Half-year report · HY

Period2025-04-01 → 2025-09-30

Filed2025-11-28

StandardJapan GAAP

ConsolidatedYes

Data checks24 of 24 passed

Key figures · 124

Metric	Value	Period	Scope	Source row
Ordinary income	¥849.6bn	2025-04-01 → 2025-09-30	Cons.	Ordinary income
Ordinary income	¥1.17T	2024-04-01 → 2025-03-31	Cons.	Ordinary income loss (5-year summary)
Ordinary income	¥747.1bn	2024-04-01 → 2024-09-30	Cons.	Ordinary income
Ordinary income	¥914.0bn	2023-04-01 → 2024-03-31^v	Cons.	Ordinary income loss (5-year summary)
Ordinary income	¥574.1bn	2023-04-01 → 2023-09-30^d	Cons.	Ordinary income loss (5-year summary)
Profit before tax	¥898.7bn	2025-04-01 → 2025-09-30	Cons.	Income before income taxes
Profit before tax	¥791.2bn	2024-04-01 → 2024-09-30	Cons.	Income before income taxes
Net income (owners)	¥689.9bn	2025-04-01 → 2025-09-30	Cons.	Profit loss attributable to owners of parent
Net income (owners)	¥885.4bn	2024-04-01 → 2025-03-31	Cons.	Profit loss attributable to owners of parent (5-year summary)
Net income (owners)	¥566.1bn	2024-04-01 → 2024-09-30	Cons.	Profit loss attributable to owners of parent
Net income (owners)	¥679.0bn	2023-04-01 → 2024-03-31^v	Cons.	Profit loss attributable to owners of parent (5-year summary)
Net income (owners)	¥415.8bn	2023-04-01 → 2023-09-30^d	Cons.	Profit loss attributable to owners of parent (5-year summary)
Net income	¥692.6bn	2025-04-01 → 2025-09-30	Cons.	Profit loss
Net income	¥568.0bn	2024-04-01 → 2024-09-30	Cons.	Profit loss
Total assets	¥288.76T	at 2025-09-30	Cons.	Assets
Total assets	¥283.32T	at 2025-03-31	Cons.	Assets
Total assets	¥277.35T	at 2024-09-30	Cons.	Total assets (5-year summary)
Total assets	¥278.67T	at 2024-03-31^v	Cons.	Total assets (5-year summary)
Total assets	¥272.19T	at 2023-09-30^d	Cons.	Total assets (5-year summary)
Total liabilities	¥277.68T	at 2025-09-30	Cons.	Liabilities
Total liabilities	¥272.80T	at 2025-03-31	Cons.	Liabilities
Net assets / equity	¥11.08T	at 2025-09-30	Cons.	Net assets
Net assets / equity	¥10.52T	at 2025-03-31	Cons.	Net assets
Net assets / equity	¥10.76T	at 2024-09-30	Cons.	Net assets
Net assets / equity	¥10.31T	at 2024-03-31^v	Cons.	Net assets
Net assets / equity	¥9.65T	at 2023-09-30^d	Cons.	Net assets (5-year summary)
Cash & equivalents	¥65.39T	at 2025-09-30	Cons.	Cash and cash equivalents
Cash & equivalents	¥70.72T	at 2025-03-31	Cons.	Cash and cash equivalents
Cash & equivalents	¥69.88T	at 2024-09-30	Cons.	Cash and cash equivalents
Cash & equivalents	¥71.17T	at 2024-03-31^v	Cons.	Cash and cash equivalents
Cash & equivalents	¥60.31T	at 2023-09-30^d	Cons.	Cash and cash equivalents (5-year summary)
Operating cash flow	−¥2.25T	2025-04-01 → 2025-09-30	Cons.	Net cash provided by used in operating activities
Operating cash flow	−¥3.82T	2024-04-01 → 2025-03-31	Cons.	Net cash provided by used in operating activities (5-year summary)
Operating cash flow	−¥1.22T	2024-04-01 → 2024-09-30	Cons.	Net cash provided by used in operating activities
Operating cash flow	¥1.88T	2023-04-01 → 2024-03-31^v	Cons.	Net cash provided by used in operating activities (5-year summary)
Operating cash flow	−¥1.14T	2023-04-01 → 2023-09-30^d	Cons.	Net cash provided by used in operating activities (5-year summary)
Investing cash flow	−¥3.10T	2025-04-01 → 2025-09-30	Cons.	Net cash provided by used in investment activities
Investing cash flow	¥3.79T	2024-04-01 → 2025-03-31	Cons.	Net cash provided by used in investing activities (5-year summary)
Investing cash flow	¥252.7bn	2024-04-01 → 2024-09-30	Cons.	Net cash provided by used in investment activities
Investing cash flow	¥1.98T	2023-04-01 → 2024-03-31^v	Cons.	Net cash provided by used in investing activities (5-year summary)
Investing cash flow	−¥6.16T	2023-04-01 → 2023-09-30^d	Cons.	Net cash provided by used in investing activities (5-year summary)
Financing cash flow	¥31.5bn	2025-04-01 → 2025-09-30	Cons.	Net cash provided by used in financing activities
Financing cash flow	−¥299.0bn	2024-04-01 → 2025-03-31	Cons.	Net cash provided by used in financing activities (5-year summary)
Financing cash flow	¥236.9bn	2024-04-01 → 2024-09-30	Cons.	Net cash provided by used in financing activities
Financing cash flow	−¥231.0bn	2023-04-01 → 2024-03-31^v	Cons.	Net cash provided by used in financing activities (5-year summary)
Financing cash flow	¥293.0bn	2023-04-01 → 2023-09-30^d	Cons.	Net cash provided by used in financing activities (5-year summary)
EPS (basic)	¥276.2	2025-04-01 → 2025-09-30	Cons.	Basic earnings loss per share (5-year summary)
EPS (basic)	¥350.2	2024-04-01 → 2025-03-31	Cons.	Basic earnings loss per share (5-year summary)
EPS (basic)	¥223.35	2024-04-01 → 2024-09-30	Cons.	Basic earnings loss per share (5-year summary)
EPS (basic)	¥267.88	2023-04-01 → 2024-03-31^v	Cons.	Basic earnings loss per share (5-year summary)
EPS (basic)	¥164.03	2023-04-01 → 2023-09-30^d	Cons.	Basic earnings loss per share (5-year summary)
EPS (diluted)	¥276.2	2025-04-01 → 2025-09-30	Cons.	Diluted earnings per share (5-year summary)
EPS (diluted)	¥350.2	2024-04-01 → 2025-03-31	Cons.	Diluted earnings per share (5-year summary)
EPS (diluted)	¥223.35	2024-04-01 → 2024-09-30	Cons.	Diluted earnings per share (5-year summary)
EPS (diluted)	¥267.88	2023-04-01 → 2024-03-31^v	Cons.	Diluted earnings per share (5-year summary)
EPS (diluted)	¥164.03	2023-04-01 → 2023-09-30^d	Cons.	Diluted earnings per share (5-year summary)
Net assets per share	¥4,423.89	at 2025-09-30	Cons.	Net assets per share (5-year summary)
Net assets per share	¥4,161.03	at 2025-03-31	Cons.	Net assets per share (5-year summary)
Net assets per share	¥4,213.73	at 2024-09-30	Cons.	Net assets per share (5-year summary)
Net assets per share	¥4,037.28	at 2024-03-31^v	Cons.	Net assets per share (5-year summary)
Net assets per share	¥3,778.08	at 2023-09-30^d	Cons.	Net assets per share (5-year summary)
Equity ratio	3.8%	at 2025-09-30	Cons.	Equity to asset ratio (5-year summary)
Equity ratio	3.7%	at 2025-03-31	Cons.	Equity to asset ratio (5-year summary)
Equity ratio	3.9%	at 2024-09-30	Cons.	Equity to asset ratio (5-year summary)
Equity ratio	3.7%	at 2024-03-31^v	Cons.	Equity to asset ratio (5-year summary)
Equity ratio	3.5%	at 2023-09-30^d	Cons.	Equity to asset ratio (5-year summary)
Employees	53,256	at 2025-09-30	Cons.	Number of employees
Employees	52,554	at 2025-03-31	Cons.	Number of employees
Employees	53,185	at 2024-09-30	Cons.	Number of employees
Employees	52,307	at 2024-03-31^v	Cons.	Number of employees
Employees	52,116	at 2023-09-30^d	Cons.	Number of employees
Revenue	¥595.7bn	2025-04-01 → 2025-09-30	Standalone	Operating revenue1
Revenue	¥594.4bn	2024-04-01 → 2025-03-31	Standalone	Operating revenue1 (5-year summary)
Revenue	¥562.9bn	2024-04-01 → 2024-09-30	Standalone	Operating revenue1
Revenue	¥611.4bn	2023-04-01 → 2024-03-31^v	Standalone	Operating revenue1 (5-year summary)
Revenue	¥581.9bn	2023-04-01 → 2023-09-30^d	Standalone	Operating revenue1 (5-year summary)
Operating income	¥563.3bn	2025-04-01 → 2025-09-30	Standalone	Operating income
Operating income	¥530.7bn	2024-04-01 → 2024-09-30	Standalone	Operating income
Ordinary income	¥563.5bn	2025-04-01 → 2025-09-30	Standalone	Ordinary income
Ordinary income	¥529.9bn	2024-04-01 → 2025-03-31	Standalone	Ordinary income loss (5-year summary)
Ordinary income	¥529.6bn	2024-04-01 → 2024-09-30	Standalone	Ordinary income
Ordinary income	¥551.7bn	2023-04-01 → 2024-03-31^v	Standalone	Ordinary income loss (5-year summary)
Ordinary income	¥552.2bn	2023-04-01 → 2023-09-30^d	Standalone	Ordinary income loss (5-year summary)
Profit before tax	¥563.5bn	2025-04-01 → 2025-09-30	Standalone	Income before income taxes
Profit before tax	¥532.8bn	2024-04-01 → 2024-09-30	Standalone	Income before income taxes
Net income	¥564.4bn	2025-04-01 → 2025-09-30	Standalone	Profit loss
Net income	¥532.8bn	2024-04-01 → 2025-03-31	Standalone	Net income loss (5-year summary)
Net income	¥534.0bn	2024-04-01 → 2024-09-30	Standalone	Profit loss
Net income	¥553.0bn	2023-04-01 → 2024-03-31^v	Standalone	Net income loss (5-year summary)
Net income	¥553.5bn	2023-04-01 → 2023-09-30^d	Standalone	Net income loss (5-year summary)
Total assets	¥17.46T	at 2025-09-30	Standalone	Assets
Total assets	¥16.73T	at 2025-03-31	Standalone	Assets
Total assets	¥16.47T	at 2024-09-30	Standalone	Total assets (5-year summary)
Total assets	¥16.29T	at 2024-03-31^v	Standalone	Total assets (5-year summary)
Total assets	¥16.02T	at 2023-09-30^d	Standalone	Total assets (5-year summary)
Total liabilities	¥11.08T	at 2025-09-30	Standalone	Liabilities
Total liabilities	¥10.62T	at 2025-03-31	Standalone	Liabilities
Net assets / equity	¥6.38T	at 2025-09-30	Standalone	Net assets
Net assets / equity	¥6.11T	at 2025-03-31	Standalone	Net assets
Net assets / equity	¥6.37T	at 2024-09-30	Standalone	Net assets
Net assets / equity	¥5.98T	at 2024-03-31^v	Standalone	Net assets
Net assets / equity	¥6.11T	at 2023-09-30^d	Standalone	Net assets (5-year summary)
Cash and deposits	¥26.4bn	at 2025-09-30	Standalone	Cash and deposits
Cash and deposits	¥36.1bn	at 2025-03-31	Standalone	Cash and deposits
Dividend per share	¥72.5	2025-04-01 → 2025-09-30	Standalone	Dividend paid per share (5-year summary)
Dividend per share	¥140	2024-04-01 → 2025-03-31	Standalone	Dividend paid per share (5-year summary)
Dividend per share	¥65	2024-04-01 → 2024-09-30	Standalone	Dividend paid per share (5-year summary)
Dividend per share	¥105	2023-04-01 → 2024-03-31^v	Standalone	Dividend paid per share (5-year summary)
Dividend per share	¥50	2023-04-01 → 2023-09-30^d	Standalone	Dividend paid per share (5-year summary)
Equity ratio	36.5%	at 2025-09-30	Standalone	Equity to asset ratio (5-year summary)
Equity ratio	36.5%	at 2025-03-31	Standalone	Equity to asset ratio (5-year summary)
Equity ratio	38.7%	at 2024-09-30	Standalone	Equity to asset ratio (5-year summary)
Equity ratio	36.7%	at 2024-03-31^v	Standalone	Equity to asset ratio (5-year summary)
Equity ratio	38.1%	at 2023-09-30^d	Standalone	Equity to asset ratio (5-year summary)
Shares issued	2,489,848,000	at 2025-09-30	Standalone	Total number of issued shares (5-year summary)
Shares issued	2,513,757,000	at 2025-03-31	Standalone	Total number of issued shares (5-year summary)
Shares issued	2,539,249,000	at 2024-09-30	Standalone	Total number of issued shares (5-year summary)
Shares issued	2,539,249,000	at 2024-03-31^v	Standalone	Total number of issued shares (5-year summary)
Shares issued	2,539,249,000	at 2023-09-30^d	Standalone	Total number of issued shares (5-year summary)
Employees	2,881	at 2025-09-30	Standalone	Number of employees
Employees	2,626	at 2025-03-31	Standalone	Number of employees
Employees	2,580	at 2024-09-30	Standalone	Number of employees
Employees	2,457	at 2024-03-31^v	Standalone	Number of employees
Employees	2,429	at 2023-09-30^d	Standalone	Number 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.

All source rows · 1,233

Item	Context	Value	Unit
Income before income taxes	InterimDuration	898716000000	JPY
Depreciation and amortization ope cf	Prior1InterimDuration	93560000000	JPY
Depreciation and amortization ope cf	InterimDuration	105310000000	JPY
Impairment loss ope cf	Prior1InterimDuration	1564000000	JPY
Impairment loss ope cf	InterimDuration	992000000	JPY
Amortization of goodwill ope cf	Prior1InterimDuration	3598000000	JPY
Amortization of goodwill ope cf	InterimDuration	3655000000	JPY
Equity in earnings losses of affiliates ope cf	Prior1InterimDuration	-27771000000	JPY
Equity in earnings losses of affiliates ope cf	InterimDuration	-26680000000	JPY
Increase decrease in allowance for loan losses ope cfbnk	Prior1InterimDuration	-56765000000	JPY
Increase decrease in allowance for loan losses ope cfbnk	InterimDuration	-267417000000	JPY
Increase decrease in allowance for investment loss ope cf	Prior1InterimDuration	0	JPY
Increase decrease in allowance for investment loss ope cf	InterimDuration	-2000000	JPY
Increase decrease in reserve for possible losses on sales of loans ope cf	Prior1InterimDuration	115000000	JPY
Increase decrease in reserve for possible losses on sales of loans ope cf	InterimDuration	-1225000000	JPY
Increase decrease in provision for contingent loss ope cfbnk	Prior1InterimDuration	-2842000000	JPY
Increase decrease in provision for contingent loss ope cfbnk	InterimDuration	-4413000000	JPY
Increase decrease in provision for bonuses ope cf	Prior1InterimDuration	-56591000000	JPY
Increase decrease in provision for bonuses ope cf	InterimDuration	-77109000000	JPY
Increase decrease in reserve for variable compensation ope cf	Prior1InterimDuration	-1359000000	JPY
Increase decrease in reserve for variable compensation ope cf	InterimDuration	-837000000	JPY
Increase decrease in net defined benefit asset ope cf	Prior1InterimDuration	-32099000000	JPY
Increase decrease in net defined benefit asset ope cf	InterimDuration	122015000000	JPY
Increase decrease in net defined benefit liability ope cf	Prior1InterimDuration	-372000000	JPY
Increase decrease in net defined benefit liability ope cf	InterimDuration	465000000	JPY
Increase decrease in provision for directors retirement benefits ope cf	Prior1InterimDuration	-109000000	JPY
Increase decrease in provision for directors retirement benefits ope cf	InterimDuration	-67000000	JPY
Increase decrease in provision for reimbursement of deposits ope cfbnk	Prior1InterimDuration	-1538000000	JPY
Increase decrease in provision for reimbursement of deposits ope cfbnk	InterimDuration	-1110000000	JPY
Increase decrease in reserve for reimbursement of debentures ope cf	Prior1InterimDuration	-1407000000	JPY
Increase decrease in reserve for reimbursement of debentures ope cf	InterimDuration	-3925000000	JPY
Gain on fund management ope cfbnk	Prior1InterimDuration	-3045939000000	JPY
Gain on fund management ope cfbnk	InterimDuration	-2891300000000	JPY
Financing expenses ope cfbnk	Prior1InterimDuration	2563082000000	JPY
Financing expenses ope cfbnk	InterimDuration	2238619000000	JPY
Loss gain related to securities ope cfbnk	Prior1InterimDuration	-146335000000	JPY
Loss gain related to securities ope cfbnk	InterimDuration	-118319000000	JPY
Loss gain on money held in trust ope cfbnk	Prior1InterimDuration	-514000000	JPY
Loss gain on money held in trust ope cfbnk	InterimDuration	-1082000000	JPY
Foreign exchange losses gains ope cf	Prior1InterimDuration	685703000000	JPY
Foreign exchange losses gains ope cf	InterimDuration	-4582000000	JPY
Loss gain on disposal of noncurrent assets ope cf	Prior1InterimDuration	-32238000000	JPY
Loss gain on disposal of noncurrent assets ope cf	InterimDuration	-7637000000	JPY
Losses gains on revision of retirement benefit plan ope cf	Prior1InterimDuration	-9015000000	JPY
Losses gains on revision of retirement benefit plan ope cf	InterimDuration	－	JPY
Losses gains on cancellation of employee retirement benefit trust ope cf	Prior1InterimDuration	-3788000000	JPY
Losses gains on cancellation of employee retirement benefit trust ope cf	InterimDuration	-38566000000	JPY
Net decrease increase in trading assets ope cfbnk	Prior1InterimDuration	-560035000000	JPY
Net decrease increase in trading assets ope cfbnk	InterimDuration	-3359884000000	JPY
Net increase decrease in trading liabilities ope cfbnk	Prior1InterimDuration	-35999000000	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 · 24 of 24 passed

balance sheet identity	consolidated 2025-03-31	pass
balance sheet identity	consolidated 2025-09-30	pass rounding
balance sheet identity	non_consolidated 2025-03-31	pass
balance sheet identity	non_consolidated 2025-09-30	pass rounding
dei present		pass
period resolution		pass
statement vs summary · net assets	consolidated 2024-03-31	pass
statement vs summary · net assets	consolidated 2024-09-30	pass
statement vs summary · net assets	consolidated 2025-03-31	pass
statement vs summary · net assets	consolidated 2025-09-30	pass
statement vs summary · net assets	non_consolidated 2024-03-31	pass
statement vs summary · net assets	non_consolidated 2024-09-30	pass
statement vs summary · net assets	non_consolidated 2025-03-31	pass
statement vs summary · net assets	non_consolidated 2025-09-30	pass
statement vs summary · net income attributable to parent	consolidated 2024-04-01/2024-09-30	pass
statement vs summary · net income attributable to parent	consolidated 2025-04-01/2025-09-30	pass
statement vs summary · operating cash flow	consolidated 2024-04-01/2024-09-30	pass
statement vs summary · operating cash flow	consolidated 2025-04-01/2025-09-30	pass
statement vs summary · revenue	non_consolidated 2024-04-01/2024-09-30	pass
statement vs summary · revenue	non_consolidated 2025-04-01/2025-09-30	pass
statement vs summary · total assets	consolidated 2025-03-31	pass
statement vs summary · total assets	consolidated 2025-09-30	pass
statement vs summary · total assets	non_consolidated 2025-03-31	pass
statement vs summary · total assets	non_consolidated 2025-09-30	pass