Half-year report · HY

Period2025-04-01 → 2025-09-30
Filed2025-11-27
StandardJapan GAAP
ConsolidatedYes
Data checks22 of 22 passed
Key figures · 110
MetricValuePeriodScopeSource row
Ordinary income¥12.7bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥20.9bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥10.3bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥14.5bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥6.3bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥13.0bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥10.2bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥9.1bn2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥14.7bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥7.5bn2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥10.0bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥4.5bn2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥9.1bn2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥7.5bn2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥6.10Tat 2025-09-30Cons.Assets
Total assets¥5.77Tat 2025-03-31Cons.Assets
Total assets¥5.64Tat 2024-09-30Cons.Total assets (5-year summary)
Total assets¥5.43Tat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥5.27Tat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥5.80Tat 2025-09-30Cons.Liabilities
Total liabilities¥5.49Tat 2025-03-31Cons.Liabilities
Net assets / equity¥297.4bnat 2025-09-30Cons.Net assets
Net assets / equity¥276.5bnat 2025-03-31Cons.Net assets
Net assets / equity¥278.7bnat 2024-09-30Cons.Net assets
Net assets / equity¥303.3bnat 2024-03-31vCons.Net assets
Net assets / equity¥261.3bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥878.3bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥705.0bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥779.0bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥551.0bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥535.0bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥192.9bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥219.5bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥215.1bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥84.5bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥74.6bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥16.9bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥49.9bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥16.6bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥25.0bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥15.8bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥2.6bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥15.6bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥3.8bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥5.1bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥2.1bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥185.932025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥298.912024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥152.072024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥594.132023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥264.382023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥6,045.53at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥5,623.12at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥5,667.17at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥18,180.15at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥15,380.63at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio4.9%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio4.8%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.9%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio5.6%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio5.0%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees1,975at 2025-09-30Cons.Number of employees
Employees1,924at 2025-03-31Cons.Number of employees
Employees1,967at 2024-09-30Cons.Number of employees
Employees1,940at 2024-03-31vCons.Number of employees
Employees2,007at 2023-09-30dCons.Number of employees
Ordinary income¥12.9bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥19.9bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥10.2bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥13.6bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥6.2bn2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥13.2bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥10.1bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥9.5bn2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥14.3bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥7.7bn2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥9.7bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥4.7bn2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥6.06Tat 2025-09-30StandaloneAssets
Total assets¥5.72Tat 2025-03-31StandaloneAssets
Total assets¥5.59Tat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥5.38Tat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥5.23Tat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥5.77Tat 2025-09-30StandaloneLiabilities
Total liabilities¥5.46Tat 2025-03-31StandaloneLiabilities
Net assets / equity¥282.8bnat 2025-09-30StandaloneNet assets
Net assets / equity¥261.2bnat 2025-03-31StandaloneNet assets
Net assets / equity¥261.5bnat 2024-09-30StandaloneNet assets
Net assets / equity¥285.4bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥251.3bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥1502025-04-01 → 2025-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥2702024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥1102024-04-01 → 2024-09-30StandaloneDividend paid per share (5-year summary)
Dividend per share¥1802023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥802023-04-01 → 2023-09-30dStandaloneDividend paid per share (5-year summary)
Equity ratio4.7%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.6%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.7%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.3%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued16,455,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued16,455,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued16,455,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued16,755,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued17,055,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees1,740at 2025-09-30StandaloneNumber of employees
Employees1,687at 2025-03-31StandaloneNumber of employees
Employees1,729at 2024-09-30StandaloneNumber of employees
Employees1,705at 2024-03-31vStandaloneNumber of employees
Employees1,771at 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 · 71
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2025-04-01 → 2025-09-30¥13m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2025-04-01 → 2025-09-30¥48m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2025-04-01 → 2025-09-30¥1.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2025-04-01 → 2025-09-30¥24m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-09-30¥2.8bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2025-04-01 → 2025-09-30−¥20m
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥931m
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥948m
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥46.6bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥1.1bn
Bankingreportable segmentsegment assetsat 2025-09-30¥6.06T
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥12.9bn
Credit Cardreportable segmentcapex2025-04-01 → 2025-09-30¥42m
Credit Cardreportable segmentdepreciation2025-04-01 → 2025-09-30¥7m
Credit Cardreportable segmentrevenue external2025-04-01 → 2025-09-30¥1.1bn
Credit Cardreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥108m
Credit Cardreportable segmentsegment assetsat 2025-09-30¥17.7bn
Credit Cardreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥325m
Leasingreportable segmentcapex2025-04-01 → 2025-09-30¥124m
Leasingreportable segmentdepreciation2025-04-01 → 2025-09-30¥228m
Leasingreportable segmentrevenue external2025-04-01 → 2025-09-30¥11.4bn
Leasingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥106m
Leasingreportable segmentsegment assetsat 2025-09-30¥65.4bn
Leasingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥320m
—segment totalcapex2025-04-01 → 2025-09-30¥1.1bn
—segment totaldepreciation2025-04-01 → 2025-09-30¥1.2bn
—segment totalrevenue external2025-04-01 → 2025-09-30¥59.0bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥1.3bn
—segment totalsegment assetsat 2025-09-30¥6.14T
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥13.6bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥1.1bn
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥1.2bn
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥60.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥1.3bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥6.14T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥13.6bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2024-09-30¥51m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2024-09-30¥1.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2024-09-30¥38m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-09-30¥2.7bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2024-09-30−¥29m
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥103m
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥1.1bn
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥34.7bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥921m
Bankingreportable segmentsegment assetsat 2024-09-30¥5.59T
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥10.2bn
Credit Cardreportable segmentcapex2024-04-01 → 2024-09-30¥1m
Credit Cardreportable segmentdepreciation2024-04-01 → 2024-09-30¥4m
Credit Cardreportable segmentrevenue external2024-04-01 → 2024-09-30¥1.2bn
Credit Cardreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥111m
Credit Cardreportable segmentsegment assetsat 2024-09-30¥17.0bn
Credit Cardreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥448m
Leasingreportable segmentcapex2024-04-01 → 2024-09-30¥62m
Leasingreportable segmentdepreciation2024-04-01 → 2024-09-30¥223m
Leasingreportable segmentrevenue external2024-04-01 → 2024-09-30¥11.1bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥105m
Leasingreportable segmentsegment assetsat 2024-09-30¥58.5bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥423m
—segment totalcapex2024-04-01 → 2024-09-30¥166m
—segment totaldepreciation2024-04-01 → 2024-09-30¥1.3bn
—segment totalrevenue external2024-04-01 → 2024-09-30¥47.0bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥1.1bn
—segment totalsegment assetsat 2024-09-30¥5.66T
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥11.1bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥166m
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥1.3bn
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥48.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥1.2bn
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥5.67T
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥11.1bn

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

All source rows · 1,200
ItemContextValueUnit
Address major shareholdersInterimInstant_No10MajorShareholdersMember
Original text (Japanese)名古屋市熱田区桜田町19番18号
Issued shares voting rights (text)FilingDateInstantText · Plus
Description issued shares voting rightsInterimInstant_SharesWithNoVotingRightsMember-
Description issued shares voting rightsInterimInstant_SharesWithRestrictedVotingRightsTreasurySharesEtcMember-
Description issued shares voting rightsInterimInstant_SharesWithRestrictedVotingRightsOtherMember-
Description issued shares voting rightsInterimInstant_SharesWithFullVotingRightsTreasurySharesEtcMember
Original text (Japanese)単元株式数は100株であります。
Description issued shares voting rightsInterimInstant_SharesWithFullVotingRightsOtherMember
Original text (Japanese)単元株式数は100株であります。
Description issued shares voting rightsInterimInstant_SharesLessThanOneUnitMember-
Treasury shares etc (text)FilingDateInstantText · Plus
Name of shareholder treasury shares etcInterimInstant_Row1Member
Original text (Japanese)㈱名古屋銀行
Address of shareholder treasury shares etcInterimInstant_Row1Member
Original text (Japanese)名古屋市中区錦三丁目19番17号
Information about officers (text)FilingDateInstantText · Plus
Description of fact that company engages specified business and has prepared its semi annual consolidated financial statements financial informationInterimDurationText · Plus
Description of fact that consolidated financial statements have been prepared in accordance with special ordinance or regulations for industry in appended list financial informationInterimDurationText · Plus
Type2 semi annual consolidated financial statements financial informationInterimDurationText · Plus
Description of fact that financial statements have been prepared in accordance with special ordinance or regulations for industry in appended list financial informationInterimDurationText · Plus
Type2 semi annual financial statements financial informationInterimDurationText · Plus
Note on independent audit financial informationInterimDurationText · Plus
Semi annual consolidated balance sheet (text)InterimDurationText · Plus
Semi annual consolidated statement of income (text)InterimDurationText · Plus
Semi annual consolidated statement of comprehensive income (text)InterimDurationText · Plus
Semi annual consolidated statement of changes in equity (text)InterimDurationText · Plus
Semi annual consolidated statement of cash flows (text)InterimDurationText · Plus
Notes significant accounting policies for preparation of semi annual consolidated financial statements (text)InterimDurationText · Plus
Number of consolidated subsidiaries and names of major consolidated subsidiaries (text)InterimDurationText · Plus
Names of major unconsolidated subsidiaries and reasons for exclusion from scope of consolidation (text)InterimDurationText · Plus
Names of companies etc and reasons for not being deemed as subsidiaries even though more than half of voting rights are owned by reporting company (text)InterimDurationText · Plus
Number of unconsolidated subsidiaries and associates accounted for using equity method and names of major entities accounted for using equity method (text)InterimDurationText · Plus
Names of major unconsolidated subsidiaries and associates and reasons for not being accounted for using equity method (text)InterimDurationText · Plus
Disclosure about fiscal years etc of consolidated subsidiaries (text)InterimDurationText · Plus
Summary of special purpose entities subject to disclosure overview and amounts of transactions with such entities and other relevant material information (text)InterimDurationText · Plus
Disclosure of accounting policies (text)InterimDurationText · Plus
Notes regarding total amounts of shares of and or loans to unconsolidated subsidiaries and associates (text)InterimInstantText · Plus
Notes regarding loans based on banking act and act on emergency measures for revitalization of financial functions bnk (text)InterimInstantText · Plus
Notes regarding bills discounted in banking industry bnk (text)InterimInstantText · Plus
Notes regarding pledged assets (text)InterimInstantText · Plus
Creditors notes regarding overdraft contracts and or loan commitments (text)InterimInstantText · Plus
Notes regarding revaluation of land for business (text)InterimInstantText · Plus
Notes regarding accumulated depreciation of property plant and equipment (text)InterimInstantText · Plus
Notes regarding amounts of reduction entry of property plant and equipment (text)InterimInstantText · Plus
Notes regarding subordinated borrowings (text)InterimInstantText · Plus
Notes regarding subordinated bonds payable (text)InterimInstantText · Plus
Notes regarding guarantee obligation for corporate bonds included in assets (text)InterimInstantText · Plus
Notes regarding borrowed money from trust account (text)InterimInstantText · Plus
Major components of other income bnk (text)InterimDurationText · Plus
Major components of expenses in general and administrative expenses (text)InterimDurationText · Plus
Major components of other expenses bnk (text)InterimDurationText · Plus
Notes regarding issued shares and treasury shares (text)Prior1InterimDurationText · Plus
Notes regarding new share subscription rights etc (text)Prior1InterimDurationText · Plus
Notes regarding dividend (text)Prior1InterimDurationText · Plus

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