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← The Bank Of Kochi

Half-year report · HY

8416.TEDINET S100X627
Period2025-04-01 → 2025-09-30
Filed2025-11-21
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 116
MetricValuePeriodScopeSource row
Ordinary income¥705m2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥1.2bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥1.4bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥2.0bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥980m2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥644m2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥1.4bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥218m2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥860m2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥950m2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥1.3bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥757m2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥266m2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥997m2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥1.16Tat 2025-09-30Cons.Assets
Total assets¥1.15Tat 2025-03-31Cons.Assets
Total assets¥1.15Tat 2024-09-30Cons.Assets
Total assets¥1.14Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥1.13Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥1.11Tat 2025-09-30Cons.Liabilities
Total liabilities¥1.10Tat 2025-03-31Cons.Liabilities
Total liabilities¥1.09Tat 2024-09-30Cons.Liabilities
Net assets / equity¥55.7bnat 2025-09-30Cons.Net assets
Net assets / equity¥54.2bnat 2025-03-31Cons.Net assets
Net assets / equity¥60.9bnat 2024-09-30Cons.Net assets
Net assets / equity¥62.0bnat 2024-03-31vCons.Net assets
Net assets / equity¥58.5bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥88.5bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥94.3bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥73.8bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥62.6bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥53.9bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥20.0bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥25.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥21.0bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥22.1bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥32.9bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥25.6bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥6.3bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥9.6bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥5.9bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥4.0bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥180m2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥413m2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥215m2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥17.7bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥17.5bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥15.742025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥73.432024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥88.052024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥111.962023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥69.092023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥11.722025-04-01 → 2025-09-30Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥51.952024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥57.32024-04-01 → 2024-09-30Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥41.562023-04-01 → 2024-03-31vCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥18.932023-04-01 → 2023-09-30dCons.Diluted earnings per share (5-year summary)
Net assets per share¥4,469.01at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥4,347.89at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥5,008.98at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥5,115.28at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥4,778.1at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio4.5%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio4.4%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.0%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio5.1%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio4.9%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees744at 2025-09-30Cons.Number of employees
Employees721at 2025-03-31Cons.Number of employees
Employees743at 2024-09-30Cons.Number of employees
Employees726at 2024-03-31vCons.Number of employees
Employees746at 2023-09-30dCons.Number of employees
Ordinary income¥570m2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥1.1bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.3bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥1.6bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥922m2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥508m2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥1.2bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥177m2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥790m2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥903m2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥1.1bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥742m2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥1.15Tat 2025-09-30StandaloneAssets
Total assets¥1.14Tat 2025-03-31StandaloneAssets
Total assets¥1.14Tat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥1.13Tat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥1.12Tat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥1.10Tat 2025-09-30StandaloneLiabilities
Total liabilities¥1.09Tat 2025-03-31StandaloneLiabilities
Net assets / equity¥49.7bnat 2025-09-30StandaloneNet assets
Net assets / equity¥48.3bnat 2025-03-31StandaloneNet assets
Net assets / equity¥55.1bnat 2024-09-30StandaloneNet assets
Net assets / equity¥56.2bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥53.1bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥102025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥252024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥102024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥252023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥102023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio4.3%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.2%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.0%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued10,244,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued10,244,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued10,244,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued10,244,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued10,244,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees712at 2025-09-30StandaloneNumber of employees
Employees688at 2025-03-31StandaloneNumber of employees
Employees710at 2024-09-30StandaloneNumber of employees
Employees694at 2024-03-31vStandaloneNumber of employees
Employees713at 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 Itemsreconcilingcapex2025-04-01 → 2025-09-30¥12m
Reconciling Itemsreconcilingdepreciation2025-04-01 → 2025-09-30¥5m
Reconciling Itemsreconcilingrevenue external2025-04-01 → 2025-09-30−¥1m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥78m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥4.5bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30−¥3m
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥400m
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥369m
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥9.9bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥30m
Bankingreportable segmentsegment assetsat 2025-09-30¥1.15T
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥575m
Credit Card Businessreportable segmentrevenue external2025-04-01 → 2025-09-30¥194m
Credit Card Businessreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥1m
Credit Card Businessreportable segmentsegment assetsat 2025-09-30¥3.3bn
Credit Card Businessreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥0
Leasing Industryreportable segmentcapex2025-04-01 → 2025-09-30¥0
Leasing Industryreportable segmentdepreciation2025-04-01 → 2025-09-30¥40m
Leasing Industryreportable segmentrevenue external2025-04-01 → 2025-09-30¥3.6bn
Leasing Industryreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥46m
Leasing Industryreportable segmentsegment assetsat 2025-09-30¥11.3bn
Leasing Industryreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥133m
—segment totalcapex2025-04-01 → 2025-09-30¥400m
—segment totaldepreciation2025-04-01 → 2025-09-30¥409m
—segment totalrevenue external2025-04-01 → 2025-09-30¥13.6bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥78m
—segment totalsegment assetsat 2025-09-30¥1.17T
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥709m
Reconciling Itemsreconcilingcapex2024-04-01 → 2024-09-30¥4m
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2024-09-30¥7m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥61m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥4.9bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30−¥3m
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥220m
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥408m
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥9.5bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥22m
Bankingreportable segmentsegment assetsat 2024-09-30¥1.14T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥1.3bn
Credit Card Businessreportable segmentrevenue external2024-04-01 → 2024-09-30¥184m
Credit Card Businessreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥1m
Credit Card Businessreportable segmentsegment assetsat 2024-09-30¥3.0bn
Credit Card Businessreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥6m
Leasing Industryreportable segmentdepreciation2024-04-01 → 2024-09-30¥40m
Leasing Industryreportable segmentrevenue external2024-04-01 → 2024-09-30¥2.6bn
Leasing Industryreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥38m
Leasing Industryreportable segmentsegment assetsat 2024-09-30¥12.4bn
Leasing Industryreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥126m
—segment totalcapex2024-04-01 → 2024-09-30¥220m
—segment totaldepreciation2024-04-01 → 2024-09-30¥448m
—segment totalrevenue external2024-04-01 → 2024-09-30¥12.3bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥61m
—segment totalsegment assetsat 2024-09-30¥1.16T
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥1.4bn

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

All source rows · 1,256
ItemContextValueUnit
Deferred tax assetsInterimInstant_NonConsolidatedMember1509000000JPY
Customers liabilities for acceptances and guarantees assets bnkPrior1YearInstant_NonConsolidatedMember1794000000JPY
Customers liabilities for acceptances and guarantees assets bnkInterimInstant_NonConsolidatedMember2061000000JPY
Allowance for loan losses assets bnkPrior1YearInstant_NonConsolidatedMember-11936000000JPY
Allowance for loan losses assets bnkInterimInstant_NonConsolidatedMember-12348000000JPY
AssetsPrior1YearInstant_NonConsolidatedMember1142700000000JPY
AssetsInterimInstant_NonConsolidatedMember1152050000000JPY
Deposits liabilities bnkPrior1YearInstant_NonConsolidatedMember999797000000JPY
Deposits liabilities bnkInterimInstant_NonConsolidatedMember1016680000000JPY
Negotiable certificates of deposit liabilities bnkPrior1YearInstant_NonConsolidatedMember32900000000JPY
Negotiable certificates of deposit liabilities bnkInterimInstant_NonConsolidatedMember17200000000JPY
Borrowed money liabilities bnkPrior1YearInstant_NonConsolidatedMember51376000000JPY
Borrowed money liabilities bnkInterimInstant_NonConsolidatedMember56378000000JPY
Foreign exchanges liabilities bnkPrior1YearInstant_NonConsolidatedMember2000000JPY
Foreign exchanges liabilities bnkInterimInstant_NonConsolidatedMember－JPY
Other liabilities liabilities bnkPrior1YearInstant_NonConsolidatedMember6435000000JPY
Other liabilities liabilities bnkInterimInstant_NonConsolidatedMember7917000000JPY
Income taxes payablePrior1YearInstant_NonConsolidatedMember91000000JPY
Income taxes payableInterimInstant_NonConsolidatedMember238000000JPY
Lease obligations clPrior1YearInstant_NonConsolidatedMember30000000JPY
Lease obligations clInterimInstant_NonConsolidatedMember15000000JPY
Other other liabilities liabilities bnkPrior1YearInstant_NonConsolidatedMember6313000000JPY
Other other liabilities liabilities bnkInterimInstant_NonConsolidatedMember7662000000JPY
Provision for bonusesPrior1YearInstant_NonConsolidatedMember403000000JPY
Provision for bonusesInterimInstant_NonConsolidatedMember399000000JPY
Provision for reimbursement of deposits liabilities bnkPrior1YearInstant_NonConsolidatedMember91000000JPY
Provision for reimbursement of deposits liabilities bnkInterimInstant_NonConsolidatedMember79000000JPY
Provision for share based compensation liabilities bnkPrior1YearInstant_NonConsolidatedMember61000000JPY
Provision for share based compensation liabilities bnkInterimInstant_NonConsolidatedMember29000000JPY
Deferred tax liabilities for land revaluationPrior1YearInstant_NonConsolidatedMember1512000000JPY
Deferred tax liabilities for land revaluationInterimInstant_NonConsolidatedMember1557000000JPY
Acceptances and guarantees liabilities bnkPrior1YearInstant_NonConsolidatedMember1794000000JPY
Acceptances and guarantees liabilities bnkInterimInstant_NonConsolidatedMember2061000000JPY
LiabilitiesPrior1YearInstant_NonConsolidatedMember1094374000000JPY
LiabilitiesInterimInstant_NonConsolidatedMember1102302000000JPY
Capital stockPrior1YearInstant_NonConsolidatedMember15444000000JPY
Capital stockInterimInstant_NonConsolidatedMember15444000000JPY
Capital surplusPrior1YearInstant_NonConsolidatedMember10309000000JPY
Capital surplusInterimInstant_NonConsolidatedMember10294000000JPY
Legal capital surplusPrior1YearInstant_NonConsolidatedMember7651000000JPY
Legal capital surplusInterimInstant_NonConsolidatedMember7651000000JPY
Other capital surplusPrior1YearInstant_NonConsolidatedMember2658000000JPY
Other capital surplusInterimInstant_NonConsolidatedMember2643000000JPY
Retained earningsPrior1YearInstant_NonConsolidatedMember28139000000JPY
Retained earningsInterimInstant_NonConsolidatedMember28104000000JPY
Legal retained earningsPrior1YearInstant_NonConsolidatedMember1438000000JPY
Legal retained earningsInterimInstant_NonConsolidatedMember1480000000JPY
Other retained earningsPrior1YearInstant_NonConsolidatedMember26700000000JPY
Other retained earningsInterimInstant_NonConsolidatedMember26623000000JPY
Reserve for reduction entry1Prior1YearInstant_NonConsolidatedMember237000000JPY

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 identityconsolidated 2024-09-30pass rounding
balance sheet identityconsolidated 2025-03-31pass rounding
balance sheet identityconsolidated 2025-09-30pass rounding
balance sheet identitynon_consolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2025-09-30pass rounding
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