¥859m
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥536m
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥83.2bn
Reconciling Itemsreconcilingsegment ordinary income2023-04-01 → 2024-03-31−¥512m
Credit Card And Electronic Money Buisinessreportable segmentcapex2023-04-01 → 2024-03-31¥2.7bn
Credit Card And Electronic Money Buisinessreportable segmentdepreciation2023-04-01 → 2024-03-31¥1.6bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue external2023-04-01 → 2024-03-31¥26.8bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥18m
Credit Card And Electronic Money Buisinessreportable segmentsegment assetsat 2024-03-31¥224.0bn
Credit Card And Electronic Money Buisinessreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥3.6bn
Domestic Business Banking Business Otherreportable segmentcapex2023-04-01 → 2024-03-31¥32.3bn
Domestic Business Banking Business Otherreportable segmentdepreciation2023-04-01 → 2024-03-31¥18.8bn
Domestic Business Banking Business Otherreportable segmentrevenue external2023-04-01 → 2024-03-31¥133.1bn
Domestic Business Banking Business Otherreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥518m
Domestic Business Banking Business Otherreportable segmentsegment assetsat 2024-03-31¥1.53T
Domestic Business Banking Business Otherreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥29.2bn
Overseas Businessreportable segmentcapex2023-04-01 → 2024-03-31¥3.8bn
Overseas Businessreportable segmentdepreciation2023-04-01 → 2024-03-31¥3.0bn
Overseas Businessreportable segmentrevenue external2023-04-01 → 2024-03-31¥38.9bn
Overseas Businessreportable segmentsegment assetsat 2024-03-31¥51.6bn
Overseas Businessreportable segmentsegment ordinary income2023-04-01 → 2024-03-31−¥1.8bn
Total Of Reportable Segments And Otherssegment totalcapex2023-04-01 → 2024-03-31¥38.8bn
Total Of Reportable Segments And Otherssegment totaldepreciation2023-04-01 → 2024-03-31¥23.3bn
Total Of Reportable Segments And Otherssegment totalrevenue external2023-04-01 → 2024-03-31¥198.7bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2023-04-01 → 2024-03-31¥536m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-03-31¥1.80T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2023-04-01 → 2024-03-31¥31.0bn

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

All source rows · 1,784
ItemContextValueUnit
Atm related fee income oibnkCurrentYearDuration156400000000JPY
Credit card operating income oibnkPrior1YearDuration10058000000JPY
Credit card operating income oibnkCurrentYearDuration12165000000JPY
Electronic money operating income oibnkPrior1YearDuration10201000000JPY
Electronic money operating income oibnkCurrentYearDuration12010000000JPY
Other fees and commissions oibnkPrior1YearDuration12783000000JPY
Other fees and commissions oibnkCurrentYearDuration13406000000JPY
Other ordinary income oibnkPrior1YearDuration309000000JPY
Other ordinary income oibnkCurrentYearDuration264000000JPY
Other income oibnkPrior1YearDuration3174000000JPY
Other income oibnkCurrentYearDuration5158000000JPY
Other other income oibnkPrior1YearDuration3174000000JPY
Other other income oibnkCurrentYearDuration5158000000JPY
Ordinary expenses bnkPrior1YearDuration167351000000JPY
Ordinary expenses bnkCurrentYearDuration184118000000JPY
Interest expenses oebnkPrior1YearDuration1174000000JPY
Interest expenses oebnkCurrentYearDuration2098000000JPY
Interest on deposits oebnkPrior1YearDuration32000000JPY
Interest on deposits oebnkCurrentYearDuration517000000JPY
Interest on negotiable certificates of deposit oebnkPrior1YearDuration0JPY
Interest on negotiable certificates of deposit oebnkCurrentYearDuration1000000JPY
Interest on call money oebnkPrior1YearDuration-59000000JPY
Interest on call money oebnkCurrentYearDuration348000000JPY
Interest on borrowings and rediscounts oebnkPrior1YearDuration903000000JPY
Interest on borrowings and rediscounts oebnkCurrentYearDuration979000000JPY
Interest on bonds noePrior1YearDuration298000000JPY
Interest on bonds noeCurrentYearDuration251000000JPY
Fees and commissions payments oebnkPrior1YearDuration53418000000JPY
Fees and commissions payments oebnkCurrentYearDuration55654000000JPY
Fees and commissions on domestic and foreign exchanges oebnkPrior1YearDuration1808000000JPY
Fees and commissions on domestic and foreign exchanges oebnkCurrentYearDuration1845000000JPY
Atm placement fee expenses oebnkPrior1YearDuration31541000000JPY
Atm placement fee expenses oebnkCurrentYearDuration31647000000JPY
Atm related fee expenses oebnkPrior1YearDuration10187000000JPY
Atm related fee expenses oebnkCurrentYearDuration9805000000JPY
Credit card operating expense oebnkPrior1YearDuration4306000000JPY
Credit card operating expense oebnkCurrentYearDuration5653000000JPY
Electronic money operating expense oebnkPrior1YearDuration726000000JPY
Electronic money operating expense oebnkCurrentYearDuration886000000JPY
Other fees and commissions oebnkPrior1YearDuration4849000000JPY
Other fees and commissions oebnkCurrentYearDuration5815000000JPY
Other ordinary expenses oebnkPrior1YearDuration-JPY
Other ordinary expenses oebnkCurrentYearDuration7000000JPY
General and administrative expenses oebnkPrior1YearDuration108084000000JPY
General and administrative expenses oebnkCurrentYearDuration122166000000JPY
Other expenses oebnkPrior1YearDuration4673000000JPY
Other expenses oebnkCurrentYearDuration4191000000JPY
Provision of allowance for loan losses oebnkPrior1YearDuration2179000000JPY
Provision of allowance for loan losses oebnkCurrentYearDuration2887000000JPY
Other other expenses oebnkPrior1YearDuration2493000000JPY

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 · 20 of 20 passed
balance sheet identityconsolidated 2024-03-31pass
balance sheet identityconsolidated 2025-03-31pass
balance sheet identitynon_consolidated 2024-03-31pass
balance sheet identitynon_consolidated 2025-03-31pass rounding
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 · 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