Half-year report · HY

Period2025-04-01 → 2025-09-30
Filed2025-11-14
StandardJapan GAAP
ConsolidatedYes
Data checks23 of 23 passed
Key figures · 115
MetricValuePeriodScopeSource row
Ordinary income¥14.8bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥30.3bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥16.8bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥30.5bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥16.4bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥14.5bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥16.3bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥10.0bn2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥18.2bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥10.9bn2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥32.0bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥32.6bn2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥10.0bn2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥10.9bn2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥1.43Tat 2025-09-30Cons.Assets
Total assets¥1.50Tat 2025-03-31Cons.Assets
Total assets¥1.57Tat 2024-09-30Cons.Assets
Total assets¥1.72Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥1.79Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥1.20Tat 2025-09-30Cons.Liabilities
Total liabilities¥1.21Tat 2025-03-31Cons.Liabilities
Net assets / equity¥233.3bnat 2025-09-30Cons.Net assets
Net assets / equity¥282.5bnat 2025-03-31Cons.Net assets
Net assets / equity¥282.0bnat 2024-09-30Cons.Net assets
Net assets / equity¥275.9bnat 2024-03-31vCons.Net assets
Net assets / equity¥284.3bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥827.4bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥892.6bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥933.5bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥988.7bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥1.10Tat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥7.7bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥38.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥20.7bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥100.8bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥186.7bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥13.2bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥46.7bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥30.7bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥51.9bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥31.6bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥57.3bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥12.7bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥6.4bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥12.1bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥4.8bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥9.352025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥15.572024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥9.352024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥27.252023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥27.762023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥234at 2025-09-30Cons.Net assets 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¥236.52at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥231.24at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥238.15at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio16.0%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio18.5%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio17.6%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio15.7%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio15.6%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees1,396at 2025-09-30Cons.Number of employees
Employees1,398at 2025-03-31Cons.Number of employees
Employees1,344at 2024-09-30Cons.Number of employees
Employees1,301at 2024-03-31vCons.Number of employees
Employees1,266at 2023-09-30dCons.Number of employees
Ordinary income¥14.0bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥27.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥17.1bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥29.1bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥16.9bn2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥13.9bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥16.9bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥9.6bn2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥17.7bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥11.7bn2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥19.3bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥11.5bn2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥1.28Tat 2025-09-30StandaloneAssets
Total assets¥1.33Tat 2025-03-31StandaloneAssets
Total assets¥1.40Tat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥1.54Tat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥1.57Tat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥1.07Tat 2025-09-30StandaloneLiabilities
Total liabilities¥1.07Tat 2025-03-31StandaloneLiabilities
Net assets / equity¥205.2bnat 2025-09-30StandaloneNet assets
Net assets / equity¥252.5bnat 2025-03-31StandaloneNet assets
Net assets / equity¥253.1bnat 2024-09-30StandaloneNet assets
Net assets / equity¥248.3bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥248.2bnat 2023-09-30dStandaloneNet assets (5-year summary)
EPS (basic)¥9.022025-04-01 → 2025-09-30StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥15.092024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥10.032024-04-01 → 2024-09-30StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥16.472023-04-01 → 2024-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥9.762023-04-01 → 2023-09-30dStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥5.52025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥112024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥5.52024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥112023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥5.52023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio16.1%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio19.0%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio18.1%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio16.2%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio15.8%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued1,179,308,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued1,179,308,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees715at 2025-09-30StandaloneNumber of employees
Employees703at 2025-03-31StandaloneNumber of employees
Employees666at 2024-09-30StandaloneNumber of employees
Employees614at 2024-03-31vStandaloneNumber of employees
Employees589at 2023-09-30dStandaloneNumber 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 · 54
SegmentItemPeriodValue
Reconciling Itemsreconcilingrevenue external2025-04-01 → 2025-09-30¥0
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥491m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥76.3bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30−¥22m
Credit Card And Electronic Money Buisinessreportable segmentcapex2025-04-01 → 2025-09-30¥412m
Credit Card And Electronic Money Buisinessreportable segmentdepreciation2025-04-01 → 2025-09-30¥1.2bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue external2025-04-01 → 2025-09-30¥13.9bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥48m
Credit Card And Electronic Money Buisinessreportable segmentsegment assetsat 2025-09-30¥201.4bn
Credit Card And Electronic Money Buisinessreportable segmentsegment ordinary income2025-04-01 → 2025-09-30−¥849m
Domestic Business Banking Business Otherreportable segmentcapex2025-04-01 → 2025-09-30¥9.0bn
Domestic Business Banking Business Otherreportable segmentdepreciation2025-04-01 → 2025-09-30¥12.6bn
Domestic Business Banking Business Otherreportable segmentrevenue external2025-04-01 → 2025-09-30¥72.3bn
Domestic Business Banking Business Otherreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥442m
Domestic Business Banking Business Otherreportable segmentsegment assetsat 2025-09-30¥1.26T
Domestic Business Banking Business Otherreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥14.1bn
Overseas Businessreportable segmentcapex2025-04-01 → 2025-09-30¥1.1bn
Overseas Businessreportable segmentdepreciation2025-04-01 → 2025-09-30¥1.9bn
Overseas Businessreportable segmentrevenue external2025-04-01 → 2025-09-30¥21.4bn
Overseas Businessreportable segmentsegment assetsat 2025-09-30¥45.5bn
Overseas Businessreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥1.6bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥10.6bn
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥15.7bn
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥107.6bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥491m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥1.51T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥14.8bn
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2024-09-30−¥128m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥352m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥80.5bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30−¥3m
Credit Card And Electronic Money Buisinessreportable segmentcapex2024-04-01 → 2024-09-30¥1.4bn
Credit Card And Electronic Money Buisinessreportable segmentdepreciation2024-04-01 → 2024-09-30¥1.0bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue external2024-04-01 → 2024-09-30¥14.8bn
Credit Card And Electronic Money Buisinessreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥12m
Credit Card And Electronic Money Buisinessreportable segmentsegment assetsat 2024-09-30¥214.0bn
Credit Card And Electronic Money Buisinessreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥928m
Domestic Business Banking Business Otherreportable segmentcapex2024-04-01 → 2024-09-30¥17.7bn
Domestic Business Banking Business Otherreportable segmentdepreciation2024-04-01 → 2024-09-30¥11.0bn
Domestic Business Banking Business Otherreportable segmentrevenue external2024-04-01 → 2024-09-30¥70.4bn
Domestic Business Banking Business Otherreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥339m
Domestic Business Banking Business Otherreportable segmentsegment assetsat 2024-09-30¥1.38T
Domestic Business Banking Business Otherreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥16.9bn
Overseas Businessreportable segmentcapex2024-04-01 → 2024-09-30¥2.3bn
Overseas Businessreportable segmentdepreciation2024-04-01 → 2024-09-30¥1.8bn
Overseas Businessreportable segmentrevenue external2024-04-01 → 2024-09-30¥21.2bn
Overseas Businessreportable segmentsegment assetsat 2024-09-30¥51.8bn
Overseas Businessreportable segmentsegment ordinary income2024-04-01 → 2024-09-30−¥1.1bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥21.5bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥13.8bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥106.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥352m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥1.65T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥16.8bn

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

All source rows · 1,183
ItemContextValueUnit
Independent auditors report consolidated (text)FilingDateInstantText · Plus
Audit firm1 consolidatedFilingDateInstant
Original text (Japanese)有限責任 あずさ監査法人
Cpa1 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)畑岡 哲
Cpa2 audit firm1 consolidatedFilingDateInstant
Original text (Japanese)羽生 博文
Independent auditors report non consolidated (text)FilingDateInstantText · Plus
Audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)有限責任 あずさ監査法人
Cpa1 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)畑岡 哲
Cpa2 audit firm1 non consolidatedFilingDateInstant
Original text (Japanese)羽生 博文
Number of submissionFilingDateInstant1
Ordinary income (5-year summary)Prior2InterimDuration92222000000JPY
Ordinary income (5-year summary)Prior1InterimDuration106283000000JPY
Ordinary income (5-year summary)InterimDuration107552000000JPY
Ordinary income (5-year summary)Prior2YearDuration197877000000JPY
Ordinary income (5-year summary)Prior1YearDuration214408000000JPY
Ordinary income loss (5-year summary)Prior2InterimDuration16405000000JPY
Ordinary income loss (5-year summary)Prior1InterimDuration16751000000JPY
Ordinary income loss (5-year summary)InterimDuration14814000000JPY
Ordinary income loss (5-year summary)Prior2YearDuration30526000000JPY
Ordinary income loss (5-year summary)Prior1YearDuration30289000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior2InterimDuration32610000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior1InterimDuration10940000000JPY
Profit loss attributable to owners of parent (5-year summary)InterimDuration9966000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior2YearDuration31970000000JPY
Profit loss attributable to owners of parent (5-year summary)Prior1YearDuration18221000000JPY
Comprehensive income (5-year summary)Prior2InterimDuration35985000000JPY
Comprehensive income (5-year summary)Prior1InterimDuration12723000000JPY
Comprehensive income (5-year summary)InterimDuration8049000000JPY
Comprehensive income (5-year summary)Prior2YearDuration34387000000JPY
Comprehensive income (5-year summary)Prior1YearDuration19684000000JPY
Net assets (5-year summary)Prior2InterimInstant284251000000JPY
Net assets (5-year summary)Prior1InterimInstant281981000000JPY
Net assets (5-year summary)InterimInstant233274000000JPY
Net assets (5-year summary)Prior2YearInstant275856000000JPY
Net assets (5-year summary)Prior1YearInstant282489000000JPY
Total assets (5-year summary)Prior2InterimInstant1789070000000JPY
Total assets (5-year summary)Prior1InterimInstant1569239000000JPY
Total assets (5-year summary)InterimInstant1430049000000JPY
Total assets (5-year summary)Prior2YearInstant1717818000000JPY
Total assets (5-year summary)Prior1YearInstant1495977000000JPY
Net assets per share (5-year summary)Prior2InterimInstant238.15
Net assets per share (5-year summary)Prior1InterimInstant236.52
Net assets per share (5-year summary)InterimInstant234.00
Net assets per share (5-year summary)Prior2YearInstant231.24
Net assets per share (5-year summary)Prior1YearInstant236.93
Basic earnings loss per share (5-year summary)Prior2InterimDuration27.76
Basic earnings loss per share (5-year summary)Prior1InterimDuration9.35
Basic earnings loss per share (5-year summary)InterimDuration9.35
Basic earnings loss per share (5-year summary)Prior2YearDuration27.25
Basic earnings loss per share (5-year summary)Prior1YearDuration15.57
Diluted earnings per share (5-year summary)Prior2InterimDuration-

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 · 23 of 23 passed
balance sheet identityconsolidated 2025-03-31pass
balance sheet identityconsolidated 2025-09-30pass
balance sheet identitynon_consolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2025-09-30pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2024-09-30pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsconsolidated 2025-09-30pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2024-09-30pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2025-09-30pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2024-09-30pass
statement vs summary · net income attributable to parentconsolidated 2025-04-01/2025-09-30pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2024-09-30pass
statement vs summary · operating cash flowconsolidated 2025-04-01/2025-09-30pass
statement vs summary · total assetsconsolidated 2024-09-30pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsconsolidated 2025-09-30pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2025-09-30pass