Annual report

Period2021-04-01 → 2022-03-31
Filed2022-06-22
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 128
MetricValuePeriodScopeSource row
Ordinary income¥794m2021-04-01 → 2022-03-31Cons.Ordinary income
Ordinary income−¥1.7bn2020-04-01 → 2021-03-31Cons.Ordinary income
Ordinary income¥494m2019-04-01 → 2020-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥519m2018-04-01 → 2019-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income−¥1.4bn2017-04-01 → 2018-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥771m2021-04-01 → 2022-03-31Cons.Income before income taxes
Profit before tax−¥1.7bn2020-04-01 → 2021-03-31Cons.Income before income taxes
Net income (owners)¥826m2021-04-01 → 2022-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)−¥1.7bn2020-04-01 → 2021-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥409m2019-04-01 → 2020-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥521m2018-04-01 → 2019-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)−¥3.1bn2017-04-01 → 2018-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥833m2021-04-01 → 2022-03-31Cons.Profit loss
Net income−¥1.7bn2020-04-01 → 2021-03-31Cons.Profit loss
Total assets¥842.2bnat 2022-03-31Cons.Assets
Total assets¥825.8bnat 2021-03-31Cons.Assets
Total assets¥755.6bnat 2020-03-31dCons.Total assets (5-year summary)
Total assets¥768.4bnat 2019-03-31dCons.Total assets (5-year summary)
Total assets¥746.8bnat 2018-03-31dCons.Total assets (5-year summary)
Total liabilities¥814.9bnat 2022-03-31Cons.Liabilities
Total liabilities¥796.1bnat 2021-03-31Cons.Liabilities
Net assets / equity¥27.4bnat 2022-03-31Cons.Net assets
Net assets / equity¥29.6bnat 2021-03-31Cons.Net assets
Net assets / equity¥27.2bnat 2020-03-31dCons.Net assets
Net assets / equity¥28.2bnat 2019-03-31dCons.Net assets (5-year summary)
Net assets / equity¥29.6bnat 2018-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥89.4bnat 2022-03-31Cons.Cash and cash equivalents
Cash & equivalents¥90.4bnat 2021-03-31Cons.Cash and cash equivalents
Cash & equivalents¥74.6bnat 2020-03-31dCons.Cash and cash equivalents
Cash & equivalents¥97.4bnat 2019-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥59.4bnat 2018-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥13.2bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥39.1bn2020-04-01 → 2021-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥39.1bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥25.3bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥19.9bn2017-04-01 → 2018-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥14.2bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥23.1bn2020-04-01 → 2021-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥15.2bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥14.2bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥1.1bn2017-04-01 → 2018-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥1m2021-04-01 → 2022-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥113m2020-04-01 → 2021-03-31Cons.Net cash provided by used in financing activities
Financing cash flow¥1.1bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥1.5bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥2.0bn2017-04-01 → 2018-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥29.562021-04-01 → 2022-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-61.622020-04-01 → 2021-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥17.22019-04-01 → 2020-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥22.692018-04-01 → 2019-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-135.812017-04-01 → 2018-03-31dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥973.11at 2022-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥1,055.16at 2021-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥964.37at 2020-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥1,221.08at 2019-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥1,281.41at 2018-03-31dCons.Net assets per share (5-year summary)
Equity ratio3.2%at 2022-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2021-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2020-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2019-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.9%at 2018-03-31dCons.Equity to asset ratio (5-year summary)
ROE2.9%2021-04-01 → 2022-03-31Cons.Rate of return on equity (5-year summary)
ROE-6.1%2020-04-01 → 2021-03-31Cons.Rate of return on equity (5-year summary)
ROE1.5%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)
ROE-10.2%2017-04-01 → 2018-03-31dCons.Rate of return on equity (5-year summary)
Employees512at 2022-03-31Cons.Number of employees
Employees528at 2021-03-31Cons.Number of employees
Employees543at 2020-03-31dCons.Number of employees
Employees545at 2019-03-31dCons.Number of employees
Employees568at 2018-03-31dCons.Number of employees
Ordinary income¥727m2021-04-01 → 2022-03-31StandaloneOrdinary income
Ordinary income−¥1.8bn2020-04-01 → 2021-03-31StandaloneOrdinary income
Ordinary income¥404m2019-04-01 → 2020-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥294m2018-04-01 → 2019-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income−¥1.6bn2017-04-01 → 2018-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥705m2021-04-01 → 2022-03-31StandaloneIncome before income taxes
Profit before tax−¥1.7bn2020-04-01 → 2021-03-31StandaloneIncome before income taxes
Net income¥826m2021-04-01 → 2022-03-31StandaloneProfit loss
Net income−¥1.7bn2020-04-01 → 2021-03-31StandaloneProfit loss
Net income¥350m2019-04-01 → 2020-03-31dStandaloneNet income loss (5-year summary)
Net income¥330m2018-04-01 → 2019-03-31dStandaloneNet income loss (5-year summary)
Net income−¥3.3bn2017-04-01 → 2018-03-31dStandaloneNet income loss (5-year summary)
Total assets¥839.2bnat 2022-03-31StandaloneAssets
Total assets¥822.3bnat 2021-03-31StandaloneAssets
Total assets¥752.3bnat 2020-03-31dStandaloneTotal assets (5-year summary)
Total assets¥764.9bnat 2019-03-31dStandaloneTotal assets (5-year summary)
Total assets¥744.0bnat 2018-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥813.8bnat 2022-03-31StandaloneLiabilities
Total liabilities¥794.6bnat 2021-03-31StandaloneLiabilities
Net assets / equity¥25.4bnat 2022-03-31StandaloneNet assets
Net assets / equity¥27.7bnat 2021-03-31StandaloneNet assets
Net assets / equity¥25.3bnat 2020-03-31dStandaloneNet assets
Net assets / equity¥26.4bnat 2019-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥28.0bnat 2018-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥29.532021-04-01 → 2022-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-62.312020-04-01 → 2021-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥14.722019-04-01 → 2020-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥14.382018-04-01 → 2019-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-144.752017-04-01 → 2018-03-31dStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥52021-04-01 → 2022-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥22019-04-01 → 2020-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥22018-04-01 → 2019-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥908.72at 2022-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥990.89at 2021-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥902.97at 2020-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥1,147.09at 2019-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥1,218at 2018-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio3.0%at 2022-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2021-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2020-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2019-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.8%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)
ROE-6.6%2020-04-01 → 2021-03-31StandaloneRate of return on equity (5-year summary)
ROE1.4%2019-04-01 → 2020-03-31dStandaloneRate of return on equity (5-year summary)
ROE1.2%2018-04-01 → 2019-03-31dStandaloneRate of return on equity (5-year summary)
ROE-11.4%2017-04-01 → 2018-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued28,000,000at 2022-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2021-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2020-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued23,000,000at 2019-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued23,000,000at 2018-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees471at 2022-03-31StandaloneNumber of employees
Employees485at 2021-03-31StandaloneNumber of employees
Employees501at 2020-03-31dStandaloneNumber of employees
Employees504at 2019-03-31dStandaloneNumber of employees
Employees527at 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 · 61
SegmentItemPeriodValue
Reconciling Itemsreconcilingcapex2021-04-01 → 2022-03-31−¥5m
Reconciling Itemsreconcilingdepreciation2021-04-01 → 2022-03-31−¥5m
Reconciling Itemsreconcilingrevenue external2021-04-01 → 2022-03-31−¥15m
Reconciling Itemsreconcilingrevenue intersegment2021-04-01 → 2022-03-31−¥169m
Reconciling Itemsreconcilingsegment assetsat 2022-03-31−¥3.3bn
Bankingreportable segmentcapex2021-04-01 → 2022-03-31¥339m
Bankingreportable segmentdepreciation2021-04-01 → 2022-03-31¥622m
Bankingreportable segmentemployeesat 2022-03-31504 pure
Bankingreportable segmentrevenue external2021-04-01 → 2022-03-31¥10.7bn
Bankingreportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥89m
Bankingreportable segmentsegment assetsat 2022-03-31¥838.3bn
Bankingreportable segmentsegment ordinary income2021-04-01 → 2022-03-31¥756m
Credit Card Credit Guaranteereportable segmentcapex2021-04-01 → 2022-03-31¥10m
Credit Card Credit Guaranteereportable segmentdepreciation2021-04-01 → 2022-03-31¥4m
Credit Card Credit Guaranteereportable segmentemployeesat 2022-03-312 pure
Credit Card Credit Guaranteereportable segmentrevenue external2021-04-01 → 2022-03-31¥142m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥1m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2022-03-31¥813m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2021-04-01 → 2022-03-31−¥9m
Leasingreportable segmentcapex2021-04-01 → 2022-03-31¥51m
Leasingreportable segmentdepreciation2021-04-01 → 2022-03-31¥38m
Leasingreportable segmentemployeesat 2022-03-316 pure
Leasingreportable segmentrevenue external2021-04-01 → 2022-03-31¥2.3bn
Leasingreportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥79m
Leasingreportable segmentsegment assetsat 2022-03-31¥6.3bn
Leasingreportable segmentsegment ordinary income2021-04-01 → 2022-03-31¥46m
Total Of Reportable Segments And Otherssegment totalcapex2021-04-01 → 2022-03-31¥402m
Total Of Reportable Segments And Otherssegment totaldepreciation2021-04-01 → 2022-03-31¥665m
Total Of Reportable Segments And Otherssegment totalrevenue external2021-04-01 → 2022-03-31¥13.2bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2021-04-01 → 2022-03-31¥169m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2022-03-31¥845.5bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2021-04-01 → 2022-03-31¥794m
Reconciling Itemsreconcilingcapex2020-04-01 → 2021-03-31−¥14m
Reconciling Itemsreconcilingdepreciation2020-04-01 → 2021-03-31−¥3m
Reconciling Itemsreconcilingrevenue external2020-04-01 → 2021-03-31−¥9m
Reconciling Itemsreconcilingrevenue intersegment2020-04-01 → 2021-03-31−¥182m
Reconciling Itemsreconcilingsegment assetsat 2021-03-31−¥2.7bn
Bankingreportable segmentcapex2020-04-01 → 2021-03-31¥358m
Bankingreportable segmentdepreciation2020-04-01 → 2021-03-31¥592m
Bankingreportable segmentrevenue external2020-04-01 → 2021-03-31¥11.1bn
Bankingreportable segmentrevenue intersegment2020-04-01 → 2021-03-31¥99m
Bankingreportable segmentsegment assetsat 2021-03-31¥821.5bn
Bankingreportable segmentsegment ordinary income2020-04-01 → 2021-03-31−¥1.7bn
Credit Card Credit Guaranteereportable segmentcapex2020-04-01 → 2021-03-31¥4m
Credit Card Credit Guaranteereportable segmentdepreciation2020-04-01 → 2021-03-31¥2m
Credit Card Credit Guaranteereportable segmentrevenue external2020-04-01 → 2021-03-31¥152m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2020-04-01 → 2021-03-31¥1m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2021-03-31¥822m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2020-04-01 → 2021-03-31−¥20m
Leasingreportable segmentcapex2020-04-01 → 2021-03-31¥34m
Leasingreportable segmentdepreciation2020-04-01 → 2021-03-31¥34m
Leasingreportable segmentrevenue external2020-04-01 → 2021-03-31¥2.0bn
Leasingreportable segmentrevenue intersegment2020-04-01 → 2021-03-31¥81m
Leasingreportable segmentsegment assetsat 2021-03-31¥6.2bn
Leasingreportable segmentsegment ordinary income2020-04-01 → 2021-03-31¥28m
Total Of Reportable Segments And Otherssegment totalcapex2020-04-01 → 2021-03-31¥397m
Total Of Reportable Segments And Otherssegment totaldepreciation2020-04-01 → 2021-03-31¥629m
Total Of Reportable Segments And Otherssegment totalrevenue external2020-04-01 → 2021-03-31¥13.3bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2020-04-01 → 2021-03-31¥182m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2021-03-31¥828.5bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2020-04-01 → 2021-03-31−¥1.7bn

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

All source rows · 1,603
ItemContextValueUnit
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row6Member20000000JPY
Number of shares held details of specified investment equity securities held for purposes other than pure investment reporting companyCurrentYearInstant_Row7Member100
Number of shares held details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row7Member-
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyCurrentYearInstant_Row7Member0JPY
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row7Member-JPY
Cash and due from banks assets bnkPrior1YearInstant92128000000JPY
Cash and due from banks assets bnkCurrentYearInstant90605000000JPY
Trading account securities assets bnkPrior1YearInstant167000000JPY
Trading account securities assets bnkCurrentYearInstant142000000JPY
Money held in trust assets bnkPrior1YearInstant1011000000JPY
Money held in trust assets bnkCurrentYearInstant1009000000JPY
Securities assets bnkPrior1YearInstant144767000000JPY
Securities assets bnkCurrentYearInstant155288000000JPY
Loans and bills discounted assets bnkPrior1YearInstant560420000000JPY
Loans and bills discounted assets bnkCurrentYearInstant569815000000JPY
Foreign exchanges assets bnkPrior1YearInstant404000000JPY
Foreign exchanges assets bnkCurrentYearInstant228000000JPY
Lease receivables and investment assets caPrior1YearInstant5147000000JPY
Lease receivables and investment assets caCurrentYearInstant5088000000JPY
Other assets assets bnkPrior1YearInstant16501000000JPY
Other assets assets bnkCurrentYearInstant14960000000JPY
Property plant and equipmentPrior1YearInstant9662000000JPY
Property plant and equipmentCurrentYearInstant9455000000JPY
Buildings netPrior1YearInstant3608000000JPY
Buildings netCurrentYearInstant3445000000JPY
LandPrior1YearInstant5531000000JPY
LandCurrentYearInstant5469000000JPY
Other net ppePrior1YearInstant523000000JPY
Other net ppeCurrentYearInstant540000000JPY
Intangible assetsPrior1YearInstant215000000JPY
Intangible assetsCurrentYearInstant277000000JPY
SoftwarePrior1YearInstant87000000JPY
SoftwareCurrentYearInstant158000000JPY
Other iaPrior1YearInstant127000000JPY
Other iaCurrentYearInstant118000000JPY
Deferred tax assetsPrior1YearInstant10000000JPY
Deferred tax assetsCurrentYearInstant334000000JPY
Customers liabilities for acceptances and guarantees assets bnkPrior1YearInstant309000000JPY
Customers liabilities for acceptances and guarantees assets bnkCurrentYearInstant351000000JPY
Allowance for loan losses assets bnkPrior1YearInstant-4994000000JPY
Allowance for loan losses assets bnkCurrentYearInstant-5311000000JPY
AssetsPrior1YearInstant825751000000JPY
AssetsCurrentYearInstant842245000000JPY
Deposits liabilities bnkPrior1YearInstant762684000000JPY
Deposits liabilities bnkCurrentYearInstant774779000000JPY
Negotiable certificates of deposit liabilities bnkPrior1YearInstant100000000JPY
Negotiable certificates of deposit liabilities bnkCurrentYearInstant500000000JPY
Borrowed money liabilities bnkPrior1YearInstant29340000000JPY
Borrowed money liabilities bnkCurrentYearInstant35592000000JPY
Foreign exchanges liabilities bnkPrior1YearInstant0JPY

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
balance sheet identityconsolidated 2022-03-31pass
balance sheet identitynon_consolidated 2021-03-31pass
balance sheet identitynon_consolidated 2022-03-31pass
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