Annual report

Period2021-04-01 → 2022-03-31
Filed2022-06-28
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 140
MetricValuePeriodScopeSource row
Ordinary income¥2.8bn2021-04-01 → 2022-03-31Cons.Ordinary income
Ordinary income¥2.8bn2020-04-01 → 2021-03-31Cons.Ordinary income
Ordinary income¥2.4bn2019-04-01 → 2020-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.5bn2018-04-01 → 2019-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.5bn2017-04-01 → 2018-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥2.6bn2021-04-01 → 2022-03-31Cons.Income before income taxes
Profit before tax¥2.6bn2020-04-01 → 2021-03-31Cons.Income before income taxes
Net income (owners)¥2.1bn2021-04-01 → 2022-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥1.5bn2020-04-01 → 2021-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥1.3bn2019-04-01 → 2020-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.3bn2018-04-01 → 2019-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.6bn2017-04-01 → 2018-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥2.1bn2021-04-01 → 2022-03-31Cons.Profit loss
Net income¥1.5bn2020-04-01 → 2021-03-31Cons.Profit loss
Total assets¥1.68Tat 2022-03-31Cons.Assets
Total assets¥1.67Tat 2021-03-31Cons.Assets
Total assets¥1.41Tat 2020-03-31dCons.Total assets (5-year summary)
Total assets¥1.43Tat 2019-03-31dCons.Total assets (5-year summary)
Total assets¥1.43Tat 2018-03-31dCons.Total assets (5-year summary)
Total liabilities¥1.60Tat 2022-03-31Cons.Liabilities
Total liabilities¥1.59Tat 2021-03-31Cons.Liabilities
Net assets / equity¥75.4bnat 2022-03-31Cons.Net assets
Net assets / equity¥74.5bnat 2021-03-31Cons.Net assets
Net assets / equity¥69.4bnat 2020-03-31dCons.Net assets
Net assets / equity¥71.9bnat 2019-03-31dCons.Net assets (5-year summary)
Net assets / equity¥71.0bnat 2018-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥277.9bnat 2022-03-31Cons.Cash and cash equivalents
Cash & equivalents¥314.8bnat 2021-03-31Cons.Cash and cash equivalents
Cash & equivalents¥102.5bnat 2020-03-31dCons.Cash and cash equivalents
Cash & equivalents¥122.0bnat 2019-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥131.8bnat 2018-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥30.5bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥213.7bn2020-04-01 → 2021-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥23.5bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥8.4bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥39.4bn2017-04-01 → 2018-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥5.8bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥837m2020-04-01 → 2021-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥4.8bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥2.2bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥54.3bn2017-04-01 → 2018-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥591m2021-04-01 → 2022-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥465m2020-04-01 → 2021-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥810m2019-04-01 → 2020-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥3.5bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥515m2017-04-01 → 2018-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥249.442021-04-01 → 2022-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥180.332020-04-01 → 2021-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥152.62019-04-01 → 2020-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥152.422018-04-01 → 2019-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥189.542017-04-01 → 2018-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥247.962021-04-01 → 2022-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥179.072020-04-01 → 2021-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥151.312019-04-01 → 2020-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥151.042018-04-01 → 2019-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥188.182017-04-01 → 2018-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥8,977.27at 2022-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥8,795.72at 2021-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥8,217.38at 2020-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥8,379.14at 2019-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥8,278.27at 2018-03-31dCons.Net assets per share (5-year summary)
Equity ratio4.5%at 2022-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.5%at 2021-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.9%at 2020-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio5.0%at 2019-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio5.0%at 2018-03-31dCons.Equity to asset ratio (5-year summary)
ROE2.8%2021-04-01 → 2022-03-31Cons.Rate of return on equity (5-year summary)
ROE2.1%2020-04-01 → 2021-03-31Cons.Rate of return on equity (5-year summary)
ROE1.8%2019-04-01 → 2020-03-31dCons.Rate of return on equity (5-year summary)
ROE1.8%2018-04-01 → 2019-03-31dCons.Rate of return on equity (5-year summary)
ROE2.3%2017-04-01 → 2018-03-31dCons.Rate of return on equity (5-year summary)
Employees833at 2022-03-31Cons.Number of employees
Employees853at 2021-03-31Cons.Number of employees
Employees870at 2020-03-31dCons.Number of employees
Employees888at 2019-03-31dCons.Number of employees
Employees902at 2018-03-31dCons.Number of employees
Ordinary income¥2.8bn2021-04-01 → 2022-03-31StandaloneOrdinary income
Ordinary income¥2.6bn2020-04-01 → 2021-03-31StandaloneOrdinary income
Ordinary income¥2.1bn2019-04-01 → 2020-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.6bn2018-04-01 → 2019-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.1bn2017-04-01 → 2018-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥2.6bn2021-04-01 → 2022-03-31StandaloneIncome before income taxes
Profit before tax¥2.4bn2020-04-01 → 2021-03-31StandaloneIncome before income taxes
Net income¥2.2bn2021-04-01 → 2022-03-31StandaloneProfit loss
Net income¥1.5bn2020-04-01 → 2021-03-31StandaloneProfit loss
Net income¥1.1bn2019-04-01 → 2020-03-31dStandaloneNet income loss (5-year summary)
Net income¥1.4bn2018-04-01 → 2019-03-31dStandaloneNet income loss (5-year summary)
Net income¥1.4bn2017-04-01 → 2018-03-31dStandaloneNet income loss (5-year summary)
Total assets¥1.67Tat 2022-03-31StandaloneAssets
Total assets¥1.66Tat 2021-03-31StandaloneAssets
Total assets¥1.40Tat 2020-03-31dStandaloneTotal assets (5-year summary)
Total assets¥1.43Tat 2019-03-31dStandaloneTotal assets (5-year summary)
Total assets¥1.42Tat 2018-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥1.60Tat 2022-03-31StandaloneLiabilities
Total liabilities¥1.59Tat 2021-03-31StandaloneLiabilities
Net assets / equity¥72.7bnat 2022-03-31StandaloneNet assets
Net assets / equity¥71.8bnat 2021-03-31StandaloneNet assets
Net assets / equity¥67.2bnat 2020-03-31dStandaloneNet assets
Net assets / equity¥69.8bnat 2019-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥68.7bnat 2018-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥263.412021-04-01 → 2022-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥173.32020-04-01 → 2021-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥135.762019-04-01 → 2020-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥167.452018-04-01 → 2019-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥164.642017-04-01 → 2018-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥261.852021-04-01 → 2022-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥172.082020-04-01 → 2021-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥134.612019-04-01 → 2020-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥165.942018-04-01 → 2019-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥163.462017-04-01 → 2018-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥602021-04-01 → 2022-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥502020-04-01 → 2021-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥602019-04-01 → 2020-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥602018-04-01 → 2019-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥602017-04-01 → 2018-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥8,656.87at 2022-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥8,473.38at 2021-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥7,955.31at 2020-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥8,133.72at 2019-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥8,004.42at 2018-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio4.3%at 2022-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.3%at 2021-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2020-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.9%at 2019-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2018-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE3.1%2021-04-01 → 2022-03-31StandaloneRate of return on equity (5-year summary)
ROE2.1%2020-04-01 → 2021-03-31StandaloneRate of return on equity (5-year summary)
ROE1.7%2019-04-01 → 2020-03-31dStandaloneRate of return on equity (5-year summary)
ROE2.1%2018-04-01 → 2019-03-31dStandaloneRate of return on equity (5-year summary)
ROE2.1%2017-04-01 → 2018-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued8,793,000at 2022-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2021-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2020-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2019-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2018-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees820at 2022-03-31StandaloneNumber of employees
Employees840at 2021-03-31StandaloneNumber of employees
Employees855at 2020-03-31dStandaloneNumber of employees
Employees873at 2019-03-31dStandaloneNumber of employees
Employees871at 2018-03-31dStandaloneNumber 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 · 56
SegmentItemPeriodValue
Reconciling Itemsreconcilingrevenue intersegment2021-04-01 → 2022-03-31−¥925m
Reconciling Itemsreconcilingsegment assetsat 2022-03-31−¥10.8bn
Reconciling Itemsreconcilingsegment ordinary income2021-04-01 → 2022-03-31−¥329m
Bankingreportable segmentcapex2021-04-01 → 2022-03-31¥859m
Bankingreportable segmentdepreciation2021-04-01 → 2022-03-31¥609m
Bankingreportable segmentemployeesat 2022-03-31820 pure
Bankingreportable segmentrevenue external2021-04-01 → 2022-03-31¥19.6bn
Bankingreportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥387m
Bankingreportable segmentsegment assetsat 2022-03-31¥1.67T
Bankingreportable segmentsegment ordinary income2021-04-01 → 2022-03-31¥2.8bn
Credit Card Credit Guaranteereportable segmentcapex2021-04-01 → 2022-03-31¥4m
Credit Card Credit Guaranteereportable segmentdepreciation2021-04-01 → 2022-03-31¥4m
Credit Card Credit Guaranteereportable segmentemployeesat 2022-03-316 pure
Credit Card Credit Guaranteereportable segmentrevenue external2021-04-01 → 2022-03-31¥138m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥527m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2022-03-31¥2.0bn
Credit Card Credit Guaranteereportable segmentsegment ordinary income2021-04-01 → 2022-03-31¥258m
Leasingreportable segmentcapex2021-04-01 → 2022-03-31¥4m
Leasingreportable segmentdepreciation2021-04-01 → 2022-03-31¥19m
Leasingreportable segmentemployeesat 2022-03-317 pure
Leasingreportable segmentrevenue external2021-04-01 → 2022-03-31¥3.4bn
Leasingreportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥10m
Leasingreportable segmentsegment assetsat 2022-03-31¥11.7bn
Leasingreportable segmentsegment ordinary income2021-04-01 → 2022-03-31¥48m
—segment totalcapex2021-04-01 → 2022-03-31¥868m
—segment totaldepreciation2021-04-01 → 2022-03-31¥633m
—segment totalrevenue external2021-04-01 → 2022-03-31¥23.1bn
—segment totalrevenue intersegment2021-04-01 → 2022-03-31¥925m
—segment totalsegment assetsat 2022-03-31¥1.69T
—segment totalsegment ordinary income2021-04-01 → 2022-03-31¥3.1bn
Reconciling Itemsreconcilingrevenue intersegment2020-04-01 → 2021-03-31−¥805m
Reconciling Itemsreconcilingsegment assetsat 2021-03-31−¥9.0bn
Reconciling Itemsreconcilingsegment ordinary income2020-04-01 → 2021-03-31−¥213m
Bankingreportable segmentcapex2020-04-01 → 2021-03-31¥630m
Bankingreportable segmentdepreciation2020-04-01 → 2021-03-31¥623m
Bankingreportable segmentrevenue external2020-04-01 → 2021-03-31¥18.5bn
Bankingreportable segmentrevenue intersegment2020-04-01 → 2021-03-31¥261m
Bankingreportable segmentsegment assetsat 2021-03-31¥1.66T
Bankingreportable segmentsegment ordinary income2020-04-01 → 2021-03-31¥2.6bn
Credit Card Credit Guaranteereportable segmentdepreciation2020-04-01 → 2021-03-31¥7m
Credit Card Credit Guaranteereportable segmentrevenue external2020-04-01 → 2021-03-31¥171m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2020-04-01 → 2021-03-31¥534m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2021-03-31¥2.1bn
Credit Card Credit Guaranteereportable segmentsegment ordinary income2020-04-01 → 2021-03-31¥295m
Leasingreportable segmentcapex2020-04-01 → 2021-03-31¥2m
Leasingreportable segmentdepreciation2020-04-01 → 2021-03-31¥19m
Leasingreportable segmentrevenue external2020-04-01 → 2021-03-31¥3.7bn
Leasingreportable segmentrevenue intersegment2020-04-01 → 2021-03-31¥10m
Leasingreportable segmentsegment assetsat 2021-03-31¥10.1bn
Leasingreportable segmentsegment ordinary income2020-04-01 → 2021-03-31¥111m
—segment totalcapex2020-04-01 → 2021-03-31¥633m
—segment totaldepreciation2020-04-01 → 2021-03-31¥649m
—segment totalrevenue external2020-04-01 → 2021-03-31¥22.4bn
—segment totalrevenue intersegment2020-04-01 → 2021-03-31¥805m
—segment totalsegment assetsat 2021-03-31¥1.67T
—segment totalsegment ordinary income2020-04-01 → 2021-03-31¥3.0bn

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

All source rows · 1,676
ItemContextValueUnit
Recoveries of written off claims oibnkPrior1YearDuration64000000JPY
Recoveries of written off claims oibnkCurrentYearDuration42000000JPY
Other other income oibnkPrior1YearDuration558000000JPY
Other other income oibnkCurrentYearDuration756000000JPY
Ordinary expenses bnkPrior1YearDuration19601000000JPY
Ordinary expenses bnkCurrentYearDuration20363000000JPY
Interest expenses oebnkPrior1YearDuration192000000JPY
Interest expenses oebnkCurrentYearDuration158000000JPY
Interest on deposits oebnkPrior1YearDuration182000000JPY
Interest on deposits oebnkCurrentYearDuration147000000JPY
Interest on negotiable certificates of deposit oebnkPrior1YearDuration0JPY
Interest on negotiable certificates of deposit oebnkCurrentYearDuration0JPY
Interest on borrowings and rediscounts oebnkPrior1YearDuration8000000JPY
Interest on borrowings and rediscounts oebnkCurrentYearDuration9000000JPY
Other interest expenses oebnkPrior1YearDuration1000000JPY
Other interest expenses oebnkCurrentYearDuration1000000JPY
Fees and commissions payments oebnkPrior1YearDuration2083000000JPY
Fees and commissions payments oebnkCurrentYearDuration2114000000JPY
Other ordinary expenses oebnkPrior1YearDuration3558000000JPY
Other ordinary expenses oebnkCurrentYearDuration4090000000JPY
General and administrative expenses oebnkPrior1YearDuration12281000000JPY
General and administrative expenses oebnkCurrentYearDuration12171000000JPY
Other expenses oebnkPrior1YearDuration1484000000JPY
Other expenses oebnkCurrentYearDuration1828000000JPY
Provision of allowance for loan losses oebnkPrior1YearDuration1149000000JPY
Provision of allowance for loan losses oebnkCurrentYearDuration1240000000JPY
Other other expenses oebnkPrior1YearDuration335000000JPY
Other other expenses oebnkCurrentYearDuration588000000JPY
Ordinary incomePrior1YearDuration2811000000JPY
Ordinary incomeCurrentYearDuration2779000000JPY
Extraordinary incomePrior1YearDuration39000000JPY
Extraordinary incomeCurrentYearDuration2000000JPY
Gain on disposal of noncurrent assets eiPrior1YearDuration39000000JPY
Gain on disposal of noncurrent assets eiCurrentYearDuration2000000JPY
Extraordinary lossPrior1YearDuration286000000JPY
Extraordinary lossCurrentYearDuration162000000JPY
Loss on disposal of noncurrent assets elPrior1YearDuration82000000JPY
Loss on disposal of noncurrent assets elCurrentYearDuration149000000JPY
Impairment loss elPrior1YearDuration203000000JPY
Impairment loss elCurrentYearDuration13000000JPY
Income before income taxesPrior1YearDuration2563000000JPY
Income before income taxesCurrentYearDuration2619000000JPY
Income taxes currentPrior1YearDuration855000000JPY
Income taxes currentCurrentYearDuration930000000JPY
Income taxes deferredPrior1YearDuration185000000JPY
Income taxes deferredCurrentYearDuration-422000000JPY
Income taxesPrior1YearDuration1041000000JPY
Income taxesCurrentYearDuration507000000JPY
Profit lossPrior1YearDuration1522000000JPY
Profit lossCurrentYearDuration2111000000JPY

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 2021-03-31pass rounding
balance sheet identityconsolidated 2022-03-31pass rounding
balance sheet identitynon_consolidated 2021-03-31pass
balance sheet identitynon_consolidated 2022-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2020-03-31pass
statement vs summary · net assetsconsolidated 2021-03-31pass
statement vs summary · net assetsconsolidated 2022-03-31pass
statement vs summary · net assetsnon_consolidated 2020-03-31pass
statement vs summary · net assetsnon_consolidated 2021-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net income attributable to parentconsolidated 2020-04-01/2021-03-31pass
statement vs summary · net income attributable to parentconsolidated 2021-04-01/2022-03-31pass
statement vs summary · operating cash flowconsolidated 2020-04-01/2021-03-31pass
statement vs summary · operating cash flowconsolidated 2021-04-01/2022-03-31pass
statement vs summary · total assetsconsolidated 2021-03-31pass
statement vs summary · total assetsconsolidated 2022-03-31pass
statement vs summary · total assetsnon_consolidated 2021-03-31pass
statement vs summary · total assetsnon_consolidated 2022-03-31pass