Annual report

Period2023-04-01 → 2024-03-31
Filed2024-06-27
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 140
MetricValuePeriodScopeSource row
Ordinary income¥4.1bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥3.5bn2022-04-01 → 2023-03-31Cons.Ordinary income
Ordinary income¥2.8bn2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.8bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.4bn2019-04-01 → 2020-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥3.9bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Profit before tax¥3.4bn2022-04-01 → 2023-03-31Cons.Income before income taxes
Net income (owners)¥3.1bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.7bn2022-04-01 → 2023-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.1bn2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.5bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.3bn2019-04-01 → 2020-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥3.1bn2023-04-01 → 2024-03-31Cons.Profit loss
Net income¥2.7bn2022-04-01 → 2023-03-31Cons.Profit loss
Total assets¥1.52Tat 2024-03-31Cons.Assets
Total assets¥1.50Tat 2023-03-31Cons.Assets
Total assets¥1.68Tat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥1.67Tat 2021-03-31dCons.Total assets (5-year summary)
Total assets¥1.41Tat 2020-03-31dCons.Total assets (5-year summary)
Total liabilities¥1.44Tat 2024-03-31Cons.Liabilities
Total liabilities¥1.42Tat 2023-03-31Cons.Liabilities
Net assets / equity¥86.0bnat 2024-03-31Cons.Net assets
Net assets / equity¥75.3bnat 2023-03-31Cons.Net assets
Net assets / equity¥75.4bnat 2022-03-31dCons.Net assets
Net assets / equity¥74.5bnat 2021-03-31dCons.Net assets (5-year summary)
Net assets / equity¥69.4bnat 2020-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥133.2bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥89.2bnat 2023-03-31Cons.Cash and cash equivalents
Cash & equivalents¥277.9bnat 2022-03-31dCons.Cash and cash equivalents
Cash & equivalents¥314.8bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥102.5bnat 2020-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥27.4bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥211.0bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥30.5bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥213.7bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥23.5bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥71.8bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥22.8bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥5.8bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥837m2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥4.8bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥507m2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥546m2022-04-01 → 2023-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥591m2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥465m2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥810m2019-04-01 → 2020-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥364.622023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥316.682022-04-01 → 2023-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥249.442021-04-01 → 2022-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥180.332020-04-01 → 2021-03-31dCons.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 (diluted)¥363.272023-04-01 → 2024-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥314.882022-04-01 → 2023-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥247.962021-04-01 → 2022-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥179.072020-04-01 → 2021-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥151.312019-04-01 → 2020-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥10,187.48at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥8,942.49at 2023-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥8,977.27at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥8,795.72at 2021-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥8,217.38at 2020-03-31dCons.Net assets per share (5-year summary)
Equity ratio5.6%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio5.0%at 2023-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.5%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio4.5%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio4.9%at 2020-03-31dCons.Equity to asset ratio (5-year summary)
ROE3.8%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE3.5%2022-04-01 → 2023-03-31Cons.Rate of return on equity (5-year summary)
ROE2.8%2021-04-01 → 2022-03-31dCons.Rate of return on equity (5-year summary)
ROE2.1%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
ROE1.8%2019-04-01 → 2020-03-31dCons.Rate of return on equity (5-year summary)
Employees773at 2024-03-31Cons.Number of employees
Employees812at 2023-03-31Cons.Number of employees
Employees833at 2022-03-31dCons.Number of employees
Employees853at 2021-03-31dCons.Number of employees
Employees870at 2020-03-31dCons.Number of employees
Ordinary income¥4.0bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥3.3bn2022-04-01 → 2023-03-31StandaloneOrdinary income
Ordinary income¥2.8bn2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.6bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.1bn2019-04-01 → 2020-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥3.8bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Profit before tax¥3.2bn2022-04-01 → 2023-03-31StandaloneIncome before income taxes
Net income¥3.0bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥2.6bn2022-04-01 → 2023-03-31StandaloneProfit loss
Net income¥2.2bn2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income¥1.5bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Net income¥1.1bn2019-04-01 → 2020-03-31dStandaloneNet income loss (5-year summary)
Total assets¥1.52Tat 2024-03-31StandaloneAssets
Total assets¥1.49Tat 2023-03-31StandaloneAssets
Total assets¥1.67Tat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥1.66Tat 2021-03-31dStandaloneTotal assets (5-year summary)
Total assets¥1.40Tat 2020-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥1.44Tat 2024-03-31StandaloneLiabilities
Total liabilities¥1.42Tat 2023-03-31StandaloneLiabilities
Net assets / equity¥82.6bnat 2024-03-31StandaloneNet assets
Net assets / equity¥72.4bnat 2023-03-31StandaloneNet assets
Net assets / equity¥72.7bnat 2022-03-31dStandaloneNet assets
Net assets / equity¥71.8bnat 2021-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥67.2bnat 2020-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥357.82023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥306.842022-04-01 → 2023-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥263.412021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥173.32020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥135.762019-04-01 → 2020-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥356.482023-04-01 → 2024-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥305.12022-04-01 → 2023-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥261.852021-04-01 → 2022-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥172.082020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥134.612019-04-01 → 2020-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥802023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥602022-04-01 → 2023-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥602021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥502020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥602019-04-01 → 2020-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥9,775.07at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥8,603.89at 2023-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥8,656.87at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥8,473.38at 2021-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥7,955.31at 2020-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio5.4%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2023-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.3%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.3%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio4.8%at 2020-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE3.9%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE3.5%2022-04-01 → 2023-03-31StandaloneRate of return on equity (5-year summary)
ROE3.1%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE2.1%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
ROE1.7%2019-04-01 → 2020-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued8,793,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2023-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued8,793,000at 2020-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees759at 2024-03-31StandaloneNumber of employees
Employees801at 2023-03-31StandaloneNumber of employees
Employees820at 2022-03-31dStandaloneNumber of employees
Employees840at 2021-03-31dStandaloneNumber of employees
Employees855at 2020-03-31dStandaloneNumber 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 · 57
SegmentItemPeriodValue
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥722m
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥11.2bn
Reconciling Itemsreconcilingsegment ordinary income2023-04-01 → 2024-03-31−¥64m
Bankingreportable segmentcapex2023-04-01 → 2024-03-31¥1.2bn
Bankingreportable segmentdepreciation2023-04-01 → 2024-03-31¥761m
Bankingreportable segmentemployeesat 2024-03-31759 pure
Bankingreportable segmentrevenue external2023-04-01 → 2024-03-31¥24.3bn
Bankingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥163m
Bankingreportable segmentsegment assetsat 2024-03-31¥1.52T
Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥4.0bn
Credit Card Credit Guaranteereportable segmentcapex2023-04-01 → 2024-03-31¥4m
Credit Card Credit Guaranteereportable segmentdepreciation2023-04-01 → 2024-03-31¥2m
Credit Card Credit Guaranteereportable segmentemployeesat 2024-03-317 pure
Credit Card Credit Guaranteereportable segmentrevenue external2023-04-01 → 2024-03-31¥151m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥555m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2024-03-31¥2.1bn
Credit Card Credit Guaranteereportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥161m
Leasingreportable segmentcapex2023-04-01 → 2024-03-31¥51m
Leasingreportable segmentdepreciation2023-04-01 → 2024-03-31¥7m
Leasingreportable segmentemployeesat 2024-03-317 pure
Leasingreportable segmentrevenue external2023-04-01 → 2024-03-31¥4.6bn
Leasingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥4m
Leasingreportable segmentsegment assetsat 2024-03-31¥12.3bn
Leasingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥40m
—segment totalcapex2023-04-01 → 2024-03-31¥1.2bn
—segment totaldepreciation2023-04-01 → 2024-03-31¥771m
—segment totalrevenue external2023-04-01 → 2024-03-31¥29.0bn
—segment totalrevenue intersegment2023-04-01 → 2024-03-31¥722m
—segment totalsegment assetsat 2024-03-31¥1.53T
—segment totalsegment ordinary income2023-04-01 → 2024-03-31¥4.2bn
Reconciling Itemsreconcilingrevenue intersegment2022-04-01 → 2023-03-31−¥762m
Reconciling Itemsreconcilingsegment assetsat 2023-03-31−¥10.7bn
Reconciling Itemsreconcilingsegment ordinary income2022-04-01 → 2023-03-31−¥148m
Bankingreportable segmentcapex2022-04-01 → 2023-03-31¥1.1bn
Bankingreportable segmentdepreciation2022-04-01 → 2023-03-31¥619m
Bankingreportable segmentrevenue external2022-04-01 → 2023-03-31¥19.8bn
Bankingreportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥218m
Bankingreportable segmentsegment assetsat 2023-03-31¥1.49T
Bankingreportable segmentsegment ordinary income2022-04-01 → 2023-03-31¥3.3bn
Credit Card Credit Guaranteereportable segmentcapex2022-04-01 → 2023-03-31¥1m
Credit Card Credit Guaranteereportable segmentdepreciation2022-04-01 → 2023-03-31¥4m
Credit Card Credit Guaranteereportable segmentrevenue external2022-04-01 → 2023-03-31¥156m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥534m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2023-03-31¥2.1bn
Credit Card Credit Guaranteereportable segmentsegment ordinary income2022-04-01 → 2023-03-31¥263m
Leasingreportable segmentcapex2022-04-01 → 2023-03-31¥0
Leasingreportable segmentdepreciation2022-04-01 → 2023-03-31¥7m
Leasingreportable segmentrevenue external2022-04-01 → 2023-03-31¥3.7bn
Leasingreportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥9m
Leasingreportable segmentsegment assetsat 2023-03-31¥12.1bn
Leasingreportable segmentsegment ordinary income2022-04-01 → 2023-03-31¥87m
—segment totalcapex2022-04-01 → 2023-03-31¥1.1bn
—segment totaldepreciation2022-04-01 → 2023-03-31¥631m
—segment totalrevenue external2022-04-01 → 2023-03-31¥23.6bn
—segment totalrevenue intersegment2022-04-01 → 2023-03-31¥762m
—segment totalsegment assetsat 2023-03-31¥1.51T
—segment totalsegment ordinary income2022-04-01 → 2023-03-31¥3.6bn

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

All source rows · 1,710
ItemContextValueUnit
Fees and commissions oibnkCurrentYearDuration2809000000JPY
Other ordinary income oibnkPrior1YearDuration3853000000JPY
Other ordinary income oibnkCurrentYearDuration5226000000JPY
Other income oibnkPrior1YearDuration886000000JPY
Other income oibnkCurrentYearDuration3952000000JPY
Recoveries of written off claims oibnkPrior1YearDuration50000000JPY
Recoveries of written off claims oibnkCurrentYearDuration37000000JPY
Other other income oibnkPrior1YearDuration836000000JPY
Other other income oibnkCurrentYearDuration3915000000JPY
Ordinary expenses bnkPrior1YearDuration20138000000JPY
Ordinary expenses bnkCurrentYearDuration24919000000JPY
Interest expenses oebnkPrior1YearDuration118000000JPY
Interest expenses oebnkCurrentYearDuration104000000JPY
Interest on deposits oebnkPrior1YearDuration105000000JPY
Interest on deposits oebnkCurrentYearDuration88000000JPY
Interest on negotiable certificates of deposit oebnkPrior1YearDuration0JPY
Interest on negotiable certificates of deposit oebnkCurrentYearDuration0JPY
Interest on borrowings and rediscounts oebnkPrior1YearDuration11000000JPY
Interest on borrowings and rediscounts oebnkCurrentYearDuration13000000JPY
Other interest expenses oebnkPrior1YearDuration1000000JPY
Other interest expenses oebnkCurrentYearDuration1000000JPY
Fees and commissions payments oebnkPrior1YearDuration2095000000JPY
Fees and commissions payments oebnkCurrentYearDuration2106000000JPY
Other ordinary expenses oebnkPrior1YearDuration4128000000JPY
Other ordinary expenses oebnkCurrentYearDuration7637000000JPY
General and administrative expenses oebnkPrior1YearDuration12088000000JPY
General and administrative expenses oebnkCurrentYearDuration13034000000JPY
Other expenses oebnkPrior1YearDuration1708000000JPY
Other expenses oebnkCurrentYearDuration2037000000JPY
Provision of allowance for loan losses oebnkPrior1YearDuration1112000000JPY
Provision of allowance for loan losses oebnkCurrentYearDuration1606000000JPY
Other other expenses oebnkPrior1YearDuration596000000JPY
Other other expenses oebnkCurrentYearDuration430000000JPY
Ordinary incomePrior1YearDuration3500000000JPY
Ordinary incomeCurrentYearDuration4098000000JPY
Extraordinary incomePrior1YearDuration7000000JPY
Extraordinary incomeCurrentYearDuration2000000JPY
Gain on disposal of noncurrent assets eiPrior1YearDuration7000000JPY
Gain on disposal of noncurrent assets eiCurrentYearDuration2000000JPY
Extraordinary lossPrior1YearDuration62000000JPY
Extraordinary lossCurrentYearDuration201000000JPY
Loss on disposal of noncurrent assets elPrior1YearDuration62000000JPY
Loss on disposal of noncurrent assets elCurrentYearDuration31000000JPY
Impairment loss elPrior1YearDuration-JPY
Impairment loss elCurrentYearDuration169000000JPY
Income before income taxesPrior1YearDuration3445000000JPY
Income before income taxesCurrentYearDuration3899000000JPY
Income taxes currentPrior1YearDuration1240000000JPY
Income taxes currentCurrentYearDuration1068000000JPY
Income taxes deferredPrior1YearDuration-455000000JPY

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 2023-03-31pass
balance sheet identityconsolidated 2024-03-31pass rounding
balance sheet identitynon_consolidated 2023-03-31pass
balance sheet identitynon_consolidated 2024-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2022-03-31pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2022-04-01/2023-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2022-04-01/2023-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · total assetsconsolidated 2023-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2023-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass